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Refund Policy

Last updated: 12 August 2026 · Governed by the laws of Malaysia.

You can request a refund of your membership at any time — no questions asked.

How we calculate it

Refunds are prorated daily. We divide your plan price by the number of days in your billing term (30 days for monthly plans, 365 for annual plans), and refund the amount for the days remaining in your term. Example: RM 129 monthly plan, refund requested with 12 days left → RM 129 ÷ 30 × 12 = RM 51.60.

What happens to your access

Access to member content ends immediately once a refund is processed. If you'd rather keep access until the end of your paid term, simply cancel instead of requesting a refund — cancellation stops future billing and is always free.

How to request

Email [support email] or WhatsApp [number] from the email address or number registered to your account, with the subject "Refund". No forms, no calls required.

Processing time

Refunds go back through the original payment method via our payment gateway. Please allow 5–10 business days for the amount to appear, depending on your bank.

Renewals

Charges for a term that has already renewed are refundable under the same proration rule. We cannot refund portions of a term already consumed.

Disputes

If anything looks wrong, contact us first — we resolve refund issues faster than a bank chargeback, and chargebacks may delay your funds. Nothing in this policy limits your rights under the Consumer Protection Act 1999.

Last updated: 12 August 2026. Governed by the laws of Malaysia.

FCPOfolio is operated by [business name, SSM no.]. Content is prepared under the supervision of [remisier name], a remisier licensed by the Securities Commission Malaysia (CMSRL no. [xxxxxxx]) with [licensed broker name].

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