TERMS AND CONDITIONS

These Terms & Conditions ("Terms") govern the agreement between ABSORICH SDN BHD ("Provider") and the Subscriber ("You"), upon your consent and endorsement of the Online Enrolment Form ("Form"). By enrolling, You agree to the following Terms, forming a legally binding contract with the Provider.

1.     ENGAGEMENT

Upon successful enrolment and payment, You gain access to the Provider’s programs, training, products, and/or services ("Services") as outlined in the Form. These Terms apply to all aspects of the Services.

2.     PAYMENT & CANCELLATION

2.1     Payment Terms

i.    Payment is required in full upon enrolment.

ii.      No refunds will be provided for non-utilization of the Services, whether in full or in part.

iii.    The Provider reserves the right to amend or cancel any part of the Services and any such changes will be communicated via email.

iv.    No liability or refund claims shall be made against the Provider due to service amendments or cancellations.

2.2     Cancellation Policy

i.      If You cancel within 48 hours of enrolment, a refund may be issued minus administrative costs (minimum 10% of total fees). Refunds will be processed within 30 business days upon the written request of cancellation made by You.

ii.    No cancellations will be accepted beyond 48 hours unless stated otherwise by the Provider in writing.

iii.    If the Provider terminates your enrolment (except due to a violation of these Terms), You may receive a pro-rated refund, less administrative costs and Services rendered.

iv.    No refund will be given if termination occurs due to a breach of these Terms.

3.     REFUND POLICY

i.      Except as stated under Clause 2.2, You acknowledge that no refunds shall be granted for payments made.

ii.    You agree not to disclose, publish, or discuss any refund or cancellation issues on any third-party platform, social media, or other public forums. Any breach may result in legal action and forfeiture of any refund due.

iii.    No refunds will be issued for Services valued below RM100, unless expressly agreed in writing by the Provider.

4.    CONFLICT OF INTEREST & NON-SOLICITATION POLICY

4.1    Non-Solicitation

i.    You are strictly prohibited from soliciting, approaching, or offering investment-related education or training—whether free or paid—to the Provider leads, customers, or prospects, both during and after their participation in any of the Provider’s Services.

ii.    You are prohibited from directly or indirectly engaging in, establishing, operating, or participating in any business that provides education, training, or mentorship services that are similar to or the same as those offered by the Provider, both during and after the termination or expiration of your engagement with the Provider.

iii.    Exception: Students who are officially enrolled in the Absorich Affiliate Program (“Affiliates”) may promote and sell the Provider’s Services, provided they strictly follow the Services’ ethical guidelines. Any activities outside the scope of the Affiliate Services remain strictly prohibited.

4.2    Non-Affiliation & Disclaimer

i.    You are an independent participant and have no authority to represent, act on behalf of, or claim any affiliation with the Provider, Dr. Adam Zubir (“DAZ”), or any related entities.

ii.    Any statements, teachings, or actions you make outside the scope of the Provider’s Services are solely your personal responsibility and do not reflect the views, endorsements, or approvals of the Provider, Dr. Adam Zubir (“DAZ”), or any related entities. The Provider reserves the right to take appropriate action, including but not limited to immediate termination of your participation and/or legal action.

iii.    Exception: Only Affiliates are recognized as authorized promoters of the Provider’s  Services and must adhere to the Services’ ethical conduct and guidelines.

5.    CONFIDENTIALITY & INTELLECTUAL PROPERTY

i.    All proprietary information shared during the Services—including but not limited to course materials, training modules, marketing data, and customer lists—is strictly confidential and remains the exclusive property of the Provider.

ii.    You are strictly prohibited from copying, sharing, distributing, selling, or using the Provider’s confidential materials for personal gain or for third-party benefits.

iii.    Unauthorized use, disclosure, or exploitation of proprietary information will be treated as a serious violation, subject to legal action and other penalties.

iv.    Exception: Affiliates may use approved marketing materials provided by the Provider only for promotional purposes. Any unauthorized alteration or misrepresentation of these materials is prohibited.

6.    CONSEQUENCES OF VIOLATION

Any breach of these Terms, including but not limited to unauthorized solicitation, misrepresentation, or misuse of confidential information, may result in the following strict actions, at the sole discretion of the Provider:

1. Immediate Termination – Permanent removal from all of the Provider’s Services and communities without refund.
2. Legal Action – The Provider reserves the right to pursue legal proceedings including injunctions, damages, and recovery of legal costs.
3. Financial Liability – You may be held responsible for losses, reputational harm, and damages, including compensation for lost revenue and goodwill damages in the event of any violation by You.
4. Public Disclaimer – The Provider may issue a public statement disassociating itself from your actions to protect its brand reputation.
5. Blacklist from Future Programs – You may be permanently banned from all of the Provider’s Services, events, and collaborations. 

7.    LIMITATION OF LIABILITY

i.    The Services is provided on an "As-Is" basis, without any guarantees or warranties—express or implied—on financial results, business success, or personal outcomes

ii.    The Provider, its representatives, trainers, and affiliates shall not be liable for any personal, business, or financial losses incurred by You

iii.    You agree to indemnify the Provider against any claims, judgments, liabilities, expenses, or damages arising from your participation in the program.

8.    CONFLICT RESOLUTION

i.    These Terms shall be read in conjunction with the Form. In the event of conflicts between these Terms and the Form, the Provider shall determine whether:

a) These Terms take precedence over the Form; or
b) The Form takes precedence over these Terms.

ii.    Any agreements subsequently entered between You and the Provider in relation to the Services shall supersede these Terms.

_{[Latest Update 25/2/25]}