All events organised by JASMIZA SOLUTIONS SDN BHD or on behalf of our event partners will adhere to the policies outlined in this section, which are based on the categories of events and purchases made through https://www.jasmizasolutions.com.my or https://www.competencymatrix.my both hereinafter referred to as JASMIZA SOLUTIONS SDN BHD's website. Should additional rules and regulations be explicitly published for an event, these rules will supersede or be added to the general guidelines specified in this refund policy.

Note that circumstances beyond the control of the conference organisers may necessitate speaker or topic substitutions, alterations, or cancellations. JASMIZA SOLUTIONS SDN BHD reserves the right, if necessary, to alter or modify the advertised presenters and/or topics. The event website will be updated as soon as feasible to reflect any substitutions or alterations. When JASMIZA SOLUTIONS SDN BHD provides non-tangible, irrevocable services, we do not offer refunds once the order has been completed. You are responsible for comprehending our refund policy as a customer before purchasing any services from our website.

However, we acknowledge that extraordinary circumstances can arise. Therefore, we accommodate requests for refunds or transfers of services to third parties when the following conditions apply:

FOR MODULES, PUBLICATIONS, TICKET PURCHASES, OR ANY EVENT INVOLVING DIRECT DOWNLOAD OR ONLINE RESOURCE ACCESS:

No refund will be issued once a purchase or reservation has been paid for. You should email clientservice@jasmizasolutions.com.my if you wish to transfer your purchase(s) to a third party before the event at no additional cost. The notification period for such transfers shall be specified in the event-specific rules and regulations published during the registration period.

For all contests, festivals, conventions, and workshops:

After payment has been made, you may rescind your registration and receive a partial refund, provided that:

• Notification of cancellation must be emailed to the event organiser at least 14 days before the event's start date or by the registration deadline, whichever comes first. In the absence of compliance, no refunds will be issued.

• A valid reason for the cancellation, such as illness or a family emergency. The decision to grant a refund will be made on a case-by-case basis, and the organiser may request supporting documentation to facilitate the approval.

• A 30% processing fee will be retained for authorised refund requests submitted before the event's registration deadline.

• If a partial refund is granted, 50% of the fees paid will be retained as a processing charge if the request is made after the event's registration deadline.

• No refunds for cancellations made within 14 days of the event or for no-shows will be issued.

• Approved refunds will only be transmitted back to the participant's bank account, which the participant must provide within 30 days of the approval email acknowledgement.

• A substitute attendee is permitted for conferences and seminars, provided the participant notifies the event organiser via email before the event's deadline. Suppose a substitute attendee attends the event with less than fourteen days' notice or without any notice from the participant. In that case, no certificate of attendance will be provided unless requested for a fee of RM20 per certificate (not including postage).

PAYMENT POLICY:

The registration process is only complete once full payment is received. Payment must be received 10 business days after submitting the registration form to ensure the registration is not cancelled due to incompleteness. Substitutions of enrolled attendees are permitted according to the above guidelines (only for conferences and workshops). Once payment has been made in full, applicants must email the organiser their payment or bank-in receipt, including the payee's name and participant.

ADDITIONAL TERMS FOR ONLINE REGISTRATION AND PAYMENTS:

This website is owned and operated by JASMIZA SOLUTIONS SDN BHD. Throughout the site, the terms "we", "us", and "our" refer to JASMIZA SOLUTIONS SDN BHD.

You engage in our "Service" by visiting our site and/or purchasing something from us, and you agree to be bound by the following terms and conditions ("Terms of Service", "Terms"), including those additional terms and conditions and policies referenced herein and/or available via hyperlink. These Terms of Service apply to all site users, including, but not limited to, browsers, vendors, customers, merchants, and/or content contributors.

Before accessing or using our website, please thoroughly read these Terms of Service. By accessing or using any portion of this website, you accept these terms of service. If you do not agree to this agreement's terms and conditions in their entirety, you are not permitted to access the website or use any services. If these Terms of Service are an offer, acceptance is expressly limited to these terms.

Any new tools or features added to the current store are also subject to the Terms of Service. This page contains the most recent version of the Terms of Service. We reserve the right to modify or replace any portion of these Terms of Service by publishing updates and/or modifications on our website. You are responsible for periodically checking this page for amendments. Your continued use or access of the website after posting any modifications constitutes acceptance of those modifications.

SECTION 1 – ONLINE STORE TERMS

You affirm that you are at least the age of majority in your state or province of residence or that you are the age of majority in your state or province of residence, and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illicit or unauthorised purpose, nor may you violate any laws in your jurisdiction (including copyright laws) when using the Service.

You cannot transmit any malware, viruses, or other destructive code.

Any violation of these Terms will result in the immediate termination of your Services.

SECTION 2 – GENERAL CONDITIONS

We reserve the right to deny service to anyone anytime for any reason.

You acknowledge that your content (excluding credit card information) may be transmitted unencrypted and involve (a) transmissions over multiple networks and (b) conformance and adaptation to the technical requirements of connecting networks or devices. Credit card information is always transmitted over networks using encryption.

You agree not to reproduce, duplicate, replicate, sell, resell or exploit any portion of the Service, use of the Service, access to the Service, or any contact on the website through which the service is provided, unless we give you prior written consent.

The use of headings in this agreement is for convenience only and will not limit or otherwise affect these Terms.

SECTION 3 – REFUND FOR FRAUDULENT / DUPLICATE TRANSACTION(S)

The User shall directly contact JASMIZA SOLUTIONS SDN BHD for any fraudulent transaction(s) on account of misuse of Card / Bank details by a fraudulent individual/party, and such issues shall be addressed in accordance with JASMIZA SOLUTIONS SDN BHD's policies and rules.

SECTION 4 – SERVER SLOW DOWN / SESSION TIMEOUT

If the website or the Payment Service Provider's webpage, which is linked to the website, is experiencing server-related issues such as slow down' or 'failure or session timeout,' the User shall, before initiating the second payment, verify that his/her Bank Account has been debited, and then choose one of the following options:

• If the Bank Account appears to be debited, ensure that the payment is not made twice and contact JASMIZA SOLUTIONS SDN BHD promptly via email or any other mode of contact provided by JASMIZA SOLUTIONS SDN BHD to confirm payment.

• If the User's Bank Account is not debited, the User may initiate a new payment transaction.

• The User agrees that under no circumstances shall the Payment Gateway Service Provider be held liable for such fraudulent/duplicate transactions, and as a result, no claims should be made against the Payment Gateway Service Provider.

SECTION 5- SERVICE AND PRICE CHANGES

Our product prices are subject to change without prior notice.

We reserve the right to modify or discontinue the Service (or any portion or content thereof) at any time and without prior notice.

We shall not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Service.

SECTION 6 – PRODUCTS OR SERVICES

Certain products or services may be exclusively available online via the website. These items or services may be limited in quantity and subject to availability.

We reserve the right but are not obligated, to limit sales of our Services to any individual, geographic region, or governing body. We may exercise this privilege on an individual basis. We reserve the right to place limits on the quantity of any products or services we provide. All product descriptions and prices are subject to change at any time without notice, at our sole discretion.

Payments made to attend our events are non-refundable but may be transferred to another participant with the organiser's permission. This transfer is subject to the additional terms and conditions of the event, including any applicable deadlines, and may incur additional administrative fees (if applicable), which may be payable in advance or at the event's entrance.

SECTION 7 – ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to decline any order that is placed with us. At our sole discretion, we reserve the right to set purchase quantity limits per individual or order. Orders placed by or under the same customer account, the same credit card, and/or the same billing address may be subject to these restrictions. We may inform you by contacting the email and/or billing address/phone number provided when the order was placed if there is a change to or cancellation of your order.

You agree to provide current, complete, and accurate purchase and account information for all purchases made at our store. You agree to maintain accurate account information, including your email address, credit card numbers and expiration dates, so that we can complete your transactions and contact you as necessary.

SECTION 8 – PERSONAL INFORMATION

Our Privacy Policy, which can be viewed on the privacy page, governs submitting personal information through the online store.

SECTION 9 – ERRORS, INACCURACIES AND OMISSIONS

Occasionally, typographical errors, inaccuracies, or omissions may relate to product descriptions, pricing, promotions, offers, and availability that appear on our site or in the Service. We reserve the right, with or without prior notice and at any time, to rectify any errors, inaccuracies or omissions in any portion of the Service or on any related website and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time (including after you have submitted your order).

Unless required by law, we have no obligation to update, modify, or clarify information contained in the Service or on any related website, including, but not limited to, pricing information. No specified update or refresh date should be taken to indicate that all information in the Service or on any site associated with the Service has been modified or updated.

SECTION 10 - ATTENDING EVENTS PURCHASED

When registering and paying for any of the events listed on our website, we reserve the right to use any formal photographs taken by us or our representative for promotional or publicity purposes without compensation or notification.

Books and other published materials brought to our events must be original. No reproductions of materials may be brought into our events without prior written permission from the event organisers for a particular purpose—on-site confiscation of all unauthorised copies of materials.

SECTION 11 – PROHIBITED USES

In addition to other prohibitions, as set forth in terms of Service, you are prohibited from using the site or its content:

1. For any unlawful purpose
2. To solicit others to perform or participate in any unlawful acts
3. To violate any international, federal, provincial or state regulations, rules, laws, or local ordinances
4. To infringe upon or violate our intellectual property rights or the intellectual property rights of others
5. To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability
6. To submit false or misleading information
7. To upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or any related website, other websites, or the Internet
8. To collect or track the personal information of others
9. To spam, phish, pharm, pretext, spider, crawl, or scrape
10. For any obscene or immoral purpose
11. To interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet

We reserve the right to terminate your access to the Service and any related websites if you violate any prohibited uses.

SECTION 12 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

Our service is not guaranteed, represented, or warranted to be uninterrupted, timely, secure, or error-free.

We make no guarantee that the results you obtain from using our service will be accurate or dependable.

You consent to our removal of the service for indefinite periods or cancellation of the service at any time and without notice.

You expressly acknowledge that your use of the service, or inability to use it, is at your sole risk. The service and all products and services delivered to you through the service are (except where expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

JASMIZA SOLUTIONS SDN BHD, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors shall not be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), Because some states or jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law in such states or jurisdictions.

SECTION 13 – INDEMNIFICATION

You agree to indemnify, defend, and hold harmless JASMIZA SOLUTIONS SDN BHD and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of

SECTION 14 – SEVERABILITY

If any provision of these Terms of Service is determined to be unlawful, void, or unenforceable, such provision shall nevertheless be enforceable to the maximum extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of the remaining provisions.

SECTION 15 – TERMINATION

The obligations and liabilities of the parties incurred before the termination date shall survive the termination of this agreement.

These Terms of Service are in effect until you or we terminate them. You can terminate these Terms of Service anytime by notifying us that you no longer wish to use our Services or if you stop using our site.

If, in our sole judgement, you fail to comply with any term or provision of these Terms of Service, or if we suspect that you have failed to comply, we also reserve the right to terminate this agreement without prior notice immediately, and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

SECTION 16 – ENTIRE AGREEMENT

Our failure to exercise or enforce any right or provision of these Terms of Service shall not be construed as waiving those rights or provisions.

These Terms of Service and any other policies or operating rules posted by us on this site or with respect to The Service constitute the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals (including, but not limited to, prior versions of the Terms of Service).

Any ambiguity in interpreting these Terms of Service shall not be construed against the party who drafted them.

SECTION 17 – GOVERNING LAW

These Terms of Service and any separate agreements pursuant to which we provide you with Services shall be governed by and construed in accordance with the laws of The Federation of Malaysia.