Payment and Refund Policy

Last updated: 23 September 2026

Scope of the Policy and Covered Services

This Payment and Refund Policy applies to all corporate finance services provided by profitlyra through its website. These services include advisory on capital raising, mergers and acquisitions, financial restructuring, due diligence support, and related corporate finance engagements targeted at businesses operating in Malaysia. The policy governs payments made for consultations, project-based work, retainers, and any associated deliverables. It does not cover services provided by third-party partners unless explicitly stated in a separate agreement.

Prices, Currencies, Taxes, and Additional Charges

All quoted prices are in Malaysian Ringgit (MYR) unless otherwise agreed in writing. Fees may be subject to applicable taxes including Sales and Service Tax (SST) at the prevailing rate under Malaysian law. Clients are responsible for any bank charges, currency conversion fees, or other transaction costs incurred during payment. profitlyra reserves the right to adjust fees for ongoing engagements with prior written notice if market conditions or regulatory requirements change.

Accepted Payment Methods, Authorisation, and Security

Payments are accepted via bank transfer to designated Malaysian accounts, major credit or debit cards processed through secure gateways compliant with Payment Card Industry Data Security Standards, and electronic fund transfers. Authorisation occurs at the time of transaction, with funds held until service confirmation. All payment data is handled through encrypted channels to protect against unauthorised access, in line with Malaysia's Personal Data Protection Act requirements for secure processing.

Order Confirmation and Contract Formation

A contract is formed upon written acceptance of a quotation or engagement letter by the client, followed by receipt of the initial payment or deposit. Confirmation is issued via email detailing the scope, timeline, and payment schedule. Until this confirmation is sent, no binding obligation exists on either party. Services commence only after the contract is formed and initial funds are cleared.

Cancellation Rights and Applicable Periods

Clients may cancel an engagement within seven business days of contract formation by providing written notice, subject to any work already performed. For corporate finance mandates involving third-party negotiations or regulatory filings, cancellation rights may be limited once external commitments are made. No cooling-off period applies to bespoke advisory services under Malaysian consumer protection rules for business-to-business transactions.

Refund Eligibility, Exclusions, and Non-Refundable Items

Refunds are available only where services have not been substantially performed or where a material error by profitlyra prevents delivery. Non-refundable items include deposits for time reserved, expenses already incurred such as legal or valuation fees, and any work product delivered to the client. Promotional discounts or bundled services may have specific exclusions outlined in the engagement letter.

Step-by-Step Procedure to Request a Refund

To request a refund, submit a written application via the contact form on the Contacts page or by emailing [email protected], including the engagement reference number, date of payment, reason for the request, and supporting documentation. Requests must be made within thirty days of the disputed transaction. Incomplete submissions will be returned for additional information before processing begins.

Inspection, Approval, Rejection, and Notification

Upon receipt, profitlyra will review the request within fourteen business days, examining records of work completed and client communications. Approval or rejection will be communicated in writing, explaining the basis for the decision. Clients may appeal a rejection once by providing further evidence within seven days of notification.

Refund Method, Processing Time, and Fund Receipt

Approved refunds are issued using the original payment method where possible, or via bank transfer otherwise. Processing typically takes five to ten business days after approval, with funds expected to reach the client's account within an additional three to seven business days depending on the financial institution. International transfers may incur additional delays and fees borne by the recipient.

Special Rules for Corporate Finance Services and Promotional Offers

Corporate finance engagements often involve milestone payments tied to deliverables. Refunds for partial completion are calculated proportionally, excluding non-recoverable costs. Promotional offers, such as discounted initial assessments, are non-refundable once redeemed. Subscription-style retainer arrangements allow termination with one month's notice but no pro-rata refund for the current period.

Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud

Failed payments must be resolved within five business days to avoid suspension of services. Duplicate charges detected by the client should be reported immediately for investigation and correction. Chargebacks are treated as disputes and may result in engagement termination. Suspected fraudulent activity leads to immediate account review, with cooperation required from the client to resolve the matter under Malaysian banking regulations.

Mandatory Consumer Rights in Malaysia

This policy does not exclude any rights available under the Consumer Protection Act 1999 or other applicable Malaysian legislation for unfair contract terms or defective services. Clients retain the right to seek remedies through the Tribunal for Consumer Claims or relevant regulatory bodies where statutory protections apply, even if this policy suggests otherwise.

Contact Route, Policy Changes, and Last-Updated Date

For questions regarding payments or refunds, use the contact form on the Contacts page or reach [email protected] and +603-2284 2911. 45-3, The Boulevard Office, Mid Valley City, Lingkaran Syed Putra, Kuala Lumpur, Malaysia serves as the registered address for formal correspondence. This policy may be updated periodically to reflect changes in law or business practices, with the revised version posted on the website. The last update occurred on 23 September 2026. Continued use of services after updates constitutes acceptance of the revised terms.