Baca yang berikut secara keseluruhannya sebelum melakukan pembelian dan/atau menggunakan sebarang maklumat di halaman web ini. Terma dan syarat berikut adalah di dalam Bahasa Inggeris.

Pursuant to Malaysian laws

1. Legal Information: Terms and Conditions

This site (the “Site”) is owned and operated by Your access and use of the Site is subject to the following terms and conditions (“Terms and Conditions”) on this page, and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms and Conditions. If you do not agree with any of the below Terms and Conditions, do not use the Site and do not purchase our materials. reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms and Conditions at any time and by using our Site, you agree to be bound by such modifications, alterations or updates.

2. Copyrights and Trademarks

The documents and information on the Site are copyrighted materials of Copyright information contained on this domain may not be reproduced, distributed or copied publicly in any way, including Internet, e-mail, newsgroups, or reprinting. Any violator will be subject to the maximum fine and penalty imposed by law. Purchasers of our information are granted a license to use the information contained herein for their own personal use only. Any violators will be pursued and punished to the fullest extent of the law. No claim of copyright is made on any 3rd party software, ware, websites, images or text that may be referenced in our product(s). By viewing and/or purchasing the materials on our website, you agree to bound by these copyright terms.

3. Limitation of Liability

Information and any software available for download on this site is provided “As is”, without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Our company’s entire liability, and any customer’s exclusive remedy, shall be a refund of the price paid.

Though we strive for accuracy, information on the Site may contain inadvertent technical inaccuracies or typographical errors. Information may be changed or updated without notice. may also make improvements and/or changes in the products and/or the programs/offers described in this information at any time without notice. makes no representations whatsoever about any hyperlinked third-party sites which you may access through our Site or product. These 3rd party sites are not created or maintained by They are independent from, and has no control over the content on those sites. Moreover, does not endorse or accept any responsibility for the content, or the use, of such sites. While we have no information about the presence of such dangers on 3rd party sites, you should take the necessary precautions to protect yourself and your systems from viruses, worms, Trojan horses, and other items of a destructive nature.

In no event will be liable to you or any other third party for any direct, indirect, special or other consequential damages for any use of this Site or our product(s), including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

4. Earnings

All earnings shown on this Site are accurate to the best of our knowledge, and should not be considered “typical”. As with any business, your results may vary, and will be based on your background, dedication, desire and motivation. We make no guarantees regarding the level of success you may experience. Any testimonials and examples used are exceptional results, which do not apply to the average purchaser, and are not intended to represent or guarantee that anyone will achieve the same or similar results. You may also experience unknown or unforseeable risks which can reduce results. We are not responsible for your actions.

5. Refund Policy

As explained in the Site, the purchase comes with a full 30-days money-back guarantee with the terms and conditions as follows :

(i) the guarantee is valid ONLY where the purchase has been made by you as the manual is solely intended for that person alone. Any refund requests needs to include a statement/attestation that you, as the purchaser, bought this manual in good faith;

(ii)to obtain a refund you must first return the manual and any printouts to, copies or parts of it as well as all the downloading URLs and all access to it in it’s original condition without any damage whatsoever. Your refund request must include an attestation to the fact and if at the time we find ANY evidence that your attestation is false (whether intentionally or not) the refund request will be declined and you will have permanently forfeited your right to a refund;

(iii)this refund is ONLY valid if you refund within 30-days of receipt of manual and when receives back the manual within 30-days of receipt of the manual by you;

(iv)by requesting a refund and attesting to the above you agree to a liability of irreparable damage toward the should it later be found that you’ve kept copies or parts of the manual or given these to third parties. This liability stands even without a refund request, of course, as it is part of the copyright and license of the information product;

(vii) to have a right for a refund you must attest that you’ve adhered to the copyright limitations of this information product and not given any copies or any parts to ANY third parties;

(viii) this refund right is not intended as an opportunity to view the information within the manual for free. Do NOT proceed to view this manual unless you are genuinely interested in its subject matter and intend to evaluate ways to achieve better control over your finances and achieve financial freedom. The signs of frivolent refund requests are very specific within the information industry and if we find those signs present in your request it may be refused on the basis that you misused the money-back guarantee to obtain the materials for free, thus intending to acquire benefit with deceipt aforethought;

(ix) your original purchase must have been made in your own name and in your refund request you must include the date of your original purchase, the name and website membership ID given by us to you; and

(x) all processing fees, packaging costs, posting and delivery costs and all other related expenses incurred in the process of delivering the manual to you will be deducted from the refund to you.

We do not consult clients on the correct format of refund requests other than make this page available. It is up to you to ensure your refund request confirms with these above points from the onset and if it doesn’t, your request will be rejected. All decisions of rejection are final. We apologise for the need for these specific terms for refund right, request and processing of refunds. These measures are unfortunately necessary because some rare individuals have misused our refund policies in order to acquire free manuals. The 30-day 100% money-back guarantee means what it says as long as you purchase the manual with full intention of using it and, in case you are truly dissatisfied, file your refund request according to the simple points above.

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