Refund and Cancellation Policy

• Operator: Iqreative Design (SSM REGISTRATION NO.)
• Contact: support@untng.my · SUPPORT PHONE
• Service: UNTNG (the "Service")
• Effective date: DATE · Version: 1.0

This Policy forms part of our Terms of Service.

1. What this Policy covers

The Service is a digital subscription. There are no physical goods, no shipping, and no returns. Nothing is delivered to an address and nothing is posted back to us.

Access is granted immediately on successful payment.

2. Free trial

New accounts may receive a free trial of 7 days. No payment is taken during the trial.

Cancel before the trial ends and you are never charged. If you do not cancel, the subscription begins automatically and the first payment is taken when the trial ends.

The trial is your opportunity to decide whether the Service suits you. Please use it — once a payment has been taken it is not refunded (clause 5).

3. Billing and renewal

• Subscriptions are billed monthly in advance.
• Prices are in Malaysian Ringgit (RM) and are inclusive of applicable taxes unless stated otherwise. The full price payable is shown before you confirm.
• Subscriptions renew automatically at the end of each billing period until cancelled.
• Payment is collected by Razorpay Curlec using the method you authorise. We do not store your card details.

4. How to cancel

Cancel at any time from Settings → Subscription in the Service, or by emailing support@untng.my from your registered address.

You may cancel at any time — during the trial, or at any point after it.

• Cancel during the trial → you are never charged. You keep access for the remainder of the 7-day trial, and access ends when the trial ends.
• Cancel after a monthly payment has been taken → cancellation takes effect at the end of the month you have already paid for. You keep full access until then, you are not charged again, and the payment already taken is not refunded.

In both cases the rule is the same: you keep what you have already paid for, or been given, and nothing further is charged.

5. Refunds

5.1 Subscription fees are not refundable

Once a monthly subscription payment has been taken, it is not refunded — whether you cancel part-way through the month, stop using the Service, or simply change your mind.

You keep access for the whole period you paid for. That is what the payment buys.

This is why the free trial exists: decide during the trial, before any money moves.

5.2 Where we will still return your money

Clause 5.1 is about refunding a valid charge. It does not apply where the charge itself was wrong. We will return your money where:

• you were charged more than once for the same period;
• you were charged after cancelling correctly;
• the charge was not authorised by you;
• a refund is required by law or regulation.

These are corrections of a billing error, not refunds of a subscription.

5.3 Automated readings are not a basis for a refund

As explained in the Terms of Service, automated output is a suggestion that you must review and confirm. A suggestion you accepted without checking, or a receipt the Service could not read, is not a service failure and is not a basis for a refund.

6. How to raise a billing error

If you believe one of the situations in clause 5.2 applies to you — a duplicate charge, a charge after cancelling, or a charge you did not authorise — email support@untng.my from the address registered to your account with:

1. your account email;
2. the date and amount of the charge;
3. which situation in clause 5.2 you believe applies.

We will acknowledge within 2 business days and decide within 7 business days, giving reasons if we decline.

7. How money is returned

Approved returns are made to the original payment method through Razorpay Curlec. We cannot refund to a different card, account, or person.

Once we submit a refund, it is typically credited within 7–14 business days, depending on your bank or card issuer. That period is controlled by them, not by us.

8. Late payment, suspension, and archived data

If a renewal payment fails, this is what happens and when.

8.1 Restoring a suspended account and its archived data

Your archived data is held for you. Recovering it is a service, and it is priced by how long we held it.

Within the 90-day archive window you may restore your account by paying:

• the current subscription price for the period going forward, and
• a data restoration fee, equal to one subscription period for each month (or part of a month) your data was held in archive — capped at 2 periods, even though we hold the data for 90 days. The cap is deliberate: the third month is free.

Example. On a RM69 monthly plan, returning after your data has been archived for six weeks: RM69 for the month ahead, plus RM138 to restore two months of archive.

8.1.1 You can always decline the fee

The restoration fee is optional, because the archived data is optional.

You may instead open a new account at the normal price with no restoration fee. You start clean; the archived data is not carried over and is deleted at the end of its window.

So the fee is not a charge for the months your account was suspended — you had no access then, and we do not bill for access you did not have. It is the price of getting your old records back, and you may decline it.

8.2 Export before you lapse

⚠️ Once the 90-day window closes, your archived data is gone. We cannot recover it, and neither can you.

Section 82 of the Income Tax Act 1967 requires you to keep records for seven (7) years. Export your data while your account is active. Do not treat this Service as your only copy.

9. Price changes

We may change prices. We will give at least 30 days' notice before a new price applies to your subscription. You may cancel before it takes effect. Price changes never apply retrospectively to a period you have already paid for.

10. Your data after cancellation

• You may export your data at any time, including after cancelling, for as long as it is retained.
• Access runs to the end of the period you paid for, and stops there (clause 4).
• After that we hold your data for 90 days with no access, then delete it permanently.
• Coming back inside those 90 days: you pay the current subscription price for the period ahead, plus a data restoration fee on the same terms as clause 8.1 — one subscription period for each month (or part of a month) we held your data, capped at 2 periods.
• You can always decline the fee and open a new account at the normal price. You start clean; the held data is not carried over and is deleted at the end of its window. Clause 8.1.1 applies here in the same way.
• ⚠️ Export before your paid period ends. Once it ends you cannot sign in or download.

Why cancelling and a lapsed payment are treated the same. In both cases you stop paying, we stop your access, and we hold your records for you. Holding them is a service whether you told us you were leaving or not — so the price to pick them up again is the same. The only difference is clause 8's 7-day grace period, which exists so a card that simply expired does not cost you your account.

• ⚠️ Export before you cancel. Section 82 of the Income Tax Act 1967 requires you to keep records for seven (7) years — longer than we retain them. We are not your archive of record. Keep your own copies.

11. Chargebacks

If you believe a charge is wrong, please contact us first. Raising a chargeback without contacting us may cause your account to be suspended while the dispute is investigated, and we will provide the payment provider with our transaction and access records.

12. Contact

• Iqreative Design
• REGISTERED / OPERATING ADDRESS
• support@untng.my · SUPPORT PHONE