Last Updated: 29 Jan 2026

These Terms & Conditions (“Terms”) govern your access to and use of the website, products, and services operated by MARKET THINK CREATIVE HOLDINGS SDN. BHD. (Company Registration No.: 202501012699 (1614113-K)), a company incorporated in Malaysia (“Company”, “we”, “us”, or “our”).

By accessing our website, purchasing any product, or using any service, you agree to be bound by these Terms.

1. Scope of Services

We provide educational and software services including but not limited to:

• Online courses (live workshops and recorded content).

• Coaching, advisory, and mentoring services.

• Software-as-a-Service (SaaS) tools and subscriptions.

• Marketing, operational, and delivery support for third-party educators (“Partner Instructors”).

Important: Unless expressly stated otherwise, the Company acts as a platform operator and education provider. We are not a licensed financial institution, investment bank, or medical facility.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use our services. If you are purchasing on behalf of a minor (e.g., for child wellness programs), you agree to supervise their use of the materials.

3. Payments & Pricing

• Methods: Payments may be made via online bank transfer, FPX, or credit/debit card via Stripe.

• Plans: Products may be offered as one-time payments, instalment plans, or recurring subscriptions.

• Taxes: All prices are exclusive of SST or other applicable taxes unless stated otherwise.

• Default: Failure to complete an instalment or subscription payment may result in the immediate suspension or termination of your access to the course/software without refund.

4. Delivery of Services

• Courses and coaching services are typically delivered on specified dates.

• Access information will be provided after successful payment.

• You are responsible for ensuring your availability to attend scheduled sessions.

Missed sessions due to personal reasons do not constitute grounds for refunds.

5. Intellectual Property

All content, materials, recordings, software, systems, templates, frameworks, and documentation provided are the intellectual property of the Company and/or Partner Instructors.

Restrictions: You may not copy, reproduce, distribute, resell, or commercially exploit any content (including sharing course videos or PDFs) without our prior written consent.

6. Disclaimers & Risk Acknowledgement

6.1 Financial & Trading Education Disclaimer

Courses involving futures trading, financial markets, or investment-related education are provided strictly for educational purposes only.

• No Advice: No content constitutes financial, investment, or trading advice under the Capital Markets and Services Act 2007.

• Risk Warning: You acknowledge that trading involves substantial risk and you may lose all or more than your initial capital.

• No Guarantees: We do not guarantee profits, income, or specific trading results. Past performance shown in case studies is not indicative of future results.
• All trading decisions and risks are solely your responsibility.
• Past performance, examples, or case studies do not represent or guarantee future results.

6.2 Child Growth & Wellness Education Disclaimer

Programs related to child growth, height development, nutrition, or wellness are educational and coaching-based only.

• Not Medical Advice: These programs do not constitute medical diagnosis, treatment, or prescription.

• Consult a Doctor: Always consult a qualified pediatrician or medical professional before making changes to a child’s diet or exercise routine.

• Individual Results: Results vary based on genetics, health conditions, and adherence to the program.

• Parents or guardians acknowledge that they are solely responsible for consulting qualified medical professionals where necessary.

6.3 General No-Guarantee Disclaimer

We do not guarantee:

• Specific results or outcomes

• Income levels or financial returns

• Performance improvements

• Health or physical changes

All outcomes depend on your individual circumstances, effort, and execution.

7. Refund Policy

All purchases are governed strictly by our Refund Policy, which forms an integral part of these Terms. By completing a purchase, you acknowledge that you have read and agreed to the Refund Policy.

8. Limitation of Liability

To the fullest extent permitted by Malaysian law:

• We shall not be liable for any indirect, incidental, special, or consequential losses (including loss of data, revenue, or profits).

• Our total aggregate liability for any claim shall not exceed the amount actually paid by you for the specific product or service giving rise to the claim.

9. User Conduct

We maintain a respectful community. We reserve the right to remove any participant from our programs or WhatsApp groups without refund if they engage in harassment, hate speech, spam, or defamatory behavior towards staff or other students.

10. Modification of Terms

We reserve the right to update these Terms at any time. Updated Terms will be published on our website. Continued use of our services after updates constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia.

12. Contact Information

For any questions regarding these Terms, please contact us at: 📧 Info@marketthinkcreative.com