Refund & Cancellation Policy

1.1 Digital SaaS Nature: Due to the digital nature of our services and the immediate allocation of premium leads, technical features, and extended location-based visibility, all subscription fees paid to SolveMY are 100% non-refundable. 1.2 No Pro-Rata Refunds: If you decide to cancel or downgrade your subscription before the end of your current billing cycle (monthly or annually), you will not receive a pro-rata refund or credit for the remaining unused days of that billing period. 1.3 No Performance Guarantees: SolveMY is a commission-free information routing and directory marketplace. We provide customer inquiries and visibility leads; however, we do not guarantee job conversion, leads volume, or income. The lack of customer conversions during your subscription period does NOT entitle you to a refund.

2.1 Cancel Anytime: You may cancel your monthly or annual subscription at any time without any termination fees or penalties. 2.2 How to Cancel: Cancellations must be initiated directly by the user via the Subscription Management page within the SolveMY App, or by submitting a formal termination request to our billing support at billing@solvemy.my at least forty-eight (48) hours before the next scheduled billing date. 2.3 Post-Cancellation Access: Upon successful cancellation, your premium features (e.g., unlimited inquiries, 20km–50km map visibility, Media Display Wall) will remain fully active until the expiry date of your current paid billing cycle. Upon expiry, your account will be automatically downgraded to the Lite Plan (Free), and platform limits will apply.

3.1 Violation of Terms: If your account is suspended, restricted, or permanently banned from the Platform by our administration due to a violation of our Terms & Conditions, Prohibited Services List, or because your Credit Score dropped below the acceptable threshold (via validated user fraud, scams, or malicious conduct): • Any active subscription will be terminated immediately. • All remaining prepaid subscription fees shall be forfeited completely, and no refunds will be issued.

4.1 Auto-Billing: If you saved your credit card or opted for a recurring automated payment method via FIUU, you authorize SolveMY to automatically charge the prevailing subscription fee on a recurring basis (monthly/annually) until you formally cancel the subscription via the App. 4.2 Failed Payments: If an automated recurring charge fails due to card expiry, insufficient funds, or banking network errors, the system will provide a 3-day grace period, after which premium privileges will be suspended until successful settlement.

5.1 Activity Logging: SolveMY logs all server activities, including IP addresses, Device IDs, and automated WhatsApp Bypass click counters to monitor platform utilization. 5.2 Chargeback Defenses: If a User initiates a chargeback or payment dispute through their issuing bank (e.g., Maybank, CIMB, Public Bank) or e-wallet operator (e.g., Touch 'n Go) for a subscription that has been digitally activated and utilized, SolveMY will submit full utilization logs to the respective financial institution to reject the claim. 5.3 Blacklist Penalties: Any User found executing a fraudulent chargeback will have their account immediately terminated, their IC/Passport and SSM business registration permanently blacklisted from the platform, and SolveMY reserves the right to recover all chargeback administrative costs (minimum RM100 per case) via legal debt recovery channels.

In the rare event of a verified technical double-billing or system error caused by the payment gateway (FIUU), a full or partial refund will be manually processed. However, the User acknowledges that any third-party gateway transaction processing fees (such as credit card percentages or FPX processing merchant costs) are non-recoverable from the bank and may be deducted from the final refunded amount.

This Policy shall be governed by and construed in accordance with the laws of Malaysia. Any dispute or claim arising out of this Policy shall be subject to the exclusive jurisdiction of the courts of Malaysia.

SolveMY reserves the right to amend the pricing, tier structures, or the terms of this Refund & Cancellation Policy at any time. Any changes will be announced inside the App or via registered email 7 days prior to implementation. Continuous usage of the platform after updates indicates full consent.

For any billing discrepancies, currency issues, or subscription inquiries, please contact our lean compliance team directly within the App's Help Center or email us at support@solvemy.com.my. Do not initiate a dispute with your bank prior to contacting SolveMY support, as this may trigger automated anti-fraud account suspension.