Refund Policy

Effective Date: 26 May 2026
Last Updated: 26 May 2026
Version: 1.1

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1. General Policy

All subscription fees paid to SPM Champ are strictly non-refundable once the payment has been processed and access to the Platform has been granted.

By completing a purchase, you acknowledge and agree that you have been given immediate access to a digital educational service, and that no refund will be issued except in the limited circumstances described in Section 2 below.

This policy is consistent with Malaysian consumer protection law, as digital services are considered fully delivered upon the granting of access.

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2. Limited Exceptions — When Refunds May Be Considered

We may, at our sole and absolute discretion, consider a refund only in the following circumstances:

2.1 Technical Failure

If a verified technical error on our part prevents you from accessing the Platform for more than 72 consecutive hours, and we are unable to resolve the issue within a reasonable time, you may be eligible for a pro-rated credit toward a future billing period.

2.2 Duplicate Payment

If you were charged more than once for the same subscription period due to a payment processing error, the duplicate charge will be refunded in full within 7–10 business days.

2.3 Unauthorised Transaction

If you can demonstrate that a charge was made without your authorisation (e.g. fraudulent use of your payment method), contact us immediately at contactus@spmchamp.com. We will investigate and, if the claim is verified, process a refund accordingly.

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3. Non-Refundable Situations

The following are explicitly non-refundable under all circumstances:

• Subscription fees once access has been granted and the billing period has commenced
• Subscriptions where any platform features have been accessed or used
• Cancellations made mid-billing period (access continues until period end, but no refund is issued)
• Dissatisfaction with AI-generated content, marking, or feedback quality
• Change of mind after purchase
• Failure to use the subscription during the billing period
• Promotional or discounted subscriptions

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4. Subscription Cancellation

You may cancel your subscription at any time from your account settings or by contacting support. Cancellation stops future auto-renewal but does not entitle you to a refund for the current billing period. You will retain access to the Platform until the end of the paid period.

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5. How to Contact Us Regarding a Billing Issue

If you believe you qualify under Section 2, please contact us:

1. Email contactus@spmchamp.com with subject: Billing Issue – [Your Account Email]
2. Include your account email, date of charge, transaction reference, and a description of the issue
3. We will respond within 5 business days

Approved refunds will be returned to the original payment method within 7–10 business days.

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6. Chargebacks

Initiating a chargeback or payment dispute without first contacting us may result in immediate account suspension and may affect your ability to resubscribe. We strongly encourage resolving billing issues directly with our support team.

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7. Governing Law

This Refund Policy is governed by the laws of Malaysia. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts of Malaysia.

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8. Contact

SPM Champ Billing Support
Email: contactus@spmchamp.com
Website: spmchamp.com