Return & Refund Policy

Effective Date: October 2, 2026

Last Updated: October 2, 2026

LMA Online Enterprise (“we,” “our,” or “us”), registration number 202603001836 (NS0317837-A), operates the website accessible via https://lmaonline.shop.

This Return & Refund Policy governs all purchases of digital products, educational materials, and online services made through our platform. By placing an order, making a payment via our secure processors (Stripe or ToyyibPay), or accessing our digital content, you explicitly agree to the terms outlined below.

1. Strict “No Refund” Policy for Digital Goods

Because our website offers digital products, downloadable materials, online modules, and instant-access content, all sales are final. Once access to digital content has been granted or download links have been dispatched, the product cannot be returned, exchanged, or refunded.

In accordance with standard digital commerce practices and consumer regulations regarding non-tangible, irrevocable digital goods, we do not grant refunds for reasons including, but not limited to:

Change of mind or accidental purchases after access is granted.
Lack of usage, failure to access, or failure to complete the digital program.
Subjective dissatisfaction with the style, format, or content of the materials.
Inability to achieve specific personal or business outcomes, as individual results depend entirely on personal effort, consistency, and execution.

2. Exceptions: Defective or Broken Deliverables (“Unless Broken”)

We take quality assurance seriously. The only circumstance under which we will review a refund or replacement request is if the product is proven to be broken, corrupted, or permanently inaccessible due to a verifiable technical fault originating strictly from our platform or servers.

If you encounter a broken or defective file:

You must notify our customer support team at contact@lmaonline.shop within 7 calendar days of your purchase.
Your notification must include your order number, account details, and clear evidence (such as screenshots or error descriptions) of the technical defect.
Upon verification, we reserve the sole right to remedy the issue by:
- Providing a functional replacement or repaired file.
- Restoring or fixing access to the platform.
- Issuing a partial or full refund only if the technical defect cannot be resolved within a reasonable timeframe.

3. Duplicate Payments & Transaction Errors

If you experience a technical glitch resulting in a duplicate charge for the same product via Stripe or ToyyibPay:

Contact us immediately with the transaction reference numbers.
Once our team verifies the duplicate transaction through our payment gateway logs, the duplicate amount will be refunded back to your original payment method.

4. Chargeback and Dispute Policy (Anti-Fraud)

Because digital access is delivered instantly, filing an unauthorized or fraudulent chargeback, dispute, or reversal through your bank, credit card issuer, or payment processor (Stripe/ToyyibPay) after successfully receiving access to our digital products is strictly prohibited and constitutes a breach of contract.

Mandatory Resolution First: You agree to contact us first at contact@lmaonline.shop to resolve any billing disputes or technical access issues before initiating a chargeback.
Consequences of Fraudulent Chargebacks: If a fraudulent or unwarranted chargeback is filed:
- Your user account and access to all digital materials will be terminated immediately and permanently.
- We reserve the right to submit all transaction logs, IP addresses, login timestamps, and delivery confirmation records to Stripe, ToyyibPay, and relevant financial institutions to contest the dispute.
- We reserve the right to pursue legal recovery action or recovery of collection costs where applicable under Malaysian law.

5. Limitation of Liability

To the maximum extent permitted by applicable Malaysian law, LMA Online Enterprise, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our digital products, website downtime, or errors in digital content. Our total cumulative liability to you under any circumstance shall never exceed the total amount actually paid by you for the specific product or service in question.

6. Governing Law and Jurisdiction

This Return & Refund Policy, and any dispute or claim arising out of or in connection with it, shall be governed by and construed in accordance with the laws of Malaysia. Any legal action, proceeding, or dispute relating to purchases made on https://lmaonline.shop shall be subject to the exclusive jurisdiction of the courts of Malaysia.

7. Contact Us

If you have any questions, encounter a broken file, or require assistance with your order, please reach out to us:

Company Name: LMA ONLINE ENTERPRISE (202603001836 / NS0317837-A)
Website: https://lmaonline.shop
Support Email: contact@lmaonline.shop
Phone Number: +60 11-7268 8041

Refund and Returns Policy