Terms & Conditions

1. Introduction and Parties

These Terms and Conditions ("Terms") constitute an agreement between Hikmat Academy ("the Academy," "we," "us") and any individual ("the Participant," "you") who enrols in, attends, or purchases access to any programme, course, seminar, or workshop offered by the Academy.

By completing registration and submitting payment, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not accept these Terms, please do not proceed with enrolment.

Hikmat Academy operates from 85, Jalan Sultan Ismail, 50250 Kuala Lumpur, Wilayah Persekutuan, Malaysia. Enquiries may be directed to [email protected] or by telephone at +60 3-2148 6739.

2. Programmes Offered

The Academy currently offers the following structured programmes. Details including schedules, fees, and curriculum may be updated from time to time; the current version of such details is published on our website.

All fees are stated in Malaysian Ringgit (MYR) and are inclusive of written course materials unless otherwise noted at the time of registration.

3. Enrolment and Registration

Enrolment is completed when the Academy has received a completed registration form and the applicable fee in full. Submission of a form alone does not constitute a confirmed place.

• All programmes have limited cohort sizes. A place is held only upon receipt of full payment.
• The Academy reserves the right to decline any enrolment at its discretion, in which case any payment received will be returned in full.
• Participants must be at least 18 years of age. Programmes are intended primarily for adults aged 40 and above; participants outside this range are welcome but should note that course content and discussion are oriented towards this demographic.
• Enrolment confirmation will be sent by email to the address provided at registration, ordinarily within three business days.

4. Payment and Refund Policy

Full payment is required to confirm a place in any programme. The Academy does not offer instalment arrangements unless separately agreed in writing.

4.1 Withdrawals by the Participant

• Fourteen or more days before the programme start date: A full refund will be issued, less an administrative charge of MYR 100.
• Seven to thirteen days before the start date: A refund of 50% of the programme fee will be issued.
• Fewer than seven days before the start date: No refund is available. The Academy may, at its discretion, allow a transfer to a subsequent cohort of the same programme.
• Withdrawals must be submitted in writing to [email protected]. The date of receipt of written notice will be used to determine the applicable refund tier.

4.2 Cancellation or Rescheduling by the Academy

The Academy may cancel or reschedule a programme if enrolment is insufficient to form a viable cohort, or in circumstances beyond its reasonable control. In such cases, participants will be offered either a full refund or a transfer to the next available cohort of the same programme, at their election.

4.3 Missed Sessions

Partial attendance does not entitle the participant to a partial refund. Where a participant misses a session due to illness or emergency, the Academy will endeavour to provide written materials for that session, but cannot guarantee make-up sessions or recordings.

5. Programme Conduct and Participation

The Academy is committed to maintaining an environment of substantive, respectful discussion. The following expectations apply to all participants.

• Participants are expected to treat faculty and fellow participants with courtesy. Personal financial information shared in seminar settings is treated as confidential by the Academy and all participants.
• Course materials, including written notes and any supplementary documents, are provided for the personal educational use of the enrolled participant and may not be reproduced or distributed.
• Recording of sessions by any means is not permitted without the prior written consent of the Academy and all persons present.
• The Academy reserves the right to ask a participant to withdraw from a programme if their conduct materially disrupts the learning environment of other participants. In such circumstances, no refund will be provided.
• Participants who require reasonable adjustments on account of a disability or accessibility need are encouraged to inform the Academy at the time of registration so that appropriate arrangements may be considered.

6. Educational Nature of Programmes

All programmes offered by Hikmat Academy are educational in character. The Academy is not a licensed financial adviser, investment manager, or legal practitioner. Nothing in any course, session, workshop, or written material constitutes personalised financial, investment, tax, or legal advice.

Participants are encouraged to consult appropriately qualified professionals when making specific financial or legal decisions. The Academy does not accept responsibility for any financial decisions made by participants on the basis of course content.

Faculty members may hold professional credentials in their respective fields. These credentials are described accurately in the Academy's published materials. However, the holding of such credentials does not transform course participation into a professional advisory relationship.

7. Intellectual Property and Course Materials

All course materials — including written notes, syllabuses, reading guides, and any other documents provided to participants — remain the intellectual property of Hikmat Academy or the relevant faculty member. Enrolment grants the participant a non-exclusive, non-transferable licence to use these materials for their own personal educational purposes.

• Materials may not be copied in whole or in part and distributed to third parties.
• Materials may not be used as the basis for commercial training, workshops, or advisory services by the participant.
• Digital versions of materials, where provided, may not be uploaded to any public platform or shared beyond the enrolled participant.

8. Limitation of Liability

To the fullest extent permitted by Malaysian law, Hikmat Academy's liability to any participant arising out of or in connection with a programme shall not exceed the fee paid by that participant for the specific programme in question.

The Academy is not liable for any indirect, consequential, or financial loss arising from a participant's reliance on course content. This includes but is not limited to investment losses, taxation liabilities, or losses arising from decisions made in reliance on content presented in any session or written material.

Nothing in these Terms limits liability for death or personal injury caused by the Academy's negligence, or for fraud or fraudulent misrepresentation.

9. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Malaysia. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the non-exclusive jurisdiction of the courts of Malaysia.

In the event of a dispute, the parties agree to seek resolution informally in the first instance by contacting the Academy at [email protected] and allowing a reasonable period for response.

10. Amendments to These Terms

The Academy reserves the right to amend these Terms from time to time. The version in force at the time of a participant's registration applies to that enrolment. Amendments affecting existing enrolments will be communicated by email.

The current version of these Terms is published at hikmatacpw.pro/terms-conditions and is dated as shown above.

11. Contact

For matters relating to these Terms, enrolment, payment, or programme conduct, please contact the Academy by:

• Email: [email protected]
• Telephone: +60 3-2148 6739
• Post: Hikmat Academy, 85, Jalan Sultan Ismail, 50250 Kuala Lumpur, Wilayah Persekutuan

We endeavour to respond to written enquiries within five business days.