SmartAsset.asia Refund Policy

All payments made to SmartAsset.asia are strictly non-refundable, unless otherwise stated at the sole discretion of SmartAsset.asia or where required by applicable Malaysian law.

This includes subscription fees, renewal payments, and processing fees.

Monthly subscription payments (RM300) are charged for access to platform features. As digital access is granted immediately upon successful payment:

• Subscription payments are final
• No refunds, partial refunds, or prorated refunds will be provided
• Unused subscription periods are non-refundable

A 25% processing fee applies to all approved withdrawals. This fee is:

• Non-refundable once processed
• Calculated as: Gross Withdrawal × 25%
• Deducted before payout

SmartAsset.asia reserves the right to withhold, reverse, or cancel referral rewards in cases involving:

• Fraudulent activity
• Self-referrals or system abuse
• Misrepresentation
• Spam or unethical practices
• Violations of platform policies

Referral rewards expire 3 months after their credit date if not withdrawn. Expired credits are non-refundable and cannot be reinstated.

If you believe a payment was processed incorrectly, please notify SmartAsset.asia immediately at:

📧 support@smartasset.asia

All claims are subject to internal review and verification.

All payments on SmartAsset.asia are processed through Stripe. SmartAsset.asia does not store full debit or credit card information. We are not liable for banking delays, payment gateway disruptions, or third-party processing fees.

Users are encouraged to contact SmartAsset.asia before initiating a chargeback. Unjustified chargebacks may result in:

• Immediate account suspension
• Permanent account termination
• Forfeiture of referral rewards
• Legal action where applicable

If an account is suspended or terminated due to policy violations, no refund or compensation will be provided.

For refund-related inquiries: