合规与法律

退款与转让政策

生效日期：2026年6月5日

公司：Capitalk Sdn. Bhd. (注册号: 1458863X | 202201013166)

本政策管辖 Capitalk Sdn. Bhd. 提供的所有服务（包括个人身份规划咨询、教育规划和海外企业设立）的退款、取消和争议解决流程。无论是作为终端用户还是官方代理商参与我们的服务，即表示您完全同意以下概述的条款。

1. 严格无退款政策

1.1 一般规则

Capitalk 提供的所有顾问、执行和咨询服务均为高度定制服务。一旦服务在我们的系统中正式启动、推进或付款已处理，在任何情况下均不予退款。

1.2 确认

客户和代理商在付款前必须确保完全理解我们跨境通路和架构的性质。处理付款即构成对本不可退款条款的完全接受。

2. 客户与代理商疏忽免责

在我们绝对的无退款框架下：

2.1 责任

If the progress of a service is hindered, delayed, or rejected due to the negligence of the End-user or the Agency, Capitalk shall hold no liability.

2.2 疏忽的定义

Such negligence includes, but is not limited to, failure to provide necessary documents within stipulated timelines, submission of false or invalid materials, concealment of critical background facts, or non-compliance with local regulations.

2.3 后果

If a service fails due to the aforementioned negligence, no refunds will be issued, and the transfer of funds or services to another user will be strictly prohibited.

3. 限制性服务与资金转让机制

As traditional "returns" are inapplicable to consulting and structural setup services, we offer a conditional transfer mechanism:

3.1 转让资格

Clients or Agencies may only request a transfer if an explicit error occurs in the documentation or application procedure, AND it is officially verified through our investigation that the error was absolutely NOT caused by the End-user or the Agency.

3.2 转让执行

If the criteria in Clause 3.1 are met, direct financial refunds remain unavailable. However, the End-user or Agency retains the right to request that the affected service and its equivalent monetary value be wholly transferred and applied to another designated End-user.

3.3 审批流程

All transfer requests must be formally submitted in writing to our internal system and are subject to final evaluation and approval by Capitalk management.

4. 货币与法律管辖权

4.1 标准货币

All transactional values, agency commissions, and transfer equivalents are exclusively calculated and settled in Malaysian Ringgit (RM).

4.2 适用法律

All transactions and operations are legally compliant and strictly protected by the laws of Malaysia. Any unresolvable disputes shall be subject to the exclusive jurisdiction of the competent courts in Kuala Lumpur, Malaysia.

5. 联系与支持

If you have any questions regarding this policy or need to submit a formal transfer request, please reach out to Kaysze Lau and our consultant team via our official channels:

Headquarters

Level 7-C, Menara Goldstone,
84, Jalan Raja Chulan,
50200 WP. Kuala Lumpur, Malaysia

Direct Contacts

Phone: +60 12 469 9045
Email: support@capitalk-inc.com

Upon receiving your written inquiry or request, our consultant team will review the details and respond within 24 business hours.

退款与转让政策