Terms & Conditions

Welcome to FT Consultancy & Coaching Sdn Bhd online store and website. These terms and conditions apply to all visitors, users, customers, and purchasers who access or use https://www.fttax.my, https://www.fttax.my/services, our service pages, online store pages, digital products, and related online services.

You are bound by these terms and conditions as long as you access or use https://www.fttax.my, https://www.fttax.my/services, or any related page operated by FT Consultancy & Coaching Sdn Bhd.

The contents of these terms and conditions may be changed, moved, edited, or deleted at any time without prior notice.

FT Consultancy & Coaching Sdn Bhd reserves the right to change the contents of these terms and conditions where necessary. Any violation of the rules and regulations stated in these terms and conditions may result in immediate action against the offender or user involved.

Unless otherwise noted, all materials including images, illustrations, designs, icons, photographs, video clips, written content, layouts, digital products, reports, and other materials appearing as part of this website are copyrights, trademarks, trade dress, and/or other intellectual properties owned, controlled, or licensed by FT Consultancy & Coaching Sdn Bhd.

Users may not copy, reproduce, distribute, republish, modify, sell, or exploit any website content, digital report, training material, or online content without prior written permission from the company.

All comments and feedback to FT Consultancy & Coaching Sdn Bhd may be submitted to ft.ftconsultancy@gmail.com.

Users agree that comments, feedback, messages, or materials submitted to this website must not violate any rights of any third party, including copyrights, trademarks, privacy rights, personal rights, or proprietary rights.

Users further agree not to submit unlawful, abusive, defamatory, misleading, obscene, offensive, or harmful materials. Users are solely responsible for the content of any comments, feedback, or submissions made by them.

We use reasonable efforts to provide accurate product, service, digital product, course, report, and website information. However, we do not guarantee that all descriptions, images, screenshots, examples, visuals, prices, availability, or contents will be completely error-free or exactly the same as viewed on each user's device or monitor.

For digital products, reports, online services, and learning materials, examples shown on the website may be for illustration purposes only and may differ from the final output, report, content, or service received by each customer.

FT Consultancy & Coaching Sdn Bhd may send newsletters, reminders, updates, product information, service information, promotional messages, or educational content through email, WhatsApp, phone, SMS, social media, or other communication channels where permitted.

Users may opt out from marketing communications where applicable by contacting us or using any unsubscribe option provided in our communications.

Users agree to defend, indemnify, and hold FT Consultancy & Coaching Sdn Bhd, its directors, employees, contractors, service providers, and related parties harmless from and against any and all claims, damages, costs, expenses, losses, and liabilities, including legal fees, arising from or related to their use of this website, services, digital products, reports, or online materials.

This website may contain links to third-party websites, payment gateways, social media platforms, partner networks, advertisers, or other external sites. Access to third-party sites is at the user's own risk.

FT Consultancy & Coaching Sdn Bhd is not responsible or liable for any third-party website content, products, services, privacy practices, loss, damage, or issue arising from the user's use of third-party websites or services.

From time to time, information on this website may contain typographical errors, inaccuracies, or omissions relating to product descriptions, pricing, availability, articles, services, report descriptions, digital product details, or other contents.

We reserve the right to correct errors, inaccuracies, change, update, or edit information at any time without prior notice.

This agreement remains effective unless terminated by either the customer or the company. Customers may stop using the website or services at any time.

FT Consultancy & Coaching Sdn Bhd may terminate or restrict access to the website, member area, services, reports, digital products, or related features without prior notice if a customer or user fails to comply with these terms and conditions or if we reasonably believe that continued access may cause risk, misuse, or harm.

All goods, digital products, reports, services, subscriptions, bookings, or online purchases are subject to a one-time payment, recurring payment, or other payment arrangement as displayed at the point of purchase.

Payment may be made through available payment methods, including Visa, MasterCard, debit cards, credit cards, online banking, e-wallets, FPX, or other payment methods supported by our payment gateway or service provider.

Payment cards and online payment methods may be subject to validation checks and authorization by the card issuer, bank, payment gateway, or service provider. If we do not receive the required authorization or confirmation, we will not be liable for any delay or non-delivery of the order, access, report, digital product, or service.

FT TaxInsight, Tax Xray, digital reports, AI-generated responses, online learning content, and support materials are provided for general guidance, education, risk awareness, and preliminary review purposes only.

They are not a substitute for formal legal, tax, audit, accounting, or financial advice tailored to your complete circumstances. They also do not represent any official decision, confirmation, clearance, or approval from LHDN / IRBM or any government authority.

FT Consultancy & Coaching Sdn Bhd does not guarantee that a user will not be audited, investigated, queried, assessed, penalised, or contacted by LHDN / IRBM. Users should seek professional tax advice for specific tax audit, investigation, appeal, or dispute matters.