Refund Policy

AOC SDN. BHD. (Company Registration No. 202201031727), trading as The Art of Crypto

1. Scope and mandatory rights

This Refund Policy applies to programmes and subscriptions supplied by AOC SDN. BHD. (Company Registration No. 202201031727), trading as The Art of Crypto. It explains cancellation, withdrawal, refund and service-remedy processes. It does not limit any non-excludable right under the Malaysian Consumer Protection Act 1999 or other applicable consumer law.

2. Cancellation is different from a refund

Cancelling a recurring subscription stops future renewals when completed before the next billing date. It does not automatically refund a completed charge. A refund concerns money already charged. You may cancel through https://billing.theartofcrypto.co/dashboard or support@theartofcrypto.co. Your cancellation confirmation will state the effective date, last access date and confirmation number.

3. Change-of-mind requests

Unless the order summary expressly provides a trial or additional money-back period, AOC does not offer a general contractual change-of-mind refund after the service or digital content has begun. This rule does not affect statutory withdrawal rights, consumer guarantees, non-conforming or undelivered services, duplicate charges, unauthorised transactions, or a written guarantee stated in the order summary.

4. Digital content and distance-contract withdrawal rights

Immediate access does not by itself automatically or irrevocably waive a withdrawal right. If a law applicable to your purchase gives a withdrawal period for digital content or services, checkout will provide the required information and, where necessary, separately ask you to request supply during that period and acknowledge the legal effect once supply begins. The order confirmation will record your choice.

If the required information, request or acknowledgement was not obtained, any applicable withdrawal right remains available according to law. Where immediate access is not required, AOC will offer delayed access or another lawful option for consumers entitled to that choice. A statutory no-reason withdrawal request does not require unnecessary evidence.

5. Service problems and non-conformity

Contact support@theartofcrypto.co if paid content or services are materially unavailable, not as described, defective or not supplied. We may first offer a prompt repair, restored access, replacement session or other cure where lawful and reasonable. If the problem is not corrected within a reasonable time, or a cure is impossible or disproportionate, you may be entitled to a price reduction, termination or refund under the contract and applicable law.

A difference in personal trading outcome, failure to pass a prop-firm evaluation or market loss is not by itself service non-conformity where AOC supplied the educational service described and made no applicable outcome guarantee.

6. Duplicate and unauthorised charges

Report a duplicate or unauthorised charge promptly with the order or transaction reference. We will investigate with the payment provider and correct a verified billing error. We may reasonably verify identity and account control but will not require irrelevant personal information. This process does not restrict rights available through your bank, card provider or applicable law.

7. Instalment plans

If an order summary identifies instalments as payments of a fixed total programme price, cancelling access does not automatically cancel remaining instalments. Remaining amounts cease or are adjusted only when an approved refund, termination for non-conformity, written settlement or mandatory law requires it. We will not treat a recurring subscription as a fixed-price instalment plan unless that structure was clearly disclosed before purchase.

8. Recurring subscriptions

You may stop the next renewal by cancelling before the next billing date shown in your account. Access continues until the confirmed access-end date. A renewal charge is refundable where required by law or where it is duplicate, unauthorised, charged after a timely cancellation, or covered by a written refund promise in the order summary. Otherwise, cancelling after renewal normally stops the following renewal rather than reversing the completed charge.

9. Digital-asset payments

If an eligible purchase was paid in USDT or another digital asset, the order summary and receipt must state the token, network, amount and refund method. Unless mandatory law or the order summary requires another method, an approved refund is returned in the same token and network to a verified compatible address. A statutory full refund will not be reduced by processor or network fees unless applicable law permits the deduction. If return in the original asset is impossible, we will agree or apply the disclosed fiat-equivalent method and timestamp.

10. How to request a cancellation, refund or remedy

• Email support@theartofcrypto.co or use the authenticated account route where available.
• Provide your name, account email, order number, request type and enough detail to identify the transaction. For a service problem, briefly describe what did not work and when.
• Do not send full card numbers, passwords, private keys, seed phrases or unnecessary identity documents.
• We will acknowledge the request within 3 business days and aim to decide it within 14 business days. A law requiring a shorter period controls.
• We may request proportionate evidence for a billing error or service problem, but not unnecessary reasons or evidence for a valid no-reason statutory withdrawal.

11. Access and account records

We may review order, payment, account and content-access records when assessing a request. Those records may contain errors and may be challenged. They are evidence, not automatically conclusive proof, and we use and retain them only as described in the Privacy Policy and applicable law.

12. Refund method and timing

An approved refund is normally sent to the original payment method. We do not send a refund to a different person or unverified destination. We initiate the refund without undue delay and normally within 14 days after approval, or within any shorter legal deadline. Banks, card schemes and blockchain networks may require additional processing time. We provide confirmation when the refund is initiated.

13. Chargebacks and disputes

You may contact us to resolve a concern, but nothing in this Policy makes first contact mandatory where law or a payment scheme gives you another remedy. We will respond to a chargeback or dispute with accurate records and neutral language. We do not classify a good-faith dispute as fraud, theft or bad faith merely because it was filed.

14. Complaints

If you disagree with a decision, reply to support@theartofcrypto.co and ask for review, identifying the decision and any missing information. A different authorised person should review the complaint where practicable. You may also use any regulator, tribunal, court, payment-provider or consumer-remedy route available under applicable law.

15. Contact

AOC SDN. BHD., Company Registration No. 202201031727
7-2, Plaza Danau 2, Jalan 2/109F, Taman Danau Desa, 58100 Kuala Lumpur, Malaysia
Email: support@theartofcrypto.co
Telephone: +60 17 266 0386

16. VIP Experience — product-specific terms (BF26)

This section applies to the VIP Experience offered in connection with the 75% Win Rate Masterclass (November 28-29, 2026). Where this section conflicts with the rest of this Policy for a VIP purchase, this section controls for that purchase.

16.1 What you receive, and for how long

• AOC Technical Field Manual and Implementation Playbook. Delivered digitally when your access is activated. These are educational content materials licensed for your personal use and retained after the experience ends. "Kept forever" means continued personal access to these two materials only. It does not include future updates or new editions, one-to-one support, software access, or community access. If the platform hosting these materials changes, we will provide a reasonable way for you to retain access to the materials you purchased. If a purchase is refunded under section 16.3, the licence to these materials ends and access is revoked.
• AOC AI. 30 days of access, starting on the date of purchase. Access ends automatically 30 days from that date.
• VIP WhatsApp group. Live until 13 December 2026. Access ends on that date.
• Live trading calls with Suen. Scheduled live sessions on November 10 and December 4, 2026, 12:30 PM GMT. If you miss a session, a recording is made available where reasonably possible. A missed live session is not by itself a service defect or refund ground where the session took place and a recording or equivalent access is provided.

16.2 Price, billing and payment fees

VIP is a one-time payment of $195 (or the amount shown in your order summary). It is not a subscription and does not renew. Section 8 of this Policy (recurring subscriptions) does not apply to VIP.

Where you pay by credit card, a processing surcharge of 3.9% is added and disclosed at checkout before payment. The total you authorise is the amount shown at checkout, inclusive of the surcharge. Alternative payment methods (including USDT, see section 9) do not carry the surcharge.

Approved refunds are issued for the full amount you were charged, including the surcharge, to the original payment method. We do not deduct the surcharge from a refund.

16.3 7-day money-back guarantee (VIP)

VIP comes with a 7-day money-back guarantee. If you go through everything and genuinely feel it wasn't worth it, email support@theartofcrypto.co within 7 days of your purchase date with your order number, and we will refund 100% of what you paid for VIP to your original payment method. We may ask for a short note on what did not work so we can improve, but a refund is not conditional on stating a specific reason.

On a refund under this section, access to the AOC Technical Field Manual and Implementation Playbook is revoked as described in 16.1, and AOC AI and VIP WhatsApp group access end immediately.

This guarantee is in addition to, and does not limit, any non-excludable right you have under applicable consumer law.

16.4 Results disclaimer

AOC provides trading education. We do not guarantee funding, payouts, profits, win rates, or any financial or trading outcome. Results shared in our marketing, including student funding amounts, payouts and individual trade results, are individual outcomes, are not typical, and do not predict your result. Trading and prop-firm evaluations involve substantial risk, and you may lose all capital and fees. See section 5 of this Policy and section 5 of the Terms of Service.

16.5 Questions

If anything in this section is unclear, email support@theartofcrypto.co before purchasing and we will answer it.