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Refund & Cancellation Policy

Effective Date: 2 October 2026 Last Updated: 2 October 2026 This Refund & Cancellation Policy applies to purchases made through NUMI International (M) SDN BHD (“NUMI”, “we”, “us” or “our”), including purchases made through numi-intl.ai, related NUMI websites, the NUMI application, NUMI Academy, training programs, masterclasses, memberships, events, digital products and other services offered by NUMI. By completing a purchase, you acknowledge that you have reviewed and agreed to this Refund & Cancellation Policy.

1. General Refund Policy

Unless a specific product, program, event, membership or promotional offer expressly states otherwise at the time of purchase, all payments made to NUMI are final and non-refundable to the fullest extent permitted by applicable law. This is because many NUMI products and services provide immediate or time-sensitive access to digital materials, proprietary methodologies, personalised content, training resources, recordings, assessments, reports, community access or live sessions. Nothing in this Policy limits any rights or remedies that cannot lawfully be excluded under applicable consumer protection laws.

2. Digital Products and Online Content

Purchases of digital products may include:
  • Digital courses;
  • Online learning materials;
  • Personalised reports or analyses;
  • NUMI Pattern or Human Pattern Intelligence reports;
  • Recorded seminars, workshops or masterclasses;
  • Downloadable materials;
  • E-books and guides;
  • Digital assessments;
  • App-based content;
  • Proprietary frameworks and educational materials.
Unless otherwise stated on the relevant offer page, digital products are non-refundable once access has been provided, content has been downloaded, a personalised analysis has been generated or substantial use of the product has begun.

3. Live Training, Seminars and Events

Fees paid for live training programs, workshops, masterclasses, seminars, conferences or other events are generally non-refundable unless otherwise stated in writing. If you are unable to attend an event, NUMI may, at its discretion:
  • Allow your registration to be transferred to another eligible participant;
  • Allow you to attend a future equivalent session;
  • Provide access to a recording; or
  • Offer another reasonable alternative.
Any transfer or replacement arrangement is subject to availability and approval by NUMI. Failure to attend a scheduled session does not automatically entitle you to a refund.

4. Programs That Have Already Commenced

Where a course, coaching program, certification program, mentorship, membership or structured training program has commenced, payments already made are non-refundable unless required by law or expressly provided under the specific program terms. Participants remain responsible for any payment obligations agreed to under an instalment or progressive payment arrangement, subject to applicable law and the specific terms provided at the time of enrolment.

5. Memberships and Subscriptions

Where NUMI offers recurring memberships or subscriptions, you may cancel future renewals in accordance with the cancellation method provided through your account or by contacting NUMI. Cancellation prevents future renewal charges but does not normally result in a refund for:
  • The current billing period;
  • Previous billing periods;
  • Unused membership time;
  • Failure to access membership benefits; or
  • Partial use of the service.
Your access may continue until the end of the period for which payment has already been made. Any different cancellation or refund terms displayed when you purchase a particular membership will take precedence over this general Policy.

6. Personalised Reports and AI-Generated Analysis

Personalised reports, calculations, profile analyses, identity analyses, Human Pattern Intelligence outputs and AI-assisted interpretations are created using information submitted by the user. Because these services may involve processing and generating personalised results specifically for you, they are generally non-refundable once generation or processing has commenced. You are responsible for ensuring that the information you provide, including your name, date of birth and other relevant information, is accurate before submitting it. NUMI is not required to issue a refund where an inaccurate result is caused by incorrect information supplied by the user.

7. Circumstances Where a Refund May Be Considered

NUMI may consider a full or partial refund where:
  • You have been charged more than once for the same transaction;
  • Payment was successfully collected but NUMI is unable to provide the purchased product or service;
  • A paid event is cancelled by NUMI and no reasonable replacement, rescheduled date or equivalent benefit is offered;
  • A technical error attributable to NUMI prevents access to a paid service and NUMI is unable to resolve the issue within a reasonable period; or
  • A refund is required under applicable law.
Requests are reviewed individually. Approval of a refund in one situation does not create an obligation for NUMI to provide refunds in other circumstances.

8. Change or Cancellation by NUMI

NUMI reserves the right to modify, postpone, reschedule or cancel courses, trainers, speakers, event dates, venues, delivery methods or program structures where reasonably necessary. Where a material cancellation occurs, NUMI may provide, depending on the circumstances:
  • A rescheduled session;
  • Access to an equivalent program;
  • Account credit;
  • Replacement digital content; or
  • A refund where appropriate or required by law.
NUMI will not be responsible for personal expenses such as accommodation, transportation, flights, meals or other costs incurred in connection with attendance unless required by applicable law.

9. Promotional and Discounted Purchases

Products or services purchased through promotional campaigns, early-bird offers, special discounts, bundles, founding-member offers, limited-time promotions or voucher arrangements are non-refundable unless the relevant promotion expressly provides otherwise or applicable law requires otherwise.

10. How to Request a Refund

To request review of a transaction, contact: Email: support@numi-intl.ai Please include:
  • Your full name;
  • Email address used for the purchase;
  • Order or transaction number;
  • Product or program purchased;
  • Date of purchase;
  • Amount paid; and
  • Reason for the request.
We may request additional information necessary to verify the transaction.

11. Approved Refunds

Where a refund is approved, NUMI will normally refund the payment through the original payment method where reasonably possible. The time required for the refund to appear in your account depends on the payment gateway, card issuer, bank or financial institution and is outside NUMI’s direct control. Any transaction, foreign exchange or banking fees charged by third parties may be subject to the policies of those third parties.

12. Chargebacks and Payment Disputes

If you believe a payment was made incorrectly, please contact NUMI first so that we can investigate the matter. Submitting a fraudulent or unjustified chargeback after receiving or accessing NUMI products or services may result in suspension or termination of your NUMI account and access to associated services, subject to applicable law. NUMI reserves the right to provide transaction records, access records and other relevant evidence to payment providers or financial institutions in connection with legitimate payment disputes.

13. Statutory Consumer Rights

Nothing in this Policy excludes, restricts or modifies any guarantee, right or remedy that cannot legally be excluded under applicable consumer protection laws. Where applicable law gives you rights that conflict with a provision of this Policy, the applicable legal requirement will prevail.

14. Changes to This Policy

NUMI may update this Refund & Cancellation Policy from time to time. The revised Policy will be published on our website together with an updated “Last Updated” date. The policy applicable to a transaction will generally be the policy presented or applicable when the transaction was made, except where changes are required by law.

15. Contact Us

For questions regarding payments, cancellations or refunds, contact: NUMI International (M) SDN BHD Email: support@numi-intl.ai Website: numi-intl.ai © 2026 NUMI International (M) SDN BHD. All Rights Reserved.