Terms of Service

1. Introduction and Acceptance

1.1 Who we are

These Terms of Service ("Terms") govern your access to and use of the Ogos Learning platform, an online learning platform operated by Ogos Learning Resources Sdn. Bhd. ("Ogos Learning", "we", "us", "our"), accessible at ogoslearning.com together with all related pages, applications and services (collectively, the "Platform").

1.2 Acceptance

By creating an Account, signing in, enrolling in a Course, or otherwise accessing any part of the Platform, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree, you must not access or use the Platform.

1.3 Continued acceptance

Each time you sign in, your continued access constitutes renewed acceptance of the then-current version of these Terms.

1.4 Other terms that may apply

Where you access the Platform under a corporate, institutional or sponsored arrangement, the terms of that arrangement apply in addition to these Terms. Clause 10 explains how the two interact.

2. Definitions

"Account" means the individual user account through which you access the Platform.

"Content" means all materials made available on or through the Platform, including course materials, video recordings, slide decks, written notes, worked examples, assessment questions and answer banks, interactive tools, graphics, software, page layouts and interface elements.

"Course" means any learning programme offered through the Platform, in any delivery format.

"Enrolment" means your registration in a specific Course, whether purchased by you, purchased on your behalf, or granted to you by Ogos Learning.

"Learner", "you" or "your" means any individual who accesses or uses the Platform.

"Live Session" means a scheduled synchronous class, webinar or workshop forming part of a Course.

"Module" means a discrete unit of learning within a Course, including its lessons, videos and resources.

"Platform" has the meaning given in Clause 1.1.

"Sponsored Enrolment" means any Enrolment paid for, arranged or funded by a party other than you — including an employer, a training provider, an institution, or a government or statutory funding body such as HRD Corp.

3. Eligibility and Accounts

3.1 Who may use the Platform

The Platform is intended for finance and professional-services practitioners, students and individuals pursuing professional qualifications or continuing professional education. You must be at least 18 years of age to create an Account.

3.2 How Accounts are created

An Account may be created:

(a) by you, through the sign-up form on the Platform;

(b) by you, using Google sign-in, in which case Google shares your name and email address with us; or

(c) by Ogos Learning, where an Account is provisioned on your behalf under a corporate, institutional or sponsored arrangement.

3.3 Accurate information

You agree to provide accurate and complete information when registering, and to keep your Account details current. Certain fields — including identification and professional-body reference numbers — are collected because they are required for accreditation, funding or compliance purposes. How we handle that information is set out in our Privacy Policy.

3.4 Your Account is personal to you

Your Account is for your own personal use only. You must not share your login credentials with any other person, and you must not permit any other person to access the Platform using your Account. Learning progress and assessment results are recorded against the individual holding the Account, and account sharing undermines the integrity of every one of those records.

3.5 Account email

The email address on your Account is your primary identifier and is not directly editable by you. If your email address changes — for example, on a change of employer — contact us and we will transfer your Account records to the new address.

3.6 Security

You are responsible for maintaining the confidentiality of your credentials and for all activity occurring under your Account. Notify us promptly at support@ogoslearning.com if you believe your Account has been accessed without your authorisation.

4. Courses, Enrolment and Access

4.1 Delivery formats

Courses are offered in the following formats, which are stated on each course page:

4.2 What an Enrolment gives you

An Enrolment grants you a personal, limited right to access the Content of that Course for the duration of your access window, on the terms set out in Clause 6.

4.3 Course availability and changes

We may add, modify, reschedule, withdraw or discontinue Courses, Modules and Live Sessions. Where a Live Session you are enrolled in is rescheduled or cancelled, we will notify you and will offer a place on an alternative session or, where no reasonable alternative is available, a refund of the fee paid for that Course.

4.4 Access window

Access to a Course is time-limited.

Self-paced Courses carry a standard access window of six (6) months, running from the date your Enrolment is created — not from the date you first open the Course. Some Courses carry a different window; where they do, the applicable period is stated on the course page and the course page prevails over this clause.

When the access window ends, your access to that Course's Content ends. Your completed assessment results remain associated with your Account.

4.5 Live Sessions

Attendance at Live Sessions is subject to the scheduled date and time stated on the course page. Where a Live Session is recorded, we may make the recording available through the Platform. We do not guarantee that any Live Session will be recorded, or that a recording will remain available indefinitely.

4.6 Technical requirements

You are responsible for the internet connection, device and browser needed to access the Platform. Course video is served through a third-party video provider and may be unavailable if your network blocks that provider.

5. Intellectual Property

5.1 Ownership

All Content on the Platform is the property of Ogos Learning Resources Sdn. Bhd. or its licensors, and is protected under the Copyright Act 1987 (Malaysia) and applicable international intellectual property laws.

5.2 What is protected

For the avoidance of doubt, our rights cover:

• Course materials in every form — video recordings, slide decks, written notes, handouts, worked examples and reference material;
• Assessment questions, answer options and answer keys, whether displayed on screen, transcribed, or reproduced from memory;
• The selection, sequencing and structuring of learning content, and the pedagogical approach it expresses;
• Recordings of Live Sessions, including any recording made by you in breach of Clause 7.1;
• The design, layout and interaction mechanics of Ogos Learning interactive tools; and
• All Ogos Learning branding, marks, graphics and interface elements.

5.3 What is not claimed

We do not claim ownership of underlying financial concepts, formulas, statutory provisions, professional-body syllabi, or facts in the public domain. Our rights attach to our expression, selection, arrangement and presentation of that material.

5.4 Third-party material

Some Content incorporates material licensed from third parties, including professional bodies and awarding institutions. That material remains the property of its owner and may carry its own restrictions, which we will identify where applicable.

5.5 Your submissions

You retain ownership of anything you submit to the Platform, such as your profile biography or assessment responses. You grant Ogos Learning a non-exclusive licence to use those submissions to operate the Platform, administer your Enrolment and meet our accreditation and funding obligations.

5.6 Feedback

If you provide feedback or suggestions about the Platform, you grant us a royalty-free, irrevocable licence to use that feedback for any purpose without obligation to you.

5.7 No transfer of ownership

Nothing in these Terms transfers any intellectual property right to you. Your Enrolment is a licence to access, and nothing more.

6. Licence Grant

6.1 Scope

Subject to your compliance with these Terms and to your Enrolment remaining current, Ogos Learning grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable licence to access and use the Content of Courses in which you are enrolled, solely for your own personal study and professional development.

6.2 Permitted personal use

You may view Content on screen, and may make notes and print or download materials where a download option is expressly provided, for your own study use only.

6.3 Not permitted

The licence does not extend to teaching, training, resale, publication, distribution, or any other commercial use, or to use by anyone other than you.

6.4 Duration

The licence lasts only for the duration of your access window and terminates automatically when that window ends or when your Enrolment or Account is terminated.

7. Prohibited Conduct

7.1 Content and recording

You must not, directly or indirectly:

(a) Record, screen-capture, film or photograph any Live Session, video, or Course material;

(b) Copy, reproduce, transcribe, republish, upload, post, transmit or otherwise distribute any Content to any person outside the Platform, including within your own organisation;

(c) Share slide decks, notes, recordings or assessment material with any person who is not enrolled in the same Course;

(d) Use any Content to create, deliver, market or sell a competing training programme, course or service, whether commercially or otherwise;

(e) Remove, obscure or alter any copyright, trademark or attribution notice.

This clause is a central protection of these Terms. Any breach will be treated as a material violation.

7.2 Design and interaction mechanics

You must not imitate, recreate or create derivative works based on the visual design, interaction mechanics or user-experience patterns of Ogos Learning interactive tools for the purpose of developing a competing or substitute product.

7.3 Assessment integrity

You must not:

(a) Copy, record, transcribe or distribute assessment questions or answers;

(b) Have any other person complete an assessment on your behalf, or complete an assessment on behalf of another person;

(c) Use any means to obtain assessment answers other than your own study of the Course material.

A breach of this clause may result in the invalidation of your assessment results for the Course concerned, and in suspension or termination of your access under Clause 17.

7.4 Automated access

You must not use any bot, scraper, spider, crawler or other automated tool to access, extract, monitor or reproduce any part of the Platform, and you must not systematically download or cache Content in bulk.

7.5 Account sharing

You must not share your credentials, allow another person to use your Account, or use another person's Account.

7.6 Reverse engineering and circumvention

You must not attempt to decompile, disassemble or reverse engineer any part of the Platform, or to circumvent any access control, authentication mechanism, download restriction, progress gate or content restriction.

7.7 Interference

You must not interfere with the operation or security of the Platform, upload malicious code, or attempt to gain unauthorised access to any account, system or data.

7.8 Unlawful and harmful use

You must not use the Platform for any unlawful purpose, or to harass, abuse or harm any other user, instructor or member of Ogos Learning staff.

8. Fees and Payment

8.1 Prices

Course prices are shown on each course page and are stated in Malaysian Ringgit (MYR) unless otherwise indicated. Prices are subject to change; the price applicable to you is the price shown at the time you complete your Enrolment.

8.2 Payment methods

Payments are processed by our payment provider, Stripe, and may be made by supported credit or debit card or by FPX online bank transfer. We do not receive or store your full card details.

8.3 Payment confirmation

On successful payment you will receive a confirmation email containing the amount paid and an order reference. Your payment history is also available within your Account. Please retain your order reference — it is the fastest way for us to locate your transaction.

8.4 Failed or incomplete payment

An Enrolment is created only when payment is confirmed. Where payment fails or is not completed, no Enrolment is created and no access is granted. FPX payments may take a short time to confirm.

8.5 Taxes

Fees are stated exclusive of applicable taxes unless otherwise indicated. You are responsible for any tax, levy or duty imposed on your purchase under applicable law.

8.6 Currency and bank charges

Where you pay from a non-Malaysian card or account, your bank's conversion rate and any cross-border charges are a matter between you and your bank.

9. Refunds and Cancellations

9.1 Scope of this clause

This clause applies only to Enrolments you purchased directly through the Platform in your own name and paid for yourself ("Direct Enrolments"). It does not apply to Sponsored Enrolments — see Clause 10.4.

Different rules apply to self-paced and Live Courses. Clause 9.2 covers self-paced eLearning; Clause 9.3 covers Live Courses.

9.2 Self-paced eLearning — 30-day money-back guarantee

If you are dissatisfied with a self-paced Course you purchased as a Direct Enrolment, you may request a full refund by writing to support@ogoslearning.com, provided that at the time of your request:

(a) 30 days have not elapsed since your payment; and

(b) fewer than 7 days have passed since you first accessed the Course.

Where a request meets both conditions, we will refund the full amount paid and your access to the Course will end.

If you have not yet opened the Course at all, only condition (a) applies — you may cancel for a full refund at any point within the 30 days.

This guarantee applies to self-paced Courses only. It does not apply to Live Courses.

9.3 Live Courses — 14-day cancellation window

For a Course delivered as one or more Live Sessions, a refund request must reach us no later than 14 days before the scheduled start date of the Course.

(a) 14 or more days before the start date — you may cancel and receive a full refund.

(b) Fewer than 14 days before the start date — no refund is available.

(c) On or after the start date — no refund is available, whether or not you attend.

The 30-day money-back guarantee in Clause 9.2 does not apply to Live Courses, and neither the purchase date nor your level of engagement changes the position: the only date that matters is the scheduled start date of the Course.

9.4 How refunds are processed

Approved refunds are returned to the original payment method within 14 business days of approval. We do not deduct a processing or administration fee — an approved refund is for the full amount you paid. Your bank or card issuer may take additional time to post the credit to your account.

9.5 Cancellation or rescheduling by Ogos Learning

If we cancel a Course or Live Session and cannot offer you a reasonable alternative, we will refund the fee paid for it. This applies regardless of Clauses 9.2 and 9.3.

9.6 No other refunds

Except as set out in this clause, in Clause 4.3, or as required by applicable Malaysian consumer law, fees are non-refundable. In particular, no refund is due for:

(a) an unused or partly used access window;

(b) your inability to attend a Live Session, or your non-attendance for any reason;

(c) failure to complete a Course within your access window; or

(d) termination of your access by us for breach of these Terms.

9.7 How to request a refund

Refund requests are handled by email to support@ogoslearning.com. There is currently no self-service cancellation or refund function within the Platform.

10. Corporate, Institutional, Sponsored and HRD Corp-Funded Enrolments

10.1 When this clause applies

This clause applies where your Enrolment is arranged or paid for by a party other than you, including an employer, a training provider, an institution, or a funding body such as HRD Corp.

10.2 These Terms still bind you personally

Even where you did not create your own Account and did not pay for your Enrolment, these Terms govern your personal use of the Platform. Clauses 3.4, 5, 6, 7 and 11 apply to you in full.

10.3 The commercial relationship sits elsewhere

The commercial terms of a Sponsored Enrolment — price, headcount, invoicing, cancellation and substitution — are governed by the separate written agreement, purchase order or funding arrangement between Ogos Learning and the sponsoring party, and not by these Terms.

10.4 No individual refund right

Clause 9 does not apply to Sponsored Enrolments. Any refund, cancellation or transfer is a matter between Ogos Learning and the sponsoring party under that arrangement.

10.5 Information shared with your sponsor

Where your Enrolment is sponsored or funded, we may be required to share your attendance, progress, assessment results and completion status with the sponsoring party, and with HRD Corp or another funding or accrediting body, for the purpose of administering, verifying or claiming against that funding. This is explained further in our Privacy Policy.

10.6 Funded-programme conditions

Government- or employer-funded training may carry attendance, completion or documentation requirements imposed by the funder rather than by us. Failure to meet those requirements may affect the funding claim. We are not responsible for a funding claim that is rejected because you did not meet the funder's conditions.

10.7 Substitution

Where a sponsoring party substitutes one participant for another, the outgoing participant's access ends on substitution and their progress does not transfer.

11. Assessments and Progress

11.1 Assessment attempts

Assessments may be limited to a single attempt per Learner per Course. Where a limit applies, it is stated on the assessment before you begin. Submitting an assessment consumes your attempt.

11.2 Progress records

The Platform records your progress through Modules and your assessment results. Those records are used for completion tracking and, where applicable, funding and accreditation reporting.

11.3 Accuracy of records

If you believe a progress record or assessment result on your Account is inaccurate, contact us and we will investigate.

12. Personal Data

12.1 Privacy Policy

Our collection, use, disclosure and retention of your personal data is governed by our Privacy Policy, which forms part of these Terms and is available on the Platform.

12.2 PDPA

We process personal data in accordance with the Personal Data Protection Act 2010 (Malaysia).

12.3 Sensitive identifiers

Certain Courses require us to collect identification numbers such as your NRIC or passport number, and professional reference numbers such as a FIMM number, because they are required for accreditation, funding or compliance purposes. The Privacy Policy explains why each is collected and who it is shared with.

13. Beta and Early Access Features

13.1 Beta status

Features or Content designated "beta", "early access", "preview" or "pilot" are provided on an as-is basis and may be modified, restricted or discontinued at any time without notice.

13.2 No guaranteed continuity

We make no commitment that a beta feature will become permanently available, that its functionality will remain unchanged, or that data or progress associated with it will be retained.

14. Disclaimers

14.1 Educational purpose only

The Platform is an educational service. Nothing on it constitutes financial, investment, tax, legal or other professional advice, and it must not be relied on as such.

14.2 No examination or qualification guarantee

We make no representation or warranty that use of the Platform will result in success in any professional examination or in the award of any qualification, including but not limited to the CFA and PKMC programmes. Preparation courses are supplementary to, and not a substitute for, the official curriculum of the relevant body.

14.3 CPE / CPD credit

Where a Course carries continuing professional education or development credit, the stated credit value is shown on the course page. Whether a professional body accepts that credit is a matter for that body, and we do not warrant acceptance.

14.4 No affiliation implied

References to professional bodies, qualifications and examinations are descriptive. Unless expressly stated, they do not imply endorsement of Ogos Learning by, or affiliation with, that body.

14.5 Accuracy of Content

We take reasonable care to ensure Content is accurate and current, but we do not warrant that it is free from error or fully up to date with syllabus or regulatory changes. You should verify material against official curriculum and regulatory sources.

14.6 Availability

We do not warrant that the Platform will be available at all times, uninterrupted, or free from error. We will endeavour to give reasonable notice of planned downtime. Some functions depend on third-party services, including our payment, video and email providers, and may be affected by their availability.

14.7 To the extent permitted by law

Except as expressly stated in these Terms, and to the maximum extent permitted by Malaysian law, the Platform and all Content are provided "as is" and "as available", without warranty of any kind.

15. Limitation of Liability

15.1 Indirect losses

To the maximum extent permitted by Malaysian law, Ogos Learning is not liable for any indirect, incidental, special, consequential or punitive loss or damage, or for any loss of profit, business, opportunity, examination outcome, funding claim or professional standing, arising from your use of or inability to use the Platform.

15.2 Cap on liability

To the maximum extent permitted by law, our total aggregate liability to you for all claims arising out of or in connection with these Terms or the Platform shall not exceed the greater of (a) the total fees paid by or for you in the 12 months immediately preceding the event giving rise to the claim, and (b) RM 500.

15.3 Exceptions

Nothing in these Terms limits or excludes liability that cannot lawfully be limited or excluded under mandatory provisions of Malaysian law, including liability for death or personal injury caused by negligence, or for fraud.

16. Indemnification

You agree to indemnify, defend and hold harmless Ogos Learning Resources Sdn. Bhd., its officers, directors, employees, instructors and agents from any claim, loss, damage, cost or expense (including reasonable legal fees) arising out of or related to:

(a) your breach of these Terms;

(b) your use of the Platform in violation of applicable law; or

(c) your infringement of any third-party intellectual property or other right.

17. Suspension and Termination

17.1 Termination by you

You may close your Account at any time by contacting support@ogoslearning.com. Closing your Account does not entitle you to a refund except as provided in Clause 9.

17.2 Suspension and termination by us

We may suspend or terminate your access to the Platform, with or without notice, if we reasonably believe you have breached these Terms — in particular Clause 7 (Prohibited Conduct) — or where required by law.

17.3 Effect of termination

On termination, your licence under Clause 6 ends immediately and your access to all Course Content ceases. We may retain your records where we are required to do so for accreditation, funding, audit, tax or legal purposes, as set out in the Privacy Policy.

17.4 No refund on termination for breach

Where your access is terminated for breach, you are not entitled to a refund of any fee.

17.5 Equitable relief

You acknowledge that a breach of Clause 5 or Clause 7 may cause Ogos Learning harm for which monetary damages alone may not be an adequate remedy. We reserve the right to seek injunctive or other equitable relief in addition to any other remedy available at law or in equity.

17.6 Record of acceptance

Your logged acceptance of these Terms — including account identifier, timestamp and IP address — constitutes evidence of your agreement and may be relied on in any dispute or proceeding.

17.7 Survival

Clauses 5, 7, 12, 14, 15, 16, 17 and 18 survive termination of your Enrolment, your Account or these Terms.

18. Governing Law and Disputes

18.1 Governing law

These Terms are governed by and construed in accordance with the laws of Malaysia, without regard to conflict of law provisions.

18.2 Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts of Kuala Lumpur, Malaysia for any dispute arising out of or in connection with these Terms or the Platform.

18.3 Good faith resolution first

Before commencing formal proceedings, both parties agree to make reasonable good-faith efforts to resolve any dispute informally, by written notice to the other.

19. Amendments

We may update these Terms from time to time. We will notify you of material changes by email, where an address is held on your Account, or by notice on the Platform. Your continued use of the Platform after the effective date of an amendment constitutes acceptance of the updated Terms. If you do not agree to an amendment, you must stop using the Platform before it takes effect. Amendments do not retroactively alter the refund terms applicable to an Enrolment already purchased.

20. General

20.1 Entire agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Ogos Learning regarding the Platform, and supersede all prior agreements, representations and understandings — subject always to Clause 10.3.

20.2 Severability

If any provision is found invalid or unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions continue in full force.

20.3 No waiver

Our failure to enforce any right or provision does not constitute a waiver of it.

20.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. Ogos Learning may assign these Terms without restriction.

20.5 Force majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control.

20.6 Language

These Terms are issued in English. Where a translation is provided, the English version prevails.

21. Contact

For questions about these Terms or to report a suspected violation, contact legal@ogoslearning.com. To request a refund, contact support@ogoslearning.com.

Ogos Learning Resources Sdn. Bhd. Company No. 201501025295 (1150618-P) Registered Address: A508, Kelana Square, Jln SS7/26, Kelana Jaya, 47301 Petaling Jaya, Selangor. Business Address: 5 Jalan BK 5/11G, Bandar Kinrara, 47180 Puchong, Selangor.