Refund policy
Last updated 27 September 2026
A digital file you buy here arrives the moment the bank confirms payment. A file you already have cannot be sent back the way a parcel can. Semakan Awal is a service instead, so its terms have their own section below. This policy is written around what can actually go wrong, not as a wall of legal text.
When we refund you in full
Four situations. In any one of them you get back the full amount you paid, and we do not ask you to justify it:
The file never arrived. The download link does not work, or the receipt never arrived and you cannot reach the file. We try to fix it first, because in most cases we can resend the link within minutes. If the file still is not in your hands within two business days, you get a full refund.
The file is broken or will not open. It refuses to open, or opens damaged. We send a fresh copy first. If that copy fails too, you get a full refund.
You were charged twice. Two payments for the same order. The second charge is refunded in full and you keep the file.
The file is not what was described. What arrived does not match what the product page said you would get. Tell us which part does not match, and you get a full refund.
When we do not refund
We would rather say this before you pay than after:
Change of mind after the file is downloaded. You already have the file and it cannot be taken back. That is why every product page tries to show you the real contents before there is a button to pay.
The file works, but your business outcome was not what you hoped. This is a working tool. It organises your numbers and shows you what they say. It cannot guarantee a bank's decision, a sale, or any other third party's answer.
You shared or resold the file. The licence inside the file covers use in your own business. Redistributing it ends the right to a refund.
Semakan Awal
The work starts after you pay and send your statements, so the terms differ a little. Three situations get a full refund, one does not:
Your statements are not enough to review. If the statements you send are not enough for us to run this review, we tell you and refund you in full.
The review never arrived. If the four-page review has not arrived within three working days of the complete statements arriving, tell us. If it still has not arrived two working days after that, you get a full refund.
You were charged twice. The second charge is refunded in full, the same as for a file.
The bank's decision was not what you hoped. Semakan Awal is prepared the way an assessor reads, but it is not a promise that a loan will be approved. The bank's decision is not a reason for a refund.
Duit Kedai and Kira Kos Dapur (app codes)
The code appears on screen and in the receipt e-mail the moment payment is confirmed. Two situations get a full refund, one does not:
The code never arrived, or will not activate. We fix it first, because the code can usually be shown again through the link in the receipt e-mail. If two working days later it still will not activate on your phone, you get a full refund.
You were charged twice. The second charge is refunded in full, the same as for a file.
You changed your mind after activating the code. An activated code cannot be taken back. That is why each app can be tried with the sample shop or the sample kitchen before you pay.
How to ask
WhatsApp us, or simply reply to your receipt email. Include the order number printed on that receipt, because it is what lets us find your exact payment. We answer within one business day.
How the money comes back
Refunds are issued through Billplz, our payment processor, back to the same account or card you paid with. We cannot send it to a different account. Once we approve it, your bank typically takes five to fourteen business days to show it, and that window belongs to the bank rather than to us.
Time limit
Fourteen days from the date of payment. After that we will still try to fix any problem with the file or the code, with no time limit - it is only the refund that closes.
Who you are dealing with
Arteyu Labs, an SSM-registered business in Malaysia. Payments are handled by Billplz Sdn Bhd. Prices on this site are in Malaysian Ringgit.