Main Terms and Conditions Agreement| LOUIS THAI
LOUIS THAI

Main Terms and Conditions Agreement

MTCA 2025 / B.E. 2568 • Each item is a card — click to expand.

Front Matter

Preamble • Captions • Acknowledgment • Messages
Preamble
Main Terms and Conditions Agreement (MTCA)

Main Terms and Conditions Agreement (MTCA) 2025/B.E. 2568 Edition 1.0/MTCA Ed 1.0

This Main Terms and Conditions Agreement ("MTCA") 2025/B.E. 2568 establishes the primary rules, obligations, and rights governing all interactions, services, and engagements between LOUIS THAI International Group Sdn. Bhd. ("LOUIS THAI") and its Clients, Guests, Patrons, and NGO Bodies.

By accessing, engaging with, or receiving services from LOUIS THAI, all parties hereby acknowledge and agree to be bound by the provisions of this MTCA, unless superseded by a specific agreement or memorandum duly executed with LOUIS THAI.

Captions

The title or caption of each Article of these Terms & Conditions Section is for understanding purpose and is not to be used for interpretation of the text.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions, then You may not access the Service.

You represent that you are over the age of eighteen (18). The Company does not permit those under 18 to use the Service unless provision and guidance by parental.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

Welcome to LOUISTHAI.COM, (hereinafter referred to as the "Website", "We," "Us," or "Our"), owned and operated by Louis Thai International Group (Malaysia) Sdn Bhd (hereinafter referred to as "the Company") (Company No. 202101033331(1433631-V) which is incorporated in Kuala Lumpur, Malaysia with its registered office located at Tower 1 Grand Subang SS13, Jalan SS13/4, Subang Jaya 47500, Selangor D.E. Malaysia. The Website is offered to You conditioned on Your acceptance without modification of the Terms, Conditions, and notices contained herein (the "Terms").

Message from the Board | Chief Executive Office & President
Chief Executive Office and President

As the business landscape evolves rapidly and regulatory expectations continue to grow, it is imperative that we at Louis Thai Group remain firmly committed to upholding the highest standards of professionalism, transparency, and accountability.

The release of our Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) represents a significant step forward in reinforcing this commitment. This comprehensive document has been thoughtfully revised and expanded to reflect the dynamic needs of our clients, align with relevant Malaysian legislation, and further strengthen the integrity of our operations.

Among the key enhancements in this edition are stronger provisions around data protection, responsible network usage, client conduct, and dispute resolution - areas that are increasingly vital in today's digital and highly connected business environment.

The introduction of the Digital Certificate Installation Consent & Network Usage Agreement within Article 23 exemplifies our proactive approach to ensuring secure, ethical, and compliant interactions across our network infrastructure.

At Louis Thai Group, we view trust as the cornerstone of our relationships with our clients, partners, and stakeholders. The CTCA 2025 EDI 2.0 embodies this trust, providing clarity and confidence in every engagement we undertake.

We would like to express our sincere appreciation to all those who contributed to the development of this document and to our clients for their continued trust and support.

As we look ahead, we remain committed to continuous improvement and to ensuring that our practices not only comply with legal standards but also reflect the values of integrity, respect, and service excellence that define the Louis Thai brand.

On behalf of the Board of Directors,

Wong Shee Yee, Louis

Member of the Board of Director

LOUIS THAI Group Malaysia

Message from the Board | Proposed Director
Proposed Director

I am honoured to contribute to the Group's ongoing efforts to foster a culture of transparency, accountability, and client-centric service.

The Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) is not merely a legal document; it is a reflection of our core values and a testament to our unwavering commitment to protecting the rights and interests of our valued clients.

In this latest edition, particular attention has been devoted to strengthening key areas such as data privacy, ethical client engagement, and responsible network usage - matters that have become increasingly vital in today's technology-driven business environment.

The incorporation of new provisions, including the Digital Certificate Installation Consent & Network Usage Agreement, ensures that our clients remain well-informed, empowered, and protected in all interactions with our network services.

Although I do not yet serve as a member of the Board, I am privileged to support the Group's ongoing initiatives that promote robust corporate governance, legal compliance, and long-term client trust.

My involvement in this process is guided by the belief that clarity, fairness, and foresight are essential in crafting agreements that safeguard both the company and its clients. The meticulous structure of this Agreement reflects our commitment to ensuring peace of mind for every client engaging with Louis Thai Group.

I encourage all clients and stakeholders to review this document carefully and to reach out with any questions or feedback. Open dialogue and mutual understanding remain fundamental to building relationships that are not only long-lasting but grounded in trust - values that lie at the heart of Louis Thai Group.

On behalf of the Board of Directors,

Heng Kai Lun, Henry

Proposed Director

LOUIS THAI Group Kuala Lumpur

Message from the Stakeholder | Equity Stakeholder
Equity Stakeholder

As a stakeholder of Louis Thai Group, I am pleased to witness the continuous evolution of our corporate governance practices and our unwavering commitment to serving clients with the highest standards of integrity and transparency.

The release of the Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) marks a significant milestone in our ongoing journey to build a client-first organization that upholds legal compliance and fosters trust in every interaction.

From strengthened data protection provisions to a renewed focus on ethical network usage and client conduct, this Agreement demonstrates that Louis Thai Group not only embraces regulatory requirements but also proactively sets internal standards that exceed them.

As stakeholders, we fully support the Group's efforts to provide clients with clear, transparent, and legally sound policies. The inclusion of the Digital Certificate Installation Consent & Network Usage Agreement further exemplifies the Group's dedication to respecting clients' privacy and empowering them with informed choices.

We believe that trust, transparency, and accountability are the foundations of sustainable success. This updated Agreement is a living embodiment of those principles, and we encourage all clients and partners to engage with it openly and constructively.

We look forward to continuing to work alongside the leadership team and the broader community to uphold the values that make Louis Thai Group a trusted name in its field.

On behalf of the Stakeholders,

Stakeholder Representative

Stakeholder

LOUIS THAI Group Malaysia

Article 1

DEFINITIONS AND PROVISIONS INTERPRETATION AND DEFINITIONS OF THE AGREEMENT

DEFINITIONS AND PROVISIONS INTERPRETATION AND DEFINITIONS OF THE AGREEMENT

Interpretation

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

Definitions

For the purposes of these Terms and Conditions:
"Affiliate" An entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for the election of directors or other managing authority.
"Company Louis Thai International Group Sdn. Bhd." A company incorporated in Malaysia with registration number 202101033331 (1433631-V), referred to as "the Company", "We", "Us", or "Our" in this Agreement.
"Country" Malaysia.
"Data" Any identifiable information about You or Your affiliates collected by the Company, including but not limited to name, email address, phone number, and Service preferences, processed in compliance with the Personal Data Protection Act 2010 (PDPA).
"Device" Any electronic device capable of accessing the Service, including but not limited to a computer, cell-phone, or digital tablet.
"FOC" Free-Of-Charge, referring to products or services provided by the Company at no cost to the User under specific conditions outlined in Clause 35 and Clause 36.
"Group" LOUIS THAI International Group, encompassing Louis Thai International Group Sdn Bhd and its affiliated entities, collectively referred to as "LOUIS THAI Group" or "LTG" or "LOUIS THAI International"
re"International" Any country or jurisdiction outside Malaysia.
"Platform" The Company's online infrastructure, including the Website (https://louisthai.com) and related digital channels, used to offer and deliver Services and Products.
"Product Tangible Goods offered by the Company, including but not limited to talismans, ritual items, and wholesale goods under MSIC 46909.
"Service" Services provided by the Company, including but not limited to fortune-telling, rituals, blessings, consultations, and spiritual activities under MSIC 96092, accessible via the Platform or other designated channels.
"Terms and Conditions" This agreement, referred to as "Terms" or "Agreement", governing the relationship between You and the Company regarding the use of the Service and Platform.
"Third-party" Social Media Service Any services or content (including data, information, products, or services) provided by a third party that may be displayed, included, or made available through the Platform.
"User" The individual or legal entity accessing or using the Service or Platform, referred to as "You", "Your", or "Yourself", excluding members of the Company's Board of Directors and staff.
"Warranty" A written guarantee issued by the Company promising to repair, replace, or provide follow-up services for a Product or Service within a specified period, subject to conditions outlined in Clause 
"Website" The Company's official website, accessible at https://louisthai.com.
"Witthi" A category of ritual or spiritual products offered by the Company, including but not limited to Witthi 9 Chan ("W9C"), Witthi 9 Hong (W9H), and Witthi 3 Liam (W3L).
"You" means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
"You, Your, Yourself" referring to any guest or existing client with an intention to purchase our service or good who is to be served or who is served by Us, except member of Board of directors, and staff members of the Louis Thai Group. 
"Zero Tolerance Policy" The Company's policy prohibiting specific behaviors, as outlined in Clause 30, to ensure a safe and respectful environment for all Users and staff.
Thank you for visiting on our official website louisthai.com (the 'Website'). Please read these terms and conditions carefully before you start to use our website facility and before you apply any service from us.

Article 2

COMMENCEMENT

COMMENCEMENT

CAPTIONS

The title or caption of each Article of these Terms & Conditions Section is for understanding purpose and is not to be used for interpretation of the text.

ACKNOWLEDGMENT

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions, then You may not access the Service.

You represent that you are over the age of eighteen (18). The Company does not permit those under 18 to use the Service unless provision and guidance by parental.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

Welcome to LOUISTHAI.COM, (hereinafter referred to as the "Website", "We," "Us," or "Our"), owned and operated by Louis Thai International Group (Malaysia) Sdn Bhd (hereinafter referred to as "the Company") (Company No. 202101033331(1433631-V) which is incorporated in Kuala Lumpur, Malaysia with its registered office located at Tower 1 Grand Subang SS13, Jalan SS13/4, Subang Jaya 47500, Selangor D.E. Malaysia. The Website is offered to You conditioned on Your acceptance without modification of the Terms, Conditions, and notices contained herein (the "Terms").

ENTIRE AGREEMENT

These Terms and Conditions constitute the entire agreement between You (the User) and the Company (Louis Thai International Group Sdn Bhd) regarding the use of the Services, Products, and Platform, and supersede all prior or contemporaneous understandings, representations, agreements, or communications, whether oral, written, or electronic. No modifications or amendments shall be effective unless in writing and signed by both parties or expressly accepted via the Platform in accordance with Clause 16 (Amendment). This clause is governed by the Contracts Act 1950.

Article 3

CONDITIONS PRECEDENT

CONDITIONS PRECEDENT

Clause 1 | INTRODUCTION

1.1 Our Website is a Platform (hereinafter referred to as "Platform") where for the sales and services offered by the Company. The Users of the Website shall be referred to as "You," "Your," or "Users."

1.2 By clicking on the "Accept" button at the end of the Agreement acceptance form, Users agree to be bound by the Terms and Conditions of this Agreement. Please read this entire Agreement carefully before accepting its Terms. When You undertake any activity on the Website, You agree to accept these Terms and Conditions.

1.3 In using this Website, You are deemed to have read and agreed to the following Terms and Conditions set forth herein. Any incidental documents and links mentioned shall be accepted jointly with these Terms. You agree to use the Website only in strict interpretation and acceptance of these Terms, and any actions or commitments made without regard to these Terms shall be at Your own risk. These Terms and Conditions form part of the Agreement between the Users and Us. By accessing this Website, and/or undertaking to perform a Service provided by Us indicates Your understanding, agreement to and acceptance of the disclaimer notice, and the full Terms and Conditions contained herein.

Article 4

GENERAL OF ELIGIBILITY

GENERAL OF ELIGIBILITY

Clause 2 | ELIGIBILITY OF THE USER

1.1 You may use the Service only if You are at least eighteen (18) years of age and can form a binding contract with Us, and only in compliance with this Agreement and all applicable local, state, national, and international laws, rules and regulations.

1.2 Unauthorized Users are strictly prohibited from accessing or attempting to access, directly or indirectly, the Platform. Any such unauthorized use is strictly forbidden and shall constitute a violation of applicable state and local laws.

1.3 Our Website may, in its sole discretion, refuse to offer access to or use of the Platform to any person or entity, and change its eligibility criteria at any time. This provision is void where prohibited by law and the right to access the Website is revoked in such jurisdictions.

Article 5

OFFER AND ACCEPTANCE

OFFER AND ACCEPTANCE

Clause 3 | RELIGIOUS AND LEGAL COMPLIANCE

3.1 You represent and warrant that Your use of the Services or Products does not conflict with Your personal religious beliefs, obligations, or any applicable laws, including but not limited to Syariah laws if You are a Muslim under Malaysian jurisdiction.

3.2 The Company provides Services rooted in Thai spiritual traditions, which may include fortune-telling, rituals, or blessings (e.g., under MSIC 96092). These are offered for entertainment, personal guidance, or cultural purposes only, with no guaranteed outcomes (cross-reference Clause 3.4). The Company does not promote or encourage deviation from any religion, including Islam.

3.3 If You are a Muslim (as defined under Malaysian law), You acknowledge that certain Services may be incompatible with Islamic teachings (e.g., prohibitions on sorcery or non-Islamic rituals under the Syariah Criminal Offences Act or state enactments). By proceeding, You confirm that Your participation is voluntary, informed, and at Your own risk.

3.4 You agree to indemnify and hold harmless the Company, its affiliates, directors, and staff from any claims, liabilities, or consequences arising from Your use of the Services in violation of Your religious or legal obligations, including any Syariah proceedings.

3.5 The Company reserves the right to refuse or terminate Services if it reasonably believes they may conflict with applicable laws or Your declared religious affiliations, without liability (cross-reference Clause 2.3).

3.6 This clause is governed by Malaysian law, including the Federal Constitution (Article 11), Consumer Protection Act 1999, and relevant Syariah enactments, and disputes shall be resolved under Clause 45 (Dispute Resolution).

Clause 4 | SERVICES OFFERED BY THE PLATFORM

4.1 All the payments made and monies paid are final and conclusive, and the whole sum is due upon purchase. If You have failed to complete the full or partial payment as specified, it shall be assumed that You have not made the payment in full, and the Company shall not deliver the goods or services to You.

4.2 All products and services offered have limited quantity and the Company shall not provide any refund for any of the goods and services provided.

4.3 Any "all-consultation" services shall only be charged on a one-time off basis, with a complimentary follow-up consultation within thirty (30) days from the date of purchase.

4.4 The Company does not guarantee that any of the goods and/or services provided would create the same mystic abilities as envisioned by You. The Company will carry out its' best abilities in the blessings and rituals, and ensuring that the procedures are properly and ethically executed. In an others said; LOUIS THAI does not guarantee specific outcomes or results from ritual or fortune-telling services, as such outcomes are subjective and depend on individual circumstances. The Company will perform all Services with reasonable care and skill.

4.5 In the event You are dissatisfied with the blessing or ritual services which was carried out, You shall notify us in writing by way of WhatsApp, email, Facebook Messenger, or via our official website, no later than twenty one (21) days from the date of the ritual service. All complaints made shall be reasonably justified.

4.6 The Company shall review the complaint made pursuant to Article 5, Section 3.5. above, and in the event the Company finds the reasons of the complaint is reasonable, the Company may exercise its' discretion to schedule an additional one-time ritual or blessing at the Company's expense. However, this is limited to certain ritual only and the decision of the Company is final and conclusive.

4.7 You have the right to either accept, or decline the ritual product or blessings in Article 5, Section 3.6. above.

4.8 In the event you are dissatisfied with the products purchased from the Company, You shall notify us in writing by way of WhatsApp, email, Facebook Messenger, or via our official website, no later than twenty-four (24) hours from the time of purchase. The decision of the Company to review and provide a refund or replacement is final and conclusive, and compensate is final and conclusive.

4.9 In the event You receive damaged goods due to the Company's negligence in assessing the condition of the goods before handing over to You, the Company shall provide a replacement at the Company's expense.

Clause 5 | YOU AGREE AND CONFIRM

5.1 That You will use the Services provided by Our Platform, its Affiliates and contracted Companies, for lawful purposes only and comply with all applicable laws and regulations while using the Platform.

5.2 That You will provide authentic and true information in all instances where such information is requested of You. We reserve the right to confirm and validate the information and other details provided by You at any point in time. If upon confirmation Your details are found not to be true (wholly or partly), We have the right in Our sole discretion to reject the registration and debar You from using the Services of Our Platform and/or other affiliated websites without prior intimation whatsoever.

5.3 That You are accessing the Services available on this Website and transacting at Your sole risk and are using Your best and prudent judgment before entering into any dealings through this Platform.

5.4 It is possible that the other Users (including unauthorized/unregistered users or "hackers") may post or transmit offensive or obscene materials on the Platform and that You may be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain personal information about You due to Your use of the Platform, and that the recipient may use such information to harass or injure You. We do not approve of such unauthorized uses, but by using the Platform, You acknowledge and agree that We are not responsible for the use of any personal information that You publicly disclose or share with others on the Platform. Please carefully select the type of information that You publicly disclose or share with others on the Platform.

5.5 You agree to not post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information or description/image/text/graphic of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national, or international law.

5.6 You agree to not post or transmit any information, software, or other material which violates or infringes the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder.

5.7 You agree to not alter, damage or delete any Content or other communications that are not Your own Content or to otherwise interfere with the ability of others to access Our Platform.

5.8 You agree to indemnify and keep indemnified the Company from all claims/losses (including advocates' fees for defending/prosecuting any case) that may arise against the Company due to acts/omission on the part of the User.

5.9 All payments shall be made to the bank account specified in the Company's invoice or payment instructions provided at the time of purchase.

Bank Name:

HONG LEONG BANK BERHAD

Account Holder Name:

LOUIS THAI INTERNATIONAL GROUP SDN BHD

Account No.:

045 0033 1725

Swift Code:

HLBBMYKLXXX

City:

KUALA LUMPUR

Country:

MALAYSIA

5.10 The User shall provide the payment receipt or transaction proof to the Company. If the payment is not received within 3 working days, the Order will be cancelled without further notice.

5.11 An additional charge of RM 200.00 shall be applicable for materials required for product such as; Witthi 9 Chan, Witthi 9 Hong and Witthi 3 Liam. The fees are only applicable in the Malaysian branch, if the User is unable to prepare for the materials.

5.12 The free products and/or services shall only be applicable to the User solely. No transfer of ownership or benefits of any kind. Further discounts shall subject to the Company's decision.

5.13 For buyers outside of Malaysia, all prices quoted are subject to foreign exchange fees and the delivery of products and services shall depend on the market price.

5.14 Instalment Plan

a. The Company provides instalment plan for orders exceeding RM 5,000.00

b. The full payments shall be made within 60 days from the date of the invoice issued to waive the interest charge.

c. All late payments will be subjected to a penalty of 1.0% - 1.5% per month of the total price. (Ref: Article 12 Default and Enforcement Of Security Interest)

5.15 Price Fixation Guarantee

a. Commitment

The Company guarantees that the listed prices for Products (e.g., talismans under MSIC 46909) and Services (e.g., fortune-telling, rituals under MSIC 96092) shall remain unchanged for a fixed term of 2025-2027, subject to the exceptions outlined below. This guarantee is provided to ensure price stability and transparency for You.

b. Scope

(i) This guarantee covers all retail and service prices published on the Company's official Website (https://louisthai.com), invoices, and approved marketing materials.

(ii) Prices are fixed in Malaysian Ringgit (RM) and apply to domestic transactions unless otherwise specified for international users (Clause 4.13).

c. Exceptions

The guarantee does not apply in the following circumstances:

(i) Regulatory or statutory changes, including but not limited to new taxes, tariffs, or amendments to Malaysian laws (e.g., under the Consumer Protection Act 1999).

(ii) Force majeure events, as defined in Clause 25 (e.g., natural disasters, government restrictions, or supply chain disruptions).

(iii) Extraordinary cost escalations beyond 25% of raw material prices, verified by independent third-party documentation.

d. Client Rights

In the event of a breach of this guarantee:

(i) You may request written justification from the Company via email (support@louisthai.com) or WhatsApp, which We will provide within 7 working days.

(ii) You may cancel Your order without penalty and receive a full refund, subject to Clause 34 (Refunds).

(iii) You may seek alternative solutions mutually agreed upon, such as price adjustments or equivalent Services/Products at the original price.

(iv) All requests must be submitted within 21 days of the price change notification, providing proof of the original quoted price.

e. Legal Force

This clause shall be binding and enforceable under Malaysian law, specifically the Consumer Protection Act 1999 (ensuring fair trading practices) and the Contracts Act 1950 (governing contractual agreements). Any disputes arising from this guarantee shall be resolved under Clause 45 (Dispute Resolution), including mediation and arbitration.

f. Limitation of Liability

The Company shall not be liable for indirect losses (e.g., loss of anticipated savings) arising from exceptions to this guarantee, except as required by law (cross-reference Clause 17).

Article 6

THE WARRANTIES

THE WARRANTIES

Clause 6 | WARRANTIES, REPRESENTATION AND UNDERTAKINGS OF USER

6.1 The User warrants and represents that;

(a) all obligations narrated under this Agreement are legal, valid, binding and enforceable in law against the User.

6.2 The User agrees that;

(a) there are no proceedings pending against the User, which may have a material adverse effect on its ability to perform and meet the obligations under this Agreement.

(b) The User agrees that it shall, at all times, ensure compliance with all the requirements applicable to its business and for the purposes of this Agreement including but not limited to intellectual property rights, value-added tax, excise and import duties, etc.

(c) It further declares and confirms that it has paid and shall continue to discharge all its obligations towards statutory authorities.

6.3 The User agrees that;

(a) it has adequate rights under relevant laws including but not limited to various intellectual property legislation(s) to enter into this Agreement with the Company and perform the obligations contained herein and that it has not violated/infringed any intellectual property rights of any third party.

6.4 The User agrees that;

(a) appropriate disclaimers and Terms of use on the Company's Website shall be placed by the Company.

6.5 For Fortune Services;

(a) You may purchase a special warranty plan by paying an additional RM 25.00 for thirty (30) days or/and RM 50.00 for one hundred and eighty (180) days from the date of service.

(b) This warranty allows one (1) follow-up consultation to address questions related to the original service, subject to availability and booking.

6.6 The plan is not entitled to;

(a) any changes in name or/and;

(i) refund and is applicable for thirty (30) days and;

(ii) one hundred and eighty (180) days respectively, from the date of the service carried out.

(b) Special warranty enables the User to enquire on questions forgotten during the consultation service, any nothing more.

Clause 7 | PRODUCT CARE, DAMAGE, AND REPLACEMENT LIMITATION

7.1 Nature of Tangible Spiritual Products

(a) The User acknowledges that all tangible spiritual products offered by the Company, including but not limited to amulets, talismans, ritual artifacts, blessed items, and related spiritual products ("Tangible Products"), are inherently delicate in nature and may be subject to physical damage, wear, or deterioration arising from personal handling, environmental exposure, accidental impact, or improper use.

7.2 Limitation of Company Responsibility

(a) The Company shall not be liable for, nor obliged to replace, refund, repair, or reissue any Tangible Product that is damaged, broken, lost, altered, or rendered unusable after delivery, where such condition arises from personal use, mishandling, accidental force, negligence, third-party interference, environmental factors, or any cause beyond the Company's reasonable control.

7.3 Exclusion of Implied Warranty

(a) Except as expressly provided under Article 5, no warranty, whether express or implied, including but not limited to any implied warranty of durability, longevity, merchantability, fitness for purpose, or perpetual physical or spiritual integrity, shall apply to Tangible Products after delivery.

7.4 Energetic and Spiritual Disclaimer

(a) The User expressly acknowledges that any perceived spiritual, symbolic, metaphysical, or energetic attributes associated with Tangible Products are inherently subjective and personal in nature.

(b) The Company makes no representation, warranty, or guarantee that such attributes shall remain unchanged following usage, damage, alteration, handling by third parties, or the passage of time.

7.5 Goodwill Facilitation (Non-Obligatory)

(a) Notwithstanding the foregoing, the Company may, at its sole and absolute discretion, consider facilitating the re-creation, re-issuance, or re-blessing of a Tangible Product as a gesture of goodwill.

(b) Any such facilitation shall be subject to material availability, ritual requirements, applicable fees, and internal assessment, and shall not constitute a replacement, refund, extension of warranty, or continuation of the original transaction.

7.6 No Precedent and Non-Waiver

(a) Any goodwill facilitation granted under this Clause shall be made strictly on a case-by-case basis and shall not establish precedent, expectation, or entitlement for future claims.

(b) Failure by the Company to enforce any provision of this Agreement shall not be construed as a waiver of its rights.

Clause 8 | NO GUARANTEE OF OUTCOMES & NON-RELIANCE

8.1 No Guarantee of Outcomes

(a) The User expressly acknowledges that all services, consultations, spiritual interpretations, ritual facilitation, and related products provided by the Company are offered on an interpretative, symbolic, and advisory basis only.

(b) The Company does not guarantee, warrant, or represent any specific outcome, result, success, accuracy, effectiveness, or consequence arising from the use of its services or products.

8.2 No Reliance as Sole Basis for Decision-Making

(a) The User agrees that any information, insight, opinion, recommendation, or interpretation provided by the Company shall not be relied upon as the sole, primary, or determinative basis for making personal, financial, medical, legal, business, investment, relationship, or other significant life decisions.

(b) The User is strongly encouraged to seek independent professional advice where appropriate.

8.3 Personal Responsibility

(a) The User remains fully and solely responsible for all decisions, actions, and consequences arising from their reliance on, interpretation of, or use of the Company’s services or products.

(b) The Company expressly disclaims liability for outcomes arising from the User’s decisions, to the maximum extent permitted by law.

8.4 No Misrepresentation

(a) The User acknowledges that the Company does not present itself as providing guaranteed predictions, fixed outcomes, or absolute determinations of future events.

(b) Differences between the User’s expectations, beliefs, interpretations, or experiences and any perceived outcomes shall not, of themselves, constitute misrepresentation, deception, or breach by the Company.

Clause 9 | SERVICE SCOPE & LIMITATION OF INTERPRETATION

9.1 Defined Scope of Services

(a) The Company provides interpretative and advisory services which may include consultations, analyses, spiritual guidance, ritual facilitation, and informational content.

(b) The scope of any engagement shall be limited strictly to what is expressly stated at the time of purchase or engagement.

9.2 Limitation of Interpretation

(a) All interpretations, assessments, and recommendations are inherently contextual, time-sensitive, and dependent on the information provided by the User.

(b) The User acknowledges that interpretations may vary as circumstances evolve, and that no interpretation is exhaustive or definitive.

9.3 No Regulated Professional Advice

(a) The Company’s services do not constitute legal, medical, psychiatric, financial, investment, insurance, or other regulated professional advice.

(b) The User should obtain independent professional advice from qualified practitioners where appropriate.

9.4 User Cooperation and Information Quality

(a) The User is responsible for providing complete, accurate, and timely information.

(b) The Company shall not be responsible for misunderstandings, dissatisfaction, or outcomes arising from incomplete, inaccurate, or withheld information.

Clause 10 | SPIRITUAL SUBJECTIVITY & INDIVIDUAL VARIATION

10.1 Subjective Nature

(a) The User acknowledges that spiritual, metaphysical, symbolic, and energetic experiences are inherently subjective.

(b) Individual perceptions, beliefs, sensitivity, culture, and personal interpretation may materially influence how the User experiences or evaluates any service or product.

10.2 Individual Variation

(a) The Company does not warrant that two individuals will experience the same effects, perceptions, or outcomes from identical services or products.

(b) Differences in personal circumstances, mindset, and external factors may lead to differing experiences.

10.3 No Dispute Based Solely on Subjective Experience

(a) To the maximum extent permitted by law, the User agrees that subjective dissatisfaction, personal feelings, or spiritual perceptions alone shall not constitute evidence of breach, misrepresentation, or entitlement to replacement, refund, compensation, or other remedies against the Company.

Article 7

LICENCE RESTRICTIONS

LICENCE RESTRICTIONS

Clause 11 | INTELLECTUAL PROPERTY RIGHTS

11.1 The User expressly authorizes the Company to use its trademarks/copyrights/designs/logos and other intellectual property owned and/or licensed by it for the purpose of reproduction on the Platform and at such other places as the Company may deem necessary. It is expressly agreed and clarified that, except as specified agreed in this Agreement, each Party shall retain all right, title and interest in their respective trademarks and logos and that nothing contained in this Agreement, nor the use of the trademarks/logos in the publicity, advertising, promotional or other material in relation to the Services shall be construed as giving to any Party any right, title or interest of any nature whatsoever to any of the other Party's trademarks and/or logos.

11.2 The Company's Website and other Platforms, and the information and materials that it contains, are the property of the Company and its licensors, and are protected from unauthorized copying and dissemination by copyright law, trademark law, international conventions, and other intellectual property laws. All the Company's product names and logos are trademarks or registered trademarks. Nothing contained on the Company's Website should be interpreted as granting, by implication, estoppel, or otherwise, any license or right to use the Company's Website or any materials displayed on the Company's Website, through the use of framing or otherwise, except:

(a) as expressly permitted by these Terms and Conditions; or

(b) with the prior written consent of the Company.

(c) The User shall not attempt to override or circumvent any of the usage rules or restrictions on the Website.

11.3 Except as otherwise expressly granted to You in writing, We do not grant You any other express or implied right or license to the Services, Our Content or Our intellectual property rights.

11.4 Proprietary Rights. Subject to the limited rights expressly granted in this Agreement, the Company reserves all rights, title and interest in and to the Service, including all related intellectual property rights. No rights are granted to the User in this Agreement other than as expressly outlined in this Agreement.

Clause 12 | DATA

12.1 "Data" means any identifiable information about You or Your affiliates generated or collected by the Company, including but not limited to Your name, email addresses, phone numbers, and Service preferences. The Company will process all Data in compliance with the Personal Data Protection Act 2010 (PDPA).

12.2 The User represents, warrants, and covenants that it will not resell or otherwise disclose any Data to any third party, in whole or in part, for any purpose whatsoever.

12.3 The User acknowledges that the Services may contain information which is designated as confidential by the Company and that You shall not disclose such information without the Company's prior written consent.

12.4 By submitting Content (e.g., reviews or feedback), You grant Us a nonexclusive, royalty-free right to use such Content solely for providing and promoting Our Services, subject to Our Privacy Policy.

12.5 We may obtain business addresses, phone numbers, and other contact information from third- party vendors who obtain their Data from public sources. We have no control over, and make no representation or endorsement regarding the accuracy, relevancy, copyright compliance, legality, completeness, timeliness or quality of any products, services, advertisements and other Content appearing in or linked to the Services.

Clause 13 | VOICE RECORDING OF PHONE COMMUNICATIONS FOR LEARNING PURPOSES

13.1 Purpose of Recording

LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") may record phone conversations between Our staff and customers for the purpose of training, quality assurance, and improving Our Services ("Learning Purposes"). This clause outlines the terms under which such recordings are conducted.

13.2 Consent to Recording

(a) By engaging in phone communications with LOUIS THAI staff, You acknowledge and consent to the recording of the conversation for Learning Purposes. Prior to the start of any recording, We will notify You verbally (e.g., through an automated message or a statement by Our staff) that the call may be recorded.

(b) If You do not wish for the call to be recorded, You may inform Our staff, and We will disable the recording for that specific call or offer alternative communication methods (e.g., email or in-person consultation).

13.3 Use of Recordings

(a) Voice recordings will be used solely for Learning Purposes, which include staff training, evaluating service quality, and enhancing customer experience.

(b) Recordings will not be used for any other purpose unless We obtain Your additional consent or as required by law.

(c) Recordings will not be shared with third parties except as necessary for Learning Purposes (e.g., with internal training teams) or as required by law.

13.4 Data Retention, Data Storage and Data Security

(a) All recordings are stored securely using 256-bit encryption in compliance with the Personal Data Protection Act 2010 (PDPA).

(b) Recordings are retained for a maximum of six (6) months and automatically deleted thereafter, unless required by law or for ongoing dispute resolution.

(c) All voice recordings will be stored securely in compliance with the Personal Data Protection Act 2010 (PDPA) to prevent unauthorized access, disclosure, or loss.

(d) Recordings will be retained only for as long as necessary to fulfill the Learning Purposes, after which they will be securely deleted. Typically, recordings will be retained for a maximum period of 6 months, unless a longer retention period is required by law or for specific training needs.

13.5 Revocation of Consent

(a) You may revoke Your consent to call recordings at any time by submitting a written request to support@louisthai.com.

(b) Upon receipt, the Company will cease recording future calls and delete any existing recordings of You, subject to legal retention obligations.

13.6 Your Rights

Under the PDPA, You have the right to:

(a) Request access to any recordings of Your phone conversations held by LOUIS THAI.

(b) Request correction or deletion of the recordings if they contain inaccuracies.

(c) Withdraw Your consent for future recordings by notifying Us in writing (though this will not affect recordings already made with Your prior consent). To exercise these rights, please contact Us.

13.7 Transparency and Notification

(a) We will notify You at the beginning of each phone call if the conversation may be recorded, giving You the opportunity to opt out.

(b) If You choose to opt out, You may still proceed with the call without being recorded, or You may select an alternative communication method offered by LOUIS THAI.

13.8 Limitation of Liability

(a) LOUIS THAI shall not be liable for any damages arising from the lawful recording, storage, or use of phone conversations in accordance with this clause, except in cases of gross negligence or willful misconduct.

13.9 Compliance with Law

(a) All voice recordings will be conducted in compliance with the Personal Data Protection Act 2010 (PDPA) and other applicable laws in Malaysia.

(b) In the event of a conflict between this clause and any legal requirement, the latter shall prevail, and LOUIS THAI will adjust its practices accordingly.

Clause 14 | LIMITATION ON USE OF SERVICES FOR SPECIFIC PURPOSES

14.1 Purpose

LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") provides fortune-telling, ritual, and related services for personal guidance, self-reflection, and spiritual purposes only. This clause outlines restrictions on how You may use Our Services to ensure ethical and lawful engagement.

14.2 Prohibited Uses

You agree not to use Our Services, including but not limited to fortune-telling consultations, rituals, or products, for:

(a) Unlawful purposes, including but not limited to fraud, coercion, or activities prohibited under Malaysian law.

(b) Harmful or unethical intentions, such as attempting to manipulate or harm others, whether physically, emotionally, or financially.

(c) Commercial exploitation without Our prior written consent, such as reselling Our Services or using Our advice for profit-driven schemes.

14.3 Consequences of Misuse

(a) If We determine, in Our sole discretion, that You have misused Our Services, We reserve the right to terminate Your access to Our Services immediately without refund and ban You from future engagement.

(b) You shall indemnify LOUIS THAI against any claims, losses, or damages arising from Your misuse of Our Services.

(c) We may report any illegal activities to the relevant authorities in accordance with Malaysian law.

14.4 Acknowledgement

By engaging with Our Services, You acknowledge that they are provided for personal and lawful purposes only and that LOUIS THAI does not endorse or support any misuse as described in this clause.

Article 8

LIMITATIONS OF LIABILITY

LIMITATIONS OF LIABILITY

Clause 15 | RELATIONSHIP

15.1 Nothing in this Agreement will be construed as creating a relationship of partnership, joint venture, agency, or employment between the Parties. The Company shall not be responsible for the acts or omissions of the User, and the User shall not represent the Company, neither does it have any power or authority to speak for, represent, bind, or assume any obligation on behalf of the Company.

Clause 16 | INDEMNITY

16.1 The User indemnifies and shall hold indemnified the Company, its partners, officers, employees, representatives, and agents from and against all losses, damages, claims, suits, legal proceedings and otherwise howsoever arising from or in connection with any claim, including but not limited to claims for any infringement of any intellectual property rights or any other rights of any third party or of law, concerning quality, quantity and any claim in relation to the User's products, the breach of any of the User's warranties, representations or undertakings or in relation to the non-fulfillment of any of its obligations under this Agreement or Terms of use of Company's Website or any obligations arising out of the User infringing any applicable laws, regulations including but not limited to intellectual property rights, or taxes, etc. This clause shall survive the termination or expiration of this Agreement.

Clause 17 | EXPRESS RELEASE

17.1 You expressly hereby release and waive all claims against the Company, and its subsidiaries, affiliates, officers, agents, licensors, co-branders or other partners, and employees from any and all liability for claims, damages (actual and/or consequential), costs and expenses (including litigation costs and attorneys' fees) of every kind and nature, arising from or in any way related to Your use of the Company's Website.

17.2 You understand that any fact relating to any matter covered by this release may be found to be other than now believed to be true and You accept and assume the risk of such possible differences in fact. In addition, You expressly waive and relinquish any and all rights and benefits which You may have under any other state or federal statute or common law principle of similar effect, to the fullest extent permitted by law.

Clause 18 | LIMITATION OF LIABILITY

18.1 It is expressly agreed by the User that the Company shall under no circumstances be liable or responsible for any loss, injury or damage to the User or any other Party whomsoever, arising on account of any transaction under this Agreement.

18.2 The User agrees and acknowledges that it shall be solely liable for any claims, damages, or allegations arising out of the Services through the Platform and shall hold the Company harmless and indemnified against all such claims and damages.

18.3 Further, the Company shall not be liable for any claims or damages arising out of any negligence, misconduct, or misrepresentation by the User or any of its representatives.

18.4 The Company under no circumstances shall be liable to the User for loss and/or anticipated loss of profits, or for any direct or indirect, incidental, consequential, special or exemplary damages arising from the subject matter of this Agreement, regardless of the type of claim and even if the User has been advised of the possibility of such damages, such as, but not limited to loss of revenue or anticipated profits or loss of business, unless such loss or damages is proven by the User to have been deliberately caused by the Company.

Article 9

DISPUTE SETTLEMENT

DISPUTE SETTLEMENT

Clause 19 | TERMINATION

19.1 This Agreement may be terminated by the Company if the User commits a material breach of any representation, obligation, covenant, Warranty or term of this Agreement and the same is not cured within thirty (30) days after written notice given by the Company, if a petition for insolvency is filed against the User or if the User is in infringement of third-party rights, including intellectual property rights.

19.2 This Agreement may be terminated without reason by either Party after serving upon the other a written notice of thirty (30) days. The Agreement shall stand terminated after expiry of such period.

Clause 20 | EFFECTS OF TERMINATION

20.1 In the event of termination/expiry of this Agreement, the Company shall remove and shall discontinue the Services provided to the User on its Platform with immediate effect.

20.2 The Company shall not be liable for any loss or damages (direct, indirect or inconsequential) incurred by the User by virtue of termination of this Agreement.

20.3 During the period under notice, both the Parties shall be bound to perform their obligations incurred under this Agreement, and this sub-clause shall survive the termination of this Agreement.

Clause 21 | GOVERNING LAW AND DISPUTE RESOLUTION

21.1 This Agreement shall be construed and enforced in accordance with the laws of Malaysia without regard to the Company or the Website of its conflict of law provisions or the User's state or country of residence.

21.2 The User submits to the exclusive jurisdiction of the courts of Malaysia for the enforcement of this Agreement or any arbitration award or decision arising from this Agreement.

21.3 If there is a dispute between the User and other Users, the User understands and agrees that the Company is under no obligation with respect thereto, and the User, to the fullest extent permitted by law.

21.4 hereby releases the Company and its affiliates, and each of their respective officers, directors, employees, service providers, affiliates, agents, and successors from, and agrees to indemnify each of the foregoing for any losses incurred in connection with any and all claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such disputes.

21.5 The User agrees that in case it is unable to resolve its disputes with other Users, then the Company has the right to remove the User from the Website and terminate this Agreement.

Clause 22 | DISCLAIMER

22.1 To the fullest extent permitted by law, the Company and its affiliates, and each of its respective officers, directors, members, employees, and agents disclaim all warranties, express or implied, in connection with this Agreement, the Website and any use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose and non- infringement. The Company makes no warranties or representations about the accuracy or completeness of the Website's Content or the Content of any other Websites linked to the Website, and assumes no liability or responsibility for any;

(a) errors, mistakes, or inaccuracies of Content and materials;

(b) personal injury or property damage, of any nature whatsoever, resulting from the User's access to and use of the Website;

(c) any unauthorized access to or use of the Company's servers and/or any and all personal information and/or financial information stored therein;

(d) any interruption or cessation of transmission to or from the Website,;

(e) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the Website by any third party, and/or;

(f) any errors or omissions in any Content and materials or for any loss or damage of any kind incurred as a result of the use of any Content posted, transmitted, or otherwise made available via the Website. The Company does not guarantee the privacy, security or authenticity of any information so transmitted over or stored in any system connected to the internet or mobile devices.

Clause 23 | SEVERABILITY

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect to the fullest extent permitted by law. The parties shall replace the invalid provision with a valid one that achieves the same or substantially similar economic effect, in compliance with the Contracts Act 1950 and Consumer Protection Act 1999.

Article 10

THE CONFIDENTIALITY OF CERTAIN INFORMATION

THE CONFIDENTIALITY OF CERTAIN INFORMATION

Clause 24 | NOTICES

24.1 Except as explicitly stated otherwise, any notices given to the Company shall be given by email to louisthai.services@gmail.com or the Company's address.

(a) Any notices given to the User shall be to the email address provided by the User to the Company at the time of listing (or as such information may be updated via the Website by the User from time to time) or at the mailing address provided by the User to the Company.

24.2 Any notice, demand, or request with respect to this Agreement shall be in writing and shall be effective only if it is delivered by email, personal service, by air courier with receipt of delivery, or mailed, certified mail, return receipt requested, postage prepaid, to the address set forth above.

(a) Such communications shall be effective when they are received by the addressee, but if sent by certified mail in the manner set forth above, they shall be effective five (5) days after being deposited in the mail.

(b) Any Party may change its address for such communications by giving notice to the other Party in conformity with this section.

Clause 25 | AMENDMENT

25.1 The Company may at any time at its sole discretion modify this Agreement from time to time, and any such changes will;

(a) be reflected on the Website,

(b) be effective thirty (30) calendar days after being so posted on the Website,

(c) not apply retroactively, and ;

(d) not apply to any disputes arising prior to the effective date of such change.

(e) The Company shall also post the amended Agreement to the address of the User. The User agrees to be bound to any such changes and understands the importance of regularly reviewing this Agreement as updated on the Website to keep the User's listing and contact information current.

25.2 Notwithstanding anything to the contrary herein, the Company reserves the right to, at any time and from time to time, change, alter, modify, or discontinue the Website (or any part thereof) with or without notice.

25.3 The User agrees that the Company shall have no liability to the User or to any third party for any change, alteration, modification, suspension, discontinuance, or amendment of the Company's Website.

Clause 26 | MODIFICATION OF SERVICES OR PRODUCTS

26.1 Purpose

(a) LOUIS THAI reserves the right to modify, suspend, or discontinue any Services or Products offered through Our Website, social media, or other channels to adapt to operational, legal, or market conditions. This clause outlines Your rights and Our obligations regarding such changes.

26.2 Scope of Modifications

Modifications may include, but are not limited to:

(a) Changes to the format, duration, or delivery method of fortune-telling consultations, rituals, or blessings.

(b) Alterations to product specifications, such as materials, design, or availability of talismans or wholesale goods.

(c) Suspension or discontinuation of specific Services or Products due to unforeseen circumstances, such as supply chain issues or regulatory requirements.

26.3 Notification

(a) We will notify You of material changes to Services or Products via email, WhatsApp, or Our Website (https://louisthai.com) at least 7 days in advance, where feasible.

(b) For non-material changes (e.g., minor scheduling adjustments), We may implement changes without prior notice but will inform You during Your next interaction with Our Services.

26.4 Client Options

(a) If a modification significantly affects a Service or Product You have purchased, You may request a refund or alternative Service within 7 days of notification, subject to Our refund policy (Clause 25).

(b) Refunds or alternatives are not available if You have already received or used the Service or Product prior to the modification.

26.5 Limitation of Liability

LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from lawful modifications made in accordance with this clause, except as required by the Consumer Protection Act 1999 or other applicable Malaysian laws.

Clause 27 | FORCE MAJEURE

27.1 Except with regard to payment obligations, either Party shall be excused from delays in performing or from failing to perform its obligations under this contract to the extent the delays or failures resulting from causes beyond the reasonable control of the Party, including, but not limited to:

(a) failures or default of third-party software, Users, or products;

(b) acts of God or of a public enemy;

(c) foreign governmental actions;

(d) strikes;

(e) communications,

(f) network connection, or

(g) utility interruption or failure;

(h) fire; flood; epidemic; or

(i) freight embargoes.

Clause 28 | FORCE MAJEURE FOR SERVICE DELAYS

28.1 Purpose

a. LOUIS THAI may be unable to deliver Services or Products on schedule due to events beyond Our reasonable control. This clause outlines Our rights and Your options in such circumstances, supplementing Clause 22: Force Majeure.

28.2 Force Majeure Events

       Force majeure events include, but are not limited to:

a. Natural disasters (e.g., floods, earthquakes).

b. Government actions or restrictions (e.g., movement control orders, temple closures).

c. Public health emergencies (e.g., pandemics).

d. Unavoidable operational disruptions (e.g., failure of critical suppliers, utility outages).

e. Acts of third parties beyond Our control (e.g., cyber-attacks affecting Our booking systems).

28.3 Impact on Services

a. If a force majeure event prevents or delays the delivery of a Service (e.g., a ritual or consultation), We will notify You as soon as practicable via email, WhatsApp, or Our Website.

b. We may reschedule the Service to the earliest feasible date or offer an alternative Service of equivalent value, at Our discretion.

c. If rescheduling or alternatives are not possible within 30 days, You may request a refund, subject to Our refund policy (Clause 25).

28.4 Impact on Products

a. For delays in delivering Products (e.g., talismans or wholesale goods) due to force majeure, We will notify You and provide an estimated delivery timeline.

b. You may cancel Your order and request a refund if the delay exceeds 30 days, subject to Clause 25.

28.5 Limitation of Liability

28.5.1 LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from delays or cancellations caused by force majeure events, except as required by the Consumer Protection Act 1999 or other applicable Malaysian law

Clause 29 | WAIVER

No failure or delay by the Company to exercise any right, power, or remedy under these Terms and Conditions shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power, or remedy preclude any other or further exercise thereof or the exercise of any other right, power, or remedy. Any waiver must be in writing and signed by the waiving party to be effective, in accordance with the Contracts Act 1950.

CUSTOMER LOYALTY AND REWARDS PROGRAM

Clause 30 | LOYALTY PROGRAM ENROLLMENT

30.1 Purpose

a. Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") offers a voluntary Customer Loyalty Program ("Program") to reward frequent Users of our Services and Products. Enrolment is open to all Users aged 18 or above who have completed at least one transaction via the Platform.

30.2 Enrolment Process

a. Users may enrol by registering on the Website (https://louisthai.com/loyalty) or contacting support@louisthai.com.

b. Upon enrolment, Users will receive a unique Loyalty ID and initial points equivalent to RM 10.00 based on their first purchase value.

c. Users must provide accurate personal information, which will be processed in compliance with the Personal Data Protection Act 2010 (PDPA).

30.3 Eligibility

a. Employees, Board of Directors, and their immediate family members are excluded from the Program.

b. Participation is subject to these Terms and may be terminated if misused (e.g., fraudulent point accumulation).

30.4 Legal Compliance

a. The Program adheres to the Consumer Protection Act 1999 and other applicable Malaysian laws to ensure fair treatment of participants.

Clause 31 | EARNING AND REDEEMING REWARDS

31.1 Earning Points

a. Users earn 1 Loyalty Point for every RM 5.00 spent on eligible Services (e.g., fortune-telling, rituals under MSIC 96092) or Products (e.g., talismans under MSIC 46909).

b. Bonus points may be awarded during promotional events, at the Company's discretion.

31.2 Redeeming Rewards

a. 100 Loyalty Points may be redeemed for a RM 10.00 discount on future purchases, subject to availability.

b. Redemption is limited to one transaction per month and cannot be combined with other discounts or FOC offers (Clause 35).

31.3 Expiration and Forfeiture

a. Points expire 12 months from the date earned unless redeemed.

b. Points are forfeited upon termination of the Program or the User's account due to breach of these Terms.

31.4 Limitation of Liability

a. LOUIS THAI shall not be liable for any loss of points due to technical errors or User negligence, except in cases of gross misconduct, as governed by the Consumer Protection Act 1999.

Clause 32 | PROGRAM TERMINATION AND MODIFICATIONS

32.1 Termination by User

a. Users may terminate their Program participation by submitting a written request to support@louisthai.com. Unredeemed points will be forfeited upon termination.

32.2 Termination or Modification by Company

a. LOUIS THAI reserves the right to modify, suspend, or terminate the Program with 30 days' prior notice via the Website or email, in compliance with the Consumer Protection Act 1999.

b. Modifications may include changes to point earning rates or redemption values, and Users will be notified of material changes.

32.3 Transition of Points

a. Upon Program termination, Users may redeem existing points within 60 days of the announcement, subject to availability of Services or Products.

32.4 Dispute Resolution

a. Any disputes related to the Program shall be resolved under Clause 45 (Applicable Law and Conflict Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per the Arbitration Act 2005.

Article 11

ZERO TOLERANCE

ZERO TOLERANCE

Clause 33 | ZERO TOLERANCE POLICY

33.1 Purpose

a. LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") is committed to maintaining a safe, respectful, and professional environment for all clients, staff, and stakeholders.

b. This Zero Tolerance Policy outlines behaviours that are strictly prohibited when engaging with Our Services, Website, or staff.

c. Violations of this policy will result in immediate consequences, including but not limited to termination of Services, refusal of access, and legal action where applicable.

33.1.1.

Prohibited Behaviours

You agree not to engage in any of the following behaviours when interacting with LOUIS THAI, Our staff, or Our Platforms (including the Website, social media, WhatsApp, or other communication channels):

33.1.2.

Harassment and Abuse

Any form of harassment, intimidation, or abusive behaviour toward Our staff, other clients, or third parties, including verbal, written, or physical threats, offensive language, or discriminatory remarks based on race, religion, gender, or other protected characteristics.

33.1.3.

Fraud and Misrepresentation

Providing false or misleading information, engaging in fraudulent transactions, or attempting to deceive LOUIS THAI for financial or personal gain (e.g., submitting fake payment receipts or misrepresenting eligibility for Services).

33.1.4.

Misuse of Services

Using Our Services, including fortune-telling, rituals, or products, for unlawful, unethical, or unauthorized purposes, such as attempting to harm others or exploiting Our Services for personal agendas not aligned with their intended purpose.

33.1.5.

Unauthorized Access or Interference

Attempting to access Our systems, Website, or confidential information without authorization, including hacking, phishing, or distributing malicious software (e.g., viruses, trojan horses).

33.1.6.

Defamation and False Statements:

Spreading false, defamatory, or damaging statements about LOUIS THAI, Our staff, or Our Services, whether on social media, public forums, or private communications.

33.1.7.

Non-Compliance with Terms

Deliberately violating any provisions of these Terms and Conditions, including payment obligations, intellectual property restrictions, or data protection requirements.

33.1.8.

Disruptive Conduct

Engaging in behaviour that disrupts Our operations, such as sending excessive or repetitive communications (e.g., spamming WhatsApp or email) or refusing to follow staff instructions during Service delivery.

33.2 Consequences of Violations

LOUIS THAI reserves the right to take immediate action upon confirming a violation of this Zero Tolerance Policy, including but not limited to:

a. Termination of all Services without refund, regardless of prior payments.

b. Suspension or permanent banning from Our Website, social media platforms, and other communication channels.

c. Reporting the violation to relevant authorities if it involves illegal activities (e.g., fraud, threats, or cybercrimes).

d. Pursuing legal remedies, including claims for damages or injunctive relief, to protect Our rights and reputation.

e. Decisions regarding violations are at LOUIS THAI's sole discretion and are final and conclusive. You will be notified of any action taken, where feasible, via the contact details provided to Us.

33.3 Reporting Violations

a. If You witness or experience any prohibited behaviour, You may report it to Us at Insert Contact Email: e.g., support@louisthai.com or through Our Website at https://louisthai.com/contact/.

b. Reports should include relevant details, such as the date, time, nature of the violation, and any supporting evidence (e.g., screenshots or recordings).

c. LOUIS THAI will investigate all reports promptly and confidentially, ensuring no retaliation against good-faith reporters.

33.4 Client Acknowledgment

       By accessing or using Our Services, You acknowledge that:

a. You have read and understood this Zero Tolerance Policy.

b. You agree to comply with its provisions and accept the consequences of any violations.

c. LOUIS THAI's commitment to zero tolerance protects the integrity of Our Services and ensures a positive experience for all clients.

33.5 Compliance with Law

a. This Zero Tolerance Policy is enforced in accordance with Malaysian laws, including but not limited to the Consumer Protection Act 1999, Personal Data Protection Act 2010 (PDPA), and Communications and Multimedia Act 1998.

b. If any provision of this clause conflicts with applicable law, the latter shall prevail, and LOUIS THAI will adjust its practices accordingly.

Clause 34 | ASSIGNMENT AND DELEGATION

You may not assign, transfer, delegate, or subcontract any rights, obligations, or duties under these Terms and Conditions without the prior written consent of the Company. The Company may assign, transfer, or subcontract its rights and obligations at its sole discretion, including in connection with a merger, acquisition, or sale of assets, provided such assignment does not materially diminish Your rights under the Consumer Protection Act 1999. Any unauthorized assignment by You shall be null and void.

Clause 35 | SURVIVAL

Upon termination or expiration of these Terms and Conditions, the following clauses shall survive and continue to bind the parties: Clauses 6 (Intellectual Property Rights), 7 (Data), 10 (Limitations of Liability), 12 (Confidentiality), 23 (Default and Enforcement), 24 (Zero Tolerance Policy), 26 (Governing Law and Dispute Resolution), and any other provisions that by their nature should survive, including indemnity obligations and accrued rights under the Contracts Act 1950.

Article 12

CONFLICT OF INTEREST

CONFLICT OF INTEREST

Clause 36 | CONFLICT OF INTEREST

36.1 A conflict of interest define as an employee's personal interests, external relationships, or other non-company interests may affect their objectivity, impartiality, or integrity in performing their duties, leading to potential harm to the Company's interests or client rights.

36.1.1 Common Conflict of Interest Situations

Conflicts of interest may arise in, but are not limited to, the following situations:

36.1.1 Financial Conflicts of Interest

36.1.1.1 The employee or their immediate family has financial interests (e.g., shares, partnership investments, loans) in a client's or supplier's company.

36.1.1.2 The employee uses their position to secure improper financial benefits for themselves or a third party, such as accepting bribes, commissions, or kickbacks.

36.1.2 Business Transactions Conflicts

36.1.2.1 The employee establishes personal business dealings with clients or suppliers without approval, such as providing consulting services, selling products, or forming investment partnerships.

36.1.2.2 The employee provides additional paid or free services to clients that overlap or compete with the Company's business without authorization.

36.1.3 Personal Relationship Conflicts

36.1.3.1 The employee has close personal relationships (e.g., family, romantic) with a client, supplier, or business partner and has not disclosed this, which could impact business decisions.

36.1.3.2 The employee grants unfair advantages or special privileges to a client or supplier due to personal relationships.

36.1.4 External Employment Conflicts

36.1.4.1 The employee works part-time, consults, or holds positions such as a director or advisor at a client's, supplier's, or competitor's company without approval.

36.1.4.2 The employee misuses Company resources (e.g., customer data, business intelligence) for personal or external business gain.

36.1.5 Gifts and Hospitality Conflicts

36.1.5.1 The employee accepts high-value gifts, hospitality, travel, entertainment, or other undue benefits from clients or suppliers that could affect their impartiality.

36.2 Requirements

36.2.1 Mandatory Disclosure and Transparency

36.2.1.1 All employees must submit a Conflict of Interest Disclosure Form at the time of hiring and annually. Any new conflicts of interest must be reported to the Compliance Department within five (5) working days.

36.2.1.2 If an employee is unsure whether a situation constitutes a conflict of interest, they must seek guidance from their superior or the Compliance Department.

36.2.1.3 Senior management and directors must disclose any conflicts of interest that could impact decision-making at annual meetings or shareholder meetings.

36.2.2 Strictly Prohibited Conduct

36.2.2.1 Employees are strictly prohibited from accepting cash, commissions, kickbacks, or high-value gifts from clients or suppliers (gifts exceeding RM200 must be declared).

36.2.2.2 Employees are prohibited from engaging in unauthorized external employment, business partnerships, or investments, especially with Company clients, suppliers, or competitors.

36.2.2.3 Employees must not provide paid or free services to clients that are related to the Company's business without proper authorization, including but not limited to feng shui consultation, divination, predictions, and investment advice.

36.2.2.4 Employees must not use their position to obtain unfair advantages for themselves or their family members, such as prioritizing certain clients or obtaining special discounts.

36.3 External Employment and Business Interests

36.3.1 Employees must not work part-time, invest in, or act as consultants, directors, or advisors for clients, competitors, or suppliers without written approval.

36.3.2 Employees who wish to engage in external employment or business activities must submit a written application and obtain approval from the Compliance Department and management.

36.3.2.1 Gifts and Hospitality Management

36.3.2.1.1. Employees must not accept gifts, hospitality, or other personal benefits exceeding RM200 from clients or suppliers without declaration and approval.

36.3.2.1.2. If an employee is invited to attend events, banquets, or entertainment funded by a client, they must obtain prior approval from their superior.

36.3.2.2 Confidential Information Protection

36.3.2.2.1. Employees must not use confidential company information, client data, or other sensitive materials for personal gain or third-party advantage.

36.3.2.2.2. Even after termination of employment, employees are required to uphold confidentiality obligations and must not disclose client information or company data to competitors or use it for personal business purposes.

36.3.2.3 Violation & Enforcement

36.4 Violation Investigation Procedures

If an employee is suspected of having a conflict of interest, the Company will take the following steps:

36.4.1 Preliminary Review; The Compliance Department will assess the report or disclosure.

36.4.2 Formal Investigation; If evidence supports the claim, an investigation committee will be formed to conduct a thorough inquiry.

36.4.3 Hearing and Defence; The employee has the right to provide explanations and supporting evidence.

36.4.4 Decision and Execution; The Company's management will determine and impose appropriate disciplinary actions.

36.5 Disciplinary Actions

       Employees who violate this policy will face the following disciplinary actions:

36.5.1.1 Written Warning (for minor violations, such as failure to disclose a conflict of interest for the first time).

36.5.1.2 Demotion or Suspension (for serious violations, such as unauthorized external employment or accepting kickbacks).

36.5.1.3 Immediate Termination (for major violations, such as leaking confidential client information or abusing power for personal gain).

36.5.1.4 Legal Action (for criminal offenses, including fraud, bribery, or disclosure of trade secrets).

36.6 Whistleblower Mechanism

36.6.1 The Company has established a Conflict of Interest Reporting Hotline, allowing employees to anonymously report violations.

36.6.2 Any malicious or false accusations will be subject to disciplinary action.

36.6.3 The Company guarantees protection against retaliation for employees who report in good faith.

36.7 Monitoring & Compliance

36.7.1 This policy is overseen by the Compliance & Ethics Committee, which conducts regular reviews and updates.

36.7.2 All new employees must undergo Conflict of Interest Policy training and sign an acknowledgment form.

36.7.3 Senior management is required to conduct quarterly self-assessments and report any conflicts of interest to the Board of Directors.

Article 13

ORDERING AND DELIVERY

ORDERING AND DELIVERY

Clause 37 | OFFER AND ACCEPTANCE OF THE SERVICE

37.1 The displays made on all the Company's platform shall be treated as an invitation to treat. This includes all photos, videos, wordings, statements, price, and etc.

37.2 By accepting this Terms and Conditions, it shall be treated as an offer from You. The Company shall then accept such offer by issuing You an invoice. All consideration shall be made in full.

37.3 For services that requires booking, the Company has the final right to accept or refuse the booking request subject to the following reasons:

37.3.1 Overbooking;

37.3.2 Limited products or services provided;

37.3.3 Lack of professional staffs;

37.3.4 Found out that You are our business competitors;

37.3.5 Suspended business competitor; and

37.3.6 Blacklisted client

37.3.7 You shall receive full refunds for any payments made for the above purposes if it is cancelled by the Company.

37.4 For the avoidance of doubt, by accepting this Terms and Conditions, it merely meant that the Company has acknowledge and received the booking. The final Acceptance shall be executed by the Company by issuing You an invoice.

Clause 38 | DELAY

38.1 In the event of 48 hours (2 days) delay in performing the rituals and blessings from the date of the designated date, the User is entitled submit a written request to cancel the said services.

38.2 In the event of 12 hours delay in performing the fortune reading consultation service from the date of the designated time, the User is entitled get fully refund or reschedule a new time slot with us without refund.

38.3 Refunds will be made to the User within a reasonable number of 72 hours (3 working days) by the same method the payment was made.

38.4 Alternatively, the User is entitled for a replacement of the service or goods of the same amount paid. In the event the price of the replacement is higher, the User shall top up the difference.

Clause 39 | EXCLUSIVE REFUND

39.1 Eligibility for Refund

39.1.1 Refunds are only applicable in the event that the service has not commenced, or if the goods have not been shipped.

39.1.2 No refund will be processed once the service has started or the goods have been dispatched.

39.1.3 All refunds will be made via cheque, subject to a processing and management fee of RM 1.00. This fee shall be deducted from the total refund amount.

39.2 Refund Processing Time

39.2.1 The approval process for refunds will take approximately 72 hours (3 working days) from the date of the refund request. Refunds for goods and services will only be processed to a Malaysian bank account. It is the responsibility of the customer to provide accurate banking details for the refund transaction.

39.2.2 Refund for Customers Outside Malaysia

For customers residing outside of Malaysia, refunds will be processed via a third-party transaction service. The customer shall bear all processing fees, currency conversion charges, and any other applicable fees associated with the refund process. The company shall not be responsible for any additional costs incurred by the customer due to the third-party service or international currency exchange.

39.2.3 Non-Refundable Items

       The following items are not eligible for refund:
       i. Services that have already commenced.
       ii. Goods that have been shipped or delivered to the customer.
       iii. Customized or personalized products.

iv. Digital products, including downloadable content, reports, and any other intangible goods, once the purchase has been confirmed.

39.2.4 Refund Method and Limitations

39.2.4.1 Refunds will be made via cheque for customers within Malaysia.

39.2.4.2 Refunds for international customers will be processed via third-party services as outlined in Clause 34.(1.) (1.)(2.)(3.) Refunds will only be processed to the account or payment method used for the original transaction. The company reserves the right to refuse any refund requests that do not meet the stipulated conditions or that are deemed unreasonable.

39.3 General Terms

39.3.1 Refund Request Order

39.3.1.1 All refund requests must be submitted within [Insert number of days] days from the date of purchase or service order.

39.3.1.2 The company reserves the right to modify or amend this refund policy at any time without prior notice, and all customers will be bound by the most current version of the refund policy as published.

39.3.2 Refunds Due to Service Inability

39.3.2.1 In the event that LOUIS THAI International Group Sdn Bhd is unable to provide the contracted service, or if the service provided does not meet the standards or terms outlined in the service agreement, the customer is entitled to a full or partial refund, based on the circumstances. This will be determined by the company in accordance with the contractual agreement and the nature of the failure.

39.3.3 Partial Refunds for Returned Goods

39.3.3.1 For goods returned under acceptable conditions (i.e., defective, damaged, or incorrect goods), a partial refund may be issued in the event that the product cannot be replaced.

39.3.3.2 This partial refund will be based on the extent of damage, defect, or non-compliance with the agreed specifications.

39.3.4 Refund Dispute Resolution

39.3.4.1 In cases where a refund request is disputed by either party, the company will engage in a formal review process.

39.3.4.2 This will involve an internal investigation and, if necessary, third-party arbitration.

39.3.4.3 Any disputes not resolved through this process will be subject to Malaysian law and the jurisdiction of the relevant courts in Malaysia.

39.3.5 Customer Responsibilities

39.3.5.1 Customers are required to provide all necessary documentation to substantiate a refund request, including, but not limited to, proof of purchase, service confirmation, and photographic evidence (if applicable) of damaged or defective goods.

39.3.5.2 Failure to provide adequate supporting documentation may result in the rejection of the refund request.

39.3.5.3 The company reserves the right to charge administrative fees if excessive documentation or time is required to process a refund request.

39.3.6 Incorporation of Company's Meeting Regulations

39.3.6.1 This refund policy is governed by the meeting regulations and decisions made by the board of directors and other governing bodies of LOUIS THAI International Group Sdn Bhd.

39.3.6.2 Any amendments or decisions regarding refunds will be in alignment with the company's official meeting minutes and resolutions, which will be deemed authoritative and final in case of any discrepancies or disputes. The policies may be revised or updated during official meetings and will be communicated to all stakeholders in a timely manner.

39.3.7 Extraordinary Circumstances for Refund

39.3.7.1 In the event of extraordinary circumstances such as natural disasters, government regulations, or force majeure events that prevent the company from providing its services or delivering goods, refunds will be evaluated on a case-by-case basis.

39.3.7.2 The company may choose to offer an alternative solution, such as rescheduling the service or providing a credit voucher for future purchases. Refunds in such cases are subject to the discretion of the company and may be offered at a reduced amount to cover incurred costs.

39.3.8 Refunds for Subscription-Based Services

39.3.8.1 For subscription-based services, the refund request will only be applicable to the most recent payment made and will be prorated based on the unused portion of the service period.

39.3.8.2 Subscription services are non-refundable if the customer has already accessed or used the service during the subscription period.

39.3.9 Refund for Services Rendered in Error

39.3.9.1 If a service has been rendered incorrectly or in error by LOUIS THAI International Group Sdn Bhd, the company will review the situation and may offer a partial or full refund based on the severity of the error.

39.3.9.2 Customers must notify the company of such errors within 1 day (Fortune Services) from the service provision date. Error are included customer name, customer birthday, customer born timing before 6.00 am GMT+8 and after 6.00am GMT +8 only, such as example in Clause 34.(3.)(9.)(3.)

39.3.9.3 example; if Mr. A born at 5.50am, but Mr. A provided wrong information which is exactly born timing is 5.30am, in this case refund of fortune services are not entitle to approve on refund application, because 5.50am and 5.30am consider before 6.00am GMT+8 )

39.3.10 Refund Policy Updates

The company reserves the right to modify or amend this refund policy at its discretion. Any such updates will be published on the official website or communicated directly to customers. All refunds will be subject to the refund policy as stated at the time of the original purchase, unless otherwise specified. Customers are encouraged to review the policy regularly to stay informed of any changes.

39.3.11 Refund for Services Rendered in Error

39.3.11.1 If goods received are not as described, including errors in packaging, labeling, or specifications, customers may request a refund.

39.3.11.2 The refund will be processed once the goods are returned and verified by the company.

39.3.11.3 In such cases, the company will cover the return shipping costs.

39.3.12 Refunds for Damaged Goods During Shipping

39.3.12.1 In the event that goods are damaged during shipping, customers must notify the company within 14 days of receiving the damaged goods.

39.3.12.2 Photographic evidence of the damage must be provided.

39.3.12.3 A refund or replacement will be processed based on the evaluation of the returned goods.

39.3.13 Refunds for Goods Purchased in Error

39.3.13.1 If a customer accidentally purchases goods in error (such as the wrong size, color, or quantity), a refund may be granted if the product is returned unopened and unused, subject to the company's inspection.

39.3.13.2 A restocking fee may apply.

39.3.14 Refunds for Customer-Requested Cancellations

39.3.14.1 Refunds for cancellations requested by the customer will be processed based on the timing of the request.

39.3.14.2 If the cancellation request is made before the service has commenced or goods have been shipped, a full refund will be provided, minus any applicable processing fees.

39.3.14.3 Cancellations after this point may be subject to partial refunds or credit for future services.

39.3.15 Legal Compliance and Consumer Protection

39.3.15.1 All refund processes and policies will be carried out in compliance with Malaysian law, including but not limited to the Consumer Protection Act 1999 and other relevant legislation.

39.3.15.2 The company ensures that all customer rights are respected, and any refund policies will align with the applicable legal and regulatory requirements.

Clause 40 | FOC POLICY
40.1 In common parlance, the FOC is referred to as the "Free-Of-Charge"    and in publications often abbreviated as "FOC".

40.2 The FOC is applicable when we offer our products or services during critical events, and the client is not required to make any payments.

40.3 Clients may be subjected to charges other than FOC, such as AOS Charge (Advance Operating Service Charges, known as "AOS charges"), Professional Charge, Warranty Charge, Tariffs, Government Taxes, Administration and Management Processing Charges, and other applicable fees.

40.4 Clients under an FOC offer are not eligible for refunds as they have not incurred any costs for the services or products provided.

40.5 Provisioning Process

40.5.1 The authority to issue FOC or waive fees lies solely with the highest-ranking president of the Company.

40.5.2 FOC rewards commence on the same date and time they are provided to the Client by the Company.

40.5.3 FOC rewards are strictly non-transferable and cannot be split into separate invoices for use.

40.5.4 FOC amounts cannot be converted into LOUIS THAI Loyalty Program points, tokens, or USD (United States Dollar)

40.6 The applicability of FOC rewards

The applicability of FOC rewards to our Affiliate business divisions or Companies is subject to the decision of the highest-ranking president of the Company on the same day.

Clause 41 | FOC EXCLUSIVE

41.1 When LOUIS THAI company offers a lifetime free-of-charge (FOC) service to select customers, it's usually because those customers have done something of significant value for the company. Here are some common reasons why a company might make such an offer:

41.1.1 Early Adoption and Support

41.1.1.1 Beta Testers

a. Customers who participated in beta testing and provided valuable feedback, helping us improve our product or service before launch.

41.1.1.2 Founding Customers

a. Those who supported us during its early days, perhaps even before it was widely known or profitable.

41.1.1.3 Significant Referrals

a. Customers who have referred a large number of new clients or users, significantly contributing to the company's growth and revenue.

41.1.1.4 High-Profile Endorsements

a. Influential individuals or celebrities who have publicly endorsed the product or service, bringing substantial visibility and credibility to the brand.

41.1.1.5 Exceptional Brand Loyalty

a. Long-term customers who have shown extraordinary loyalty, often purchasing or using the LOUIS THAI company's products or services consistently over many years.

41.1.1.6 Valuable Feedback or Contributions

a. Customers who have provided critical insights, ideas, or feedback that have led to significant improvements or innovations in the company's offerings.

41.1.1.7 Crisis Management and Support

a. Customers who have supported the company during difficult times, such as financial difficulties or public relations crises, and have stood by the brand when others did not.

41.1.1.8 Special Circumstances or Relationships

a. Situations where the customer may have a personal relationship with key members of the LOUIS THAI company, or where there's a unique, strategic reason to keep that individual satisfied and loyal.

41.1.1.9 Legal or Contractual Reasons

a. In some cases, lifetime free services may be offered due to legal settlements, contractual obligations, or as part of an acquisition or merger deal.

41.1.1.10 Non-Profit or Philanthropic Reasons

a. For customers associated with non-profits or charitable organizations, or those who have made significant philanthropic contributions, companies may offer free services as a gesture of goodwill.

41.1.1.11 Public Relations and Marketing

a. As a strategic PR or marketing move, offering lifetime services to select customers can generate positive media coverage and enhance the company's reputation.

41.2 Those decisions are often made on a case-by-case basis and are part of a larger strategy to reward loyalty, encourage advocacy, or leverage strategic relationships.

41.3 In other way, the Company reserved the right as in if it is or becomes unlawful for any party to this Whole-Life Free-Of-Charge policies to perform any of its obligations under the Facility Documents, we may vary or recall the Offer without any written notice; unless Section of 32.3.(i)(ii)(iii)(iv);

i. we are required; or

ii. compelled under applicable law; or

iii. regulation; or

iv. vary

41.4 In which case we will give you notice of such shorter duration as expressly or implicitly required or permitted by such law or regulations.

Article 14

DEFAULT AND ENFORCEMENT OF SECURITY INTEREST

DEFAULT AND ENFORCEMENT OF SECURITY INTEREST

Clause 42 | TRADING ENFORCEABILITY INTEREST

42.1 Enforceability of Late Payment Interest Clause

42.1.1 The claim of interest from the legal notice (herein "the Agreement" or/and "the Sales Invoice") under the Company (herein "Louis Thai International Group Sdn Bhd").

42.1.1.1 Late payment invoice interest for the Company business under MSIC 96092 Astrology and Spiritual Activities entitled to claim the interest of 1.0% per month as stipulated in the invoices.

42.1.1.2 Late payment invoice interest for the Company business under MSIC 46909 Wholesale of a variety of goods without any particular specialization n.e.c. are entitled to claim the interest of 1.5% per month as stipulated in the invoices.

42.2 Above statement as clearly indicated in this invoice presenting to the consumer (buyer), which means the consumer had full knowledge of this interest was stated.

42.2.1 If there was no protest of the claim of interest at all when the invoices were presented to the consumer indicated the buyer (purchaser) are agreed with the formulated interest charging as in above written.

42.2.2 As a reasonable and prudent business deal parties, if the buyer was serious that the endorsement for interest payment at the amount biding at per month in the delivery orders and the invoices were arbitrary and not binding, buyer should have to protest and inform to the seller of purchaser's objection as expeditious as possible.

42.2.3 Buyer should be exercised its discretion and carefully noticed that interest rate stated on the invoice.

42.2.4 If a contract of sale of goods (known as "sales invoice") has provided for the interest, the seller can clearly claim for interest on the price of the goods from the purchaser.

42.3 Debt Recovery

42.3.1 In the event of non-payment, the Company may engage authorized debt recovery agencies to pursue overdue amounts, including accrued interest.

42.3.2 You shall be liable for reasonable recovery costs incurred by the Company, in addition to the overdue amount and interest.

42.4 Equitable Estoppel Doctrine

42.4.1 If the contract of sale of goods (knows as "sales invoice") purchaser is silent on the question of interest;

i. the seller cannot rely on the Equitable Estoppel Doctrine.

ii. Buyer cannot contend that they are entitled to interest as provided in the invoice, delivery order and/or statement of account which has not been objected by the purchaser.

42.4.2 The operation of the Equitable Estoppel Principle shall "follow" and be subject to Section 61(2)(a), (b) Sale of Goods Act 1957, Section 11 Civil Law Act 1956.

42.4.3 A seller of goods cannot be equated to a licensed financial institution under the Financial Services Act 2013 or a licensed moneylender under the Moneylenders Act 1951;

42.4.4 The Equitable Estoppel Principle (to allow the seller to claim interest at the exorbitant rate of 12% per annum) should not be applied to cause injustice and inequity.

Clause 43 | THE RIGHT OF THE SELLER AND BUYER

43.1 Seller shall be allowed to enforce the late payment interest Clause;

43.2 Based on the rate set out in the seller's documents without the need to prove the actual loss or damage to the other Parties;

43.3 As a matter of prudence, if the buyers are not agreeable to the late payment interest clause and/or its rate stated in the seller's documents, they ought to object to it expeditiously;

Clause 44 | CREDIT REPORTING AND CTOS SERVICES

44.1 Late Payment Interest

       The Company may claim interest on overdue invoices as follows:  

44.1.1 For services under MSIC 96092 (Astrology and Spiritual Activities), interest shall accrue at a rate of 1.0% per month, calculated on a simple interest basis.

44.1.2 For services under MSIC 46909 (Wholesale of Goods), interest shall accrue at a rate of 1.5% per month, calculated on a simple interest basis.

44.2 Notification and Agreement

The applicable interest rate shall be clearly stated in the invoice presented to You. By accepting the invoice without objection within seven (7) days, You agree to the specified interest rate.

44.3 Credit Reporting

In the event of default (defined as non-payment for 30 consecutive days after the invoice due date), the Company reserves the right to report Your overdue account to CTOS (Credit Tip-Off Service), a registered credit reporting agency under the Credit Reporting Agencies Act 2010. You will be notified in writing at least 14 days prior to such reporting.

44.4 CTOS Fees

The Company may add CTOS-related fees (e.g., monthly maintenance or reporting fees) to Your outstanding balance. These fees, which do not accrue interest, will be itemized in a revised invoice sent to You.

The current CTOS fee rate is RM [insert amount, e.g., 10.00] per month, subject to change based on CTOS's prevailing charges.

44.5 User Rights

Under the Personal Data Protection Act 2010 (PDPA), You may request access to or correction of Your data submitted to CTOS by contacting support@louisthai.com. The Company will process such requests within 21 days.

Clause 45 | ENFORCEMENT AND DEBT RECOVERY

45.1 Debt Recovery

In the event of non-payment, the Company may engage authorized debt recovery agencies to pursue overdue amounts, including accrued interest and CTOS fees. You shall be liable for reasonable recovery costs incurred by the Company, in addition to the overdue amount.

45.2 Equitable Estoppel

If the invoice is silent on interest or CTOS fees, the Company shall not claim such amounts under the Equitable Estoppel Doctrine, in accordance with Section 61(2) of the Sale of Goods Act 1957 and Section 11 of the Civil Law Act 1956.

45.3 Compliance

Interest rates, CTOS reporting, and recovery procedures shall comply with applicable Malaysian laws, including the Contracts Act 1950 and the Credit Reporting Agencies Act 2010. The Company shall not claim amounts deemed unconscionable by a court of law.

Article 15

USER CONDUCT AND INTERACTION

USER CONDUCT AND INTERACTION

Clause 46 | HEALTH DECLARATION FOR THAI TATTOO

46.1 For Thai tattoo services (in Thai pronunciation known as "Sak Yant") and Gold Needle (talisman product), the User shall declare the health condition and have agreed to assume such risks.

Clause 47 | SOCIAL MEDIA COMMUNITY

47.1 The Company's social media shall be a spam-free zone. Any User who contravenes these rules shall be banned from the Company's social media community.

47.2 No posts or comments that is discriminatory, overtly sexual, harassment contents, threatening comments, defamatory, obscene and offensive in nature shall be allowed.

47.3 The Company recommends open discussions to help solve the Users' issues. The Company welcomes positive and negative feedbacks and can be submitted to https://louisthai.com/contact/ or email us at support@louisthai.com

Clause 48 | DATA PROTECTION AND CROSS-BORDER DATA TRANSFER

48.1 Data Processing

"Data" refers to identifiable information collected by the Company, processed in accordance with the Personal Data Protection Act 2010 (PDPA). Users shall not resell or disclose Data without the Company's prior written consent.

48.2 Cross-Border Data Transfer

The Company may store or process Your Data on secure servers located outside Malaysia, provided such servers comply with PDPA standards or equivalent data protection laws. By using the Service, You consent to such cross-border data transfers.

48.3 Opt-Out Option

If You do not consent to cross-border data transfers, You may opt out by submitting a written request to support@louisthai.com. Upon receipt, the Company will restrict Your Data to servers within Malaysia, subject to operational feasibility. Note that opting out may limit access to certain Services.

48.4 User Rights

You may request access, correction, or deletion of Your Data under PDPA by contacting support@louisthai.com. The Company will process such requests within 21 days.

48.5 Confidentiality

Any confidential information submitted by You requires the Company's prior written consent for disclosure, except as required by law.

Clause 49 | FEEDBACK AND TESTIMONIALS

49.1 Purpose

LOUIS THAI values Your feedback and may request testimonials to improve Our Services and promote Our business. This clause governs the submission and use of Your feedback or testimonials.

49.2 Submission of Feedback

49.2.1 You may provide feedback about Our Services via Our Website (https://louisthai.com/contact/), email, WhatsApp, or other designated channels.

49.2.2 Feedback should be honest, respectful, and compliant with Our Zero Tolerance Policy (Clause 15).

49.2.3 We may contact You to clarify or verify Your feedback to ensure accuracy.

49.3 Use of Testimonials

49.3.1 By submitting feedback, You grant LOUIS THAI a non-exclusive, royalty-free, perpetual right to use, publish, and reproduce Your feedback as a testimonial for marketing purposes, including on Our Website, social media, or promotional materials.

49.3.2 We will anonymize Your feedback (e.g., using initials or a pseudonym) unless You provide explicit written consent to include Your name or other identifying details, in compliance with the Personal Data Protection Act 2010 (PDPA).

49.3.3 You may request the removal of Your testimonial at any time by contacting Us, and We will comply promptly, subject to PDPA requirements.

49.4 Client Rights

49.4.1 Submitting feedback is voluntary, and You are not obligated to provide testimonials.

49.4.2 You retain ownership of Your feedback but acknowledge Our right to use it as outlined in this clause.

49.4.3 Under the PDPA, You may request acAcess to or correction of Your feedback held by Us.

49.5 Limitation of Liability

LOUIS THAI shall not be liable for any inaccuracies in published testimonials, provided We act in good faith and correct errors promptly upon Your notification.

Clause 50 | APPLICABLE LAW AND CONFLICT RESOLUTION

50.1 Governing Law

This Agreement is governed by and construed in accordance with the laws of Malaysia

50.2 Jurisdiction

All disputes arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of Malaysia. By using the Service, international Users expressly agree to submit to the jurisdiction of Malaysian courts, regardless of their place of residence or domicile.

50.3 Mediation

Prior to initiating legal proceedings, the parties agree to attempt to resolve any dispute through good faith mediation. Either party may initiate mediation by sending a written request to the other party, and the mediation shall be conducted in Kuala Lumpur by a mutually agreed mediator within 30 days of the request. Mediation costs shall be shared equally unless otherwise agreed.

50.4 Arbitration

If mediation fails to resolve the dispute, the parties agree to submit the dispute to binding arbitration in Kuala Lumpur, conducted in accordance with the rules of the Asian International Arbitration Centre (AIAC, formerly KLRCA).

50.4.1 The arbitration shall be conducted in English by a single arbitrator appointed under AIAC rules (e.g., "in accordance with the Arbitration Act 2005 and AIAC rules") and the arbitral award shall be final and binding.

50.5 Costs

In arbitration, the losing party, as determined by the arbitrator's final award, shall bear all costs incurred by both the claimant and the respondent, including but not limited to legal fees, arbitrator fees, and administrative fees. In mediation, each party shall bear its own costs unless the mediator determines otherwise based on the outcome or conduct of the parties.

Clause 51 | CONFER

51.1 For any further clarification of Our Terms and Conditions, please write to Us at support@louisthai.com

51.2 If you desire to contact Louis Thai International Group (LTG) for any reason, you can submit an e-mail via support@louisthai.com

Article 16

GOVERNS THE TRANSITION OF EXISTING CUSTOMERS TO THE UPDATED TERMS AND CONDITIONS

GOVERNS THE TRANSITION OF EXISTING CUSTOMERS TO THE UPDATED TERMS AND CONDITIONS

Clause 52 | APPLICATION OF UPDATED TERMS AND CONDITIONS

52.1 Definition of Existing Customers

52.1.1 For the purposes of this Clause, "Existing Customers" refers to Users who registered with or used the Platform or Services prior to the effective date of these Terms and Conditions (May 01, 2025).

52.2 Notification of Changes

52.2.1 The Company shall notify Existing Customers of any amendments to these Terms and Conditions, including the effective date, via:

a. Social Media Open Announcement, Facebook Page, Instagram Page, Whatsapp Manue ect., by the User;

       b. Announcement on the Website (https://louisthai.com); or
       c. Pop-up notification upon login to the Platform.

52.2.2 Notifications shall include a summary of key changes and a link to the updated Terms and Conditions.

52.3 Transition Period

52.3.1 Existing Customers shall have a transition period of thirty (30) days from the date of notification to review and accept the updated Terms and Conditions. During this period:

a. Existing Customers may continue using the Platform and Services under the previous Terms and Conditions (October 2024 Edition 2.0), unless they expressly accept the updated Terms and Conditions.

b. Continued use of the Platform or Services after the transition period shall constitute acceptance of the updated Terms and Conditions.

52.4 Existing Contracts

52.4.1 Any contracts, orders, or transactions (including instalment plans under Clause 4.14 entered into by Existing Customers under the previous Terms and Conditions shall remain governed by those terms until:

a. The contract or transaction is fully performed; or

b. The Existing Customer expressly agrees to apply the updated Terms and Conditions to such contracts or transactions.

52.4.2 For clarity, new transactions initiated after 01 May 2025 shall be governed by these Terms and Conditions.

52.5 Data Protection Compliance

52.5.1 Changes to data processing or cross-border data transfer policies (as per Clause 43) shall be separately notified to Existing Customers in accordance with the Personal Data Protection Act 2010 (PDPA).

52.5.2 Existing Customers may exercise their rights to restrict data storage to Malaysia servers (Clause 43.3) during the transition period.

52.6 Dispute Resolution for Transition

52.6.1 Any disputes arising from the transition to these Terms and Conditions shall be resolved in accordance with Clause 20 (Governing Law and Dispute Resolution), with mediation attempted prior to arbitration at the Asian International Arbitration Centre (AIAC).

52.7 Contact for Clarifications

52.7.1 Existing Customers may contact the Company at support@louisthai.com or louisthaiofficial@gmail.com for clarifications regarding the updated Terms and Conditions or this transition process.

Article 17

INSPECTION AND INVESTIGATION UNIT (IICU)

INSPECTION AND INVESTIGATION UNIT (IICU)

Clause 53 | OPERATION OF THE IICU TASK FORCE

53.1 Purpose of the IICU

The Inspection and Investigation of Case Unit (IICU) Task Force is established by the Company to enhance service quality, ensure compliance with company regulations, and safeguard User rights through case investigations, feedback collection, and service standard monitoring.

53.2 Scope of IICU Activities

       The IICU may conduct the following activities:

53.2.1 Inspection and investigation of cases to ensure compliance with these Terms and Conditions;

53.2.1.1 Feedback Collect

Collection of User feedback via phone calls, online surveys, or face-to-face interviews;

53.2.1.2 Monitoring and improvement

Monitoring and improvement of service standards to ensure fair and high-quality User experiences.

53.3 User Cooperation

Users are encouraged to cooperate with IICU representatives by providing accurate and timely feedback when contacted. Cooperation is voluntary, and Users may decline to participate without affecting their access to Services, subject to Clause 48.4.

53.4 Consequences of Non-Cooperation

53.4.1 Failure to cooperate with IICU investigations may limit the Company's ability to resolve specific cases (e.g., complaints under Clause 3.5) or verify information (e.g., debt recovery under Clause 39).

53.4.2 The Company reserves the right to take appropriate actions, including service suspension, in accordance with these Terms and Conditions.

53.5 Data Protection

53.5.1 All data collected during IICU activities shall be processed in compliance with the Personal Data Protection Act 2010 (PDPA).

53.5.2 Users will be notified of data collection purposes and may exercise their rights under Clause 43.4 (User Rights) to access or correct their data.

53.6 Dispute Resolution

53.6.1 Any disputes arising from IICU activities shall be resolved in accordance with Clause 20 (Governing Law and Dispute Resolution) through mediation and arbitration at the Asian International Arbitration Centre (AIAC).

53.7 Contact for Clarifications

53.7.1 Users may contact the Company at support@louisthai.com for inquiries regarding IICU activities or to provide feedback.

Article 18

ARTIFICIAL INTELLIGENCE USE

ARTIFICIAL INTELLIGENCE USE

Clause 54 | AI OPERATIONS AND DATA PROCESSING

54.1 Purpose of AI Use

54.1.1 The Company may employ Artificial Intelligence (AI) technologies to enhance service delivery, including but not limited to customer support, data analysis, personalized recommendations, and operational efficiency, in compliance with applicable laws.

54.2 Scope of AI Activities

       AI may be used for:

a. Automating customer interactions (e.g., chatbots for inquiries at support@louisthai.com);

b. Analyzing User data to improve services (e.g., purchase patterns, ritual preferences);

c. Supporting case investigations under Clause 48 (IICU);

d. Assisting in credit risk assessments under Clause 39 (Credit Reporting and CTOS Services).

54.3 Data Protection and Transparency

54.3.1 All AI data processing shall comply with the Personal Data Protection Act 2010 (PDPA). Users will be notified of AI use in data processing, and may exercise rights under Clause 43.4 (User Rights) to access, correct, or restrict data processing.

54.4 User Consent and Opt-Out

54.4.1 By using the Platform or Services, Users consent to AI data processing as described in this Clause.

54.4.2 Users may opt out of non-essential AI features (e.g., personalized recommendations) by contacting support@louisthai.com, subject to service limitations.

54.5 AI Decision-Making

54.5.1 AI-based decisions affecting Users (e.g., credit assessments) shall be transparent, with human oversight.

54.5.2 Users may request explanations of AI decisions via s1.

54.6 Dispute Resolution

54.6.1 Any disputes arising from AI use shall be resolved in accordance with Clause 20 (Governing Law and Dispute Resolution) through mediation and arbitration at the Asian International Arbitration Centre (AIAC).

54.7 Contact for Clarifications

54.7.1 Users may contact the Company at support@louisthai.com for inquiries regarding AI use or data processing.

Article 19

WEBAPP USE AND TRANSACTIONS

WEBAPP USE AND TRANSACTIONS

Clause 55 | WEBAPP OPERATIONS

55.1 Purpose of the Webapp

The Company's Webapp, accessible via https://louisthai.com or related platforms, provides online services, including but not limited to ritual bookings, product purchases, customer support, and account management.

55.2 Scope of Webapp Activities

       The Webapp may facilitate:

a. Booking of Services (e.g., Witthi rituals under Clause 3.2.17);

b. Purchase of Products (e.g., talismans under MSIC 46909);

       c. Customer interactions via AI chatbots or support channels;

d. User account management and data processing.

55.3 User Obligations

Users shall:

a. Provide accurate information for Webapp registration and transactions;

b. Comply with these Terms and Conditions, including Clause 30 (Zero Tolerance Policy);

c. Safeguard login credentials and report unauthorized access to support@louisthai.com.

55.4 Data Protection

55.4.1 All data collected via the Webapp shall comply with the Personal Data Protection Act 2010 (PDPA).

55.4.2 Data shall be secured using 256-bit encryption, and Users may exercise rights under Clause 43.4 (User Rights).

55.5 Electronic Transactions

Orders and acceptances via the Webapp constitute valid contracts under the Electronic Commerce Act 2006. Transaction terms shall align with Clause 25 (Offer and Acceptance of the Service) and Clause 27 (Exclusive Refund).

55.6 Dispute Resolution

55.6.1 Any disputes arising from Webapp use shall be resolved in accordance with Clause 20 (Governing Law and Dispute Resolution) through mediation and arbitration at the Asian International Arbitration Centre (AIAC).

55.7 Contact for Clarifications

Users may contact the Company at support@louisthai.com for inquiries regarding Webapp use or transactions.

Article 20

CREDIT E-CARD PROGRAM

CREDIT E-CARD PROGRAM

Clause 56 | CREDIT E-CARD ISSUANCE AND PURPOSE

56.1 Definition

The "Credit e-Card" is an electronic voucher issued exclusively by Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") to eligible Users, providing a monetary credit that can be applied as a discount toward the purchase of eligible Products or Services on the Platform (https://louisthai.com). The Credit e-Card is not for sale and is issued solely at the Company's discretion.

56.2 Issuance Conditions

a. Credit e-Cards may be issued as part of promotional activities, compensation for service disruptions (e.g., delays under Clause 26), or goodwill gestures (e.g., apologies for errors), as determined by LOUIS THAI.

b. The credit amount and validity period will be specified at issuance and communicated via email or the User's registered account on the Platform.

c. Issuance is governed by the Consumer Protection Act 1999 to ensure fairness and transparency.

56.3 Eligibility

a. Only registered Users aged 18 or above with a verified account are eligible to receive a Credit e-Card.

b. Credit e-Cards are non-transferable, non-exchangeable, and may not be purchased, sold, or used by third parties.

56.4 Credit Allocation

a. The credit value (e.g., RM 100 for Product/Service A) will be determined based on the context of issuance (e.g., compensation amount) and will be clearly stated on the e-Card.

b. Credits are applied as a discount at checkout and cannot exceed the total purchase amount; no cash refunds or change will be provided for unused credit.

Clause 57 | USAGE OF CREDIT E-CARD

57.1 Redemption Process

a. Users must redeem the Credit e-Card by entering the unique e-Card code during the checkout process on the Platform.

b. The discount will be reflected instantly, reducing the payable amount (e.g., RM 100 for Product/Service A may be discounted to RM 0 if the full credit is applied).

57.2 Eligible Products and Services

a. Credit e-Cards are valid only for eligible Products (e.g., talismans under MSIC 46909) and Services (e.g., fortune-telling under MSIC 96092) as designated by LOUIS THAI and listed on the Platform.

b. Credits cannot be combined with other discounts, promotions, or Free-Of-Charge (FOC) offers (Clause 35) unless explicitly permitted.

57.3 Expiration and Forfeiture

a. Credit e-Cards expire on the date specified at issuance (e.g., 30 days from issuance), after which any remaining credit will be forfeited.

b. LOUIS THAI is not liable for unused credits due to expiration or User negligence, except in cases of Company error.

57.4 Limitations

a. Each Credit e-Card is valid for a single transaction unless otherwise specified.

b. In case of returns or cancellations, the credit will be reinstated to the e-Card only if the original purchase was made using the e-Card, subject to Clause 34 (Refund Policy).

Clause 58 | MANAGEMENT AND TERMINATION

58.1 Account Management

a. Users are responsible for safeguarding their Credit e-Card code. LOUIS THAI will not reissue lost, stolen, or misused codes.

b. Any misuse (e.g., unauthorized sharing or fraudulent use) may result in cancellation of the e-Card and potential account suspension under Clause 30 (Zero Tolerance Policy).

58.2 Termination or Modification by Company

a. LOUIS THAI reserves the right to cancel, modify, or terminate the Credit e-Card Program, including individual e-Cards, with 14 days' prior notice via the Platform or email, in compliance with the Consumer Protection Act 1999.

b. Modifications may include changes to credit validity or redemption terms, and Users will be notified of material changes.

58.3 Transition of Credits

a. Upon Program termination, Users may redeem existing credits within 30 days of the announcement, subject to availability of eligible Products or Services.

58.4 Dispute Resolution

a. Disputes related to Credit e-Cards will be resolved under Clause 45 (Applicable Law and Conflict Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per the Arbitration Act 2005.

58.5 Liability

LOUIS THAI shall not be liable for technical issues (e.g., Platform errors) preventing e-Card use, except in cases of gross negligence, as governed by applicable Malaysian laws.

Article 21

GOODVIEW COMPENSATION POLICY: COMPENSATION AND ASSISTANCE FOR DENIED SERVICES, CANCELLATION, OR LONG DELAY POLICY

GOODVIEW COMPENSATION POLICY: COMPENSATION AND ASSISTANCE FOR DENIED SERVICES, CANCELLATION, OR LONG DELAY POLICY

Clause 59 | ELIGIBILITY AND SCOPE

59.1 Purpose

Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") provides compensation and assistance to Users affected by denied Services, cancellations, or long delays under the GoodView Compensation Policy, ensuring fair treatment in compliance with the Consumer Protection Act 1999. This policy upholds the values of Your time, trust, and destiny by offering structured compensation for delays in inquiries (pre-payment) and Service delivery (post-payment).

59.2 Response and Service Standards

a. All new private message (PM) inquiries or initial User contacts via the Platform, email, WhatsApp, or other designated channels must be responded to within 48 hours.

b. Services must be delivered within 12 hours after full payment is confirmed, unless otherwise specified in the booking confirmation or affected by force majeure (Clause 25).

c. Delays are measured from the time of inquiry submission or payment confirmation, excluding non-business hours (e.g., weekends, public holidays in Malaysia).

59.3 Eligible Scenarios

Compensation applies to the following, provided they are caused by LOUIS THAI or its affiliates:

a. Denied Services: Refusal of booked Services (e.g., fortune-telling or rituals under MSIC 96092) due to reasons listed in Clause 32.3 (e.g., overbooking, staff unavailability).

b. Cancellation: LOUIS THAI-initiated cancellation of Services or Product orders (e.g., talismans under MSIC 46909) due to operational issues, regulatory restrictions, or force majeure (Clause 25).

c. Long Delay:

i. Pre-Payment Inquiry Delays (e.g., delayed responses to new PM inquiries): Compensation in the form of discounts on future purchases.

ii. Post-Payment Service Delays (e.g., rituals or blessings delayed beyond the standards in 50.2(b)): Compensation in the form of e-Credits.

iii. Product deliveries delayed beyond 30 days from the estimated delivery date (Clause 26.4).

59.4 Eligibility Criteria

a. Users must have a verified account, be aged 18 or above (Clause 2.1), and provide proof of the delay (e.g., timestamps from the Platform).

b. Exclusions: Users banned under Clause 30 (Zero Tolerance Policy), involved in fraudulent activities, or responsible for the delay/cancellation (e.g., providing incorrect details). Compensation does not apply to outcomes subject to individual circumstances (Clause 3.4).

59.5 Non-Eligible Scenarios

a. Delays or cancellations due to User error or failure to comply with these Terms.

b. Events covered by force majeure (Clause 25) unless LOUIS THAI opts to provide discretionary compensation.

Clause 60 | COMPENSATION PROCESS

60.1 Compensation Mechanism for Pre-Payment Inquiry Delays

(a) If the response to a new inquiry exceeds 48 hours:

Category A Delay Hours before respond of new enquire; Ref.

Discount % on the quoted Service/Product

(i) Starting on 13 hours late → 10% Discounts
(ii) 14 hours between 24 hours late → 15% Discounts
(iii) 25 hours between 48 hours late → 25% Discounts
(iv) 49 hours between 72 hours late → 35% Discounts
(vi) More than >72 hours and above late → 50% Discounts

(b) Discounts are applied via Discount Codes or Direct Fee Deduction at the time of purchase and cannot be combined with other promotions or FOC offers (Clause 35).

60.2 Compensation Mechanism for Post-Payment Service Delays

(a) If Service delivery exceeds 24 hours after payment:

Category B Delay Hours after Payment Ref.

Discount % on the quoted Service/Product

(i) 24 hours late → 10% e-Credit
(ii) 48 hours late → 15% e-Credit
(iii) 72 hours late → 25% e-Credit
(iv) 72 hours late → 35% e-Credit
(v) 96 hours late → 50% e-Credit

(b) e-Credits are issued as Credit e-Cards (Clause 52), redeemable for future Services/Products, and expire after 12 months. They cannot be exchanged for cash unless mandated by law.

60.3 Claim Procedure

(a) Users must file a claim within 48 hours after being notified of a delay (or becoming aware of it) via email (support@louisthai.com), the Platform, WhatsApp, or Facebook Messenger, providing:

(i) Booking/inquiry reference.

(ii) Proof of delay (e.g., timestamps, payment receipt).

(iii) Description of the impact.

(b) Failure to claim within 48 hours may disqualify the User from compensation.

(c) Compensation will be provided through Discount Codes, Direct Fee Deduction, Free Service Upgrade (e.g., priority rescheduling), or e-Credit, at LOUIS THAI's discretion.

60.4 Step 2: Assessment by LOUIS THAI

(a) LOUIS THAI will acknowledge the claim within 24 hours and assign it to the Inspection and Investigation Unit (IICU, Article 17).

(b) The IICU will investigate and determine eligibility within 5 working days, considering the cause and impact.

(c) Users will be notified of the outcome via email or the Platform.

60.5 Step 3: Delivery of Compensation

(a) Approved compensation will be issued within 7 working days (e.g., e-Credits to the User's account).

(b) All compensation is final and non-negotiable, subject to Clause 45 (Dispute Resolution). Cash refunds are not available unless required by the Consumer Protection Act 1999 (cross-reference Clause 34).

60.6 Limitations

(a) Compensation does not cover indirect losses (e.g., emotional distress beyond optional support in Clause 57).

(b) Only one compensation type per incident; repeated claims may lead to review under Clause 30.

Clause 61 | ASSISTANCE AND DISPUTE RESOLUTION

61.1 Assistance Process

a. LOUIS THAI will provide ongoing support, including:

i. Status updates within 24 hours of a reported issue.

ii. Guidance on rescheduling or alternative options via support@louisthai.com.

b. The IICU may contact Users for additional information (Article 17), with

cooperation encouraged but voluntary (Clause 48.3).

61.2 User Responsibilities

a. Users must provide accurate and timely information to facilitate

       investigations.

b. Non-cooperation may result in delayed or denied compensation, as per

       Clause 48.4.

61.3 Data Protection

a. All personal data collected during the compensation process will be

processed in compliance with the Personal Data Protection Act 2010 (PDPA).

b. Users may exercise rights to access, correct, or delete data under Clause

61.4. by contacting support@louisthai.com.

61.4 Dispute Resolution

a. Disputes regarding compensation eligibility or delivery will be resolved

under Clause 45, involving:

i. Mediation in Kuala Lumpur within 30 days of a written request.

ii. Arbitration at the Asian International Arbitration Centre (AIAC) per the

iii. Arbitration Act 2005 if mediation fails.

       b. The losing party bears all costs, as per Clause 45.5.

61.5 Liability

a. LOUIS THAI is not liable for consequential damages arising from denied

Services, cancellations, or delays, except as required by the Consumer

Protection Act 1999.

b. Technical issues (e.g., Platform errors) preventing compensation delivery

are not compensable unless caused by gross negligence.

Clause 62 | RIGHT TO CARE

62.1 Purpose

LOUIS THAI is committed to ensuring Users affected by denied Services, cancellations, or long delays receive compassionate and prioritized care to mitigate inconvenience and maintain trust, in alignment with the Consumer Protection Act 1999.

62.2 Care Entitlements

Eligible Users (as per Clause 34.3) will receive:

a. Personalized Communication: A dedicated support representative will contact the User within 24 hours of notification (Clause 35.1) to offer apologies, explain the issue, and outline compensation options.

b. Priority Handling: Compensation claims will be prioritized over non-urgent inquiries, with expedited IICU review within 3 working days (instead of 5).

c. Emotional Support Option: For Service-related issues (e.g., delayed rituals), Users may request a complimentary 15-minute consultation with a spiritual advisor to address emotional distress, subject to availability.

62.3 Request Process

a. Users may request Right to Care services when submitting their notification (Clause 35.1) by indicating their preference (e.g., "Request emotional support").

b. Requests will be acknowledged within 24 hours, with care services arranged within 5 working days.

62.4 Limitations

a. Right to Care services are discretionary and do not constitute a legal obligation unless required by the Consumer Protection Act 1999.

b. Emotional support consultations are limited to one per incident and cannot be exchanged for monetary compensation.

c. Users abusing this entitlement (e.g., repeated unfounded requests) may be excluded under Clause 30.

62.5 Data Protection

a. Personal data collected for Right to Care services (e.g., consultation notes) will be processed per the Personal Data Protection Act 2010, with confidentiality assured except where legally required (Clause 43).

62.6 Disputes

a. Disputes regarding Right to Care services will follow Clause 45 (Dispute Resolution), with mediation and arbitration as needed.

Article 22

ANTI-CORRUPTION AND PAYMENT POLICY

ANTI-CORRUPTION AND PAYMENT POLICY

Clause 63 | PAYMENT METHOD RESTRICTIONS AND ANTI-CORRUPTION MEASURES

63.1 Purpose

Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") is committed to upholding the highest standards of integrity, transparency, and compliance with anti-corruption laws. To enhance financial security, operational efficiency, and prevent bribery and corruption among its management and staff, LOUIS THAI shall no longer accept cash, cheques, or any form of offline payment, effective immediately as of 08:32 PM +08, May 20, 2025. This policy reflects the high-level commitment of LOUIS THAI's senior management to foster an ethical business environment, aligning with the Malaysian Anti-Corruption Commission Act 2009 (MACC Act 2009) and the Anti-Corruption Act 2018.

63.2 Payment Restrictions

63.2.1 All transactions for Products (as defined in Article 1) and Services (as defined in Article 1) must be conducted through approved online payment methods, including but not limited to bank card payments, electronic fund transfers, and the Company's Webapp (https://louisthai.com) as outlined in Article 19, Clause 50.

63.2.2 The Company reserves the right to update the list of approved payment methods with prior notice via the Website (https://louisthai.com) or email, in accordance with Clause 23, Section 19.1.

63.2.3 Any attempt to use cash, cheques, or offline payment methods after the effective date will be deemed invalid, and the Company shall not be obligated to process such transactions.

63.3 Anti-Corruption Rationale and Control Measures

63.3.1 The elimination of cash and offline payments is implemented to mitigate the risk of bribery, kickbacks, and corrupt practices between LOUIS THAI's management, staff, and third parties, including clients and suppliers. This decision is based on a risk assessment conducted by the Company, identifying cash transactions as a vulnerability for financial misconduct.

63.3.2 Control measures include the adoption of digitized payment systems with end-to-end encryption, real-time transaction monitoring, and mandatory online payment verification, all compliant with the Personal Data Protection Act 2010 (PDPA).

63.3.3 This measure aligns with the Malaysian Anti-Corruption Commission Act 2009 and the Anti-Corruption Act 2018, and supports the Company's Zero Tolerance Policy under Article 11, Clause 30.

63.3.4 All payment records will be subject to systematic audits conducted quarterly by an independent internal team to ensure compliance and detect irregularities.

63.4 Supervision and Enforcement

63.4.1 The Company's Inspection and Investigation Unit (IICU, Article 17) will oversee the implementation of this policy, with authority to investigate any suspected breaches of payment restrictions or corrupt practices.

63.4.2 Supervision and enforcement will involve regular reviews of payment data, collaboration with external auditors, and reporting of violations to the Malaysian Anti-Corruption Commission (MACC) where necessary, in accordance with the MACC Act 2009.

63.4.3 Users (as defined in Article 1) agree to comply with this payment restriction and provide accurate payment details through approved channels.

63.4.4 Non-compliance with this Clause may result in transaction cancellation, service suspension, or reporting to relevant authorities, as per Clause 30 (Zero Tolerance Policy).

63.5 Training and Communication

63.5.1 LOUIS THAI will conduct training and communication sessions for all staff and management to ensure understanding and adherence to this anti-corruption policy and payment restrictions. Training will cover anti-bribery laws, digital payment procedures, and ethical conduct, commencing within 30 days of the effective date (by June 19, 2025).

63.5.2 Users will be informed through training and communication via email, the Website (https://louisthai.com), and a pop-up notification upon login, effective May 20, 2025.

63.6 A transition period of 30 days from the effective date (until June 19, 2025) is provided for users to adapt to online payment methods. During this period, the Company may, at its discretion, process pending offline payments received prior to May 20, 2025, subject to verification.

63.7 Limitation of Liability

63.7.1 LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from the rejection of cash or offline payments, except in cases of gross negligence, as governed by the Consumer Protection Act 1999.

63.7.2 The Company is not responsible for technical issues with online payment platforms, unless caused by its own misconduct.

63.8 Dispute Resolution

63.8.1 Any disputes arising from this Clause shall be resolved in accordance with Article 16, Clause 45, through mediation and arbitration at the Asian International Arbitration Centre (AIAC) per the Arbitration Act 2005.

63.8.2 Users may contact support@louisthai.com for clarifications or to report issues related to payment restrictions.

63.9 Compliance with Law

63.9.1 This Clause is enforced in accordance with the Malaysian Anti-Corruption Commission Act 2009, the Anti-Corruption Act 2018, and other applicable Malaysian laws. In the event of a conflict between this Clause and legal requirements, the latter shall prevail, and LOUIS THAI will adjust its practices accordingly.

Article 23

ARTICLE 23

Digital Certificate Installation Consent & Network Usage Agreement

Clause 64 | CONSENT TO DIGITAL CERTIFICATE INSTALLATION

64.1 Purpose and Scope

a. LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") requires certain users of Our network services to install a Digital Certificate issued by a Certificate Authority (CA) ("Digital Certificate") to enable enhanced security monitoring, lawful content filtering, and network management.

b. This Article applies to all Employees, Clients, and Visitors who use the Company's wired or wireless network services ("Company Network Services").

c. By using Company Network Services, You acknowledge and agree to the terms of this Article.

64.2 Consent to Digital Certificate Installation

64.2.1 You understand that to access certain Company Network Services securely, You may be requested to voluntarily install a Digital Certificate on Your Device.

64.2.2 Installation of the Digital Certificate is voluntary, and You may refuse to install it; however, certain services (such as full HTTPS inspection, advanced content filtering) may be unavailable without installation.

64.2.3 Prior to installation, We will provide You with clear notice regarding:

a. The purpose of the Digital Certificate

b. The type of data it may process

c. How it will be used and stored

64.2.4 By proceeding with installation, You expressly consent to:

a. The installation of the Digital Certificate on Your Device

b. The monitoring and management of network traffic in accordance with this Article

c. The processing of Your data as outlined herein, in compliance with the Personal Data Protection Act 2010 (PDPA).

64.3 Network Usage Policy

64.3.1 You agree to use Company Network Services only for lawful purposes and in compliance with all applicable Malaysian laws, including but not limited to:

a. Personal Data Protection Act 2010 (PDPA)

b. Communications and Multimedia Act 1998

c. Consumer Protection Act 1999

64.3.2 Prohibited activities include, but are not limited to:

a. Attempting to bypass network security or filtering systems

b. Engaging in illegal activities such as hacking, piracy, or unauthorized access

c. Disseminating malicious software or spam

d. Conducting activities that may harm the integrity or availability of the Company's network or systems

64.3.3 LOUIS THAI reserves the right to monitor network traffic to ensure compliance with this Clause.

64.4 Security and Privacy Commitment

64.4.1 The Digital Certificate will be used solely for security, lawful filtering, and operational management purposes.

64.4.2 No personal data unrelated to network security or operational requirements will be collected or used beyond what is necessary to maintain a secure network environment.

64.4.3 All monitoring and data handling shall be conducted in full compliance with the PDPA and applicable laws.

64.4.4 The Company shall implement appropriate technical and organizational measures to protect the confidentiality, integrity, and availability of data processed via the Digital Certificate.

64.5 Limitations of Liability

64.5.1 LOUIS THAI shall not be liable for any damages or losses arising from the voluntary installation or use of the Digital Certificate, except in cases of gross negligence or willful misconduct.

64.5.2 You are solely responsible for ensuring that You have appropriate backups of Your Device prior to installing the Digital Certificate.

64.5.3 If You choose not to install the Digital Certificate, You acknowledge that certain Company Network Services may not be fully available or functional.

64.6 Revocation of Consent

64.6.1 You may revoke Your consent to the installation or continued use of the Digital Certificate at any time by submitting a written request to louisthai.digital@gmail.com

64.6.2 Upon receipt of Your request, LOUIS THAI will assist You in removing the Digital Certificate from Your Device.

64.6.3 Revocation of consent may result in the limitation or termination of access to certain Company Network Services that require the Digital Certificate.

64.7 Compliance with Laws

64.7.1 This Article shall be enforced in accordance with Malaysian laws, including but not limited to the Personal Data Protection Act 2010 (PDPA) and the Communications and Multimedia Act 1998.

64.7.2 If any provision of this Article conflicts with applicable law, the latter shall prevail, and LOUIS THAI will adjust its practices accordingly.

64.8 Access to Agreement and Digital Signature

64.8.1 You may access and download the full version of this Digital Certificate Installation Consent & Network Usage Agreement for Your records and reference.

64.8.2 To proceed with Your consent and to digitally sign this Agreement, please click the following URL:

🔗 https://louisthai.com/ca-consent-agreement (Insert actual URL as provided by Company IT team.)

64.8.3 By clicking the URL and completing the digital signature process, You confirm that:

a. You have read and understood this Agreement in full.

b. You voluntarily consent to the terms and conditions stated herein.

c. Your digital signature shall have the same legal force and effect as a handwritten signature.

64.8.4 The Company reserves the right to update the online Agreement version from time to time. You are encouraged to review the latest version prior to consenting.

Article 24

FAAG Agreement | Failure to Assimilate Advised Guidance Agreement
FAAG Agreement | Failure to Assimilate Advised Guidance Agreement

FAAG Agreement (Failure to Assimilate Advised Guidance Agreement)

The Client hereby acknowledges and agrees that, in circumstances where the projected success probability of any consultation, ritual, prediction, advisory service, or spiritual guidance provided by LOUIS THAI International Group Sdn. Bhd. ("the Company") is assessed to be below fifty percent (50%), and the Client nevertheless elects to proceed with the Service, all resulting outcomes classified as "Failure to Assimilate Advised Guidance (FAAG)" shall remain solely and entirely the Client's responsibility.

FAAG refers to the Client's refusal, omission, inability, or failure-whether deliberate or unintended-to understand, adopt, comply with, or follow the guidance, instructions, remedial actions, timelines, behavioural adjustments, or preventive steps advised by the Company.

Once the Client ticks, signs, agrees, or otherwise indicates acceptance of the FAAG Agreement (whether digitally or physically), no refund, reimbursement, damages, compensation, or remedy of any kind shall apply, notwithstanding any provision under the general Refund Policy of the Company.

Clause 65 | FAILURE TO ASSIMILATE ADVISED GUIDANCE AGREEMENT (FAAG)

65.1 Definition

"Failure to Assimilate Advised Guidance (FAAG)" refers to the Client's failure, refusal, or omission to follow, implement, or reasonably attempt to implement the Company's advised steps, precautions, timing recommendations, behavioural adjustments, ritual follow-ups, or any form of post-consultation instructions.

65.2 Client Acknowledgement Of Risk

The Client acknowledges that when the estimated success rate is below fifty percent (50%), the risk of failure is materially higher, and the Company shall not be held liable for any undesired outcome arising from the Client's informed decision to proceed.

65.3 Assumption Of Responsibility

All consequences arising from FAAG are borne solely by the Client. The Company shall not be responsible for:

       (a)    lack of improvements,
       (b)    delays in result manifestation,
       (c)    worsening of circumstances due to Client's inaction,
       (d)    the Client acting against advised timing or cautions,
       (e)    external events caused by the Client's own behaviour or decisions.

65.4 Non-Refundability

Upon accepting the FAAG Agreement (including clicking acceptance digitally), the Client irrevocably agrees that:

       (a)    No refund shall be provided;
       (b)    No free service replacement or goodwill compensation shall be issued;
       (c)    No dispute or chargeback claim shall be entertained.

65.5 Legal Enforcability

This FAAG Agreement shall be enforceable pursuant to the Contracts Act 1950, Consumer Protection Act 1999, Electronic Commerce Act 2006, and Evidence Act 1950. The Client's acceptance constitutes a binding waiver of refund rights to the extent permitted by law.

Article 25

ARTICLE 25

Private Sales and Exclusive Client Offers

Clause 66 | PRIVATE SALES AND EXCLUSIVE CLIENT OFFERS

66.1 Definition Legal Enforceability

Private Sales refer to invitation-only, non-publicly advertised sales events, promotions, or service offerings made available solely to selected Clients of the Company ("Private Sales").

66.2 Eligibility

(a) Private Sales shall be granted only to Clients who meet internal criteria determined by the Company, including but not limited to loyalty status (as per Clause 28 of the Loyalty Program), historical purchases, or strategic considerations (e.g., long-term partnerships).

(b) Eligibility decisions are at the Company's sole discretion and may involve processing of Your personal data in compliance with the Personal Data Protection Act 2010 (PDPA).

(c) Invitations will be extended via the Platform (https://louisthai.com), email, or WhatsApp to Your registered contact details.

66.3 Confidentiality

(a) All pricing, offers, discounts, and information provided under Private Sales are strictly confidential.

(b) You shall not disclose such information to any third party without prior written consent from the Company.

(c) Breach of confidentiality may result in immediate revocation of eligibility and actions under the Zero Tolerance Policy (Clause 30).

66.4 Non-Transferabilit

Private Sales benefits, invitations, or pricing privileges may not be transferred, assigned, or traded to any other person or entity. Any attempt to do so will void the offer and may lead to account suspension.

66.5 No Guarantee Of Continuity

(a) The Company may modify, suspend, or terminate any Private Sales privilege at any time with or without notice.

(b) Your eligibility may be revoked at the Company's sole discretion (e.g., due to policy changes or misuse).

66.6 Payment Terms

(a) Unless otherwise stated, all purchases under Private Sales follow the Company's standard payment terms as outlined in Clause 4 (You Agree and Confirm) and Clause 33 (Instalment Plan).

(b) For international Clients, prices are subject to foreign exchange fees per Clause 4.13.

(c) Private Sales may not be combined with other promotions, FOC offers (Clauses 24-25), or Credit e-Cards (Clause 52) unless explicitly permitted.

66.7 No Refund For Exclusive Offers

(a) Private Sales items, once purchased or reserved, are strictly non-refundable, except where required by Malaysian law , including the Consumer Protection Act 1999 (CPA 1999).

(b) This provision survives termination of Your account or the Private Sales program.

66.8 Priority Access

(a) The Company may provide Private Sales Clients with early access to new services, products, or rituals, subject to availability.

(b) Participation may earn Loyalty Points per Clause 28 of the Loyalty Program.

66.9 Governing Law

This Article shall be governed by the laws of Malaysia, including the CPA 1999 and PDPA where applicable. Any disputes arising hereunder shall be resolved in accordance with Clause 45 (Applicable Law and Conflict Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per the Arbitration Act 2005.

Main Terms and Conditions Agreement 2025 Edition 2.0 ("MTCA 2025 EDI 2.0") (Formerly known as Client Terms and Conditions 2025 Edition 2.0 CTCA EDI 2.0

Article 26

QR PAYMENT AGREEMENT

QR PAYMENT AGREEMENT

Clause 67 | CASHLESS & QR CODE PAYMENT TERMS AND CONDITIONS

This QR Payment Agreement (“Agreement”) governs the use of cashless and QR code–based payment services offered by LOUIS THAI International Group Sdn. Bhd. (Company Registration No.: 202101033331 (1433631-V)) (“Company”, “we”, “us”, or “our”).

By scanning a QR code, authorising payment, or completing any QR-based transaction, you (“Customer”, “you”, or “payer”) acknowledge that you have read, understood, and agreed to be legally bound by this Agreement, which forms an integral part of these Terms and Conditions.

67.1 Definition of QR Payment

(a) “QR Payment” refers to any payment made through a Quick Response (QR) code using approved third-party cashless or electronic payment platforms, including but not limited to GrabPay, Touch ’n Go, Boost, ShopeePay, DuitNow QR, bank QR systems, or any other authorised payment channels accepted by the Company from time to time.

67.2 Acceptance of Charges

By proceeding with a QR Payment, you expressly agree and confirm that you shall:

(a) Pay the full amount displayed prior to payment confirmation, including all applicable service charges, taxes, administrative fees, and adjustments (if any);

(b) Accept the final transaction amount as shown on the invoice, receipt, or electronic transaction record;

(c) Acknowledge that once a QR Payment is successfully authorised, the transaction shall be final, binding, and conclusive, unless otherwise required under applicable Malaysian law.

67.3 Transaction Authorisation

(a) You represent, warrant, and confirm that:

(i) You are the lawful and authorised user of the bank account, digital wallet, or payment facility used;

(ii) You have sufficient balance, credit, or authorisation to complete the transaction;

(iii) You expressly authorise the relevant payment provider to debit the stated amount on your behalf.

(b) The Company shall not be responsible or liable for any failed, delayed, or rejected transactions arising from insufficient funds, technical failures, network disruptions, or third-party payment platform issues.

67.4 No Signature Required

You acknowledge and agree that:

(a) QR Payment authorisation constitutes valid electronic consent under Malaysian law;

(b) No physical signature, handwritten confirmation, or additional verification is required once payment has been successfully completed;

(c) Electronic records, invoices, receipts, system logs, and transaction timestamps shall constitute conclusive and binding proof of payment.

67.5 Refunds & Reversals

(a) Unless expressly stated otherwise in writing by the Company:

(b) All QR Payments are non-refundable and non-reversible;

(c) Any refunds, if approved, shall be strictly subject to the Company’s Refund Policy, Service Terms, Warranty Policy, or Compensation Policy, where applicable;

(d) All third-party processing fees, platform charges, banking fees, or currency conversion costs are strictly non-refundable.

67.6 Disputes & Chargebacks

In the event of any payment dispute or claim:

(a) You agree to first contact the Company directly to seek resolution;

(b) Any unauthorised chargeback initiated without prior communication may result in suspension of Services, refusal of future transactions, or other remedial action;

(c) The Company reserves the right to disclose relevant transaction records, QR logs, timestamps, invoices, and supporting evidence to banks, payment providers, regulators, or authorities, where required.

67.7 Third-Party Payment Providers

You acknowledge and agree that:

(a) QR Payments are processed via independent third-party payment providers, each governed by their own terms and conditions;

(b) The Company does not control, operate, or guarantee the availability, uptime, security, or processing speed of such platforms;

(c) Any disputes arising from third-party platform operations shall primarily be governed by the respective provider’s policies, without prejudice to this Agreement or the Company’s rights.

67.8 Data & Privacy

(a) Payment-related data shall be collected, processed, and stored in accordance with:

(i) the Personal Data Protection Act 2010 (PDPA) of Malaysia; and

(ii) the Company’s Privacy Policy.

(b) The Company does not store sensitive payment credentials, including but not limited to PINs, passwords, or authentication codes.

67.9 Limitation of Liability

(a) To the fullest extent permitted by law, the Company shall not be liable for any loss, damage, or inconvenience arising from:

(b) QR scanning errors, system delays, or technical malfunctions;

(i) Payment platform outages or maintenance;

(ii) Network, device, banking, or telecommunications failures beyond the Company’s reasonable control;

(iii) Any indirect, incidental, special, or consequential losses relating to QR Payments.

67.10 Governing Law & Jurisdiction

(a) This Agreement shall be governed by and construed in accordance with the laws of Malaysia, and shall be read together with the governing law and dispute resolution provisions of these Terms and Conditions.

(b) Any disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia, unless otherwise agreed under an applicable arbitration clause.

67.11 Amendments

(a) The Company reserves the right to amend, update, or replace this QR Payment Agreement at any time.

(b) The version in force at the time the QR Payment is made shall apply and be binding on the Customer.

67.12 Acknowledgement

By completing a QR Payment, you expressly confirm and agree that:

“I agree to pay the above total amount according to the QR Payment Agreement of LOUIS THAI International Group Sdn. Bhd.”

Article 27

RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS

RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS

Clause 68 | RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS

Cross-reference: This Clause is governed in addition by Clause 69 (Free Will & Non-Manipulation Principle).

(a) Where two or more Clients are spouses, partners, former spouses, family members, relatives, or otherwise related parties, each Client shall be treated as an independent and separate individual case by LOUIS THAI International Group Sdn. Bhd. (“the Company”).

(b) The existence of any marital, familial, emotional, or personal relationship between Clients shall not create any joint rights, joint obligations, or shared service expectations unless expressly agreed in writing by the Company.

68.2 No Mediation, Arbitration, or Personal Decision Influence

(a) The Company does not act as a mediator, arbitrator, legal representative, marriage counsellor, or decision-maker in personal, marital, or relationship matters, including but not limited to:

(i) marriage, divorce, reconciliation, separation,

(ii) emotional disputes or relationship conflicts,

(iii) consent, agreement, or refusal by another party.

(b) The Company shall not be responsible for, nor obligated to influence, alter, persuade, compel, or predict the personal decisions, intentions, or free will of any third party, including another Client who may be related to the requesting Client.

68.3 Separation of Information and Confidentiality

(a) All consultations, records, analyses, predictions, recommendations, or communications provided to a Client shall remain strictly confidential and segregated.

(b) The Company shall not disclose, reference, compare, or cross-use information between related Clients, nor shall it confirm, deny, or comment on another Client’s consultation, intention, or outcome, even where such Clients are spouses or related parties.

68.4 Conflict Escalation and Service Limitation

(a) Where opposing intentions, objectives, or expectations arise between related Clients, and such circumstances may reasonably result in:

(i) ethical conflict,

(ii) reputational risk,

(iii) emotional escalation,

(iv) legal exposure, or

(v) misuse of the Company’s services,

(b) the Company reserves the absolute right, at its sole discretion, to limit, suspend, decline, or terminate services to one or more affected Clients, without liability or obligation to provide justification beyond compliance with this Agreement.

68.5 No Guarantee of Relationship Outcome

(a) Any service, consultation, analysis, or recommendation provided by the Company is offered strictly on an informational and advisory basis and does not guarantee any specific relationship outcome, agreement, reconciliation, separation, or legal result.

(b) All personal and relationship decisions remain solely the responsibility of the Client.

68.6 Survival and Priority

(a) This Clause shall survive the completion, suspension, or termination of services and shall apply notwithstanding any conflicting expectations, assumptions, or representations by Clients.

Article 28

FREE WILL & NON-MANIPULATION PRINCIPLE

FREE WILL & NON-MANIPULATION PRINCIPLE

Clause 69 | REE WILL & NON-MANIPULATION PRINCIPLE

69.1 Principle. LOUIS THAI provides Services for personal guidance, self-reflection, and lawful spiritual or cultural purposes only. All decisions, actions, and outcomes remain solely within the Client’s own free will and responsibility.

69.2 No Manipulation / No Coercion. You acknowledge and agree that LOUIS THAI does not and will not provide any Service intended to coerce, compel, manipulate, control, or override the free will, consent, or lawful choices of any other person (including spouses, partners, family members, or third parties).

69.3 Prohibited Requests. Without limitation, You must not request or use Our Services for:

(a) forcing or pressuring another person to love, return, reconcile, separate, divorce, sign documents, transfer property, or make any legal decision;

(b) influencing another person’s consent, judgement, or behavior through intimidation, deception, harassment, or undue pressure; or

(c) any act that may constitute unlawful coercion, stalking, harassment, defamation, blackmail, or abuse under Malaysian law.

69.4 Service Refusal / Suspension. If We reasonably believe that a request, instruction, or use of Services violates this Clause or creates elevated legal/ethical risk, We may refuse, limit, pause, or terminate the Service immediately, without liability, and without any obligation to provide a specific outcome.

69.5 Individual Circumstances & No Guarantee. Outcomes are subjective and dependent on individual circumstances. Any interpretation, guidance, or spiritual practice does not guarantee results and shall not be treated as a substitute for professional legal, medical, psychological, or counselling advice.

69.6 Related Parties. Where two or more Clients are related parties and hold opposing intentions, Our handling shall remain strictly independent and subject to this Clause. (Cross-reference: Clause 68 – Related Parties & Personal Relationship Conflicts.)

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