Main Terms and Conditions Agreement| LOUIS THAI<\/title>\n <meta name=\"color-scheme\" content=\"light\" \/>\n <style>\n \/* --- Layout hardening (uniform card sizing) --- *\/\n *,\n *::before,\n *::after {\n box-sizing: border-box;\n }\n\n \/* Keep all cards the same width and prevent accidental shrink\/expand *\/\n details.clause,\n .card-body {\n width: 100%;\n max-width: 100%;\n overflow: hidden;\n }\n\n \/* Ensure headers don't collapse into different heights due to wrapping quirks *\/\n summary {\n width: 100%;\n }\n\n \/* Consistent spacing between cards even if edited later *\/\n details.clause {\n margin: 10px 0;\n }\n\n .card-body {\n margin: 10px 0;\n }\n\n \/* Prevent long words\/URLs from forcing odd card widths *\/\n .content,\n .card-body {\n overflow-wrap: anywhere;\n word-break: break-word;\n }\n\n \/* If any element was changed to inline, force block-level layout *\/\n details,\n summary,\n .content,\n .card-body {\n display: block;\n }\n\n \/* --- End hardening --- 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.layout {\n grid-template-columns: 1fr;\n }\n\n .nav {\n position: relative;\n top: auto;\n }\n\n .nav-list {\n max-height: 280px\n }\n }\n\n @media print {\n\n .topbar,\n .nav,\n .btn {\n display: none !important;\n }\n\n .layout {\n grid-template-columns: 1fr;\n max-width: 100%;\n padding: 0 10px;\n }\n }\n <\/style>\n<\/head>\n\n<body>\n\n <header class=\"topbar\">\n <div class=\"top-inner\">\n <div class=\"brand\">LOUIS THAI<\/div>\n <div class=\"right\">\n <button class=\"btn\" id=\"expandAll\" type=\"button\">\ud83e\ude82 Expand All<\/button>\n <button class=\"btn\" id=\"collapseAll\" type=\"button\">\ud83e\udebdCollapse<\/button>\n <button class=\"btn\" id=\"printBtn\" type=\"button\">\ud83d\udda8\ufe0f Print<\/button>\n <\/div>\n <\/div>\n <\/header>\n\n <div class=\"layout\">\n <aside class=\"nav\" aria-label=\"Navigation\">\n <h3>Sections<\/h3>\n <div class=\"search\">\n <input id=\"filter\" type=\"search\" placeholder=\"Filter cards\u2026 (e.g., refund, PDPA)\" autocomplete=\"off\" \/>\n <\/div>\n <div class=\"nav-list\" id=\"navList\">\n <a class=\"nav-item\" href=\"#preamble-card\">\ud83d\udcac Preamble<\/a>\n <a class=\"nav-item\" href=\"#captions-card\">\ud83d\udd16 Captions<\/a>\n <a class=\"nav-item\" href=\"#acknowledgment-card\">\ud83d\udce2 Acknowledgment<\/a>\n <a class=\"nav-item\" href=\"#msg-board-ceo\">\ud83d\ude47\ud83c\udffc\u200d\u2642\ufe0f Message from the Board (CEO\/President)<\/a>\n <a class=\"nav-item\" href=\"#msg-board-proposed\">\ud83d\udc66\ud83c\udffb Message from the Board (Proposed Director)<\/a>\n <a class=\"nav-item\" href=\"#msg-stakeholder\">\ud83e\udd36\ud83c\udffb Message from the Stakeholder<\/a>\n <a class=\"nav-item\" href=\"#article-1\">Article 1<\/a>\n <a class=\"nav-item\" href=\"#article-2\">Article 2<\/a>\n <a class=\"nav-item\" href=\"#article-3\">Article 3<\/a>\n <a class=\"nav-item\" href=\"#article-4\">Article 4<\/a>\n <a class=\"nav-item\" href=\"#article-5\">Article 5<\/a>\n <a class=\"nav-item\" href=\"#article-6\">Article 6<\/a>\n <a class=\"nav-item\" href=\"#article-7\">Article 7<\/a>\n <a class=\"nav-item\" href=\"#article-8\">Article 8<\/a>\n <a class=\"nav-item\" href=\"#article-9\">Article 9<\/a>\n <a class=\"nav-item\" href=\"#article-10\">Article 10<\/a>\n <a class=\"nav-item\" href=\"#article-11\">Article 11<\/a>\n <a class=\"nav-item\" href=\"#article-12\">Article 12<\/a>\n <a class=\"nav-item\" href=\"#article-13\">Article 13<\/a>\n <a class=\"nav-item\" href=\"#article-14\">Article 14<\/a>\n <a class=\"nav-item\" href=\"#article-15\">Article 15<\/a>\n <a class=\"nav-item\" href=\"#article-16\">Article 16<\/a>\n <a class=\"nav-item\" href=\"#article-17\">Article 17<\/a>\n <a class=\"nav-item\" href=\"#article-18\">Article 18<\/a>\n <a class=\"nav-item\" href=\"#article-19\">Article 19<\/a>\n <a class=\"nav-item\" href=\"#article-20\">Article 20<\/a>\n <a class=\"nav-item\" href=\"#article-21\">Article 21<\/a>\n <a class=\"nav-item\" href=\"#article-22\">Article 22<\/a>\n <a class=\"nav-item\" href=\"#article-23\">Article 23<\/a>\n <a class=\"nav-item\" href=\"#article-24\">Article 24<\/a>\n <a class=\"nav-item\" href=\"#article-25\">Article 25<\/a>\n <a class=\"nav-item\" href=\"#article-26\">Article 26<\/a>\n <a class=\"nav-item\" href=\"#article-27\">Article 27<\/a>\n <a class=\"nav-item\" href=\"#article-28\">Article 28<\/a>\n <\/div>\n <\/aside>\n\n <main>\n <div class=\"hero\">\n <h1>Main Terms and Conditions Agreement<\/h1>\n <div class=\"sub\">MTCA 2025 \/ B.E. 2568 \u2022 Each item is a card \u2014 click to expand.<\/div>\n <\/div>\n\n <section class=\"section\" id=\"front-matter\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Front Matter<\/h2>\n <div class=\"section-sub\">Preamble \u2022 Captions \u2022 Acknowledgment \u2022 Messages<\/div>\n <\/div>\n\n <details class=\"clause\" id=\"preamble-card\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Preamble<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"section-sub\">Main Terms and Conditions Agreement (MTCA)<\/div>\n <p>Main Terms and Conditions Agreement (MTCA) 2025\/B.E. 2568 Edition 1.0\/MTCA Ed 1.0<\/p>\n <div class=\"gap\"><\/div>\n <p>This Main Terms and Conditions Agreement ("MTCA") 2025\/B.E. 2568 establishes the primary rules,\n obligations, and rights governing all interactions, services, and engagements between LOUIS THAI\n International Group Sdn. Bhd. ("LOUIS THAI") and its Clients, Guests, Patrons, and NGO Bodies.\n <\/p>\n <p>By accessing, engaging with, or receiving services from LOUIS THAI, all parties hereby acknowledge and\n agree to be bound by the provisions of this MTCA, unless superseded by a specific agreement or memorandum\n duly executed with LOUIS THAI.<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"captions-card\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Captions<\/span>\n <\/summary>\n <div class=\"content\">\n <p>The title or caption of each Article of these Terms & Conditions Section is for understanding purpose\n and is not to be used for interpretation of the text.<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"acknowledgment-card\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Acknowledgment<\/span>\n <\/summary>\n <div class=\"content\">\n <p>These are the Terms and Conditions governing the use of this Service and the agreement that operates\n between You and the Company. These Terms and Conditions set out the rights and obligations of all users\n regarding the use of the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>Your access to and use of the Service is conditioned on Your acceptance of and compliance with these\n Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use\n the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree\n with any part of these Terms and Conditions, then You may not access the Service.<\/p>\n <p>You represent that you are over the age of eighteen (18). The Company does not permit those under 18 to\n use the Service unless provision and guidance by parental.<\/p>\n <div class=\"gap\"><\/div>\n <p>Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the\n Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection,\n use and disclosure of Your personal information when You use the Application or the Website and tells You\n about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before\n using Our Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>Welcome to LOUISTHAI.COM, (hereinafter referred to as the "Website", "We,"\n "Us," or "Our"), owned and operated by Louis Thai International Group (Malaysia) Sdn\n Bhd (hereinafter referred to as "the Company") (Company No. 202101033331(1433631-V) which is\n incorporated in Kuala Lumpur, Malaysia with its registered office located at Tower 1 Grand Subang SS13,\n Jalan SS13\/4, Subang Jaya 47500, Selangor D.E. Malaysia. The Website is offered to You conditioned on Your\n acceptance without modification of the Terms, Conditions, and notices contained herein (the\n "Terms").<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"msg-board-ceo\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Message from the Board | Chief Executive Office & President<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"section-sub\">Chief Executive Office and President<\/div>\n <p>As the business landscape evolves rapidly and regulatory expectations continue to grow, it is imperative\n that we at Louis Thai Group remain firmly committed to upholding the highest standards of professionalism,\n transparency, and accountability.<\/p>\n <div class=\"gap\"><\/div>\n <p>The release of our Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) represents\n a significant step forward in reinforcing this commitment. This comprehensive document has been\n thoughtfully revised and expanded to reflect the dynamic needs of our clients, align with relevant\n Malaysian legislation, and further strengthen the integrity of our operations.<\/p>\n <p>Among the key enhancements in this edition are stronger provisions around data protection, responsible\n network usage, client conduct, and dispute resolution - areas that are increasingly vital in today's\n digital and highly connected business environment. <\/p>\n <div class=\"gap\"><\/div>\n <p>The introduction of the Digital Certificate Installation Consent & Network Usage Agreement within\n Article 23 exemplifies our proactive approach to ensuring secure, ethical, and compliant interactions\n across our network infrastructure.<\/p>\n <p>At Louis Thai Group, we view trust as the cornerstone of our relationships with our clients, partners,\n and stakeholders. The CTCA 2025 EDI 2.0 embodies this trust, providing clarity and confidence in every\n engagement we undertake.<\/p>\n <div class=\"gap\"><\/div>\n <p>We would like to express our sincere appreciation to all those who contributed to the development of this\n document and to our clients for their continued trust and support.<\/p>\n <p>As we look ahead, we remain committed to continuous improvement and to ensuring that our practices not\n only comply with legal standards but also reflect the values of integrity, respect, and service excellence\n that define the Louis Thai brand.<\/p>\n <div class=\"gap\"><\/div>\n <p>On behalf of the Board of Directors,<\/p>\n <div class=\"gap\"><\/div>\n <p>Wong Shee Yee, Louis<\/p>\n <p>Member of the Board of Director<\/p>\n <p>LOUIS THAI Group Malaysia<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"msg-board-proposed\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Message from the Board | Proposed Director<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"section-sub\">Proposed Director<\/div>\n <p>I am honoured to contribute to the Group's ongoing efforts to foster a culture of transparency,\n accountability, and client-centric service.<\/p>\n <div class=\"gap\"><\/div>\n <p>The Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) is not merely a legal\n document; it is a reflection of our core values and a testament to our unwavering commitment to protecting\n the rights and interests of our valued clients.<\/p>\n <p>In this latest edition, particular attention has been devoted to strengthening key areas such as data\n privacy, ethical client engagement, and responsible network usage - matters that have become increasingly\n vital in today's technology-driven business environment.<\/p>\n <div class=\"gap\"><\/div>\n <p>The incorporation of new provisions, including the Digital Certificate Installation Consent & Network\n Usage Agreement, ensures that our clients remain well-informed, empowered, and protected in all\n interactions with our network services.<\/p>\n <p>Although I do not yet serve as a member of the Board, I am privileged to support the Group's ongoing\n initiatives that promote robust corporate governance, legal compliance, and long-term client trust.<\/p>\n <div class=\"gap\"><\/div>\n <p>My involvement in this process is guided by the belief that clarity, fairness, and foresight are\n essential in crafting agreements that safeguard both the company and its clients. The meticulous structure\n of this Agreement reflects our commitment to ensuring peace of mind for every client engaging with Louis\n Thai Group.<\/p>\n <div class=\"gap\"><\/div>\n <p>I encourage all clients and stakeholders to review this document carefully and to reach out with any\n questions or feedback. Open dialogue and mutual understanding remain fundamental to building relationships\n that are not only long-lasting but grounded in trust - values that lie at the heart of Louis Thai Group.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>On behalf of the Board of Directors,<\/p>\n <div class=\"gap\"><\/div>\n <p>Heng Kai Lun, Henry<\/p>\n <p>Proposed Director <\/p>\n <p>LOUIS THAI Group Kuala Lumpur<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"msg-stakeholder\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Message from the Stakeholder | Equity Stakeholder<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"section-sub\">Equity Stakeholder<\/div>\n <p>As a stakeholder of Louis Thai Group, I am pleased to witness the continuous evolution of our corporate\n governance practices and our unwavering commitment to serving clients with the highest standards of\n integrity and transparency.<\/p>\n <div class=\"gap\"><\/div>\n <p>The release of the Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) marks a\n significant milestone in our ongoing journey to build a client-first organization that upholds legal\n compliance and fosters trust in every interaction.<\/p>\n <div class=\"gap\"><\/div>\n <p>From strengthened data protection provisions to a renewed focus on ethical network usage and client\n conduct, this Agreement demonstrates that Louis Thai Group not only embraces regulatory requirements but\n also proactively sets internal standards that exceed them.<\/p>\n <div class=\"gap\"><\/div>\n <p>As stakeholders, we fully support the Group's efforts to provide clients with clear, transparent,\n and legally sound policies. The inclusion of the Digital Certificate Installation Consent & Network\n Usage Agreement further exemplifies the Group's dedication to respecting clients' privacy and\n empowering them with informed choices.<\/p>\n <div class=\"gap\"><\/div>\n <p>We believe that trust, transparency, and accountability are the foundations of sustainable success. This\n updated Agreement is a living embodiment of those principles, and we encourage all clients and partners to\n engage with it openly and constructively.<\/p>\n <div class=\"gap\"><\/div>\n <p>We look forward to continuing to work alongside the leadership team and the broader community to uphold\n the values that make Louis Thai Group a trusted name in its field.<\/p>\n <div class=\"gap\"><\/div>\n <p>On behalf of the Stakeholders,<\/p>\n <div class=\"gap\"><\/div>\n <p>Stakeholder Representative<\/p>\n <p>Stakeholder<\/p>\n <p>LOUIS THAI Group Malaysia<\/p>\n <\/div>\n <\/details>\n\n <section class=\"section\" id=\"article-1\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 1<\/h2>\n <div class=\"section-sub\">DEFINITIONS AND PROVISIONS INTERPRETATION AND DEFINITIONS OF THE AGREEMENT<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>DEFINITIONS AND PROVISIONS INTERPRETATION AND DEFINITIONS OF THE AGREEMENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-1-interpretation\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Interpretation<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>Interpretation<\/strong><\/p>\n <p>The words of which the initial letter is capitalized have meanings defined under the following\n conditions. The following definitions shall have the same meaning regardless of whether they appear in\n singular or in plural.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-1-definitions\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Definitions<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>Definitions<\/strong><\/p>\n <pre><strong>For the purposes of these Terms and Conditions:<\/strong><\/pre>\n <pre><strong>\"Affiliate\"<\/strong> 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.<\/pre>\n <pre><strong>\"Company Louis Thai International Group Sdn. Bhd.\"<\/strong> A company incorporated in Malaysia with registration number 202101033331 (1433631-V), referred to as "the Company", "We", "Us", or "Our" in this Agreement.<\/pre>\n <pre><strong>\"Country\"<\/strong> Malaysia.<\/pre>\n <pre><strong>\"Data\"<\/strong> 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).<\/pre>\n <pre><strong>\"Device\"<\/strong> Any electronic device capable of accessing the Service, including but not limited to a computer, cell-phone, or digital tablet.<\/pre>\n <pre><strong>\"FOC\"<\/strong> 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.<\/pre>\n <pre><strong>\"Group\"<\/strong> 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"<\/pre>\n <pre>re<strong>\"International\"<\/strong> Any country or jurisdiction outside Malaysia.<\/pre>\n <pre><strong>\"Platform\"<\/strong> The Company's online infrastructure, including the Website (https:\/\/louisthai.com) and related digital channels, used to offer and deliver Services and Products.<\/pre>\n <pre><strong>\"Product Tangible<\/strong> Goods offered by the Company, including but not limited to talismans, ritual items, and wholesale goods under MSIC 46909.<\/pre>\n <pre><strong>\"Service\"<\/strong> 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.<\/pre>\n <pre><strong>\"Terms and Conditions\"<\/strong> This agreement, referred to as "Terms" or "Agreement", governing the relationship between You and the Company regarding the use of the Service and Platform.<\/pre>\n <pre><strong>\"Third-party\"<\/strong> 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.<\/pre>\n <pre><strong>\"User\"<\/strong> 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.<\/pre>\n <pre><strong>\"Warranty\"<\/strong> 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 <\/pre>\n <pre><strong>\"Website\"<\/strong> The Company's official website, accessible at https:\/\/louisthai.com.<\/pre>\n <pre><strong>\"Witthi\"<\/strong> 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).<\/pre>\n <pre><strong>\"You\"<\/strong> 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.<\/pre>\n <pre><strong>\"You, Your, Yourself\"<\/strong> 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. <\/pre>\n <pre><strong>\"Zero Tolerance Policy\"<\/strong> The Company's policy prohibiting specific behaviors, as outlined in Clause 30, to ensure a safe and respectful environment for all Users and staff.<\/pre>\n <pre>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.<\/pre>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n <\/section>\n\n <\/section>\n\n <section class=\"section\" id=\"article-2\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 2<\/h2>\n <div class=\"section-sub\">COMMENCEMENT<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>COMMENCEMENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-2-1\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">CAPTIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>The title or caption of each Article of these Terms & Conditions Section is for understanding purpose\n and is not to be used for interpretation of the text.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-2-2\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">ACKNOWLEDGMENT<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>These are the Terms and Conditions governing the use of this Service and the agreement that operates\n between You and the Company. These Terms and Conditions set out the rights and obligations of all users\n regarding the use of the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>Your access to and use of the Service is conditioned on Your acceptance of and compliance with these\n Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use\n the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree\n with any part of these Terms and Conditions, then You may not access the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>You represent that you are over the age of eighteen (18). The Company does not permit those under 18 to\n use the Service unless provision and guidance by parental.<\/p>\n <div class=\"gap\"><\/div>\n <p>Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the\n Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection,\n use and disclosure of Your personal information when You use the Application or the Website and tells You\n about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before\n using Our Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>Welcome to LOUISTHAI.COM, (hereinafter referred to as the "Website", "We,"\n "Us," or "Our"), owned and operated by Louis Thai International Group (Malaysia) Sdn\n Bhd (hereinafter referred to as "the Company") (Company No. 202101033331(1433631-V) which is\n incorporated in Kuala Lumpur, Malaysia with its registered office located at Tower 1 Grand Subang SS13,\n Jalan SS13\/4, Subang Jaya 47500, Selangor D.E. Malaysia. The Website is offered to You conditioned on Your\n acceptance without modification of the Terms, Conditions, and notices contained herein (the\n "Terms").<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-2-3\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">ENTIRE AGREEMENT<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>These Terms and Conditions constitute the entire agreement between You (the User) and the Company (Louis\n Thai International Group Sdn Bhd) regarding the use of the Services, Products, and Platform, and supersede\n all prior or contemporaneous understandings, representations, agreements, or communications, whether oral,\n written, or electronic. No modifications or amendments shall be effective unless in writing and signed by\n both parties or expressly accepted via the Platform in accordance with Clause 16 (Amendment). This clause\n is governed by the Contracts Act 1950.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-3\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 3<\/h2>\n <div class=\"section-sub\">CONDITIONS PRECEDENT<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>CONDITIONS PRECEDENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-1-1\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 1 | INTRODUCTION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>1.1 Our Website is a Platform (hereinafter referred to as "Platform") where for the sales and\n services offered by the Company. The Users of the Website shall be referred to as "You,"\n "Your," or "Users."<\/p>\n <div class=\"gap\"><\/div>\n <p>1.2 By clicking on the "Accept" button at the end of the Agreement acceptance form, Users agree\n to be bound by the Terms and Conditions of this Agreement. Please read this entire Agreement carefully\n before accepting its Terms. When You undertake any activity on the Website, You agree to accept these\n Terms and Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p>1.3 In using this Website, You are deemed to have read and agreed to the following Terms and Conditions\n set forth herein. Any incidental documents and links mentioned shall be accepted jointly with these Terms.\n You agree to use the Website only in strict interpretation and acceptance of these Terms, and any actions\n or commitments made without regard to these Terms shall be at Your own risk. These Terms and Conditions\n form part of the Agreement between the Users and Us. By accessing this Website, and\/or undertaking to\n perform a Service provided by Us indicates Your understanding, agreement to and acceptance of the\n disclaimer notice, and the full Terms and Conditions contained herein.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-4\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 4<\/h2>\n <div class=\"section-sub\">GENERAL OF ELIGIBILITY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>GENERAL OF ELIGIBILITY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-2-1\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 2 | ELIGIBILITY OF THE USER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>1.1 You may use the Service only if You are at least eighteen (18) years of age and can form a binding\n contract with Us, and only in compliance with this Agreement and all applicable local, state, national,\n and international laws, rules and regulations.<\/p>\n <div class=\"gap\"><\/div>\n <p>1.2 Unauthorized Users are strictly prohibited from accessing or attempting to access, directly or\n indirectly, the Platform. Any such unauthorized use is strictly forbidden and shall constitute a violation\n of applicable state and local laws.<\/p>\n <div class=\"gap\"><\/div>\n <p>1.3 Our Website may, in its sole discretion, refuse to offer access to or use of the Platform to any\n person or entity, and change its eligibility criteria at any time. This provision is void where prohibited\n by law and the right to access the Website is revoked in such jurisdictions.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-5\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 5<\/h2>\n <div class=\"section-sub\">OFFER AND ACCEPTANCE<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>OFFER AND ACCEPTANCE<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-5-3\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 3 | RELIGIOUS AND LEGAL COMPLIANCE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>3.1 You represent and warrant that Your use of the Services or Products does not conflict with Your\n personal religious beliefs, obligations, or any applicable laws, including but not limited to Syariah laws\n if You are a Muslim under Malaysian jurisdiction.<\/p>\n <div class=\"gap\"><\/div>\n <p>3.2 The Company provides Services rooted in Thai spiritual traditions, which may include fortune-telling,\n rituals, or blessings (e.g., under MSIC 96092). These are offered for entertainment, personal guidance, or\n cultural purposes only, with no guaranteed outcomes (cross-reference Clause 3.4). The Company does not\n promote or encourage deviation from any religion, including Islam.<\/p>\n <div class=\"gap\"><\/div>\n <p>3.3 If You are a Muslim (as defined under Malaysian law), You acknowledge that certain Services may be\n incompatible with Islamic teachings (e.g., prohibitions on sorcery or non-Islamic rituals under the\n Syariah Criminal Offences Act or state enactments). By proceeding, You confirm that Your participation is\n voluntary, informed, and at Your own risk.<\/p>\n <div class=\"gap\"><\/div>\n <p>3.4 You agree to indemnify and hold harmless the Company, its affiliates, directors, and staff from any\n claims, liabilities, or consequences arising from Your use of the Services in violation of Your religious\n or legal obligations, including any Syariah proceedings.<\/p>\n <div class=\"gap\"><\/div>\n <p>3.5 The Company reserves the right to refuse or terminate Services if it reasonably believes they may\n conflict with applicable laws or Your declared religious affiliations, without liability (cross-reference\n Clause 2.3).<\/p>\n <div class=\"gap\"><\/div>\n <p>3.6 This clause is governed by Malaysian law, including the Federal Constitution (Article 11), Consumer\n Protection Act 1999, and relevant Syariah enactments, and disputes shall be resolved under Clause 45\n (Dispute Resolution).<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-5-4\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 4 | SERVICES OFFERED BY THE PLATFORM<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>4.1 All the payments made and monies paid are final and conclusive, and the whole sum is due upon\n purchase. If You have failed to complete the full or partial payment as specified, it shall be assumed\n that You have not made the payment in full, and the Company shall not deliver the goods or services to\n You.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.2 All products and services offered have limited quantity and the Company shall not provide any refund\n for any of the goods and services provided.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.3 Any "all-consultation" services shall only be charged on a one-time off basis, with a\n complimentary follow-up consultation within thirty (30) days from the date of purchase.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.4 The Company does not guarantee that any of the goods and\/or services provided would create the same\n mystic abilities as envisioned by You. The Company will carry out its' best abilities in the\n blessings and rituals, and ensuring that the procedures are properly and ethically executed. In an others\n said; LOUIS THAI does not guarantee specific outcomes or results from ritual or fortune-telling services,\n as such outcomes are subjective and depend on individual circumstances. The Company will perform all\n Services with reasonable care and skill.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.5 In the event You are dissatisfied with the blessing or ritual services which was carried out, You\n shall notify us in writing by way of WhatsApp, email, Facebook Messenger, or via our official website, no\n later than twenty one (21) days from the date of the ritual service. All complaints made shall be\n reasonably justified.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.6 The Company shall review the complaint made pursuant to Article 5, Section 3.5. above, and in the\n event the Company finds the reasons of the complaint is reasonable, the Company may exercise its'\n discretion to schedule an additional one-time ritual or blessing at the Company's expense. However,\n this is limited to certain ritual only and the decision of the Company is final and conclusive.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.7 You have the right to either accept, or decline the ritual product or blessings in Article 5, Section\n 3.6. above.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.8 In the event you are dissatisfied with the products purchased from the Company, You shall notify us\n in writing by way of WhatsApp, email, Facebook Messenger, or via our official website, no later than\n twenty-four (24) hours from the time of purchase. The decision of the Company to review and provide a\n refund or replacement is final and conclusive, and compensate is final and conclusive. <\/p>\n <div class=\"gap\"><\/div>\n <p>4.9 In the event You receive damaged goods due to the Company's negligence in assessing the\n condition of the goods before handing over to You, the Company shall provide a replacement at the\n Company's expense.<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-5-5\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 5 | YOU AGREE AND CONFIRM<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>5.1 That You will use the Services provided by Our Platform, its Affiliates and contracted Companies, for\n lawful purposes only and comply with all applicable laws and regulations while using the Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.2 That You will provide authentic and true information in all instances where such information is\n requested of You. We reserve the right to confirm and validate the information and other details provided\n by You at any point in time. If upon confirmation Your details are found not to be true (wholly or\n partly), We have the right in Our sole discretion to reject the registration and debar You from using the\n Services of Our Platform and\/or other affiliated websites without prior intimation whatsoever.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.3 That You are accessing the Services available on this Website and transacting at Your sole risk and\n are using Your best and prudent judgment before entering into any dealings through this Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.4 It is possible that the other Users (including unauthorized\/unregistered users or\n "hackers") may post or transmit offensive or obscene materials on the Platform and that You may\n be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain\n personal information about You due to Your use of the Platform, and that the recipient may use such\n information to harass or injure You. We do not approve of such unauthorized uses, but by using the\n Platform, You acknowledge and agree that We are not responsible for the use of any personal information\n that You publicly disclose or share with others on the Platform. Please carefully select the type of\n information that You publicly disclose or share with others on the Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.5 You agree to not post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene,\n vulgar, pornographic, profane or indecent information or description\/image\/text\/graphic of any kind,\n including without limitation any transmissions constituting or encouraging conduct that would constitute a\n criminal offense, give rise to civil liability or otherwise violate any local, state, national, or\n international law.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.6 You agree to not post or transmit any information, software, or other material which violates or\n infringes the rights of others, including material which is an invasion of privacy or publicity rights or\n which is protected by copyright, trademark or other proprietary right, or derivative works with respect\n thereto, without first obtaining permission from the owner or right holder.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.7 You agree to not alter, damage or delete any Content or other communications that are not Your own\n Content or to otherwise interfere with the ability of others to access Our Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.8 You agree to indemnify and keep indemnified the Company from all claims\/losses (including\n advocates' fees for defending\/prosecuting any case) that may arise against the Company due to\n acts\/omission on the part of the User.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.9 All payments shall be made to the bank account specified in the Company's invoice or payment\n instructions provided at the time of purchase.<\/p>\n <div class=\"gap\"><\/div>\n <p>Bank Name:\n <pre>HONG LEONG BANK BERHAD<\/pre>\n <\/p>\n <p>Account Holder Name:\n <pre>LOUIS THAI INTERNATIONAL GROUP SDN BHD<\/pre>\n <\/p>\n <p>Account No.:\n <pre>045 0033 1725<\/pre>\n <\/p>\n <p>Swift Code:\n <pre>HLBBMYKLXXX<\/pre>\n <\/p>\n <p>City:\n <pre>KUALA LUMPUR<\/pre>\n <\/p>\n <p>Country:\n <pre>MALAYSIA<\/pre>\n <\/p>\n <div class=\"gap\"><\/div>\n <p>5.10 The User shall provide the payment receipt or transaction proof to the Company. If the payment is\n not received within 3 working days, the Order will be cancelled without further notice.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.11 An additional charge of RM 200.00 shall be applicable for materials required for product such as;\n Witthi 9 Chan, Witthi 9 Hong and Witthi 3 Liam. The fees are only applicable in the Malaysian branch, if\n the User is unable to prepare for the materials.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.12 The free products and\/or services shall only be applicable to the User solely. No transfer of\n ownership or benefits of any kind. Further discounts shall subject to the Company's decision.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.13 For buyers outside of Malaysia, all prices quoted are subject to foreign exchange fees and the\n delivery of products and services shall depend on the market price. <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>5.14 Instalment Plan<\/strong><\/p>\n <p>a. The Company provides instalment plan for orders exceeding RM 5,000.00<\/p>\n <p>b. The full payments shall be made within 60 days from the date of the invoice issued to waive the\n interest charge.<\/p>\n <p>c. All late payments will be subjected to a penalty of 1.0% - 1.5% per month of the total price. (Ref:\n Article 12 Default and Enforcement Of Security Interest)<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>5.15 Price Fixation Guarantee<\/strong><\/p>\n <p><strong>a. Commitment<\/strong><\/p>\n <p>The Company guarantees that the listed prices for Products (e.g., talismans under MSIC 46909) and\n Services (e.g., fortune-telling, rituals under MSIC 96092) shall remain unchanged for a fixed term of\n 2025-2027, subject to the exceptions outlined below. This guarantee is provided to ensure price stability\n and transparency for You.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>b. Scope<\/strong><\/p>\n <p>(i) This guarantee covers all retail and service prices published on the Company's official Website\n (https:\/\/louisthai.com), invoices, and approved marketing materials.<\/p>\n <p>(ii) Prices are fixed in Malaysian Ringgit (RM) and apply to domestic transactions unless otherwise\n specified for international users (Clause 4.13).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>c. Exceptions<\/strong><\/p>\n <p>The guarantee does not apply in the following circumstances:<\/p>\n <p>(i) Regulatory or statutory changes, including but not limited to new taxes, tariffs, or amendments to\n Malaysian laws (e.g., under the Consumer Protection Act 1999).<\/p>\n <p>(ii) Force majeure events, as defined in Clause 25 (e.g., natural disasters, government restrictions, or\n supply chain disruptions).<\/p>\n <p>(iii) Extraordinary cost escalations beyond 25% of raw material prices, verified by independent\n third-party documentation.<\/p>\n <p><strong>d. Client Rights<\/strong><\/p>\n <p>In the event of a breach of this guarantee:<\/p>\n <p>(i) You may request written justification from the Company via email (support@louisthai.com) or WhatsApp,\n which We will provide within 7 working days.<\/p>\n <p>(ii) You may cancel Your order without penalty and receive a full refund, subject to Clause 34 (Refunds).\n <\/p>\n <p>(iii) You may seek alternative solutions mutually agreed upon, such as price adjustments or equivalent\n Services\/Products at the original price.<\/p>\n <p>(iv) All requests must be submitted within 21 days of the price change notification, providing proof of\n the original quoted price.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>e. Legal Force<\/strong><\/p>\n <p>This clause shall be binding and enforceable under Malaysian law, specifically the Consumer Protection\n Act 1999 (ensuring fair trading practices) and the Contracts Act 1950 (governing contractual agreements).\n Any disputes arising from this guarantee shall be resolved under Clause 45 (Dispute Resolution), including\n mediation and arbitration.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>f. Limitation of Liability<\/strong><\/p>\n <p>The Company shall not be liable for indirect losses (e.g., loss of anticipated savings) arising from\n exceptions to this guarantee, except as required by law (cross-reference Clause 17).<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-6\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 6<\/h2>\n <div class=\"section-sub\">THE WARRANTIES<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>THE WARRANTIES<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-6-6\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 6 | WARRANTIES, REPRESENTATION AND UNDERTAKINGS OF USER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>6.1 The User warrants and represents that;<\/strong><\/p>\n <p>(a) all obligations narrated under this Agreement are legal, valid, binding and enforceable in law\n against the User.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>6.2 The User agrees that;<\/strong>\n <p>(a) there are no proceedings pending against the User, which may have a material adverse effect on its\n ability to perform and meet the obligations under this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The User agrees that it shall, at all times, ensure compliance with all the requirements applicable\n to its business and for the purposes of this Agreement including but not limited to intellectual property\n rights, value-added tax, excise and import duties, etc.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) It further declares and confirms that it has paid and shall continue to discharge all its obligations\n towards statutory authorities.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>6.3 The User agrees that;<\/p><\/strong><\/p>\n <p>(a) it has adequate rights under relevant laws including but not limited to various intellectual property\n legislation(s) to enter into this Agreement with the Company and perform the obligations contained herein\n and that it has not violated\/infringed any intellectual property rights of any third party.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>6.4 The User agrees that;<\/strong><\/p>\n <p>(a) appropriate disclaimers and Terms of use on the Company's Website shall be placed by the\n Company.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>6.5 For Fortune Services;<\/strong><\/p>\n <p>(a) You may purchase a special warranty plan by paying an additional RM 25.00 for thirty (30) days or\/and\n RM 50.00 for one hundred and eighty (180) days from the date of service.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) This warranty allows one (1) follow-up consultation to address questions related to the original\n service, subject to availability and booking.<\/p>\n <div class=\"gap\"><\/div>\n <p>6.6 The plan is <strong>not entitled to;<\/strong><\/p>\n <p>(a) any changes in name or\/and;<\/p>\n <p> (i) refund and is applicable for thirty (30) days and;<\/p>\n <p> (ii) one hundred and eighty (180) days respectively, from the date of the service carried out.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Special warranty enables the User to <strong>enquire on<\/strong> questions forgotten during the\n consultation service, any nothing more.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-6-7\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 7 | PRODUCT CARE, DAMAGE, AND REPLACEMENT LIMITATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>7.1 Nature of Tangible Spiritual Products<\/strong><\/p>\n <p>(a) The User acknowledges that all tangible spiritual products offered by the Company, including but not\n limited to amulets, talismans, ritual artifacts, blessed items, and related spiritual products\n ("Tangible Products"), are inherently delicate in nature and may be subject to physical damage,\n wear, or deterioration arising from personal handling, environmental exposure, accidental impact, or\n improper use.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.2 Limitation of Company Responsibility<\/strong><\/p>\n <p>(a) The Company shall not be liable for, nor obliged to replace, refund, repair, or reissue any Tangible\n Product that is damaged, broken, lost, altered, or rendered unusable after delivery, where such condition\n arises from personal use, mishandling, accidental force, negligence, third-party interference,\n environmental factors, or any cause beyond the Company's reasonable control.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.3 Exclusion of Implied Warranty<\/strong><\/p>\n <p>(a) Except as expressly provided under Article 5, no warranty, whether express or implied, including but\n not limited to any implied warranty of durability, longevity, merchantability, fitness for purpose, or\n perpetual physical or spiritual integrity, shall apply to Tangible Products after delivery.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.4 Energetic and Spiritual Disclaimer<\/strong><\/p>\n <p>(a) The User expressly acknowledges that any perceived spiritual, symbolic, metaphysical, or energetic\n attributes associated with Tangible Products are inherently subjective and personal in nature.\n <p>(b) The Company makes no representation, warranty, or guarantee that such attributes shall remain\n unchanged following usage, damage, alteration, handling by third parties, or the passage of time.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.5 Goodwill Facilitation (Non-Obligatory)<\/strong><\/p>\n <p>(a) Notwithstanding the foregoing, the Company may, at its sole and absolute discretion, consider\n facilitating the re-creation, re-issuance, or re-blessing of a Tangible Product as a gesture of goodwill.\n <\/p>\n <p>(b) Any such facilitation shall be subject to material availability, ritual requirements, applicable\n fees, and internal assessment, and shall not constitute a replacement, refund, extension of warranty, or\n continuation of the original transaction.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.6 No Precedent and Non-Waiver<\/strong><\/p>\n <p>(a) Any goodwill facilitation granted under this Clause shall be made strictly on a case-by-case basis\n and shall not establish precedent, expectation, or entitlement for future claims.\n <p>(b) Failure by the Company to enforce any provision of this Agreement shall not be construed as a waiver\n of its rights.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-6-8\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 8 | NO GUARANTEE OF OUTCOMES & NON-RELIANCE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>8.1 No Guarantee of Outcomes<\/strong><\/p>\n <p>(a) The User expressly acknowledges that all services, consultations, spiritual interpretations, ritual\n facilitation, and related products provided by the Company are offered on an interpretative, symbolic, and\n advisory basis only.<\/p>\n <p>(b) The Company does not guarantee, warrant, or represent any specific outcome, result, success,\n accuracy, effectiveness, or consequence arising from the use of its services or products.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>8.2 No Reliance as Sole Basis for Decision-Making<\/strong><\/p>\n <p>(a) The User agrees that any information, insight, opinion, recommendation, or interpretation provided by\n the Company shall not be relied upon as the sole, primary, or determinative basis for making personal,\n financial, medical, legal, business, investment, relationship, or other significant life decisions.<\/p>\n <p>(b) The User is strongly encouraged to seek independent professional advice where appropriate.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>8.3 Personal Responsibility<\/strong><\/p>\n <p>(a) The User remains fully and solely responsible for all decisions, actions, and consequences arising\n from their reliance on, interpretation of, or use of the Company\u2019s services or products.<\/p>\n <p>(b) The Company expressly disclaims liability for outcomes arising from the User\u2019s decisions, to the\n maximum extent permitted by law.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>8.4 No Misrepresentation<\/strong><\/p>\n <p>(a) The User acknowledges that the Company does not present itself as providing guaranteed predictions,\n fixed outcomes, or absolute determinations of future events.<\/p>\n <p>(b) Differences between the User\u2019s expectations, beliefs, interpretations, or experiences and any\n perceived outcomes shall not, of themselves, constitute misrepresentation, deception, or breach by the\n Company.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-6-9\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 9 | SERVICE SCOPE & LIMITATION OF INTERPRETATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>9.1 Defined Scope of Services<\/strong><\/p>\n <p>(a) The Company provides interpretative and advisory services which may include consultations, analyses,\n spiritual guidance, ritual facilitation, and informational content.<\/p>\n <p>(b) The scope of any engagement shall be limited strictly to what is expressly stated at the time of\n purchase or engagement.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>9.2 Limitation of Interpretation<\/strong><\/p>\n <p>(a) All interpretations, assessments, and recommendations are inherently contextual, time-sensitive, and\n dependent on the information provided by the User.<\/p>\n <p>(b) The User acknowledges that interpretations may vary as circumstances evolve, and that no\n interpretation is exhaustive or definitive.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>9.3 No Regulated Professional Advice<\/strong><\/p>\n <p>(a) The Company\u2019s services do not constitute legal, medical, psychiatric, financial, investment,\n insurance, or other regulated professional advice.<\/p>\n <p>(b) The User should obtain independent professional advice from qualified practitioners where\n appropriate.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>9.4 User Cooperation and Information Quality<\/strong><\/p>\n <p>(a) The User is responsible for providing complete, accurate, and timely information.<\/p>\n <p>(b) The Company shall not be responsible for misunderstandings, dissatisfaction, or outcomes arising from\n incomplete, inaccurate, or withheld information.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-6-10\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 10 | SPIRITUAL SUBJECTIVITY & INDIVIDUAL VARIATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>10.1 Subjective Nature<\/strong><\/p>\n <p>(a) The User acknowledges that spiritual, metaphysical, symbolic, and energetic experiences are\n inherently subjective.<\/p>\n <p>(b) Individual perceptions, beliefs, sensitivity, culture, and personal interpretation may materially\n influence how the User experiences or evaluates any service or product.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>10.2 Individual Variation<\/strong><\/p>\n <p>(a) The Company does not warrant that two individuals will experience the same effects, perceptions, or\n outcomes from identical services or products.<\/p>\n <p>(b) Differences in personal circumstances, mindset, and external factors may lead to differing\n experiences.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>10.3 No Dispute Based Solely on Subjective Experience<\/strong><\/p>\n <p>(a) To the maximum extent permitted by law, the User agrees that subjective dissatisfaction, personal\n feelings, or spiritual perceptions alone shall not constitute evidence of breach, misrepresentation, or\n entitlement to replacement, refund, compensation, or other remedies against the Company.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-7\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 7<\/h2>\n <div class=\"section-sub\">LICENCE RESTRICTIONS<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>LICENCE RESTRICTIONS<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-7-11\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 11 | INTELLECTUAL PROPERTY RIGHTS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>11.1 The User expressly authorizes the Company to use its trademarks\/copyrights\/designs\/logos and other\n intellectual property owned and\/or licensed by it for the purpose of reproduction on the Platform and at\n such other places as the Company may deem necessary. It is expressly agreed and clarified that, except as\n specified agreed in this Agreement, each Party shall retain all right, title and interest in their\n respective trademarks and logos and that nothing contained in this Agreement, nor the use of the\n trademarks\/logos in the publicity, advertising, promotional or other material in relation to the Services\n shall be construed as giving to any Party any right, title or interest of any nature whatsoever to any of\n the other Party's trademarks and\/or logos.<\/p>\n <div class=\"gap\"><\/div>\n <p>11.2 The Company's Website and other Platforms, and the information and materials that it contains,\n are the property of the Company and its licensors, and are protected from unauthorized copying and\n dissemination by copyright law, trademark law, international conventions, and other intellectual property\n laws. All the Company's product names and logos are trademarks or registered trademarks. Nothing\n contained on the Company's Website should be interpreted as granting, by implication, estoppel, or\n otherwise, any license or right to use the Company's Website or any materials displayed on the\n Company's Website, through the use of framing or otherwise, except: <\/p>\n <div class=\"gap\"><\/div>\n <p>(a) as expressly permitted by these Terms and Conditions; or <\/p>\n <p>(b) with the prior written consent of the Company.<\/p>\n <p>(c) The User shall not attempt to override or circumvent any of the usage rules or restrictions on the\n Website.<\/pre>\n <div class=\"gap\"><\/div>\n <p>11.3 Except as otherwise expressly granted to You in writing, We do not grant You any other express or\n implied right or license to the Services, Our Content or Our intellectual property rights.<\/p>\n <div class=\"gap\"><\/div>\n <p>11.4 Proprietary Rights. Subject to the limited rights expressly granted in this Agreement, the Company\n reserves all rights, title and interest in and to the Service, including all related intellectual property\n rights. No rights are granted to the User in this Agreement other than as expressly outlined in this\n Agreement.<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-7-12\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 12 | DATA<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>12.1 "Data" means any identifiable information about You or Your affiliates generated or\n collected by the Company, including but not limited to Your name, email addresses, phone numbers, and\n Service preferences. The Company will process all Data in compliance with the Personal Data Protection Act\n 2010 (PDPA).<\/p>\n <div class=\"gap\"><\/div>\n <p>12.2 The User represents, warrants, and covenants that it will not resell or otherwise disclose any Data\n to any third party, in whole or in part, for any purpose whatsoever.<\/p>\n <div class=\"gap\"><\/div>\n <p>12.3 The User acknowledges that the Services may contain information which is designated as confidential\n by the Company and that You shall not disclose such information without the Company's prior written\n consent.<\/p>\n <div class=\"gap\"><\/div>\n <p>12.4 By submitting Content (e.g., reviews or feedback), You grant Us a nonexclusive, royalty-free right\n to use such Content solely for providing and promoting Our Services, subject to Our Privacy Policy.<\/p>\n <div class=\"gap\"><\/div>\n <p>12.5 We may obtain business addresses, phone numbers, and other contact information from third- party\n vendors who obtain their Data from public sources. We have no control over, and make no representation or\n endorsement regarding the accuracy, relevancy, copyright compliance, legality, completeness, timeliness or\n quality of any products, services, advertisements and other Content appearing in or linked to the\n Services.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-7-13\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 13 | VOICE RECORDING OF PHONE COMMUNICATIONS FOR LEARNING PURPOSES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>13.1 Purpose of Recording<\/strong><\/p>\n <p>LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") may record phone conversations between Our staff and customers for the purpose of\n training, quality assurance, and improving Our Services ("Learning Purposes"). This clause\n outlines the terms under which such recordings are conducted.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.2 Consent to Recording<\/strong><\/p>\n <p>(a) By engaging in phone communications with LOUIS THAI staff, You acknowledge and consent to the\n recording of the conversation for Learning Purposes. Prior to the start of any recording, We will notify\n You verbally (e.g., through an automated message or a statement by Our staff) that the call may be\n recorded. <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) If You do not wish for the call to be recorded, You may inform Our staff, and We will disable the\n recording for that specific call or offer alternative communication methods (e.g., email or in-person\n consultation).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.3 Use of Recordings<\/strong><\/p>\n <p>(a) Voice recordings will be used solely for Learning Purposes, which include staff training, evaluating\n service quality, and enhancing customer experience.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Recordings will not be used for any other purpose unless We obtain Your additional consent or as\n required by law.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Recordings will not be shared with third parties except as necessary for Learning Purposes (e.g.,\n with internal training teams) or as required by law.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.4 Data Retention, Data Storage and Data Security<\/strong><\/p>\n <p>(a) All recordings are stored securely using 256-bit encryption in compliance with the Personal Data\n Protection Act 2010 (PDPA). <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Recordings are retained for a maximum of six (6) months and automatically deleted thereafter, unless\n required by law or for ongoing dispute resolution.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) All voice recordings will be stored securely in compliance with the Personal Data Protection Act 2010\n (PDPA) to prevent unauthorized access, disclosure, or loss.<\/p>\n <div class=\"gap\"><\/div>\n <p>(d) Recordings will be retained only for as long as necessary to fulfill the Learning Purposes, after\n which they will be securely deleted. Typically, recordings will be retained for a maximum period of 6\n months, unless a longer retention period is required by law or for specific training needs.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.5 Revocation of Consent<\/strong><\/p>\n <p>(a) You may revoke Your consent to call recordings at any time by submitting a written request to\n support@louisthai.com. <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Upon receipt, the Company will cease recording future calls and delete any existing recordings of\n You, subject to legal retention obligations.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.6 Your Rights<\/strong><\/p>\n <p>Under the PDPA, You have the right to:<\/p>\n <p>(a) Request access to any recordings of Your phone conversations held by LOUIS THAI.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Request correction or deletion of the recordings if they contain inaccuracies.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Withdraw Your consent for future recordings by notifying Us in writing (though this will not affect\n recordings already made with Your prior consent). To exercise these rights, please contact Us.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.7 Transparency and Notification<\/strong><\/p>\n <p>(a) We will notify You at the beginning of each phone call if the conversation may be recorded, giving\n You the opportunity to opt out.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) If You choose to opt out, You may still proceed with the call without being recorded, or You may\n select an alternative communication method offered by LOUIS THAI.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.8 Limitation of Liability<\/strong><\/p>\n <p>(a) LOUIS THAI shall not be liable for any damages arising from the lawful recording, storage, or use of\n phone conversations in accordance with this clause, except in cases of gross negligence or willful\n misconduct.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.9 Compliance with Law<\/strong><\/p>\n <p>(a) All voice recordings will be conducted in compliance with the Personal Data Protection Act 2010\n (PDPA) and other applicable laws in Malaysia.<\/p>\n <p>(b) In the event of a conflict between this clause and any legal requirement, the latter shall prevail,\n and LOUIS THAI will adjust its practices accordingly.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-7-14\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 14 | LIMITATION ON USE OF SERVICES FOR SPECIFIC PURPOSES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>14.1 Purpose<\/strong><\/p>\n <p>LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") provides fortune-telling, ritual, and related services for personal guidance,\n self-reflection, and spiritual purposes only. This clause outlines restrictions on how You may use Our\n Services to ensure ethical and lawful engagement.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>14.2 Prohibited Uses<\/strong><\/p>\n <p>You <strong>agree<\/strong> not to use Our Services, including but not limited to fortune-telling\n consultations, rituals, or products, for:<\/p>\n <p>(a) Unlawful purposes, including but not limited to fraud, coercion, or activities prohibited under\n Malaysian law.<\/p>\n <p>(b) Harmful or unethical intentions, such as attempting to manipulate or harm others, whether physically,\n emotionally, or financially.<\/p>\n <p>(c) Commercial exploitation without Our prior written consent, such as reselling Our Services or using\n Our advice for profit-driven schemes.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>14.3 Consequences of Misuse<\/strong><\/p>\n <p>(a) If We determine, in Our sole discretion, that You have misused Our Services, We reserve the right to\n terminate Your access to Our Services immediately without refund and ban You from future engagement.<\/p>\n <p>(b) You shall indemnify LOUIS THAI against any claims, losses, or damages arising from Your misuse of Our\n Services.<\/p>\n <p>(c) We may report any illegal activities to the relevant authorities in accordance with Malaysian law.\n <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>14.4 Acknowledgement<\/strong><\/p>\n <p>By engaging with Our Services, You acknowledge that they are provided for personal and lawful purposes\n only and that LOUIS THAI does not endorse or support any misuse as described in this clause.<\/p>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-8\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 8<\/h2>\n <div class=\"section-sub\">LIMITATIONS OF LIABILITY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>LIMITATIONS OF LIABILITY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-8-15\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 15 | RELATIONSHIP<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>15.1 Nothing in this Agreement will be construed as creating a relationship of partnership, joint\n venture, agency, or employment between the Parties. The Company shall not be responsible for the acts or\n omissions of the User, and the User shall not represent the Company, neither does it have any power or\n authority to speak for, represent, bind, or assume any obligation on behalf of the Company.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-8-16\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 16 | INDEMNITY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>16.1 The User indemnifies and shall hold indemnified the Company, its partners, officers, employees,\n representatives, and agents from and against all losses, damages, claims, suits, legal proceedings and\n otherwise howsoever arising from or in connection with any claim, including but not limited to claims for\n any infringement of any intellectual property rights or any other rights of any third party or of law,\n concerning quality, quantity and any claim in relation to the User's products, the breach of any of\n the User's warranties, representations or undertakings or in relation to the non-fulfillment of any\n of its obligations under this Agreement or Terms of use of Company's Website or any obligations\n arising out of the User infringing any applicable laws, regulations including but not limited to\n intellectual property rights, or taxes, etc. This clause shall survive the termination or expiration of\n this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-8-17\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 17 | EXPRESS RELEASE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>17.1 You expressly hereby release and waive all claims against the Company, and its subsidiaries,\n affiliates, officers, agents, licensors, co-branders or other partners, and employees from any and all\n liability for claims, damages (actual and\/or consequential), costs and expenses (including litigation\n costs and attorneys' fees) of every kind and nature, arising from or in any way related to Your use\n of the Company's Website.<\/p>\n <div class=\"gap\"><\/div>\n <p>17.2 You understand that any fact relating to any matter covered by this release may be found to be other\n than now believed to be true and You accept and assume the risk of such possible differences in fact. In\n addition, You expressly waive and relinquish any and all rights and benefits which You may have under any\n other state or federal statute or common law principle of similar effect, to the fullest extent permitted\n by law.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-8-18\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 18 | LIMITATION OF LIABILITY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>18.1 It is expressly agreed by the User that the Company shall under no circumstances be liable or\n responsible for any loss, injury or damage to the User or any other Party whomsoever, arising on account\n of any transaction under this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p>18.2 The User agrees and acknowledges that it shall be solely liable for any claims, damages, or\n allegations arising out of the Services through the Platform and shall hold the Company harmless and\n indemnified against all such claims and damages. <\/p>\n <div class=\"gap\"><\/div>\n <p>18.3 Further, the Company shall not be liable for any claims or damages arising out of any negligence,\n misconduct, or misrepresentation by the User or any of its representatives.<\/p>\n <div class=\"gap\"><\/div>\n <p>18.4 The Company under no circumstances shall be liable to the User for loss and\/or anticipated loss of\n profits, or for any direct or indirect, incidental, consequential, special or exemplary damages arising\n from the subject matter of this Agreement, regardless of the type of claim and even if the User has been\n advised of the possibility of such damages, such as, but not limited to loss of revenue or anticipated\n profits or loss of business, unless such loss or damages is proven by the User to have been deliberately\n caused by the Company.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-9\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 9<\/h2>\n <div class=\"section-sub\">DISPUTE SETTLEMENT<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>DISPUTE SETTLEMENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-9-19\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 19 | TERMINATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>19.1 This Agreement may be terminated by the Company if the User commits a material breach of any\n representation, obligation, covenant, Warranty or term of this Agreement and the same is not cured within\n thirty (30) days after written notice given by the Company, if a petition for insolvency is filed against\n the User or if the User is in infringement of third-party rights, including intellectual property rights.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>19.2 This Agreement may be terminated without reason by either Party after serving upon the other a\n written notice of thirty (30) days. The Agreement shall stand terminated after expiry of such period.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-9-20\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 20 | EFFECTS OF TERMINATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>20.1 In the event of termination\/expiry of this Agreement, the Company shall remove and shall discontinue\n the Services provided to the User on its Platform with immediate effect.<\/p>\n <div class=\"gap\"><\/div>\n <p>20.2 The Company shall not be liable for any loss or damages (direct, indirect or inconsequential)\n incurred by the User by virtue of termination of this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p>20.3 During the period under notice, both the Parties shall be bound to perform their obligations\n incurred under this Agreement, and this sub-clause shall survive the termination of this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-9-21\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 21 | GOVERNING LAW AND DISPUTE RESOLUTION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>21.1 This Agreement shall be construed and enforced in accordance with the laws of Malaysia without\n regard to the Company or the Website of its conflict of law provisions or the User's state or country\n of residence.<\/p>\n <div class=\"gap\"><\/div>\n <p>21.2 The User submits to the exclusive jurisdiction of the courts of Malaysia for the enforcement of this\n Agreement or any arbitration award or decision arising from this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p>21.3 If there is a dispute between the User and other Users, the User understands and agrees that the\n Company is under no obligation with respect thereto, and the User, to the fullest extent permitted by law.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>21.4 hereby releases the Company and its affiliates, and each of their respective officers, directors,\n employees, service providers, affiliates, agents, and successors from, and agrees to indemnify each of the\n foregoing for any losses incurred in connection with any and all claims, demands and damages (actual and\n consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and\n undisclosed, arising out of or in any way related to such disputes.<\/p>\n <div class=\"gap\"><\/div>\n <p>21.5 The User agrees that in case it is unable to resolve its disputes with other Users, then the Company\n has the right to remove the User from the Website and terminate this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-9-22\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 22 | DISCLAIMER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>22.1 To the fullest extent permitted by law, the Company and its affiliates, and each of its respective\n officers, directors, members, employees, and agents disclaim all warranties, express or implied, in\n connection with this Agreement, the Website and any use thereof, including, without limitation, the\n implied warranties of merchantability, fitness for a particular purpose and non- infringement. The Company\n makes no warranties or representations about the accuracy or completeness of the Website's Content or\n the Content of any other Websites linked to the Website, and assumes no liability or responsibility for\n any; <\/p>\n <p>(a) errors, mistakes, or inaccuracies of Content and materials;<\/p>\n <p>(b) personal injury or property damage, of any nature whatsoever, resulting from the User's access\n to and use of the Website; <\/p>\n <p>(c) any unauthorized access to or use of the Company's servers and\/or any and all personal\n information and\/or financial information stored therein; <\/p>\n <p>(d) any interruption or cessation of transmission to or from the Website,;<\/p>\n <p>(e) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the Website by\n any third party, and\/or;<\/p>\n <p>(f) any errors or omissions in any Content and materials or for any loss or damage of any kind incurred\n as a result of the use of any Content posted, transmitted, or otherwise made available via the Website.\n The Company does not guarantee the privacy, security or authenticity of any information so transmitted\n over or stored in any system connected to the internet or mobile devices.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-9-23\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 23 | SEVERABILITY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a\n court of competent jurisdiction, the remaining provisions shall continue in full force and effect to the\n fullest extent permitted by law. The parties shall replace the invalid provision with a valid one that\n achieves the same or substantially similar economic effect, in compliance with the Contracts Act 1950 and\n Consumer Protection Act 1999.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-10\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 10<\/h2>\n <div class=\"section-sub\">THE CONFIDENTIALITY OF CERTAIN INFORMATION<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>THE CONFIDENTIALITY OF CERTAIN INFORMATION<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-10-24\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 24 | NOTICES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>24.1 Except as explicitly stated otherwise, any notices given to the Company shall be given by email to\n louisthai.services@gmail.com or the Company's address. <\/p>\n <p>(a) Any notices given to the User shall be to the email address provided by the User to the Company at\n the time of listing (or as such information may be updated via the Website by the User from time to time)\n or at the mailing address provided by the User to the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>24.2 Any notice, demand, or request with respect to this Agreement shall be in writing and shall be\n effective only if it is delivered by email, personal service, by air courier with receipt of delivery, or\n mailed, certified mail, return receipt requested, postage prepaid, to the address set forth above. <\/p>\n <p>(a) Such communications shall be effective when they are received by the addressee, but if sent by\n certified mail in the manner set forth above, they shall be effective five (5) days after being deposited\n in the mail. <\/p>\n <p>(b) Any Party may change its address for such communications by giving notice to the other Party in\n conformity with this section.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-25\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 25 | AMENDMENT<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>25.1 The Company may at any time at its <strong>sole discretion modify<\/strong> this Agreement from time\n to time, and any such changes will;<\/p>\n <p>(a) be reflected on the Website, <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) be effective thirty (30) calendar days after being so posted on the Website, <\/p>\n <div class=\"gap\"><\/div>\n <p>(c) not apply retroactively, and ;<\/p>\n <div class=\"gap\"><\/div>\n <p>(d) not apply to any disputes arising prior to the effective date of such change. <\/p>\n <div class=\"gap\"><\/div>\n <p>(e) The Company shall also post the amended Agreement to the address of the User. The User\n <strong>agrees<\/strong> to be bound to any such changes and understands the importance of regularly\n reviewing this Agreement as updated on the Website to keep the User's listing and contact information\n current.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>25.2 Notwithstanding anything to the contrary herein, the Company reserves the right to, at any time and\n from time to time, change, alter, modify, or discontinue the Website (or any part thereof) with or without\n notice.<\/p>\n <div class=\"gap\"><\/div>\n <p>25.3 The User agrees that the Company shall have no liability to the User or to any third party for any\n change, alteration, modification, suspension, discontinuance, or amendment of the Company's Website.\n <\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-26\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 26 | MODIFICATION OF SERVICES OR PRODUCTS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>26.1 Purpose<\/strong><\/p>\n <p>(a) LOUIS THAI reserves the right to modify, suspend, or discontinue any Services or Products offered\n through Our Website, social media, or other channels to adapt to operational, legal, or market conditions.\n This clause outlines Your rights and Our obligations regarding such changes.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>26.2 Scope of Modifications<\/strong><\/p>\n <p>Modifications may include, but are <strong>not<\/strong> limited to:<\/p>\n <p>(a) Changes to the format, duration, or delivery method of fortune-telling consultations, rituals, or\n blessings.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Alterations to product specifications, such as materials, design, or availability of talismans or\n wholesale goods.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Suspension or discontinuation of specific Services or Products due to unforeseen circumstances, such\n as supply chain issues or regulatory requirements.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>26.3 Notification<\/strong><\/p>\n <p>(a) We will notify You of material changes to Services or Products via email, WhatsApp, or Our Website\n (https:\/\/louisthai.com) at least 7 days in advance, where feasible.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) For non-material changes (e.g., minor scheduling adjustments), We may implement changes without prior\n notice but will inform You during Your next interaction with Our Services.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>26.4 Client Options<\/strong><\/p>\n <p>(a) If a modification significantly affects a Service or Product You have purchased, You may request a\n refund or alternative Service within 7 days of notification, subject to Our refund policy (Clause 25).<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Refunds or alternatives are not available if You have already received or used the Service or Product\n prior to the modification.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>26.5 Limitation of Liability<\/strong><\/p>\n <p>LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from lawful modifications\n made in accordance with this clause, except as required by the Consumer Protection Act 1999 or other\n applicable Malaysian laws.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-27\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 27 | FORCE MAJEURE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>27.1 Except with regard to payment obligations<\/strong>, either Party <strong>shall be\n excused<\/strong> from delays in performing or from failing to perform its obligations under this\n contract to the extent the delays or failures resulting from causes beyond the reasonable control of the\n Party, <strong>including, but not limited to:<\/strong><\/p>\n <p>(a) failures or default of third-party software, Users, or products; <\/p>\n <p>(b) acts of God or of a public enemy; <\/p>\n <p>(c) foreign governmental actions; <\/p>\n <p>(d) strikes; <\/p>\n <p>(e) communications, <\/p>\n <p>(f) network connection, or <\/p>\n <p>(g) utility interruption or failure; <\/p>\n <p>(h) fire; flood; epidemic; or <\/p>\n <p>(i) freight embargoes.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-28\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 28 | FORCE MAJEURE FOR SERVICE DELAYS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>28.1 Purpose<\/p>\n <p>a. LOUIS THAI may be unable to deliver Services or Products on schedule due to events beyond Our\n reasonable control. This clause outlines Our rights and Your options in such circumstances, supplementing\n Clause 22: Force Majeure.<\/p>\n <p>28.2 Force Majeure Events<\/p>\n <pre> Force majeure events include, but are not limited to:<\/pre>\n <p>a. Natural disasters (e.g., floods, earthquakes).<\/p>\n <p>b. Government actions or restrictions (e.g., movement control orders, temple closures).<\/p>\n <p>c. Public health emergencies (e.g., pandemics).<\/p>\n <p>d. Unavoidable operational disruptions (e.g., failure of critical suppliers, utility outages).<\/p>\n <p>e. Acts of third parties beyond Our control (e.g., cyber-attacks affecting Our booking systems).<\/p>\n <p>28.3 Impact on Services<\/p>\n <p>a. If a force majeure event prevents or delays the delivery of a Service (e.g., a ritual or\n consultation), We will notify You as soon as practicable via email, WhatsApp, or Our Website.<\/p>\n <p>b. We may reschedule the Service to the earliest feasible date or offer an alternative Service of\n equivalent value, at Our discretion.<\/p>\n <p>c. If rescheduling or alternatives are not possible within 30 days, You may request a refund, subject to\n Our refund policy (Clause 25).<\/p>\n <p>28.4 Impact on Products<\/p>\n <p>a. For delays in delivering Products (e.g., talismans or wholesale goods) due to force majeure, We will\n notify You and provide an estimated delivery timeline.<\/p>\n <p>b. You may cancel Your order and request a refund if the delay exceeds 30 days, subject to Clause 25.<\/p>\n <p>28.5 Limitation of Liability<\/p>\n <div class=\"gap\"><\/div>\n <p>28.5.1 LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from delays or\n cancellations caused by force majeure events, except as required by the Consumer Protection Act 1999 or\n other applicable Malaysian law<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-29\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 29 | WAIVER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>No failure or delay by the Company to exercise any right, power, or remedy under these Terms and\n Conditions shall operate as a waiver thereof, nor shall any single or partial exercise of any such right,\n power, or remedy preclude any other or further exercise thereof or the exercise of any other right, power,\n or remedy. Any waiver must be in writing and signed by the waiving party to be effective, in accordance\n with the Contracts Act 1950.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <p>CUSTOMER LOYALTY AND REWARDS PROGRAM<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-30\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 30 | LOYALTY PROGRAM ENROLLMENT<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>30.1 Purpose<\/p>\n <p>a. Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") offers a voluntary Customer Loyalty Program ("Program") to reward frequent\n Users of our Services and Products. Enrolment is open to all Users aged 18 or above who have completed at\n least one transaction via the Platform.<\/p>\n <p>30.2 Enrolment Process<\/p>\n <p>a. Users may enrol by registering on the Website (https:\/\/louisthai.com\/loyalty) or contacting\n support@louisthai.com.<\/p>\n <p>b. Upon enrolment, Users will receive a unique Loyalty ID and initial points equivalent to RM 10.00 based\n on their first purchase value.<\/p>\n <p>c. Users must provide accurate personal information, which will be processed in compliance with the\n Personal Data Protection Act 2010 (PDPA).<\/p>\n <p>30.3 Eligibility<\/p>\n <p>a. Employees, Board of Directors, and their immediate family members are excluded from the Program.<\/p>\n <p>b. Participation is subject to these Terms and may be terminated if misused (e.g., fraudulent point\n accumulation).<\/p>\n <p>30.4 Legal Compliance<\/p>\n <p>a. The Program adheres to the Consumer Protection Act 1999 and other applicable Malaysian laws to ensure\n fair treatment of participants.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-31\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 31 | EARNING AND REDEEMING REWARDS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>31.1 Earning Points<\/p>\n <p>a. Users earn 1 Loyalty Point for every RM 5.00 spent on eligible Services (e.g., fortune-telling,\n rituals under MSIC 96092) or Products (e.g., talismans under MSIC 46909).<\/p>\n <p>b. Bonus points may be awarded during promotional events, at the Company's discretion.<\/p>\n <p>31.2 Redeeming Rewards<\/p>\n <p>a. 100 Loyalty Points may be redeemed for a RM 10.00 discount on future purchases, subject to\n availability.<\/p>\n <p>b. Redemption is limited to one transaction per month and cannot be combined with other discounts or FOC\n offers (Clause 35).<\/p>\n <p>31.3 Expiration and Forfeiture<\/p>\n <p>a. Points expire 12 months from the date earned unless redeemed.<\/p>\n <p>b. Points are forfeited upon termination of the Program or the User's account due to breach of these\n Terms.<\/p>\n <p>31.4 Limitation of Liability<\/p>\n <p>a. LOUIS THAI shall not be liable for any loss of points due to technical errors or User negligence,\n except in cases of gross misconduct, as governed by the Consumer Protection Act 1999.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-32\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 32 | PROGRAM TERMINATION AND MODIFICATIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>32.1 Termination by User<\/p>\n <p>a. Users may terminate their Program participation by submitting a written request to\n support@louisthai.com. Unredeemed points will be forfeited upon termination.<\/p>\n <p>32.2 Termination or Modification by Company<\/p>\n <p>a. LOUIS THAI reserves the right to modify, suspend, or terminate the Program with 30 days' prior\n notice via the Website or email, in compliance with the Consumer Protection Act 1999.<\/p>\n <p>b. Modifications may include changes to point earning rates or redemption values, and Users will be\n notified of material changes.<\/p>\n <p>32.3 Transition of Points<\/p>\n <p>a. Upon Program termination, Users may redeem existing points within 60 days of the announcement, subject\n to availability of Services or Products.<\/p>\n <p>32.4 Dispute Resolution<\/p>\n <p>a. Any disputes related to the Program shall be resolved under Clause 45 (Applicable Law and Conflict\n Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per\n the Arbitration Act 2005.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-11\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 11<\/h2>\n <div class=\"section-sub\">ZERO TOLERANCE<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>ZERO TOLERANCE<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-11-33\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 33 | ZERO TOLERANCE POLICY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>33.1 Purpose<\/p>\n <p>a. LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") is committed to maintaining a safe, respectful, and professional environment for all\n clients, staff, and stakeholders. <\/p>\n <div class=\"gap\"><\/div>\n <p>b. This Zero Tolerance Policy outlines behaviours that are strictly prohibited when engaging with Our\n Services, Website, or staff. <\/p>\n <div class=\"gap\"><\/div>\n <p>c. Violations of this policy will result in immediate consequences, including but not limited to\n termination of Services, refusal of access, and legal action where applicable.<\/p>\n <div class=\"gap\"><\/div>\n <p>33.1.1.<\/p>\n <p>Prohibited Behaviours<\/p>\n <p>You agree not to engage in any of the following behaviours when interacting with LOUIS THAI, Our staff,\n or Our Platforms (including the Website, social media, WhatsApp, or other communication channels):<\/p>\n <div class=\"gap\"><\/div>\n <p>33.1.2.<\/p>\n <p>Harassment and Abuse<\/p>\n <p>Any form of harassment, intimidation, or abusive behaviour toward Our staff, other clients, or third\n parties, including verbal, written, or physical threats, offensive language, or discriminatory remarks\n based on race, religion, gender, or other protected characteristics.<\/p>\n <div class=\"gap\"><\/div>\n <p>33.1.3.<\/p>\n <p>Fraud and Misrepresentation<\/p>\n <p>Providing false or misleading information, engaging in fraudulent transactions, or attempting to deceive\n LOUIS THAI for financial or personal gain (e.g., submitting fake payment receipts or misrepresenting\n eligibility for Services).<\/p>\n <p>33.1.4.<\/p>\n <p>Misuse of Services<\/p>\n <p>Using Our Services, including fortune-telling, rituals, or products, for unlawful, unethical, or\n unauthorized purposes, such as attempting to harm others or exploiting Our Services for personal agendas\n not aligned with their intended purpose.<\/p>\n <p>33.1.5.<\/p>\n <p>Unauthorized Access or Interference<\/p>\n <p>Attempting to access Our systems, Website, or confidential information without authorization, including\n hacking, phishing, or distributing malicious software (e.g., viruses, trojan horses).<\/p>\n <p>33.1.6.<\/p>\n <p>Defamation and False Statements:<\/p>\n <p>Spreading false, defamatory, or damaging statements about LOUIS THAI, Our staff, or Our Services, whether\n on social media, public forums, or private communications.<\/p>\n <p>33.1.7.<\/p>\n <p>Non-Compliance with Terms<\/p>\n <p>Deliberately violating any provisions of these Terms and Conditions, including payment obligations,\n intellectual property restrictions, or data protection requirements.<\/p>\n <p>33.1.8.<\/p>\n <p>Disruptive Conduct<\/p>\n <p>Engaging in behaviour that disrupts Our operations, such as sending excessive or repetitive\n communications (e.g., spamming WhatsApp or email) or refusing to follow staff instructions during Service\n delivery.<\/p>\n <div class=\"gap\"><\/div>\n <p>33.2 Consequences of Violations<\/p>\n <p>LOUIS THAI reserves the right to take immediate action upon confirming a violation of this Zero Tolerance\n Policy, including but not limited to:<\/p>\n <p>a. Termination of all Services without refund, regardless of prior payments.<\/p>\n <p>b. Suspension or permanent banning from Our Website, social media platforms, and other communication\n channels.<\/p>\n <p>c. Reporting the violation to relevant authorities if it involves illegal activities (e.g., fraud,\n threats, or cybercrimes).<\/p>\n <p>d. Pursuing legal remedies, including claims for damages or injunctive relief, to protect Our rights and\n reputation.<\/p>\n <p>e. Decisions regarding violations are at LOUIS THAI's sole discretion and are final and conclusive.\n You will be notified of any action taken, where feasible, via the contact details provided to Us.<\/p>\n <p>33.3 Reporting Violations<\/p>\n <p>a. If You witness or experience any prohibited behaviour, You may report it to Us at Insert Contact\n Email: e.g., support@louisthai.com or through Our Website at https:\/\/louisthai.com\/contact\/.<\/p>\n <p>b. Reports should include relevant details, such as the date, time, nature of the violation, and any\n supporting evidence (e.g., screenshots or recordings).<\/p>\n <p>c. LOUIS THAI will investigate all reports promptly and confidentially, ensuring no retaliation against\n good-faith reporters.<\/p>\n <p>33.4 Client Acknowledgment<\/p>\n <pre> By accessing or using Our Services, You acknowledge that:<\/pre>\n <p>a. You have read and understood this Zero Tolerance Policy.<\/p>\n <p>b. You agree to comply with its provisions and accept the consequences of any violations.<\/p>\n <p>c. LOUIS THAI's commitment to zero tolerance protects the integrity of Our Services and ensures a\n positive experience for all clients.<\/p>\n <p>33.5 Compliance with Law<\/p>\n <p>a. This Zero Tolerance Policy is enforced in accordance with Malaysian laws, including but not limited to\n the Consumer Protection Act 1999, Personal Data Protection Act 2010 (PDPA), and Communications and\n Multimedia Act 1998. <\/p>\n <p>b. If any provision of this clause conflicts with applicable law, the latter shall prevail, and LOUIS\n THAI will adjust its practices accordingly.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-11-34\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 34 | ASSIGNMENT AND DELEGATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>You may not assign, transfer, delegate, or subcontract any rights, obligations, or duties under these\n Terms and Conditions without the prior written consent of the Company. The Company may assign, transfer,\n or subcontract its rights and obligations at its sole discretion, including in connection with a merger,\n acquisition, or sale of assets, provided such assignment does not materially diminish Your rights under\n the Consumer Protection Act 1999. Any unauthorized assignment by You shall be null and void.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-11-35\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 35 | SURVIVAL<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>Upon termination or expiration of these Terms and Conditions, the following clauses shall survive and\n continue to bind the parties: Clauses 6 (Intellectual Property Rights), 7 (Data), 10 (Limitations of\n Liability), 12 (Confidentiality), 23 (Default and Enforcement), 24 (Zero Tolerance Policy), 26 (Governing\n Law and Dispute Resolution), and any other provisions that by their nature should survive, including\n indemnity obligations and accrued rights under the Contracts Act 1950.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-12\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 12<\/h2>\n <div class=\"section-sub\">CONFLICT OF INTEREST<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>CONFLICT OF INTEREST<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-12-36\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 36 | CONFLICT OF INTEREST<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>36.1 A conflict of interest define as an employee's personal interests, external relationships, or\n other non-company interests may affect their objectivity, impartiality, or integrity in performing their\n duties, leading to potential harm to the Company's interests or client rights.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.1 Common Conflict of Interest Situations<\/p>\n <p>Conflicts of interest may arise in, but are not limited to, the following situations:<\/p>\n <p>36.1.1 Financial Conflicts of Interest<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.1.1 The employee or their immediate family has financial interests (e.g., shares, partnership\n investments, loans) in a client's or supplier's company.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.1.2 The employee uses their position to secure improper financial benefits for themselves or a third\n party, such as accepting bribes, commissions, or kickbacks.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <p>36.1.2 Business Transactions Conflicts<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.2.1 The employee establishes personal business dealings with clients or suppliers without approval,\n such as providing consulting services, selling products, or forming investment partnerships.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.2.2 The employee provides additional paid or free services to clients that overlap or compete with\n the Company's business without authorization.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.3 Personal Relationship Conflicts<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.3.1 The employee has close personal relationships (e.g., family, romantic) with a client, supplier,\n or business partner and has not disclosed this, which could impact business decisions.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.3.2 The employee grants unfair advantages or special privileges to a client or supplier due to\n personal relationships.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.4 External Employment Conflicts<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.4.1 The employee works part-time, consults, or holds positions such as a director or advisor at a\n client's, supplier's, or competitor's company without approval.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.4.2 The employee misuses Company resources (e.g., customer data, business intelligence) for personal\n or external business gain.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.5 Gifts and Hospitality Conflicts<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.5.1 The employee accepts high-value gifts, hospitality, travel, entertainment, or other undue\n benefits from clients or suppliers that could affect their impartiality.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2 Requirements<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.1 Mandatory Disclosure and Transparency<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.1.1 All employees must submit a Conflict of Interest Disclosure Form at the time of hiring and\n annually. Any new conflicts of interest must be reported to the Compliance Department within five (5)\n working days.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.1.2 If an employee is unsure whether a situation constitutes a conflict of interest, they must seek\n guidance from their superior or the Compliance Department.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.1.3 Senior management and directors must disclose any conflicts of interest that could impact\n decision-making at annual meetings or shareholder meetings.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2 Strictly Prohibited Conduct<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2.1 Employees are strictly prohibited from accepting cash, commissions, kickbacks, or high-value\n gifts from clients or suppliers (gifts exceeding RM200 must be declared).<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2.2 Employees are prohibited from engaging in unauthorized external employment, business\n partnerships, or investments, especially with Company clients, suppliers, or competitors.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2.3 Employees must not provide paid or free services to clients that are related to the\n Company's business without proper authorization, including but not limited to feng shui consultation,\n divination, predictions, and investment advice.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2.4 Employees must not use their position to obtain unfair advantages for themselves or their family\n members, such as prioritizing certain clients or obtaining special discounts.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3 External Employment and Business Interests<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.1 Employees must not work part-time, invest in, or act as consultants, directors, or advisors for\n clients, competitors, or suppliers without written approval.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2 Employees who wish to engage in external employment or business activities must submit a written\n application and obtain approval from the Compliance Department and management.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.1 Gifts and Hospitality Management<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.1.1. Employees must not accept gifts, hospitality, or other personal benefits exceeding RM200 from\n clients or suppliers without declaration and approval.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.1.2. If an employee is invited to attend events, banquets, or entertainment funded by a client,\n they must obtain prior approval from their superior.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.2 Confidential Information Protection<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.2.1. Employees must not use confidential company information, client data, or other sensitive\n materials for personal gain or third-party advantage.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.2.2. Even after termination of employment, employees are required to uphold confidentiality\n obligations and must not disclose client information or company data to competitors or use it for personal\n business purposes.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.3 Violation & Enforcement<\/p>\n <div class=\"gap\"><\/div>\n <p>36.4 Violation Investigation Procedures<\/p>\n <p>If an employee is suspected of having a conflict of interest, the Company will take the following steps:\n <\/p>\n <p>36.4.1 Preliminary Review; The Compliance Department will assess the report or disclosure.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.4.2 Formal Investigation; If evidence supports the claim, an investigation committee will be formed to\n conduct a thorough inquiry.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.4.3 Hearing and Defence; The employee has the right to provide explanations and supporting evidence.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>36.4.4 Decision and Execution; The Company's management will determine and impose appropriate\n disciplinary actions.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.5 Disciplinary Actions<\/p>\n <pre> Employees who violate this policy will face the following disciplinary actions:<\/pre>\n <p>36.5.1.1 Written Warning (for minor violations, such as failure to disclose a conflict of interest for\n the first time).<\/p>\n <div class=\"gap\"><\/div>\n <p>36.5.1.2 Demotion or Suspension (for serious violations, such as unauthorized external employment or\n accepting kickbacks).<\/p>\n <div class=\"gap\"><\/div>\n <p>36.5.1.3 Immediate Termination (for major violations, such as leaking confidential client information or\n abusing power for personal gain).<\/p>\n <div class=\"gap\"><\/div>\n <p>36.5.1.4 Legal Action (for criminal offenses, including fraud, bribery, or disclosure of trade secrets).\n <\/p>\n <div class=\"gap\"><\/div>\n <p>36.6 Whistleblower Mechanism<\/p>\n <div class=\"gap\"><\/div>\n <p>36.6.1 The Company has established a Conflict of Interest Reporting Hotline, allowing employees to\n anonymously report violations.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.6.2 Any malicious or false accusations will be subject to disciplinary action.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.6.3 The Company guarantees protection against retaliation for employees who report in good faith.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.7 Monitoring & Compliance<\/p>\n <div class=\"gap\"><\/div>\n <p>36.7.1 This policy is overseen by the Compliance & Ethics Committee, which conducts regular reviews\n and updates.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.7.2 All new employees must undergo Conflict of Interest Policy training and sign an acknowledgment\n form.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.7.3 Senior management is required to conduct quarterly self-assessments and report any conflicts of\n interest to the Board of Directors.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-13\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 13<\/h2>\n <div class=\"section-sub\">ORDERING AND DELIVERY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>ORDERING AND DELIVERY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-13-37\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 37 | OFFER AND ACCEPTANCE OF THE SERVICE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>37.1 The displays made on all the Company's platform shall be treated as an invitation to treat.\n This includes all photos, videos, wordings, statements, price, and etc.<\/p>\n <div class=\"gap\"><\/div>\n <p>37.2 By accepting this Terms and Conditions, it shall be treated as an offer from You. The Company shall\n then accept such offer by issuing You an invoice. All consideration shall be made in full.<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3 For services that requires booking, the Company has the final right to accept or refuse the booking\n request subject to the following reasons:<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.1 Overbooking;<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.2 Limited products or services provided;<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.3 Lack of professional staffs;<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.4 Found out that You are our business competitors;<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.5 Suspended business competitor; and<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.6 Blacklisted client<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.7 You shall receive full refunds for any payments made for the above purposes if it is cancelled by\n the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>37.4 For the avoidance of doubt, by accepting this Terms and Conditions, it merely meant that the Company\n has acknowledge and received the booking. The final Acceptance shall be executed by the Company by issuing\n You an invoice.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-13-38\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 38 | DELAY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>38.1 In the event of 48 hours (2 days) delay in performing the rituals and blessings from the date of the\n designated date, the User is entitled submit a written request to cancel the said services.<\/p>\n <div class=\"gap\"><\/div>\n <p>38.2 In the event of 12 hours delay in performing the fortune reading consultation service from the date\n of the designated time, the User is entitled get fully refund or reschedule a new time slot with us\n without refund.<\/p>\n <div class=\"gap\"><\/div>\n <p>38.3 Refunds will be made to the User within a reasonable number of 72 hours (3 working days) by the same\n method the payment was made.<\/p>\n <div class=\"gap\"><\/div>\n <p>38.4 Alternatively, the User is entitled for a replacement of the service or goods of the same amount\n paid. In the event the price of the replacement is higher, the User shall top up the difference.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-13-39\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 39 | EXCLUSIVE REFUND<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>39.1 Eligibility for Refund<\/p>\n <div class=\"gap\"><\/div>\n <p>39.1.1 Refunds are only applicable in the event that the service has not commenced, or if the goods have\n not been shipped. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.1.2 No refund will be processed once the service has started or the goods have been dispatched. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.1.3 All refunds will be made via cheque, subject to a processing and management fee of RM 1.00. This\n fee shall be deducted from the total refund amount.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.2 Refund Processing Time<\/p>\n <div class=\"gap\"><\/div>\n <p>39.2.1 The approval process for refunds will take approximately 72 hours (3 working days) from the date\n of the refund request. Refunds for goods and services will only be processed to a Malaysian bank account.\n It is the responsibility of the customer to provide accurate banking details for the refund transaction.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>39.2.2 Refund for Customers Outside Malaysia<\/p>\n <p>For customers residing outside of Malaysia, refunds will be processed via a third-party transaction\n service. The customer shall bear all processing fees, currency conversion charges, and any other\n applicable fees associated with the refund process. The company shall not be responsible for any\n additional costs incurred by the customer due to the third-party service or international currency\n exchange.<\/p>\n <p>39.2.3 Non-Refundable Items<\/p>\n <pre> The following items are not eligible for refund:<\/pre>\n <pre> i. Services that have already commenced.<\/pre>\n <pre> ii. Goods that have been shipped or delivered to the customer.<\/pre>\n <pre> iii. Customized or personalized products.<\/pre>\n <p>iv. Digital products, including downloadable content, reports, and any other intangible goods, once the\n purchase has been confirmed. <\/p>\n <p>39.2.4 Refund Method and Limitations<\/p>\n <div class=\"gap\"><\/div>\n <p>39.2.4.1 Refunds will be made via cheque for customers within Malaysia. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.2.4.2 Refunds for international customers will be processed via third-party services as outlined in\n Clause 34.(1.) (1.)(2.)(3.) Refunds will only be processed to the account or payment method used for the\n original transaction. The company reserves the right to refuse any refund requests that do not meet the\n stipulated conditions or that are deemed unreasonable.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3 General Terms<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.1 Refund Request Order<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.1.1 All refund requests must be submitted within [Insert number of days] days from the date of\n purchase or service order. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.1.2 The company reserves the right to modify or amend this refund policy at any time without prior\n notice, and all customers will be bound by the most current version of the refund policy as published.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.2 Refunds Due to Service Inability<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.2.1 In the event that LOUIS THAI International Group Sdn Bhd is unable to provide the contracted\n service, or if the service provided does not meet the standards or terms outlined in the service\n agreement, the customer is entitled to a full or partial refund, based on the circumstances. This will be\n determined by the company in accordance with the contractual agreement and the nature of the failure.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.3 Partial Refunds for Returned Goods<\/p>\n <p>39.3.3.1 For goods returned under acceptable conditions (i.e., defective, damaged, or incorrect goods), a\n partial refund may be issued in the event that the product cannot be replaced. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.3.2 This partial refund will be based on the extent of damage, defect, or non-compliance with the\n agreed specifications.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.4 Refund Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.4.1 In cases where a refund request is disputed by either party, the company will engage in a formal\n review process. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.4.2 This will involve an internal investigation and, if necessary, third-party arbitration. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.4.3 Any disputes not resolved through this process will be subject to Malaysian law and the\n jurisdiction of the relevant courts in Malaysia.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.5 Customer Responsibilities<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.5.1 Customers are required to provide all necessary documentation to substantiate a refund request,\n including, but not limited to, proof of purchase, service confirmation, and photographic evidence (if\n applicable) of damaged or defective goods. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.5.2 Failure to provide adequate supporting documentation may result in the rejection of the refund\n request. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.5.3 The company reserves the right to charge administrative fees if excessive documentation or time\n is required to process a refund request.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.6 Incorporation of Company's Meeting Regulations<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.6.1 This refund policy is governed by the meeting regulations and decisions made by the board of\n directors and other governing bodies of LOUIS THAI International Group Sdn Bhd.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.6.2 Any amendments or decisions regarding refunds will be in alignment with the company's\n official meeting minutes and resolutions, which will be deemed authoritative and final in case of any\n discrepancies or disputes. The policies may be revised or updated during official meetings and will be\n communicated to all stakeholders in a timely manner.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.7 Extraordinary Circumstances for Refund<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.7.1 In the event of extraordinary circumstances such as natural disasters, government regulations,\n or force majeure events that prevent the company from providing its services or delivering goods, refunds\n will be evaluated on a case-by-case basis. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.7.2 The company may choose to offer an alternative solution, such as rescheduling the service or\n providing a credit voucher for future purchases. Refunds in such cases are subject to the discretion of\n the company and may be offered at a reduced amount to cover incurred costs.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.8 Refunds for Subscription-Based Services<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.8.1 For subscription-based services, the refund request will only be applicable to the most recent\n payment made and will be prorated based on the unused portion of the service period. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.8.2 Subscription services are non-refundable if the customer has already accessed or used the\n service during the subscription period.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.9 Refund for Services Rendered in Error<\/p>\n <p>39.3.9.1 If a service has been rendered incorrectly or in error by LOUIS THAI International Group Sdn\n Bhd, the company will review the situation and may offer a partial or full refund based on the severity of\n the error. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.9.2 Customers must notify the company of such errors within 1 day (Fortune Services) from the\n service provision date. Error are included customer name, customer birthday, customer born timing before\n 6.00 am GMT+8 and after 6.00am GMT +8 only, such as example in Clause 34.(3.)(9.)(3.)<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.9.3 example; if Mr. A born at 5.50am, but Mr. A provided wrong information which is exactly born\n timing is 5.30am, in this case refund of fortune services are not entitle to approve on refund\n application, because 5.50am and 5.30am consider before 6.00am GMT+8 ) <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.10 Refund Policy Updates<\/p>\n <p>The company reserves the right to modify or amend this refund policy at its discretion. Any such updates\n will be published on the official website or communicated directly to customers. All refunds will be\n subject to the refund policy as stated at the time of the original purchase, unless otherwise specified.\n Customers are encouraged to review the policy regularly to stay informed of any changes.<\/p>\n <p>39.3.11 Refund for Services Rendered in Error<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.11.1 If goods received are not as described, including errors in packaging, labeling, or\n specifications, customers may request a refund. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.11.2 The refund will be processed once the goods are returned and verified by the company. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.11.3 In such cases, the company will cover the return shipping costs.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.12 Refunds for Damaged Goods During Shipping<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.12.1 In the event that goods are damaged during shipping, customers must notify the company within\n 14 days of receiving the damaged goods.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.12.2 Photographic evidence of the damage must be provided. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.12.3 A refund or replacement will be processed based on the evaluation of the returned goods.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.13 Refunds for Goods Purchased in Error<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.13.1 If a customer accidentally purchases goods in error (such as the wrong size, color, or\n quantity), a refund may be granted if the product is returned unopened and unused, subject to the\n company's inspection. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.13.2 A restocking fee may apply.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.14 Refunds for Customer-Requested Cancellations<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.14.1 Refunds for cancellations requested by the customer will be processed based on the timing of\n the request. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.14.2 If the cancellation request is made before the service has commenced or goods have been\n shipped, a full refund will be provided, minus any applicable processing fees. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.14.3 Cancellations after this point may be subject to partial refunds or credit for future services.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.15 Legal Compliance and Consumer Protection<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.15.1 All refund processes and policies will be carried out in compliance with Malaysian law,\n including but not limited to the Consumer Protection Act 1999 and other relevant legislation. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.15.2 The company ensures that all customer rights are respected, and any refund policies will align\n with the applicable legal and regulatory requirements.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-13-40\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 40 | FOC POLICY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <pre>40.1 In common parlance, the FOC is referred to as the "Free-Of-Charge" and in publications often abbreviated as "FOC".<\/pre>\n <div class=\"gap\"><\/div>\n <p>40.2 The FOC is applicable when we offer our products or services during critical events, and the client\n is not required to make any payments.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.3 Clients may be subjected to charges other than FOC, such as AOS Charge (Advance Operating Service\n Charges, known as "AOS charges"), Professional Charge, Warranty Charge, Tariffs, Government\n Taxes, Administration and Management Processing Charges, and other applicable fees.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.4 Clients under an FOC offer are not eligible for refunds as they have not incurred any costs for the\n services or products provided.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5 Provisioning Process<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5.1 The authority to issue FOC or waive fees lies solely with the highest-ranking president of the\n Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5.2 FOC rewards commence on the same date and time they are provided to the Client by the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5.3 FOC rewards are strictly non-transferable and cannot be split into separate invoices for use.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5.4 FOC amounts cannot be converted into LOUIS THAI Loyalty Program points, tokens, or USD (United\n States Dollar)<\/p>\n <div class=\"gap\"><\/div>\n <p>40.6 The applicability of FOC rewards<\/p>\n <p>The applicability of FOC rewards to our Affiliate business divisions or Companies is subject to the\n decision of the highest-ranking president of the Company on the same day.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-13-41\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 41 | FOC EXCLUSIVE<\/span>\n <\/summary>\n <div class=\"content\">\n <p>41.1 When LOUIS THAI company offers a lifetime free-of-charge (FOC) service to select customers,\n it's usually because those customers have done something of significant value for the company. Here\n are some common reasons why a company might make such an offer:<\/p>\n <div class=\"gap\"><\/div>\n <p>41.1.1 Early Adoption and Support<\/p>\n <div class=\"gap\"><\/div>\n <p>41.1.1.1 Beta Testers<\/p>\n <p>a. Customers who participated in beta testing and provided valuable feedback, helping us improve our\n product or service before launch.<\/p>\n <p>41.1.1.2 Founding Customers<\/p>\n <p>a. Those who supported us during its early days, perhaps even before it was widely known or profitable.\n <\/p>\n <p>41.1.1.3 Significant Referrals<\/p>\n <p>a. Customers who have referred a large number of new clients or users, significantly contributing to the\n company's growth and revenue.<\/p>\n <p>41.1.1.4 High-Profile Endorsements<\/p>\n <p>a. Influential individuals or celebrities who have publicly endorsed the product or service, bringing\n substantial visibility and credibility to the brand.<\/p>\n <p>41.1.1.5 Exceptional Brand Loyalty<\/p>\n <p>a. Long-term customers who have shown extraordinary loyalty, often purchasing or using the LOUIS THAI\n company's products or services consistently over many years.<\/p>\n <p>41.1.1.6 Valuable Feedback or Contributions<\/p>\n <p>a. Customers who have provided critical insights, ideas, or feedback that have led to significant\n improvements or innovations in the company's offerings.<\/p>\n <p>41.1.1.7 Crisis Management and Support<\/p>\n <p>a. Customers who have supported the company during difficult times, such as financial difficulties or\n public relations crises, and have stood by the brand when others did not.<\/p>\n <p>41.1.1.8 Special Circumstances or Relationships<\/p>\n <p>a. Situations where the customer may have a personal relationship with key members of the LOUIS THAI\n company, or where there's a unique, strategic reason to keep that individual satisfied and loyal.<\/p>\n <p>41.1.1.9 Legal or Contractual Reasons<\/p>\n <p>a. In some cases, lifetime free services may be offered due to legal settlements, contractual\n obligations, or as part of an acquisition or merger deal.<\/p>\n <p>41.1.1.10 Non-Profit or Philanthropic Reasons<\/p>\n <p>a. For customers associated with non-profits or charitable organizations, or those who have made\n significant philanthropic contributions, companies may offer free services as a gesture of goodwill.<\/p>\n <p>41.1.1.11 Public Relations and Marketing<\/p>\n <p>a. As a strategic PR or marketing move, offering lifetime services to select customers can generate\n positive media coverage and enhance the company's reputation.<\/p>\n <p>41.2 Those decisions are often made on a case-by-case basis and are part of a larger strategy to reward\n loyalty, encourage advocacy, or leverage strategic relationships. <\/p>\n <div class=\"gap\"><\/div>\n <p>41.3 In other way, the Company reserved the right as in if it is or becomes unlawful for any party to\n this Whole-Life Free-Of-Charge policies to perform any of its obligations under the Facility Documents, we\n may vary or recall the Offer without any written notice; unless Section of 32.3.(i)(ii)(iii)(iv);<\/p>\n <p>i. we are required; or<\/p>\n <p>ii. compelled under applicable law; or<\/p>\n <p>iii. regulation; or<\/p>\n <p>iv. vary<\/p>\n <p>41.4 In which case we will give you notice of such shorter duration as expressly or implicitly required\n or permitted by such law or regulations.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-14\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 14<\/h2>\n <div class=\"section-sub\">DEFAULT AND ENFORCEMENT OF SECURITY INTEREST<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>DEFAULT AND ENFORCEMENT OF SECURITY INTEREST<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-14-42\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 42 | TRADING ENFORCEABILITY INTEREST<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>42.1 Enforceability of Late Payment Interest Clause<\/p>\n <div class=\"gap\"><\/div>\n <p>42.1.1 The claim of interest from the legal notice (herein "the Agreement" or\/and "the\n Sales Invoice") under the Company (herein "Louis Thai International Group Sdn Bhd"). <\/p>\n <div class=\"gap\"><\/div>\n <p>42.1.1.1 Late payment invoice interest for the Company business under MSIC 96092 Astrology and Spiritual\n Activities entitled to claim the interest of 1.0% per month as stipulated in the invoices. <\/p>\n <div class=\"gap\"><\/div>\n <p>42.1.1.2 Late payment invoice interest for the Company business under MSIC 46909 Wholesale of a variety\n of goods without any particular specialization n.e.c. are entitled to claim the interest of 1.5% per month\n as stipulated in the invoices.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2 Above statement as clearly indicated in this invoice presenting to the consumer (buyer), which means\n the consumer had full knowledge of this interest was stated.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2.1 If there was no protest of the claim of interest at all when the invoices were presented to the\n consumer indicated the buyer (purchaser) are agreed with the formulated interest charging as in above\n written.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2.2 As a reasonable and prudent business deal parties, if the buyer was serious that the endorsement\n for interest payment at the amount biding at per month in the delivery orders and the invoices were\n arbitrary and not binding, buyer should have to protest and inform to the seller of purchaser's\n objection as expeditious as possible.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2.3 Buyer should be exercised its discretion and carefully noticed that interest rate stated on the\n invoice.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2.4 If a contract of sale of goods (known as "sales invoice") has provided for the interest,\n the seller can clearly claim for interest on the price of the goods from the purchaser.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.3 Debt Recovery<\/p>\n <div class=\"gap\"><\/div>\n <p>42.3.1 In the event of non-payment, the Company may engage authorized debt recovery agencies to pursue\n overdue amounts, including accrued interest. <\/p>\n <div class=\"gap\"><\/div>\n <p>42.3.2 You shall be liable for reasonable recovery costs incurred by the Company, in addition to the\n overdue amount and interest.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4 Equitable Estoppel Doctrine<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4.1 If the contract of sale of goods (knows as "sales invoice") purchaser is silent on the\n question of interest;<\/p>\n <div class=\"gap\"><\/div>\n <p>i. the seller cannot rely on the Equitable Estoppel Doctrine. <\/p>\n <div class=\"gap\"><\/div>\n <p>ii. Buyer cannot contend that they are entitled to interest as provided in the invoice, delivery order\n and\/or statement of account which has not been objected by the purchaser.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4.2 The operation of the Equitable Estoppel Principle shall "follow" and be subject to\n Section 61(2)(a), (b) Sale of Goods Act 1957, Section 11 Civil Law Act 1956.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4.3 A seller of goods cannot be equated to a licensed financial institution under the Financial\n Services Act 2013 or a licensed moneylender under the Moneylenders Act 1951;<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4.4 The Equitable Estoppel Principle (to allow the seller to claim interest at the exorbitant rate of\n 12% per annum) should not be applied to cause injustice and inequity.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-14-43\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 43 | THE RIGHT OF THE SELLER AND BUYER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>43.1 Seller shall be allowed to enforce the late payment interest Clause;<\/p>\n <div class=\"gap\"><\/div>\n <p>43.2 Based on the rate set out in the seller's documents without the need to prove the actual loss\n or damage to the other Parties;<\/p>\n <div class=\"gap\"><\/div>\n <p>43.3 As a matter of prudence, if the buyers are not agreeable to the late payment interest clause and\/or\n its rate stated in the seller's documents, they ought to object to it expeditiously;<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-14-44\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 44 | CREDIT REPORTING AND CTOS SERVICES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>44.1 Late Payment Interest<\/p>\n <pre> The Company may claim interest on overdue invoices as follows: <\/pre>\n <p>44.1.1 For services under MSIC 96092 (Astrology and Spiritual Activities), interest shall accrue at a\n rate of 1.0% per month, calculated on a simple interest basis. <\/p>\n <div class=\"gap\"><\/div>\n <p>44.1.2 For services under MSIC 46909 (Wholesale of Goods), interest shall accrue at a rate of 1.5% per\n month, calculated on a simple interest basis. <\/p>\n <div class=\"gap\"><\/div>\n <p>44.2 Notification and Agreement<\/p>\n <p>The applicable interest rate shall be clearly stated in the invoice presented to You. By accepting the\n invoice without objection within seven (7) days, You agree to the specified interest rate.<\/p>\n <p>44.3 Credit Reporting<\/p>\n <p>In the event of default (defined as non-payment for 30 consecutive days after the invoice due date), the\n Company reserves the right to report Your overdue account to CTOS (Credit Tip-Off Service), a registered\n credit reporting agency under the Credit Reporting Agencies Act 2010. You will be notified in writing at\n least 14 days prior to such reporting. <\/p>\n <p>44.4 CTOS Fees<\/p>\n <p>The Company may add CTOS-related fees (e.g., monthly maintenance or reporting fees) to Your outstanding\n balance. These fees, which do not accrue interest, will be itemized in a revised invoice sent to You. <\/p>\n <p>The current CTOS fee rate is RM [insert amount, e.g., 10.00] per month, subject to change based on\n CTOS's prevailing charges. <\/p>\n <p>44.5 User Rights<\/p>\n <p>Under the Personal Data Protection Act 2010 (PDPA), You may request access to or correction of Your data\n submitted to CTOS by contacting support@louisthai.com. The Company will process such requests within 21\n days. <\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-14-45\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 45 | ENFORCEMENT AND DEBT RECOVERY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>45.1 Debt Recovery<\/p>\n <p>In the event of non-payment, the Company may engage authorized debt recovery agencies to pursue overdue\n amounts, including accrued interest and CTOS fees. You shall be liable for reasonable recovery costs\n incurred by the Company, in addition to the overdue amount. <\/p>\n <p>45.2 Equitable Estoppel<\/p>\n <p>If the invoice is silent on interest or CTOS fees, the Company shall not claim such amounts under the\n Equitable Estoppel Doctrine, in accordance with Section 61(2) of the Sale of Goods Act 1957 and Section 11\n of the Civil Law Act 1956. <\/p>\n <p>45.3 Compliance<\/p>\n <p>Interest rates, CTOS reporting, and recovery procedures shall comply with applicable Malaysian laws,\n including the Contracts Act 1950 and the Credit Reporting Agencies Act 2010. The Company shall not claim\n amounts deemed unconscionable by a court of law.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-15\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 15<\/h2>\n <div class=\"section-sub\">USER CONDUCT AND INTERACTION<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>USER CONDUCT AND INTERACTION<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-15-46\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 46 | HEALTH DECLARATION FOR THAI TATTOO<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>46.1 For Thai tattoo services (in Thai pronunciation known as "Sak Yant") and Gold Needle\n (talisman product), the User shall declare the health condition and have agreed to assume such risks.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-47\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 47 | SOCIAL MEDIA COMMUNITY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>47.1 The Company's social media shall be a spam-free zone. Any User who contravenes these rules\n shall be banned from the Company's social media community.<\/p>\n <div class=\"gap\"><\/div>\n <p>47.2 No posts or comments that is discriminatory, overtly sexual, harassment contents, threatening\n comments, defamatory, obscene and offensive in nature shall be allowed.<\/p>\n <div class=\"gap\"><\/div>\n <p>47.3 The Company recommends open discussions to help solve the Users' issues. The Company welcomes\n positive and negative feedbacks and can be submitted to https:\/\/louisthai.com\/contact\/ or email us at\n support@louisthai.com<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-48\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 48 | DATA PROTECTION AND CROSS-BORDER DATA TRANSFER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>48.1 Data Processing<\/p>\n <p>"Data" refers to identifiable information collected by the Company, processed in accordance\n with the Personal Data Protection Act 2010 (PDPA). Users shall not resell or disclose Data without the\n Company's prior written consent.<\/p>\n <p>48.2 Cross-Border Data Transfer<\/p>\n <p>The Company may store or process Your Data on secure servers located outside Malaysia, provided such\n servers comply with PDPA standards or equivalent data protection laws. By using the Service, You consent\n to such cross-border data transfers.<\/p>\n <p>48.3 Opt-Out Option<\/p>\n <p>If You do not consent to cross-border data transfers, You may opt out by submitting a written request to\n support@louisthai.com. Upon receipt, the Company will restrict Your Data to servers within Malaysia,\n subject to operational feasibility. Note that opting out may limit access to certain Services.<\/p>\n <p>48.4 User Rights<\/p>\n <p>You may request access, correction, or deletion of Your Data under PDPA by contacting\n support@louisthai.com. The Company will process such requests within 21 days.<\/p>\n <p>48.5 Confidentiality<\/p>\n <p>Any confidential information submitted by You requires the Company's prior written consent for\n disclosure, except as required by law.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-49\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 49 | FEEDBACK AND TESTIMONIALS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>49.1 Purpose<\/p>\n <p>LOUIS THAI values Your feedback and may request testimonials to improve Our Services and promote Our\n business. This clause governs the submission and use of Your feedback or testimonials.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.2 Submission of Feedback<\/p>\n <div class=\"gap\"><\/div>\n <p>49.2.1 You may provide feedback about Our Services via Our Website (https:\/\/louisthai.com\/contact\/),\n email, WhatsApp, or other designated channels.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.2.2 Feedback should be honest, respectful, and compliant with Our Zero Tolerance Policy (Clause 15).\n <\/p>\n <div class=\"gap\"><\/div>\n <p>49.2.3 We may contact You to clarify or verify Your feedback to ensure accuracy.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.3 Use of Testimonials<\/p>\n <div class=\"gap\"><\/div>\n <p>49.3.1 By submitting feedback, You grant LOUIS THAI a non-exclusive, royalty-free, perpetual right to\n use, publish, and reproduce Your feedback as a testimonial for marketing purposes, including on Our\n Website, social media, or promotional materials.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.3.2 We will anonymize Your feedback (e.g., using initials or a pseudonym) unless You provide explicit\n written consent to include Your name or other identifying details, in compliance with the Personal Data\n Protection Act 2010 (PDPA).<\/p>\n <div class=\"gap\"><\/div>\n <p>49.3.3 You may request the removal of Your testimonial at any time by contacting Us, and We will comply\n promptly, subject to PDPA requirements.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.4 Client Rights<\/p>\n <div class=\"gap\"><\/div>\n <p>49.4.1 Submitting feedback is voluntary, and You are not obligated to provide testimonials.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.4.2 You retain ownership of Your feedback but acknowledge Our right to use it as outlined in this\n clause.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.4.3 Under the PDPA, You may request acAcess to or correction of Your feedback held by Us.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.5 Limitation of Liability<\/p>\n <p>LOUIS THAI shall not be liable for any inaccuracies in published testimonials, provided We act in good\n faith and correct errors promptly upon Your notification.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-50\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 50 | APPLICABLE LAW AND CONFLICT RESOLUTION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>50.1 Governing Law<\/p>\n <p>This Agreement is governed by and construed in accordance with the laws of Malaysia<\/p>\n <p>50.2 Jurisdiction<\/p>\n <p>All disputes arising out of or in connection with this Agreement shall be subject to the exclusive\n jurisdiction of the courts of Malaysia. By using the Service, international Users expressly agree to\n submit to the jurisdiction of Malaysian courts, regardless of their place of residence or domicile.<\/p>\n <p>50.3 Mediation<\/p>\n <p>Prior to initiating legal proceedings, the parties agree to attempt to resolve any dispute through good\n faith mediation. Either party may initiate mediation by sending a written request to the other party, and\n the mediation shall be conducted in Kuala Lumpur by a mutually agreed mediator within 30 days of the\n request. Mediation costs shall be shared equally unless otherwise agreed.<\/p>\n <p>50.4 Arbitration<\/p>\n <p>If mediation fails to resolve the dispute, the parties agree to submit the dispute to binding arbitration\n in Kuala Lumpur, conducted in accordance with the rules of the Asian International Arbitration Centre\n (AIAC, formerly KLRCA). <\/p>\n <p>50.4.1 The arbitration shall be conducted in English by a single arbitrator appointed under AIAC rules\n (e.g., "in accordance with the Arbitration Act 2005 and AIAC rules") and the arbitral award\n shall be final and binding.<\/p>\n <div class=\"gap\"><\/div>\n <p>50.5 Costs<\/p>\n <p>In arbitration, the losing party, as determined by the arbitrator's final award, shall bear all\n costs incurred by both the claimant and the respondent, including but not limited to legal fees,\n arbitrator fees, and administrative fees. In mediation, each party shall bear its own costs unless the\n mediator determines otherwise based on the outcome or conduct of the parties.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-51\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 51 | CONFER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>51.1 For any further clarification of Our Terms and Conditions, please write to Us at\n support@louisthai.com <\/p>\n <div class=\"gap\"><\/div>\n <p>51.2 If you desire to contact Louis Thai International Group (LTG) for any reason, you can submit an\n e-mail via support@louisthai.com <\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-16\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 16<\/h2>\n <div class=\"section-sub\">GOVERNS THE TRANSITION OF EXISTING CUSTOMERS TO THE UPDATED TERMS AND CONDITIONS\n <\/div>\n <\/div>\n <div class=\"card-body\">\n <p>GOVERNS THE TRANSITION OF EXISTING CUSTOMERS TO THE UPDATED TERMS AND CONDITIONS<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-16-52\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 52 | APPLICATION OF UPDATED TERMS AND CONDITIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>52.1 Definition of Existing Customers<\/p>\n <div class=\"gap\"><\/div>\n <p>52.1.1 For the purposes of this Clause, "Existing Customers" refers to Users who registered\n with or used the Platform or Services prior to the effective date of these Terms and Conditions (May 01,\n 2025).<\/p>\n <div class=\"gap\"><\/div>\n <p>52.2 Notification of Changes<\/p>\n <div class=\"gap\"><\/div>\n <p>52.2.1 The Company shall notify Existing Customers of any amendments to these Terms and Conditions,\n including the effective date, via:<\/p>\n <p>a. Social Media Open Announcement, Facebook Page, Instagram Page, Whatsapp Manue ect., by the User;<\/p>\n <pre> b. Announcement on the Website (https:\/\/louisthai.com); or<\/pre>\n <pre> c. Pop-up notification upon login to the Platform.<\/pre>\n <p>52.2.2 Notifications shall include a summary of key changes and a link to the updated Terms and\n Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p>52.3 Transition Period<\/p>\n <div class=\"gap\"><\/div>\n <p>52.3.1 Existing Customers shall have a transition period of thirty (30) days from the date of\n notification to review and accept the updated Terms and Conditions. During this period:<\/p>\n <p>a. Existing Customers may continue using the Platform and Services under the previous Terms and\n Conditions (October 2024 Edition 2.0), unless they expressly accept the updated Terms and Conditions.<\/p>\n <p>b. Continued use of the Platform or Services after the transition period shall constitute acceptance of\n the updated Terms and Conditions.<\/p>\n <p>52.4 Existing Contracts<\/p>\n <div class=\"gap\"><\/div>\n <p>52.4.1 Any contracts, orders, or transactions (including instalment plans under Clause 4.14 entered into\n by Existing Customers under the previous Terms and Conditions shall remain governed by those terms until:\n <\/p>\n <p>a. The contract or transaction is fully performed; or<\/p>\n <p>b. The Existing Customer expressly agrees to apply the updated Terms and Conditions to such contracts or\n transactions.<\/p>\n <p>52.4.2 For clarity, new transactions initiated after 01 May 2025 shall be governed by these Terms and\n Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p>52.5 Data Protection Compliance<\/p>\n <div class=\"gap\"><\/div>\n <p>52.5.1 Changes to data processing or cross-border data transfer policies (as per Clause 43) shall be\n separately notified to Existing Customers in accordance with the Personal Data Protection Act 2010 (PDPA).\n <\/p>\n <div class=\"gap\"><\/div>\n <p>52.5.2 Existing Customers may exercise their rights to restrict data storage to Malaysia servers (Clause\n 43.3) during the transition period.<\/p>\n <div class=\"gap\"><\/div>\n <p>52.6 Dispute Resolution for Transition<\/p>\n <div class=\"gap\"><\/div>\n <p>52.6.1 Any disputes arising from the transition to these Terms and Conditions shall be resolved in\n accordance with Clause 20 (Governing Law and Dispute Resolution), with mediation attempted prior to\n arbitration at the Asian International Arbitration Centre (AIAC).<\/p>\n <div class=\"gap\"><\/div>\n <p>52.7 Contact for Clarifications<\/p>\n <div class=\"gap\"><\/div>\n <p>52.7.1 Existing Customers may contact the Company at support@louisthai.com or louisthaiofficial@gmail.com\n for clarifications regarding the updated Terms and Conditions or this transition process.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-17\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 17<\/h2>\n <div class=\"section-sub\">INSPECTION AND INVESTIGATION UNIT (IICU)<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>INSPECTION AND INVESTIGATION UNIT (IICU)<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-17-53\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 53 | OPERATION OF THE IICU TASK FORCE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>53.1 Purpose of the IICU<\/p>\n <p>The Inspection and Investigation of Case Unit (IICU) Task Force is established by the Company to enhance\n service quality, ensure compliance with company regulations, and safeguard User rights through case\n investigations, feedback collection, and service standard monitoring.<\/p>\n <div class=\"gap\"><\/div>\n <p>53.2 Scope of IICU Activities<\/p>\n <pre> The IICU may conduct the following activities:<\/pre>\n <p>53.2.1 Inspection and investigation of cases to ensure compliance with these Terms and Conditions;<\/p>\n <div class=\"gap\"><\/div>\n <p>53.2.1.1 Feedback Collect<\/p>\n <p>Collection of User feedback via phone calls, online surveys, or face-to-face interviews;<\/p>\n <p>53.2.1.2 Monitoring and improvement<\/p>\n <p>Monitoring and improvement of service standards to ensure fair and high-quality User experiences.<\/p>\n <p>53.3 User Cooperation<\/p>\n <p>Users are encouraged to cooperate with IICU representatives by providing accurate and timely feedback\n when contacted. Cooperation is voluntary, and Users may decline to participate without affecting their\n access to Services, subject to Clause 48.4.<\/p>\n <p>53.4 Consequences of Non-Cooperation<\/p>\n <div class=\"gap\"><\/div>\n <p>53.4.1 Failure to cooperate with IICU investigations may limit the Company's ability to resolve\n specific cases (e.g., complaints under Clause 3.5) or verify information (e.g., debt recovery under Clause\n 39). <\/p>\n <div class=\"gap\"><\/div>\n <p>53.4.2 The Company reserves the right to take appropriate actions, including service suspension, in\n accordance with these Terms and Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p>53.5 Data Protection<\/p>\n <div class=\"gap\"><\/div>\n <p>53.5.1 All data collected during IICU activities shall be processed in compliance with the Personal Data\n Protection Act 2010 (PDPA). <\/p>\n <div class=\"gap\"><\/div>\n <p>53.5.2 Users will be notified of data collection purposes and may exercise their rights under Clause 43.4\n (User Rights) to access or correct their data.<\/p>\n <div class=\"gap\"><\/div>\n <p>53.6 Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>53.6.1 Any disputes arising from IICU activities shall be resolved in accordance with Clause 20\n (Governing Law and Dispute Resolution) through mediation and arbitration at the Asian International\n Arbitration Centre (AIAC).<\/p>\n <div class=\"gap\"><\/div>\n <p>53.7 Contact for Clarifications<\/p>\n <div class=\"gap\"><\/div>\n <p>53.7.1 Users may contact the Company at support@louisthai.com for inquiries regarding IICU activities or\n to provide feedback.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-18\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 18<\/h2>\n <div class=\"section-sub\">ARTIFICIAL INTELLIGENCE USE<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>ARTIFICIAL INTELLIGENCE USE<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-18-54\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 54 | AI OPERATIONS AND DATA PROCESSING<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>54.1 Purpose of AI Use<\/p>\n <div class=\"gap\"><\/div>\n <p>54.1.1 The Company may employ Artificial Intelligence (AI) technologies to enhance service delivery,\n including but not limited to customer support, data analysis, personalized recommendations, and\n operational efficiency, in compliance with applicable laws.<\/p>\n <div class=\"gap\"><\/div>\n <p>54.2 Scope of AI Activities<\/p>\n <pre> AI may be used for:<\/pre>\n <p>a. Automating customer interactions (e.g., chatbots for inquiries at support@louisthai.com);<\/p>\n <p>b. Analyzing User data to improve services (e.g., purchase patterns, ritual preferences);<\/p>\n <p>c. Supporting case investigations under Clause 48 (IICU);<\/p>\n <p>d. Assisting in credit risk assessments under Clause 39 (Credit Reporting and CTOS Services).<\/p>\n <p>54.3 Data Protection and Transparency<\/p>\n <div class=\"gap\"><\/div>\n <p>54.3.1 All AI data processing shall comply with the Personal Data Protection Act 2010 (PDPA). Users will\n be notified of AI use in data processing, and may exercise rights under Clause 43.4 (User Rights) to\n access, correct, or restrict data processing.<\/p>\n <div class=\"gap\"><\/div>\n <p>54.4 User Consent and Opt-Out<\/p>\n <div class=\"gap\"><\/div>\n <p>54.4.1 By using the Platform or Services, Users consent to AI data processing as described in this\n Clause. <\/p>\n <div class=\"gap\"><\/div>\n <p>54.4.2 Users may opt out of non-essential AI features (e.g., personalized recommendations) by contacting\n support@louisthai.com, subject to service limitations.<\/p>\n <div class=\"gap\"><\/div>\n <p>54.5 AI Decision-Making<\/p>\n <div class=\"gap\"><\/div>\n <p>54.5.1 AI-based decisions affecting Users (e.g., credit assessments) shall be transparent, with human\n oversight. <\/p>\n <div class=\"gap\"><\/div>\n <p>54.5.2 Users may request explanations of AI decisions via s1.<\/p>\n <div class=\"gap\"><\/div>\n <p>54.6 Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>54.6.1 Any disputes arising from AI use shall be resolved in accordance with Clause 20 (Governing Law and\n Dispute Resolution) through mediation and arbitration at the Asian International Arbitration Centre\n (AIAC).<\/p>\n <div class=\"gap\"><\/div>\n <p>54.7 Contact for Clarifications<\/p>\n <div class=\"gap\"><\/div>\n <p>54.7.1 Users may contact the Company at support@louisthai.com for inquiries regarding AI use or data\n processing.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-19\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 19<\/h2>\n <div class=\"section-sub\">WEBAPP USE AND TRANSACTIONS<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>WEBAPP USE AND TRANSACTIONS<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-19-55\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 55 | WEBAPP OPERATIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>55.1 Purpose of the Webapp<\/p>\n <p>The Company's Webapp, accessible via https:\/\/louisthai.com or related platforms, provides online\n services, including but not limited to ritual bookings, product purchases, customer support, and account\n management.<\/p>\n <p>55.2 Scope of Webapp Activities<\/p>\n <pre> The Webapp may facilitate:<\/pre>\n <p>a. Booking of Services (e.g., Witthi rituals under Clause 3.2.17);<\/p>\n <p>b. Purchase of Products (e.g., talismans under MSIC 46909);<\/p>\n <pre> c. Customer interactions via AI chatbots or support channels;<\/pre>\n <p>d. User account management and data processing.<\/p>\n <p>55.3 User Obligations<\/p>\n <p>Users shall:<\/p>\n <p>a. Provide accurate information for Webapp registration and transactions;<\/p>\n <p>b. Comply with these Terms and Conditions, including Clause 30 (Zero Tolerance Policy);<\/p>\n <p>c. Safeguard login credentials and report unauthorized access to support@louisthai.com.<\/p>\n <p>55.4 Data Protection<\/p>\n <div class=\"gap\"><\/div>\n <p>55.4.1 All data collected via the Webapp shall comply with the Personal Data Protection Act 2010 (PDPA).\n <\/p>\n <div class=\"gap\"><\/div>\n <p>55.4.2 Data shall be secured using 256-bit encryption, and Users may exercise rights under Clause 43.4\n (User Rights).<\/p>\n <div class=\"gap\"><\/div>\n <p>55.5 Electronic Transactions<\/p>\n <p>Orders and acceptances via the Webapp constitute valid contracts under the Electronic Commerce Act 2006.\n Transaction terms shall align with Clause 25 (Offer and Acceptance of the Service) and Clause 27\n (Exclusive Refund).<\/p>\n <p>55.6 Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>55.6.1 Any disputes arising from Webapp use shall be resolved in accordance with Clause 20 (Governing Law\n and Dispute Resolution) through mediation and arbitration at the Asian International Arbitration Centre\n (AIAC).<\/p>\n <div class=\"gap\"><\/div>\n <p>55.7 Contact for Clarifications<\/p>\n <p>Users may contact the Company at support@louisthai.com for inquiries regarding Webapp use or\n transactions.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-20\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 20<\/h2>\n <div class=\"section-sub\">CREDIT E-CARD PROGRAM<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>CREDIT E-CARD PROGRAM<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-20-56\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 56 | CREDIT E-CARD ISSUANCE AND PURPOSE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>56.1 Definition<\/p>\n <p>The "Credit e-Card" is an electronic voucher issued exclusively by Louis Thai International\n Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") to eligible\n Users, providing a monetary credit that can be applied as a discount toward the purchase of eligible\n Products or Services on the Platform (https:\/\/louisthai.com). The Credit e-Card is not for sale and is\n issued solely at the Company's discretion.<\/p>\n <div class=\"gap\"><\/div>\n <p>56.2 Issuance Conditions<\/p>\n <p>a. Credit e-Cards may be issued as part of promotional activities, compensation for service disruptions\n (e.g., delays under Clause 26), or goodwill gestures (e.g., apologies for errors), as determined by LOUIS\n THAI.<\/p>\n <p>b. The credit amount and validity period will be specified at issuance and communicated via email or the\n User's registered account on the Platform.<\/p>\n <p>c. Issuance is governed by the Consumer Protection Act 1999 to ensure fairness and transparency.<\/p>\n <p>56.3 Eligibility<\/p>\n <p>a. Only registered Users aged 18 or above with a verified account are eligible to receive a Credit\n e-Card.<\/p>\n <p>b. Credit e-Cards are non-transferable, non-exchangeable, and may not be purchased, sold, or used by\n third parties.<\/p>\n <p>56.4 Credit Allocation<\/p>\n <p>a. The credit value (e.g., RM 100 for Product\/Service A) will be determined based on the context of\n issuance (e.g., compensation amount) and will be clearly stated on the e-Card.<\/p>\n <p>b. Credits are applied as a discount at checkout and cannot exceed the total purchase amount; no cash\n refunds or change will be provided for unused credit.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-20-57\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 57 | USAGE OF CREDIT E-CARD<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>57.1 Redemption Process<\/p>\n <p>a. Users must redeem the Credit e-Card by entering the unique e-Card code during the checkout process on\n the Platform.<\/p>\n <p>b. The discount will be reflected instantly, reducing the payable amount (e.g., RM 100 for\n Product\/Service A may be discounted to RM 0 if the full credit is applied).<\/p>\n <p>57.2 Eligible Products and Services<\/p>\n <p>a. Credit e-Cards are valid only for eligible Products (e.g., talismans under MSIC 46909) and Services\n (e.g., fortune-telling under MSIC 96092) as designated by LOUIS THAI and listed on the Platform.<\/p>\n <p>b. Credits cannot be combined with other discounts, promotions, or Free-Of-Charge (FOC) offers (Clause\n 35) unless explicitly permitted.<\/p>\n <p>57.3 Expiration and Forfeiture<\/p>\n <p>a. Credit e-Cards expire on the date specified at issuance (e.g., 30 days from issuance), after which any\n remaining credit will be forfeited.<\/p>\n <p>b. LOUIS THAI is not liable for unused credits due to expiration or User negligence, except in cases of\n Company error.<\/p>\n <p>57.4 Limitations<\/p>\n <p>a. Each Credit e-Card is valid for a single transaction unless otherwise specified.<\/p>\n <p>b. In case of returns or cancellations, the credit will be reinstated to the e-Card only if the original\n purchase was made using the e-Card, subject to Clause 34 (Refund Policy).<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-20-58\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 58 | MANAGEMENT AND TERMINATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>58.1 Account Management<\/p>\n <p>a. Users are responsible for safeguarding their Credit e-Card code. LOUIS THAI will not reissue lost,\n stolen, or misused codes.<\/p>\n <p>b. Any misuse (e.g., unauthorized sharing or fraudulent use) may result in cancellation of the e-Card and\n potential account suspension under Clause 30 (Zero Tolerance Policy).<\/p>\n <p>58.2 Termination or Modification by Company<\/p>\n <p>a. LOUIS THAI reserves the right to cancel, modify, or terminate the Credit e-Card Program, including\n individual e-Cards, with 14 days' prior notice via the Platform or email, in compliance with the\n Consumer Protection Act 1999.<\/p>\n <p>b. Modifications may include changes to credit validity or redemption terms, and Users will be notified\n of material changes.<\/p>\n <p>58.3 Transition of Credits<\/p>\n <p>a. Upon Program termination, Users may redeem existing credits within 30 days of the announcement,\n subject to availability of eligible Products or Services.<\/p>\n <p>58.4 Dispute Resolution<\/p>\n <p>a. Disputes related to Credit e-Cards will be resolved under Clause 45 (Applicable Law and Conflict\n Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per\n the Arbitration Act 2005.<\/p>\n <p>58.5 Liability<\/p>\n <p>LOUIS THAI shall not be liable for technical issues (e.g., Platform errors) preventing e-Card use, except\n in cases of gross negligence, as governed by applicable Malaysian laws.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-21\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 21<\/h2>\n <div class=\"section-sub\">GOODVIEW COMPENSATION POLICY: COMPENSATION AND ASSISTANCE FOR DENIED SERVICES,\n CANCELLATION, OR LONG DELAY POLICY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>GOODVIEW COMPENSATION POLICY: COMPENSATION AND ASSISTANCE FOR DENIED SERVICES, CANCELLATION, OR LONG DELAY\n POLICY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-21-59\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 59 | ELIGIBILITY AND SCOPE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>59.1 Purpose<\/p>\n <p>Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") provides compensation and assistance to Users affected by denied Services, cancellations,\n or long delays under the GoodView Compensation Policy, ensuring fair treatment in compliance with the\n Consumer Protection Act 1999. This policy upholds the values of Your time, trust, and destiny by offering\n structured compensation for delays in inquiries (pre-payment) and Service delivery (post-payment).<\/p>\n <div class=\"gap\"><\/div>\n <p>59.2 Response and Service Standards<\/p>\n <p>a. All new private message (PM) inquiries or initial User contacts via the Platform, email, WhatsApp, or\n other designated channels must be responded to within 48 hours.<\/p>\n <p>b. Services must be delivered within 12 hours after full payment is confirmed, unless otherwise specified\n in the booking confirmation or affected by force majeure (Clause 25).<\/p>\n <p>c. Delays are measured from the time of inquiry submission or payment confirmation, excluding\n non-business hours (e.g., weekends, public holidays in Malaysia).<\/p>\n <div class=\"gap\"><\/div>\n <p>59.3 Eligible Scenarios<\/p>\n <p>Compensation applies to the following, provided they are caused by LOUIS THAI or its affiliates:<\/p>\n <p>a. Denied Services: Refusal of booked Services (e.g., fortune-telling or rituals under MSIC 96092) due to\n reasons listed in Clause 32.3 (e.g., overbooking, staff unavailability).<\/p>\n <p>b. Cancellation: LOUIS THAI-initiated cancellation of Services or Product orders (e.g., talismans under\n MSIC 46909) due to operational issues, regulatory restrictions, or force majeure (Clause 25).<\/p>\n <p>c. Long Delay:<\/p>\n <p>i. Pre-Payment Inquiry Delays (e.g., delayed responses to new PM inquiries): Compensation in the form of\n discounts on future purchases.<\/p>\n <div class=\"gap\"><\/div>\n <p>ii. Post-Payment Service Delays (e.g., rituals or blessings delayed beyond the standards in 50.2(b)):\n Compensation in the form of e-Credits.<\/p>\n <div class=\"gap\"><\/div>\n <p>iii. Product deliveries delayed beyond 30 days from the estimated delivery date (Clause 26.4).<\/p>\n <div class=\"gap\"><\/div>\n <p>59.4 Eligibility Criteria<\/p>\n <p>a. Users must have a verified account, be aged 18 or above (Clause 2.1), and provide proof of the delay\n (e.g., timestamps from the Platform).<\/p>\n <p>b. Exclusions: Users banned under Clause 30 (Zero Tolerance Policy), involved in fraudulent activities,\n or responsible for the delay\/cancellation (e.g., providing incorrect details). Compensation does not apply\n to outcomes subject to individual circumstances (Clause 3.4).<\/p>\n <div class=\"gap\"><\/div>\n <p>59.5 Non-Eligible Scenarios<\/p>\n <p>a. Delays or cancellations due to User error or failure to comply with these Terms.<\/p>\n <p>b. Events covered by force majeure (Clause 25) unless LOUIS THAI opts to provide discretionary\n compensation.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-21-60\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 60 | COMPENSATION PROCESS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>60.1 Compensation Mechanism for Pre-Payment Inquiry Delays<\/p>\n <p>(a) If the response to a new inquiry exceeds 48 hours:<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>Category A<\/strong> Delay Hours before respond of new enquire; Ref.<\/p>\n <p>Discount % on the quoted Service\/Product<\/p>\n <pre>(i) Starting on 13 hours late \u2192 10% Discounts<\/pre>\n <pre>(ii) 14 hours between 24 hours late \u2192 15% Discounts<\/pre>\n <pre>(iii) 25 hours between 48 hours late \u2192 25% Discounts<\/pre>\n <pre>(iv) 49 hours between 72 hours late \u2192 35% Discounts<\/pre>\n <pre>(vi) More than >72 hours and above late \u2192 50% Discounts<\/pre>\n <div class=\"gap\"><\/div>\n <p>(b) Discounts are applied via <strong>Discount Codes<\/strong> or <strong>Direct Fee Deduction<\/strong> at\n the time of purchase and cannot be combined with other promotions or FOC offers (Clause 35).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.2 Compensation Mechanism for Post-Payment Service Delays<\/strong><\/p>\n <p>(a) If Service delivery <strong>exceeds 24 hours after payment<\/strong>:<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>Category B<\/strong> Delay Hours after Payment Ref.<\/p>\n <p>Discount % on the quoted Service\/Product<\/p>\n <pre>(i) 24 hours late \u2192 10% e-Credit<\/pre>\n <pre>(ii) 48 hours late \u2192 15% e-Credit<\/pre>\n <pre>(iii) 72 hours late \u2192 25% e-Credit<\/pre>\n <pre>(iv) 72 hours late \u2192 35% e-Credit<\/pre>\n <pre>(v) 96 hours late \u2192 50% e-Credit<\/pre>\n <div class=\"gap\"><\/div>\n <p>(b) e-Credits are issued as Credit e-Cards (Clause 52), redeemable for future Services\/Products, and\n expire after 12 months. They cannot be exchanged for cash unless mandated by law.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.3 Claim Procedure<\/strong><\/p>\n <p>(a) Users must file a claim within 48 hours after being notified of a delay (or becoming aware of it) via\n email (support@louisthai.com), the Platform, WhatsApp, or Facebook Messenger, providing:<\/p>\n <p>(i) Booking\/inquiry reference.<\/p>\n <p>(ii) Proof of delay (e.g., timestamps, payment receipt).<\/p>\n <p>(iii) Description of the impact.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Failure to claim within 48 hours may disqualify the User from compensation.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Compensation will be provided through Discount Codes, Direct Fee Deduction, Free Service Upgrade\n (e.g., priority rescheduling), or e-Credit, at LOUIS THAI's discretion.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.4 Step 2: Assessment by LOUIS THAI<\/strong><\/p>\n <p>(a) LOUIS THAI will acknowledge the claim within 24 hours and assign it to the Inspection and\n Investigation Unit (IICU, Article 17).<\/p>\n <p>(b) The IICU will investigate and determine eligibility within 5 working days, considering the cause and\n impact.<\/p>\n <p>(c) Users will be notified of the outcome via email or the Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.5 Step 3: Delivery of Compensation<\/strong><\/p>\n <p>(a) Approved compensation will be issued within 7 working days (e.g., e-Credits to the User's\n account).<\/p>\n <p>(b) All compensation is final and non-negotiable, subject to Clause 45 (Dispute Resolution). Cash refunds\n are not available unless required by the Consumer Protection Act 1999 (cross-reference Clause 34).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.6 Limitations<\/strong><\/p>\n <p>(a) Compensation does not cover indirect losses (e.g., emotional distress beyond optional support in\n Clause 57).<\/p>\n <p>(b) Only one compensation type per incident; repeated claims may lead to review under Clause 30.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-21-61\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 61 | ASSISTANCE AND DISPUTE RESOLUTION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>61.1 Assistance Process<\/p>\n <p>a. LOUIS THAI will provide ongoing support, including:<\/p>\n <p>i. Status updates within 24 hours of a reported issue.<\/p>\n <p>ii. Guidance on rescheduling or alternative options via support@louisthai.com.<\/p>\n <p>b. The IICU may contact Users for additional information (Article 17), with<\/p>\n <p>cooperation encouraged but voluntary (Clause 48.3).<\/p>\n <div class=\"gap\"><\/div>\n <p>61.2 User Responsibilities<\/p>\n <p>a. Users must provide accurate and timely information to facilitate<\/p>\n <pre> investigations.<\/pre>\n <p>b. Non-cooperation may result in delayed or denied compensation, as per<\/p>\n <pre> Clause 48.4.<\/pre>\n <div class=\"gap\"><\/div>\n <p>61.3 Data Protection<\/p>\n <p>a. All personal data collected during the compensation process will be<\/p>\n <p>processed in compliance with the Personal Data Protection Act 2010 (PDPA).<\/p>\n <p>b. Users may exercise rights to access, correct, or delete data under Clause<\/p>\n <p>61.4. by contacting support@louisthai.com.<\/p>\n <div class=\"gap\"><\/div>\n <p>61.4 Dispute Resolution<\/p>\n <p>a. Disputes regarding compensation eligibility or delivery will be resolved<\/p>\n <p>under Clause 45, involving:<\/p>\n <p>i. Mediation in Kuala Lumpur within 30 days of a written request.<\/p>\n <p>ii. Arbitration at the Asian International Arbitration Centre (AIAC) per the<\/p>\n <p>iii. Arbitration Act 2005 if mediation fails.<\/p>\n <pre> b. The losing party bears all costs, as per Clause 45.5.<\/pre>\n <div class=\"gap\"><\/div>\n <p>61.5 Liability<\/p>\n <p>a. LOUIS THAI is not liable for consequential damages arising from denied<\/p>\n <p>Services, cancellations, or delays, except as required by the Consumer<\/p>\n <p>Protection Act 1999.<\/p>\n <p>b. Technical issues (e.g., Platform errors) preventing compensation delivery<\/p>\n <p>are not compensable unless caused by gross negligence.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-21-62\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 62 | RIGHT TO CARE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>62.1 Purpose<\/p>\n <p>LOUIS THAI is committed to ensuring Users affected by denied Services, cancellations, or long delays\n receive compassionate and prioritized care to mitigate inconvenience and maintain trust, in alignment with\n the Consumer Protection Act 1999.<\/p>\n <p>62.2 Care Entitlements<\/p>\n <p>Eligible Users (as per Clause 34.3) will receive:<\/p>\n <p>a. Personalized Communication: A dedicated support representative will contact the User within 24 hours\n of notification (Clause 35.1) to offer apologies, explain the issue, and outline compensation options.<\/p>\n <p>b. Priority Handling: Compensation claims will be prioritized over non-urgent inquiries, with expedited\n IICU review within 3 working days (instead of 5).<\/p>\n <p>c. Emotional Support Option: For Service-related issues (e.g., delayed rituals), Users may request a\n complimentary 15-minute consultation with a spiritual advisor to address emotional distress, subject to\n availability.<\/p>\n <div class=\"gap\"><\/div>\n <p>62.3 Request Process<\/p>\n <p>a. Users may request Right to Care services when submitting their notification (Clause 35.1) by\n indicating their preference (e.g., "Request emotional support").<\/p>\n <p>b. Requests will be acknowledged within 24 hours, with care services arranged within 5 working days.<\/p>\n <div class=\"gap\"><\/div>\n <p>62.4 Limitations<\/p>\n <p>a. Right to Care services are discretionary and do not constitute a legal obligation unless required by\n the Consumer Protection Act 1999.<\/p>\n <p>b. Emotional support consultations are limited to one per incident and cannot be exchanged for monetary\n compensation.<\/p>\n <p>c. Users abusing this entitlement (e.g., repeated unfounded requests) may be excluded under Clause 30.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>62.5 Data Protection<\/p>\n <p>a. Personal data collected for Right to Care services (e.g., consultation notes) will be processed per\n the Personal Data Protection Act 2010, with confidentiality assured except where legally required (Clause\n 43).<\/p>\n <div class=\"gap\"><\/div>\n <p>62.6 Disputes<\/p>\n <p>a. Disputes regarding Right to Care services will follow Clause 45 (Dispute Resolution), with mediation\n and arbitration as needed.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-22\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 22<\/h2>\n <div class=\"section-sub\">ANTI-CORRUPTION AND PAYMENT POLICY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>ANTI-CORRUPTION AND PAYMENT POLICY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-22-63\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 63 | PAYMENT METHOD RESTRICTIONS AND ANTI-CORRUPTION MEASURES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>63.1 Purpose<\/p>\n <p>Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") is committed to upholding the highest standards of integrity, transparency, and\n compliance with anti-corruption laws. To enhance financial security, operational efficiency, and prevent\n bribery and corruption among its management and staff, LOUIS THAI shall no longer accept cash, cheques, or\n any form of offline payment, effective immediately as of 08:32 PM +08, May 20, 2025. This policy reflects\n the high-level commitment of LOUIS THAI's senior management to foster an ethical business\n environment, aligning with the Malaysian Anti-Corruption Commission Act 2009 (MACC Act 2009) and the\n Anti-Corruption Act 2018.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.2 Payment Restrictions<\/p>\n <div class=\"gap\"><\/div>\n <p>63.2.1 All transactions for Products (as defined in Article 1) and Services (as defined in Article 1)\n must be conducted through approved online payment methods, including but not limited to bank card\n payments, electronic fund transfers, and the Company's Webapp (https:\/\/louisthai.com) as outlined in\n Article 19, Clause 50.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.2.2 The Company reserves the right to update the list of approved payment methods with prior notice\n via the Website (https:\/\/louisthai.com) or email, in accordance with Clause 23, Section 19.1.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.2.3 Any attempt to use cash, cheques, or offline payment methods after the effective date will be\n deemed invalid, and the Company shall not be obligated to process such transactions.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3 Anti-Corruption Rationale and Control Measures<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3.1 The elimination of cash and offline payments is implemented to mitigate the risk of bribery,\n kickbacks, and corrupt practices between LOUIS THAI's management, staff, and third parties, including\n clients and suppliers. This decision is based on a risk assessment conducted by the Company, identifying\n cash transactions as a vulnerability for financial misconduct.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3.2 Control measures include the adoption of digitized payment systems with end-to-end encryption,\n real-time transaction monitoring, and mandatory online payment verification, all compliant with the\n Personal Data Protection Act 2010 (PDPA).<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3.3 This measure aligns with the Malaysian Anti-Corruption Commission Act 2009 and the Anti-Corruption\n Act 2018, and supports the Company's Zero Tolerance Policy under Article 11, Clause 30.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3.4 All payment records will be subject to systematic audits conducted quarterly by an independent\n internal team to ensure compliance and detect irregularities.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4 Supervision and Enforcement<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4.1 The Company's Inspection and Investigation Unit (IICU, Article 17) will oversee the\n implementation of this policy, with authority to investigate any suspected breaches of payment\n restrictions or corrupt practices.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4.2 Supervision and enforcement will involve regular reviews of payment data, collaboration with\n external auditors, and reporting of violations to the Malaysian Anti-Corruption Commission (MACC) where\n necessary, in accordance with the MACC Act 2009.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4.3 Users (as defined in Article 1) agree to comply with this payment restriction and provide accurate\n payment details through approved channels.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4.4 Non-compliance with this Clause may result in transaction cancellation, service suspension, or\n reporting to relevant authorities, as per Clause 30 (Zero Tolerance Policy).<\/p>\n <div class=\"gap\"><\/div>\n <p>63.5 Training and Communication<\/p>\n <div class=\"gap\"><\/div>\n <p>63.5.1 LOUIS THAI will conduct training and communication sessions for all staff and management to ensure\n understanding and adherence to this anti-corruption policy and payment restrictions. Training will cover\n anti-bribery laws, digital payment procedures, and ethical conduct, commencing within 30 days of the\n effective date (by June 19, 2025).<\/p>\n <div class=\"gap\"><\/div>\n <p>63.5.2 Users will be informed through training and communication via email, the Website\n (https:\/\/louisthai.com), and a pop-up notification upon login, effective May 20, 2025.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.6 A transition period of 30 days from the effective date (until June 19, 2025) is provided for users\n to adapt to online payment methods. During this period, the Company may, at its discretion, process\n pending offline payments received prior to May 20, 2025, subject to verification.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.7 Limitation of Liability<\/p>\n <div class=\"gap\"><\/div>\n <p>63.7.1 LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from the rejection\n of cash or offline payments, except in cases of gross negligence, as governed by the Consumer Protection\n Act 1999.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.7.2 The Company is not responsible for technical issues with online payment platforms, unless caused\n by its own misconduct.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.8 Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>63.8.1 Any disputes arising from this Clause shall be resolved in accordance with Article 16, Clause 45,\n through mediation and arbitration at the Asian International Arbitration Centre (AIAC) per the Arbitration\n Act 2005.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.8.2 Users may contact support@louisthai.com for clarifications or to report issues related to payment\n restrictions.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.9 Compliance with Law<\/p>\n <div class=\"gap\"><\/div>\n <p>63.9.1 This Clause is enforced in accordance with the Malaysian Anti-Corruption Commission Act 2009, the\n Anti-Corruption Act 2018, and other applicable Malaysian laws. In the event of a conflict between this\n Clause and legal requirements, the latter shall prevail, and LOUIS THAI will adjust its practices\n accordingly.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-23\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 23<\/h2>\n <div class=\"section-sub\">ARTICLE 23<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>Digital Certificate Installation Consent & Network Usage Agreement<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-23-64\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 64 | CONSENT TO DIGITAL CERTIFICATE INSTALLATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>64.1 Purpose and Scope<\/p>\n <div class=\"gap\"><\/div>\n <p>a. LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") requires certain users of Our network services to install a Digital Certificate issued by\n a Certificate Authority (CA) ("Digital Certificate") to enable enhanced security monitoring,\n lawful content filtering, and network management.<\/p>\n <div class=\"gap\"><\/div>\n <p>b. This Article applies to all Employees, Clients, and Visitors who use the Company's wired or\n wireless network services ("Company Network Services").<\/p>\n <div class=\"gap\"><\/div>\n <p>c. By using Company Network Services, You acknowledge and agree to the terms of this Article.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2 Consent to Digital Certificate Installation<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2.1 You understand that to access certain Company Network Services securely, You may be requested to\n voluntarily install a Digital Certificate on Your Device.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2.2 Installation of the Digital Certificate is voluntary, and You may refuse to install it; however,\n certain services (such as full HTTPS inspection, advanced content filtering) may be unavailable without\n installation.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2.3 Prior to installation, We will provide You with clear notice regarding:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. The purpose of the Digital Certificate<\/p>\n <div class=\"gap\"><\/div>\n <p>b. The type of data it may process<\/p>\n <div class=\"gap\"><\/div>\n <p>c. How it will be used and stored<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2.4 By proceeding with installation, You expressly consent to:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. The installation of the Digital Certificate on Your Device<\/p>\n <div class=\"gap\"><\/div>\n <p>b. The monitoring and management of network traffic in accordance with this Article<\/p>\n <div class=\"gap\"><\/div>\n <p>c. The processing of Your data as outlined herein, in compliance with the Personal Data Protection Act\n 2010 (PDPA).<\/p>\n <div class=\"gap\"><\/div>\n <p>64.3 Network Usage Policy<\/p>\n <div class=\"gap\"><\/div>\n <p>64.3.1 You agree to use Company Network Services only for lawful purposes and in compliance with all\n applicable Malaysian laws, including but not limited to:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. Personal Data Protection Act 2010 (PDPA)<\/p>\n <div class=\"gap\"><\/div>\n <p>b. Communications and Multimedia Act 1998<\/p>\n <div class=\"gap\"><\/div>\n <p>c. Consumer Protection Act 1999<\/p>\n <div class=\"gap\"><\/div>\n <p>64.3.2 Prohibited activities include, but are not limited to:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. Attempting to bypass network security or filtering systems<\/p>\n <div class=\"gap\"><\/div>\n <p>b. Engaging in illegal activities such as hacking, piracy, or unauthorized access<\/p>\n <div class=\"gap\"><\/div>\n <p>c. Disseminating malicious software or spam<\/p>\n <div class=\"gap\"><\/div>\n <p>d. Conducting activities that may harm the integrity or availability of the Company's network or\n systems<\/p>\n <div class=\"gap\"><\/div>\n <p>64.3.3 LOUIS THAI reserves the right to monitor network traffic to ensure compliance with this Clause.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>64.4 Security and Privacy Commitment<\/p>\n <div class=\"gap\"><\/div>\n <p>64.4.1 The Digital Certificate will be used solely for security, lawful filtering, and operational\n management purposes.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.4.2 No personal data unrelated to network security or operational requirements will be collected or\n used beyond what is necessary to maintain a secure network environment.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.4.3 All monitoring and data handling shall be conducted in full compliance with the PDPA and\n applicable laws.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.4.4 The Company shall implement appropriate technical and organizational measures to protect the\n confidentiality, integrity, and availability of data processed via the Digital Certificate.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.5 Limitations of Liability<\/p>\n <div class=\"gap\"><\/div>\n <p>64.5.1 LOUIS THAI shall not be liable for any damages or losses arising from the voluntary installation\n or use of the Digital Certificate, except in cases of gross negligence or willful misconduct.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.5.2 You are solely responsible for ensuring that You have appropriate backups of Your Device prior to\n installing the Digital Certificate.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.5.3 If You choose not to install the Digital Certificate, You acknowledge that certain Company Network\n Services may not be fully available or functional.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.6 Revocation of Consent<\/p>\n <div class=\"gap\"><\/div>\n <p>64.6.1 You may revoke Your consent to the installation or continued use of the Digital Certificate at any\n time by submitting a written request to louisthai.digital@gmail.com<\/p>\n <div class=\"gap\"><\/div>\n <p>64.6.2 Upon receipt of Your request, LOUIS THAI will assist You in removing the Digital Certificate from\n Your Device.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.6.3 Revocation of consent may result in the limitation or termination of access to certain Company\n Network Services that require the Digital Certificate.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.7 Compliance with Laws<\/p>\n <div class=\"gap\"><\/div>\n <p>64.7.1 This Article shall be enforced in accordance with Malaysian laws, including but not limited to the\n Personal Data Protection Act 2010 (PDPA) and the Communications and Multimedia Act 1998.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.7.2 If any provision of this Article conflicts with applicable law, the latter shall prevail, and\n LOUIS THAI will adjust its practices accordingly.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8 Access to Agreement and Digital Signature<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8.1 You may access and download the full version of this Digital Certificate Installation Consent\n & Network Usage Agreement for Your records and reference.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8.2 To proceed with Your consent and to digitally sign this Agreement, please click the following URL:\n <\/p>\n <p>\ud83d\udd17 https:\/\/louisthai.com\/ca-consent-agreement (Insert actual URL as provided by Company IT team.)<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8.3 By clicking the URL and completing the digital signature process, You confirm that:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. You have read and understood this Agreement in full.<\/p>\n <div class=\"gap\"><\/div>\n <p>b. You voluntarily consent to the terms and conditions stated herein.<\/p>\n <div class=\"gap\"><\/div>\n <p>c. Your digital signature shall have the same legal force and effect as a handwritten signature.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8.4 The Company reserves the right to update the online Agreement version from time to time. You are\n encouraged to review the latest version prior to consenting.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-24\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 24<\/h2>\n <div class=\"section-sub\">FAAG Agreement | Failure to Assimilate Advised Guidance Agreement<\/div>\n <\/div>\n\n <details class=\"clause\" id=\"article-24-overview\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">FAAG Agreement | Failure to Assimilate Advised Guidance Agreement<\/span>\n <\/summary>\n <div class=\"content\">\n <p><strong>FAAG Agreement (Failure to Assimilate Advised Guidance Agreement)<\/strong><\/p>\n <p>The Client hereby acknowledges and agrees that, in circumstances where the projected success probability\n of any consultation, ritual, prediction, advisory service, or spiritual guidance provided by LOUIS THAI\n International Group Sdn. Bhd. ("the Company") is assessed to be below fifty percent (50%), and\n the Client nevertheless elects to proceed with the Service, all resulting outcomes classified as\n "Failure to Assimilate Advised Guidance (FAAG)" shall remain solely and entirely the\n Client's responsibility.<\/p>\n <div class=\"gap\"><\/div>\n <p>FAAG refers to the Client's refusal, omission, inability, or failure-whether deliberate or\n unintended-to understand, adopt, comply with, or follow the guidance, instructions, remedial actions,\n timelines, behavioural adjustments, or preventive steps advised by the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>Once the Client ticks, signs, agrees, or otherwise indicates acceptance of the FAAG Agreement (whether\n digitally or physically), no refund, reimbursement, damages, compensation, or remedy of any kind shall\n apply, notwithstanding any provision under the general Refund Policy of the Company.<\/p>\n <\/div>\n <\/details>\n\n\n <details class=\"clause\" id=\"clause-24-65\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 65 | FAILURE TO ASSIMILATE ADVISED GUIDANCE AGREEMENT (FAAG)<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>65.1 Definition<\/strong><\/p>\n <p>"Failure to Assimilate Advised Guidance (FAAG)" refers to the Client's failure, refusal,\n or omission to follow, implement, or reasonably attempt to implement the Company's advised steps,\n precautions, timing recommendations, behavioural adjustments, ritual follow-ups, or any form of\n post-consultation instructions.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>65.2 Client Acknowledgement Of Risk<\/strong><\/p>\n <p>The Client acknowledges that when the estimated success rate is below fifty percent (50%), the risk of\n failure is materially higher, and the Company shall not be held liable for any undesired outcome arising\n from the Client's informed decision to proceed.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>65.3 Assumption Of Responsibility<\/strong><\/p>\n <p>All consequences arising from FAAG are borne solely by the Client. The Company shall not be responsible\n for:<\/p>\n <pre> (a) lack of improvements,<\/pre>\n <pre> (b) delays in result manifestation,<\/pre>\n <pre> (c) worsening of circumstances due to Client's inaction,<\/pre>\n <pre> (d) the Client acting against advised timing or cautions,<\/pre>\n <pre> (e) external events caused by the Client's own behaviour or decisions.<\/pre>\n <div class=\"gap\"><\/div>\n <p><strong>65.4 Non-Refundability<\/strong><\/p>\n <p>Upon accepting the FAAG Agreement (including clicking acceptance digitally), the Client irrevocably\n agrees that:<\/p>\n <pre> (a) No refund shall be provided;<\/pre>\n <pre> (b) No free service replacement or goodwill compensation shall be issued;<\/pre>\n <pre> (c) No dispute or chargeback claim shall be entertained.<\/pre>\n <div class=\"gap\"><\/div>\n <p><strong>65.5 Legal Enforcability<\/strong><\/p>\n <p>\n <pre>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.<\/pre>\n <\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-25\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 25<\/h2>\n <div class=\"section-sub\">ARTICLE 25<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>Private Sales and Exclusive Client Offers<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-25-66\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 66 | PRIVATE SALES AND EXCLUSIVE CLIENT OFFERS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>66.1 Definition Legal Enforceability<\/strong><\/p>\n <p>Private Sales refer to invitation-only, non-publicly advertised sales events, promotions, or service\n offerings made available solely to selected Clients of the Company ("Private Sales").<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.2 Eligibility<\/strong><\/p>\n <p>(a) Private Sales shall be granted only to Clients who meet internal criteria determined by the Company,\n including but not limited to loyalty status (as per Clause 28 of the Loyalty Program), historical\n purchases, or strategic considerations (e.g., long-term partnerships). <\/p>\n <p>(b) Eligibility decisions are at the Company's sole discretion and may involve processing of Your\n personal data in compliance with the Personal Data Protection Act 2010 (PDPA). <\/p>\n <p>(c) Invitations will be extended via the Platform (https:\/\/louisthai.com), email, or WhatsApp to Your\n registered contact details.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.3 Confidentiality<\/strong><\/p>\n <p>(a) All pricing, offers, discounts, and information provided under Private Sales are strictly\n confidential.<\/p>\n <p>(b) You shall not disclose such information to any third party without prior written consent from the\n Company.<\/p>\n <p>(c) Breach of confidentiality may result in immediate revocation of eligibility and actions under the\n Zero Tolerance Policy (Clause 30).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.4 Non-Transferabilit<\/strong><\/p>\n <p>Private Sales benefits, invitations, or pricing privileges may not be transferred, assigned, or traded to\n any other person or entity. Any attempt to do so will void the offer and may lead to account suspension.\n <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.5 No Guarantee Of Continuity<\/strong><\/p>\n <p>(a) The Company may modify, suspend, or terminate any Private Sales privilege at any time with or without\n notice.<\/p>\n <p>(b) Your eligibility may be revoked at the Company's sole discretion (e.g., due to policy changes or\n misuse).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.6 Payment Terms<\/strong><\/p>\n <p>(a) Unless otherwise stated, all purchases under Private Sales follow the Company's standard payment\n terms as outlined in Clause 4 (You Agree and Confirm) and Clause 33 (Instalment Plan). <\/p>\n <p>(b) For international Clients, prices are subject to foreign exchange fees per Clause 4.13. <\/p>\n <p>(c) Private Sales may not be combined with other promotions, FOC offers (Clauses 24-25), or Credit\n e-Cards (Clause 52) unless explicitly permitted.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.7 No Refund For Exclusive Offers<\/strong><\/p>\n <p>(a) Private Sales items, once purchased or reserved, are strictly non-refundable, except where required\n by Malaysian law , including the Consumer Protection Act 1999 (CPA 1999).<\/p>\n <p>(b) This provision survives termination of Your account or the Private Sales program.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.8 Priority Access<\/strong><\/p>\n <p>(a) The Company may provide Private Sales Clients with early access to new services, products, or\n rituals, subject to availability. <\/p>\n <p>(b) Participation may earn Loyalty Points per Clause 28 of the Loyalty Program.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.9 Governing Law<\/strong><\/p>\n <p>This Article shall be governed by the laws of Malaysia, including the CPA 1999 and PDPA where applicable.\n Any disputes arising hereunder shall be resolved in accordance with Clause 45 (Applicable Law and Conflict\n Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per\n the Arbitration Act 2005.<\/p>\n <div class=\"gap\"><\/div>\n <p>Main Terms and Conditions Agreement 2025 Edition 2.0 ("MTCA 2025 EDI 2.0") (Formerly known as\n Client Terms and Conditions 2025 Edition 2.0 CTCA EDI 2.0<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n\n <div class=\"footer\">\n <div>\u00a9 LOUIS THAI International Group Sdn. Bhd.<\/div>\n <div>Tip: Use filter to quickly find key terms.<\/div>\n <\/div>\n\n <section class=\"section\" id=\"article-26\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 26<\/h2>\n <div class=\"section-sub\">QR PAYMENT AGREEMENT<\/div>\n <\/div>\n\n <div class=\"card-body\">\n <p>QR PAYMENT AGREEMENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-26-1\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 67 | CASHLESS & QR CODE PAYMENT TERMS AND CONDITIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>This QR Payment Agreement (\u201cAgreement\u201d) governs the use of cashless and QR code\u2013based payment services\n offered by LOUIS THAI International Group Sdn. Bhd. (Company Registration No.: 202101033331 (1433631-V))\n (\u201cCompany\u201d, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d).<\/p>\n <div class=\"gap\"><\/div>\n <p>By scanning a QR code, authorising payment, or completing any QR-based transaction, you (\u201cCustomer\u201d,\n \u201cyou\u201d, or \u201cpayer\u201d) acknowledge that you have read, understood, and agreed to be legally bound by this\n Agreement, which forms an integral part of these Terms and Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.1 Definition of QR Payment<\/strong><\/p>\n <p>(a) \u201cQR Payment\u201d refers to any payment made through a Quick Response (QR) code using approved third-party\n cashless or electronic payment platforms, including but not limited to GrabPay, Touch \u2019n Go, Boost,\n ShopeePay, DuitNow QR, bank QR systems, or any other authorised payment channels accepted by the Company\n from time to time.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.2 Acceptance of Charges<\/strong><\/p>\n <p>By proceeding with a QR Payment, you expressly agree and confirm that you shall:<\/p>\n <p>(a) Pay the full amount displayed prior to payment confirmation, including all applicable service\n charges, taxes, administrative fees, and adjustments (if any); <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Accept the final transaction amount as shown on the invoice, receipt, or electronic transaction\n record; <\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Acknowledge that once a QR Payment is successfully authorised, the transaction shall be final,\n binding, and conclusive, unless otherwise required under applicable Malaysian law.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.3 Transaction Authorisation<\/strong><\/p>\n <p>(a) You represent, warrant, and confirm that:<\/p>\n <p>(i) You are the lawful and authorised user of the bank account, digital wallet, or payment facility used;\n <\/p>\n <p>(ii) You have sufficient balance, credit, or authorisation to complete the transaction; <\/p>\n <p>(iii) You expressly authorise the relevant payment provider to debit the stated amount on your behalf.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company shall not be responsible or liable for any failed, delayed, or rejected transactions\n arising from insufficient funds, technical failures, network disruptions, or third-party payment platform\n issues.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.4 No Signature Required<\/strong><\/p>\n <p>You acknowledge and agree that:<\/p>\n <p>(a) QR Payment authorisation constitutes valid electronic consent under Malaysian law;<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) No physical signature, handwritten confirmation, or additional verification is required once payment\n has been successfully completed;<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Electronic records, invoices, receipts, system logs, and transaction timestamps shall constitute\n conclusive and binding proof of payment.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.5 Refunds & Reversals<\/strong><\/p>\n <p>(a) Unless expressly stated otherwise in writing by the Company:<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) All QR Payments are non-refundable and non-reversible;<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Any refunds, if approved, shall be strictly subject to the Company\u2019s Refund Policy, Service Terms,\n Warranty Policy, or Compensation Policy, where applicable;<\/p>\n <div class=\"gap\"><\/div>\n <p>(d) All third-party processing fees, platform charges, banking fees, or currency conversion costs are\n strictly non-refundable.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.6 Disputes & Chargebacks<\/strong><\/p>\n <p>In the event of any payment dispute or claim:<\/p>\n <p>(a) You agree to first contact the Company directly to seek resolution;<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Any unauthorised chargeback initiated without prior communication may result in suspension of\n Services, refusal of future transactions, or other remedial action;<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) The Company reserves the right to disclose relevant transaction records, QR logs, timestamps,\n invoices, and supporting evidence to banks, payment providers, regulators, or authorities, where required.\n <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.7 Third-Party Payment Providers<\/strong><\/p>\n <p>You acknowledge and agree that:<\/p>\n <p>(a) QR Payments are processed via independent third-party payment providers, each governed by their own\n terms and conditions; <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company does not control, operate, or guarantee the availability, uptime, security, or processing\n speed of such platforms;<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Any disputes arising from third-party platform operations shall primarily be governed by the\n respective provider\u2019s policies, without prejudice to this Agreement or the Company\u2019s rights.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.8 Data & Privacy<\/strong><\/p>\n <p>(a) Payment-related data shall be collected, processed, and stored in accordance with:<\/p>\n <p>(i) the Personal Data Protection Act 2010 (PDPA) of Malaysia; and<\/p>\n <p>(ii) the Company\u2019s Privacy Policy.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company does not store sensitive payment credentials, including but not limited to PINs,\n passwords, or authentication codes.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.9 Limitation of Liability<\/strong><\/p>\n <p>(a) To the fullest extent permitted by law, the Company shall not be liable for any loss, damage, or\n inconvenience arising from:<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) QR scanning errors, system delays, or technical malfunctions;<\/p>\n <p>(i) Payment platform outages or maintenance; <\/p>\n <p>(ii) Network, device, banking, or telecommunications failures beyond the Company\u2019s reasonable control;\n <\/p>\n <p>(iii) Any indirect, incidental, special, or consequential losses relating to QR Payments.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.10 Governing Law & Jurisdiction<\/strong><\/p>\n <p>(a) This Agreement shall be governed by and construed in accordance with the laws of Malaysia, and shall\n be read together with the governing law and dispute resolution provisions of these Terms and Conditions.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Any disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia, unless\n otherwise agreed under an applicable arbitration clause.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.11 Amendments<\/strong><\/p>\n <p>(a) The Company reserves the right to amend, update, or replace this QR Payment Agreement at any time.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The version in force at the time the QR Payment is made shall apply and be binding on the Customer.\n <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.12 Acknowledgement<\/strong><\/p>\n <p>By completing a QR Payment, you expressly confirm and agree that:<\/p>\n <p>\n <pre>\u201cI agree to pay the above total amount according to the QR Payment Agreement of LOUIS THAI International Group Sdn. Bhd.\u201d<\/pre>\n <\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n <\/section>\n <section class=\"section\" id=\"article-27\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 27<\/h2>\n <div class=\"section-sub\">RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-27-68\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 68 | RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>Cross-reference:<\/strong> This Clause is governed in addition by Clause 69 (Free Will &\n Non-Manipulation Principle).<\/p>\n <div class=\"gap\"><\/div>\n <p>(a) Where two or more Clients are spouses, partners, former spouses, family members, relatives, or\n otherwise related parties, each Client shall be treated as an independent and separate individual case by\n LOUIS THAI International Group Sdn. Bhd. (\u201cthe Company\u201d).<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The existence of any marital, familial, emotional, or personal relationship between Clients shall not\n create any joint rights, joint obligations, or shared service expectations unless expressly agreed in\n writing by the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.2 No Mediation, Arbitration, or Personal Decision Influence<\/strong><\/p>\n <div class=\"gap\"><\/div>\n <p>(a) The Company does not act as a mediator, arbitrator, legal representative, marriage counsellor, or\n decision-maker in personal, marital, or relationship matters, including but not limited to:<\/p>\n <p>(i) marriage, divorce, reconciliation, separation,<\/p>\n <p>(ii) emotional disputes or relationship conflicts,<\/p>\n <p>(iii) consent, agreement, or refusal by another party.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company shall not be responsible for, nor obligated to influence, alter, persuade, compel, or\n predict the personal decisions, intentions, or free will of any third party, including another Client who\n may be related to the requesting Client.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.3 Separation of Information and Confidentiality<\/strong><\/p>\n <div class=\"gap\"><\/div>\n <p> (a) All consultations, records, analyses, predictions, recommendations, or communications provided to a\n Client shall remain strictly confidential and segregated.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company shall not disclose, reference, compare, or cross-use information between related Clients,\n nor shall it confirm, deny, or comment on another Client\u2019s consultation, intention, or outcome, even where\n such Clients are spouses or related parties.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.4 Conflict Escalation and Service Limitation<\/strong><\/p>\n <p>(a) Where opposing intentions, objectives, or expectations arise between related Clients, and such\n circumstances may reasonably result in:<\/p>\n <p>(i) ethical conflict,<\/p>\n <p>(ii) reputational risk,<\/p>\n <p>(iii) emotional escalation,<\/p>\n <p>(iv) legal exposure, or<\/p>\n <p>(v) misuse of the Company\u2019s services,<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) the Company reserves the absolute right, at its sole discretion, to limit, suspend, decline, or\n terminate services to one or more affected Clients, without liability or obligation to provide\n justification beyond compliance with this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.5 No Guarantee of Relationship Outcome<\/strong><\/p>\n <p>(a) Any service, consultation, analysis, or recommendation provided by the Company is offered strictly on\n an informational and advisory basis and does not guarantee any specific relationship outcome, agreement,\n reconciliation, separation, or legal result.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) All personal and relationship decisions remain solely the responsibility of the Client.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.6 Survival and Priority<\/strong><\/p>\n <div class=\"gap\"><\/div>\n <p>(a) This Clause shall survive the completion, suspension, or termination of services and shall apply\n notwithstanding any conflicting expectations, assumptions, or representations by Clients.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n <\/section>\n <section class=\"section\" id=\"article-28\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 28<\/h2>\n <div class=\"section-sub\">FREE WILL & NON-MANIPULATION PRINCIPLE<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>FREE WILL & NON-MANIPULATION PRINCIPLE<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-28-69\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 69 | REE WILL & NON-MANIPULATION PRINCIPLE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>69.1 Principle. LOUIS THAI provides Services for personal guidance, self-reflection, and lawful spiritual\n or cultural purposes only. All decisions, actions, and outcomes remain solely within the Client\u2019s own free\n will and responsibility.<\/p>\n <div class=\"gap\"><\/div>\n <p>69.2 No Manipulation \/ No Coercion. You acknowledge and agree that LOUIS THAI does not and will not\n provide any Service intended to coerce, compel, manipulate, control, or override the free will, consent,\n or lawful choices of any other person (including spouses, partners, family members, or third parties).<\/p>\n <div class=\"gap\"><\/div>\n <p>69.3 Prohibited Requests. Without limitation, You must not request or use Our Services for:<\/p>\n <p>(a) forcing or pressuring another person to love, return, reconcile, separate, divorce, sign documents,\n transfer property, or make any legal decision;<\/p>\n <p>(b) influencing another person\u2019s consent, judgement, or behavior through intimidation, deception,\n harassment, or undue pressure; or<\/p>\n <p>(c) any act that may constitute unlawful coercion, stalking, harassment, defamation, blackmail, or abuse\n under Malaysian law.<\/p>\n <div class=\"gap\"><\/div>\n <p>69.4 Service Refusal \/ Suspension. If We reasonably believe that a request, instruction, or use of\n Services violates this Clause or creates elevated legal\/ethical risk, We may refuse, limit, pause, or\n terminate the Service immediately, without liability, and without any obligation to provide a specific\n outcome.<\/p>\n <div class=\"gap\"><\/div>\n <p>69.5 Individual Circumstances & No Guarantee. Outcomes are subjective and dependent on individual\n circumstances. Any interpretation, guidance, or spiritual practice does not guarantee results and shall\n not be treated as a substitute for professional legal, medical, psychological, or counselling advice.<\/p>\n <div class=\"gap\"><\/div>\n <p>69.6 Related Parties. Where two or more Clients are related parties and hold opposing intentions, Our\n handling shall remain strictly independent and subject to this Clause. (Cross-reference: Clause 68 \u2013\n Related Parties & Personal Relationship Conflicts.)<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n <\/section>\n\n\n\n <\/main>\n <\/div>\n\n <script>\n const expandAll = document.getElementById('expandAll');\n const collapseAll = document.getElementById('collapseAll');\n const printBtn = document.getElementById('printBtn');\n const filter = document.getElementById('filter');\n const navList = document.getElementById('navList');\n\n function setAll(open) {\n document.querySelectorAll('details.clause').forEach(d => d.open = open);\n }\n\n expandAll.addEventListener('click', () => setAll(true));\n collapseAll.addEventListener('click', () => setAll(false));\n printBtn.addEventListener('click', () => window.print());\n\n \/\/ Filter: hides cards that don't match\n function normalize(s) {\n return (s || '').toLowerCase();\n }\n\n filter.addEventListener('input', () => {\n const q = normalize(filter.value.trim());\n const cards = document.querySelectorAll('details.clause');\n if (!q) {\n cards.forEach(c => c.style.display = '');\n return;\n }\n cards.forEach(c => {\n const text = normalize(c.innerText);\n c.style.display = text.includes(q) ? '' : 'none';\n });\n });\n\n \/\/ Smooth scroll & auto-open target card\n navList.addEventListener('click', (e) => {\n const a = e.target.closest('a');\n if (!a) return;\n const href = a.getAttribute('href');\n if (!href || !href.startsWith('#')) return;\n const target = document.querySelector(href);\n if (!target) return;\n if (target.tagName === 'DETAILS') target.open = true;\n setTimeout(() => target.scrollIntoView({ behavior: 'smooth', block: 'start' }), 0);\n });\n <\/script>\n\n<\/body>\n\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Main Terms and Conditions Agreement| LOUIS THAI LOUIS THAI \ud83e\ude82 Expand All \ud83e\udebdCollapse \ud83d\udda8\ufe0f Print Sections \ud83d\udcac Preamble \ud83d\udd16 Captions \ud83d\udce2 Acknowledgment \ud83d\ude47\ud83c\udffc\u200d\u2642\ufe0f Message from the Board (CEO\/President) \ud83d\udc66\ud83c\udffb Message from the Board (Proposed Director) \ud83e\udd36\ud83c\udffb Message from the Stakeholder Article 1 Article 2 Article 3 Article 4 Article 5 Article 6 Article 7 Article […]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","_joinchat":[],"footnotes":""},"class_list":["post-8219","page","type-page","status-publish","hentry","entry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/pages\/8219","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/comments?post=8219"}],"version-history":[{"count":40,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/pages\/8219\/revisions"}],"predecessor-version":[{"id":8273,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/pages\/8219\/revisions\/8273"}],"wp:attachment":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/media?parent=8219"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

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\n\t\t\t\t\t\n\n\n\n \n \n Main Terms and Conditions Agreement| LOUIS THAI<\/title>\n <meta name=\"color-scheme\" content=\"light\" \/>\n <style>\n \/* --- Layout hardening (uniform card sizing) --- *\/\n *,\n *::before,\n *::after {\n box-sizing: border-box;\n }\n\n \/* Keep all cards the same width and prevent accidental shrink\/expand *\/\n details.clause,\n .card-body {\n width: 100%;\n max-width: 100%;\n overflow: hidden;\n }\n\n \/* Ensure headers don't collapse into different heights due to wrapping quirks *\/\n summary {\n width: 100%;\n }\n\n \/* Consistent spacing between cards even if edited later *\/\n details.clause {\n margin: 10px 0;\n }\n\n .card-body {\n margin: 10px 0;\n }\n\n \/* Prevent long words\/URLs from forcing odd card widths *\/\n .content,\n .card-body {\n overflow-wrap: anywhere;\n word-break: break-word;\n }\n\n \/* If any element was changed to inline, force block-level layout *\/\n details,\n summary,\n .content,\n .card-body {\n display: block;\n }\n\n 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transform: translate(-50%, -50%);\n }\n\n .chev:after {\n transform: translate(-50%, -50%) rotate(90deg);\n }\n\n details[open] .chev:after {\n display: none\n }\n\n .title {\n min-width: 0\n }\n\n .content {\n padding: 0 14px 14px;\n border-top: 1px solid var(--line);\n }\n\n p {\n margin: 10px 0;\n font-size: 15px;\n line-height: 1.72;\n color: rgba(0, 0, 0, .86);\n }\n\n pre {\n margin: 12px 0;\n padding: 12px;\n border-radius: 12px;\n border: 1px solid var(--line);\n background: var(--card);\n font-family: var(--mono);\n font-size: 13px;\n line-height: 1.6;\n overflow: auto\n }\n\n .gap {\n height: 8px\n }\n\n .card-body {\n border: 1px solid var(--line);\n border-radius: var(--radius);\n padding: 14px;\n background: #fff\n }\n\n .footer {\n margin-top: 40px;\n padding-top: 16px;\n border-top: 1px solid var(--line);\n color: var(--muted);\n font-size: 12px;\n display: flex;\n justify-content: space-between;\n gap: 10px;\n flex-wrap: wrap\n }\n\n @media (max-width: 980px) {\n .layout {\n grid-template-columns: 1fr;\n }\n\n .nav {\n position: relative;\n top: auto;\n }\n\n .nav-list {\n max-height: 280px\n }\n }\n\n @media print {\n\n .topbar,\n .nav,\n .btn {\n display: none !important;\n }\n\n .layout {\n grid-template-columns: 1fr;\n max-width: 100%;\n padding: 0 10px;\n }\n }\n <\/style>\n<\/head>\n\n<body>\n\n <header class=\"topbar\">\n <div class=\"top-inner\">\n <div class=\"brand\">LOUIS THAI<\/div>\n <div class=\"right\">\n <button class=\"btn\" id=\"expandAll\" type=\"button\">\ud83e\ude82 Expand All<\/button>\n <button class=\"btn\" id=\"collapseAll\" type=\"button\">\ud83e\udebdCollapse<\/button>\n <button class=\"btn\" id=\"printBtn\" type=\"button\">\ud83d\udda8\ufe0f Print<\/button>\n <\/div>\n <\/div>\n <\/header>\n\n <div class=\"layout\">\n <aside class=\"nav\" aria-label=\"Navigation\">\n <h3>Sections<\/h3>\n <div class=\"search\">\n <input id=\"filter\" type=\"search\" placeholder=\"Filter cards\u2026 (e.g., refund, PDPA)\" autocomplete=\"off\" \/>\n <\/div>\n <div class=\"nav-list\" id=\"navList\">\n <a class=\"nav-item\" href=\"#preamble-card\">\ud83d\udcac Preamble<\/a>\n <a class=\"nav-item\" href=\"#captions-card\">\ud83d\udd16 Captions<\/a>\n <a class=\"nav-item\" href=\"#acknowledgment-card\">\ud83d\udce2 Acknowledgment<\/a>\n <a class=\"nav-item\" href=\"#msg-board-ceo\">\ud83d\ude47\ud83c\udffc\u200d\u2642\ufe0f Message from the Board (CEO\/President)<\/a>\n <a class=\"nav-item\" href=\"#msg-board-proposed\">\ud83d\udc66\ud83c\udffb Message from the Board (Proposed Director)<\/a>\n <a class=\"nav-item\" href=\"#msg-stakeholder\">\ud83e\udd36\ud83c\udffb Message from the Stakeholder<\/a>\n <a class=\"nav-item\" href=\"#article-1\">Article 1<\/a>\n <a class=\"nav-item\" href=\"#article-2\">Article 2<\/a>\n <a class=\"nav-item\" href=\"#article-3\">Article 3<\/a>\n <a class=\"nav-item\" href=\"#article-4\">Article 4<\/a>\n <a class=\"nav-item\" href=\"#article-5\">Article 5<\/a>\n <a class=\"nav-item\" href=\"#article-6\">Article 6<\/a>\n <a class=\"nav-item\" href=\"#article-7\">Article 7<\/a>\n <a class=\"nav-item\" href=\"#article-8\">Article 8<\/a>\n <a class=\"nav-item\" href=\"#article-9\">Article 9<\/a>\n <a class=\"nav-item\" href=\"#article-10\">Article 10<\/a>\n <a class=\"nav-item\" href=\"#article-11\">Article 11<\/a>\n <a class=\"nav-item\" href=\"#article-12\">Article 12<\/a>\n <a class=\"nav-item\" href=\"#article-13\">Article 13<\/a>\n <a class=\"nav-item\" href=\"#article-14\">Article 14<\/a>\n <a class=\"nav-item\" href=\"#article-15\">Article 15<\/a>\n <a class=\"nav-item\" href=\"#article-16\">Article 16<\/a>\n <a class=\"nav-item\" href=\"#article-17\">Article 17<\/a>\n <a class=\"nav-item\" href=\"#article-18\">Article 18<\/a>\n <a class=\"nav-item\" href=\"#article-19\">Article 19<\/a>\n <a class=\"nav-item\" href=\"#article-20\">Article 20<\/a>\n <a class=\"nav-item\" href=\"#article-21\">Article 21<\/a>\n <a class=\"nav-item\" href=\"#article-22\">Article 22<\/a>\n <a class=\"nav-item\" href=\"#article-23\">Article 23<\/a>\n <a class=\"nav-item\" href=\"#article-24\">Article 24<\/a>\n <a class=\"nav-item\" href=\"#article-25\">Article 25<\/a>\n <a class=\"nav-item\" href=\"#article-26\">Article 26<\/a>\n <a class=\"nav-item\" href=\"#article-27\">Article 27<\/a>\n <a class=\"nav-item\" href=\"#article-28\">Article 28<\/a>\n <\/div>\n <\/aside>\n\n <main>\n <div class=\"hero\">\n <h1>Main Terms and Conditions Agreement<\/h1>\n <div class=\"sub\">MTCA 2025 \/ B.E. 2568 \u2022 Each item is a card \u2014 click to expand.<\/div>\n <\/div>\n\n <section class=\"section\" id=\"front-matter\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Front Matter<\/h2>\n <div class=\"section-sub\">Preamble \u2022 Captions \u2022 Acknowledgment \u2022 Messages<\/div>\n <\/div>\n\n <details class=\"clause\" id=\"preamble-card\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Preamble<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"section-sub\">Main Terms and Conditions Agreement (MTCA)<\/div>\n <p>Main Terms and Conditions Agreement (MTCA) 2025\/B.E. 2568 Edition 1.0\/MTCA Ed 1.0<\/p>\n <div class=\"gap\"><\/div>\n <p>This Main Terms and Conditions Agreement ("MTCA") 2025\/B.E. 2568 establishes the primary rules,\n obligations, and rights governing all interactions, services, and engagements between LOUIS THAI\n International Group Sdn. Bhd. ("LOUIS THAI") and its Clients, Guests, Patrons, and NGO Bodies.\n <\/p>\n <p>By accessing, engaging with, or receiving services from LOUIS THAI, all parties hereby acknowledge and\n agree to be bound by the provisions of this MTCA, unless superseded by a specific agreement or memorandum\n duly executed with LOUIS THAI.<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"captions-card\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Captions<\/span>\n <\/summary>\n <div class=\"content\">\n <p>The title or caption of each Article of these Terms & Conditions Section is for understanding purpose\n and is not to be used for interpretation of the text.<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"acknowledgment-card\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Acknowledgment<\/span>\n <\/summary>\n <div class=\"content\">\n <p>These are the Terms and Conditions governing the use of this Service and the agreement that operates\n between You and the Company. These Terms and Conditions set out the rights and obligations of all users\n regarding the use of the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>Your access to and use of the Service is conditioned on Your acceptance of and compliance with these\n Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use\n the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree\n with any part of these Terms and Conditions, then You may not access the Service.<\/p>\n <p>You represent that you are over the age of eighteen (18). The Company does not permit those under 18 to\n use the Service unless provision and guidance by parental.<\/p>\n <div class=\"gap\"><\/div>\n <p>Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the\n Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection,\n use and disclosure of Your personal information when You use the Application or the Website and tells You\n about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before\n using Our Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>Welcome to LOUISTHAI.COM, (hereinafter referred to as the "Website", "We,"\n "Us," or "Our"), owned and operated by Louis Thai International Group (Malaysia) Sdn\n Bhd (hereinafter referred to as "the Company") (Company No. 202101033331(1433631-V) which is\n incorporated in Kuala Lumpur, Malaysia with its registered office located at Tower 1 Grand Subang SS13,\n Jalan SS13\/4, Subang Jaya 47500, Selangor D.E. Malaysia. The Website is offered to You conditioned on Your\n acceptance without modification of the Terms, Conditions, and notices contained herein (the\n "Terms").<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"msg-board-ceo\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Message from the Board | Chief Executive Office & President<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"section-sub\">Chief Executive Office and President<\/div>\n <p>As the business landscape evolves rapidly and regulatory expectations continue to grow, it is imperative\n that we at Louis Thai Group remain firmly committed to upholding the highest standards of professionalism,\n transparency, and accountability.<\/p>\n <div class=\"gap\"><\/div>\n <p>The release of our Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) represents\n a significant step forward in reinforcing this commitment. This comprehensive document has been\n thoughtfully revised and expanded to reflect the dynamic needs of our clients, align with relevant\n Malaysian legislation, and further strengthen the integrity of our operations.<\/p>\n <p>Among the key enhancements in this edition are stronger provisions around data protection, responsible\n network usage, client conduct, and dispute resolution - areas that are increasingly vital in today's\n digital and highly connected business environment. <\/p>\n <div class=\"gap\"><\/div>\n <p>The introduction of the Digital Certificate Installation Consent & Network Usage Agreement within\n Article 23 exemplifies our proactive approach to ensuring secure, ethical, and compliant interactions\n across our network infrastructure.<\/p>\n <p>At Louis Thai Group, we view trust as the cornerstone of our relationships with our clients, partners,\n and stakeholders. The CTCA 2025 EDI 2.0 embodies this trust, providing clarity and confidence in every\n engagement we undertake.<\/p>\n <div class=\"gap\"><\/div>\n <p>We would like to express our sincere appreciation to all those who contributed to the development of this\n document and to our clients for their continued trust and support.<\/p>\n <p>As we look ahead, we remain committed to continuous improvement and to ensuring that our practices not\n only comply with legal standards but also reflect the values of integrity, respect, and service excellence\n that define the Louis Thai brand.<\/p>\n <div class=\"gap\"><\/div>\n <p>On behalf of the Board of Directors,<\/p>\n <div class=\"gap\"><\/div>\n <p>Wong Shee Yee, Louis<\/p>\n <p>Member of the Board of Director<\/p>\n <p>LOUIS THAI Group Malaysia<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"msg-board-proposed\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Message from the Board | Proposed Director<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"section-sub\">Proposed Director<\/div>\n <p>I am honoured to contribute to the Group's ongoing efforts to foster a culture of transparency,\n accountability, and client-centric service.<\/p>\n <div class=\"gap\"><\/div>\n <p>The Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) is not merely a legal\n document; it is a reflection of our core values and a testament to our unwavering commitment to protecting\n the rights and interests of our valued clients.<\/p>\n <p>In this latest edition, particular attention has been devoted to strengthening key areas such as data\n privacy, ethical client engagement, and responsible network usage - matters that have become increasingly\n vital in today's technology-driven business environment.<\/p>\n <div class=\"gap\"><\/div>\n <p>The incorporation of new provisions, including the Digital Certificate Installation Consent & Network\n Usage Agreement, ensures that our clients remain well-informed, empowered, and protected in all\n interactions with our network services.<\/p>\n <p>Although I do not yet serve as a member of the Board, I am privileged to support the Group's ongoing\n initiatives that promote robust corporate governance, legal compliance, and long-term client trust.<\/p>\n <div class=\"gap\"><\/div>\n <p>My involvement in this process is guided by the belief that clarity, fairness, and foresight are\n essential in crafting agreements that safeguard both the company and its clients. The meticulous structure\n of this Agreement reflects our commitment to ensuring peace of mind for every client engaging with Louis\n Thai Group.<\/p>\n <div class=\"gap\"><\/div>\n <p>I encourage all clients and stakeholders to review this document carefully and to reach out with any\n questions or feedback. Open dialogue and mutual understanding remain fundamental to building relationships\n that are not only long-lasting but grounded in trust - values that lie at the heart of Louis Thai Group.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>On behalf of the Board of Directors,<\/p>\n <div class=\"gap\"><\/div>\n <p>Heng Kai Lun, Henry<\/p>\n <p>Proposed Director <\/p>\n <p>LOUIS THAI Group Kuala Lumpur<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"msg-stakeholder\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Message from the Stakeholder | Equity Stakeholder<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"section-sub\">Equity Stakeholder<\/div>\n <p>As a stakeholder of Louis Thai Group, I am pleased to witness the continuous evolution of our corporate\n governance practices and our unwavering commitment to serving clients with the highest standards of\n integrity and transparency.<\/p>\n <div class=\"gap\"><\/div>\n <p>The release of the Client Terms and Conditions Agreement 2025 Edition 2.0 (CTCA 2025 EDI 2.0) marks a\n significant milestone in our ongoing journey to build a client-first organization that upholds legal\n compliance and fosters trust in every interaction.<\/p>\n <div class=\"gap\"><\/div>\n <p>From strengthened data protection provisions to a renewed focus on ethical network usage and client\n conduct, this Agreement demonstrates that Louis Thai Group not only embraces regulatory requirements but\n also proactively sets internal standards that exceed them.<\/p>\n <div class=\"gap\"><\/div>\n <p>As stakeholders, we fully support the Group's efforts to provide clients with clear, transparent,\n and legally sound policies. The inclusion of the Digital Certificate Installation Consent & Network\n Usage Agreement further exemplifies the Group's dedication to respecting clients' privacy and\n empowering them with informed choices.<\/p>\n <div class=\"gap\"><\/div>\n <p>We believe that trust, transparency, and accountability are the foundations of sustainable success. This\n updated Agreement is a living embodiment of those principles, and we encourage all clients and partners to\n engage with it openly and constructively.<\/p>\n <div class=\"gap\"><\/div>\n <p>We look forward to continuing to work alongside the leadership team and the broader community to uphold\n the values that make Louis Thai Group a trusted name in its field.<\/p>\n <div class=\"gap\"><\/div>\n <p>On behalf of the Stakeholders,<\/p>\n <div class=\"gap\"><\/div>\n <p>Stakeholder Representative<\/p>\n <p>Stakeholder<\/p>\n <p>LOUIS THAI Group Malaysia<\/p>\n <\/div>\n <\/details>\n\n <section class=\"section\" id=\"article-1\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 1<\/h2>\n <div class=\"section-sub\">DEFINITIONS AND PROVISIONS INTERPRETATION AND DEFINITIONS OF THE AGREEMENT<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>DEFINITIONS AND PROVISIONS INTERPRETATION AND DEFINITIONS OF THE AGREEMENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-1-interpretation\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Interpretation<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>Interpretation<\/strong><\/p>\n <p>The words of which the initial letter is capitalized have meanings defined under the following\n conditions. The following definitions shall have the same meaning regardless of whether they appear in\n singular or in plural.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-1-definitions\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Definitions<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>Definitions<\/strong><\/p>\n <pre><strong>For the purposes of these Terms and Conditions:<\/strong><\/pre>\n <pre><strong>\"Affiliate\"<\/strong> 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.<\/pre>\n <pre><strong>\"Company Louis Thai International Group Sdn. Bhd.\"<\/strong> A company incorporated in Malaysia with registration number 202101033331 (1433631-V), referred to as "the Company", "We", "Us", or "Our" in this Agreement.<\/pre>\n <pre><strong>\"Country\"<\/strong> Malaysia.<\/pre>\n <pre><strong>\"Data\"<\/strong> 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).<\/pre>\n <pre><strong>\"Device\"<\/strong> Any electronic device capable of accessing the Service, including but not limited to a computer, cell-phone, or digital tablet.<\/pre>\n <pre><strong>\"FOC\"<\/strong> 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.<\/pre>\n <pre><strong>\"Group\"<\/strong> 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"<\/pre>\n <pre>re<strong>\"International\"<\/strong> Any country or jurisdiction outside Malaysia.<\/pre>\n <pre><strong>\"Platform\"<\/strong> The Company's online infrastructure, including the Website (https:\/\/louisthai.com) and related digital channels, used to offer and deliver Services and Products.<\/pre>\n <pre><strong>\"Product Tangible<\/strong> Goods offered by the Company, including but not limited to talismans, ritual items, and wholesale goods under MSIC 46909.<\/pre>\n <pre><strong>\"Service\"<\/strong> 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.<\/pre>\n <pre><strong>\"Terms and Conditions\"<\/strong> This agreement, referred to as "Terms" or "Agreement", governing the relationship between You and the Company regarding the use of the Service and Platform.<\/pre>\n <pre><strong>\"Third-party\"<\/strong> 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.<\/pre>\n <pre><strong>\"User\"<\/strong> 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.<\/pre>\n <pre><strong>\"Warranty\"<\/strong> 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 <\/pre>\n <pre><strong>\"Website\"<\/strong> The Company's official website, accessible at https:\/\/louisthai.com.<\/pre>\n <pre><strong>\"Witthi\"<\/strong> 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).<\/pre>\n <pre><strong>\"You\"<\/strong> 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.<\/pre>\n <pre><strong>\"You, Your, Yourself\"<\/strong> 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. <\/pre>\n <pre><strong>\"Zero Tolerance Policy\"<\/strong> The Company's policy prohibiting specific behaviors, as outlined in Clause 30, to ensure a safe and respectful environment for all Users and staff.<\/pre>\n <pre>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.<\/pre>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n <\/section>\n\n <\/section>\n\n <section class=\"section\" id=\"article-2\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 2<\/h2>\n <div class=\"section-sub\">COMMENCEMENT<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>COMMENCEMENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-2-1\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">CAPTIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>The title or caption of each Article of these Terms & Conditions Section is for understanding purpose\n and is not to be used for interpretation of the text.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-2-2\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">ACKNOWLEDGMENT<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>These are the Terms and Conditions governing the use of this Service and the agreement that operates\n between You and the Company. These Terms and Conditions set out the rights and obligations of all users\n regarding the use of the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>Your access to and use of the Service is conditioned on Your acceptance of and compliance with these\n Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use\n the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree\n with any part of these Terms and Conditions, then You may not access the Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>You represent that you are over the age of eighteen (18). The Company does not permit those under 18 to\n use the Service unless provision and guidance by parental.<\/p>\n <div class=\"gap\"><\/div>\n <p>Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the\n Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection,\n use and disclosure of Your personal information when You use the Application or the Website and tells You\n about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before\n using Our Service.<\/p>\n <div class=\"gap\"><\/div>\n <p>Welcome to LOUISTHAI.COM, (hereinafter referred to as the "Website", "We,"\n "Us," or "Our"), owned and operated by Louis Thai International Group (Malaysia) Sdn\n Bhd (hereinafter referred to as "the Company") (Company No. 202101033331(1433631-V) which is\n incorporated in Kuala Lumpur, Malaysia with its registered office located at Tower 1 Grand Subang SS13,\n Jalan SS13\/4, Subang Jaya 47500, Selangor D.E. Malaysia. The Website is offered to You conditioned on Your\n acceptance without modification of the Terms, Conditions, and notices contained herein (the\n "Terms").<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-2-3\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">ENTIRE AGREEMENT<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>These Terms and Conditions constitute the entire agreement between You (the User) and the Company (Louis\n Thai International Group Sdn Bhd) regarding the use of the Services, Products, and Platform, and supersede\n all prior or contemporaneous understandings, representations, agreements, or communications, whether oral,\n written, or electronic. No modifications or amendments shall be effective unless in writing and signed by\n both parties or expressly accepted via the Platform in accordance with Clause 16 (Amendment). This clause\n is governed by the Contracts Act 1950.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-3\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 3<\/h2>\n <div class=\"section-sub\">CONDITIONS PRECEDENT<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>CONDITIONS PRECEDENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-1-1\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 1 | INTRODUCTION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>1.1 Our Website is a Platform (hereinafter referred to as "Platform") where for the sales and\n services offered by the Company. The Users of the Website shall be referred to as "You,"\n "Your," or "Users."<\/p>\n <div class=\"gap\"><\/div>\n <p>1.2 By clicking on the "Accept" button at the end of the Agreement acceptance form, Users agree\n to be bound by the Terms and Conditions of this Agreement. Please read this entire Agreement carefully\n before accepting its Terms. When You undertake any activity on the Website, You agree to accept these\n Terms and Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p>1.3 In using this Website, You are deemed to have read and agreed to the following Terms and Conditions\n set forth herein. Any incidental documents and links mentioned shall be accepted jointly with these Terms.\n You agree to use the Website only in strict interpretation and acceptance of these Terms, and any actions\n or commitments made without regard to these Terms shall be at Your own risk. These Terms and Conditions\n form part of the Agreement between the Users and Us. By accessing this Website, and\/or undertaking to\n perform a Service provided by Us indicates Your understanding, agreement to and acceptance of the\n disclaimer notice, and the full Terms and Conditions contained herein.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-4\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 4<\/h2>\n <div class=\"section-sub\">GENERAL OF ELIGIBILITY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>GENERAL OF ELIGIBILITY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-2-1\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 2 | ELIGIBILITY OF THE USER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>1.1 You may use the Service only if You are at least eighteen (18) years of age and can form a binding\n contract with Us, and only in compliance with this Agreement and all applicable local, state, national,\n and international laws, rules and regulations.<\/p>\n <div class=\"gap\"><\/div>\n <p>1.2 Unauthorized Users are strictly prohibited from accessing or attempting to access, directly or\n indirectly, the Platform. Any such unauthorized use is strictly forbidden and shall constitute a violation\n of applicable state and local laws.<\/p>\n <div class=\"gap\"><\/div>\n <p>1.3 Our Website may, in its sole discretion, refuse to offer access to or use of the Platform to any\n person or entity, and change its eligibility criteria at any time. This provision is void where prohibited\n by law and the right to access the Website is revoked in such jurisdictions.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-5\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 5<\/h2>\n <div class=\"section-sub\">OFFER AND ACCEPTANCE<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>OFFER AND ACCEPTANCE<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-5-3\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 3 | RELIGIOUS AND LEGAL COMPLIANCE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>3.1 You represent and warrant that Your use of the Services or Products does not conflict with Your\n personal religious beliefs, obligations, or any applicable laws, including but not limited to Syariah laws\n if You are a Muslim under Malaysian jurisdiction.<\/p>\n <div class=\"gap\"><\/div>\n <p>3.2 The Company provides Services rooted in Thai spiritual traditions, which may include fortune-telling,\n rituals, or blessings (e.g., under MSIC 96092). These are offered for entertainment, personal guidance, or\n cultural purposes only, with no guaranteed outcomes (cross-reference Clause 3.4). The Company does not\n promote or encourage deviation from any religion, including Islam.<\/p>\n <div class=\"gap\"><\/div>\n <p>3.3 If You are a Muslim (as defined under Malaysian law), You acknowledge that certain Services may be\n incompatible with Islamic teachings (e.g., prohibitions on sorcery or non-Islamic rituals under the\n Syariah Criminal Offences Act or state enactments). By proceeding, You confirm that Your participation is\n voluntary, informed, and at Your own risk.<\/p>\n <div class=\"gap\"><\/div>\n <p>3.4 You agree to indemnify and hold harmless the Company, its affiliates, directors, and staff from any\n claims, liabilities, or consequences arising from Your use of the Services in violation of Your religious\n or legal obligations, including any Syariah proceedings.<\/p>\n <div class=\"gap\"><\/div>\n <p>3.5 The Company reserves the right to refuse or terminate Services if it reasonably believes they may\n conflict with applicable laws or Your declared religious affiliations, without liability (cross-reference\n Clause 2.3).<\/p>\n <div class=\"gap\"><\/div>\n <p>3.6 This clause is governed by Malaysian law, including the Federal Constitution (Article 11), Consumer\n Protection Act 1999, and relevant Syariah enactments, and disputes shall be resolved under Clause 45\n (Dispute Resolution).<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-5-4\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 4 | SERVICES OFFERED BY THE PLATFORM<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>4.1 All the payments made and monies paid are final and conclusive, and the whole sum is due upon\n purchase. If You have failed to complete the full or partial payment as specified, it shall be assumed\n that You have not made the payment in full, and the Company shall not deliver the goods or services to\n You.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.2 All products and services offered have limited quantity and the Company shall not provide any refund\n for any of the goods and services provided.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.3 Any "all-consultation" services shall only be charged on a one-time off basis, with a\n complimentary follow-up consultation within thirty (30) days from the date of purchase.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.4 The Company does not guarantee that any of the goods and\/or services provided would create the same\n mystic abilities as envisioned by You. The Company will carry out its' best abilities in the\n blessings and rituals, and ensuring that the procedures are properly and ethically executed. In an others\n said; LOUIS THAI does not guarantee specific outcomes or results from ritual or fortune-telling services,\n as such outcomes are subjective and depend on individual circumstances. The Company will perform all\n Services with reasonable care and skill.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.5 In the event You are dissatisfied with the blessing or ritual services which was carried out, You\n shall notify us in writing by way of WhatsApp, email, Facebook Messenger, or via our official website, no\n later than twenty one (21) days from the date of the ritual service. All complaints made shall be\n reasonably justified.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.6 The Company shall review the complaint made pursuant to Article 5, Section 3.5. above, and in the\n event the Company finds the reasons of the complaint is reasonable, the Company may exercise its'\n discretion to schedule an additional one-time ritual or blessing at the Company's expense. However,\n this is limited to certain ritual only and the decision of the Company is final and conclusive.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.7 You have the right to either accept, or decline the ritual product or blessings in Article 5, Section\n 3.6. above.<\/p>\n <div class=\"gap\"><\/div>\n <p>4.8 In the event you are dissatisfied with the products purchased from the Company, You shall notify us\n in writing by way of WhatsApp, email, Facebook Messenger, or via our official website, no later than\n twenty-four (24) hours from the time of purchase. The decision of the Company to review and provide a\n refund or replacement is final and conclusive, and compensate is final and conclusive. <\/p>\n <div class=\"gap\"><\/div>\n <p>4.9 In the event You receive damaged goods due to the Company's negligence in assessing the\n condition of the goods before handing over to You, the Company shall provide a replacement at the\n Company's expense.<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-5-5\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 5 | YOU AGREE AND CONFIRM<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>5.1 That You will use the Services provided by Our Platform, its Affiliates and contracted Companies, for\n lawful purposes only and comply with all applicable laws and regulations while using the Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.2 That You will provide authentic and true information in all instances where such information is\n requested of You. We reserve the right to confirm and validate the information and other details provided\n by You at any point in time. If upon confirmation Your details are found not to be true (wholly or\n partly), We have the right in Our sole discretion to reject the registration and debar You from using the\n Services of Our Platform and\/or other affiliated websites without prior intimation whatsoever.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.3 That You are accessing the Services available on this Website and transacting at Your sole risk and\n are using Your best and prudent judgment before entering into any dealings through this Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.4 It is possible that the other Users (including unauthorized\/unregistered users or\n "hackers") may post or transmit offensive or obscene materials on the Platform and that You may\n be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain\n personal information about You due to Your use of the Platform, and that the recipient may use such\n information to harass or injure You. We do not approve of such unauthorized uses, but by using the\n Platform, You acknowledge and agree that We are not responsible for the use of any personal information\n that You publicly disclose or share with others on the Platform. Please carefully select the type of\n information that You publicly disclose or share with others on the Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.5 You agree to not post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene,\n vulgar, pornographic, profane or indecent information or description\/image\/text\/graphic of any kind,\n including without limitation any transmissions constituting or encouraging conduct that would constitute a\n criminal offense, give rise to civil liability or otherwise violate any local, state, national, or\n international law.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.6 You agree to not post or transmit any information, software, or other material which violates or\n infringes the rights of others, including material which is an invasion of privacy or publicity rights or\n which is protected by copyright, trademark or other proprietary right, or derivative works with respect\n thereto, without first obtaining permission from the owner or right holder.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.7 You agree to not alter, damage or delete any Content or other communications that are not Your own\n Content or to otherwise interfere with the ability of others to access Our Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.8 You agree to indemnify and keep indemnified the Company from all claims\/losses (including\n advocates' fees for defending\/prosecuting any case) that may arise against the Company due to\n acts\/omission on the part of the User.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.9 All payments shall be made to the bank account specified in the Company's invoice or payment\n instructions provided at the time of purchase.<\/p>\n <div class=\"gap\"><\/div>\n <p>Bank Name:\n <pre>HONG LEONG BANK BERHAD<\/pre>\n <\/p>\n <p>Account Holder Name:\n <pre>LOUIS THAI INTERNATIONAL GROUP SDN BHD<\/pre>\n <\/p>\n <p>Account No.:\n <pre>045 0033 1725<\/pre>\n <\/p>\n <p>Swift Code:\n <pre>HLBBMYKLXXX<\/pre>\n <\/p>\n <p>City:\n <pre>KUALA LUMPUR<\/pre>\n <\/p>\n <p>Country:\n <pre>MALAYSIA<\/pre>\n <\/p>\n <div class=\"gap\"><\/div>\n <p>5.10 The User shall provide the payment receipt or transaction proof to the Company. If the payment is\n not received within 3 working days, the Order will be cancelled without further notice.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.11 An additional charge of RM 200.00 shall be applicable for materials required for product such as;\n Witthi 9 Chan, Witthi 9 Hong and Witthi 3 Liam. The fees are only applicable in the Malaysian branch, if\n the User is unable to prepare for the materials.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.12 The free products and\/or services shall only be applicable to the User solely. No transfer of\n ownership or benefits of any kind. Further discounts shall subject to the Company's decision.<\/p>\n <div class=\"gap\"><\/div>\n <p>5.13 For buyers outside of Malaysia, all prices quoted are subject to foreign exchange fees and the\n delivery of products and services shall depend on the market price. <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>5.14 Instalment Plan<\/strong><\/p>\n <p>a. The Company provides instalment plan for orders exceeding RM 5,000.00<\/p>\n <p>b. The full payments shall be made within 60 days from the date of the invoice issued to waive the\n interest charge.<\/p>\n <p>c. All late payments will be subjected to a penalty of 1.0% - 1.5% per month of the total price. (Ref:\n Article 12 Default and Enforcement Of Security Interest)<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>5.15 Price Fixation Guarantee<\/strong><\/p>\n <p><strong>a. Commitment<\/strong><\/p>\n <p>The Company guarantees that the listed prices for Products (e.g., talismans under MSIC 46909) and\n Services (e.g., fortune-telling, rituals under MSIC 96092) shall remain unchanged for a fixed term of\n 2025-2027, subject to the exceptions outlined below. This guarantee is provided to ensure price stability\n and transparency for You.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>b. Scope<\/strong><\/p>\n <p>(i) This guarantee covers all retail and service prices published on the Company's official Website\n (https:\/\/louisthai.com), invoices, and approved marketing materials.<\/p>\n <p>(ii) Prices are fixed in Malaysian Ringgit (RM) and apply to domestic transactions unless otherwise\n specified for international users (Clause 4.13).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>c. Exceptions<\/strong><\/p>\n <p>The guarantee does not apply in the following circumstances:<\/p>\n <p>(i) Regulatory or statutory changes, including but not limited to new taxes, tariffs, or amendments to\n Malaysian laws (e.g., under the Consumer Protection Act 1999).<\/p>\n <p>(ii) Force majeure events, as defined in Clause 25 (e.g., natural disasters, government restrictions, or\n supply chain disruptions).<\/p>\n <p>(iii) Extraordinary cost escalations beyond 25% of raw material prices, verified by independent\n third-party documentation.<\/p>\n <p><strong>d. Client Rights<\/strong><\/p>\n <p>In the event of a breach of this guarantee:<\/p>\n <p>(i) You may request written justification from the Company via email (support@louisthai.com) or WhatsApp,\n which We will provide within 7 working days.<\/p>\n <p>(ii) You may cancel Your order without penalty and receive a full refund, subject to Clause 34 (Refunds).\n <\/p>\n <p>(iii) You may seek alternative solutions mutually agreed upon, such as price adjustments or equivalent\n Services\/Products at the original price.<\/p>\n <p>(iv) All requests must be submitted within 21 days of the price change notification, providing proof of\n the original quoted price.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>e. Legal Force<\/strong><\/p>\n <p>This clause shall be binding and enforceable under Malaysian law, specifically the Consumer Protection\n Act 1999 (ensuring fair trading practices) and the Contracts Act 1950 (governing contractual agreements).\n Any disputes arising from this guarantee shall be resolved under Clause 45 (Dispute Resolution), including\n mediation and arbitration.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>f. Limitation of Liability<\/strong><\/p>\n <p>The Company shall not be liable for indirect losses (e.g., loss of anticipated savings) arising from\n exceptions to this guarantee, except as required by law (cross-reference Clause 17).<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-6\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 6<\/h2>\n <div class=\"section-sub\">THE WARRANTIES<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>THE WARRANTIES<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-6-6\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 6 | WARRANTIES, REPRESENTATION AND UNDERTAKINGS OF USER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>6.1 The User warrants and represents that;<\/strong><\/p>\n <p>(a) all obligations narrated under this Agreement are legal, valid, binding and enforceable in law\n against the User.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>6.2 The User agrees that;<\/strong>\n <p>(a) there are no proceedings pending against the User, which may have a material adverse effect on its\n ability to perform and meet the obligations under this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The User agrees that it shall, at all times, ensure compliance with all the requirements applicable\n to its business and for the purposes of this Agreement including but not limited to intellectual property\n rights, value-added tax, excise and import duties, etc.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) It further declares and confirms that it has paid and shall continue to discharge all its obligations\n towards statutory authorities.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>6.3 The User agrees that;<\/p><\/strong><\/p>\n <p>(a) it has adequate rights under relevant laws including but not limited to various intellectual property\n legislation(s) to enter into this Agreement with the Company and perform the obligations contained herein\n and that it has not violated\/infringed any intellectual property rights of any third party.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>6.4 The User agrees that;<\/strong><\/p>\n <p>(a) appropriate disclaimers and Terms of use on the Company's Website shall be placed by the\n Company.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>6.5 For Fortune Services;<\/strong><\/p>\n <p>(a) You may purchase a special warranty plan by paying an additional RM 25.00 for thirty (30) days or\/and\n RM 50.00 for one hundred and eighty (180) days from the date of service.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) This warranty allows one (1) follow-up consultation to address questions related to the original\n service, subject to availability and booking.<\/p>\n <div class=\"gap\"><\/div>\n <p>6.6 The plan is <strong>not entitled to;<\/strong><\/p>\n <p>(a) any changes in name or\/and;<\/p>\n <p> (i) refund and is applicable for thirty (30) days and;<\/p>\n <p> (ii) one hundred and eighty (180) days respectively, from the date of the service carried out.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Special warranty enables the User to <strong>enquire on<\/strong> questions forgotten during the\n consultation service, any nothing more.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-6-7\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 7 | PRODUCT CARE, DAMAGE, AND REPLACEMENT LIMITATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>7.1 Nature of Tangible Spiritual Products<\/strong><\/p>\n <p>(a) The User acknowledges that all tangible spiritual products offered by the Company, including but not\n limited to amulets, talismans, ritual artifacts, blessed items, and related spiritual products\n ("Tangible Products"), are inherently delicate in nature and may be subject to physical damage,\n wear, or deterioration arising from personal handling, environmental exposure, accidental impact, or\n improper use.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.2 Limitation of Company Responsibility<\/strong><\/p>\n <p>(a) The Company shall not be liable for, nor obliged to replace, refund, repair, or reissue any Tangible\n Product that is damaged, broken, lost, altered, or rendered unusable after delivery, where such condition\n arises from personal use, mishandling, accidental force, negligence, third-party interference,\n environmental factors, or any cause beyond the Company's reasonable control.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.3 Exclusion of Implied Warranty<\/strong><\/p>\n <p>(a) Except as expressly provided under Article 5, no warranty, whether express or implied, including but\n not limited to any implied warranty of durability, longevity, merchantability, fitness for purpose, or\n perpetual physical or spiritual integrity, shall apply to Tangible Products after delivery.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.4 Energetic and Spiritual Disclaimer<\/strong><\/p>\n <p>(a) The User expressly acknowledges that any perceived spiritual, symbolic, metaphysical, or energetic\n attributes associated with Tangible Products are inherently subjective and personal in nature.\n <p>(b) The Company makes no representation, warranty, or guarantee that such attributes shall remain\n unchanged following usage, damage, alteration, handling by third parties, or the passage of time.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.5 Goodwill Facilitation (Non-Obligatory)<\/strong><\/p>\n <p>(a) Notwithstanding the foregoing, the Company may, at its sole and absolute discretion, consider\n facilitating the re-creation, re-issuance, or re-blessing of a Tangible Product as a gesture of goodwill.\n <\/p>\n <p>(b) Any such facilitation shall be subject to material availability, ritual requirements, applicable\n fees, and internal assessment, and shall not constitute a replacement, refund, extension of warranty, or\n continuation of the original transaction.<\/p>\n\n <div class=\"gap\"><\/div>\n <p><strong>7.6 No Precedent and Non-Waiver<\/strong><\/p>\n <p>(a) Any goodwill facilitation granted under this Clause shall be made strictly on a case-by-case basis\n and shall not establish precedent, expectation, or entitlement for future claims.\n <p>(b) Failure by the Company to enforce any provision of this Agreement shall not be construed as a waiver\n of its rights.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-6-8\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 8 | NO GUARANTEE OF OUTCOMES & NON-RELIANCE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>8.1 No Guarantee of Outcomes<\/strong><\/p>\n <p>(a) The User expressly acknowledges that all services, consultations, spiritual interpretations, ritual\n facilitation, and related products provided by the Company are offered on an interpretative, symbolic, and\n advisory basis only.<\/p>\n <p>(b) The Company does not guarantee, warrant, or represent any specific outcome, result, success,\n accuracy, effectiveness, or consequence arising from the use of its services or products.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>8.2 No Reliance as Sole Basis for Decision-Making<\/strong><\/p>\n <p>(a) The User agrees that any information, insight, opinion, recommendation, or interpretation provided by\n the Company shall not be relied upon as the sole, primary, or determinative basis for making personal,\n financial, medical, legal, business, investment, relationship, or other significant life decisions.<\/p>\n <p>(b) The User is strongly encouraged to seek independent professional advice where appropriate.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>8.3 Personal Responsibility<\/strong><\/p>\n <p>(a) The User remains fully and solely responsible for all decisions, actions, and consequences arising\n from their reliance on, interpretation of, or use of the Company\u2019s services or products.<\/p>\n <p>(b) The Company expressly disclaims liability for outcomes arising from the User\u2019s decisions, to the\n maximum extent permitted by law.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>8.4 No Misrepresentation<\/strong><\/p>\n <p>(a) The User acknowledges that the Company does not present itself as providing guaranteed predictions,\n fixed outcomes, or absolute determinations of future events.<\/p>\n <p>(b) Differences between the User\u2019s expectations, beliefs, interpretations, or experiences and any\n perceived outcomes shall not, of themselves, constitute misrepresentation, deception, or breach by the\n Company.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-6-9\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 9 | SERVICE SCOPE & LIMITATION OF INTERPRETATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>9.1 Defined Scope of Services<\/strong><\/p>\n <p>(a) The Company provides interpretative and advisory services which may include consultations, analyses,\n spiritual guidance, ritual facilitation, and informational content.<\/p>\n <p>(b) The scope of any engagement shall be limited strictly to what is expressly stated at the time of\n purchase or engagement.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>9.2 Limitation of Interpretation<\/strong><\/p>\n <p>(a) All interpretations, assessments, and recommendations are inherently contextual, time-sensitive, and\n dependent on the information provided by the User.<\/p>\n <p>(b) The User acknowledges that interpretations may vary as circumstances evolve, and that no\n interpretation is exhaustive or definitive.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>9.3 No Regulated Professional Advice<\/strong><\/p>\n <p>(a) The Company\u2019s services do not constitute legal, medical, psychiatric, financial, investment,\n insurance, or other regulated professional advice.<\/p>\n <p>(b) The User should obtain independent professional advice from qualified practitioners where\n appropriate.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>9.4 User Cooperation and Information Quality<\/strong><\/p>\n <p>(a) The User is responsible for providing complete, accurate, and timely information.<\/p>\n <p>(b) The Company shall not be responsible for misunderstandings, dissatisfaction, or outcomes arising from\n incomplete, inaccurate, or withheld information.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-6-10\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 10 | SPIRITUAL SUBJECTIVITY & INDIVIDUAL VARIATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>10.1 Subjective Nature<\/strong><\/p>\n <p>(a) The User acknowledges that spiritual, metaphysical, symbolic, and energetic experiences are\n inherently subjective.<\/p>\n <p>(b) Individual perceptions, beliefs, sensitivity, culture, and personal interpretation may materially\n influence how the User experiences or evaluates any service or product.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>10.2 Individual Variation<\/strong><\/p>\n <p>(a) The Company does not warrant that two individuals will experience the same effects, perceptions, or\n outcomes from identical services or products.<\/p>\n <p>(b) Differences in personal circumstances, mindset, and external factors may lead to differing\n experiences.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>10.3 No Dispute Based Solely on Subjective Experience<\/strong><\/p>\n <p>(a) To the maximum extent permitted by law, the User agrees that subjective dissatisfaction, personal\n feelings, or spiritual perceptions alone shall not constitute evidence of breach, misrepresentation, or\n entitlement to replacement, refund, compensation, or other remedies against the Company.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-7\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 7<\/h2>\n <div class=\"section-sub\">LICENCE RESTRICTIONS<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>LICENCE RESTRICTIONS<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-7-11\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 11 | INTELLECTUAL PROPERTY RIGHTS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>11.1 The User expressly authorizes the Company to use its trademarks\/copyrights\/designs\/logos and other\n intellectual property owned and\/or licensed by it for the purpose of reproduction on the Platform and at\n such other places as the Company may deem necessary. It is expressly agreed and clarified that, except as\n specified agreed in this Agreement, each Party shall retain all right, title and interest in their\n respective trademarks and logos and that nothing contained in this Agreement, nor the use of the\n trademarks\/logos in the publicity, advertising, promotional or other material in relation to the Services\n shall be construed as giving to any Party any right, title or interest of any nature whatsoever to any of\n the other Party's trademarks and\/or logos.<\/p>\n <div class=\"gap\"><\/div>\n <p>11.2 The Company's Website and other Platforms, and the information and materials that it contains,\n are the property of the Company and its licensors, and are protected from unauthorized copying and\n dissemination by copyright law, trademark law, international conventions, and other intellectual property\n laws. All the Company's product names and logos are trademarks or registered trademarks. Nothing\n contained on the Company's Website should be interpreted as granting, by implication, estoppel, or\n otherwise, any license or right to use the Company's Website or any materials displayed on the\n Company's Website, through the use of framing or otherwise, except: <\/p>\n <div class=\"gap\"><\/div>\n <p>(a) as expressly permitted by these Terms and Conditions; or <\/p>\n <p>(b) with the prior written consent of the Company.<\/p>\n <p>(c) The User shall not attempt to override or circumvent any of the usage rules or restrictions on the\n Website.<\/pre>\n <div class=\"gap\"><\/div>\n <p>11.3 Except as otherwise expressly granted to You in writing, We do not grant You any other express or\n implied right or license to the Services, Our Content or Our intellectual property rights.<\/p>\n <div class=\"gap\"><\/div>\n <p>11.4 Proprietary Rights. Subject to the limited rights expressly granted in this Agreement, the Company\n reserves all rights, title and interest in and to the Service, including all related intellectual property\n rights. No rights are granted to the User in this Agreement other than as expressly outlined in this\n Agreement.<\/p>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-7-12\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 12 | DATA<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>12.1 "Data" means any identifiable information about You or Your affiliates generated or\n collected by the Company, including but not limited to Your name, email addresses, phone numbers, and\n Service preferences. The Company will process all Data in compliance with the Personal Data Protection Act\n 2010 (PDPA).<\/p>\n <div class=\"gap\"><\/div>\n <p>12.2 The User represents, warrants, and covenants that it will not resell or otherwise disclose any Data\n to any third party, in whole or in part, for any purpose whatsoever.<\/p>\n <div class=\"gap\"><\/div>\n <p>12.3 The User acknowledges that the Services may contain information which is designated as confidential\n by the Company and that You shall not disclose such information without the Company's prior written\n consent.<\/p>\n <div class=\"gap\"><\/div>\n <p>12.4 By submitting Content (e.g., reviews or feedback), You grant Us a nonexclusive, royalty-free right\n to use such Content solely for providing and promoting Our Services, subject to Our Privacy Policy.<\/p>\n <div class=\"gap\"><\/div>\n <p>12.5 We may obtain business addresses, phone numbers, and other contact information from third- party\n vendors who obtain their Data from public sources. We have no control over, and make no representation or\n endorsement regarding the accuracy, relevancy, copyright compliance, legality, completeness, timeliness or\n quality of any products, services, advertisements and other Content appearing in or linked to the\n Services.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-7-13\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 13 | VOICE RECORDING OF PHONE COMMUNICATIONS FOR LEARNING PURPOSES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>13.1 Purpose of Recording<\/strong><\/p>\n <p>LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") may record phone conversations between Our staff and customers for the purpose of\n training, quality assurance, and improving Our Services ("Learning Purposes"). This clause\n outlines the terms under which such recordings are conducted.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.2 Consent to Recording<\/strong><\/p>\n <p>(a) By engaging in phone communications with LOUIS THAI staff, You acknowledge and consent to the\n recording of the conversation for Learning Purposes. Prior to the start of any recording, We will notify\n You verbally (e.g., through an automated message or a statement by Our staff) that the call may be\n recorded. <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) If You do not wish for the call to be recorded, You may inform Our staff, and We will disable the\n recording for that specific call or offer alternative communication methods (e.g., email or in-person\n consultation).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.3 Use of Recordings<\/strong><\/p>\n <p>(a) Voice recordings will be used solely for Learning Purposes, which include staff training, evaluating\n service quality, and enhancing customer experience.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Recordings will not be used for any other purpose unless We obtain Your additional consent or as\n required by law.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Recordings will not be shared with third parties except as necessary for Learning Purposes (e.g.,\n with internal training teams) or as required by law.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.4 Data Retention, Data Storage and Data Security<\/strong><\/p>\n <p>(a) All recordings are stored securely using 256-bit encryption in compliance with the Personal Data\n Protection Act 2010 (PDPA). <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Recordings are retained for a maximum of six (6) months and automatically deleted thereafter, unless\n required by law or for ongoing dispute resolution.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) All voice recordings will be stored securely in compliance with the Personal Data Protection Act 2010\n (PDPA) to prevent unauthorized access, disclosure, or loss.<\/p>\n <div class=\"gap\"><\/div>\n <p>(d) Recordings will be retained only for as long as necessary to fulfill the Learning Purposes, after\n which they will be securely deleted. Typically, recordings will be retained for a maximum period of 6\n months, unless a longer retention period is required by law or for specific training needs.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.5 Revocation of Consent<\/strong><\/p>\n <p>(a) You may revoke Your consent to call recordings at any time by submitting a written request to\n support@louisthai.com. <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Upon receipt, the Company will cease recording future calls and delete any existing recordings of\n You, subject to legal retention obligations.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.6 Your Rights<\/strong><\/p>\n <p>Under the PDPA, You have the right to:<\/p>\n <p>(a) Request access to any recordings of Your phone conversations held by LOUIS THAI.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Request correction or deletion of the recordings if they contain inaccuracies.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Withdraw Your consent for future recordings by notifying Us in writing (though this will not affect\n recordings already made with Your prior consent). To exercise these rights, please contact Us.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.7 Transparency and Notification<\/strong><\/p>\n <p>(a) We will notify You at the beginning of each phone call if the conversation may be recorded, giving\n You the opportunity to opt out.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) If You choose to opt out, You may still proceed with the call without being recorded, or You may\n select an alternative communication method offered by LOUIS THAI.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.8 Limitation of Liability<\/strong><\/p>\n <p>(a) LOUIS THAI shall not be liable for any damages arising from the lawful recording, storage, or use of\n phone conversations in accordance with this clause, except in cases of gross negligence or willful\n misconduct.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>13.9 Compliance with Law<\/strong><\/p>\n <p>(a) All voice recordings will be conducted in compliance with the Personal Data Protection Act 2010\n (PDPA) and other applicable laws in Malaysia.<\/p>\n <p>(b) In the event of a conflict between this clause and any legal requirement, the latter shall prevail,\n and LOUIS THAI will adjust its practices accordingly.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-7-14\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 14 | LIMITATION ON USE OF SERVICES FOR SPECIFIC PURPOSES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>14.1 Purpose<\/strong><\/p>\n <p>LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") provides fortune-telling, ritual, and related services for personal guidance,\n self-reflection, and spiritual purposes only. This clause outlines restrictions on how You may use Our\n Services to ensure ethical and lawful engagement.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>14.2 Prohibited Uses<\/strong><\/p>\n <p>You <strong>agree<\/strong> not to use Our Services, including but not limited to fortune-telling\n consultations, rituals, or products, for:<\/p>\n <p>(a) Unlawful purposes, including but not limited to fraud, coercion, or activities prohibited under\n Malaysian law.<\/p>\n <p>(b) Harmful or unethical intentions, such as attempting to manipulate or harm others, whether physically,\n emotionally, or financially.<\/p>\n <p>(c) Commercial exploitation without Our prior written consent, such as reselling Our Services or using\n Our advice for profit-driven schemes.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>14.3 Consequences of Misuse<\/strong><\/p>\n <p>(a) If We determine, in Our sole discretion, that You have misused Our Services, We reserve the right to\n terminate Your access to Our Services immediately without refund and ban You from future engagement.<\/p>\n <p>(b) You shall indemnify LOUIS THAI against any claims, losses, or damages arising from Your misuse of Our\n Services.<\/p>\n <p>(c) We may report any illegal activities to the relevant authorities in accordance with Malaysian law.\n <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>14.4 Acknowledgement<\/strong><\/p>\n <p>By engaging with Our Services, You acknowledge that they are provided for personal and lawful purposes\n only and that LOUIS THAI does not endorse or support any misuse as described in this clause.<\/p>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-8\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 8<\/h2>\n <div class=\"section-sub\">LIMITATIONS OF LIABILITY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>LIMITATIONS OF LIABILITY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-8-15\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 15 | RELATIONSHIP<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>15.1 Nothing in this Agreement will be construed as creating a relationship of partnership, joint\n venture, agency, or employment between the Parties. The Company shall not be responsible for the acts or\n omissions of the User, and the User shall not represent the Company, neither does it have any power or\n authority to speak for, represent, bind, or assume any obligation on behalf of the Company.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-8-16\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 16 | INDEMNITY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>16.1 The User indemnifies and shall hold indemnified the Company, its partners, officers, employees,\n representatives, and agents from and against all losses, damages, claims, suits, legal proceedings and\n otherwise howsoever arising from or in connection with any claim, including but not limited to claims for\n any infringement of any intellectual property rights or any other rights of any third party or of law,\n concerning quality, quantity and any claim in relation to the User's products, the breach of any of\n the User's warranties, representations or undertakings or in relation to the non-fulfillment of any\n of its obligations under this Agreement or Terms of use of Company's Website or any obligations\n arising out of the User infringing any applicable laws, regulations including but not limited to\n intellectual property rights, or taxes, etc. This clause shall survive the termination or expiration of\n this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-8-17\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 17 | EXPRESS RELEASE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>17.1 You expressly hereby release and waive all claims against the Company, and its subsidiaries,\n affiliates, officers, agents, licensors, co-branders or other partners, and employees from any and all\n liability for claims, damages (actual and\/or consequential), costs and expenses (including litigation\n costs and attorneys' fees) of every kind and nature, arising from or in any way related to Your use\n of the Company's Website.<\/p>\n <div class=\"gap\"><\/div>\n <p>17.2 You understand that any fact relating to any matter covered by this release may be found to be other\n than now believed to be true and You accept and assume the risk of such possible differences in fact. In\n addition, You expressly waive and relinquish any and all rights and benefits which You may have under any\n other state or federal statute or common law principle of similar effect, to the fullest extent permitted\n by law.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-8-18\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 18 | LIMITATION OF LIABILITY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>18.1 It is expressly agreed by the User that the Company shall under no circumstances be liable or\n responsible for any loss, injury or damage to the User or any other Party whomsoever, arising on account\n of any transaction under this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p>18.2 The User agrees and acknowledges that it shall be solely liable for any claims, damages, or\n allegations arising out of the Services through the Platform and shall hold the Company harmless and\n indemnified against all such claims and damages. <\/p>\n <div class=\"gap\"><\/div>\n <p>18.3 Further, the Company shall not be liable for any claims or damages arising out of any negligence,\n misconduct, or misrepresentation by the User or any of its representatives.<\/p>\n <div class=\"gap\"><\/div>\n <p>18.4 The Company under no circumstances shall be liable to the User for loss and\/or anticipated loss of\n profits, or for any direct or indirect, incidental, consequential, special or exemplary damages arising\n from the subject matter of this Agreement, regardless of the type of claim and even if the User has been\n advised of the possibility of such damages, such as, but not limited to loss of revenue or anticipated\n profits or loss of business, unless such loss or damages is proven by the User to have been deliberately\n caused by the Company.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-9\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 9<\/h2>\n <div class=\"section-sub\">DISPUTE SETTLEMENT<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>DISPUTE SETTLEMENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-9-19\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 19 | TERMINATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>19.1 This Agreement may be terminated by the Company if the User commits a material breach of any\n representation, obligation, covenant, Warranty or term of this Agreement and the same is not cured within\n thirty (30) days after written notice given by the Company, if a petition for insolvency is filed against\n the User or if the User is in infringement of third-party rights, including intellectual property rights.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>19.2 This Agreement may be terminated without reason by either Party after serving upon the other a\n written notice of thirty (30) days. The Agreement shall stand terminated after expiry of such period.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-9-20\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 20 | EFFECTS OF TERMINATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>20.1 In the event of termination\/expiry of this Agreement, the Company shall remove and shall discontinue\n the Services provided to the User on its Platform with immediate effect.<\/p>\n <div class=\"gap\"><\/div>\n <p>20.2 The Company shall not be liable for any loss or damages (direct, indirect or inconsequential)\n incurred by the User by virtue of termination of this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p>20.3 During the period under notice, both the Parties shall be bound to perform their obligations\n incurred under this Agreement, and this sub-clause shall survive the termination of this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-9-21\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 21 | GOVERNING LAW AND DISPUTE RESOLUTION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>21.1 This Agreement shall be construed and enforced in accordance with the laws of Malaysia without\n regard to the Company or the Website of its conflict of law provisions or the User's state or country\n of residence.<\/p>\n <div class=\"gap\"><\/div>\n <p>21.2 The User submits to the exclusive jurisdiction of the courts of Malaysia for the enforcement of this\n Agreement or any arbitration award or decision arising from this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p>21.3 If there is a dispute between the User and other Users, the User understands and agrees that the\n Company is under no obligation with respect thereto, and the User, to the fullest extent permitted by law.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>21.4 hereby releases the Company and its affiliates, and each of their respective officers, directors,\n employees, service providers, affiliates, agents, and successors from, and agrees to indemnify each of the\n foregoing for any losses incurred in connection with any and all claims, demands and damages (actual and\n consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and\n undisclosed, arising out of or in any way related to such disputes.<\/p>\n <div class=\"gap\"><\/div>\n <p>21.5 The User agrees that in case it is unable to resolve its disputes with other Users, then the Company\n has the right to remove the User from the Website and terminate this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-9-22\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 22 | DISCLAIMER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>22.1 To the fullest extent permitted by law, the Company and its affiliates, and each of its respective\n officers, directors, members, employees, and agents disclaim all warranties, express or implied, in\n connection with this Agreement, the Website and any use thereof, including, without limitation, the\n implied warranties of merchantability, fitness for a particular purpose and non- infringement. The Company\n makes no warranties or representations about the accuracy or completeness of the Website's Content or\n the Content of any other Websites linked to the Website, and assumes no liability or responsibility for\n any; <\/p>\n <p>(a) errors, mistakes, or inaccuracies of Content and materials;<\/p>\n <p>(b) personal injury or property damage, of any nature whatsoever, resulting from the User's access\n to and use of the Website; <\/p>\n <p>(c) any unauthorized access to or use of the Company's servers and\/or any and all personal\n information and\/or financial information stored therein; <\/p>\n <p>(d) any interruption or cessation of transmission to or from the Website,;<\/p>\n <p>(e) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the Website by\n any third party, and\/or;<\/p>\n <p>(f) any errors or omissions in any Content and materials or for any loss or damage of any kind incurred\n as a result of the use of any Content posted, transmitted, or otherwise made available via the Website.\n The Company does not guarantee the privacy, security or authenticity of any information so transmitted\n over or stored in any system connected to the internet or mobile devices.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-9-23\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 23 | SEVERABILITY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a\n court of competent jurisdiction, the remaining provisions shall continue in full force and effect to the\n fullest extent permitted by law. The parties shall replace the invalid provision with a valid one that\n achieves the same or substantially similar economic effect, in compliance with the Contracts Act 1950 and\n Consumer Protection Act 1999.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-10\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 10<\/h2>\n <div class=\"section-sub\">THE CONFIDENTIALITY OF CERTAIN INFORMATION<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>THE CONFIDENTIALITY OF CERTAIN INFORMATION<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-10-24\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 24 | NOTICES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>24.1 Except as explicitly stated otherwise, any notices given to the Company shall be given by email to\n louisthai.services@gmail.com or the Company's address. <\/p>\n <p>(a) Any notices given to the User shall be to the email address provided by the User to the Company at\n the time of listing (or as such information may be updated via the Website by the User from time to time)\n or at the mailing address provided by the User to the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>24.2 Any notice, demand, or request with respect to this Agreement shall be in writing and shall be\n effective only if it is delivered by email, personal service, by air courier with receipt of delivery, or\n mailed, certified mail, return receipt requested, postage prepaid, to the address set forth above. <\/p>\n <p>(a) Such communications shall be effective when they are received by the addressee, but if sent by\n certified mail in the manner set forth above, they shall be effective five (5) days after being deposited\n in the mail. <\/p>\n <p>(b) Any Party may change its address for such communications by giving notice to the other Party in\n conformity with this section.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-25\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 25 | AMENDMENT<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>25.1 The Company may at any time at its <strong>sole discretion modify<\/strong> this Agreement from time\n to time, and any such changes will;<\/p>\n <p>(a) be reflected on the Website, <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) be effective thirty (30) calendar days after being so posted on the Website, <\/p>\n <div class=\"gap\"><\/div>\n <p>(c) not apply retroactively, and ;<\/p>\n <div class=\"gap\"><\/div>\n <p>(d) not apply to any disputes arising prior to the effective date of such change. <\/p>\n <div class=\"gap\"><\/div>\n <p>(e) The Company shall also post the amended Agreement to the address of the User. The User\n <strong>agrees<\/strong> to be bound to any such changes and understands the importance of regularly\n reviewing this Agreement as updated on the Website to keep the User's listing and contact information\n current.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>25.2 Notwithstanding anything to the contrary herein, the Company reserves the right to, at any time and\n from time to time, change, alter, modify, or discontinue the Website (or any part thereof) with or without\n notice.<\/p>\n <div class=\"gap\"><\/div>\n <p>25.3 The User agrees that the Company shall have no liability to the User or to any third party for any\n change, alteration, modification, suspension, discontinuance, or amendment of the Company's Website.\n <\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-26\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 26 | MODIFICATION OF SERVICES OR PRODUCTS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>26.1 Purpose<\/strong><\/p>\n <p>(a) LOUIS THAI reserves the right to modify, suspend, or discontinue any Services or Products offered\n through Our Website, social media, or other channels to adapt to operational, legal, or market conditions.\n This clause outlines Your rights and Our obligations regarding such changes.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>26.2 Scope of Modifications<\/strong><\/p>\n <p>Modifications may include, but are <strong>not<\/strong> limited to:<\/p>\n <p>(a) Changes to the format, duration, or delivery method of fortune-telling consultations, rituals, or\n blessings.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Alterations to product specifications, such as materials, design, or availability of talismans or\n wholesale goods.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Suspension or discontinuation of specific Services or Products due to unforeseen circumstances, such\n as supply chain issues or regulatory requirements.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>26.3 Notification<\/strong><\/p>\n <p>(a) We will notify You of material changes to Services or Products via email, WhatsApp, or Our Website\n (https:\/\/louisthai.com) at least 7 days in advance, where feasible.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) For non-material changes (e.g., minor scheduling adjustments), We may implement changes without prior\n notice but will inform You during Your next interaction with Our Services.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>26.4 Client Options<\/strong><\/p>\n <p>(a) If a modification significantly affects a Service or Product You have purchased, You may request a\n refund or alternative Service within 7 days of notification, subject to Our refund policy (Clause 25).<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Refunds or alternatives are not available if You have already received or used the Service or Product\n prior to the modification.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>26.5 Limitation of Liability<\/strong><\/p>\n <p>LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from lawful modifications\n made in accordance with this clause, except as required by the Consumer Protection Act 1999 or other\n applicable Malaysian laws.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-27\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 27 | FORCE MAJEURE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>27.1 Except with regard to payment obligations<\/strong>, either Party <strong>shall be\n excused<\/strong> from delays in performing or from failing to perform its obligations under this\n contract to the extent the delays or failures resulting from causes beyond the reasonable control of the\n Party, <strong>including, but not limited to:<\/strong><\/p>\n <p>(a) failures or default of third-party software, Users, or products; <\/p>\n <p>(b) acts of God or of a public enemy; <\/p>\n <p>(c) foreign governmental actions; <\/p>\n <p>(d) strikes; <\/p>\n <p>(e) communications, <\/p>\n <p>(f) network connection, or <\/p>\n <p>(g) utility interruption or failure; <\/p>\n <p>(h) fire; flood; epidemic; or <\/p>\n <p>(i) freight embargoes.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-28\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 28 | FORCE MAJEURE FOR SERVICE DELAYS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>28.1 Purpose<\/p>\n <p>a. LOUIS THAI may be unable to deliver Services or Products on schedule due to events beyond Our\n reasonable control. This clause outlines Our rights and Your options in such circumstances, supplementing\n Clause 22: Force Majeure.<\/p>\n <p>28.2 Force Majeure Events<\/p>\n <pre> Force majeure events include, but are not limited to:<\/pre>\n <p>a. Natural disasters (e.g., floods, earthquakes).<\/p>\n <p>b. Government actions or restrictions (e.g., movement control orders, temple closures).<\/p>\n <p>c. Public health emergencies (e.g., pandemics).<\/p>\n <p>d. Unavoidable operational disruptions (e.g., failure of critical suppliers, utility outages).<\/p>\n <p>e. Acts of third parties beyond Our control (e.g., cyber-attacks affecting Our booking systems).<\/p>\n <p>28.3 Impact on Services<\/p>\n <p>a. If a force majeure event prevents or delays the delivery of a Service (e.g., a ritual or\n consultation), We will notify You as soon as practicable via email, WhatsApp, or Our Website.<\/p>\n <p>b. We may reschedule the Service to the earliest feasible date or offer an alternative Service of\n equivalent value, at Our discretion.<\/p>\n <p>c. If rescheduling or alternatives are not possible within 30 days, You may request a refund, subject to\n Our refund policy (Clause 25).<\/p>\n <p>28.4 Impact on Products<\/p>\n <p>a. For delays in delivering Products (e.g., talismans or wholesale goods) due to force majeure, We will\n notify You and provide an estimated delivery timeline.<\/p>\n <p>b. You may cancel Your order and request a refund if the delay exceeds 30 days, subject to Clause 25.<\/p>\n <p>28.5 Limitation of Liability<\/p>\n <div class=\"gap\"><\/div>\n <p>28.5.1 LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from delays or\n cancellations caused by force majeure events, except as required by the Consumer Protection Act 1999 or\n other applicable Malaysian law<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-29\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 29 | WAIVER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>No failure or delay by the Company to exercise any right, power, or remedy under these Terms and\n Conditions shall operate as a waiver thereof, nor shall any single or partial exercise of any such right,\n power, or remedy preclude any other or further exercise thereof or the exercise of any other right, power,\n or remedy. Any waiver must be in writing and signed by the waiving party to be effective, in accordance\n with the Contracts Act 1950.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <p>CUSTOMER LOYALTY AND REWARDS PROGRAM<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-30\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 30 | LOYALTY PROGRAM ENROLLMENT<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>30.1 Purpose<\/p>\n <p>a. Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") offers a voluntary Customer Loyalty Program ("Program") to reward frequent\n Users of our Services and Products. Enrolment is open to all Users aged 18 or above who have completed at\n least one transaction via the Platform.<\/p>\n <p>30.2 Enrolment Process<\/p>\n <p>a. Users may enrol by registering on the Website (https:\/\/louisthai.com\/loyalty) or contacting\n support@louisthai.com.<\/p>\n <p>b. Upon enrolment, Users will receive a unique Loyalty ID and initial points equivalent to RM 10.00 based\n on their first purchase value.<\/p>\n <p>c. Users must provide accurate personal information, which will be processed in compliance with the\n Personal Data Protection Act 2010 (PDPA).<\/p>\n <p>30.3 Eligibility<\/p>\n <p>a. Employees, Board of Directors, and their immediate family members are excluded from the Program.<\/p>\n <p>b. Participation is subject to these Terms and may be terminated if misused (e.g., fraudulent point\n accumulation).<\/p>\n <p>30.4 Legal Compliance<\/p>\n <p>a. The Program adheres to the Consumer Protection Act 1999 and other applicable Malaysian laws to ensure\n fair treatment of participants.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-31\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 31 | EARNING AND REDEEMING REWARDS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>31.1 Earning Points<\/p>\n <p>a. Users earn 1 Loyalty Point for every RM 5.00 spent on eligible Services (e.g., fortune-telling,\n rituals under MSIC 96092) or Products (e.g., talismans under MSIC 46909).<\/p>\n <p>b. Bonus points may be awarded during promotional events, at the Company's discretion.<\/p>\n <p>31.2 Redeeming Rewards<\/p>\n <p>a. 100 Loyalty Points may be redeemed for a RM 10.00 discount on future purchases, subject to\n availability.<\/p>\n <p>b. Redemption is limited to one transaction per month and cannot be combined with other discounts or FOC\n offers (Clause 35).<\/p>\n <p>31.3 Expiration and Forfeiture<\/p>\n <p>a. Points expire 12 months from the date earned unless redeemed.<\/p>\n <p>b. Points are forfeited upon termination of the Program or the User's account due to breach of these\n Terms.<\/p>\n <p>31.4 Limitation of Liability<\/p>\n <p>a. LOUIS THAI shall not be liable for any loss of points due to technical errors or User negligence,\n except in cases of gross misconduct, as governed by the Consumer Protection Act 1999.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-10-32\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 32 | PROGRAM TERMINATION AND MODIFICATIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>32.1 Termination by User<\/p>\n <p>a. Users may terminate their Program participation by submitting a written request to\n support@louisthai.com. Unredeemed points will be forfeited upon termination.<\/p>\n <p>32.2 Termination or Modification by Company<\/p>\n <p>a. LOUIS THAI reserves the right to modify, suspend, or terminate the Program with 30 days' prior\n notice via the Website or email, in compliance with the Consumer Protection Act 1999.<\/p>\n <p>b. Modifications may include changes to point earning rates or redemption values, and Users will be\n notified of material changes.<\/p>\n <p>32.3 Transition of Points<\/p>\n <p>a. Upon Program termination, Users may redeem existing points within 60 days of the announcement, subject\n to availability of Services or Products.<\/p>\n <p>32.4 Dispute Resolution<\/p>\n <p>a. Any disputes related to the Program shall be resolved under Clause 45 (Applicable Law and Conflict\n Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per\n the Arbitration Act 2005.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-11\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 11<\/h2>\n <div class=\"section-sub\">ZERO TOLERANCE<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>ZERO TOLERANCE<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-11-33\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 33 | ZERO TOLERANCE POLICY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>33.1 Purpose<\/p>\n <p>a. LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") is committed to maintaining a safe, respectful, and professional environment for all\n clients, staff, and stakeholders. <\/p>\n <div class=\"gap\"><\/div>\n <p>b. This Zero Tolerance Policy outlines behaviours that are strictly prohibited when engaging with Our\n Services, Website, or staff. <\/p>\n <div class=\"gap\"><\/div>\n <p>c. Violations of this policy will result in immediate consequences, including but not limited to\n termination of Services, refusal of access, and legal action where applicable.<\/p>\n <div class=\"gap\"><\/div>\n <p>33.1.1.<\/p>\n <p>Prohibited Behaviours<\/p>\n <p>You agree not to engage in any of the following behaviours when interacting with LOUIS THAI, Our staff,\n or Our Platforms (including the Website, social media, WhatsApp, or other communication channels):<\/p>\n <div class=\"gap\"><\/div>\n <p>33.1.2.<\/p>\n <p>Harassment and Abuse<\/p>\n <p>Any form of harassment, intimidation, or abusive behaviour toward Our staff, other clients, or third\n parties, including verbal, written, or physical threats, offensive language, or discriminatory remarks\n based on race, religion, gender, or other protected characteristics.<\/p>\n <div class=\"gap\"><\/div>\n <p>33.1.3.<\/p>\n <p>Fraud and Misrepresentation<\/p>\n <p>Providing false or misleading information, engaging in fraudulent transactions, or attempting to deceive\n LOUIS THAI for financial or personal gain (e.g., submitting fake payment receipts or misrepresenting\n eligibility for Services).<\/p>\n <p>33.1.4.<\/p>\n <p>Misuse of Services<\/p>\n <p>Using Our Services, including fortune-telling, rituals, or products, for unlawful, unethical, or\n unauthorized purposes, such as attempting to harm others or exploiting Our Services for personal agendas\n not aligned with their intended purpose.<\/p>\n <p>33.1.5.<\/p>\n <p>Unauthorized Access or Interference<\/p>\n <p>Attempting to access Our systems, Website, or confidential information without authorization, including\n hacking, phishing, or distributing malicious software (e.g., viruses, trojan horses).<\/p>\n <p>33.1.6.<\/p>\n <p>Defamation and False Statements:<\/p>\n <p>Spreading false, defamatory, or damaging statements about LOUIS THAI, Our staff, or Our Services, whether\n on social media, public forums, or private communications.<\/p>\n <p>33.1.7.<\/p>\n <p>Non-Compliance with Terms<\/p>\n <p>Deliberately violating any provisions of these Terms and Conditions, including payment obligations,\n intellectual property restrictions, or data protection requirements.<\/p>\n <p>33.1.8.<\/p>\n <p>Disruptive Conduct<\/p>\n <p>Engaging in behaviour that disrupts Our operations, such as sending excessive or repetitive\n communications (e.g., spamming WhatsApp or email) or refusing to follow staff instructions during Service\n delivery.<\/p>\n <div class=\"gap\"><\/div>\n <p>33.2 Consequences of Violations<\/p>\n <p>LOUIS THAI reserves the right to take immediate action upon confirming a violation of this Zero Tolerance\n Policy, including but not limited to:<\/p>\n <p>a. Termination of all Services without refund, regardless of prior payments.<\/p>\n <p>b. Suspension or permanent banning from Our Website, social media platforms, and other communication\n channels.<\/p>\n <p>c. Reporting the violation to relevant authorities if it involves illegal activities (e.g., fraud,\n threats, or cybercrimes).<\/p>\n <p>d. Pursuing legal remedies, including claims for damages or injunctive relief, to protect Our rights and\n reputation.<\/p>\n <p>e. Decisions regarding violations are at LOUIS THAI's sole discretion and are final and conclusive.\n You will be notified of any action taken, where feasible, via the contact details provided to Us.<\/p>\n <p>33.3 Reporting Violations<\/p>\n <p>a. If You witness or experience any prohibited behaviour, You may report it to Us at Insert Contact\n Email: e.g., support@louisthai.com or through Our Website at https:\/\/louisthai.com\/contact\/.<\/p>\n <p>b. Reports should include relevant details, such as the date, time, nature of the violation, and any\n supporting evidence (e.g., screenshots or recordings).<\/p>\n <p>c. LOUIS THAI will investigate all reports promptly and confidentially, ensuring no retaliation against\n good-faith reporters.<\/p>\n <p>33.4 Client Acknowledgment<\/p>\n <pre> By accessing or using Our Services, You acknowledge that:<\/pre>\n <p>a. You have read and understood this Zero Tolerance Policy.<\/p>\n <p>b. You agree to comply with its provisions and accept the consequences of any violations.<\/p>\n <p>c. LOUIS THAI's commitment to zero tolerance protects the integrity of Our Services and ensures a\n positive experience for all clients.<\/p>\n <p>33.5 Compliance with Law<\/p>\n <p>a. This Zero Tolerance Policy is enforced in accordance with Malaysian laws, including but not limited to\n the Consumer Protection Act 1999, Personal Data Protection Act 2010 (PDPA), and Communications and\n Multimedia Act 1998. <\/p>\n <p>b. If any provision of this clause conflicts with applicable law, the latter shall prevail, and LOUIS\n THAI will adjust its practices accordingly.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-11-34\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 34 | ASSIGNMENT AND DELEGATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>You may not assign, transfer, delegate, or subcontract any rights, obligations, or duties under these\n Terms and Conditions without the prior written consent of the Company. The Company may assign, transfer,\n or subcontract its rights and obligations at its sole discretion, including in connection with a merger,\n acquisition, or sale of assets, provided such assignment does not materially diminish Your rights under\n the Consumer Protection Act 1999. Any unauthorized assignment by You shall be null and void.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-11-35\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 35 | SURVIVAL<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>Upon termination or expiration of these Terms and Conditions, the following clauses shall survive and\n continue to bind the parties: Clauses 6 (Intellectual Property Rights), 7 (Data), 10 (Limitations of\n Liability), 12 (Confidentiality), 23 (Default and Enforcement), 24 (Zero Tolerance Policy), 26 (Governing\n Law and Dispute Resolution), and any other provisions that by their nature should survive, including\n indemnity obligations and accrued rights under the Contracts Act 1950.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-12\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 12<\/h2>\n <div class=\"section-sub\">CONFLICT OF INTEREST<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>CONFLICT OF INTEREST<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-12-36\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 36 | CONFLICT OF INTEREST<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>36.1 A conflict of interest define as an employee's personal interests, external relationships, or\n other non-company interests may affect their objectivity, impartiality, or integrity in performing their\n duties, leading to potential harm to the Company's interests or client rights.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.1 Common Conflict of Interest Situations<\/p>\n <p>Conflicts of interest may arise in, but are not limited to, the following situations:<\/p>\n <p>36.1.1 Financial Conflicts of Interest<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.1.1 The employee or their immediate family has financial interests (e.g., shares, partnership\n investments, loans) in a client's or supplier's company.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.1.2 The employee uses their position to secure improper financial benefits for themselves or a third\n party, such as accepting bribes, commissions, or kickbacks.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <p>36.1.2 Business Transactions Conflicts<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.2.1 The employee establishes personal business dealings with clients or suppliers without approval,\n such as providing consulting services, selling products, or forming investment partnerships.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.2.2 The employee provides additional paid or free services to clients that overlap or compete with\n the Company's business without authorization.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.3 Personal Relationship Conflicts<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.3.1 The employee has close personal relationships (e.g., family, romantic) with a client, supplier,\n or business partner and has not disclosed this, which could impact business decisions.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.3.2 The employee grants unfair advantages or special privileges to a client or supplier due to\n personal relationships.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.4 External Employment Conflicts<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.4.1 The employee works part-time, consults, or holds positions such as a director or advisor at a\n client's, supplier's, or competitor's company without approval.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.4.2 The employee misuses Company resources (e.g., customer data, business intelligence) for personal\n or external business gain.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.5 Gifts and Hospitality Conflicts<\/p>\n <div class=\"gap\"><\/div>\n <p>36.1.5.1 The employee accepts high-value gifts, hospitality, travel, entertainment, or other undue\n benefits from clients or suppliers that could affect their impartiality.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2 Requirements<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.1 Mandatory Disclosure and Transparency<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.1.1 All employees must submit a Conflict of Interest Disclosure Form at the time of hiring and\n annually. Any new conflicts of interest must be reported to the Compliance Department within five (5)\n working days.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.1.2 If an employee is unsure whether a situation constitutes a conflict of interest, they must seek\n guidance from their superior or the Compliance Department.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.1.3 Senior management and directors must disclose any conflicts of interest that could impact\n decision-making at annual meetings or shareholder meetings.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2 Strictly Prohibited Conduct<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2.1 Employees are strictly prohibited from accepting cash, commissions, kickbacks, or high-value\n gifts from clients or suppliers (gifts exceeding RM200 must be declared).<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2.2 Employees are prohibited from engaging in unauthorized external employment, business\n partnerships, or investments, especially with Company clients, suppliers, or competitors.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2.3 Employees must not provide paid or free services to clients that are related to the\n Company's business without proper authorization, including but not limited to feng shui consultation,\n divination, predictions, and investment advice.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.2.2.4 Employees must not use their position to obtain unfair advantages for themselves or their family\n members, such as prioritizing certain clients or obtaining special discounts.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3 External Employment and Business Interests<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.1 Employees must not work part-time, invest in, or act as consultants, directors, or advisors for\n clients, competitors, or suppliers without written approval.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2 Employees who wish to engage in external employment or business activities must submit a written\n application and obtain approval from the Compliance Department and management.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.1 Gifts and Hospitality Management<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.1.1. Employees must not accept gifts, hospitality, or other personal benefits exceeding RM200 from\n clients or suppliers without declaration and approval.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.1.2. If an employee is invited to attend events, banquets, or entertainment funded by a client,\n they must obtain prior approval from their superior.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.2 Confidential Information Protection<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.2.1. Employees must not use confidential company information, client data, or other sensitive\n materials for personal gain or third-party advantage.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.2.2. Even after termination of employment, employees are required to uphold confidentiality\n obligations and must not disclose client information or company data to competitors or use it for personal\n business purposes.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.3.2.3 Violation & Enforcement<\/p>\n <div class=\"gap\"><\/div>\n <p>36.4 Violation Investigation Procedures<\/p>\n <p>If an employee is suspected of having a conflict of interest, the Company will take the following steps:\n <\/p>\n <p>36.4.1 Preliminary Review; The Compliance Department will assess the report or disclosure.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.4.2 Formal Investigation; If evidence supports the claim, an investigation committee will be formed to\n conduct a thorough inquiry.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.4.3 Hearing and Defence; The employee has the right to provide explanations and supporting evidence.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>36.4.4 Decision and Execution; The Company's management will determine and impose appropriate\n disciplinary actions.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.5 Disciplinary Actions<\/p>\n <pre> Employees who violate this policy will face the following disciplinary actions:<\/pre>\n <p>36.5.1.1 Written Warning (for minor violations, such as failure to disclose a conflict of interest for\n the first time).<\/p>\n <div class=\"gap\"><\/div>\n <p>36.5.1.2 Demotion or Suspension (for serious violations, such as unauthorized external employment or\n accepting kickbacks).<\/p>\n <div class=\"gap\"><\/div>\n <p>36.5.1.3 Immediate Termination (for major violations, such as leaking confidential client information or\n abusing power for personal gain).<\/p>\n <div class=\"gap\"><\/div>\n <p>36.5.1.4 Legal Action (for criminal offenses, including fraud, bribery, or disclosure of trade secrets).\n <\/p>\n <div class=\"gap\"><\/div>\n <p>36.6 Whistleblower Mechanism<\/p>\n <div class=\"gap\"><\/div>\n <p>36.6.1 The Company has established a Conflict of Interest Reporting Hotline, allowing employees to\n anonymously report violations.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.6.2 Any malicious or false accusations will be subject to disciplinary action.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.6.3 The Company guarantees protection against retaliation for employees who report in good faith.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.7 Monitoring & Compliance<\/p>\n <div class=\"gap\"><\/div>\n <p>36.7.1 This policy is overseen by the Compliance & Ethics Committee, which conducts regular reviews\n and updates.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.7.2 All new employees must undergo Conflict of Interest Policy training and sign an acknowledgment\n form.<\/p>\n <div class=\"gap\"><\/div>\n <p>36.7.3 Senior management is required to conduct quarterly self-assessments and report any conflicts of\n interest to the Board of Directors.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-13\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 13<\/h2>\n <div class=\"section-sub\">ORDERING AND DELIVERY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>ORDERING AND DELIVERY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-13-37\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 37 | OFFER AND ACCEPTANCE OF THE SERVICE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>37.1 The displays made on all the Company's platform shall be treated as an invitation to treat.\n This includes all photos, videos, wordings, statements, price, and etc.<\/p>\n <div class=\"gap\"><\/div>\n <p>37.2 By accepting this Terms and Conditions, it shall be treated as an offer from You. The Company shall\n then accept such offer by issuing You an invoice. All consideration shall be made in full.<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3 For services that requires booking, the Company has the final right to accept or refuse the booking\n request subject to the following reasons:<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.1 Overbooking;<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.2 Limited products or services provided;<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.3 Lack of professional staffs;<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.4 Found out that You are our business competitors;<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.5 Suspended business competitor; and<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.6 Blacklisted client<\/p>\n <div class=\"gap\"><\/div>\n <p>37.3.7 You shall receive full refunds for any payments made for the above purposes if it is cancelled by\n the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>37.4 For the avoidance of doubt, by accepting this Terms and Conditions, it merely meant that the Company\n has acknowledge and received the booking. The final Acceptance shall be executed by the Company by issuing\n You an invoice.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-13-38\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 38 | DELAY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>38.1 In the event of 48 hours (2 days) delay in performing the rituals and blessings from the date of the\n designated date, the User is entitled submit a written request to cancel the said services.<\/p>\n <div class=\"gap\"><\/div>\n <p>38.2 In the event of 12 hours delay in performing the fortune reading consultation service from the date\n of the designated time, the User is entitled get fully refund or reschedule a new time slot with us\n without refund.<\/p>\n <div class=\"gap\"><\/div>\n <p>38.3 Refunds will be made to the User within a reasonable number of 72 hours (3 working days) by the same\n method the payment was made.<\/p>\n <div class=\"gap\"><\/div>\n <p>38.4 Alternatively, the User is entitled for a replacement of the service or goods of the same amount\n paid. In the event the price of the replacement is higher, the User shall top up the difference.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-13-39\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 39 | EXCLUSIVE REFUND<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>39.1 Eligibility for Refund<\/p>\n <div class=\"gap\"><\/div>\n <p>39.1.1 Refunds are only applicable in the event that the service has not commenced, or if the goods have\n not been shipped. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.1.2 No refund will be processed once the service has started or the goods have been dispatched. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.1.3 All refunds will be made via cheque, subject to a processing and management fee of RM 1.00. This\n fee shall be deducted from the total refund amount.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.2 Refund Processing Time<\/p>\n <div class=\"gap\"><\/div>\n <p>39.2.1 The approval process for refunds will take approximately 72 hours (3 working days) from the date\n of the refund request. Refunds for goods and services will only be processed to a Malaysian bank account.\n It is the responsibility of the customer to provide accurate banking details for the refund transaction.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>39.2.2 Refund for Customers Outside Malaysia<\/p>\n <p>For customers residing outside of Malaysia, refunds will be processed via a third-party transaction\n service. The customer shall bear all processing fees, currency conversion charges, and any other\n applicable fees associated with the refund process. The company shall not be responsible for any\n additional costs incurred by the customer due to the third-party service or international currency\n exchange.<\/p>\n <p>39.2.3 Non-Refundable Items<\/p>\n <pre> The following items are not eligible for refund:<\/pre>\n <pre> i. Services that have already commenced.<\/pre>\n <pre> ii. Goods that have been shipped or delivered to the customer.<\/pre>\n <pre> iii. Customized or personalized products.<\/pre>\n <p>iv. Digital products, including downloadable content, reports, and any other intangible goods, once the\n purchase has been confirmed. <\/p>\n <p>39.2.4 Refund Method and Limitations<\/p>\n <div class=\"gap\"><\/div>\n <p>39.2.4.1 Refunds will be made via cheque for customers within Malaysia. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.2.4.2 Refunds for international customers will be processed via third-party services as outlined in\n Clause 34.(1.) (1.)(2.)(3.) Refunds will only be processed to the account or payment method used for the\n original transaction. The company reserves the right to refuse any refund requests that do not meet the\n stipulated conditions or that are deemed unreasonable.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3 General Terms<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.1 Refund Request Order<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.1.1 All refund requests must be submitted within [Insert number of days] days from the date of\n purchase or service order. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.1.2 The company reserves the right to modify or amend this refund policy at any time without prior\n notice, and all customers will be bound by the most current version of the refund policy as published.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.2 Refunds Due to Service Inability<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.2.1 In the event that LOUIS THAI International Group Sdn Bhd is unable to provide the contracted\n service, or if the service provided does not meet the standards or terms outlined in the service\n agreement, the customer is entitled to a full or partial refund, based on the circumstances. This will be\n determined by the company in accordance with the contractual agreement and the nature of the failure.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.3 Partial Refunds for Returned Goods<\/p>\n <p>39.3.3.1 For goods returned under acceptable conditions (i.e., defective, damaged, or incorrect goods), a\n partial refund may be issued in the event that the product cannot be replaced. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.3.2 This partial refund will be based on the extent of damage, defect, or non-compliance with the\n agreed specifications.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.4 Refund Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.4.1 In cases where a refund request is disputed by either party, the company will engage in a formal\n review process. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.4.2 This will involve an internal investigation and, if necessary, third-party arbitration. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.4.3 Any disputes not resolved through this process will be subject to Malaysian law and the\n jurisdiction of the relevant courts in Malaysia.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.5 Customer Responsibilities<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.5.1 Customers are required to provide all necessary documentation to substantiate a refund request,\n including, but not limited to, proof of purchase, service confirmation, and photographic evidence (if\n applicable) of damaged or defective goods. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.5.2 Failure to provide adequate supporting documentation may result in the rejection of the refund\n request. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.5.3 The company reserves the right to charge administrative fees if excessive documentation or time\n is required to process a refund request.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.6 Incorporation of Company's Meeting Regulations<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.6.1 This refund policy is governed by the meeting regulations and decisions made by the board of\n directors and other governing bodies of LOUIS THAI International Group Sdn Bhd.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.6.2 Any amendments or decisions regarding refunds will be in alignment with the company's\n official meeting minutes and resolutions, which will be deemed authoritative and final in case of any\n discrepancies or disputes. The policies may be revised or updated during official meetings and will be\n communicated to all stakeholders in a timely manner.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.7 Extraordinary Circumstances for Refund<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.7.1 In the event of extraordinary circumstances such as natural disasters, government regulations,\n or force majeure events that prevent the company from providing its services or delivering goods, refunds\n will be evaluated on a case-by-case basis. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.7.2 The company may choose to offer an alternative solution, such as rescheduling the service or\n providing a credit voucher for future purchases. Refunds in such cases are subject to the discretion of\n the company and may be offered at a reduced amount to cover incurred costs.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.8 Refunds for Subscription-Based Services<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.8.1 For subscription-based services, the refund request will only be applicable to the most recent\n payment made and will be prorated based on the unused portion of the service period. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.8.2 Subscription services are non-refundable if the customer has already accessed or used the\n service during the subscription period.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.9 Refund for Services Rendered in Error<\/p>\n <p>39.3.9.1 If a service has been rendered incorrectly or in error by LOUIS THAI International Group Sdn\n Bhd, the company will review the situation and may offer a partial or full refund based on the severity of\n the error. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.9.2 Customers must notify the company of such errors within 1 day (Fortune Services) from the\n service provision date. Error are included customer name, customer birthday, customer born timing before\n 6.00 am GMT+8 and after 6.00am GMT +8 only, such as example in Clause 34.(3.)(9.)(3.)<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.9.3 example; if Mr. A born at 5.50am, but Mr. A provided wrong information which is exactly born\n timing is 5.30am, in this case refund of fortune services are not entitle to approve on refund\n application, because 5.50am and 5.30am consider before 6.00am GMT+8 ) <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.10 Refund Policy Updates<\/p>\n <p>The company reserves the right to modify or amend this refund policy at its discretion. Any such updates\n will be published on the official website or communicated directly to customers. All refunds will be\n subject to the refund policy as stated at the time of the original purchase, unless otherwise specified.\n Customers are encouraged to review the policy regularly to stay informed of any changes.<\/p>\n <p>39.3.11 Refund for Services Rendered in Error<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.11.1 If goods received are not as described, including errors in packaging, labeling, or\n specifications, customers may request a refund. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.11.2 The refund will be processed once the goods are returned and verified by the company. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.11.3 In such cases, the company will cover the return shipping costs.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.12 Refunds for Damaged Goods During Shipping<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.12.1 In the event that goods are damaged during shipping, customers must notify the company within\n 14 days of receiving the damaged goods.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.12.2 Photographic evidence of the damage must be provided. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.12.3 A refund or replacement will be processed based on the evaluation of the returned goods.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.13 Refunds for Goods Purchased in Error<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.13.1 If a customer accidentally purchases goods in error (such as the wrong size, color, or\n quantity), a refund may be granted if the product is returned unopened and unused, subject to the\n company's inspection. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.13.2 A restocking fee may apply.<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.14 Refunds for Customer-Requested Cancellations<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.14.1 Refunds for cancellations requested by the customer will be processed based on the timing of\n the request. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.14.2 If the cancellation request is made before the service has commenced or goods have been\n shipped, a full refund will be provided, minus any applicable processing fees. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.14.3 Cancellations after this point may be subject to partial refunds or credit for future services.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.15 Legal Compliance and Consumer Protection<\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.15.1 All refund processes and policies will be carried out in compliance with Malaysian law,\n including but not limited to the Consumer Protection Act 1999 and other relevant legislation. <\/p>\n <div class=\"gap\"><\/div>\n <p>39.3.15.2 The company ensures that all customer rights are respected, and any refund policies will align\n with the applicable legal and regulatory requirements.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-13-40\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 40 | FOC POLICY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <pre>40.1 In common parlance, the FOC is referred to as the "Free-Of-Charge" and in publications often abbreviated as "FOC".<\/pre>\n <div class=\"gap\"><\/div>\n <p>40.2 The FOC is applicable when we offer our products or services during critical events, and the client\n is not required to make any payments.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.3 Clients may be subjected to charges other than FOC, such as AOS Charge (Advance Operating Service\n Charges, known as "AOS charges"), Professional Charge, Warranty Charge, Tariffs, Government\n Taxes, Administration and Management Processing Charges, and other applicable fees.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.4 Clients under an FOC offer are not eligible for refunds as they have not incurred any costs for the\n services or products provided.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5 Provisioning Process<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5.1 The authority to issue FOC or waive fees lies solely with the highest-ranking president of the\n Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5.2 FOC rewards commence on the same date and time they are provided to the Client by the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5.3 FOC rewards are strictly non-transferable and cannot be split into separate invoices for use.<\/p>\n <div class=\"gap\"><\/div>\n <p>40.5.4 FOC amounts cannot be converted into LOUIS THAI Loyalty Program points, tokens, or USD (United\n States Dollar)<\/p>\n <div class=\"gap\"><\/div>\n <p>40.6 The applicability of FOC rewards<\/p>\n <p>The applicability of FOC rewards to our Affiliate business divisions or Companies is subject to the\n decision of the highest-ranking president of the Company on the same day.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-13-41\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 41 | FOC EXCLUSIVE<\/span>\n <\/summary>\n <div class=\"content\">\n <p>41.1 When LOUIS THAI company offers a lifetime free-of-charge (FOC) service to select customers,\n it's usually because those customers have done something of significant value for the company. Here\n are some common reasons why a company might make such an offer:<\/p>\n <div class=\"gap\"><\/div>\n <p>41.1.1 Early Adoption and Support<\/p>\n <div class=\"gap\"><\/div>\n <p>41.1.1.1 Beta Testers<\/p>\n <p>a. Customers who participated in beta testing and provided valuable feedback, helping us improve our\n product or service before launch.<\/p>\n <p>41.1.1.2 Founding Customers<\/p>\n <p>a. Those who supported us during its early days, perhaps even before it was widely known or profitable.\n <\/p>\n <p>41.1.1.3 Significant Referrals<\/p>\n <p>a. Customers who have referred a large number of new clients or users, significantly contributing to the\n company's growth and revenue.<\/p>\n <p>41.1.1.4 High-Profile Endorsements<\/p>\n <p>a. Influential individuals or celebrities who have publicly endorsed the product or service, bringing\n substantial visibility and credibility to the brand.<\/p>\n <p>41.1.1.5 Exceptional Brand Loyalty<\/p>\n <p>a. Long-term customers who have shown extraordinary loyalty, often purchasing or using the LOUIS THAI\n company's products or services consistently over many years.<\/p>\n <p>41.1.1.6 Valuable Feedback or Contributions<\/p>\n <p>a. Customers who have provided critical insights, ideas, or feedback that have led to significant\n improvements or innovations in the company's offerings.<\/p>\n <p>41.1.1.7 Crisis Management and Support<\/p>\n <p>a. Customers who have supported the company during difficult times, such as financial difficulties or\n public relations crises, and have stood by the brand when others did not.<\/p>\n <p>41.1.1.8 Special Circumstances or Relationships<\/p>\n <p>a. Situations where the customer may have a personal relationship with key members of the LOUIS THAI\n company, or where there's a unique, strategic reason to keep that individual satisfied and loyal.<\/p>\n <p>41.1.1.9 Legal or Contractual Reasons<\/p>\n <p>a. In some cases, lifetime free services may be offered due to legal settlements, contractual\n obligations, or as part of an acquisition or merger deal.<\/p>\n <p>41.1.1.10 Non-Profit or Philanthropic Reasons<\/p>\n <p>a. For customers associated with non-profits or charitable organizations, or those who have made\n significant philanthropic contributions, companies may offer free services as a gesture of goodwill.<\/p>\n <p>41.1.1.11 Public Relations and Marketing<\/p>\n <p>a. As a strategic PR or marketing move, offering lifetime services to select customers can generate\n positive media coverage and enhance the company's reputation.<\/p>\n <p>41.2 Those decisions are often made on a case-by-case basis and are part of a larger strategy to reward\n loyalty, encourage advocacy, or leverage strategic relationships. <\/p>\n <div class=\"gap\"><\/div>\n <p>41.3 In other way, the Company reserved the right as in if it is or becomes unlawful for any party to\n this Whole-Life Free-Of-Charge policies to perform any of its obligations under the Facility Documents, we\n may vary or recall the Offer without any written notice; unless Section of 32.3.(i)(ii)(iii)(iv);<\/p>\n <p>i. we are required; or<\/p>\n <p>ii. compelled under applicable law; or<\/p>\n <p>iii. regulation; or<\/p>\n <p>iv. vary<\/p>\n <p>41.4 In which case we will give you notice of such shorter duration as expressly or implicitly required\n or permitted by such law or regulations.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-14\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 14<\/h2>\n <div class=\"section-sub\">DEFAULT AND ENFORCEMENT OF SECURITY INTEREST<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>DEFAULT AND ENFORCEMENT OF SECURITY INTEREST<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-14-42\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 42 | TRADING ENFORCEABILITY INTEREST<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>42.1 Enforceability of Late Payment Interest Clause<\/p>\n <div class=\"gap\"><\/div>\n <p>42.1.1 The claim of interest from the legal notice (herein "the Agreement" or\/and "the\n Sales Invoice") under the Company (herein "Louis Thai International Group Sdn Bhd"). <\/p>\n <div class=\"gap\"><\/div>\n <p>42.1.1.1 Late payment invoice interest for the Company business under MSIC 96092 Astrology and Spiritual\n Activities entitled to claim the interest of 1.0% per month as stipulated in the invoices. <\/p>\n <div class=\"gap\"><\/div>\n <p>42.1.1.2 Late payment invoice interest for the Company business under MSIC 46909 Wholesale of a variety\n of goods without any particular specialization n.e.c. are entitled to claim the interest of 1.5% per month\n as stipulated in the invoices.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2 Above statement as clearly indicated in this invoice presenting to the consumer (buyer), which means\n the consumer had full knowledge of this interest was stated.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2.1 If there was no protest of the claim of interest at all when the invoices were presented to the\n consumer indicated the buyer (purchaser) are agreed with the formulated interest charging as in above\n written.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2.2 As a reasonable and prudent business deal parties, if the buyer was serious that the endorsement\n for interest payment at the amount biding at per month in the delivery orders and the invoices were\n arbitrary and not binding, buyer should have to protest and inform to the seller of purchaser's\n objection as expeditious as possible.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2.3 Buyer should be exercised its discretion and carefully noticed that interest rate stated on the\n invoice.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.2.4 If a contract of sale of goods (known as "sales invoice") has provided for the interest,\n the seller can clearly claim for interest on the price of the goods from the purchaser.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.3 Debt Recovery<\/p>\n <div class=\"gap\"><\/div>\n <p>42.3.1 In the event of non-payment, the Company may engage authorized debt recovery agencies to pursue\n overdue amounts, including accrued interest. <\/p>\n <div class=\"gap\"><\/div>\n <p>42.3.2 You shall be liable for reasonable recovery costs incurred by the Company, in addition to the\n overdue amount and interest.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4 Equitable Estoppel Doctrine<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4.1 If the contract of sale of goods (knows as "sales invoice") purchaser is silent on the\n question of interest;<\/p>\n <div class=\"gap\"><\/div>\n <p>i. the seller cannot rely on the Equitable Estoppel Doctrine. <\/p>\n <div class=\"gap\"><\/div>\n <p>ii. Buyer cannot contend that they are entitled to interest as provided in the invoice, delivery order\n and\/or statement of account which has not been objected by the purchaser.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4.2 The operation of the Equitable Estoppel Principle shall "follow" and be subject to\n Section 61(2)(a), (b) Sale of Goods Act 1957, Section 11 Civil Law Act 1956.<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4.3 A seller of goods cannot be equated to a licensed financial institution under the Financial\n Services Act 2013 or a licensed moneylender under the Moneylenders Act 1951;<\/p>\n <div class=\"gap\"><\/div>\n <p>42.4.4 The Equitable Estoppel Principle (to allow the seller to claim interest at the exorbitant rate of\n 12% per annum) should not be applied to cause injustice and inequity.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-14-43\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 43 | THE RIGHT OF THE SELLER AND BUYER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>43.1 Seller shall be allowed to enforce the late payment interest Clause;<\/p>\n <div class=\"gap\"><\/div>\n <p>43.2 Based on the rate set out in the seller's documents without the need to prove the actual loss\n or damage to the other Parties;<\/p>\n <div class=\"gap\"><\/div>\n <p>43.3 As a matter of prudence, if the buyers are not agreeable to the late payment interest clause and\/or\n its rate stated in the seller's documents, they ought to object to it expeditiously;<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-14-44\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 44 | CREDIT REPORTING AND CTOS SERVICES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>44.1 Late Payment Interest<\/p>\n <pre> The Company may claim interest on overdue invoices as follows: <\/pre>\n <p>44.1.1 For services under MSIC 96092 (Astrology and Spiritual Activities), interest shall accrue at a\n rate of 1.0% per month, calculated on a simple interest basis. <\/p>\n <div class=\"gap\"><\/div>\n <p>44.1.2 For services under MSIC 46909 (Wholesale of Goods), interest shall accrue at a rate of 1.5% per\n month, calculated on a simple interest basis. <\/p>\n <div class=\"gap\"><\/div>\n <p>44.2 Notification and Agreement<\/p>\n <p>The applicable interest rate shall be clearly stated in the invoice presented to You. By accepting the\n invoice without objection within seven (7) days, You agree to the specified interest rate.<\/p>\n <p>44.3 Credit Reporting<\/p>\n <p>In the event of default (defined as non-payment for 30 consecutive days after the invoice due date), the\n Company reserves the right to report Your overdue account to CTOS (Credit Tip-Off Service), a registered\n credit reporting agency under the Credit Reporting Agencies Act 2010. You will be notified in writing at\n least 14 days prior to such reporting. <\/p>\n <p>44.4 CTOS Fees<\/p>\n <p>The Company may add CTOS-related fees (e.g., monthly maintenance or reporting fees) to Your outstanding\n balance. These fees, which do not accrue interest, will be itemized in a revised invoice sent to You. <\/p>\n <p>The current CTOS fee rate is RM [insert amount, e.g., 10.00] per month, subject to change based on\n CTOS's prevailing charges. <\/p>\n <p>44.5 User Rights<\/p>\n <p>Under the Personal Data Protection Act 2010 (PDPA), You may request access to or correction of Your data\n submitted to CTOS by contacting support@louisthai.com. The Company will process such requests within 21\n days. <\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-14-45\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 45 | ENFORCEMENT AND DEBT RECOVERY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>45.1 Debt Recovery<\/p>\n <p>In the event of non-payment, the Company may engage authorized debt recovery agencies to pursue overdue\n amounts, including accrued interest and CTOS fees. You shall be liable for reasonable recovery costs\n incurred by the Company, in addition to the overdue amount. <\/p>\n <p>45.2 Equitable Estoppel<\/p>\n <p>If the invoice is silent on interest or CTOS fees, the Company shall not claim such amounts under the\n Equitable Estoppel Doctrine, in accordance with Section 61(2) of the Sale of Goods Act 1957 and Section 11\n of the Civil Law Act 1956. <\/p>\n <p>45.3 Compliance<\/p>\n <p>Interest rates, CTOS reporting, and recovery procedures shall comply with applicable Malaysian laws,\n including the Contracts Act 1950 and the Credit Reporting Agencies Act 2010. The Company shall not claim\n amounts deemed unconscionable by a court of law.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-15\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 15<\/h2>\n <div class=\"section-sub\">USER CONDUCT AND INTERACTION<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>USER CONDUCT AND INTERACTION<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-15-46\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 46 | HEALTH DECLARATION FOR THAI TATTOO<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>46.1 For Thai tattoo services (in Thai pronunciation known as "Sak Yant") and Gold Needle\n (talisman product), the User shall declare the health condition and have agreed to assume such risks.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-47\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 47 | SOCIAL MEDIA COMMUNITY<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>47.1 The Company's social media shall be a spam-free zone. Any User who contravenes these rules\n shall be banned from the Company's social media community.<\/p>\n <div class=\"gap\"><\/div>\n <p>47.2 No posts or comments that is discriminatory, overtly sexual, harassment contents, threatening\n comments, defamatory, obscene and offensive in nature shall be allowed.<\/p>\n <div class=\"gap\"><\/div>\n <p>47.3 The Company recommends open discussions to help solve the Users' issues. The Company welcomes\n positive and negative feedbacks and can be submitted to https:\/\/louisthai.com\/contact\/ or email us at\n support@louisthai.com<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-48\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 48 | DATA PROTECTION AND CROSS-BORDER DATA TRANSFER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>48.1 Data Processing<\/p>\n <p>"Data" refers to identifiable information collected by the Company, processed in accordance\n with the Personal Data Protection Act 2010 (PDPA). Users shall not resell or disclose Data without the\n Company's prior written consent.<\/p>\n <p>48.2 Cross-Border Data Transfer<\/p>\n <p>The Company may store or process Your Data on secure servers located outside Malaysia, provided such\n servers comply with PDPA standards or equivalent data protection laws. By using the Service, You consent\n to such cross-border data transfers.<\/p>\n <p>48.3 Opt-Out Option<\/p>\n <p>If You do not consent to cross-border data transfers, You may opt out by submitting a written request to\n support@louisthai.com. Upon receipt, the Company will restrict Your Data to servers within Malaysia,\n subject to operational feasibility. Note that opting out may limit access to certain Services.<\/p>\n <p>48.4 User Rights<\/p>\n <p>You may request access, correction, or deletion of Your Data under PDPA by contacting\n support@louisthai.com. The Company will process such requests within 21 days.<\/p>\n <p>48.5 Confidentiality<\/p>\n <p>Any confidential information submitted by You requires the Company's prior written consent for\n disclosure, except as required by law.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-49\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 49 | FEEDBACK AND TESTIMONIALS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>49.1 Purpose<\/p>\n <p>LOUIS THAI values Your feedback and may request testimonials to improve Our Services and promote Our\n business. This clause governs the submission and use of Your feedback or testimonials.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.2 Submission of Feedback<\/p>\n <div class=\"gap\"><\/div>\n <p>49.2.1 You may provide feedback about Our Services via Our Website (https:\/\/louisthai.com\/contact\/),\n email, WhatsApp, or other designated channels.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.2.2 Feedback should be honest, respectful, and compliant with Our Zero Tolerance Policy (Clause 15).\n <\/p>\n <div class=\"gap\"><\/div>\n <p>49.2.3 We may contact You to clarify or verify Your feedback to ensure accuracy.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.3 Use of Testimonials<\/p>\n <div class=\"gap\"><\/div>\n <p>49.3.1 By submitting feedback, You grant LOUIS THAI a non-exclusive, royalty-free, perpetual right to\n use, publish, and reproduce Your feedback as a testimonial for marketing purposes, including on Our\n Website, social media, or promotional materials.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.3.2 We will anonymize Your feedback (e.g., using initials or a pseudonym) unless You provide explicit\n written consent to include Your name or other identifying details, in compliance with the Personal Data\n Protection Act 2010 (PDPA).<\/p>\n <div class=\"gap\"><\/div>\n <p>49.3.3 You may request the removal of Your testimonial at any time by contacting Us, and We will comply\n promptly, subject to PDPA requirements.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.4 Client Rights<\/p>\n <div class=\"gap\"><\/div>\n <p>49.4.1 Submitting feedback is voluntary, and You are not obligated to provide testimonials.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.4.2 You retain ownership of Your feedback but acknowledge Our right to use it as outlined in this\n clause.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.4.3 Under the PDPA, You may request acAcess to or correction of Your feedback held by Us.<\/p>\n <div class=\"gap\"><\/div>\n <p>49.5 Limitation of Liability<\/p>\n <p>LOUIS THAI shall not be liable for any inaccuracies in published testimonials, provided We act in good\n faith and correct errors promptly upon Your notification.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-50\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 50 | APPLICABLE LAW AND CONFLICT RESOLUTION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>50.1 Governing Law<\/p>\n <p>This Agreement is governed by and construed in accordance with the laws of Malaysia<\/p>\n <p>50.2 Jurisdiction<\/p>\n <p>All disputes arising out of or in connection with this Agreement shall be subject to the exclusive\n jurisdiction of the courts of Malaysia. By using the Service, international Users expressly agree to\n submit to the jurisdiction of Malaysian courts, regardless of their place of residence or domicile.<\/p>\n <p>50.3 Mediation<\/p>\n <p>Prior to initiating legal proceedings, the parties agree to attempt to resolve any dispute through good\n faith mediation. Either party may initiate mediation by sending a written request to the other party, and\n the mediation shall be conducted in Kuala Lumpur by a mutually agreed mediator within 30 days of the\n request. Mediation costs shall be shared equally unless otherwise agreed.<\/p>\n <p>50.4 Arbitration<\/p>\n <p>If mediation fails to resolve the dispute, the parties agree to submit the dispute to binding arbitration\n in Kuala Lumpur, conducted in accordance with the rules of the Asian International Arbitration Centre\n (AIAC, formerly KLRCA). <\/p>\n <p>50.4.1 The arbitration shall be conducted in English by a single arbitrator appointed under AIAC rules\n (e.g., "in accordance with the Arbitration Act 2005 and AIAC rules") and the arbitral award\n shall be final and binding.<\/p>\n <div class=\"gap\"><\/div>\n <p>50.5 Costs<\/p>\n <p>In arbitration, the losing party, as determined by the arbitrator's final award, shall bear all\n costs incurred by both the claimant and the respondent, including but not limited to legal fees,\n arbitrator fees, and administrative fees. In mediation, each party shall bear its own costs unless the\n mediator determines otherwise based on the outcome or conduct of the parties.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-15-51\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 51 | CONFER<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>51.1 For any further clarification of Our Terms and Conditions, please write to Us at\n support@louisthai.com <\/p>\n <div class=\"gap\"><\/div>\n <p>51.2 If you desire to contact Louis Thai International Group (LTG) for any reason, you can submit an\n e-mail via support@louisthai.com <\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-16\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 16<\/h2>\n <div class=\"section-sub\">GOVERNS THE TRANSITION OF EXISTING CUSTOMERS TO THE UPDATED TERMS AND CONDITIONS\n <\/div>\n <\/div>\n <div class=\"card-body\">\n <p>GOVERNS THE TRANSITION OF EXISTING CUSTOMERS TO THE UPDATED TERMS AND CONDITIONS<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-16-52\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 52 | APPLICATION OF UPDATED TERMS AND CONDITIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>52.1 Definition of Existing Customers<\/p>\n <div class=\"gap\"><\/div>\n <p>52.1.1 For the purposes of this Clause, "Existing Customers" refers to Users who registered\n with or used the Platform or Services prior to the effective date of these Terms and Conditions (May 01,\n 2025).<\/p>\n <div class=\"gap\"><\/div>\n <p>52.2 Notification of Changes<\/p>\n <div class=\"gap\"><\/div>\n <p>52.2.1 The Company shall notify Existing Customers of any amendments to these Terms and Conditions,\n including the effective date, via:<\/p>\n <p>a. Social Media Open Announcement, Facebook Page, Instagram Page, Whatsapp Manue ect., by the User;<\/p>\n <pre> b. Announcement on the Website (https:\/\/louisthai.com); or<\/pre>\n <pre> c. Pop-up notification upon login to the Platform.<\/pre>\n <p>52.2.2 Notifications shall include a summary of key changes and a link to the updated Terms and\n Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p>52.3 Transition Period<\/p>\n <div class=\"gap\"><\/div>\n <p>52.3.1 Existing Customers shall have a transition period of thirty (30) days from the date of\n notification to review and accept the updated Terms and Conditions. During this period:<\/p>\n <p>a. Existing Customers may continue using the Platform and Services under the previous Terms and\n Conditions (October 2024 Edition 2.0), unless they expressly accept the updated Terms and Conditions.<\/p>\n <p>b. Continued use of the Platform or Services after the transition period shall constitute acceptance of\n the updated Terms and Conditions.<\/p>\n <p>52.4 Existing Contracts<\/p>\n <div class=\"gap\"><\/div>\n <p>52.4.1 Any contracts, orders, or transactions (including instalment plans under Clause 4.14 entered into\n by Existing Customers under the previous Terms and Conditions shall remain governed by those terms until:\n <\/p>\n <p>a. The contract or transaction is fully performed; or<\/p>\n <p>b. The Existing Customer expressly agrees to apply the updated Terms and Conditions to such contracts or\n transactions.<\/p>\n <p>52.4.2 For clarity, new transactions initiated after 01 May 2025 shall be governed by these Terms and\n Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p>52.5 Data Protection Compliance<\/p>\n <div class=\"gap\"><\/div>\n <p>52.5.1 Changes to data processing or cross-border data transfer policies (as per Clause 43) shall be\n separately notified to Existing Customers in accordance with the Personal Data Protection Act 2010 (PDPA).\n <\/p>\n <div class=\"gap\"><\/div>\n <p>52.5.2 Existing Customers may exercise their rights to restrict data storage to Malaysia servers (Clause\n 43.3) during the transition period.<\/p>\n <div class=\"gap\"><\/div>\n <p>52.6 Dispute Resolution for Transition<\/p>\n <div class=\"gap\"><\/div>\n <p>52.6.1 Any disputes arising from the transition to these Terms and Conditions shall be resolved in\n accordance with Clause 20 (Governing Law and Dispute Resolution), with mediation attempted prior to\n arbitration at the Asian International Arbitration Centre (AIAC).<\/p>\n <div class=\"gap\"><\/div>\n <p>52.7 Contact for Clarifications<\/p>\n <div class=\"gap\"><\/div>\n <p>52.7.1 Existing Customers may contact the Company at support@louisthai.com or louisthaiofficial@gmail.com\n for clarifications regarding the updated Terms and Conditions or this transition process.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-17\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 17<\/h2>\n <div class=\"section-sub\">INSPECTION AND INVESTIGATION UNIT (IICU)<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>INSPECTION AND INVESTIGATION UNIT (IICU)<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-17-53\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 53 | OPERATION OF THE IICU TASK FORCE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>53.1 Purpose of the IICU<\/p>\n <p>The Inspection and Investigation of Case Unit (IICU) Task Force is established by the Company to enhance\n service quality, ensure compliance with company regulations, and safeguard User rights through case\n investigations, feedback collection, and service standard monitoring.<\/p>\n <div class=\"gap\"><\/div>\n <p>53.2 Scope of IICU Activities<\/p>\n <pre> The IICU may conduct the following activities:<\/pre>\n <p>53.2.1 Inspection and investigation of cases to ensure compliance with these Terms and Conditions;<\/p>\n <div class=\"gap\"><\/div>\n <p>53.2.1.1 Feedback Collect<\/p>\n <p>Collection of User feedback via phone calls, online surveys, or face-to-face interviews;<\/p>\n <p>53.2.1.2 Monitoring and improvement<\/p>\n <p>Monitoring and improvement of service standards to ensure fair and high-quality User experiences.<\/p>\n <p>53.3 User Cooperation<\/p>\n <p>Users are encouraged to cooperate with IICU representatives by providing accurate and timely feedback\n when contacted. Cooperation is voluntary, and Users may decline to participate without affecting their\n access to Services, subject to Clause 48.4.<\/p>\n <p>53.4 Consequences of Non-Cooperation<\/p>\n <div class=\"gap\"><\/div>\n <p>53.4.1 Failure to cooperate with IICU investigations may limit the Company's ability to resolve\n specific cases (e.g., complaints under Clause 3.5) or verify information (e.g., debt recovery under Clause\n 39). <\/p>\n <div class=\"gap\"><\/div>\n <p>53.4.2 The Company reserves the right to take appropriate actions, including service suspension, in\n accordance with these Terms and Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p>53.5 Data Protection<\/p>\n <div class=\"gap\"><\/div>\n <p>53.5.1 All data collected during IICU activities shall be processed in compliance with the Personal Data\n Protection Act 2010 (PDPA). <\/p>\n <div class=\"gap\"><\/div>\n <p>53.5.2 Users will be notified of data collection purposes and may exercise their rights under Clause 43.4\n (User Rights) to access or correct their data.<\/p>\n <div class=\"gap\"><\/div>\n <p>53.6 Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>53.6.1 Any disputes arising from IICU activities shall be resolved in accordance with Clause 20\n (Governing Law and Dispute Resolution) through mediation and arbitration at the Asian International\n Arbitration Centre (AIAC).<\/p>\n <div class=\"gap\"><\/div>\n <p>53.7 Contact for Clarifications<\/p>\n <div class=\"gap\"><\/div>\n <p>53.7.1 Users may contact the Company at support@louisthai.com for inquiries regarding IICU activities or\n to provide feedback.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-18\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 18<\/h2>\n <div class=\"section-sub\">ARTIFICIAL INTELLIGENCE USE<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>ARTIFICIAL INTELLIGENCE USE<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-18-54\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 54 | AI OPERATIONS AND DATA PROCESSING<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>54.1 Purpose of AI Use<\/p>\n <div class=\"gap\"><\/div>\n <p>54.1.1 The Company may employ Artificial Intelligence (AI) technologies to enhance service delivery,\n including but not limited to customer support, data analysis, personalized recommendations, and\n operational efficiency, in compliance with applicable laws.<\/p>\n <div class=\"gap\"><\/div>\n <p>54.2 Scope of AI Activities<\/p>\n <pre> AI may be used for:<\/pre>\n <p>a. Automating customer interactions (e.g., chatbots for inquiries at support@louisthai.com);<\/p>\n <p>b. Analyzing User data to improve services (e.g., purchase patterns, ritual preferences);<\/p>\n <p>c. Supporting case investigations under Clause 48 (IICU);<\/p>\n <p>d. Assisting in credit risk assessments under Clause 39 (Credit Reporting and CTOS Services).<\/p>\n <p>54.3 Data Protection and Transparency<\/p>\n <div class=\"gap\"><\/div>\n <p>54.3.1 All AI data processing shall comply with the Personal Data Protection Act 2010 (PDPA). Users will\n be notified of AI use in data processing, and may exercise rights under Clause 43.4 (User Rights) to\n access, correct, or restrict data processing.<\/p>\n <div class=\"gap\"><\/div>\n <p>54.4 User Consent and Opt-Out<\/p>\n <div class=\"gap\"><\/div>\n <p>54.4.1 By using the Platform or Services, Users consent to AI data processing as described in this\n Clause. <\/p>\n <div class=\"gap\"><\/div>\n <p>54.4.2 Users may opt out of non-essential AI features (e.g., personalized recommendations) by contacting\n support@louisthai.com, subject to service limitations.<\/p>\n <div class=\"gap\"><\/div>\n <p>54.5 AI Decision-Making<\/p>\n <div class=\"gap\"><\/div>\n <p>54.5.1 AI-based decisions affecting Users (e.g., credit assessments) shall be transparent, with human\n oversight. <\/p>\n <div class=\"gap\"><\/div>\n <p>54.5.2 Users may request explanations of AI decisions via s1.<\/p>\n <div class=\"gap\"><\/div>\n <p>54.6 Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>54.6.1 Any disputes arising from AI use shall be resolved in accordance with Clause 20 (Governing Law and\n Dispute Resolution) through mediation and arbitration at the Asian International Arbitration Centre\n (AIAC).<\/p>\n <div class=\"gap\"><\/div>\n <p>54.7 Contact for Clarifications<\/p>\n <div class=\"gap\"><\/div>\n <p>54.7.1 Users may contact the Company at support@louisthai.com for inquiries regarding AI use or data\n processing.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-19\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 19<\/h2>\n <div class=\"section-sub\">WEBAPP USE AND TRANSACTIONS<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>WEBAPP USE AND TRANSACTIONS<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-19-55\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 55 | WEBAPP OPERATIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>55.1 Purpose of the Webapp<\/p>\n <p>The Company's Webapp, accessible via https:\/\/louisthai.com or related platforms, provides online\n services, including but not limited to ritual bookings, product purchases, customer support, and account\n management.<\/p>\n <p>55.2 Scope of Webapp Activities<\/p>\n <pre> The Webapp may facilitate:<\/pre>\n <p>a. Booking of Services (e.g., Witthi rituals under Clause 3.2.17);<\/p>\n <p>b. Purchase of Products (e.g., talismans under MSIC 46909);<\/p>\n <pre> c. Customer interactions via AI chatbots or support channels;<\/pre>\n <p>d. User account management and data processing.<\/p>\n <p>55.3 User Obligations<\/p>\n <p>Users shall:<\/p>\n <p>a. Provide accurate information for Webapp registration and transactions;<\/p>\n <p>b. Comply with these Terms and Conditions, including Clause 30 (Zero Tolerance Policy);<\/p>\n <p>c. Safeguard login credentials and report unauthorized access to support@louisthai.com.<\/p>\n <p>55.4 Data Protection<\/p>\n <div class=\"gap\"><\/div>\n <p>55.4.1 All data collected via the Webapp shall comply with the Personal Data Protection Act 2010 (PDPA).\n <\/p>\n <div class=\"gap\"><\/div>\n <p>55.4.2 Data shall be secured using 256-bit encryption, and Users may exercise rights under Clause 43.4\n (User Rights).<\/p>\n <div class=\"gap\"><\/div>\n <p>55.5 Electronic Transactions<\/p>\n <p>Orders and acceptances via the Webapp constitute valid contracts under the Electronic Commerce Act 2006.\n Transaction terms shall align with Clause 25 (Offer and Acceptance of the Service) and Clause 27\n (Exclusive Refund).<\/p>\n <p>55.6 Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>55.6.1 Any disputes arising from Webapp use shall be resolved in accordance with Clause 20 (Governing Law\n and Dispute Resolution) through mediation and arbitration at the Asian International Arbitration Centre\n (AIAC).<\/p>\n <div class=\"gap\"><\/div>\n <p>55.7 Contact for Clarifications<\/p>\n <p>Users may contact the Company at support@louisthai.com for inquiries regarding Webapp use or\n transactions.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-20\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 20<\/h2>\n <div class=\"section-sub\">CREDIT E-CARD PROGRAM<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>CREDIT E-CARD PROGRAM<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-20-56\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 56 | CREDIT E-CARD ISSUANCE AND PURPOSE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>56.1 Definition<\/p>\n <p>The "Credit e-Card" is an electronic voucher issued exclusively by Louis Thai International\n Group Sdn Bhd ("LOUIS THAI", "We", "Us", or "Our") to eligible\n Users, providing a monetary credit that can be applied as a discount toward the purchase of eligible\n Products or Services on the Platform (https:\/\/louisthai.com). The Credit e-Card is not for sale and is\n issued solely at the Company's discretion.<\/p>\n <div class=\"gap\"><\/div>\n <p>56.2 Issuance Conditions<\/p>\n <p>a. Credit e-Cards may be issued as part of promotional activities, compensation for service disruptions\n (e.g., delays under Clause 26), or goodwill gestures (e.g., apologies for errors), as determined by LOUIS\n THAI.<\/p>\n <p>b. The credit amount and validity period will be specified at issuance and communicated via email or the\n User's registered account on the Platform.<\/p>\n <p>c. Issuance is governed by the Consumer Protection Act 1999 to ensure fairness and transparency.<\/p>\n <p>56.3 Eligibility<\/p>\n <p>a. Only registered Users aged 18 or above with a verified account are eligible to receive a Credit\n e-Card.<\/p>\n <p>b. Credit e-Cards are non-transferable, non-exchangeable, and may not be purchased, sold, or used by\n third parties.<\/p>\n <p>56.4 Credit Allocation<\/p>\n <p>a. The credit value (e.g., RM 100 for Product\/Service A) will be determined based on the context of\n issuance (e.g., compensation amount) and will be clearly stated on the e-Card.<\/p>\n <p>b. Credits are applied as a discount at checkout and cannot exceed the total purchase amount; no cash\n refunds or change will be provided for unused credit.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-20-57\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 57 | USAGE OF CREDIT E-CARD<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>57.1 Redemption Process<\/p>\n <p>a. Users must redeem the Credit e-Card by entering the unique e-Card code during the checkout process on\n the Platform.<\/p>\n <p>b. The discount will be reflected instantly, reducing the payable amount (e.g., RM 100 for\n Product\/Service A may be discounted to RM 0 if the full credit is applied).<\/p>\n <p>57.2 Eligible Products and Services<\/p>\n <p>a. Credit e-Cards are valid only for eligible Products (e.g., talismans under MSIC 46909) and Services\n (e.g., fortune-telling under MSIC 96092) as designated by LOUIS THAI and listed on the Platform.<\/p>\n <p>b. Credits cannot be combined with other discounts, promotions, or Free-Of-Charge (FOC) offers (Clause\n 35) unless explicitly permitted.<\/p>\n <p>57.3 Expiration and Forfeiture<\/p>\n <p>a. Credit e-Cards expire on the date specified at issuance (e.g., 30 days from issuance), after which any\n remaining credit will be forfeited.<\/p>\n <p>b. LOUIS THAI is not liable for unused credits due to expiration or User negligence, except in cases of\n Company error.<\/p>\n <p>57.4 Limitations<\/p>\n <p>a. Each Credit e-Card is valid for a single transaction unless otherwise specified.<\/p>\n <p>b. In case of returns or cancellations, the credit will be reinstated to the e-Card only if the original\n purchase was made using the e-Card, subject to Clause 34 (Refund Policy).<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-20-58\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 58 | MANAGEMENT AND TERMINATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>58.1 Account Management<\/p>\n <p>a. Users are responsible for safeguarding their Credit e-Card code. LOUIS THAI will not reissue lost,\n stolen, or misused codes.<\/p>\n <p>b. Any misuse (e.g., unauthorized sharing or fraudulent use) may result in cancellation of the e-Card and\n potential account suspension under Clause 30 (Zero Tolerance Policy).<\/p>\n <p>58.2 Termination or Modification by Company<\/p>\n <p>a. LOUIS THAI reserves the right to cancel, modify, or terminate the Credit e-Card Program, including\n individual e-Cards, with 14 days' prior notice via the Platform or email, in compliance with the\n Consumer Protection Act 1999.<\/p>\n <p>b. Modifications may include changes to credit validity or redemption terms, and Users will be notified\n of material changes.<\/p>\n <p>58.3 Transition of Credits<\/p>\n <p>a. Upon Program termination, Users may redeem existing credits within 30 days of the announcement,\n subject to availability of eligible Products or Services.<\/p>\n <p>58.4 Dispute Resolution<\/p>\n <p>a. Disputes related to Credit e-Cards will be resolved under Clause 45 (Applicable Law and Conflict\n Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per\n the Arbitration Act 2005.<\/p>\n <p>58.5 Liability<\/p>\n <p>LOUIS THAI shall not be liable for technical issues (e.g., Platform errors) preventing e-Card use, except\n in cases of gross negligence, as governed by applicable Malaysian laws.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-21\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 21<\/h2>\n <div class=\"section-sub\">GOODVIEW COMPENSATION POLICY: COMPENSATION AND ASSISTANCE FOR DENIED SERVICES,\n CANCELLATION, OR LONG DELAY POLICY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>GOODVIEW COMPENSATION POLICY: COMPENSATION AND ASSISTANCE FOR DENIED SERVICES, CANCELLATION, OR LONG DELAY\n POLICY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-21-59\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 59 | ELIGIBILITY AND SCOPE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>59.1 Purpose<\/p>\n <p>Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") provides compensation and assistance to Users affected by denied Services, cancellations,\n or long delays under the GoodView Compensation Policy, ensuring fair treatment in compliance with the\n Consumer Protection Act 1999. This policy upholds the values of Your time, trust, and destiny by offering\n structured compensation for delays in inquiries (pre-payment) and Service delivery (post-payment).<\/p>\n <div class=\"gap\"><\/div>\n <p>59.2 Response and Service Standards<\/p>\n <p>a. All new private message (PM) inquiries or initial User contacts via the Platform, email, WhatsApp, or\n other designated channels must be responded to within 48 hours.<\/p>\n <p>b. Services must be delivered within 12 hours after full payment is confirmed, unless otherwise specified\n in the booking confirmation or affected by force majeure (Clause 25).<\/p>\n <p>c. Delays are measured from the time of inquiry submission or payment confirmation, excluding\n non-business hours (e.g., weekends, public holidays in Malaysia).<\/p>\n <div class=\"gap\"><\/div>\n <p>59.3 Eligible Scenarios<\/p>\n <p>Compensation applies to the following, provided they are caused by LOUIS THAI or its affiliates:<\/p>\n <p>a. Denied Services: Refusal of booked Services (e.g., fortune-telling or rituals under MSIC 96092) due to\n reasons listed in Clause 32.3 (e.g., overbooking, staff unavailability).<\/p>\n <p>b. Cancellation: LOUIS THAI-initiated cancellation of Services or Product orders (e.g., talismans under\n MSIC 46909) due to operational issues, regulatory restrictions, or force majeure (Clause 25).<\/p>\n <p>c. Long Delay:<\/p>\n <p>i. Pre-Payment Inquiry Delays (e.g., delayed responses to new PM inquiries): Compensation in the form of\n discounts on future purchases.<\/p>\n <div class=\"gap\"><\/div>\n <p>ii. Post-Payment Service Delays (e.g., rituals or blessings delayed beyond the standards in 50.2(b)):\n Compensation in the form of e-Credits.<\/p>\n <div class=\"gap\"><\/div>\n <p>iii. Product deliveries delayed beyond 30 days from the estimated delivery date (Clause 26.4).<\/p>\n <div class=\"gap\"><\/div>\n <p>59.4 Eligibility Criteria<\/p>\n <p>a. Users must have a verified account, be aged 18 or above (Clause 2.1), and provide proof of the delay\n (e.g., timestamps from the Platform).<\/p>\n <p>b. Exclusions: Users banned under Clause 30 (Zero Tolerance Policy), involved in fraudulent activities,\n or responsible for the delay\/cancellation (e.g., providing incorrect details). Compensation does not apply\n to outcomes subject to individual circumstances (Clause 3.4).<\/p>\n <div class=\"gap\"><\/div>\n <p>59.5 Non-Eligible Scenarios<\/p>\n <p>a. Delays or cancellations due to User error or failure to comply with these Terms.<\/p>\n <p>b. Events covered by force majeure (Clause 25) unless LOUIS THAI opts to provide discretionary\n compensation.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-21-60\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 60 | COMPENSATION PROCESS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>60.1 Compensation Mechanism for Pre-Payment Inquiry Delays<\/p>\n <p>(a) If the response to a new inquiry exceeds 48 hours:<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>Category A<\/strong> Delay Hours before respond of new enquire; Ref.<\/p>\n <p>Discount % on the quoted Service\/Product<\/p>\n <pre>(i) Starting on 13 hours late \u2192 10% Discounts<\/pre>\n <pre>(ii) 14 hours between 24 hours late \u2192 15% Discounts<\/pre>\n <pre>(iii) 25 hours between 48 hours late \u2192 25% Discounts<\/pre>\n <pre>(iv) 49 hours between 72 hours late \u2192 35% Discounts<\/pre>\n <pre>(vi) More than >72 hours and above late \u2192 50% Discounts<\/pre>\n <div class=\"gap\"><\/div>\n <p>(b) Discounts are applied via <strong>Discount Codes<\/strong> or <strong>Direct Fee Deduction<\/strong> at\n the time of purchase and cannot be combined with other promotions or FOC offers (Clause 35).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.2 Compensation Mechanism for Post-Payment Service Delays<\/strong><\/p>\n <p>(a) If Service delivery <strong>exceeds 24 hours after payment<\/strong>:<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>Category B<\/strong> Delay Hours after Payment Ref.<\/p>\n <p>Discount % on the quoted Service\/Product<\/p>\n <pre>(i) 24 hours late \u2192 10% e-Credit<\/pre>\n <pre>(ii) 48 hours late \u2192 15% e-Credit<\/pre>\n <pre>(iii) 72 hours late \u2192 25% e-Credit<\/pre>\n <pre>(iv) 72 hours late \u2192 35% e-Credit<\/pre>\n <pre>(v) 96 hours late \u2192 50% e-Credit<\/pre>\n <div class=\"gap\"><\/div>\n <p>(b) e-Credits are issued as Credit e-Cards (Clause 52), redeemable for future Services\/Products, and\n expire after 12 months. They cannot be exchanged for cash unless mandated by law.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.3 Claim Procedure<\/strong><\/p>\n <p>(a) Users must file a claim within 48 hours after being notified of a delay (or becoming aware of it) via\n email (support@louisthai.com), the Platform, WhatsApp, or Facebook Messenger, providing:<\/p>\n <p>(i) Booking\/inquiry reference.<\/p>\n <p>(ii) Proof of delay (e.g., timestamps, payment receipt).<\/p>\n <p>(iii) Description of the impact.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Failure to claim within 48 hours may disqualify the User from compensation.<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Compensation will be provided through Discount Codes, Direct Fee Deduction, Free Service Upgrade\n (e.g., priority rescheduling), or e-Credit, at LOUIS THAI's discretion.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.4 Step 2: Assessment by LOUIS THAI<\/strong><\/p>\n <p>(a) LOUIS THAI will acknowledge the claim within 24 hours and assign it to the Inspection and\n Investigation Unit (IICU, Article 17).<\/p>\n <p>(b) The IICU will investigate and determine eligibility within 5 working days, considering the cause and\n impact.<\/p>\n <p>(c) Users will be notified of the outcome via email or the Platform.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.5 Step 3: Delivery of Compensation<\/strong><\/p>\n <p>(a) Approved compensation will be issued within 7 working days (e.g., e-Credits to the User's\n account).<\/p>\n <p>(b) All compensation is final and non-negotiable, subject to Clause 45 (Dispute Resolution). Cash refunds\n are not available unless required by the Consumer Protection Act 1999 (cross-reference Clause 34).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>60.6 Limitations<\/strong><\/p>\n <p>(a) Compensation does not cover indirect losses (e.g., emotional distress beyond optional support in\n Clause 57).<\/p>\n <p>(b) Only one compensation type per incident; repeated claims may lead to review under Clause 30.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-21-61\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 61 | ASSISTANCE AND DISPUTE RESOLUTION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>61.1 Assistance Process<\/p>\n <p>a. LOUIS THAI will provide ongoing support, including:<\/p>\n <p>i. Status updates within 24 hours of a reported issue.<\/p>\n <p>ii. Guidance on rescheduling or alternative options via support@louisthai.com.<\/p>\n <p>b. The IICU may contact Users for additional information (Article 17), with<\/p>\n <p>cooperation encouraged but voluntary (Clause 48.3).<\/p>\n <div class=\"gap\"><\/div>\n <p>61.2 User Responsibilities<\/p>\n <p>a. Users must provide accurate and timely information to facilitate<\/p>\n <pre> investigations.<\/pre>\n <p>b. Non-cooperation may result in delayed or denied compensation, as per<\/p>\n <pre> Clause 48.4.<\/pre>\n <div class=\"gap\"><\/div>\n <p>61.3 Data Protection<\/p>\n <p>a. All personal data collected during the compensation process will be<\/p>\n <p>processed in compliance with the Personal Data Protection Act 2010 (PDPA).<\/p>\n <p>b. Users may exercise rights to access, correct, or delete data under Clause<\/p>\n <p>61.4. by contacting support@louisthai.com.<\/p>\n <div class=\"gap\"><\/div>\n <p>61.4 Dispute Resolution<\/p>\n <p>a. Disputes regarding compensation eligibility or delivery will be resolved<\/p>\n <p>under Clause 45, involving:<\/p>\n <p>i. Mediation in Kuala Lumpur within 30 days of a written request.<\/p>\n <p>ii. Arbitration at the Asian International Arbitration Centre (AIAC) per the<\/p>\n <p>iii. Arbitration Act 2005 if mediation fails.<\/p>\n <pre> b. The losing party bears all costs, as per Clause 45.5.<\/pre>\n <div class=\"gap\"><\/div>\n <p>61.5 Liability<\/p>\n <p>a. LOUIS THAI is not liable for consequential damages arising from denied<\/p>\n <p>Services, cancellations, or delays, except as required by the Consumer<\/p>\n <p>Protection Act 1999.<\/p>\n <p>b. Technical issues (e.g., Platform errors) preventing compensation delivery<\/p>\n <p>are not compensable unless caused by gross negligence.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <details class=\"clause\" id=\"clause-21-62\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 62 | RIGHT TO CARE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>62.1 Purpose<\/p>\n <p>LOUIS THAI is committed to ensuring Users affected by denied Services, cancellations, or long delays\n receive compassionate and prioritized care to mitigate inconvenience and maintain trust, in alignment with\n the Consumer Protection Act 1999.<\/p>\n <p>62.2 Care Entitlements<\/p>\n <p>Eligible Users (as per Clause 34.3) will receive:<\/p>\n <p>a. Personalized Communication: A dedicated support representative will contact the User within 24 hours\n of notification (Clause 35.1) to offer apologies, explain the issue, and outline compensation options.<\/p>\n <p>b. Priority Handling: Compensation claims will be prioritized over non-urgent inquiries, with expedited\n IICU review within 3 working days (instead of 5).<\/p>\n <p>c. Emotional Support Option: For Service-related issues (e.g., delayed rituals), Users may request a\n complimentary 15-minute consultation with a spiritual advisor to address emotional distress, subject to\n availability.<\/p>\n <div class=\"gap\"><\/div>\n <p>62.3 Request Process<\/p>\n <p>a. Users may request Right to Care services when submitting their notification (Clause 35.1) by\n indicating their preference (e.g., "Request emotional support").<\/p>\n <p>b. Requests will be acknowledged within 24 hours, with care services arranged within 5 working days.<\/p>\n <div class=\"gap\"><\/div>\n <p>62.4 Limitations<\/p>\n <p>a. Right to Care services are discretionary and do not constitute a legal obligation unless required by\n the Consumer Protection Act 1999.<\/p>\n <p>b. Emotional support consultations are limited to one per incident and cannot be exchanged for monetary\n compensation.<\/p>\n <p>c. Users abusing this entitlement (e.g., repeated unfounded requests) may be excluded under Clause 30.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>62.5 Data Protection<\/p>\n <p>a. Personal data collected for Right to Care services (e.g., consultation notes) will be processed per\n the Personal Data Protection Act 2010, with confidentiality assured except where legally required (Clause\n 43).<\/p>\n <div class=\"gap\"><\/div>\n <p>62.6 Disputes<\/p>\n <p>a. Disputes regarding Right to Care services will follow Clause 45 (Dispute Resolution), with mediation\n and arbitration as needed.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-22\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 22<\/h2>\n <div class=\"section-sub\">ANTI-CORRUPTION AND PAYMENT POLICY<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>ANTI-CORRUPTION AND PAYMENT POLICY<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-22-63\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 63 | PAYMENT METHOD RESTRICTIONS AND ANTI-CORRUPTION MEASURES<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>63.1 Purpose<\/p>\n <p>Louis Thai International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") is committed to upholding the highest standards of integrity, transparency, and\n compliance with anti-corruption laws. To enhance financial security, operational efficiency, and prevent\n bribery and corruption among its management and staff, LOUIS THAI shall no longer accept cash, cheques, or\n any form of offline payment, effective immediately as of 08:32 PM +08, May 20, 2025. This policy reflects\n the high-level commitment of LOUIS THAI's senior management to foster an ethical business\n environment, aligning with the Malaysian Anti-Corruption Commission Act 2009 (MACC Act 2009) and the\n Anti-Corruption Act 2018.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.2 Payment Restrictions<\/p>\n <div class=\"gap\"><\/div>\n <p>63.2.1 All transactions for Products (as defined in Article 1) and Services (as defined in Article 1)\n must be conducted through approved online payment methods, including but not limited to bank card\n payments, electronic fund transfers, and the Company's Webapp (https:\/\/louisthai.com) as outlined in\n Article 19, Clause 50.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.2.2 The Company reserves the right to update the list of approved payment methods with prior notice\n via the Website (https:\/\/louisthai.com) or email, in accordance with Clause 23, Section 19.1.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.2.3 Any attempt to use cash, cheques, or offline payment methods after the effective date will be\n deemed invalid, and the Company shall not be obligated to process such transactions.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3 Anti-Corruption Rationale and Control Measures<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3.1 The elimination of cash and offline payments is implemented to mitigate the risk of bribery,\n kickbacks, and corrupt practices between LOUIS THAI's management, staff, and third parties, including\n clients and suppliers. This decision is based on a risk assessment conducted by the Company, identifying\n cash transactions as a vulnerability for financial misconduct.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3.2 Control measures include the adoption of digitized payment systems with end-to-end encryption,\n real-time transaction monitoring, and mandatory online payment verification, all compliant with the\n Personal Data Protection Act 2010 (PDPA).<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3.3 This measure aligns with the Malaysian Anti-Corruption Commission Act 2009 and the Anti-Corruption\n Act 2018, and supports the Company's Zero Tolerance Policy under Article 11, Clause 30.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.3.4 All payment records will be subject to systematic audits conducted quarterly by an independent\n internal team to ensure compliance and detect irregularities.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4 Supervision and Enforcement<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4.1 The Company's Inspection and Investigation Unit (IICU, Article 17) will oversee the\n implementation of this policy, with authority to investigate any suspected breaches of payment\n restrictions or corrupt practices.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4.2 Supervision and enforcement will involve regular reviews of payment data, collaboration with\n external auditors, and reporting of violations to the Malaysian Anti-Corruption Commission (MACC) where\n necessary, in accordance with the MACC Act 2009.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4.3 Users (as defined in Article 1) agree to comply with this payment restriction and provide accurate\n payment details through approved channels.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.4.4 Non-compliance with this Clause may result in transaction cancellation, service suspension, or\n reporting to relevant authorities, as per Clause 30 (Zero Tolerance Policy).<\/p>\n <div class=\"gap\"><\/div>\n <p>63.5 Training and Communication<\/p>\n <div class=\"gap\"><\/div>\n <p>63.5.1 LOUIS THAI will conduct training and communication sessions for all staff and management to ensure\n understanding and adherence to this anti-corruption policy and payment restrictions. Training will cover\n anti-bribery laws, digital payment procedures, and ethical conduct, commencing within 30 days of the\n effective date (by June 19, 2025).<\/p>\n <div class=\"gap\"><\/div>\n <p>63.5.2 Users will be informed through training and communication via email, the Website\n (https:\/\/louisthai.com), and a pop-up notification upon login, effective May 20, 2025.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.6 A transition period of 30 days from the effective date (until June 19, 2025) is provided for users\n to adapt to online payment methods. During this period, the Company may, at its discretion, process\n pending offline payments received prior to May 20, 2025, subject to verification.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.7 Limitation of Liability<\/p>\n <div class=\"gap\"><\/div>\n <p>63.7.1 LOUIS THAI shall not be liable for any inconvenience, loss, or damages arising from the rejection\n of cash or offline payments, except in cases of gross negligence, as governed by the Consumer Protection\n Act 1999.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.7.2 The Company is not responsible for technical issues with online payment platforms, unless caused\n by its own misconduct.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.8 Dispute Resolution<\/p>\n <div class=\"gap\"><\/div>\n <p>63.8.1 Any disputes arising from this Clause shall be resolved in accordance with Article 16, Clause 45,\n through mediation and arbitration at the Asian International Arbitration Centre (AIAC) per the Arbitration\n Act 2005.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.8.2 Users may contact support@louisthai.com for clarifications or to report issues related to payment\n restrictions.<\/p>\n <div class=\"gap\"><\/div>\n <p>63.9 Compliance with Law<\/p>\n <div class=\"gap\"><\/div>\n <p>63.9.1 This Clause is enforced in accordance with the Malaysian Anti-Corruption Commission Act 2009, the\n Anti-Corruption Act 2018, and other applicable Malaysian laws. In the event of a conflict between this\n Clause and legal requirements, the latter shall prevail, and LOUIS THAI will adjust its practices\n accordingly.<\/p>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-23\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 23<\/h2>\n <div class=\"section-sub\">ARTICLE 23<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>Digital Certificate Installation Consent & Network Usage Agreement<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-23-64\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 64 | CONSENT TO DIGITAL CERTIFICATE INSTALLATION<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>64.1 Purpose and Scope<\/p>\n <div class=\"gap\"><\/div>\n <p>a. LOUIS THAI International Group Sdn Bhd ("LOUIS THAI", "We", "Us", or\n "Our") requires certain users of Our network services to install a Digital Certificate issued by\n a Certificate Authority (CA) ("Digital Certificate") to enable enhanced security monitoring,\n lawful content filtering, and network management.<\/p>\n <div class=\"gap\"><\/div>\n <p>b. This Article applies to all Employees, Clients, and Visitors who use the Company's wired or\n wireless network services ("Company Network Services").<\/p>\n <div class=\"gap\"><\/div>\n <p>c. By using Company Network Services, You acknowledge and agree to the terms of this Article.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2 Consent to Digital Certificate Installation<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2.1 You understand that to access certain Company Network Services securely, You may be requested to\n voluntarily install a Digital Certificate on Your Device.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2.2 Installation of the Digital Certificate is voluntary, and You may refuse to install it; however,\n certain services (such as full HTTPS inspection, advanced content filtering) may be unavailable without\n installation.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2.3 Prior to installation, We will provide You with clear notice regarding:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. The purpose of the Digital Certificate<\/p>\n <div class=\"gap\"><\/div>\n <p>b. The type of data it may process<\/p>\n <div class=\"gap\"><\/div>\n <p>c. How it will be used and stored<\/p>\n <div class=\"gap\"><\/div>\n <p>64.2.4 By proceeding with installation, You expressly consent to:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. The installation of the Digital Certificate on Your Device<\/p>\n <div class=\"gap\"><\/div>\n <p>b. The monitoring and management of network traffic in accordance with this Article<\/p>\n <div class=\"gap\"><\/div>\n <p>c. The processing of Your data as outlined herein, in compliance with the Personal Data Protection Act\n 2010 (PDPA).<\/p>\n <div class=\"gap\"><\/div>\n <p>64.3 Network Usage Policy<\/p>\n <div class=\"gap\"><\/div>\n <p>64.3.1 You agree to use Company Network Services only for lawful purposes and in compliance with all\n applicable Malaysian laws, including but not limited to:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. Personal Data Protection Act 2010 (PDPA)<\/p>\n <div class=\"gap\"><\/div>\n <p>b. Communications and Multimedia Act 1998<\/p>\n <div class=\"gap\"><\/div>\n <p>c. Consumer Protection Act 1999<\/p>\n <div class=\"gap\"><\/div>\n <p>64.3.2 Prohibited activities include, but are not limited to:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. Attempting to bypass network security or filtering systems<\/p>\n <div class=\"gap\"><\/div>\n <p>b. Engaging in illegal activities such as hacking, piracy, or unauthorized access<\/p>\n <div class=\"gap\"><\/div>\n <p>c. Disseminating malicious software or spam<\/p>\n <div class=\"gap\"><\/div>\n <p>d. Conducting activities that may harm the integrity or availability of the Company's network or\n systems<\/p>\n <div class=\"gap\"><\/div>\n <p>64.3.3 LOUIS THAI reserves the right to monitor network traffic to ensure compliance with this Clause.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>64.4 Security and Privacy Commitment<\/p>\n <div class=\"gap\"><\/div>\n <p>64.4.1 The Digital Certificate will be used solely for security, lawful filtering, and operational\n management purposes.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.4.2 No personal data unrelated to network security or operational requirements will be collected or\n used beyond what is necessary to maintain a secure network environment.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.4.3 All monitoring and data handling shall be conducted in full compliance with the PDPA and\n applicable laws.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.4.4 The Company shall implement appropriate technical and organizational measures to protect the\n confidentiality, integrity, and availability of data processed via the Digital Certificate.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.5 Limitations of Liability<\/p>\n <div class=\"gap\"><\/div>\n <p>64.5.1 LOUIS THAI shall not be liable for any damages or losses arising from the voluntary installation\n or use of the Digital Certificate, except in cases of gross negligence or willful misconduct.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.5.2 You are solely responsible for ensuring that You have appropriate backups of Your Device prior to\n installing the Digital Certificate.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.5.3 If You choose not to install the Digital Certificate, You acknowledge that certain Company Network\n Services may not be fully available or functional.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.6 Revocation of Consent<\/p>\n <div class=\"gap\"><\/div>\n <p>64.6.1 You may revoke Your consent to the installation or continued use of the Digital Certificate at any\n time by submitting a written request to louisthai.digital@gmail.com<\/p>\n <div class=\"gap\"><\/div>\n <p>64.6.2 Upon receipt of Your request, LOUIS THAI will assist You in removing the Digital Certificate from\n Your Device.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.6.3 Revocation of consent may result in the limitation or termination of access to certain Company\n Network Services that require the Digital Certificate.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.7 Compliance with Laws<\/p>\n <div class=\"gap\"><\/div>\n <p>64.7.1 This Article shall be enforced in accordance with Malaysian laws, including but not limited to the\n Personal Data Protection Act 2010 (PDPA) and the Communications and Multimedia Act 1998.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.7.2 If any provision of this Article conflicts with applicable law, the latter shall prevail, and\n LOUIS THAI will adjust its practices accordingly.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8 Access to Agreement and Digital Signature<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8.1 You may access and download the full version of this Digital Certificate Installation Consent\n & Network Usage Agreement for Your records and reference.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8.2 To proceed with Your consent and to digitally sign this Agreement, please click the following URL:\n <\/p>\n <p>\ud83d\udd17 https:\/\/louisthai.com\/ca-consent-agreement (Insert actual URL as provided by Company IT team.)<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8.3 By clicking the URL and completing the digital signature process, You confirm that:<\/p>\n <div class=\"gap\"><\/div>\n <p>a. You have read and understood this Agreement in full.<\/p>\n <div class=\"gap\"><\/div>\n <p>b. You voluntarily consent to the terms and conditions stated herein.<\/p>\n <div class=\"gap\"><\/div>\n <p>c. Your digital signature shall have the same legal force and effect as a handwritten signature.<\/p>\n <div class=\"gap\"><\/div>\n <p>64.8.4 The Company reserves the right to update the online Agreement version from time to time. You are\n encouraged to review the latest version prior to consenting.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-24\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 24<\/h2>\n <div class=\"section-sub\">FAAG Agreement | Failure to Assimilate Advised Guidance Agreement<\/div>\n <\/div>\n\n <details class=\"clause\" id=\"article-24-overview\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">FAAG Agreement | Failure to Assimilate Advised Guidance Agreement<\/span>\n <\/summary>\n <div class=\"content\">\n <p><strong>FAAG Agreement (Failure to Assimilate Advised Guidance Agreement)<\/strong><\/p>\n <p>The Client hereby acknowledges and agrees that, in circumstances where the projected success probability\n of any consultation, ritual, prediction, advisory service, or spiritual guidance provided by LOUIS THAI\n International Group Sdn. Bhd. ("the Company") is assessed to be below fifty percent (50%), and\n the Client nevertheless elects to proceed with the Service, all resulting outcomes classified as\n "Failure to Assimilate Advised Guidance (FAAG)" shall remain solely and entirely the\n Client's responsibility.<\/p>\n <div class=\"gap\"><\/div>\n <p>FAAG refers to the Client's refusal, omission, inability, or failure-whether deliberate or\n unintended-to understand, adopt, comply with, or follow the guidance, instructions, remedial actions,\n timelines, behavioural adjustments, or preventive steps advised by the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p>Once the Client ticks, signs, agrees, or otherwise indicates acceptance of the FAAG Agreement (whether\n digitally or physically), no refund, reimbursement, damages, compensation, or remedy of any kind shall\n apply, notwithstanding any provision under the general Refund Policy of the Company.<\/p>\n <\/div>\n <\/details>\n\n\n <details class=\"clause\" id=\"clause-24-65\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 65 | FAILURE TO ASSIMILATE ADVISED GUIDANCE AGREEMENT (FAAG)<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>65.1 Definition<\/strong><\/p>\n <p>"Failure to Assimilate Advised Guidance (FAAG)" refers to the Client's failure, refusal,\n or omission to follow, implement, or reasonably attempt to implement the Company's advised steps,\n precautions, timing recommendations, behavioural adjustments, ritual follow-ups, or any form of\n post-consultation instructions.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>65.2 Client Acknowledgement Of Risk<\/strong><\/p>\n <p>The Client acknowledges that when the estimated success rate is below fifty percent (50%), the risk of\n failure is materially higher, and the Company shall not be held liable for any undesired outcome arising\n from the Client's informed decision to proceed.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>65.3 Assumption Of Responsibility<\/strong><\/p>\n <p>All consequences arising from FAAG are borne solely by the Client. The Company shall not be responsible\n for:<\/p>\n <pre> (a) lack of improvements,<\/pre>\n <pre> (b) delays in result manifestation,<\/pre>\n <pre> (c) worsening of circumstances due to Client's inaction,<\/pre>\n <pre> (d) the Client acting against advised timing or cautions,<\/pre>\n <pre> (e) external events caused by the Client's own behaviour or decisions.<\/pre>\n <div class=\"gap\"><\/div>\n <p><strong>65.4 Non-Refundability<\/strong><\/p>\n <p>Upon accepting the FAAG Agreement (including clicking acceptance digitally), the Client irrevocably\n agrees that:<\/p>\n <pre> (a) No refund shall be provided;<\/pre>\n <pre> (b) No free service replacement or goodwill compensation shall be issued;<\/pre>\n <pre> (c) No dispute or chargeback claim shall be entertained.<\/pre>\n <div class=\"gap\"><\/div>\n <p><strong>65.5 Legal Enforcability<\/strong><\/p>\n <p>\n <pre>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.<\/pre>\n <\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n <section class=\"section\" id=\"article-25\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 25<\/h2>\n <div class=\"section-sub\">ARTICLE 25<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>Private Sales and Exclusive Client Offers<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-25-66\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 66 | PRIVATE SALES AND EXCLUSIVE CLIENT OFFERS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>66.1 Definition Legal Enforceability<\/strong><\/p>\n <p>Private Sales refer to invitation-only, non-publicly advertised sales events, promotions, or service\n offerings made available solely to selected Clients of the Company ("Private Sales").<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.2 Eligibility<\/strong><\/p>\n <p>(a) Private Sales shall be granted only to Clients who meet internal criteria determined by the Company,\n including but not limited to loyalty status (as per Clause 28 of the Loyalty Program), historical\n purchases, or strategic considerations (e.g., long-term partnerships). <\/p>\n <p>(b) Eligibility decisions are at the Company's sole discretion and may involve processing of Your\n personal data in compliance with the Personal Data Protection Act 2010 (PDPA). <\/p>\n <p>(c) Invitations will be extended via the Platform (https:\/\/louisthai.com), email, or WhatsApp to Your\n registered contact details.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.3 Confidentiality<\/strong><\/p>\n <p>(a) All pricing, offers, discounts, and information provided under Private Sales are strictly\n confidential.<\/p>\n <p>(b) You shall not disclose such information to any third party without prior written consent from the\n Company.<\/p>\n <p>(c) Breach of confidentiality may result in immediate revocation of eligibility and actions under the\n Zero Tolerance Policy (Clause 30).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.4 Non-Transferabilit<\/strong><\/p>\n <p>Private Sales benefits, invitations, or pricing privileges may not be transferred, assigned, or traded to\n any other person or entity. Any attempt to do so will void the offer and may lead to account suspension.\n <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.5 No Guarantee Of Continuity<\/strong><\/p>\n <p>(a) The Company may modify, suspend, or terminate any Private Sales privilege at any time with or without\n notice.<\/p>\n <p>(b) Your eligibility may be revoked at the Company's sole discretion (e.g., due to policy changes or\n misuse).<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.6 Payment Terms<\/strong><\/p>\n <p>(a) Unless otherwise stated, all purchases under Private Sales follow the Company's standard payment\n terms as outlined in Clause 4 (You Agree and Confirm) and Clause 33 (Instalment Plan). <\/p>\n <p>(b) For international Clients, prices are subject to foreign exchange fees per Clause 4.13. <\/p>\n <p>(c) Private Sales may not be combined with other promotions, FOC offers (Clauses 24-25), or Credit\n e-Cards (Clause 52) unless explicitly permitted.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.7 No Refund For Exclusive Offers<\/strong><\/p>\n <p>(a) Private Sales items, once purchased or reserved, are strictly non-refundable, except where required\n by Malaysian law , including the Consumer Protection Act 1999 (CPA 1999).<\/p>\n <p>(b) This provision survives termination of Your account or the Private Sales program.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.8 Priority Access<\/strong><\/p>\n <p>(a) The Company may provide Private Sales Clients with early access to new services, products, or\n rituals, subject to availability. <\/p>\n <p>(b) Participation may earn Loyalty Points per Clause 28 of the Loyalty Program.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>66.9 Governing Law<\/strong><\/p>\n <p>This Article shall be governed by the laws of Malaysia, including the CPA 1999 and PDPA where applicable.\n Any disputes arising hereunder shall be resolved in accordance with Clause 45 (Applicable Law and Conflict\n Resolution), including mediation and arbitration at the Asian International Arbitration Centre (AIAC) per\n the Arbitration Act 2005.<\/p>\n <div class=\"gap\"><\/div>\n <p>Main Terms and Conditions Agreement 2025 Edition 2.0 ("MTCA 2025 EDI 2.0") (Formerly known as\n Client Terms and Conditions 2025 Edition 2.0 CTCA EDI 2.0<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n\n <\/section>\n\n\n <div class=\"footer\">\n <div>\u00a9 LOUIS THAI International Group Sdn. Bhd.<\/div>\n <div>Tip: Use filter to quickly find key terms.<\/div>\n <\/div>\n\n <section class=\"section\" id=\"article-26\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 26<\/h2>\n <div class=\"section-sub\">QR PAYMENT AGREEMENT<\/div>\n <\/div>\n\n <div class=\"card-body\">\n <p>QR PAYMENT AGREEMENT<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-26-1\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 67 | CASHLESS & QR CODE PAYMENT TERMS AND CONDITIONS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>This QR Payment Agreement (\u201cAgreement\u201d) governs the use of cashless and QR code\u2013based payment services\n offered by LOUIS THAI International Group Sdn. Bhd. (Company Registration No.: 202101033331 (1433631-V))\n (\u201cCompany\u201d, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d).<\/p>\n <div class=\"gap\"><\/div>\n <p>By scanning a QR code, authorising payment, or completing any QR-based transaction, you (\u201cCustomer\u201d,\n \u201cyou\u201d, or \u201cpayer\u201d) acknowledge that you have read, understood, and agreed to be legally bound by this\n Agreement, which forms an integral part of these Terms and Conditions.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.1 Definition of QR Payment<\/strong><\/p>\n <p>(a) \u201cQR Payment\u201d refers to any payment made through a Quick Response (QR) code using approved third-party\n cashless or electronic payment platforms, including but not limited to GrabPay, Touch \u2019n Go, Boost,\n ShopeePay, DuitNow QR, bank QR systems, or any other authorised payment channels accepted by the Company\n from time to time.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.2 Acceptance of Charges<\/strong><\/p>\n <p>By proceeding with a QR Payment, you expressly agree and confirm that you shall:<\/p>\n <p>(a) Pay the full amount displayed prior to payment confirmation, including all applicable service\n charges, taxes, administrative fees, and adjustments (if any); <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Accept the final transaction amount as shown on the invoice, receipt, or electronic transaction\n record; <\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Acknowledge that once a QR Payment is successfully authorised, the transaction shall be final,\n binding, and conclusive, unless otherwise required under applicable Malaysian law.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.3 Transaction Authorisation<\/strong><\/p>\n <p>(a) You represent, warrant, and confirm that:<\/p>\n <p>(i) You are the lawful and authorised user of the bank account, digital wallet, or payment facility used;\n <\/p>\n <p>(ii) You have sufficient balance, credit, or authorisation to complete the transaction; <\/p>\n <p>(iii) You expressly authorise the relevant payment provider to debit the stated amount on your behalf.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company shall not be responsible or liable for any failed, delayed, or rejected transactions\n arising from insufficient funds, technical failures, network disruptions, or third-party payment platform\n issues.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.4 No Signature Required<\/strong><\/p>\n <p>You acknowledge and agree that:<\/p>\n <p>(a) QR Payment authorisation constitutes valid electronic consent under Malaysian law;<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) No physical signature, handwritten confirmation, or additional verification is required once payment\n has been successfully completed;<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Electronic records, invoices, receipts, system logs, and transaction timestamps shall constitute\n conclusive and binding proof of payment.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.5 Refunds & Reversals<\/strong><\/p>\n <p>(a) Unless expressly stated otherwise in writing by the Company:<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) All QR Payments are non-refundable and non-reversible;<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Any refunds, if approved, shall be strictly subject to the Company\u2019s Refund Policy, Service Terms,\n Warranty Policy, or Compensation Policy, where applicable;<\/p>\n <div class=\"gap\"><\/div>\n <p>(d) All third-party processing fees, platform charges, banking fees, or currency conversion costs are\n strictly non-refundable.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.6 Disputes & Chargebacks<\/strong><\/p>\n <p>In the event of any payment dispute or claim:<\/p>\n <p>(a) You agree to first contact the Company directly to seek resolution;<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Any unauthorised chargeback initiated without prior communication may result in suspension of\n Services, refusal of future transactions, or other remedial action;<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) The Company reserves the right to disclose relevant transaction records, QR logs, timestamps,\n invoices, and supporting evidence to banks, payment providers, regulators, or authorities, where required.\n <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.7 Third-Party Payment Providers<\/strong><\/p>\n <p>You acknowledge and agree that:<\/p>\n <p>(a) QR Payments are processed via independent third-party payment providers, each governed by their own\n terms and conditions; <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company does not control, operate, or guarantee the availability, uptime, security, or processing\n speed of such platforms;<\/p>\n <div class=\"gap\"><\/div>\n <p>(c) Any disputes arising from third-party platform operations shall primarily be governed by the\n respective provider\u2019s policies, without prejudice to this Agreement or the Company\u2019s rights.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.8 Data & Privacy<\/strong><\/p>\n <p>(a) Payment-related data shall be collected, processed, and stored in accordance with:<\/p>\n <p>(i) the Personal Data Protection Act 2010 (PDPA) of Malaysia; and<\/p>\n <p>(ii) the Company\u2019s Privacy Policy.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company does not store sensitive payment credentials, including but not limited to PINs,\n passwords, or authentication codes.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.9 Limitation of Liability<\/strong><\/p>\n <p>(a) To the fullest extent permitted by law, the Company shall not be liable for any loss, damage, or\n inconvenience arising from:<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) QR scanning errors, system delays, or technical malfunctions;<\/p>\n <p>(i) Payment platform outages or maintenance; <\/p>\n <p>(ii) Network, device, banking, or telecommunications failures beyond the Company\u2019s reasonable control;\n <\/p>\n <p>(iii) Any indirect, incidental, special, or consequential losses relating to QR Payments.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.10 Governing Law & Jurisdiction<\/strong><\/p>\n <p>(a) This Agreement shall be governed by and construed in accordance with the laws of Malaysia, and shall\n be read together with the governing law and dispute resolution provisions of these Terms and Conditions.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) Any disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia, unless\n otherwise agreed under an applicable arbitration clause.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.11 Amendments<\/strong><\/p>\n <p>(a) The Company reserves the right to amend, update, or replace this QR Payment Agreement at any time.\n <\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The version in force at the time the QR Payment is made shall apply and be binding on the Customer.\n <\/p>\n <div class=\"gap\"><\/div>\n <p><strong>67.12 Acknowledgement<\/strong><\/p>\n <p>By completing a QR Payment, you expressly confirm and agree that:<\/p>\n <p>\n <pre>\u201cI agree to pay the above total amount according to the QR Payment Agreement of LOUIS THAI International Group Sdn. Bhd.\u201d<\/pre>\n <\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n <\/section>\n <section class=\"section\" id=\"article-27\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 27<\/h2>\n <div class=\"section-sub\">RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-27-68\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 68 | RELATED PARTIES & PERSONAL RELATIONSHIP CONFLICTS<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p><strong>Cross-reference:<\/strong> This Clause is governed in addition by Clause 69 (Free Will &\n Non-Manipulation Principle).<\/p>\n <div class=\"gap\"><\/div>\n <p>(a) Where two or more Clients are spouses, partners, former spouses, family members, relatives, or\n otherwise related parties, each Client shall be treated as an independent and separate individual case by\n LOUIS THAI International Group Sdn. Bhd. (\u201cthe Company\u201d).<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The existence of any marital, familial, emotional, or personal relationship between Clients shall not\n create any joint rights, joint obligations, or shared service expectations unless expressly agreed in\n writing by the Company.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.2 No Mediation, Arbitration, or Personal Decision Influence<\/strong><\/p>\n <div class=\"gap\"><\/div>\n <p>(a) The Company does not act as a mediator, arbitrator, legal representative, marriage counsellor, or\n decision-maker in personal, marital, or relationship matters, including but not limited to:<\/p>\n <p>(i) marriage, divorce, reconciliation, separation,<\/p>\n <p>(ii) emotional disputes or relationship conflicts,<\/p>\n <p>(iii) consent, agreement, or refusal by another party.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company shall not be responsible for, nor obligated to influence, alter, persuade, compel, or\n predict the personal decisions, intentions, or free will of any third party, including another Client who\n may be related to the requesting Client.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.3 Separation of Information and Confidentiality<\/strong><\/p>\n <div class=\"gap\"><\/div>\n <p> (a) All consultations, records, analyses, predictions, recommendations, or communications provided to a\n Client shall remain strictly confidential and segregated.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) The Company shall not disclose, reference, compare, or cross-use information between related Clients,\n nor shall it confirm, deny, or comment on another Client\u2019s consultation, intention, or outcome, even where\n such Clients are spouses or related parties.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.4 Conflict Escalation and Service Limitation<\/strong><\/p>\n <p>(a) Where opposing intentions, objectives, or expectations arise between related Clients, and such\n circumstances may reasonably result in:<\/p>\n <p>(i) ethical conflict,<\/p>\n <p>(ii) reputational risk,<\/p>\n <p>(iii) emotional escalation,<\/p>\n <p>(iv) legal exposure, or<\/p>\n <p>(v) misuse of the Company\u2019s services,<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) the Company reserves the absolute right, at its sole discretion, to limit, suspend, decline, or\n terminate services to one or more affected Clients, without liability or obligation to provide\n justification beyond compliance with this Agreement.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.5 No Guarantee of Relationship Outcome<\/strong><\/p>\n <p>(a) Any service, consultation, analysis, or recommendation provided by the Company is offered strictly on\n an informational and advisory basis and does not guarantee any specific relationship outcome, agreement,\n reconciliation, separation, or legal result.<\/p>\n <div class=\"gap\"><\/div>\n <p>(b) All personal and relationship decisions remain solely the responsibility of the Client.<\/p>\n <div class=\"gap\"><\/div>\n <p><strong>68.6 Survival and Priority<\/strong><\/p>\n <div class=\"gap\"><\/div>\n <p>(a) This Clause shall survive the completion, suspension, or termination of services and shall apply\n notwithstanding any conflicting expectations, assumptions, or representations by Clients.<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n <\/section>\n <section class=\"section\" id=\"article-28\">\n <div class=\"section-head\">\n <h2 class=\"section-title\">Article 28<\/h2>\n <div class=\"section-sub\">FREE WILL & NON-MANIPULATION PRINCIPLE<\/div>\n <\/div>\n <div class=\"card-body\">\n <p>FREE WILL & NON-MANIPULATION PRINCIPLE<\/p>\n <\/div>\n\n <details class=\"clause\" id=\"clause-28-69\">\n <summary>\n <span class=\"chev\" aria-hidden=\"true\"><\/span>\n <span class=\"title\">Clause 69 | REE WILL & NON-MANIPULATION PRINCIPLE<\/span>\n <\/summary>\n <div class=\"content\">\n <div class=\"gap\"><\/div>\n <p>69.1 Principle. LOUIS THAI provides Services for personal guidance, self-reflection, and lawful spiritual\n or cultural purposes only. All decisions, actions, and outcomes remain solely within the Client\u2019s own free\n will and responsibility.<\/p>\n <div class=\"gap\"><\/div>\n <p>69.2 No Manipulation \/ No Coercion. You acknowledge and agree that LOUIS THAI does not and will not\n provide any Service intended to coerce, compel, manipulate, control, or override the free will, consent,\n or lawful choices of any other person (including spouses, partners, family members, or third parties).<\/p>\n <div class=\"gap\"><\/div>\n <p>69.3 Prohibited Requests. Without limitation, You must not request or use Our Services for:<\/p>\n <p>(a) forcing or pressuring another person to love, return, reconcile, separate, divorce, sign documents,\n transfer property, or make any legal decision;<\/p>\n <p>(b) influencing another person\u2019s consent, judgement, or behavior through intimidation, deception,\n harassment, or undue pressure; or<\/p>\n <p>(c) any act that may constitute unlawful coercion, stalking, harassment, defamation, blackmail, or abuse\n under Malaysian law.<\/p>\n <div class=\"gap\"><\/div>\n <p>69.4 Service Refusal \/ Suspension. If We reasonably believe that a request, instruction, or use of\n Services violates this Clause or creates elevated legal\/ethical risk, We may refuse, limit, pause, or\n terminate the Service immediately, without liability, and without any obligation to provide a specific\n outcome.<\/p>\n <div class=\"gap\"><\/div>\n <p>69.5 Individual Circumstances & No Guarantee. Outcomes are subjective and dependent on individual\n circumstances. Any interpretation, guidance, or spiritual practice does not guarantee results and shall\n not be treated as a substitute for professional legal, medical, psychological, or counselling advice.<\/p>\n <div class=\"gap\"><\/div>\n <p>69.6 Related Parties. Where two or more Clients are related parties and hold opposing intentions, Our\n handling shall remain strictly independent and subject to this Clause. (Cross-reference: Clause 68 \u2013\n Related Parties & Personal Relationship Conflicts.)<\/p>\n <div class=\"gap\"><\/div>\n <\/div>\n <\/details>\n <\/section>\n\n\n\n <\/main>\n <\/div>\n\n <script>\n const expandAll = document.getElementById('expandAll');\n const collapseAll = document.getElementById('collapseAll');\n const printBtn = document.getElementById('printBtn');\n const filter = document.getElementById('filter');\n const navList = document.getElementById('navList');\n\n function setAll(open) {\n document.querySelectorAll('details.clause').forEach(d => d.open = open);\n }\n\n expandAll.addEventListener('click', () => setAll(true));\n collapseAll.addEventListener('click', () => setAll(false));\n printBtn.addEventListener('click', () => window.print());\n\n \/\/ Filter: hides cards that don't match\n function normalize(s) {\n return (s || '').toLowerCase();\n }\n\n filter.addEventListener('input', () => {\n const q = normalize(filter.value.trim());\n const cards = document.querySelectorAll('details.clause');\n if (!q) {\n cards.forEach(c => c.style.display = '');\n return;\n }\n cards.forEach(c => {\n const text = normalize(c.innerText);\n c.style.display = text.includes(q) ? '' : 'none';\n });\n });\n\n \/\/ Smooth scroll & auto-open target card\n navList.addEventListener('click', (e) => {\n const a = e.target.closest('a');\n if (!a) return;\n const href = a.getAttribute('href');\n if (!href || !href.startsWith('#')) return;\n const target = document.querySelector(href);\n if (!target) return;\n if (target.tagName === 'DETAILS') target.open = true;\n setTimeout(() => target.scrollIntoView({ behavior: 'smooth', block: 'start' }), 0);\n });\n <\/script>\n\n<\/body>\n\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Main Terms and Conditions Agreement| LOUIS THAI LOUIS THAI \ud83e\ude82 Expand All \ud83e\udebdCollapse \ud83d\udda8\ufe0f Print Sections \ud83d\udcac Preamble \ud83d\udd16 Captions \ud83d\udce2 Acknowledgment \ud83d\ude47\ud83c\udffc\u200d\u2642\ufe0f Message from the Board (CEO\/President) \ud83d\udc66\ud83c\udffb Message from the Board (Proposed Director) \ud83e\udd36\ud83c\udffb Message from the Stakeholder Article 1 Article 2 Article 3 Article 4 Article 5 Article 6 Article 7 Article […]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","_joinchat":[],"footnotes":""},"class_list":["post-8219","page","type-page","status-publish","hentry","entry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/pages\/8219","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/comments?post=8219"}],"version-history":[{"count":40,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/pages\/8219\/revisions"}],"predecessor-version":[{"id":8273,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/pages\/8219\/revisions\/8273"}],"wp:attachment":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/media?parent=8219"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}