Dasar Bayaran Balik & Pembatalan

1. Purpose

This Refund & Cancellation Policy ("Policy") explains how Karya (Company No. 1234567-X), trading as Karya ("we", "us", "our"), handles cancellations and refunds for orders placed through our website at https://karya.rizen.space/ (the "Website").

The products sold on the Website are digital goods that are delivered electronically and, in most cases, instantly — including vouchers, e-codes, gift cards, software licences, activation keys and top-up or reload codes (collectively, "Digital Goods"). Because Digital Goods are consumed by being revealed, redeemed or activated, the rules below reflect their nature.

This Policy should be read together with our Terms and Conditions, our Delivery Policy and our Privacy Policy, each of which forms part of the agreement between you and us. By placing an order on the Website, you confirm that you have read, understood and accepted this Policy. Nothing in this Policy limits any right you may have that cannot be excluded under the Consumer Protection Act 1999 or other applicable Malaysian law.

1.1 Role of the Payment Processor

Payments made on the Website are processed by Bayarcash Sdn. Bhd. (Company No. 202201040365) of Kota Bharu, Kelantan, Malaysia, a payment gateway regulated under Malaysian law (the "Payment Processor"). The Payment Processor acts solely as an independent third-party provider of payment-processing services. It is not the seller, supplier, merchant of record or counterparty to any purchase, and it does not own, control or operate the Website.

Karya, and not the Payment Processor, is the seller of record and your sole counterparty in respect of any purchase and the supply of Digital Goods. All questions concerning your order, delivery, cancellations and refunds must be directed to Karya in the first instance, using the contact details in Section 7. Where a refund is approved, the Payment Processor merely facilitates the return of funds at our instruction through the original payment channel; the decision to grant or decline a refund is ours alone.

2. Cancellation Policy

Because Digital Goods are typically delivered instantly, the window in which an order can be cancelled is very short. An order may be cancelled only where one or more of the following applies and the Digital Good has not yet been delivered, revealed, redeemed or activated:

2.1 When an order can be cancelled

2.2 When an order cannot be cancelled

Once payment has been successfully processed and the Digital Good has been delivered, revealed, redeemed or activated, the order is complete and cannot be cancelled. This is because the Digital Good — such as a voucher code, e-code, licence key or top-up PIN — has value the moment it is disclosed and cannot be returned or re-sold.

3. Refund Policy

3.1 Digital Goods are final once delivered

All sales of Digital Goods are final. No refund or exchange is available for a Digital Good that has been successfully delivered, revealed, redeemed or activated, including where you have:

• Purchased the wrong product, denomination, region or platform by mistake;
• Changed your mind after purchase; or
• Failed to use a code before any expiry date set by the brand owner or issuer.

3.2 Limited circumstances in which a refund is considered

Notwithstanding Section 3.1, we will consider a refund where one or more of the following is verified:

A refund is not available where a code fails to redeem because of an error you made (for example, entering it on the wrong platform, region or account), where you breached the issuer's terms of use, or where the issue lies with a third-party brand owner, publisher or platform outside our control.

3.3 How to request a refund

To request a refund, contact us using the details in Section 7 within seven (7) days of the transaction date and provide your order reference, the email or number used at checkout, and a description of the problem (including screenshots where relevant). We may ask for additional information to verify your claim. We will acknowledge your request and assess it in good faith.

3.4 Processing of approved refunds

Where a refund is approved, it will be processed to the original payment method used for the purchase, normally within seven (7) to fourteen (14) working days of approval. The time taken for the funds to appear in your account depends on your bank or card issuer and is outside our control. Refunds are made in the original currency of the transaction; we are not responsible for any exchange-rate movement or third-party fee applied by your bank or card issuer.

4. Chargebacks and Disputes

If you believe a charge is incorrect or that you are entitled to a refund, please contact Karya first using the details in Section 7 so that we can resolve the matter directly. Most issues — including non-delivery and duplicate charges — can be resolved quickly without involving your bank. Raising a chargeback or payment dispute with your bank before contacting us may delay resolution.

The Payment Processor provides payment-processing services only and is not a party to, and is not responsible for, any dispute between you and us regarding a Digital Good, its delivery or its redeemability.

5. Consumer Rights

Nothing in this Policy excludes, restricts or modifies any guarantee, right or remedy that you have under the Consumer Protection Act 1999 or any other applicable Malaysian law that cannot lawfully be excluded. Where a Digital Good is not of the nature, quality or description represented, your statutory rights continue to apply alongside the refund routes described above.

6. Amendments

We may update or amend this Policy from time to time to reflect changes in our products, our business practices or applicable law. Any changes take effect from the date the revised Policy is published on the Website, and the "lastUpdated" date above will be revised accordingly. The Policy in force at the time of your order governs that order. Your continued use of the Website after any amendment constitutes your acceptance of the revised Policy.

7. Contact Information

Karya (trading as Karya) —

For matters relating specifically to payment processing, the Website's payments are handled by the Payment Processor:

For all questions concerning your order, delivery of Digital Goods, cancellations or refunds, you must contact Karya in the first instance using the contact details above. Karya is the seller of record and your sole counterparty, and the Payment Processor is an independent third party that provides payment-processing services only and is not responsible for the Digital Goods, their delivery, or any dispute between you and Karya.