Return Policy

Issued by NEOONE EMPIRE SDN. BHD., trading as The One Percent Academy

This Return Policy explains how NEOONE EMPIRE SDN. BHD., trading as The One Percent Academy ("Company," "we," "us," or "our") handles refund and return requests for our Programs, which are digital educational products delivered electronically. Because our Programs consist of digital content, community access, and live or recorded sessions that are made available to you immediately upon purchase, they are not physical goods capable of being "returned" in the traditional sense. This Policy should be read together with our Terms of Service.

1. All Sales Are Final

Except as set out in Section 2 below, all purchases of our Programs — including the Foundation, Transformation, and Mentorship programs, and any special or custom event we make available live or as a recording — are final. We do not offer refunds, exchanges, credits, or cancellations for any reason once a purchase is completed and access to the relevant Program has been granted, including but not limited to:

• change of mind;
• failure to attend a live session or event;
• failure to complete or engage with the Content;
• dissatisfaction with your own trading results; or
• a decision to discontinue participation partway through a Program.

We encourage you to review all available information about a Program, including its format, content, and requirements, before purchasing.

2. Limited Exceptions Required by Law

Notwithstanding Section 1, we will provide a refund, in whole or in part, where required by applicable law or card network rules, including in the following narrow circumstances:

• Non-delivery — where you paid for a Program but, due to an error on our part, were never granted access to it, and the issue is not resolved within a reasonable time after you notify us.
• Duplicate or erroneous charges — where you were charged more than once for the same Program, or were charged an incorrect amount due to a processing error.
• Unauthorized transactions — where a payment was made without your authorization, subject to verification.
• Statutory rights — any refund right that cannot lawfully be excluded under the law of your country of residence.

Nothing in this Section 2 obligates us to provide a refund for dissatisfaction with the Content itself, your own trading results, or your voluntary decision to stop engaging with a Program.

3. How to Report an Issue

If you believe you are entitled to a refund under Section 2, you must contact us at info@neo-trading-consultants.com within seven (7) days of the issue arising, providing your order or receipt reference (as shown in your Whop confirmation), the email address used at checkout, and a description of the issue. We will investigate and respond within a reasonable time.

4. Chargebacks

If you have a concern about a charge, we ask that you contact us first at info@neo-trading-consultants.com so that we can attempt to resolve the issue directly. Initiating a chargeback or payment dispute with your bank or card issuer without first contacting us may result in the immediate suspension of your access to the relevant Program pending resolution of the dispute. We reserve the right to contest any chargeback that we believe to be unwarranted, including by providing evidence of your access to and use of the Program to Whop and the relevant payment processor.

5. Payment Plans and Installments

If you purchased a Program on an installment or payment plan, this "all sales are final" policy applies to each installment as it is paid; no partial or completed installment payments are refundable. If you stop making scheduled payments, we may suspend or terminate your access to the Program in accordance with our Terms of Service, and any amounts already paid remain non-refundable.

6. Access Revocation for Misconduct

If your access to a Program is suspended or terminated because you violated our Terms of Service, our End User License Agreement, or our community guidelines, you are not entitled to any refund for the unused portion of the Program.

7. Special and Custom Events

Where a Program includes a special or custom event, delivered live or made available as a recording, no refund will be provided for your failure to attend the live delivery of that event where a recording is made available to you afterward. If we must postpone, reschedule, or change the format of an event due to circumstances beyond our reasonable control, we will make reasonable efforts to provide you with access to an alternative date, format, or recording, but this Policy's "all sales are final" position continues to apply, and rescheduling or format changes do not, by themselves, entitle you to a refund.

8. Refund Processing

Where a refund is approved under Section 2, it will be processed to your original payment method through Whop, our payment processing partner, typically within three (3) to five (5) business days of approval, though the time for funds to appear in your account may vary depending on your bank or card issuer.

9. Contact Us

For any question about this Return Policy, or to report an issue under Section 2, please contact:

NEOONE EMPIRE SDN. BHD.
trading as The One Percent Academy
Email: info@neo-trading-consultants.com