If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern the Universal Business Academy’s relationship with you in relation to this website. The term “Universal Business Academy” or “UBA” or “us” or “we” or “our” refers to the owner of the website whose registered office is No 70-02, Jalan Austin Heights 8/2, Taman Mount Austin, 81100 Johor Bahru, Johor Malaysia. The term “you” refers to the user or viewer of our website.

1. Acceptance

Universal Business Academy provides this website universalbusinessacademy.com to you subject to the terms contained in this agreement. If you do not agree with any of the terms of this agreement, do not access or otherwise use this website. Your use of this website shall be deemed to be your agreement to abide by each of the terms set forth below. It is the responsibility of the users to read such terms before entering a transaction. Universal Business Academy grants you a personal, non-transferable, and non-exclusive right to use its materials and software on any personal media device; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify any of the material in any manner or form. You agree not to access Universal Business Academy products or services by any means other than through the interface that is provided by Universal Business Academy for use in accessing the Universal Business Academy services and products. By registering with universalbusinessacademy.com, you represent that you are of legal age to form a binding contract. You agree to provide true, accurate, current, and complete information about yourself in all required fields of the registration form. If any of your information changes, you agree to update your registration information as soon as possible. If Universal Business Academy suspects that your registration information is not complete, current, or accurate, or that you have otherwise violated these Terms of Use, your account may be subject to suspension or termination, and you may be barred from using the universalbusinessacademy.com website.

2. Privacy Policy

Your privacy is very important to us at Universal Business Academy. Users should refer to our privacy policy for information about how Universal Business Academy collects and uses personal information. Details of how we use the information you provide are set out in our privacy policy. By agreeing and accepting this agreement you consent to Universal Business Academy disclosure and use of your information as described in the privacy policy.

3. User Account, Password & Security

The creation of an account is compulsory to purchase from Universal Business Academy. You will be required to create a password and user account. You are responsible for maintaining the confidentiality of the password and account and are responsible for all activities that occur under your account. You agree to (1) safeguard the password and user account you have created and under no circumstances that you will disclose or share, directly or indirectly, to any third party whose access and usage of the website that UBA has not given consent to (2) immediately notify Universal Business Academy of any unauthorised use of your password or account or any other breach of security and (3) ensure that you log out from your account at the end of each session. Universal Business Academy cannot and will not be liable for any loss or damages arising from your failure to comply with this section.

4. Proprietary Rights (Trademarks & Copyright Notice)

You acknowledge and agree that any content, including but not limited to text, data, photos, graphics, etc. or any material contained or distributed through the website, by Universal Business Academy, its advertisers, or third parties, is protected by trademarks, service marks, patents, copyrights, or other proprietary rights and laws. You therefore may not under any circumstances use or distribute any content received through the website without authorisation of the content owner. You agree not to publish, reproduce, copy, in whole or part, nor upload, download, post, email, sell or otherwise distribute content available through the website.

5. Rules of Conduct

The following rules of conduct apply to your use of the website and to any and all materials you post on universalbusinessacademy.com, including text, data, graphics, audio or video content, sound, chat, messages, files, or any other material (collectively “user submission”) whether the user submission is included in blogs, discussion groups, emails, profiles, comments, or any other portion or feature of universalbusinessacademy.com. You may not, in connection with the website:

Upload, post, email or otherwise transmit any user submission that is libelous or defamatory, pornographic, sexually explicit, unlawful or plagiarized;
Infringes or violates any patent, copyright, trademark, trade secret, or other property rights;
Breach a duty of confidentiality by which you are bound due to a contractual or fiduciary relationship (such as inside information, or proprietary and confidential information learned or disclosed as part of employment relationships or under non-disclosure agreements);
Behave, act or respond in a way, directly or indirectly, which could consider harassing, abusive, threatening, harmful, vulgar, profane, excessively violent, racially, ethnically or otherwise objectionable or offensive in any way;
Constitute a breach of any person’s privacy or publicity rights, a misrepresentation of facts, or hate speech;
Violate or encourages others to violate any applicable law, statute, ordinance, or regulation;
Promote software or services that deliver unsolicited e-mail; or
Use or use any material that contains viruses, Trojan horses, worms, time bombs, cancelbots, or other similar harmful programming routines.

6. Internet Connection

Some of the Universal Business Academy material requires a correctly configured and functional internet data connection, both for the initial purchase and for use. Data charges may be charged to you by your network provider depending on your individual tariff. You are responsible for any such costs. We are unable to provide any warranties as to the levels of connectivity you will receive via your personal media device. This may depend upon your tariff, your network provider, or your corporate policy if you have a work-issued device. We will not accept any responsibility for any connectivity issues you may experience. Please contact your network provider or visit their website if you require assistance configuring a data connection for your phone. If, however, the Universal Business Academy website is down and it is believed to be our fault we agree to compensate users how we see fit, this would usually comprise of a credit note being issued for unfinished assessments. Universal Business Academy will deal with claims on a case-by-case basis.

7. Discount Codes Account discount codes

Discount codes may from time to time be offered to account holders; such codes may only be applied to purchases made through the account in respect of which the discount code was offered and registered.

Promotional discount codes

We may from time to time offer promotional discount codes which may apply in respect of any, or certain specified, purchases made through this website. All prices and course fees are listed in RINGGIT MALAYSIA (RM), and therefore we are not responsible for any exchange rate changes, nor any bank charges that arise from this or any other payments made to Universal Business Academy.

8. Links

UniversalBusinessAcademy.com (the website) or third parties may provide or link to other websites or resources. As Universal Business Academy has no control of such websites and resources, you acknowledge and agree that Universal Business Academy is not responsible for the availability of such websites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources or the policies of such websites and resources. Universal Business Academy is not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such website or resource.

9. Variations/Correction of Errors and Inaccuracies

Universal Business Academy uses reasonable endeavours to ensure the information on the website is accurate, however, the information and product listings on the website may contain typographical errors or inaccuracies and may not be complete or current. We make no representation or warranty that any information is accurate, complete, or up-to-date and, to the fullest extent permitted by law, we accept no liability for any loss or damage caused by any reliance placed on such information placed by you or anyone to whom you may communicate such information. Universal Business Academy shall have the right at any time without any liability or notice to amend, remove any content of the website including prices, sales literature, or other documents as long as such alterations do not materially affect the quality of the goods.

10. Warranty Disclaimer

YOU AGREE THAT YOUR USE OF THE WEBSITE SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, UNIVERSALBUSINESSACADEMY.COM, AND ANY SUBSIDIARY, PARENT, AFFILIATE, OFFICER, DIRECTOR, LICENSOR, EMPLOYEE, SUPPLIER, DISTRIBUTOR, RESELLER AGENT, OWNER, OR OPERATOR OF UNIVERSALBUSINESSACADEMY.COM, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF. UNIVERSALBUSINESSACADEMY.COM MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE WEBSITES CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THIS WEBSITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (V) ANY OMISSIONS OR ERRORS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE. UNIVERSALBUSINESSACADEMY.COM DOES NOT WARRANT, GUARANTEE, ENDORSE OR ASSUME RESPONSIBILITY FOR ANY HYPERLINKED WEBSITE OR OTHER PROMOTION, AND UNIVERSALBUSINESSACADEMY.COM WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. NO INFORMATION OR ADVICE, WHETHER WRITTEN OR ORAL, OBTAINED BY YOU FROM UNIVERSALBUSINESSACADEMY.COM OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS OF USE. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

11. Limitation of Liability

IN NO EVENT SHALL UNIVERSALBUSINESSACADEMY.COM, OR ANY SUBSIDIARY, PARENT, AFFILIATE, OFFICER, DIRECTOR, LICENSOR, EMPLOYEE, SUPPLIER, DISTRIBUTOR, RESELLER AGENT, OWNER, OR OPERATOR OF, BE LIABLE TO YOU FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) MISTAKES, ERRORS, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE, (IV) ANY BUGS, TROJAN HORSES, VIRUSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (V) ANY OMISSIONS OR ERRORS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, TRANSMITTED, EMAILED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE, WHETHER BASED ON WARRANTY, TORT, CONTRACT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. YOU SPECIFICALLY ACKNOWLEDGE THAT UNIVERSALBUSINESSACADEMY.COM SHALL NOT BE LIABLE FOR USER SUBMISSIONS OR FOR ANY OFFENSIVE, DEFAMATORY, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU. THE WEBSITE IS CONTROLLED AND OFFERED BY UNIVERSAL BUSINESS ACADEMY FROM ITS FACILITIES IN THE UNITED KINGDOM. THOSE WHO ACCESS OR USE THE WEBSITE FROM OTHER JURISDICTIONS DO SO AT THEIR OWN VOLITION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAWS.

12. Plagiarism

Academic dishonesty covers any attempt by a student to gain an unfair advantage (e.g. extra marks) for her/himself, or for other students, by unauthorised means. Examples of such dishonesty include collusion, deceit, plagiarism, and cheating in examinations. Collusion includes, but is not limited to, the conscious collaboration, without official approval, between two or more students, in the preparation and production of work which is then submitted as individual work. In cases where one (or more) student has copied from another, all students involved may be penalised. Deceit includes misrepresentation or non-disclosure of relevant information, including the failure to disclose any cases of work being submitted for assessment that has been or will be used for other academic purposes. Plagiarism is the act of using other people’s words, images, etc. as if they were your own. In order to make clear to readers the distinction between your words, images, etc. Cheating is defined as any attempt to gain an unfair advantage in an assessment (including examinations) or assisting another student to do so. It includes; copying from other candidates, collusion, impersonation, plagiarism, and unauthorised access to unseen examination papers.

It is in the best interests of all students for Universal Business Academy to maintain the good reputation of its awards. Your co-operation is expected in actively protecting the integrity of the assessment process. It is the duty of all students to Universal Business Academy to have high personal standards of academic honesty in their studies and to report any instances of malpractice of which they become aware.

13. Governing Law and Jurisdiction

These Terms and Conditions are governed by and constructed in accordance with Malaysia Laws, and in the event of any disputes or claims associated with the terms and conditions will be subject to the jurisdiction of the courts of Malaysia.

14. Security Policy (Payments)

Our Payment Service Provider is PayPal – the most convenient online payment system for paying online, sending money, receive payments, anywhere in the world. PayPal monitors transactions 24/7. So, if they notice something out of the ordinary, they’ll ask you to confirm it’s you who are logging in or making the purchase. This online payment system holds PCI DSS (Payment Card Industry Data Security Standard) – a set of comprehensive requirements that all businesses that handle credit and debit payments must comply with, no matter how many transactions they process or how much they’re for. The standards help reduce the likelihood of financial data and identity theft, fraudulent payments, and unauthorised transactions. PayPal is doing regular updates to its systems to help block external threats and they will help you to comply with the stringent PCI compliance requirements for data protection both when processing payments and storing financial data. PayPal also holds certification under many programs and standards, including the Visa Cardholder Information Security Program, Mastercard Site Data Protection Program, and the American Institute of Certified Public Accountant’s Statement on Standards for Attestation Engagements No. 18 SOC 1. In addition, you know that your session is in a secure encrypted environment when you see https:// in the web address, and/or when you see the locked padlock symbol alongside the URL. Your purchases through our website can be sure that every transaction is completely protected.

15. Data Protection

Universal Business Academy uses the personal data of the customer for appropriate purposes and according to statutory regulations. The personal data are given (i.e. name, email address, delivery address, bank details) for ordering products is used by Universal Business Academy for fulfillment and handling of the contract only. This data is treated confidentially by Universal Business Academy is not given to any third parties who are not part of the ordering, delivery, and payment procedures. The customer shall be entitled to access information on their personal data which Universal Business Academy has saved about them, free of charge. They are also entitled to the correction of incorrect data, and the deletion of their personal data if they choose, so long as there is no legal obligation to retain such data.

16. Content and Refunds

Once payment is received and products have been delivered to the student’s dashboard, or have been downloaded, refunds are not available. This does not affect your statutory rights. Goods will only be dispatched to the customer when payment has been made in full and cleared funds and in any variance of this term shall be upon such terms as Universal Business Academy dictates. Access to modules and assessments is limited to your program study duration from the date of enrolment. In exceptional circumstances, this may be extended. All applications and other non-tuition fees paid to Universal Business Academy are non-refundable. Only the paid tuition fees/facilitation fees are refundable on the following conditions:

- Personal Accident that caused user’s permanent disability
- Critical Illness in the event which user is unable to continue the course mentally, physically, and financially. User will need to present proof of such condition as an acceptance by UBA for Refund,
- Natural Disaster means circumstances beyond the reasonable control of both parties which shall and only include, acts of God, perils of the sea or air, fire, flood, drought, civil commotion, acts of local government and parliamentary authority; which causes the inability to continue the course in user’s homeland or home country.

Percentage of refund of tuition fees/facilitation fees requirements:
- 100% 1 day before the Course Commencement Date
- 0% during or after the Course Commencement Date either attended or not attended.

Learners who cancel their future services contracts will be charged:

Cancellation Fee: 5% of the price of the tuition fees or the cost of any class that Universal Business Academy has conducted or any class that the students have done.

Universal Business Academy will make a full refund of the paid tuition/facilitation fees when the course hasn’t started and we shall collect the 5% cancellation fee from the learner.
If the learner decides to terminate the contract when the class has been conducted, the remain balance of the tuition fees will be refunded and the learner will be charged 5% of the cancellation fee.

All refunds shall be made within 14 working days from the date of the approval letter sent to the student.

17. Withdrawal Policy

The student must apply in writing to the Universal Business Academy’s Office to request a withdrawal from the course. All requests must be supported with documentation evidence. Any verbal request for withdrawal from the course shall not be entertained.

Universal Business Academy shall inform the students of its decision in writing within a week. Refunds will be processed as per the Refund Policy. The user remains liable for any remaining unpaid course fees; clearance of tuition fees up to where the withdrawal is applied and approved upon Universal Business Academy’s review. In the event that a company-sponsored student withdraws, the company is liable for any remaining unpaid course fees; clearance of tuition fees up to where the withdrawal is applied and approved upon Universal Business Academy’s review.

18. Violations of Terms of Use

If you breach these terms and conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the account, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bring court proceedings against you.

19. Course Accreditation

Courses are accredited by a governing body chosen by Universal Business Academy, which assesses the review and writes all of our contents. If there is a change in validating partnership, Universal Business Academy will always aim to make sure the new governing body is of the same or higher standard. No refunds will be issued to students in this scenario.

20. University admission

Universal Business Academy is in no way guarantees students direct progression onto a University Degree or Master’s program; this will solely depend upon the student’s circumstances, experience and application to the respective university.

21. General

The place of fulfillment for all services in relation to universalbusinessacademy.com is the place of business of UNIVERSAL BUSINESS ACADEMY SDN BHD, a company registered in Malaysia. Our Trading Office: No 70-02, Jalan Austin Heights 8/2, Taman Mount Austin, 81100 Johor Bahru, Johor Malaysia, and our company registration number is 1122301-D.