Privacy Policy, Terms of Service, Payments & Refund Policy
ELZAR SHARIAH AND TECHNOLOGY SOLUTION SDN. BHD.
Company Registration No. (SSM): 201601035708
Website: https://elzarshariah.com
Effective Date: 26 October 2026
Last Updated: 26 October 2026
1. Introduction
Welcome to the official website of ELZAR SHARIAH AND TECHNOLOGY SOLUTION SDN. BHD. (“Elzar”, “the Company”, “we”, “us” or “our”).
Elzar is a Malaysia-incorporated company providing professional advisory, consultancy, research, training, technology development and related business solutions, with particular expertise in Shariah advisory, Islamic finance, regulatory compliance and technology-driven services.
We are committed to conducting our business with integrity, professionalism, transparency and respect for our clients’ rights and confidentiality.
This policy sets out the terms governing:
The collection, use, disclosure and protection of personal data.
The provision of our professional and technology-related services.
Service quotations, pricing and payment arrangements.
Cancellation, refund and return procedures.
Domestic and international payment transactions.
The rights and obligations of clients engaging our services.
Our business operations are subject to applicable Malaysian laws, including the Personal Data Protection Act 2010, as amended, the Consumer Protection Act 1999, applicable electronic commerce requirements and relevant payment regulations.
By using our website, requesting our services or making a payment through our authorised payment channels, clients acknowledge the terms applicable to the relevant activity. A service engagement is governed by the quotation, proposal or agreement accepted by the client, together with these general terms where applicable.
Nothing in this policy limits any rights or protections that cannot lawfully be excluded.
2. Privacy Policy and Personal Data Protection
2.1 Collection of Personal Data
In the course of conducting our business and providing services, we may collect and process personal data, including:
Full name, designation and contact details.
Company or organisation details, including business registration information.
Identification or verification information where reasonably necessary.
Billing information, invoices and transaction references.
Information submitted through website forms, emails, telephone calls or other communication channels.
Documents, reports and information provided in connection with consultancy, advisory, research or technology assignments.
Website usage information, IP addresses and technical data where collected through our website or related systems.
We collect personal data only where reasonably necessary for specified and legitimate purposes, subject to applicable legal requirements.
2.2 Purposes of Processing Personal Data
We may process personal data for the following purposes:
Responding to enquiries and communicating with clients.
Preparing quotations, proposals, invoices and service agreements.
Delivering professional advisory, consultancy, research, training and technology services.
Managing client relationships and contractual obligations.
Processing and verifying payments.
Maintaining financial, accounting and transaction records.
Verifying identities and preventing fraud or unauthorised transactions.
Complying with applicable legal, regulatory and reporting obligations.
Improving our website, systems and customer support.
Providing marketing and promotional information where permitted by applicable law.
Personal data will not be processed for materially unrelated purposes without an appropriate legal basis or consent where required.
2.3 Confidentiality and Use of Client Information
We recognise that our clients may provide confidential commercial, financial, technical, legal, strategic or proprietary information in connection with professional engagements.
Such information will be handled confidentially and used only for the purposes of the relevant engagement, unless disclosure is authorised by the client or required or permitted by law.
Where our services involve artificial intelligence, software development or digital technology solutions, the processing of client information will be subject to the applicable service agreement, privacy terms and data-processing arrangements.
Confidential client documents and information will not be used to train publicly available or third-party artificial intelligence models without appropriate client authorisation.
2.4 Payment Information and Data Security
Payments may be processed through independent payment service providers, including CHIP, Stripe or other authorised payment providers engaged by the Company.
Where clients make payments through such providers, payment card details and transaction information may be collected and processed directly by the relevant provider in accordance with its applicable privacy, security and operational policies.
We do not request clients to disclose their payment card PINs, online banking passwords or one-time passwords (OTPs) to our personnel.
We apply reasonable administrative, organisational and technical safeguards appropriate to the information under our control to protect personal data against unauthorised access, disclosure, misuse, loss or alteration.
2.5 Disclosure of Personal Data
Personal data may be disclosed, where necessary and legally permissible, to:
Authorised employees and representatives of Elzar.
Professional advisers, auditors and contracted service providers.
Payment gateways, acquiring institutions, banks and payment processors.
Technology infrastructure, cloud hosting and IT service providers.
Regulatory authorities and government agencies.
Law enforcement agencies where disclosure is legally required.
We will take reasonable steps to ensure that personal data shared with relevant third parties is handled appropriately and in accordance with applicable legal requirements.
2.6 International Data Transfers
Where services involve international clients, overseas service providers or cross-border technology infrastructure, personal data may be transferred to or accessed from jurisdictions outside Malaysia.
Such transfers will be conducted in accordance with applicable Malaysian personal data protection laws and appropriate safeguards.
2.7 Data Retention
Personal data will be retained only for as long as reasonably necessary to fulfil the purposes for which it was collected, comply with contractual obligations, satisfy applicable legal or regulatory requirements, or address legitimate business matters.
Personal data that is no longer required will be securely deleted, anonymised or otherwise disposed of as appropriate.
2.8 Rights of Data Subjects
Subject to applicable Malaysian law, individuals may have the right to:
Request access to their personal data.
Request correction of inaccurate or incomplete personal data.
Withdraw consent where applicable.
Request information about the processing of their personal data.
Exercise other rights provided under the Personal Data Protection Act 2010, as amended.
Privacy-related requests may be submitted to:
Email: admin@elzarshariah.com
We will review and respond to such requests in accordance with applicable legal requirements.
3. Terms of Service
3.1 Scope of Professional Services
Elzar provides specialised professional and technology-related services, which may include:
Shariah advisory and Islamic finance consultancy.
Shariah audit, review and compliance assessment.
Islamic financial product structuring and development.
Sukuk and Islamic capital market advisory.
Shariah governance, research and regulatory analysis.
Corporate training, workshops and professional education.
Financial technology and artificial intelligence solutions.
Software development and technology consultancy.
Other agreed advisory, research and professional assignments.
The nature, scope, complexity and duration of each engagement may vary according to the client’s requirements.
3.2 Service Engagement and Acceptance
A professional engagement will normally be established through an accepted quotation, proposal, service agreement, purchase order or other written confirmation acknowledged by the Company.
The relevant engagement documents may specify:
Scope of services and deliverables.
Professional fees and applicable charges.
Payment terms and milestones.
Project timeline and expected completion date.
Responsibilities of the Company and the client.
Confidentiality and intellectual property arrangements.
Cancellation, termination and refund provisions.
Other conditions relevant to the engagement.
Where a separately executed service agreement contains terms that differ from this general policy, the specific provisions of that agreement will prevail to the extent permitted by applicable law.
3.3 Professional Responsibilities
Elzar endeavours to perform its services with reasonable professional skill, care, diligence and integrity.
Professional advice, reports, research findings, assessments and recommendations are provided based on the agreed scope of work and information made available during the engagement.
Unless expressly agreed in writing, our services do not constitute a guarantee of financial performance, regulatory approval, commercial success or acceptance by any external authority.
3.4 Client Responsibilities
Clients are responsible for providing accurate, complete and timely information reasonably required for the performance of the agreed services.
Any material changes to the agreed scope of work, project requirements or relevant information may result in revisions to the service fees, deliverables or completion timeline, subject to mutual agreement.
3.5 Intellectual Property
Ownership and permitted use of reports, research outputs, advisory opinions, training materials, software, technology solutions and other deliverables will be governed by the applicable service agreement.
Unless otherwise agreed in writing, Elzar retains ownership of its pre-existing proprietary methodologies, frameworks, templates, software components and professional know-how.
Clients may use deliverables only within the rights granted under the applicable engagement agreement.
4. Service Pricing and Fee Transparency
4.1 Quotation-Based Pricing
As Elzar provides specialised and customised professional services, our fees are generally determined on a project-specific or quotation-based basis.
Accordingly, not all services are offered at fixed or publicly displayed prices.
Professional fees may depend on:
The nature and complexity of the assignment.
The agreed scope of work and deliverables.
The level of professional expertise required.
Project duration and resource requirements.
Technical or regulatory complexity.
Additional services or third-party expenses.
Clients may request a quotation by contacting the Company through its official communication channels.
4.2 Disclosure of Fees Before Payment
Before requesting or accepting payment, Elzar will communicate the relevant fees and payment conditions through an authorised quotation, proposal, invoice, order confirmation or service agreement.
The information provided will include, where applicable:
Description of the service or project.
Agreed professional fee or total transaction amount.
Applicable taxes and additional charges.
Payment milestones and due dates.
Accepted payment methods.
Estimated commencement or delivery timeframe.
Applicable cancellation and refund conditions.
Clients will be informed of the total amount payable and applicable payment conditions before being requested to complete a transaction.
Where services or products are offered for direct online purchase, the applicable price and mandatory charges will be presented before final payment confirmation.
4.3 Currency and Taxes
Unless otherwise agreed in writing, fees and invoices are denominated in Malaysian Ringgit (MYR).
Any applicable taxes, statutory charges or additional costs will be communicated to clients before payment.
For international transactions, foreign currency conversion and related charges may be imposed by the relevant financial institution, card issuer or payment network.
4.4 Changes in Service Fees
Any variation to an agreed fee resulting from additional services or changes in scope will be communicated to the client for acceptance before the additional charge is incurred.
4.5 Pricing and Payment for Digital Platforms and Technology-Based Services
In addition to customised consultancy and professional advisory services, ELZAR SHARIAH AND TECHNOLOGY SOLUTION SDN. BHD. offers digital platforms, artificial intelligence applications, online tools, subscription-based services and other technology-related products.
Unlike consultancy engagements, which are generally priced through individual quotations, fees for standard digital products and services are displayed transparently on their respective official pricing pages or at the point of checkout.
These platforms include, but are not limited to:
ShariahLab AI – https://shariahlab.io/pricing
MyHajiUmrah – https://myhajiumrah.com/pricing
Depending on the product or service, payment arrangements may include subscriptions, prepaid credits, usage-based packages, one-time purchases or other pricing models specified on the relevant platform.
Before completing a purchase, customers will be informed of the applicable price, selected package or subscription, payment frequency (where applicable), and any additional taxes or mandatory charges.
All online payments for these digital products and services will be processed through the Company’s appointed payment gateways, including CHIP, Stripe or other payment service providers duly licensed, registered, approved or otherwise authorised to provide the relevant payment services in Malaysia, subject to their respective approval and activation.
Where recurring payments or automatic renewals apply, the billing frequency, renewal conditions, cancellation procedures and relevant subscription terms will be disclosed before the customer authorises the transaction.
A payment will only be submitted after the customer has been presented with the applicable charges and has confirmed the purchase through the relevant checkout process.
Prices and packages may be revised from time to time. The price applicable to a particular purchase will be the amount displayed and confirmed at checkout, subject to any mandatory legal requirements or applicable contractual terms.
Digital product purchases, subscriptions and prepaid credit packages are subject to the relevant platform’s terms of use, cancellation and refund conditions, together with applicable Malaysian consumer protection laws.
5. Payment Methods and Transaction Procedures
5.1 Accepted Payment Methods
Subject to availability, provider approval and activation, Elzar may accept payments through:
Online bank transfers.
FPX or supported online banking facilities.
Credit and debit cards.
CHIP, Stripe or other authorised payment service providers.
Other payment methods expressly approved and communicated by the Company.
Only payment methods actually available through our authorised payment channels will be offered to clients.
5.2 Payment Process
Our standard payment process is as follows:
Step 1: Service Enquiry
The client contacts Elzar and provides details of the required service or project.
Step 2: Quotation or Proposal
Elzar provides a written quotation, proposal or service agreement specifying the scope of work, fees, payment terms and relevant conditions.
Step 3: Acceptance
The client reviews and accepts the applicable commercial terms.
Step 4: Invoice or Payment Request
Elzar issues an invoice, authorised payment link or other official payment instruction reflecting the agreed amount.
Step 5: Payment
The client completes payment through an available authorised payment method.
Step 6: Transaction Confirmation
Upon confirmation of a successful payment, Elzar provides or makes available an acknowledgement, receipt or applicable transaction record.
Step 7: Service Delivery
The relevant services commence or continue in accordance with the agreed engagement terms and payment milestones.
5.3 Payment Security and Verification
Payments processed through our appointed payment service providers are subject to their applicable security requirements, transaction verification procedures and fraud prevention controls.
Card transactions may require additional authentication by the relevant card issuer or payment network.
Elzar may reasonably delay service commencement or request additional payment verification where a transaction is flagged as suspicious, incomplete or unauthorised.
5.4 Failed, Duplicate or Unauthorised Transactions
Clients experiencing failed payments, duplicate charges or suspected unauthorised transactions should contact Elzar promptly.
We will review the reported transaction and, where appropriate, coordinate with the relevant payment service provider or financial institution to facilitate investigation, correction or refund.
Clients should verify the status of an unsuccessful transaction before attempting another payment to avoid duplicate charges.
5.5 Payment Records
Elzar maintains appropriate records of invoices, payment confirmations and transaction references for accounting, business administration, audit and applicable legal compliance purposes.
5.6 Direct Online Payments for Digital Products
For digital platforms and technology-based products, including ShariahLab AI and MyHajiUmrah, customers may purchase subscriptions, prepaid credits or other available packages directly through the relevant platform.
Customers will be able to review the applicable pricing, package details and payment terms before proceeding to the payment gateway.
Upon successful payment confirmation, access to the purchased digital services, subscription entitlements or credits will be provided in accordance with the applicable platform terms.
Transaction confirmations, payment records or receipts will be made available through the relevant platform, by email or through other authorised communication channels, as applicable.
The standard quotation-based payment procedure described in Section 5.2 applies primarily to customised consultancy and professional engagements and does not necessarily apply to direct online purchases of standard digital products.
6. Cancellation, Refund and Return Policy
6.1 General Policy
Elzar primarily provides professional consultancy, advisory, research, training and technology-related services.
Accordingly, the conventional return of physical goods is generally not applicable to our services.
Refund and cancellation arrangements depend on the nature of the engagement, agreed contractual conditions, work already performed, expenses reasonably incurred and the client’s applicable statutory rights.
Nothing in this policy excludes or restricts rights or remedies that cannot lawfully be excluded under Malaysian law.
6.2 Cancellation Before Service Commencement
Where a client requests cancellation before substantive work has commenced, any advance payment may be refundable, subject to reasonable and previously disclosed costs or commitments incurred specifically for the engagement.
Any proposed deduction will be assessed in accordance with the applicable agreement and legal requirements.
6.3 Cancellation After Service Commencement
Where an engagement is cancelled after work has commenced, Elzar may retain or charge fees reasonably attributable to completed services, work performed and properly incurred expenses, subject to the relevant agreement and applicable law.
Any eligible refund will be assessed based on the actual status of the engagement and the applicable contractual terms.
6.4 Training, Workshops and Professional Programmes
Cancellation, postponement, participant substitution and refund conditions for training programmes, workshops or scheduled professional events will be communicated in the relevant registration terms or programme confirmation.
Where Elzar cancels a paid programme without providing the agreed service, an appropriate remedy will be offered, which may include a refund or an alternative arrangement accepted by the participant.
6.5 Technology and Digital Services
Refunds relating to software development, artificial intelligence solutions, digital platforms, subscriptions or technology-related services will be assessed according to the applicable service agreement or subscription terms.
Any minimum subscription period, recurring charge, cancellation restriction or non-refundable fee will be communicated before purchase where applicable.
6.6 Incorrect Charges or Failure to Deliver
Where a verified duplicate charge, incorrect payment amount or failure to provide the agreed service has occurred, the client may request an appropriate correction, refund or other remedy.
The Company will assess such requests fairly and in accordance with the relevant agreement and applicable Malaysian law.
6.7 Refund Request Procedure
Refund requests should be submitted to:
Email: admin@elzarshariah.com
The request should include:
Client name or organisation.
Invoice or transaction reference.
Date and amount of payment.
Description of the service purchased.
Reason for the refund request.
Relevant supporting documents, where applicable.
We will acknowledge and review refund requests within a reasonable period.
Approved refunds will ordinarily be processed through the original payment method where technically possible and permitted by the payment service provider.
The time required for refunded funds to appear in the client’s account may vary depending on the payment provider, acquiring institution or card issuer.
7. International Clients and Foreign Card Payments
7.1 International Service Engagements
Elzar provides professional advisory, consultancy, training, research and technology-related services to eligible clients in Malaysia and internationally, subject to applicable laws, regulatory requirements and contractual arrangements.
International engagements may include:
Cross-border Shariah and Islamic finance advisory.
Islamic financial product structuring and regulatory consultancy.
Professional training and educational programmes.
Research and specialised consultancy services.
Financial technology and artificial intelligence solutions.
Other professional services agreed upon with international clients.
7.2 Acceptance of Foreign-Issued Credit and Debit Cards
Elzar may accept eligible foreign-issued credit and debit cards through CHIP, Stripe or any other payment service provider that is duly licensed, registered, approved or otherwise authorised to provide the relevant payment services in Malaysia, as applicable under the regulatory framework administered by Bank Negara Malaysia and other relevant authorities.
The availability of international card payments is strictly subject to the appointed payment service provider’s approval, confirmation and activation of the relevant international card processing facilities for Elzar’s merchant account.
International card payments will only be offered after the relevant payment service provider has confirmed that the facility is approved, activated and operational for the Company.
Acceptance of a particular foreign-issued card is not guaranteed and remains subject to the requirements of the payment provider, acquiring institution, card issuer and applicable payment network.
7.3 Currency and Foreign Exchange Conversion
Unless otherwise specified in the applicable quotation, invoice or agreement, payments are charged in Malaysian Ringgit (MYR).
For foreign-issued cards, the card issuer or relevant payment network may convert the transaction amount into the cardholder’s billing currency.
Exchange rates, international transaction fees and foreign currency conversion charges may be determined and imposed by the relevant financial institution or payment network.
Such charges are outside Elzar’s control unless expressly stated otherwise.
7.4 Cross-Border Regulatory Compliance
International payment transactions are subject to applicable Malaysian laws, relevant payment provider requirements, anti-money laundering and counter-terrorism financing requirements, applicable sanctions restrictions and payment network rules.
Elzar may request additional transaction verification or supporting information where reasonably necessary for compliance purposes.
We reserve the right to decline or restrict transactions involving suspected fraud, prohibited activities, restricted parties or other circumstances where processing would contravene applicable laws or payment provider requirements.
7.5 Alternative Payment Arrangements
Where international card payments are unavailable or unsupported, clients may be offered alternative authorised payment arrangements, including bank transfers or other permitted payment methods.
Any such arrangement will be subject to the Company’s acceptance, the applicable financial institution’s requirements and relevant Malaysian laws.
8. Limitation of Liability and Dispute Resolution
8.1 Professional Services
Elzar provides professional services with reasonable care, diligence and skill, based on the agreed scope of engagement.
Unless expressly provided in the relevant agreement or required by law, the Company does not guarantee a particular commercial outcome, regulatory decision or financial result.
8.2 Limitation of Liability
To the extent permitted by applicable law, contractual liabilities and remedies will be governed by the relevant service agreement.
Nothing in these terms excludes liability or statutory protections that cannot lawfully be excluded or restricted.
8.3 Complaints and Disputes
Clients are encouraged to contact Elzar promptly regarding concerns involving services, contractual performance, invoices, payments, cancellations or refunds.
We will endeavour to address complaints fairly, professionally and within a reasonable timeframe.
Any unresolved dispute will be subject to the applicable contractual dispute-resolution provisions and governing law.
8.4 Governing Law
These terms are governed by and interpreted in accordance with the laws of Malaysia, subject to applicable mandatory legal protections and any enforceable dispute-resolution arrangements.
9. Amendments to This Policy
Elzar may update or amend this policy to reflect changes in business operations, professional services, legal requirements, technology arrangements or payment processing procedures.
The latest version will be published on our official website with the relevant effective or revision date.
Material changes affecting existing engagements will be addressed in accordance with the relevant contractual arrangements and applicable law.
10. Contact Information
For enquiries relating to our services, quotations, payment methods, transaction matters, refunds, cancellations, privacy or contractual terms, please contact:
ELZAR SHARIAH AND TECHNOLOGY SOLUTION SDN. BHD.
Company Registration No. (SSM): 201601035708
Official Website: https://elzarshariah.com
Email: admin@elzarshariah.com
Registered / Business Address: 5-1F, Pinggiran Mutiara Gombak, 53100 Gombak, Wilayah Persekutuan Kuala Lumpur
Telephone: +603 6177 4612 or +6011 2607 7990
Our Commitment
Elzar is committed to maintaining transparency in professional engagements, protecting client information, communicating fees clearly, facilitating secure payment arrangements and conducting its business responsibly in accordance with applicable Malaysian laws and regulatory requirements.