a) you have changed your mind about an item/subscription;
b) you subscribed an item by mistake;
c) you do not have sufficient expertise to use the subscription/item;
d) you ask for goodwill; or
e) you can no longer access the item because it has been removed (we advise you to download/export your data from time to time as you buy them to avoid this situation).
If the author or we decide to issue a refund or credit (if you have a CIMS account), this will generally be done using the same manner used to make the purchase. So, if the item was purchased using CIMS Credits, you will be given credit in CIMS Credits; if the item was purchased using a particular payment method you will be refunded using the same payment method in reverse. Any payment made to you (not CIMS Credits) will be made in Ringgit Malaysia (MYR), under the rules of the payment method.