Terms of Use

Last Updated: October 22, 2025

Please read these Terms of Use carefully before using this website.

1. Overview

The website www.ruidigital.com (“Website”) and its content are owned and operated by RuiDigital (“Company”, “we”, “our”, or “us”). The term “you” refers to the user, visitor, or customer of this Website.

By accessing or using this Website, you agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference.
If you do not agree to these Terms, please do not use this Website.

2. Purpose and Scope

This Website provides digital products, online courses, educational content, and related resources intended to support personal growth, creativity, and business education.

All content is provided for informational and educational purposes only and does not constitute professional, legal, or financial advice.

3. Use of the Website

By using this Website, you represent that:

  • You are at least 18 years old;

  • You will use the Website only for lawful purposes;

  • You will not share or misuse access to purchased materials; and

  • You will not attempt to hack, disrupt, or copy any content from the Website.

We reserve the right to suspend or terminate your access if we believe you are violating these Terms.

4. Intellectual Property Rights

All content on this Website — including but not limited to text, images, graphics, videos, course materials, and digital downloads — is the property of RuiDigital and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or sell any content from this Website without our express written permission.

Purchasing or accessing a course grants you a non-transferable, personal license to use the content for your own learning purposes only. Sharing or reselling content to others is strictly prohibited.

5. Digital Products and Online Courses

All digital products, courses, and downloads are delivered electronically.
Because of the nature of digital goods, all sales are final — refunds are not provided once a product has been accessed or downloaded, except where required by law.

We reserve the right to update or remove course content, bonuses, or materials at any time, while ensuring that customers continue to receive access to equivalent value.

6. Payments

Payments are processed securely through Stripe and PayPal.
We do not store your credit card details on our servers. By completing a purchase, you authorize us (and our third-party processors) to charge your payment method for the amount indicated at checkout.

All prices are listed in USD unless otherwise stated. You are responsible for any applicable taxes, conversion fees, or charges from your payment provider.

7. Account Responsibility

If you create an account to access courses or materials, you are responsible for maintaining the confidentiality of your login details.
You agree not to share your password or account access with others. Any unauthorized use of your account is your responsibility.

We reserve the right to suspend or terminate your access without notice if account misuse is detected.

8. Testimonials and Marketing

We may display testimonials, reviews, or case studies from customers on our Website or social media.
By submitting feedback or testimonials, you grant us permission to use your words, name, and likeness (if provided) for marketing purposes, unless you explicitly request otherwise.

9. Third-Party Tools and Links

Our Website may include links to third-party websites, products, or services. These are provided for convenience only.
We are not responsible for the accuracy, content, or practices of any third-party site. Visiting those sites is at your own risk, and their terms and privacy policies will apply.

10. Earnings Disclaimer

While we share strategies, insights, and tools for growth, we make no guarantees of financial, business, or personal results.
Your success depends on your own effort, background, and circumstances.
You acknowledge that RuiDigital is not liable for any outcomes or losses resulting from your use of our content or products.

11. Limitation of Liability

To the fullest extent permitted by law, RuiDigital shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Website, its content, or any products purchased.

You agree to use this Website at your own risk. If you are dissatisfied with any part of the Website, your sole remedy is to discontinue using it.

12. Indemnification

You agree to indemnify and hold harmless RuiDigital, its owners, affiliates, employees, and agents from and against any claims, damages, losses, liabilities, or expenses (including legal fees) arising from your use of the Website, violation of these Terms, or infringement of any third-party rights.

13. Termination

We reserve the right to terminate or restrict your access to the Website, products, or community areas at any time for violating these Terms or engaging in behavior we deem inappropriate or unlawful.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles.
Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in Malaysia.

15. Updates to These Terms

We may revise or update these Terms from time to time.
Any changes will be effective immediately upon posting on this Website. The “Last Updated” date above reflects the latest version.
Your continued use of the Website signifies acceptance of the revised Terms.

16. Contact

For any questions about these Terms, please contact:
📧 ruichen@ruidigital.com
🌍 RuiDigital, Malaysia