Privacy Policy

 

At Joyce Chua Official, we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website or engage with our services.

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1. Information We Collect

• Personal information you provide (name, email, phone, etc.) when you sign up, make inquiries, or purchase services.

• Non-personal information such as browser type, IP address, and site usage (via cookies and analytics).

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2. How We Use Your Information

• To communicate with you regarding services, updates, or inquiries.

• To improve website functionality, user experience, and content.

• To process payments and provide requested services.

• For marketing purposes, only with your consent.

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3. Data Protection

• Your personal data will not be sold, rented, or shared with third parties except as required by law or with trusted partners who help deliver our services.

• We take reasonable security measures to protect your information from unauthorized access.

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4. Your Rights

• You may request access, correction, or deletion of your personal data at any time.

• You may unsubscribe from our mailing list or withdraw consent to data use.

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5. Contact

• For privacy concerns, please contact us at: hello@lumiracircle.com

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Terms & Conditions

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By accessing or using joycechuaofficial.com, you agree to these Terms & Conditions. Please read them carefully.

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1. Use of Website

• This website provides content, coaching, training, and related services for personal and professional development.

• You agree not to misuse the website for unlawful purposes, spamming, or distributing harmful content.

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2. Intellectual Property

• All content on this site (text, images, videos, logos, etc.) belongs to Joyce Chua Official unless otherwise stated.

• You may not reproduce, distribute, or use content without prior written consent.

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3. Coaching & Training Disclaimer

• All guidance, training, or content shared is for educational and informational purposes only.

• Results may vary; Joyce Chua Official makes no guarantees of specific outcomes in life, business, or financial success.

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4. Payments & Refunds

• Payments for coaching, courses, or programs must be made in full unless otherwise agreed.

• Refund policies will be specified per program. Unless stated, payments are non-refundable once the program begins.

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5. Limitation of Liability

• Joyce Chua Official is not liable for any direct, indirect, or incidental damages resulting from the use of our website or services.

• You are responsible for your own decisions, actions, and outcomes based on the content or coaching provided.

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6. Third-Party Links

• This website may include links to third-party websites. We are not responsible for their content or privacy practices.

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7. Governing Law

• These terms are governed by the laws of Malaysia (PDPA compliance) and may apply internationally where relevant.

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8. Changes to Terms

• We may update these Terms & Conditions and Privacy Policy at any time. Changes will be posted on this page.