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Terms and Conditions

 

Effective date: 22nd September 2026

These Terms and Conditions apply to marg-analytics.com and the digital products, educational programs and services offered under the Marg Analytics brand.

Marg Analytics is operated by MARG ANALYTICS SOLUTIONS (Registration No. 202603220378 (JM1049063-U)), a sole proprietorship registered in Malaysia.

By purchasing, registering for or using a Marg Analytics product or program, you agree to these Terms and Conditions.

1. Educational purpose

Marg Analytics provides educational content related to Excel, PivotTables, Power Query, Power BI and data analysis.

Our materials are provided for learning and general informational purposes. We do not guarantee employment, examination results, business outcomes, income or any particular level of performance.

2. Program requirements

Product and program descriptions explain the intended skill level and prerequisites.

The Excel PivotTables Practice Program is a practice-based program and not a complete beginner course. Participants should already know how to create a basic PivotTable and add fields to the Rows, Columns and Values areas.

It is your responsibility to confirm that a product is suitable for your needs before purchasing.

3. Purchases and payments

Prices are displayed in the currency shown on the relevant product or checkout page.

Payments are processed through third-party payment providers. You are responsible for providing complete and accurate purchasing information.

Discounts and coupon codes:

  • Must be used before their stated expiry or usage limit

  • Cannot normally be applied after a purchase is completed

  • Cannot be exchanged for cash

  • May be limited to specific customers, products or promotions

  • Must not be shared when issued for an individual customer or customer group

4. Digital access and lifetime access

Access instructions are normally provided through the website, your Marg Analytics account or the email address used during registration.

“Lifetime access” means continued access to the purchased version of the program for as long as that program continues to be offered and maintained by Marg Analytics.

It does not mean the lifetime of the purchaser or guarantee that the website, platform or program will operate indefinitely.

Updates explicitly added to the purchased program may be included. Separate future courses, programs, products or services are not included unless expressly stated.

If a product or platform must be discontinued, we will make reasonable efforts to provide advance notice or an alternative way to access essential purchased materials where reasonably possible.

5. Copyright, intellectual property and permitted use

Unless otherwise stated, the original content provided through Marg Analytics—including course materials, Excel workbooks, datasets, practice activities, business scenarios, questions, instructions, solution materials, videos, graphics, written content and downloadable files—is owned by MARG ANALYTICS SOLUTIONS and protected by applicable copyright and intellectual-property laws.

Purchasing or joining a program gives you a limited, personal, non-exclusive, non-transferable licence to access and use the materials for your own learning. Ownership of the materials is not transferred to you.

You may download and modify the provided Excel files for your own learning and practice.

Unless you have received prior written permission from MARG ANALYTICS SOLUTIONS, you may not:

  • Share, sell, sublicense or redistribute the materials

  • Share your account, login details or private access links

  • Upload the materials to websites, shared drives, social-media platforms, learning platforms or file-sharing services

  • Reproduce or publish the questions, datasets, scenarios, solution materials or substantial portions of the program

  • Record, copy or redistribute program videos

  • Remove or conceal copyright, ownership or branding notices

  • Use the materials to create, teach or sell a substantially similar product, course, workshop or practice pack

  • Claim the materials, their design or their original content as your own

  • Use the materials for commercial training, internal company training or client work without written permission or an appropriate licence

You may share your own completed PivotTables, personal observations and learning outcomes, provided that you do not disclose or distribute the underlying program files, questions, solutions or substantial portions of the protected materials.

All third-party product names, software names, trademarks and logos—including Microsoft and Excel—remain the property of their respective owners. Their appearance in the program does not imply ownership, sponsorship or endorsement by MARG ANALYTICS SOLUTIONS.

Nothing in this section restricts any use that cannot lawfully be restricted under applicable law.

Suspected unauthorised use or distribution may result in suspension or termination of program access and, where appropriate, further action to protect our rights.

6. Program groups and conduct

When participating in a program group or discussion area, you agree to communicate respectfully and avoid:

  • Harassment, abusive conduct or discrimination

  • Spam or unrelated promotion

  • Sharing confidential or personal information belonging to someone else

  • Uploading unlawful, infringing or harmful material

  • Sharing purchased materials with people who have not joined the program

We may moderate or remove content and restrict group or program access where these rules are seriously or repeatedly breached.

7. Support

Support may be provided through email or the applicable program Q&A group.

Unless expressly included in the product description, purchasing a program does not include private coaching, personalised consulting, file completion or guaranteed immediate responses.

Any stated response time is an estimate rather than a guarantee.

8. Refunds

Refund requests are governed by the Refund Policy published on this website.

Nothing in these Terms excludes any rights that cannot lawfully be excluded under applicable consumer law.

9. Availability and changes

We may update program layouts, files, videos, platform features or instructions when reasonably necessary to improve the program, correct errors or accommodate technical changes.

We do not guarantee uninterrupted or error-free website access. Temporary interruptions may occur because of maintenance, internet outages or third-party service providers.

10. Limitation of responsibility

You are responsible for how you use the knowledge, templates and files provided.

To the extent permitted by law, MARG ANALYTICS SOLUTIONS will not be responsible for indirect or consequential losses arising from the use of, or inability to use, the website or educational materials.

Nothing in these Terms limits responsibility where doing so would be unlawful.

11. Termination of access

We may suspend or terminate access where there is evidence of fraud, unauthorised sharing, intellectual-property infringement, payment reversal, abusive conduct or another serious violation of these Terms.

12. Governing law

These Terms are governed by the laws of Malaysia. Any disputes will be subject to the applicable jurisdiction of the Malaysian courts, unless applicable consumer law requires otherwise.

13. Changes to these terms

We may update these Terms when our products, services or legal obligations change. The revised version will be published on this page with an updated effective date.

14. Contact

MARG ANALYTICS SOLUTIONS
Registration No. 202603220378 (JM1049063-U)
Email: hello@marg-analytics.com

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