Subscription terms, payment disclosures, and policies

Merchant and payment information

Corporate / merchant name

Izu Consultancy and Training

Trading name

IzuConsultancy / Maldives Tourism Observatory

Permanent establishment / postal address

G. Ashariz, Male', 20018, Maldives

Merchant outlet country

Maldives

Customer service email

[email protected]

Customer service phone

+9607893456

Transaction currency

MVR

Payment method

Cards accepted through the Maldives payment gateway.

Goods and services description

MTO provides digital Maldives tourism intelligence products, including monthly insights, operator notes, source-market watches, charts, datasets, thematic reports, online insight sessions, custom insights, and institutional advisory support. Delivery is digital unless separately agreed in writing.

Refund, cancellation, return, and exchange policy

• Monthly subscriptions may be cancelled before the next billing period. Access normally continues until the end of the paid period.
• Annual subscriptions may be cancelled for renewal prevention. Refunds for unused periods are assessed case by case where access has not been substantially used.
• Custom insights are refundable before work starts. Once research, analysis, drafting, or delivery has begun, refunds may be partial or unavailable depending on work completed.
• Digital downloads and delivered reports are not returnable in the physical-goods sense. If a delivered file is defective or inaccessible, MTO will replace or re-deliver it.
• Duplicate or mistaken payments should be reported to customer service promptly with the transaction reference.

Delivery policy

Subscriptions are delivered through email, online subscriber access, or downloadable digital files. Access is normally activated after payment confirmation and internal approval. Custom insight timelines are agreed during scoping and depend on data availability, research scope, and client response time.

Legal restrictions, import/export, and customs duties

MTO products are digital information services. No physical import/export or customs duties normally apply. Customers are responsible for ensuring their use, onward sharing, publication, or reliance on MTO materials complies with applicable laws, internal policies, confidentiality limits, and any licence terms agreed with MTO.

Privacy and consumer data policy

MTO collects information needed to process enquiries, subscriptions, delivery, customer support, and compliance records. This may include name, email, organisation, role, message content, selected plan, consent status, access activity, and transaction references. Information is used for service delivery, customer communication, account administration, payment reconciliation, security, and legal compliance. MTO limits access to authorised personnel and uses application security controls to reduce unauthorised access risk.

Payment card security

Card payment details are entered directly into the authorised payment gateway environment. Payment confirmations and transaction references are used for subscription setup, reconciliation, support, and compliance records.

Customer records and acceptance

Customers should retain a copy of their transaction records, subscription confirmation, these policies, and any invoice or receipt issued. Before submitting a subscription request or completing checkout, customers must affirmatively accept the terms, refund/cancellation policy, delivery policy, privacy policy, security policy, and payment disclosures.