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Terms and Conditions

Last Update Aug 11,2015

Welcome to Joy&Co website, please read the Terms of Service carefully as that governs your use and access to our website as well as provision of our products and services. Terms of Service will constitute a legally binding agreement. The use of the website is contingent upon your acceptance of our Privacy Policy and the following Terms of Service. These terms may be updated by us from time to time without specific notification to you. Your continued use of this site after we post any changes to the terms will constitute your agreement of such changes. Please be sure to read and review these terms and privacy policy before ordering products or using our services.In the event if you do have any enquiries please send an email to our customer service.

1. Definitions

"Seller" means Joy&Co website which is a subsidiary and product of Troika Design. "Buyer" means the person whose name is printed on the Order. "Contract" means the order and Order Confirmation (incorporating any Special Conditions) "Goods" means the goods or services which the Seller is to sell in accordance with these Terms and Conditions. "Order" means the Buyer's order for Goods or services. "Order Confirmation" means the Seller's Order confirmation. "Price" means the price together with postage and packing in force at the date and time of the Order, subject to any promotional offer or discount then applicable. "Terms and Conditions" means the standard terms and conditions of business set out in this document.

2. Rules of Conduct

The following Rules of Conducts apply to the use of our website, product services and user submissions. Subject to your compliance with these Terms of Service, we grant you non-exclusive, non-transferable, limited rights and license without the of sublease, to access and use website including any text, images, graphics, files, data, sounds, links and other material incorporated on our site. When using our site, you may not

  • Use online design tool and website communication system for any commercial solicitation purposes.
  • Use our website and products to promote products or services provided by Joy&Co competitors.
  • Infringe or violate any patent, copyright, trademark, trade secret or other property right.
  • Violate the rights of others, including but not limited to privacy rights and rights of publicity.
  • Uploading photographs of people who have not given permission for their photographs to be shared publicly.
  • Impersonate any person or entity or use any fraudulent, misleading and inaccurate contact information.
  • Upload, transmit, or email any user submission that is libelous, defamatory, pornographic, sexually explicit, unlawful or plagiarized.
  • Transmits any software or files which may contain any viruses, trojan horses, worms, defects of destructive in nature.
  • Post objectionable material containing hate, malicious content, offers of adult services, or material advocating terrorism or violence.
  • Violate any applicable law or regulations.

  • If you fail to comply with the above rules, such failure will constitute a violation of these Terms, and, in addition to any other rights or remedies we may have, we may immediately terminate your access to and use of our website

    3. Basis of Sale

    The parties expressly exclude any terms and conditions which the Buyer includes in any purchase order, confirmation of order or other document.

    4. Orders and Specifications

    All Goods are offered for sale subject to availability and Seller's acceptance of the Order. The Seller reserves the right to reject any Order without the obligation to assign. The Seller has a policy of continuous product development and reserves the right to amend the specifications of any of the Goods without prior notice. We make reasonable efforts to accurately display the attributes of our products, including the applicable colors; however, the actual color you see will depend on your computer system, and we cannot guarantee that your computer will accurately display such colors.

    5. Price, Payment and Currencies

    The Buyer shall be responsible for all applicable taxes, including taxes applicable in the territory to which the Goods are sent. Payment must be made by credit card or debit card or Bank Transfer at the time of placing an Order. Payment which is made in full will be deemed a valid contract. The Seller reserves the right to obtain validation of the Buyer's credit card, debit card or PayPal details before accepting the Buyer's Order.

    6. Delivery

    The delivery of the Goods will be as shown on the Order unless it is specifically agreed otherwise shall be on regular postage. The dates for delivery of the Goods are estimates only. Delivery time is not an essence in this contract. Seller shall exclude all liability for any loss or expenses sustained by the Buyer. In the event if the Buyer fails to take delivery of the Goods, the Seller shall under no obligation to refund the goods.

    7. Risk and Property

    Seller will not be liable for any risk and/or damage and/or loss of the Goods when it is delivered to the buyer. The Goods will not pass to the Seller until the Seller has received full payment of the purchase price and all other sums which are due, owing or payable.

    8. Returns, Refunds and Rights of Cancellation

    The Buyer shall obtain absolute discretion from Seller for any cancellation and/or refunds and/or returns of Goods.

    9. Limitation of Liability

    The Seller will not be liable for any delivery and/or defective Goods unless a claim is notified to the Seller in writing and upon reasonable inspection of the Goods, the Buyer should have become aware of such defect. The Seller will not be liable in any way for loss, damage, costs or expenses (including loss of profit) arising directly or indirectly from any failure or delay in performing any obligation under this Contract.


    10. Intellectual Property Rights

    This website is a registered website under the Seller. All rights as to content, services, and server information are reserved. Any modification made to the content of this website by a third party is a violation of Seller's copyright. website may contain other proprietary notices and/or copyright information, the terms of which must be adhere, observed and followed.

    Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the website or any information displayed on the website, through the use of framing or otherwise, except: (a) as expressly permitted by these Terms and Conditions of Business; or (b) with the prior written permission of Seller or the prior written permission from such third party that may own the trademark or copyright of information displayed on the website.

    The logo, name, and other marks indicated on the website are the subject of applications for trademarks or registered trademarks of the Seller in the Asia Pacific and/or other jurisdictions. Seller and its licensors maintain all of the rights in and to the graphics, logos, page headers, button icons, scripts and service names are the trademarks or trade dress of Troika Design. Sellers trademarks and trade dress may not be used in connection with any product or service that is not Seller’s, in any manner that is likely to cause confusion among customers or in any manner that disparages or discredits Seller. All other trademarks not owned by Seller that appear on this website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Seller.

    The Buyer agrees that as an express condition of the holding of an account with the Seller the Buyer shall not use the service offered by the Seller to infringe the intellectual property rights of others in any way, including any intellectual property rights in images, fonts and the like that may be uploaded by Buyer to the Seller’s online service. Buyer will be solely and fully responsible for any claims or other losses arising out of Buyer’s actual or alleged infringement of any such rights. In addition (and without limitation), Seller reserves the right, with or without notice, to terminate forthwith the account of any Buyer who infringes (or who is alleged to have infringed) the copyrights or other intellectual property rights of any third party and to remove all such infringing (or allegedly infringing) material from the website.

    Troika Design provides an automated internet-based service and application to users, which they can use to design prints and cards. We prohibit the use of our service to make prints that infringes on third party intellectual property rights (such as trademarks, copyrights, logos, and right of publicity). We encourage intellectual right property rights owners to contact us if they believe a user of our service has infringed their rights by contacting us at .

    In the event if there is any copyright complaints by third parties, Seller’s will respects the intellectual property of others. If you are a third party and believe that your work has been copied in a way that constitutes copyright infringement, please provide Seller with the following information:

  • an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  • a description of the copyrighted work that you claim has been infringed; and the place where the material that you claim is infringing is located on the website;
  • your address, telephone number, and email address;
  • a statement that your claim of infringement is based on a good-faith belief;
  • a statement made under penalty of perjury, that the information you have provided is accurate and that you are the copyright owner or authorised to act on the copyright owner’s behalf.

  • Seller’s agent for notice of claims of copyright infringement on its site can be reached as follows:
    Legal Department
    Troika Design
    S04, Ground Floor, The Peak Suite,
    Jalan Signal Hill, 88400 Kota Kinabalu,
    Sabah, Malaysia.

    11. Data Protection

    At Troika Design, your privacy is our utmost concern. By giving us your personal details it will be deemed as an act of trust. We’ll tried to make it transparent and explain what a Cookie is, and how we use it. Whenever you are asked for personal information while visiting (and where Cookies are being used), you’ll be able to read our Privacy Policy.

    12. Our commitment to the privacy of children

    Protecting the privacy of the very young is extremely important to Troika Design. No part of our website is structured to attract anyone under 13. We never seek to collect or maintain information from those under the age of 13, however if it comes to our attention that we have received information with regards to child under the age of 13 we’ll immediately delete their information from our records.

    13. Information Sharing and Disclosure

    Troika Design is committed in protecting your personal information. We will not disclose your personal information to third parties prior to your consent except for:

  • Legal purposes - In the event if there is any complaint made by a third party to us. We reserve the right to disclose your personal information.
  • Performance of our operations - The service is necessary for the performance of our operations: mail delivery, hosting services, protecting us from fraud, and payment of your account.

  • 14. Controlling Your Personal Information

    We will not supply your personal data to a third party for commercial exploitation unless explicitly authorized by you. The only circumstances which we will disclose your personal data to a third party is for non-commercial purposes which is contained in this Privacy Policy.

    15. Security and Prevention Against Loss, Misuse Or Alteration Of Information

    All information given to us may be stored on secured servers with firewall protection. Troika Design has adopted latest technology and security features, as well as strict internal guidelines to safeguard the privacy of your personal information from any unauthorized access or improper use. We will continue to enhance security as new technology becomes available.

    For transmitting your personal information to us, we use a secure server with a 128-bit SSL certificate that encrypts all of your personal information. This encryption process ensures that the information you give us is protected against unauthorized use. account information had design a password-protected for your privacy and security. You can play an important role by keeping your personal information secure by maintaining the confidentiality of your password used on You are responsible for keeping the information up to date for smooth purchase transaction and also safeguarding the confidentiality of your username and password to access our site. You agree to be solely and fully responsible for any activities or actions taken under your account whether or not such activities or actions are authorized by you. We recommend that you change your password from time to time for extra security.Please immediately notify Troika Design of any unauthorized use of your account. You must be 18 years of age to create a member account, and if you are not, please do not set up member account on our website.

    16. Online Purchase

    Certain information would be required in order to purchase any products or services from our website, including, without limitation, payment and other credit card information. All information furnished will be treated with upmost care and privacy as described in our Privacy Policy. Joy&Co do not store any credit card information on our website. All information provided to third party payment services or processers must be current, valid and complete for a successful transaction. By making a purchase online, you warrant and represent that you have legal right to use the credit card or any payment methods for the transaction. You agree to pay all charges incurred by you or any users of your account at the prices in effect when the transaction occurred.

    Product description, images, features, specifications, price, availability are subject to change without notice, current prices can be found on Joy&Co website. We make reasonable efforts to accurately display the attributes of our products, including the applicable colors; however, the actual color you see will depend on your computer system, and we cannot guarantee that your computer will accurately display such colors.

    17. Advertising

    Companies and individuals registered with Troika Design Affiliate Program receive aggregate information about customers that is directed to through links on their web site. However, no personally identifiable information is provided to affiliate members; the information collected from our affiliates is used strictly for the affiliates program and will not be used for other purposes. The Troika Design Service may include interactive advertising for other businesses. We may use, and provide to third parties, anonymous demographic data provided by users to target this advertising.

    18. Opt-Out Policy: Your Ability To Edit And Cancel Your Account

    You can access your account on the site to update and correct the details that we gathered when you subscribed.You must log in to access this information and all information is password-protected. User has the right to unsubscribe from Joy&Co newsletter and website at any time.

    19. Changes To This Privacy Policy

    Occasionally, Troika Design will review and possibly change or edit this policy in accordance with potential changes to our business and as required by law. Troika Design reserves the right to change its Privacy Policy at any time.

    20. Third Party Sites, Softwares and Services

    Our website may direct you to sites, software or services owned or operated by third parties. We do not have control over or responsible for 1)operation of their site 2)terms of service and privacy policy. We have not reviewed all of the Third Party Properties to which you may be directed and we have no control over such Third Party Properties. We have no control over and are not responsible for (a) the content and operation of such Third Party Properties, or (b) the privacy or other practices of such Third Party Properties. The fact that our Sites and Apps direct you to such Third Party Properties does not indicate any approval or endorsement of any such Third Party Properties. We direct you to such Third Party Properties only as a convenience. You are responsible for the costs associated with such Third Party Properties, including any applicable license fees and service charges. Accordingly, we strongly encourage you to become familiar with the terms of use and practices of any such Third Party Properties.Other sites may provide links to our Sites and Apps with or without our authorization. We do not endorse such sites, and are not and will not be responsible or liable for any links from those sites to our Sites and Apps, any content, advertising, products or other materials available on or through such other sites, or any loss or damages incurred in connection therewith.

    21. Contacting Troika Design

    If you have any questions about this privacy policy, the practices of this site, or your dealings with Troika Design, you can contact us. You can also use this address if you wish to request from Troika Design a copy of the personal data we hold about you.

    Troika Design
    S04, Ground Floor, The Peak Suite,
    Jalan Signal Hill, 88400 Kota Kinabalu,
    Sabah, Malaysia.

    22. Courts Jurisdiction

    Governing Law and Jurisdiction of this Contract shall be governed by and construed in accordance with the laws of Malaysia. The parties irrevocably agree that the courts of the state of Sabah have non-exclusive jurisdiction to settle any disputes which may arise in connection with the Contract.

    23. General and Miscellaneous

    Any notice given or made under the Contract shall be in writing. A notice served on the Seller will be as per the address provided by the Buyer and on the Buyer at the address stated on the Order, and if so addressed, will be deemed to have been duly given or made as follows: if sent by personal delivery, upon delivery at the address of the relevant party; or if sent by first class post, two clear business days after the date of posting The Seller and the Buyer may notify each other of a change in their name, relevant addressee and address for the purpose of this Section and this notification will only be effective on: the date specified as the date on which the change is to take place; or if no date is specified or the date specified is less than five clear business days after the date on which notice is given, the date falling five clear business days after notice of any change has been given. This Section will not apply in relation to the formal service of any court documentation or other document arising in connection with any disputes under the Contract. If the Seller does not exercise a right or power when it is able to do so this will not prevent it exercising that right or power. When it does exercise a right or power it may do so again in the same or a different manner. The rights of the Seller and the Buyer and remedies under the Contract are additional to and not in derogation of, any other rights and remedies they may have at law.

    If any term or provision in the Contract is found to be void, against public policy, or unenforceable by a court of competent jurisdiction and such finding or order becomes final with all appeals exhausted, then the offending provision shall be deemed modified to the extent necessary to make it valid and enforceable. If the offending provision cannot be so modified, then the same shall be deemed stricken from the Contract in its entirety, and the remainder of the Contract shall survive with the said offending provision eliminated.

    Website Availability
    Because public networks, such as the internet, occasionally experience disruptions, the Seller cannot guarantee the website will be available 100% of the time. Although the Seller strives to provide the most reliable website possible, interruptions and delays in accessing the website are unavoidable and the Seller disclaims any liability for damages resulting from such problems. Typographical Errors Information on website may contain technical inaccuracies or typographical errors. The Seller attempts to make its descriptions as accurate as possible, but does not warrant that the content of the website is accurate, complete, reliable, current, or error-free. License Seller grants to the Buyer a personal, limited, non-exclusive, and non-transferable right to access and use the content on the website solely for the purpose of purchasing Goods or other services provided through the site. All use must be in accordance with all Terms of Service, including the Privacy Policy.

    Review of Proofs
    Troika Design provides the state-of-art design tool for you to personalize and customize cards to your heart's desire. It’s up to the customer’s responsibility to review the final design before submission. Due to the personalized nature of our products, we would not be able to accept returns. We encourage our customer to review the final design thoroughly and take ample time in finalizing the design. Although Troika Design will attempt to a final proof prior to production, we would not be held accountable for mistakes, spelling errors, typos, placement errors, etc. made by the customers.

    Off-Site Links
    A link to a website does not mean that the Seller endorses or accepts any responsibility for the content or the use of such website. It is up to the Buyer to take precautions to ensure that whatever it selects for its use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature.

    All Sections and section headings are for convenience of reference only and shall not affect the interpretation of the Contract. User Registration, Eligibility and Account Activity. In registering for a user name, the Buyer acknowledges and represents that he/she is an individual of at least 18 years of age who can form legally binding contracts under applicable law. The Buyer agrees to keep the username and password confidential. The Buyer further guarantees that the information supplied to the website is accurate. Falsifying or omitting contact information such as a member's name, address, and/or telephone number when registering with is not permitted. Users are also not permitted to use fax or disconnected numbers as a telephone number. When using this website the Buyer must obey all applicable international, federal, state, and local laws.

    User Suspension and/or Termination
    The Seller, in its sole discretion, may terminate the Buyer's user registration and account for reasons but not limited to. Violation of Terms of Service and Privacy Policy.

  • Request by law enforcement or government agency.
  • Request of the account owner by authorized agent.
  • Extended period of inactivity.
  • Non-payment of fees owed by you and delinquency in connection to our website.
  • Engagement in fraudulent and illegal activities.
  • The Buyer agrees that breach of any of the terms in the Contract may also result in the immediate termination of the Buyer’s user registration and/or give rise to civil action against the Buyer. Upon termination of your account, you will no longer have rights to access your account on our website or affiliated design application tools. Troika Design may delete all information, files and materials related to your account, including any user submitted materials, and we will have no obligation whatsoever to save or make any such information, files or materials available to you.

    Seller's Right of Removal of Materials
    The Seller reserves the right at any time with or without the Buyer's prior consent and without liability to the Buyer in that regard to delete from the website all personal information, data, text, files, images and all other materials of the Buyer and to prevent the Buyer from obtaining access to any such data. In particular, it is the absolute policy of the Seller to reject any materials which, at the Seller's sole discretion, it considers to be obscene, in bad taste or in any other way inappropriate (whether or not to print such materials would be illegal or unlawful).

    Buyer Indemnification of Seller
    The Buyer agrees to indemnify the Seller and its affiliates, employees, agents, representatives and third party service providers, and to defend and hold each of them harmless, from any and all claims and liabilities (including attorneys fees) which may arise from the Buyer's submissions to the Seller's website, and/or from the Buyer's unauthorized use of material obtained through the Seller's website, and/or from the Buyer's breach of the Contract, or from any other loss or damage of whatever kind suffered by the Seller caused by the Buyer's use of the Seller's website. Seller's Right of Change and Amendment. The Seller reserves the right to make changes from time to time to the nature of and/or the way in which it provides it services under contracts with Buyers and, in consequence, to make variations and amendments to the Terms of Service and Privacy Policy. Buyers who use the Seller's services on a regular basis should check the relevant links regularly before placing Orders.