Terms & Conditions

Introduction

These Terms and Conditions govern your access to and use of Foundation's financial education services and website. By enrolling in our programmes or using our website, you agree to be bound by these terms. Please read them carefully before proceeding.

Definitions

• "Services" refers to all financial education programmes, consultation sessions, and related educational materials provided by Foundation
• "Participant" or "you" refers to individuals enrolled in our programmes or using our services
• "Content" includes all educational materials, documentation, resources, and information provided through our services
• "Foundation," "we," or "us" refers to Foundation financial education services
• "Agreement" refers to these Terms and Conditions together with any programme-specific terms

Use of Services

Permitted Use

Our services are intended for personal financial education purposes. By using our services, you agree to:

• Use the services for lawful educational purposes only
• Provide accurate and complete information during enrolment and programme participation
• Maintain confidentiality of any login credentials for programme access
• Respect intellectual property rights in all educational materials
• Participate respectfully in group sessions and maintain professional conduct

Age Requirements

Participants must be at least 18 years old. Individuals under 18 may participate with parental or guardian consent and supervision.

Account Responsibilities

You are responsible for maintaining the accuracy of your contact information and notifying us promptly of any changes. You must ensure the security of any programme access credentials and notify us immediately of any unauthorized use.

Prohibited Uses

You agree not to:

• Violate any Singapore laws or regulations
• Infringe intellectual property rights of Foundation or third parties
• Transmit harmful code, viruses, or malicious software
• Attempt unauthorized access to our systems or other participants' information
• Engage in fraudulent activities or misrepresent your identity
• Harass, abuse, or harm other participants or Foundation staff
• Use automated systems to access our website or services
• Resell or redistribute our educational content without authorization
• Record sessions without prior written consent

Intellectual Property

Ownership

All educational content, materials, documentation, and resources provided through our services remain the intellectual property of Foundation. This includes but is not limited to text, graphics, designs, methodologies, and teaching frameworks.

License Grant

We grant you a personal, non-transferable, non-commercial license to access and use educational materials for your own learning purposes during and after programme completion. You may not reproduce, distribute, modify, or create derivative works without our written permission.

Copyright Notices

All educational materials are protected by copyright. You must retain all copyright notices and proprietary markings on any authorized copies.

Payment Terms

Programme Fees

Programme fees are stated in Singapore Dollars (SGD) and include all educational materials and resources specified in the programme description. Fees are subject to change with notice for future programme enrolments.

Payment Timing

Full programme fees are due upon enrolment unless alternative payment arrangements have been agreed in writing. Programme access begins upon receipt of payment confirmation.

Accepted Payment Methods

We accept payment through bank transfer, credit card, and other methods as specified during enrolment. All payments are processed securely through approved payment providers.

Taxes

All fees are inclusive of applicable Goods and Services Tax (GST) as required by Singapore law. Tax invoices will be provided for all payments.

Refund Policy

Cancellation Before Programme Start

Full refunds are available for cancellations made more than 7 days before the programme start date. Cancellations within 7 days of the start date receive a 50% refund. No refunds are provided for cancellations after the programme has begun.

Programme Postponement

If you need to postpone your participation, we will accommodate transfers to future programme dates subject to availability, provided notice is given at least 7 days before the scheduled start.

Refund Processing

Approved refunds will be processed within 14 business days and returned using the original payment method.

Educational Disclaimers and Limitations

Our services provide financial education, not financial advice. Important limitations include:

• No Financial Advice: Our programmes provide educational content about financial concepts and principles. We do not provide personalized financial advice, recommendations, or investment guidance specific to your circumstances
• No Guarantees: We make no guarantees about specific financial outcomes, investment performance, or results from applying programme content
• Educational Purpose: Content is provided for educational purposes and should not substitute professional financial advice tailored to your situation
• Personal Responsibility: You remain solely responsible for your financial decisions and their consequences
• Professional Consultation: We encourage consulting qualified financial professionals for personalized advice before making significant financial decisions

Limitation of Liability

To the maximum extent permitted by Singapore law, Foundation shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services, including but not limited to financial losses, lost opportunities, or business interruption.

Service Availability

Services are provided "as is" without warranties of any kind. We do not guarantee uninterrupted access or error-free operation. Programme schedules and content may be adjusted as necessary with appropriate notice to participants.

Termination

Termination by Foundation

We reserve the right to terminate or suspend your access to services immediately for violations of these terms, fraudulent activity, or conduct that disrupts programmes or harms other participants.

Effects of Termination

Upon termination, your right to access programme materials and participate in sessions ceases immediately. Fees paid for completed sessions are non-refundable. Provisions regarding intellectual property, confidentiality, and liability limitations survive termination.

Dispute Resolution

Informal Resolution

If disputes arise, we encourage participants to contact us first to seek informal resolution. We commit to addressing concerns promptly and fairly.

Mediation

If informal resolution proves unsuccessful, parties agree to attempt mediation through a mutually agreed mediator in Singapore before pursuing other remedies.

Governing Law and Jurisdiction

These Terms are governed by the laws of Singapore. Any disputes will be subject to the exclusive jurisdiction of Singapore courts.

General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any programme-specific terms, constitute the complete agreement between you and Foundation regarding our services.

Severability

If any provision of these Terms is found unenforceable, the remaining provisions continue in full force and effect.

No Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

Notices

Notices to participants will be provided via email to the address provided during enrolment. You must notify us of changes to contact information. Notices to Foundation should be sent to [email protected].

Updates to Terms

We may update these Terms periodically to reflect changes in our services or legal requirements. Significant changes will be communicated via email or prominent website notice. Continued use of services after updates constitutes acceptance of revised terms.

Contact Information

For questions about these Terms and Conditions, please contact: