Terms and Conditions

1. Agreement to Terms

By accessing or using the Fundwise website at this domain ("Website") or by engaging our financial education services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you should not use our Website or services. These Terms apply to all visitors, enquirers, and clients of Fundwise.

2. About Fundwise

Fundwise is a financial education practice based in Kuala Lumpur, Malaysia. Our registered business address is 23 Jalan Tuanku Abdul Rahman, 50100 Kuala Lumpur, Wilayah Persekutuan. We provide structured financial education programmes for individuals, couples, and organisations. We do not provide regulated financial advice, and nothing on this Website or in our programmes constitutes advice regulated under any Malaysian financial services legislation.

3. Nature of Our Services — Not Financial Advice

Fundwise provides financial education. Our programmes are designed to improve financial literacy and decision-making capability. They do not constitute, and should not be relied upon as, personalised financial advice, investment advice, tax advice, legal advice, or any other form of regulated professional advice.

Our educators are not licensed financial advisers under the Capital Markets and Services Act 2007, the Financial Services Act 2013, or any other Malaysian regulatory framework that governs the provision of financial advice. If you require personalised financial planning, investment recommendations, or similar regulated services, you should engage a licensed professional.

Any financial information shared in our sessions is for educational purposes. Outcomes depend on individual circumstances, decisions, and conditions outside our control, and we make no representation that any particular result will be achieved.

4. Programme Enrolment and Payment

Enrolment in a Fundwise programme is confirmed once you have received a written confirmation from us and payment has been received in full or as otherwise agreed in writing. Programme fees are as listed on our Website at the time of enquiry, subject to any agreed variations.

• Payment is due in accordance with the terms communicated at time of booking.
• We accept payment by bank transfer. Details will be provided upon confirmation of your place.
• Prices are inclusive of all programme materials and sessions as described for each programme.
• Fundwise reserves the right to adjust programme fees for future enrolments. Fees agreed at the time of booking will be honoured for that booking.

5. Cancellations and Rescheduling

We understand that circumstances change. The following cancellation and rescheduling terms apply:

• Cancellation by you (more than 7 days before first session): A full refund will be issued, less any administrative fees incurred.
• Cancellation by you (7 days or less before first session): A 50% refund will be issued. We are not able to offer a full refund within this period due to preparation and scheduling commitments.
• Cancellation by you after the programme has commenced: No refund will be issued for sessions already completed. We will discuss a proportional credit for undelivered sessions on a case-by-case basis.
• Rescheduling: You may request to reschedule a session by giving at least 48 hours' notice. We will do our best to accommodate reasonable requests. Rescheduling within 48 hours may not always be possible.
• Cancellation by Fundwise: In the unlikely event that we need to cancel a confirmed programme, we will notify you as promptly as possible and issue a full refund. We are not liable for any indirect or consequential losses arising from such cancellation.

All cancellation requests must be submitted in writing to [email protected].

6. Confidentiality of Session Content

We treat all personal and financial information shared during our sessions as strictly confidential. Our educators will not disclose session content to third parties without your explicit consent, except where required by law.

In return, we ask that participants treat session materials, frameworks, and workbooks as proprietary educational content that is intended for personal use only. Materials provided during programmes may not be reproduced, redistributed, or commercially exploited without our written permission.

7. Participant Conduct

We are committed to maintaining a respectful, judgment-free environment in all our sessions. We ask all participants to engage in a manner that is respectful to our educators and, in group settings, to other participants. Fundwise reserves the right to discontinue a programme for any participant whose conduct is disruptive, abusive, or otherwise inconsistent with a constructive educational environment. In such cases, a partial refund proportional to undelivered sessions may be offered at our discretion.

8. Intellectual Property

All content on this Website — including text, graphics, logos, layouts, and programme materials — is the intellectual property of Fundwise or its content providers and is protected by applicable Malaysian and international intellectual property laws. You may not reproduce, distribute, modify, transmit, or use any content from this Website for commercial purposes without our prior written consent. Personal, non-commercial use of Website content is permitted provided that our copyright notices remain intact.

9. Website Use and Accuracy of Information

While we make reasonable efforts to ensure that information on this Website is accurate and up to date, we do not warrant that all content is error-free or complete. Financial regulations, product information, and market conditions change, and Website content may not always reflect the most current position. You should not rely solely on this Website for financial decisions.

We reserve the right to modify, update, or remove any content on the Website at any time without notice.

10. Third-Party Links

This Website may contain links to third-party websites for reference or informational purposes. These links do not constitute endorsement of those websites or their content. We have no control over and accept no responsibility for the content, privacy practices, or availability of external websites. Access to linked sites is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by Malaysian law, Fundwise, its educators, and associates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Website, reliance on Website content, or participation in our programmes. This includes, without limitation, any financial losses arising from decisions made based on educational content provided in our sessions.

Our total liability to you in connection with our services shall not exceed the total fees paid by you for the relevant programme.

12. Indemnification

You agree to indemnify and hold harmless Fundwise, its educators, employees, and associates from and against any claims, losses, damages, liabilities, or expenses (including reasonable legal costs) arising from your breach of these Terms, your misuse of our Website or services, or any third-party claim arising from your conduct in connection with our programmes.

13. Privacy and Data Protection

Your use of this Website and engagement with our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Website or services, you acknowledge and agree to the terms of our Privacy Policy.

14. Cookies

Our Website uses cookies in accordance with our Cookie Policy. By continuing to use the Website after being presented with the cookie consent notice, you consent to the use of cookies as described in that policy.

15. Amendments to These Terms

We may revise these Terms at any time by updating this page. Revisions take effect immediately upon publication unless otherwise stated. The "Last updated" date at the top of this page indicates when the Terms were most recently revised. Your continued use of the Website or our services following any revision constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

16. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia. If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be severed from the remaining provisions, which shall continue in full force and effect.