Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "We / Us / Our" refers to Wangsa Pelangi, a financial education provider based in Johor Bahru, Malaysia.
• "Participant" or "You" refers to any individual who enquires about, enrols in, or attends a Wangsa Pelangi programme.
• "Programme" refers to any scheduled financial education offering, including the Courtyard Walk, Considered Investing Foundations, and the Whole-Picture Retirement Engagement.
• "Session" refers to an individual meeting forming part of a Programme.
• "Materials" refers to handouts, written summaries, and other documents provided as part of a Programme.
• "Agreement" refers to these Terms and Conditions together with any enrolment confirmation issued by us.

2. Acceptance of Terms

By submitting an enquiry form, making payment, or attending any session, you confirm that you are at least 18 years of age and have the legal capacity to enter into this Agreement. If you are enrolling on behalf of another person, you confirm that you have authority to do so and that the participant accepts these terms.

3. Programme Description and Availability

Wangsa Pelangi offers financial education programmes as described on this website. We reserve the right to adjust session content, format, timing, and facilitator allocation in order to maintain programme quality. Our programmes are conducted primarily in Johor Bahru, Malaysia. Private sessions within the Whole-Picture Retirement Engagement may be conducted online by prior arrangement.

We reserve the right to postpone or cancel a programme intake if minimum enrolment is not reached. In such cases, participants will be notified promptly and offered a full refund or a transfer to the next available intake.

4. Enrolment

Enrolment in a programme is confirmed upon receipt of full payment (or, where an instalment arrangement has been agreed, the first instalment) and written confirmation from us. Places are allocated on a first-come, first-served basis. Enquiring does not constitute enrolment.

Participants in the Considered Investing Foundations course are subject to a group size cap of fourteen. We will confirm your place and the intake dates at the time of enrolment.

5. Fees and Payment

Programme fees in Malaysian Ringgit (RM) are as published on this website at the time of enquiry:

• The Courtyard Walk: RM 700 per participant
• Considered Investing Foundations: RM 1,920 per participant
• Whole-Picture Retirement Engagement: RM 2,790 per participant

Fees are inclusive of all materials. Payment is accepted via bank transfer and DuitNow. For the Whole-Picture Retirement Engagement, a two-instalment arrangement is available on request — the first instalment is due before the programme begins and the second is due before the midway review session.

Fees are published in Malaysian Ringgit and all payments are made in Malaysian Ringgit.

6. Cancellation and Refund Policy

6.1 Cancellation by participant

• Cancellation 14 or more days before the first session: full refund, less a RM 50 administrative fee
• Cancellation 7 to 13 days before the first session: 50% refund of the total programme fee
• Cancellation less than 7 days before the first session, or after the programme has begun: no refund

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

6.2 Cancellation by Wangsa Pelangi

If we cancel a programme or individual session due to circumstances within our control, we will offer either a full refund or rescheduling at no additional cost. We are not liable for additional expenses incurred by the participant (e.g., travel costs) in connection with a cancelled session.

7. Participant Conduct

Participants are expected to engage with sessions in good faith and to treat facilitators and other participants with respect. We reserve the right to exclude a participant from further sessions without refund if their conduct materially disrupts the programme for others or is inconsistent with the confidentiality expectations described in Section 8.

8. Confidentiality

Participants in group programmes agree to treat personal financial information shared by other participants as confidential and not to disclose it outside the programme setting. This obligation survives the end of the programme. We maintain the same obligation with respect to personal financial information shared with us during private sessions.

9. Nature of Our Programmes — Not Financial Advice

Our programmes are educational in nature. Nothing communicated in any session, material, or written summary constitutes personal financial advice, investment advice, or a recommendation to purchase any financial product or service. We are not licensed to provide financial advisory services under the Capital Markets and Services Act 2007 or the Financial Services Act 2013.

Participants are encouraged to consult a licensed financial planner or adviser for personalised advice before making financial decisions.

10. Intellectual Property

All programme materials, handouts, written summaries, and session content are the intellectual property of Wangsa Pelangi. Participants are granted a personal, non-transferable licence to use materials for their own reference. Materials may not be reproduced, distributed, or used for commercial purposes without our written permission.

11. Limitation of Liability

To the extent permitted by Malaysian law, our total liability to a participant arising out of or in connection with any programme shall not exceed the fee paid by that participant for that programme. We are not liable for indirect, consequential, or special loss of any kind, including financial loss arising from decisions made in reliance on programme content.

We are not liable for programme disruption caused by circumstances beyond our reasonable control, including but not limited to natural events, civil unrest, public health measures, or utility failures.

12. Indemnification

You agree to indemnify and hold harmless Wangsa Pelangi and its facilitators from any claim, loss, or liability arising from your breach of these Terms, your conduct during a programme, or your misuse of programme materials.

13. Termination

We may terminate a participant's enrolment without refund if they breach these Terms in a material way. A participant may withdraw from a programme subject to the refund policy in Section 6. Sections 8, 9, 10, and 11 survive termination or completion of a programme.

14. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Malaysia. Any dispute arising from these Terms or any programme shall first be addressed through informal negotiation between the parties. If informal resolution is not achieved within 30 days, the dispute shall be referred to mediation before the Kuala Lumpur Regional Centre for Arbitration (KLRCA), or submitted to the jurisdiction of the courts of Malaysia.

15. General

• Entire agreement: These Terms, together with your enrolment confirmation, constitute the entire agreement between you and Wangsa Pelangi.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions continue in full force.
• Waiver: Our failure to enforce any provision does not constitute a waiver of our right to do so in the future.
• Assignment: You may not assign your enrolment or rights under these Terms without our consent.

16. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised "Last Updated" date. Your continued enrolment in or attendance at any programme following an update constitutes acceptance of the revised Terms.

17. Contact

For legal enquiries or questions about these Terms:

Wangsa Pelangi
127 Jalan Skudai, 80300 Johor Bahru, Johor, Malaysia
[email protected]
+60 7-829 5147