Terms & Conditions

1. Definitions

• "Monelore" / "we" / "us": refers to Monelore, the financial education provider operating from 28 Lorong Kuda, George Town, 10200 Penang, Malaysia.
• "Service": the financial education programs, workshops, and related materials offered by Monelore.
• "Participant" / "you": any individual who registers for, attends, or otherwise engages with a Monelore program or website.
• "Agreement": these Terms & Conditions in their current version.
• "Content": all program materials, workbooks, journals, handbooks, and digital resources provided by Monelore.

2. Acceptance of Terms

By registering for a Monelore program, submitting an enquiry form, or using this website, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions. You must be at least 18 years of age and have the legal capacity to enter into this agreement. If you are registering on behalf of a family group, you confirm that you have authority to do so on behalf of all participating members.

3. Description of Services

Monelore provides structured financial education programs delivered in person from our George Town premises. Current programs include Money Mindset Essentials, Understanding Markets & Instruments, and the Family Wealth Conversation Series. Program details, schedules, and inclusions are as described on our website and confirmed in your enrolment correspondence. We reserve the right to adjust program content periodically to maintain accuracy and relevance.

Monelore is an education provider. Nothing in our programs constitutes financial advice, investment recommendation, or a solicitation to purchase any financial product.

4. Registration and Enrolment

• Enrolment is confirmed upon receipt of the required deposit and written confirmation from Monelore.
• Places are limited and allocated on a first-confirmed basis.
• You are responsible for providing accurate registration information.
• Monelore reserves the right to decline enrolment at its discretion.

5. Payment Terms

• A deposit is required to secure your place, with the balance due prior to the first session.
• Payment is accepted via bank transfer or DuitNow in Malaysian Ringgit (RM).
• Receipts will be provided upon payment.
• Program fees are as stated on the website at the time of enquiry.

6. Cancellation and Refund Policy

• Cancellations notified more than 14 days before the first session will receive a full refund of fees paid, minus any transaction costs.
• Cancellations notified between 7 and 14 days before the first session will receive a 50% refund of fees paid.
• Cancellations notified fewer than 7 days before the first session are not eligible for a refund. Where possible, we may offer a transfer to a future cohort at our discretion.
• If Monelore cancels a program due to circumstances beyond our control, participants will receive a full refund or the option to transfer to a rescheduled date.

7. Participant Responsibilities

Participants are expected to:

• Engage respectfully with facilitators and other participants
• Maintain confidentiality regarding personal information shared by others in group sessions
• Not record, reproduce, or redistribute program materials without written permission from Monelore
• Attend sessions on time and notify Monelore in advance if unable to attend

8. Intellectual Property

All program materials, workbooks, journals, handbooks, and other content provided by Monelore are protected by copyright and remain the intellectual property of Monelore. Participants are granted a personal, non-exclusive, non-transferable licence to use materials for their own private learning. Reproduction, distribution, or commercial use of materials is not permitted without prior written consent.

9. Disclaimer

Monelore programs are provided for educational purposes only. We do not provide financial advice, tax advice, or investment recommendations. Participants should seek independent advice from a licensed financial adviser before making any financial decisions. Outcomes described by previous participants are individual and do not constitute a representation that similar outcomes will be achieved by other participants.

10. Limitation of Liability

To the fullest extent permitted by Malaysian law, Monelore's liability to any participant shall be limited to the total fees paid for the relevant program. Monelore shall not be liable for indirect, consequential, or special losses arising from participation in programs or use of the website. This limitation does not exclude liability for death or personal injury caused by our negligence, or any liability that cannot be excluded by law.

11. Indemnification

Participants agree to indemnify and hold Monelore harmless from any claims, losses, or expenses arising from breach of these Terms, misuse of program materials, or any unlawful act by the participant in connection with Monelore programs or website.

12. Termination

Monelore reserves the right to remove a participant from a program without refund if their conduct is disruptive, harmful, or in breach of these Terms. Participants may withdraw from a program in accordance with the Cancellation Policy in Section 6.

13. Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Malaysia. In the event of a dispute, we encourage you to contact us directly at legal@monelore to seek an informal resolution before initiating formal proceedings. If informal resolution is not achieved, disputes shall be subject to the jurisdiction of the courts of Malaysia.

14. General Provisions

• Entire Agreement: These Terms constitute the entire agreement between you and Monelore in relation to their subject matter.
• Severability: If any provision is found to be unenforceable, the remaining provisions continue in full effect.
• Waiver: Failure to enforce any provision at any time does not constitute a waiver of that provision.
• Assignment: You may not assign your rights under these Terms without our prior written consent.

15. Changes to These Terms

We may update these Terms periodically. The updated version will be posted on this page with a revised "Last Updated" date. Continued participation in Monelore programs or use of the website after any update constitutes acceptance of the revised Terms.

16. Contact

• Email: legal@monelore
• Address: 28 Lorong Kuda, George Town, 10200 Penang, Malaysia
• Phone: +60 4-8261 7034