Terms & Conditions

1. Definitions

• "Cendara", "we", "us", "our" refers to Cendara, a financial decision-making education provider registered and operating from Unit 12-07, Nusa Bestari, No. 4 Jalan Bestari 1, 81300 Skudai, Johor, Malaysia.
• "Participant", "you" refers to any individual who enquires about, registers for, or attends a Cendara workshop, course or programme.
• "Programme" refers to any workshop, course or educational offering delivered by Cendara.
• "Content" refers to all materials, worksheets, worked examples, workbooks and digital tools provided as part of a Programme.
• "Agreement" refers to these Terms and Conditions, together with any enrolment confirmation.

2. Acceptance of Terms

By submitting an enquiry form, registering for a Programme or attending a session, you confirm that:

• You are at least 18 years of age.
• You have the legal capacity to enter into this Agreement.
• You have read and agree to be bound by these Terms and Conditions.

If you are registering on behalf of another person, you represent that you have authority to do so and that the individual also meets the age requirement.

3. Nature of Our Programmes

Cendara provides educational programmes focused on decision-making frameworks as general educational content. All Content is provided strictly for educational purposes.

Cendara does not provide financial advice, investment advice, or any regulated advisory service. Nothing in our programmes should be construed as a recommendation to take any specific financial action. Participants are responsible for their own decisions and should seek professional advice where appropriate.

4. Enrolment and Registration

Enrolment in a Programme is confirmed upon receipt of full payment and written confirmation from Cendara. Places are allocated on a first-come, first-served basis. Cendara reserves the right to decline an enrolment where a Programme is full or where it determines that a Programme is not suitable for the applicant's circumstances.

5. Fees and Payment

• All fees are stated in Malaysian Ringgit (RM) and include applicable taxes unless stated otherwise.
• Payment must be made in full prior to attendance unless a payment arrangement has been agreed in writing.
• Fees cover all programme materials, including worksheets and (for the Complete Programme) the printed workbook and digital tools.
• Receipts are issued upon payment.

6. Cancellation and Refunds

• Cancellation by participant (7+ days before session): full refund, less a RM 50 administrative fee.
• Cancellation by participant (3–6 days before session): 50% refund.
• Cancellation by participant (fewer than 3 days before session): no refund. Transfer to a future session may be offered at Cendara's discretion.
• Cancellation by Cendara: if Cendara cancels a session, participants will receive a full refund or the option to transfer to an alternative date.

Refund requests should be submitted to [email protected].

7. Attendance and Conduct

Participants are expected to attend sessions punctually and engage respectfully with facilitators and other participants. Cendara reserves the right to remove any participant whose conduct disrupts a session, without refund.

Personal financial information shared by participants during sessions is shared voluntarily. Participants are encouraged to use anonymised examples and are not required to disclose specific financial details.

8. Intellectual Property

All Content provided as part of a Programme, including worksheets, worked examples, workbooks and digital tools, is the intellectual property of Cendara. Participants are granted a non-exclusive, personal licence to use Content for their own private decision-making purposes.

Participants may not reproduce, distribute, resell, or create derivative works from any Content without prior written consent from Cendara.

9. Disclaimers

Programmes are provided for educational purposes only. Cendara makes no representations that attendance at a Programme will produce any particular financial outcome or decision quality for any individual participant.

Content is provided "as is" without warranty of any kind, express or implied. Cendara does not warrant that the frameworks taught are suitable for any specific financial decision a participant may face.

10. Limitation of Liability

To the extent permitted by Malaysian law, Cendara's total liability to any participant in connection with a Programme shall not exceed the fee paid by that participant for the relevant Programme.

Cendara is not liable for any indirect, consequential, or special loss arising from attendance at a Programme or use of Content, including any financial loss resulting from decisions made by a participant.

11. Indemnification

Participants agree to indemnify and hold Cendara harmless from any claim, loss or expense arising from their use of Content beyond the scope of the licence granted, or from any breach of these Terms and Conditions.

12. Termination

Cendara may terminate a participant's enrolment if the participant breaches these Terms and Conditions, with no obligation to provide a refund where termination is due to the participant's conduct.

13. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of Malaysia. Any dispute arising in connection with these terms shall first be subject to good-faith negotiation between the parties. If unresolved within 30 days, disputes shall be referred to mediation under the Rules of the Asian International Arbitration Centre (AIAC) before any legal proceedings are commenced. The courts of Johor Bahru, Malaysia shall have non-exclusive jurisdiction over any legal proceedings.

14. General Provisions

• Entire agreement: these Terms, together with any enrolment confirmation, constitute the entire agreement between the parties.
• Severability: if any provision is found unenforceable, the remaining provisions continue in force.
• Waiver: failure to enforce any provision does not constitute a waiver of that provision.
• Notices: notices should be sent to [email protected] or to the address below.

15. Changes to These Terms

Cendara may update these Terms and Conditions from time to time. The current version will be available on this page with the revision date. Continued participation in a Programme after an update constitutes acceptance of the revised terms.

16. Contact

• Email: [email protected]
• Address: Unit 12-07, Nusa Bestari, No. 4 Jalan Bestari 1, 81300 Skudai, Johor, Malaysia