Terms & Conditions | Bijak Wealth

1. Definitions

In these Terms and Conditions:

"Bijak Wealth", "we", "us", or "our" refers to Bijak Wealth Sdn Bhd, a company incorporated in Malaysia.
"User" or "you" refers to any person who accesses our website or registers for a programme.
"Programme" refers to any workshop, series, or educational session offered by Bijak Wealth.
"Website" refers to the site operated by Bijak Wealth at bijakwealt.biz.
"Agreement" refers to these Terms and Conditions together with our Privacy Policy and Cookie Policy.

2. Acceptance of Terms

By using our website or registering for a programme, you confirm that you are at least 18 years of age and have the legal capacity to enter into this agreement. If you are registering on behalf of another person, you confirm that you have their authority to do so and that the person meets the age and capacity requirements.

3. Nature of Our Services

Bijak Wealth is a financial education provider. Our programmes are designed to build knowledge and understanding of personal finance topics in the Malaysian context. Our workshops do not constitute regulated financial advice under the Capital Markets and Services Act 2007, the Financial Services Act 2013, or any other Malaysian legislation governing financial advisory services.

Content delivered in our sessions is educational in nature. Participants are encouraged to seek independent advice from a licensed financial planner, solicitor, or tax adviser before making financial, legal, or estate planning decisions.

4. Programme Registration

Registration for a programme is confirmed upon receipt of full payment. Places are allocated on a first-come, first-served basis. We reserve the right to limit cohort sizes to maintain the quality of the learning experience.

Upon registration, participants will receive:

A confirmation email with session dates, times, and location
The full programme outline in advance of the first session
Any pre-session materials or reading, where applicable

5. Payment

Programme fees are as listed on our website at the time of registration. All fees are quoted in Malaysian Ringgit (RM) and are inclusive of applicable taxes unless stated otherwise. Payment is required in full at the time of registration. We accept payment by bank transfer and selected online payment methods.

6. Rescheduling and Cancellation Policy

6.1 Participant Rescheduling

If you need to reschedule your attendance to a different cohort, please contact us at least five business days before your first session. Subject to availability, we will transfer your registration to the next available cohort at no charge.

6.2 Cancellations

Cancellations made more than five business days before the first session are eligible for a full credit applicable to a future programme. Cancellations made within 48 hours of the first session are not eligible for a credit or transfer. We are unable to offer refunds once a programme has commenced.

6.3 Changes by Bijak Wealth

We reserve the right to reschedule or modify a programme where necessary due to circumstances beyond our control, facilitator illness, or minimum enrolment requirements. Where we reschedule a programme, participants will be offered a transfer to the next available cohort or a full credit.

7. User Conduct

Participants in our programmes agree to:

Treat facilitators and other participants with courtesy and respect
Not record sessions (audio or video) without prior written permission from Bijak Wealth
Not share, reproduce, or distribute session materials beyond personal use
Maintain the confidentiality of any information shared by other participants in a group setting

Bijak Wealth reserves the right to remove a participant from a programme without refund if their conduct is disruptive or disrespectful to others.

8. Intellectual Property

All content on our website and within our programmes — including session outlines, workbooks, reference packs, and written reports — is the intellectual property of Bijak Wealth. Materials provided to participants are licensed for personal use only. You may not reproduce, distribute, or adapt any content for commercial purposes without our prior written consent.

9. Disclaimers

Our website content and programme materials are provided for educational purposes only. While we make every effort to ensure accuracy, we do not warrant that content is complete, current, or free from errors. Financial regulations, tax rules, and estate law can change; participants are responsible for verifying current requirements with licensed professionals.

To the fullest extent permitted by Malaysian law, Bijak Wealth excludes all implied warranties regarding the fitness of our programmes for any particular financial outcome.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Bijak Wealth shall not be liable for any indirect, consequential, or financial losses arising from your use of our website, reliance on programme content, or financial decisions made following attendance at any workshop. Our total liability for any direct loss arising from our programmes shall not exceed the fee paid for the relevant programme.

11. Indemnification

You agree to indemnify and hold harmless Bijak Wealth and its facilitators from any claims, damages, or costs arising from your breach of these Terms, your misuse of our materials, or your violation of any applicable law.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Kuala Lumpur, Malaysia. We encourage informal resolution of any concerns — please contact us first before initiating formal proceedings.

13. Changes to These Terms

We may revise these Terms from time to time. The "Last Updated" date at the top of this page will reflect any changes. Continued use of our website or services after updated Terms are posted constitutes acceptance of the revised Terms. If a revision is material, we will take reasonable steps to inform registered participants.

14. Contact

For any questions about these Terms, please contact:

Bijak Wealth Sdn Bhd
28 Jalan Ampang, 50450 Kuala Lumpur, Malaysia
Email: [email protected]
Phone: +60 3-7684 2193