Terms & Conditions

By accessing this website, submitting an enquiry, or completing enrolment in any Finsavva programme, you confirm that you have read, understood, and agree to these Terms. If you are enrolling on behalf of a corporation or organisation, you represent that you have the authority to bind that entity to these Terms.

Eligibility

Our programmes are open to individuals who are at least 18 years of age and legally capable of entering into contracts under Malaysian law. We reserve the right to decline enrolment at our discretion.

Programme Descriptions

Finsavva provides financial education programmes including, but not limited to:

• Personal Finance Foundations — an introductory programme covering budgeting, savings, and debt management.
• Investment Literacy Program — a programme exploring capital markets, asset classes, and portfolio principles.
• Retirement & Long-Term Planning Workshop — a workshop series addressing retirement vehicles, estate planning, and long-term financial preparedness.

Educational Purpose

All content provided by Finsavva — whether in sessions, materials, workbooks, or online — is intended for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice. Participants should seek advice from a licensed professional before making any financial decisions.

Programme Changes

Finsavva reserves the right to modify, reschedule, or cancel programmes. In such cases, we will provide reasonable advance notice and offer affected participants the option to reschedule, transfer their enrolment, or receive a full refund of fees paid.

Registration

Enrolment is confirmed upon receipt of full payment or, where applicable, a deposit arrangement agreed in writing. A place is not reserved until payment has been received.

Pricing

All fees are stated in Malaysian Ringgit (RM) and are inclusive of applicable taxes unless otherwise stated. Fees are subject to change without prior notice; however, any change will not affect confirmed enrolments for which payment has already been received.

Payment Methods

Accepted payment methods include bank transfer, online banking, and other methods specified at the time of registration. Payment must be completed in full prior to the commencement of the relevant programme unless a written instalment arrangement has been agreed.

Corporate & Sponsored Enrolment

If your enrolment is being funded by your employer or a third party, please ensure you have the necessary approvals before registering. Finsavva may issue invoices directly to sponsoring organisations upon request.

Participant-Initiated Cancellation

• 14 or more calendar days before the programme start date: full refund of fees paid.
• 7 to 13 calendar days before the programme start date: 50% refund of fees paid.
• Less than 7 calendar days before the programme start date: no refund; however, participants may transfer their place to another individual at no additional charge.

Transfers

Participants unable to attend may nominate a substitute with at least 48 hours' written notice before the programme begins. Transfers to a future intake are available subject to availability and must be requested at least 7 days before the original start date.

Finsavva-Initiated Cancellation

If Finsavva cancels a programme due to insufficient enrolment, facilitator unavailability, or other operational reasons, a full refund will be issued within 10 business days. Finsavva's liability in such cases is limited to the programme fee paid; we are not responsible for ancillary costs such as travel or accommodation.

Non-Attendance

Failure to attend sessions without prior notice does not entitle participants to a refund or rescheduling of missed content, except at Finsavva's sole discretion.

Respectful Environment

Finsavva is committed to maintaining a welcoming, inclusive, and respectful learning environment. All participants are expected to engage courteously with facilitators and fellow participants, and to contribute constructively to discussions.

Prohibited Behaviour

The following are not permitted during any Finsavva programme:

• Disruptive, offensive, or aggressive behaviour toward any person.
• Unauthorised recording of sessions (audio, video, or screen capture).
• Reproducing, sharing, or distributing programme materials without written permission.
• Commercial solicitation of other participants.

Removal

Finsavva reserves the right to remove any participant who violates these conduct standards. In such cases, no refund will be issued.

All content created and provided by Finsavva — including presentations, workbooks, handouts, case studies, frameworks, and website content — is the intellectual property of Finsavva Sdn. Bhd. and is protected under Malaysian copyright law. Participants are granted a personal, non-transferable licence to use materials for their own private, non-commercial learning purposes only. Any reproduction, distribution, publication, or derivative use without prior written consent is strictly prohibited.

Trademarks

The Finsavva name, logo, and associated marks are trademarks of Finsavva Sdn. Bhd. You may not use our trademarks in any manner without our prior written permission.

No Financial Advice

The content of all Finsavva programmes is intended for general educational purposes. Nothing within any programme, material, or communication from Finsavva constitutes personalised financial advice, investment recommendations, or professional consultation. Participants acknowledge that individual financial circumstances vary and that independent professional advice should be sought before acting on any information encountered in our programmes.

No Guaranteed Outcomes

Learning outcomes depend on individual effort, background knowledge, and application. Finsavva makes no representations about the results any individual participant may achieve from completing a programme.

Third-Party Content

Where programmes reference third-party data, publications, or tools, Finsavva does not warrant the accuracy or completeness of such third-party content and accepts no liability arising from its use.

To the fullest extent permitted by Malaysian law, Finsavva shall not be liable for any direct, indirect, incidental, consequential, or special losses or damages arising from:

• Your participation in, or inability to participate in, any programme.
• The use of, or reliance on, any information or materials provided in connection with our services.
• Any decisions made based on programme content.
• Technical failures or interruptions affecting online delivery.

Where liability cannot be excluded under applicable law, it shall be limited to the amount of fees paid by the relevant participant for the specific programme in question.

Acceptable Use

You may access and use this website for lawful purposes only. You agree not to use the website in any manner that could damage, disable, or impair its functionality, or interfere with other users' enjoyment of it.

Website Availability

We aim to keep the website available at all times; however, we do not guarantee uninterrupted access. We reserve the right to withdraw, modify, or suspend any part of the website without notice.

External Links

Our website may contain links to third-party websites. These links are provided for convenience only and do not imply endorsement of the linked sites. Finsavva is not responsible for the content, privacy practices, or reliability of any external website.

The collection and use of your personal data is governed by our Privacy Policy, which forms part of these Terms. By using our website or enrolling in a programme, you consent to the handling of your personal data as described in the Privacy Policy, in compliance with the Personal Data Protection Act 2010 (PDPA).

Finsavva reserves the right to update or amend these Terms at any time. Changes will be posted on this page with the effective date updated accordingly. Your continued use of the website or participation in our programmes after any such change constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

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 first be subject to good-faith negotiation between the parties. If a resolution cannot be reached informally, disputes shall be referred to the exclusive jurisdiction of the courts of Malaysia.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

If you have any questions or concerns regarding these Terms, please reach out to us: