Terms & Conditions

1. Acceptance of Terms

By accessing the Equilearn website at equilear.biz or by enrolling in any Equilearn program, you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, you should not use this website or enrol in our programs.

These terms constitute a legally binding agreement between you and Equilearn (registered business address: 33 Jalan Bukit Bintang, 55100 Kuala Lumpur, Malaysia). References to "we," "us," or "Equilearn" in these terms refer to this entity.

2. About Our Programs

Equilearn offers structured educational programs in the areas of financial statement literacy, behavioral finance awareness, and family financial planning. Our programs are educational in nature and are designed to build knowledge and awareness.

Equilearn reserves the right to modify program content, format, scheduling, and delivery method at any time. We will communicate material changes to enrolled participants with reasonable advance notice.

3. Enrolment

Enrolment in an Equilearn program is subject to availability and is confirmed only upon receipt of full payment (or an approved deposit where a payment plan has been agreed). Submission of an enquiry form does not constitute enrolment.

Eligibility

Our programs are open to adults aged 18 and above. There are no formal educational prerequisites for enrolment, though individual program descriptions may identify the audience best suited to each offering.

Cohort sizes

Program cohorts are capped at 12 participants to maintain session quality. Where a cohort is full, you will be offered a place on a waiting list or in a future cohort.

Corporate enrolments

Employers enrolling employees should contact us directly to discuss group rates and HRDC claim procedures. Corporate enrolments are subject to these terms unless a separate written agreement has been signed.

4. Payment

Program fees are stated in Malaysian Ringgit (RM) and are inclusive of all program materials, unless otherwise stated. Fees do not include transport, accommodation, or any other personal expenses.

Payment methods

We accept payment by bank transfer, credit/debit card, and online banking. Full payment details will be provided upon confirmation of your enrolment interest.

HRDC claims

Participants whose employers are registered with the Human Resources Development Corporation (HRD Corp) may be eligible to claim funding support for program fees. Equilearn is a registered HRD Corp training provider. We can assist with the documentation required for claims, but the responsibility for submitting claims and compliance with HRD Corp requirements rests with the employer.

Pricing changes

Prices quoted at the time of your enrolment confirmation will be honoured. We reserve the right to revise program fees for future cohorts without notice.

5. Cancellation & Refunds

Cancellation by participant

• More than 14 days before program start: Full refund, less an administrative fee of RM 150.
• 7 to 14 days before program start: 50% refund of the program fee paid.
• Less than 7 days before program start: No refund. However, you may transfer your place to another individual at no additional charge, provided you notify us in writing at least 48 hours before the program begins.

Refunds will be processed within 14 business days of a confirmed cancellation request.

Cancellation by Equilearn

In the event that Equilearn must cancel a program cohort — due to insufficient enrolments, unforeseen circumstances, or force majeure — enrolled participants will be offered a full refund or a free transfer to the next available cohort. Equilearn will not be liable for any other costs incurred by participants in connection with the cancellation.

No-shows

Failure to attend without prior notification is treated as a cancellation with less than 7 days' notice and is not eligible for a refund.

6. Attendance and Completion

Program schedules and session details will be communicated to enrolled participants in advance. We ask that participants commit to attending all scheduled sessions, as the cohort-based format is designed around group participation.

Where a participant misses one or more sessions due to circumstances beyond their control, we will make reasonable efforts to provide catch-up materials. However, we cannot reproduce the interactive elements of missed group sessions.

Equilearn does not issue certificates of completion. Our programs are educational programs, not professional certification courses.

7. Participant Conduct

All participants are expected to engage with other participants and facilitators respectfully. We reserve the right to remove any participant from a program without refund if their conduct is deemed disruptive, offensive, or harmful to other participants or facilitators.

Program materials provided to participants — including slides, reference sheets, and handouts — are for personal educational use only and may not be reproduced, distributed, or published without Equilearn's prior written consent.

8. Intellectual Property

All content on the Equilearn website — including text, design, graphics, program frameworks, and course materials — is the intellectual property of Equilearn or its licensed contributors. No part of this website or our program materials may be reproduced, adapted, or distributed without our prior written permission.

Equilearn does not claim ownership of any personal work, notes, or materials produced by participants during a program.

9. Limitation of Liability

To the fullest extent permitted by Malaysian law, Equilearn's total liability to any participant or website user for any claim arising in connection with our programs or website shall not exceed the program fee paid by that participant for the relevant program.

Equilearn is not liable for any indirect, consequential, or special losses, including but not limited to loss of income, business decisions made on the basis of program content, or any financial outcomes arising from the application of concepts discussed in our programs.

Nothing in these terms excludes or limits liability for fraud, death, personal injury, or any other liability that cannot be excluded by law.

10. Website Use

You may use this website for lawful purposes only. You agree not to use the site in any way that could damage, disable, or impair the site's functionality, or that interferes with other users' use of the site.

We make reasonable efforts to ensure that the information on this website is accurate and up to date, but we do not warrant its completeness or accuracy. Program availability, fees, and schedules shown on this website are subject to change.

Links to third-party websites are provided for convenience only. Equilearn does not endorse or take responsibility for the content of any linked external sites.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of Malaysia. Any dispute arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

In the event of a dispute, we encourage you to contact us directly in the first instance to seek resolution. We will make reasonable efforts to resolve disputes promptly and fairly.

12. Amendments to These Terms

Equilearn reserves the right to update these Terms & Conditions at any time. When we do so, we will revise the "Last Updated" date at the top of this page. For material changes, we will notify enrolled participants by email where reasonably practicable.

Your continued use of this website or enrolment in a program after any changes are posted constitutes your acceptance of the revised terms.

13. Contact

For questions or concerns regarding these Terms & Conditions, please reach us at: