These Terms and Conditions ("Terms") govern your access to and use of the website at coinclair.sbs and any educational programmes, workshops, or toolkits offered by Coinclair ("we", "us", "our"). Please read these Terms carefully before using our services or enrolling in any programme.
By accessing our website or registering for a programme, you confirm that you have read, understood, and agree to be bound by these Terms.
1. Definitions
- "Agreement" — these Terms and Conditions together with any applicable enrolment confirmation.
- "Content" — all text, worksheets, templates, videos, and materials made available through our programmes or website.
- "Programme" — any workshop, module library, or multi-week course offered by Coinclair.
- "Services" — all educational programmes, digital resources, and related support provided by Coinclair.
- "User" / "You" — any individual who visits our website or enrolls in a programme.
- "We / Us / Our" — Coinclair, operating from No. 27, Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
2. Acceptance of Terms
By using our website or enrolling in any programme, you agree to these Terms. You must be at least 18 years old and have the legal capacity to enter into a binding agreement. If you do not agree with any part of these Terms, please do not use our website or services.
3. Description of Services
Coinclair provides general educational programmes and learning resources focused on personal budgeting and household financial management. Our current offerings include:
- Budgeting Starter Workshop — a small-group introductory session covering everyday money management basics. (RM 480)
- Household Budget Toolkit & Modules — a self-paced library of planner templates, spreadsheet starters, and short lesson videos with community discussion. (RM 1,690)
- Comprehensive Money-Management Programme — a guided multi-week general-education programme with group sessions and a certificate of attendance. (RM 4,520)
All programmes are offered for general educational and informational purposes only. Nothing in our programmes constitutes financial advice, investment guidance, or professional consultation of any kind.
Programme availability, schedule, and content are subject to change. We reserve the right to adjust, reschedule, or discontinue any programme with reasonable notice.
4. Enrolment and Payment
4.1 Enrolment
Enrolment is confirmed upon receipt of your registration and applicable payment. We will send a confirmation to the email address you provide. It is your responsibility to ensure your contact details are accurate.
4.2 Fees and Payment
All fees are quoted in Malaysian Ringgit (RM) and are inclusive of any applicable taxes unless stated otherwise. Payment details will be provided at the time of enrolment. We accept payment via the methods communicated during the registration process.
4.3 Refund and Cancellation
If you need to withdraw from a programme before it begins, please contact us as early as possible. Refund eligibility is as follows:
- Cancellation more than 7 calendar days before the programme start: eligible for a full refund.
- Cancellation within 7 calendar days of the start: a partial refund or credit towards a future session may be offered at our discretion.
- No-shows or withdrawal after commencement: not eligible for a refund.
To request a cancellation, please email us at [email protected].
5. User Responsibilities
By using our services, you agree to:
- Provide accurate and complete information during registration.
- Treat all facilitators and other participants with courtesy and respect.
- Not share, reproduce, or distribute programme materials without our written permission.
- Use all content and resources for personal, non-commercial learning only.
- Not misrepresent your participation, qualifications, or the nature of our programmes to third parties.
We reserve the right to remove any participant whose conduct is disruptive or inappropriate, without refund.
6. Intellectual Property
All content, materials, templates, worksheets, brand elements, and website design are the intellectual property of Coinclair or our licensors. We grant you a limited, personal, non-transferable, non-exclusive licence to access and use programme materials for your own private learning during the period of your enrolment.
You may not copy, reproduce, sell, sublicense, broadcast, or create derivative works from any content without our prior written consent.
7. Certificates of Attendance
A certificate of attendance is issued upon satisfactory completion of the Comprehensive Money-Management Programme. The certificate documents your participation in the educational programme and does not confer any professional qualification, licence, or credential. It is not affiliated with any regulatory or professional body.
8. Disclaimers
All programmes and content are provided for general educational purposes only. Nothing on our website or in any programme constitutes financial, investment, tax, or legal advice. You should always seek independent professional advice before making financial decisions.
We make no representations that participation in any programme will produce specific financial outcomes. Results depend entirely on your individual circumstances, decisions, and effort.
Our services are provided on an "as-is" and "as-available" basis. While we work carefully to ensure the quality and accuracy of our content, we do not warrant that all information is complete, error-free, or current.
9. Limitation of Liability
To the fullest extent permitted by Malaysian law, Coinclair and its team members shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages.
In any case, our total liability to you shall not exceed the amount you paid for the specific programme in connection with the claim.
This limitation does not apply to death or personal injury caused by our negligence, or to any liability that cannot lawfully be excluded.
10. Indemnification
You agree to indemnify and hold harmless Coinclair, its facilitators, and staff from any claims, losses, or expenses (including reasonable legal costs) arising from your breach of these Terms, your use of our services, or your violation of any applicable law or third-party rights.
11. Termination
We may suspend or terminate your access to our services at any time if you breach these Terms or engage in conduct that is harmful to other participants or to us. Where termination is due to our discretion and not your breach, we will provide a pro-rata refund for unused services.
Sections 6, 8, 9, 10, and 12 of these Terms survive termination.
12. Governing Law and Disputes
These Terms are governed by and construed in accordance with the laws of Malaysia. Any dispute arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Malaysia.
We encourage you to contact us in the first instance to resolve any concern informally before pursuing formal proceedings. Most matters can be addressed quickly by reaching us at [email protected].
13. General Provisions
- Entire Agreement: These Terms constitute the entire agreement between you and Coinclair regarding our services.
- Severability: If any provision of these Terms is found unenforceable, the remaining provisions continue in full force.
- Waiver: Our failure to enforce any provision does not constitute a waiver of that right.
- Assignment: You may not assign your rights under these Terms without our consent. We may assign our rights to any successor business.
- Notices: Formal notices should be sent to us at the address or email in Section 15.
14. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. We will make reasonable efforts to notify enrolled participants of material changes. Continued use of our website or services after any update constitutes acceptance of the revised Terms.
15. Contact
For any questions about these Terms, please contact:
- Email: [email protected]
- Phone: +60 12-748 3091
- Post: Coinclair, No. 27, Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia