Terms & Conditions

1. Definitions

Throughout these Terms and Conditions, the following terms carry the meanings set out below:

2. Acceptance of Terms

By submitting an enquiry form, making a payment, or attending any Session, you confirm that:

• You have read and understood these Terms and Conditions.
• You are at least 18 years of age and have the legal capacity to enter into a binding agreement under Malaysian law.
• If enrolling on behalf of another individual, you have their authorisation and accept responsibility for ensuring they are also aware of these terms.

If you do not agree with any part of this Agreement, you are warmly encouraged to contact us for clarification before proceeding.

3. Programme Description

Amanah Circle currently offers the following financial education programmes:

Programme availability is subject to scheduling. Amanah Circle reserves the right to adjust session content to reflect current Malaysian regulatory frameworks without prior notice, while maintaining the educational scope described above.

4. Enrolment & Registration

Enrolment is confirmed only upon receipt of full programme fees and written confirmation from Amanah Circle. Submission of an enquiry form does not constitute a binding enrolment.

You are responsible for providing accurate contact and personal information at the time of registration. Should any details change after enrolment, please notify us promptly at [email protected].

Enrolment places are allocated on a first-come basis. Where a programme reaches capacity, you may be offered a position in a subsequent cohort.

5. Participant Responsibilities

To maintain the quality and integrity of the learning environment, participants are asked to:

• Attend scheduled sessions punctually and notify Amanah Circle of any planned absences at least 24 hours in advance.
• Treat facilitators and fellow participants with courtesy and respect.
• Refrain from recording, photographing, or otherwise capturing session content without prior written consent from Amanah Circle.
• Not share, redistribute, or sell any programme Materials to third parties.
• Use any personal financial calculations or examples shared during sessions for personal learning purposes only.

Prohibited activities include disruption of sessions, misuse of shared financial data, commercial exploitation of Materials, and conduct that undermines the learning environment of other participants. Amanah Circle may withdraw programme access without refund in cases of serious breach.

6. Intellectual Property

All programme content, materials, slides, workbooks, templates, and methodology developed by Amanah Circle remain the intellectual property of Amanah Circle. Nothing in this Agreement transfers ownership of such content to participants.

Upon full payment of programme fees, participants receive a personal, non-transferable licence to use programme Materials for their own private financial education. This licence does not permit reproduction for commercial purposes or distribution to third parties.

The Amanah Circle name, logo, and related marks are proprietary. You may not use them without prior written permission.

7. Payment Terms

7.1 Fees & Currency

All fees are stated in Malaysian Ringgit (RM) and are inclusive of applicable taxes where required by Malaysian law. Payment must be made in full prior to the first session unless a written instalment arrangement has been agreed in advance.

7.2 Accepted Payment Methods

Amanah Circle accepts bank transfer (online banking), DuitNow, and selected payment methods as communicated at the time of enrolment. Cheques are not accepted.

7.3 Rescheduling & Withdrawal Policy

Refund requests should be submitted by email to [email protected].

8. Programme Delivery

Amanah Circle will make reasonable efforts to deliver all sessions as scheduled. Session timings, venues, and facilitators are confirmed no later than 5 working days before programme commencement.

Sessions may be conducted in person at our Subang Jaya premises, online via a video conferencing platform, or in a hybrid format. Participants will be notified of the delivery method at enrolment.

If a session must be postponed due to circumstances beyond our reasonable control (including public holidays, facilitator illness, or infrastructure issues), we will reschedule as promptly as possible and notify participants with reasonable advance notice.

Follow-up sessions included in the Full Spectrum Financial Planning Programme are scheduled at quarterly intervals subject to mutual availability and are conducted primarily via online means.

9. Disclaimers

10. Limitation of Liability

To the fullest extent permitted under Malaysian law, Amanah Circle's total liability arising from or related to any programme shall not exceed the fees actually paid by you for that specific programme.

Amanah Circle shall not be liable for: indirect, incidental, or consequential losses; loss of income or business opportunity; financial decisions made by participants based on programme content; or any losses arising from circumstances beyond our reasonable control.

Nothing in this clause limits liability for fraud, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded under Malaysian law.

11. Indemnification

You agree to indemnify and hold harmless Amanah Circle, its facilitators, and staff from any claims, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of programme Materials, or your violation of any applicable law in connection with your participation in an Amanah Circle programme.

12. Termination

Either party may end the enrolment relationship by providing written notice. The participant withdrawal policy in Section 7.3 governs refund entitlements on participant-initiated termination.

Amanah Circle may terminate your participation without refund in cases of serious misconduct, breach of participant responsibilities (Section 5), or where your continued participation adversely affects other participants.

Upon termination, your licence to use programme Materials for personal educational purposes continues, but any right to attend further sessions is extinguished.

13. Dispute Resolution

13.1 Governing Law

This Agreement is governed by the laws of Malaysia. Any disputes will be subject to the jurisdiction of the courts of Malaysia.

13.2 Informal Resolution

We would always prefer to resolve concerns informally and promptly. If you have a concern, please contact us at [email protected]. We aim to acknowledge your concern within 3 working days and provide a substantive response within 10 working days.

13.3 Consumer Rights

Participants retain all rights afforded to consumers under the Consumer Protection Act 1999 (Malaysia) and any other applicable Malaysian legislation. These Terms do not limit, override, or exclude those statutory rights.

14. General Provisions

15. Changes to These Terms

Amanah Circle may update these Terms from time to time to reflect changes in our programmes, delivery methods, or applicable law. Material changes will be communicated by email to enrolled participants at least 14 days before taking effect.

The "Last Updated" date at the top of this page indicates when these Terms were most recently revised. Continued participation in any programme after the effective date of any change constitutes acceptance of the revised Terms.

16. Contact Information

For any questions, concerns, or formal legal enquiries related to these Terms, please reach out to:

We are available Monday to Friday, 9:00 am to 5:30 pm (Kuala Lumpur Time).