1. Definitions

• "Dollaroak" / "We" / "Us" — the financial education provider operating from 15 Jalan Stesen Sentral, KL Sentral, 50470 Kuala Lumpur, Malaysia.
• "User" / "You" — any individual accessing this website or registering for a programme.
• "Programme" — any educational service offered by Dollaroak, including the three programmes described on this site.
• "Agreement" — these Terms & Conditions, together with any programme-specific terms confirmed at registration.
• "Content" — all materials, handbooks, workbooks, and digital assets provided as part of a programme.

2. Acceptance of Terms

By accessing this website or registering for a programme, you confirm that you have read, understood, and agree to be bound by these Terms. You must be at least 18 years of age and have the legal capacity to enter into this agreement. If you do not agree with any part of these Terms, you should not use this website or register for any programme.

3. Nature of Service

Dollaroak provides financial education only. Our programmes are designed to improve participants' understanding of financial concepts. Nothing provided by Dollaroak — whether in sessions, materials, or by facilitation staff — constitutes personalised financial advice, legal advice, tax advice, or investment recommendations. Participants should consult licensed professionals for advice specific to their circumstances.

Programme availability may be subject to minimum enrolment numbers. Dollaroak reserves the right to reschedule programmes with reasonable advance notice if required.

4. User Accounts and Registration

Registration for a programme requires submission of accurate contact details. You are responsible for maintaining the accuracy of information provided. Programme bookings are personal to the registered participant and may not be transferred to another individual without prior written consent from Dollaroak.

5. User Responsibilities

You agree to:

• Provide accurate information during registration and communication
• Attend programme sessions punctually and engage respectfully with facilitators and other participants
• Not disrupt sessions or interfere with other participants' learning
• Not record, reproduce, or distribute programme content without written permission
• Use materials provided for personal learning purposes only

6. Intellectual Property

All programme content, including handbooks, workbooks, presentation materials, and website content, is owned by Dollaroak or its licensors and is protected under Malaysian copyright law. You are granted a limited, non-exclusive, non-transferable licence to use programme materials for your own personal reference. You may not reproduce, distribute, adapt, or commercially exploit any content without prior written authorisation.

7. Payment Terms

Programme fees are as published on the Solutions page of this website. Prices are stated in Malaysian Ringgit (RM) and are inclusive of all materials specified for each programme. Payment is required in full to secure a booking. Accepted payment methods include bank transfer and card payment. A booking confirmation will be issued once payment has been received and verified.

8. Cancellation and Refund Policy

• Rescheduling — participants may reschedule to a future programme intake at no charge if written notice is received at least 5 business days before the first session.
• Full refund — available if written cancellation is received more than 7 calendar days before the first session, less an administrative processing fee of RM 50.
• 50% refund — available if written cancellation is received between 3 and 7 calendar days before the first session.
• No refund — for cancellations received fewer than 3 calendar days before the first session, or for non-attendance without notice.
• Programme cancellation by Dollaroak — in the event Dollaroak cancels a programme, participants receive a full refund of fees paid.

9. Educational Disclaimer

Programmes are provided on an "as delivered" basis. Dollaroak makes no representations that participation will lead to specific financial outcomes, qualifications, or certifications. Facilitators explain concepts and share knowledge; they do not provide investment, legal, or tax advice. No guarantee of specific results from applying programme content is made or implied.

10. Limitation of Liability

To the maximum extent permitted by Malaysian law, Dollaroak's total liability to you for any claim arising from your use of this website or participation in a programme shall not exceed the programme fee paid by you. Dollaroak shall not be liable for any indirect, incidental, or consequential loss, including loss of income, savings, or business opportunity, arising from your use of or reliance on programme content.

11. Indemnification

You agree to indemnify Dollaroak and its facilitators against any claims, losses, or damages arising from your breach of these Terms, misuse of programme content, or any conduct that violates applicable law.

12. Termination

Dollaroak reserves the right to remove any participant from a programme without refund where their conduct is disruptive, abusive, or in breach of these Terms. You may withdraw from a programme subject to the refund policy in Section 8.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of Malaysia. Any dispute arising shall first be referred to an informal resolution process between the parties. Where informal resolution is not achieved within 30 days, the matter shall be referred to the courts of Malaysia, which shall have exclusive jurisdiction.

14. General Provisions

• Entire agreement — these Terms, together with any programme-specific confirmation, constitute the entire agreement between you and Dollaroak.
• Severability — if any provision is found unenforceable, the remaining provisions continue in full force.
• Waiver — failure by Dollaroak to enforce any right does not constitute a waiver of that right.
• Assignment — you may not assign your rights or obligations under these Terms without our written consent.

15. Changes to These Terms

Dollaroak may update these Terms from time to time. The updated version will be published on this page with a revised "Last Updated" date. Continued use of our website or enrolment in programmes after such changes constitutes acceptance of the revised Terms.

16. Contact

For legal enquiries or questions about these Terms:

• Email: [email protected]
• Address: 15 Jalan Stesen Sentral, KL Sentral, 50470 Kuala Lumpur, Malaysia
• Phone: +60 3-2781 5493