Terms & Conditions

Please read these Terms and Conditions carefully before enrolling in any course offered by Sinar Wealth Pte Ltd. Enrolling in a course constitutes your acceptance of these terms.

1. About Sinar Wealth

Sinar Wealth Pte Ltd is a Singapore-registered company providing financial education programmes for adult learners. Our courses are educational in nature and do not constitute financial advice, investment recommendations, or regulated financial services under the Financial Advisers Act or Securities and Futures Act.

Registered address: 24 Peck Seah Street, #10-08, Singapore 079314. Contact: [email protected], +65 6729 4158.

2. Course Enrolment

Enrolment in a Sinar Wealth course is confirmed upon receipt of full payment and our written confirmation by email. Places are limited and allocated on a first-come, first-served basis. We reserve the right to decline an enrolment where a course is full or where a participant does not meet stated prerequisites.

By enrolling, you confirm that:

• The personal information you have provided is accurate and complete
• You are aged 18 or above
• You have read and agree to these Terms and Conditions and our Privacy Policy

3. Fees and Payment

Course fees are stated in Singapore Dollars (SGD) and are inclusive of GST where applicable. The current fees are:

• A Gentle Refresher in Household Finance — S$400
• CPF and SRS Planning for Mid-Life — S$595
• Portfolio Review for Later-Life Investors — S$790

Full payment is required at the time of enrolment. We do not offer deferred payment arrangements unless expressly confirmed in writing.

4. Cancellations and Refunds

Cancellation by Participant

If you wish to withdraw from a course:

• 14 or more days before the course start date: a full refund less a S$50 administrative fee will be issued.
• 7 to 13 days before the course start date: a 50% refund of the course fee will be issued.
• Less than 7 days before the course start date: no refund will be issued. You may request a transfer of your enrolment to a future intake of the same course, subject to availability.

Refund requests must be submitted in writing to [email protected]. Approved refunds will be processed within 14 working days.

Cancellation or Rescheduling by Sinar Wealth

We reserve the right to cancel or reschedule a course due to insufficient enrolments, instructor unavailability, or circumstances beyond our reasonable control. In such cases, enrolled participants will be offered either a full refund or a transfer to the next available intake. We are not liable for any consequential costs incurred by participants as a result of a cancellation.

5. Course Materials and Intellectual Property

All course materials — including workbooks, slides, handouts, and digital resources — are the intellectual property of Sinar Wealth. Materials are provided for the personal use of enrolled participants only.

You may not reproduce, distribute, adapt, or publish any course material without prior written consent from Sinar Wealth. Recording of sessions (audio or video) is not permitted without our express written permission.

6. Conduct and Participation

We ask that all participants engage with their peers and instructors with courtesy and respect. Discussion of personal financial situations is encouraged within the classroom setting but should remain confidential among participants.

Sinar Wealth reserves the right to remove a participant from a course, without refund, in cases of disruptive behaviour, harassment, or conduct that materially affects the learning environment of others.

7. Nature of Course Content

Our courses are designed to provide general financial education and to help participants understand financial concepts, products, and frameworks relevant to Singapore. Content is prepared with care and reviewed for accuracy.

Nothing in our courses constitutes personalised financial advice. Participants should seek advice from a licensed financial adviser before making specific financial decisions. Sinar Wealth is not a licensed financial adviser, fund manager, or insurance intermediary.

8. Limitation of Liability

To the extent permitted by Singapore law, Sinar Wealth shall not be liable for any indirect, consequential, or economic loss arising from a participant's use or application of course content. Our total liability to any participant shall not exceed the course fee paid.

We do not represent that any financial outcome will result from applying the knowledge gained in our courses. Individual results depend entirely on each participant's circumstances and decisions.

9. Website Use

Our website is provided as a general information resource. We make reasonable efforts to keep information current but do not warrant that all content is accurate or complete at any given time. Access to the website may be interrupted for maintenance without notice.

10. Governing Law

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

11. Changes to These Terms

We may revise these terms from time to time. The current version will always be available on our website. Your continued enrolment in any course after a revision constitutes acceptance of the updated terms.

12. Questions

If you have questions about these terms, please write to us at [email protected] or call +65 6729 4158 during office hours (Monday to Friday, 9:00 am – 6:00 pm SGT).