1. Acceptance of Terms
By accessing or using the Finhaven website at finhaven.my ("the Website") or by enrolling in any of our financial education programmes, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully before using our services.
If you do not agree with any part of these Terms, please discontinue use of the Website and do not proceed with enrolment in our programmes.
2. About Finhaven
Finhaven is a financial education provider based in Kuala Lumpur, Malaysia. We offer structured learning programmes designed to improve the financial understanding and decision-making capability of individuals and households. Our services are educational in nature and are delivered by trained facilitators.
3. Programmes and Services
Finhaven currently offers the following programmes:
- Household Finance Planning — RM 460 per participant
- Understanding Insurance & Takaful — RM 780 per participant
- Property Finance Readiness — RM 1,300 per participant
Programme fees, session formats, content, and schedules are subject to change. We will communicate any significant changes to enrolled participants with reasonable notice.
Finhaven reserves the right to modify, suspend, or discontinue a programme at any time. In the event of a cancellation by Finhaven, enrolled participants will receive a full refund of fees paid.
4. Enrolment and Payment
4.1 Enquiries
Submitting an enquiry form on this Website does not constitute enrolment. Enrolment is confirmed only upon receipt of full payment and written confirmation from Finhaven.
4.2 Payment
Programme fees are payable in Malaysian Ringgit (RM). We accept payment via methods communicated to you at the time of enrolment confirmation. Full payment is required prior to the commencement of the programme, unless otherwise agreed in writing.
4.3 Receipts
An official receipt or confirmation of payment will be provided upon receipt of cleared funds.
5. Cancellation and Refund Policy
5.1 Cancellation by participant
- More than 7 days before commencement: Full refund of fees paid, less any processing fees.
- 3 to 7 days before commencement: 50% refund of fees paid.
- Less than 3 days before commencement: No refund. You may, at our discretion, be offered a transfer to a future programme intake.
5.2 Cancellation by Finhaven
If Finhaven cancels or postpones a programme, enrolled participants will receive a full refund of fees paid or the option to transfer to a rescheduled session.
5.3 Non-attendance
Failure to attend without prior written notice does not entitle you to a refund or session transfer.
5.4 Refund processing
Approved refunds will be processed within 14 working days to the original payment method.
6. Participant Conduct
Participants are expected to engage with programme sessions respectfully and constructively. We reserve the right to remove any participant from a programme, without refund, if their conduct is disruptive, offensive, or otherwise inconsistent with the learning environment we maintain.
You agree not to record, reproduce, or redistribute any session content, facilitator materials, or participant contributions without prior written consent from Finhaven.
7. Programme Content and Materials
All workbooks, templates, worksheets, and reference guides provided as part of a programme are for your personal use only. They may not be reproduced, distributed, resold, or used commercially without the written permission of Finhaven.
Programme content is developed for general educational purposes and reflects conditions in Malaysia at the time of preparation. It is updated periodically but may not reflect the most current regulations, products, or market conditions at any given time.
8. Educational Disclaimer
The content of all Finhaven programmes, materials, and this Website is provided for educational and informational purposes only. Nothing on this Website or in our programmes constitutes financial advice, legal advice, investment advice, or a recommendation to purchase any financial product or service.
Finhaven facilitators are educators, not licensed financial advisers. Participants are encouraged to seek independent professional advice before making any financial decisions.
Outcomes from participation in our programmes will vary depending on individual circumstances, effort, and application of the concepts covered.
9. Limitation of Liability
To the maximum extent permitted by law, Finhaven shall not be liable for any direct, indirect, incidental, consequential, or special loss or damage arising from:
- Your use of or reliance on content from our programmes or Website
- Financial decisions made following participation in a programme
- Errors, omissions, or inaccuracies in programme materials
- Technical interruptions or inaccessibility of the Website
Our total liability to you in connection with any claim shall not exceed the amount of fees you have paid for the specific programme to which the claim relates.
10. Use of This Website
You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Website. You must not:
- Use the Website to transmit unsolicited commercial communications
- Attempt to gain unauthorised access to any part of the Website or its underlying systems
- Reproduce or scrape Website content for commercial purposes
- Use the Website in any way that could damage, overburden, or impair its functionality
11. Intellectual Property
All content on this Website, including text, graphics, logos, programme descriptions, and materials, is the property of Finhaven or its licensors and is protected under applicable Malaysian and international intellectual property laws.
You may view and print individual pages of this Website for personal, non-commercial use only. No content may be reproduced, modified, or distributed without prior written consent.
12. Privacy
Our collection and use of personal data is governed by our Privacy Policy, which forms part of these Terms. By using this Website or enrolling in a programme, you acknowledge that you have read and understood our Privacy Policy.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of Malaysia. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.
14. Changes to These Terms
We may revise these Terms from time to time. Any material changes will be reflected by updating the "Last updated" date at the top of this page. We encourage you to review these Terms periodically. Your continued use of the Website or enrolment in programmes following any update constitutes your acceptance of the revised Terms.