Terms & Conditions

1. Definitions

• "Saverly", "we", "us", "our" — refers to Saverly, the education provider operating from Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
• "User", "you", "your" — refers to any individual accessing the website or participating in a program.
• "Programs" — refers to our courses, workshops, and structured learning programs as described on the website.
• "Content" — refers to all materials, modules, worksheets, checklists, and other educational resources provided by Saverly.
• "Agreement" — refers to these Terms and Conditions in their entirety.

2. Acceptance of Terms

By using this website or enrolling in a Saverly program, you confirm that you are at least 18 years of age and have the legal capacity to enter into this agreement. If you are enrolling on behalf of a corporate entity, you confirm you have authority to bind that entity to these terms.

3. Description of Services

Saverly provides educational content on practical saving habits and goal-setting frameworks. Our offerings include:

• Self-paced online courses
• Facilitated small-group workshops (in-person and online)
• Comprehensive programs combining modules, live sessions, and community access

All content is general educational information only. Saverly does not provide regulated financial advice of any kind. Nothing on this site or in our programs should be treated as a recommendation for any specific financial product, investment, or financial decision.

4. Enrolment and Access

Enrolment in a Saverly program is confirmed upon receipt of payment and confirmation by email. Once enrolled:

• Self-paced course access is available for the period specified at the time of purchase.
• Workshop and program session schedules are communicated by email prior to the start date.
• Access to online materials is personal and non-transferable.

Saverly reserves the right to reschedule sessions where reasonably necessary. Where a session is cancelled entirely by Saverly, participants will be offered an alternative date or a proportional credit.

5. User Responsibilities

When using our website or participating in programs, you agree to:

• Provide accurate information when registering or submitting enquiries.
• Engage respectfully with facilitators and other participants in group settings.
• Not record, reproduce, or distribute any session or course material without prior written permission.
• Not use our content for commercial purposes or resale.
• Not engage in disruptive behaviour during live sessions.

Saverly may remove a participant from a program without refund if these responsibilities are materially breached.

6. Intellectual Property

All content on the Saverly website and within our programs — including worksheets, checklists, frameworks, written materials, and the Jar Framework methodology — is the intellectual property of Saverly. You are granted a limited, non-exclusive, non-transferable licence to access and use these materials for your personal learning only.

You may not copy, share publicly, adapt, or reproduce our materials without written permission. Feedback or ideas submitted to us do not create any obligation or entitlement on your part.

7. Payment Terms

All prices are listed in Malaysian Ringgit (RM) and are inclusive of applicable taxes unless otherwise stated. Payment is required to confirm enrolment.

Refund policy:

• Self-paced courses: Refunds are available within 7 days of purchase if you have not accessed more than 20% of the course content.
• Workshops: Cancellations made more than 7 days before the first session are eligible for a full refund. Cancellations within 7 days of the start are not eligible for a refund but may be transferred to a future cohort once.
• Complete Programs: Cancellations more than 14 days before the start date are eligible for a 50% refund. No refunds are available after the program has commenced.

To request a refund or transfer, contact us at [email protected].

8. Disclaimers

Our programs and content are provided as general educational material. Saverly makes no representations or warranties — express or implied — regarding the suitability of our content for your specific situation, or any particular outcome from participation. Individual results will vary and depend entirely on personal circumstances and choices outside our control.

We are not a licensed financial adviser, fund manager, or investment intermediary. Nothing in our programs constitutes financial advice under the Capital Markets and Services Act 2007 or any other applicable Malaysian regulation.

9. Limitation of Liability

To the fullest extent permitted under Malaysian law, Saverly's total liability to you for any claim arising from these Terms or your use of our services shall not exceed the amount you paid for the relevant program. We are not liable for any indirect, incidental, or consequential loss, including loss of income or opportunity.

This limitation does not apply to liability for fraud or for death or personal injury caused by our negligence.

10. Indemnification

You agree to indemnify and hold harmless Saverly and its team members from any claim, loss, or expense arising from your breach of these Terms, your conduct during programs, or your misuse of our content.

11. Termination

Either party may terminate participation in a program in accordance with the refund and cancellation terms set out above. Saverly may suspend or terminate access if you breach these Terms. On termination, your licence to use program materials ends immediately. Clauses relating to intellectual property, disclaimers, and limitation of liability survive termination.

12. Dispute Resolution

If a dispute arises, we encourage you to contact us directly at [email protected] to resolve it informally in the first instance. If the matter cannot be resolved amicably within 30 days, it shall be subject to the jurisdiction of the courts of Malaysia, and these Terms shall be governed by Malaysian law.

13. General Provisions

• Entire agreement: These Terms constitute the entire agreement between you and Saverly in relation to your use of our website and programs.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce a provision does not constitute a waiver of our right to do so in future.
• Assignment: You may not assign your rights under these Terms. Saverly may assign its rights to a successor business.

14. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised date. Continued use of our website or programs after changes take effect constitutes acceptance. Material changes will be communicated by email to current participants where reasonably practicable.

15. Contact

For legal or contractual queries:

• Email: [email protected]
• Address: Jalan Ampang, 50450 Kuala Lumpur, Malaysia
• Phone: +60 3-8925 4176