Terms & Conditions

1 Definitions

In these Terms and Conditions, the following terms carry the meanings described below:

• "Bakti Finance" / "We" / "Us" / "Our" — refers to the business operating under the name Bakti Finance, located at 25 Jalan Skudai, 81300 Johor Bahru, Johor, Malaysia.
• "Participant" / "You" / "Your" — any individual who enquires about, registers for, or attends a Bakti Finance programme or educational session.
• "Programme" — any financial education session, analytical engagement, or planning programme offered by Bakti Finance.
• "Website" — the Bakti Finance website accessible at https://baktifinan.biz and all associated pages.
• "Content" — all educational materials, worksheets, guides, reports, slides, and other intellectual property provided by Bakti Finance.
• "Agreement" — the binding agreement formed when you submit an enrolment request and we confirm your place in a programme.

2 Acceptance of Terms

By accessing our website, submitting an enquiry, or enrolling in any Bakti Finance programme, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

If you do not agree with any part of these terms, we respectfully ask that you refrain from submitting your information or proceeding with enrolment.

Age Requirement

Participants must be at least 18 years of age. Our programmes are designed for adults, particularly those in the 40–65 age range, and we do not accept enrolments from minors.

3 Service Description

Bakti Finance provides financial education programmes delivered in individual or small-group session formats. Our current programme offerings are:

Programme availability is subject to facilitator scheduling. Bakti Finance reserves the right to adjust session content, timing, and format to best serve participants' learning needs.

4 Enrolment and Scheduling

Enrolment Process

Enrolment begins when you submit an enquiry via our website or contact us directly. A place in a programme is confirmed only after we have communicated confirmation to you and received the applicable programme fee.

Session Scheduling

Session dates and times are agreed upon between the participant and Bakti Finance at the time of enrolment. We aim to accommodate schedules that suit working professionals.

Rescheduling

Participants may request to reschedule a session with at least 48 hours' notice prior to the confirmed session time. Rescheduling requests with less than 48 hours' notice may result in that session being forfeited, at our discretion.

Facilitator Changes

In circumstances where the assigned facilitator is unavailable, Bakti Finance will endeavour to arrange an equally qualified substitute or reschedule the session with reasonable notice.

5 Payment Terms and Refunds

Fees

All programme fees are quoted in Malaysian Ringgit (RM) and are inclusive of applicable taxes unless stated otherwise. Fees are payable prior to the commencement of the first session unless an alternative arrangement has been confirmed in writing.

Payment Methods

We accept bank transfer (IBG/DuitNow), online banking, and other methods as communicated at the time of enrolment.

Cancellation and Refunds

• Cancellation more than 7 calendar days before the first session: Full refund of fees paid, less a RM 50 administrative fee.
• Cancellation within 7 calendar days of the first session: A 50% refund of the programme fee.
• Cancellation after the first session has been conducted: No refund is applicable for sessions already delivered. The remaining unfulfilled sessions may be credited for a future programme at our discretion.
• Cancellation initiated by Bakti Finance: A full refund will be issued for any sessions not yet delivered.

Refund requests should be directed to [email protected].

6 Participant Responsibilities

As a participant, you agree to:

• Attend sessions at the agreed times and give reasonable notice if unable to attend.
• Provide accurate information during the enrolment and session process to enable us to tailor the educational content appropriately.
• Engage with the programme material respectfully and in good faith.
• Not record, reproduce, or distribute session content, materials, or reports without prior written consent from Bakti Finance.
• Not use Bakti Finance's programme materials for commercial purposes.

Prohibited Conduct

Participants must not engage in behaviour that is disrespectful, disruptive, or harmful toward facilitators or other participants. Bakti Finance reserves the right to withdraw programme access from any participant whose conduct is deemed inappropriate, without refund of outstanding sessions.

7 Intellectual Property

All educational materials, worksheets, frameworks, reports, and content developed by Bakti Finance — whether provided digitally or in hard copy — remain the intellectual property of Bakti Finance.

Participants are granted a personal, non-transferable, non-commercial licence to use programme materials for their own financial education and planning purposes only.

Sharing, reproducing, uploading, or redistributing Bakti Finance materials without written permission is strictly prohibited. This includes sharing materials with third parties even in a personal capacity.

The Bakti Finance name, logo, and brand elements are protected. Unauthorised use of our branding is not permitted.

8 Disclaimers

Educational Nature of Services: Bakti Finance provides financial education and analysis for informational and learning purposes. Our programmes are not a substitute for personalised financial advice from a licensed financial advisor, and nothing communicated in our sessions constitutes a financial recommendation or advisory service regulated under the Capital Markets and Services Act 2007 or any other Malaysian financial regulation.

No Outcome Assurance: While our facilitators draw on relevant knowledge and Malaysian financial data, individual financial outcomes depend on personal circumstances, market conditions, and decisions made by the participant independently. Bakti Finance cannot and does not assure any specific financial outcome for any participant.

Website Accuracy: We strive to keep our website content current and accurate. However, information on the site is provided "as is" and may not reflect the most recent programme updates. Please contact us to confirm details before enrolment.

9 Limitation of Liability

To the fullest extent permitted by Malaysian law, Bakti Finance's total liability to any participant in connection with these Terms shall not exceed the total programme fees paid by that participant to Bakti Finance.

Bakti Finance shall not be liable for:

• Any financial decisions made by a participant based on educational content received during sessions.
• Loss of income, investment loss, or any indirect or consequential losses arising from programme participation.
• Events beyond our reasonable control (force majeure), including but not limited to natural disasters, public health emergencies, or essential service disruptions.

10 Suspension and Termination

By the Participant

You may withdraw from a programme at any time, subject to the cancellation and refund terms described in Section 5.

By Bakti Finance

We may suspend or terminate a participant's programme access if:

• Fees remain unpaid after reasonable notice.
• The participant engages in prohibited conduct as described in Section 6.
• Continuation of the programme would, in our reasonable judgement, not serve the participant's educational interests.

Effect of Termination

Upon termination, the licence to use Bakti Finance materials is revoked. Any refund applicable under Section 5 will be processed within 14 working days.

11 Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes arising shall be subject to the jurisdiction of the courts of Malaysia.

Informal Resolution

We encourage participants to raise any concerns with us directly at [email protected] before pursuing formal action. We will make a genuine effort to resolve concerns amicably within 14 working days of receiving a written complaint.

Mediation

If informal resolution is not achieved, either party may seek mediation through the Mediation Centre established under the Mediation Act 2012 (Malaysia) before proceeding to litigation.

12 General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Bakti Finance regarding the use of our services.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full effect.
• Waiver: Our failure to enforce any provision does not constitute a waiver of that provision.
• Assignment: Participants may not transfer their rights or obligations under these Terms without our prior written consent. Bakti Finance may transfer its obligations with reasonable notice to participants.
• Updates: We may revise these Terms from time to time. Continued use of our website or services after changes have been posted constitutes your acceptance of the revised Terms. We will notify enrolled participants of material changes by email.

13 Contact Information

For questions about these Terms and Conditions or matters of a legal nature, please contact: