Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "Riang Advisory", "we", "us" — refers to Riang Advisory, operating from 5 Jalan Tanjung Tokong, 10470 Tanjung Tokong, Penang, Malaysia.
• "Participant", "you" — refers to any individual who enquires about, enrols in, or attends any Riang Advisory programme or session.
• "Programme" — refers to any workshop, course, or mentorship offering provided by Riang Advisory, including the Net Worth Awareness Workshop, Global Market Awareness Course, and Financial Mentorship Programme.
• "Materials" — refers to worksheets, spreadsheets, course notes, and any other documents provided to participants.

2. Acceptance of Terms

By enquiring about or enrolling in any Riang Advisory programme, or by using our website at {{DOMAIN}}, you confirm that you have read and agree to these Terms and Conditions. You must be at least 18 years of age and legally capable of entering into a binding agreement under Malaysian law.

3. Nature of Services

Riang Advisory provides financial education services. We are not a licensed financial planner, financial advisor, or investment advisor under the Capital Markets and Services Act 2007 or any other Malaysian financial regulation. Nothing in our programmes constitutes financial advice, investment advice, insurance advice, or tax advice. Participants should consult appropriately licensed professionals for regulated financial services.

Our programmes are delivered in person at our Penang office or remotely via video conference, at the participant's election and subject to availability.

4. Enrolment and Registration

Enrolment in a programme is confirmed upon receipt of the programme fee. A session schedule will be agreed between the participant and Riang Advisory within five working days of payment. Riang Advisory reserves the right to decline an enrolment where the programme is not an appropriate fit for the participant's situation, in which case a full refund will be issued.

5. Payment Terms

• All fees are quoted and payable in Malaysian Ringgit (RM)
• Payment is required in full prior to programme commencement unless otherwise agreed in writing
• Accepted payment methods include bank transfer and online payment platforms notified at time of enrolment
• Programme fees are inclusive of all materials specified in the programme description

6. Cancellation and Refund Policy

• Cancellation 14 or more days before first session: Full refund less any bank transfer fees incurred
• Cancellation 7–13 days before first session: 50% refund
• Cancellation less than 7 days before first session: No refund, but the session may be rescheduled once at no charge
• After programme commencement: No refund for sessions already delivered. Remaining sessions may be rescheduled by mutual agreement.

Riang Advisory reserves the right to reschedule or cancel sessions due to illness or circumstances beyond our control. In such cases, sessions will be rescheduled at the earliest mutually convenient time, or a pro-rata refund issued if rescheduling is not possible.

7. Participant Responsibilities

• Attend sessions at the agreed times or provide reasonable notice if rescheduling is required
• Engage honestly in pre-session assessments to allow appropriate programme customisation
• Use materials provided for personal educational purposes only
• Not record sessions without prior written consent from Riang Advisory
• Treat all information shared about other participants (in group settings, if any) with discretion

8. Intellectual Property

All course materials, worksheets, templates, and content provided by Riang Advisory remain the intellectual property of Riang Advisory. Participants are granted a personal, non-transferable licence to use the materials for their own financial education purposes. Reproduction, distribution, or commercial use of any materials is not permitted without written consent.

9. Confidentiality

Riang Advisory will hold all personal and financial information shared during sessions in strict confidence. We will not disclose such information to any third party except where required by law. Participants are similarly expected to treat any information shared by our educators or other participants with appropriate discretion.

10. Disclaimers

Our programmes are provided for educational purposes only. Riang Advisory makes no representation that participation in our programmes will result in specific financial outcomes. The effectiveness of financial education depends on many factors, including individual circumstances and actions taken after the programme. We do not warrant the accuracy of any market data or financial information used as examples, as these are intended for illustrative purposes only.

11. Limitation of Liability

To the extent permitted by Malaysian law, Riang Advisory's liability for any claim arising from our services is limited to the amount paid by the participant for the relevant programme. We are not liable for any indirect, consequential, or incidental losses, including financial losses arising from decisions made following programme attendance.

12. Termination

Either party may terminate a programme engagement by providing written notice. If the participant terminates, the cancellation and refund policy in clause 6 applies. If Riang Advisory terminates due to participant misconduct or misrepresentation, no refund will be issued for completed sessions.

13. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of Malaysia. Any disputes will first be addressed through an informal discussion between the parties. If unresolved within 30 days, disputes may be referred to mediation under the Mediation Act 2012. The courts of Penang, Malaysia shall have jurisdiction over any legal proceedings.

14. Changes to These Terms

We may update these Terms and Conditions from time to time. The most recent version will always be accessible on our website. Continued engagement with our services following an update constitutes acceptance of the revised terms. We will notify enrolled participants of material changes by email.

15. Contact

For any questions regarding these Terms and Conditions:
Riang Advisory, 5 Jalan Tanjung Tokong, 10470 Tanjung Tokong, Penang, Malaysia
Email: legal@{{DOMAIN}}
Phone: +60 4-218 9364