Terms & Conditions

Warden & Co is a financial education provider registered in Malaysia. We offer structured programmes designed to help adults and households build clearer understanding of personal finance topics.

We are not a licensed financial adviser, investment adviser, tax adviser, or legal practitioner. Nothing in our programmes constitutes financial, investment, legal, or tax advice, and nothing should be relied upon as such. Our programmes are educational in nature.

Where a programme touches on areas such as estate planning or investment accounts, participants are encouraged to consult a licensed practitioner before making any decisions based on what they have learned.

Enrolment is confirmed only after we have received your completed enquiry form, agreed on a suitable programme date or schedule, and received full payment of the programme fee.

Our programmes are designed for adults aged 18 and over who are residents of or familiar with the Malaysian financial landscape. We reserve the right to decline any enrolment at our discretion.

Programme details — including session dates, times, venue or platform, and any pre-reading materials — will be provided to confirmed participants by email no fewer than five business days before the first session.

Each enrolment covers one participant only, unless we have expressly confirmed otherwise in writing. For the Long-Horizon Household Engagement, a household unit of two persons may enrol under a single booking.

Programme fees are stated in Malaysian Ringgit (RM) and are inclusive of all materials mentioned in the programme description. Fees do not include transport, accommodation, or any third-party costs you may incur.

Current fees are as follows:

• Monthly Review Habit Workshop — RM 520 per participant
• Understanding Estate Basics — RM 1,850 per participant
• Long-Horizon Household Engagement — RM 4,400 per household unit

Payment is due in full prior to the start of the programme. We accept bank transfer to the account details we will provide upon confirmation of your enrolment. We do not store payment card details.

We reserve the right to adjust programme fees for future intake cycles. Fees confirmed at the time of enrolment will not change for that enrolment.

Cancellation by participant

If you need to cancel your enrolment, please notify us in writing at the earliest opportunity. Our refund policy is as follows:

• Cancellation 14 or more calendar days before the first session: full refund, less any bank transfer charges.
• Cancellation 7 to 13 calendar days before the first session: 50% refund.
• Cancellation fewer than 7 calendar days before the first session: no refund, though we will endeavour to transfer your enrolment to a future intake where possible.

For multi-session programmes, once the first session has been delivered, the portion of the fee attributable to sessions already held is non-refundable. We will assess any remaining balance on a pro-rata basis.

Cancellation or rescheduling by Warden & Co

We make every effort to deliver confirmed programmes as scheduled. In the event we need to postpone or cancel a session, we will notify you as early as practicable. If we are unable to offer a suitable alternative date within 60 days, you are entitled to a full refund of amounts paid.

We ask that all participants approach sessions with a spirit of mutual respect, both toward facilitators and fellow participants. Sessions are conducted in a calm, considered environment, and we ask that everyone observe this tone.

Recording of any session — whether audio, video, or screen capture — is not permitted without our prior written consent.

Programme materials (printed review sheets, written summaries, and handouts) are provided for the personal use of enrolled participants and may not be reproduced, distributed, or made available to others without our written permission.

All programme content, frameworks, materials, and website content are the intellectual property of Warden & Co. Nothing in these terms grants you any licence to reproduce, adapt, or make available any of our content beyond personal use.

You may share your personal notes and reflections freely. You may not share or sell our materials or frameworks in any form.

Our programmes are educational. We do not accept responsibility for any financial decisions you make following participation in a programme, or for any outcomes — financial, personal, or otherwise — arising from the application of concepts covered in a session.

To the fullest extent permitted by Malaysian law, Warden & Co's total liability to any participant in connection with a programme shall not exceed the fee paid by that participant for that programme.

Nothing in these terms excludes or limits liability for fraud, death, or personal injury caused by our negligence.

For questions about these terms, please reach us at:

Warden & Co
Suite 9-3 Menara Wisma Warden, Jalan Yap Kwan Seng
50450 Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia

Email: [email protected]

Telephone: +60 3-2163 8745