Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "Seruan Finance", "we", "us", "our" refers to Seruan Finance, a financial education provider registered in Singapore, with its principal place of business at 3 Anson Road, #20-01, Singapore 079909.
• "Course" means any of the financial education programmes offered by Seruan Finance, as described on this website.
• "Participant" or "you" refers to any individual who enquires about, enrols in, or attends a Seruan Finance course.
• "Content" refers to all course materials, readings, case studies, and written documents provided by Seruan Finance during or in connection with a course.
• "Agreement" means these Terms and Conditions together with any enrolment confirmation issued by Seruan Finance.

2. Acceptance of Terms

By submitting an enquiry form, confirming enrolment, or attending any session of a Seruan Finance course, you agree to be bound by these Terms and Conditions. If you do not accept these terms, please do not proceed with enrolment. These terms constitute the entire agreement between Seruan Finance and the Participant in relation to course participation.

You must be at least 18 years of age and have the legal capacity to enter into this Agreement.

3. Course Description and Availability

Seruan Finance offers three financial education courses:

• Course 1 — A Considered First Look at Personal Finance (five weeks, S$170)
• Course 2 — Income Planning with Local Instruments (seven weeks, S$280)
• Course 3 — Retirement Planning and Documentation (nine weeks, S$395)

Course descriptions, durations, and fees are as stated on the website at the time of enrolment. Seruan Finance reserves the right to modify course content, format, or timing prior to the start of a cohort. Material changes will be notified to enrolled participants before the cohort begins.

Courses are available to Singapore residents and, at Seruan Finance's discretion, to other individuals who can participate online. Geographic restrictions may apply to in-person attendance.

4. Enrolment and Confirmation

Enrolment is confirmed upon receipt of full payment for the applicable course fee. An enrolment confirmation will be sent by email to the address provided at the time of enquiry or registration. It is the Participant's responsibility to ensure that the email address provided is accurate and that the confirmation email is received.

Seruan Finance reserves the right to decline enrolment at its discretion without obligation to provide reasons.

5. Payment Terms

Course fees are stated in Singapore Dollars (SGD) and include all course materials and the final personal document. Fees are due in full prior to the first session of each cohort. Payment methods accepted are stated in the enrolment confirmation.

No additional fees, product costs, or follow-on charges apply. Seruan Finance does not earn commission or referral income connected to any financial decision a Participant makes.

6. Refund and Withdrawal Policy

Participants who withdraw from a course before the start date are entitled to the following:

• Withdrawal notified more than 7 days before the cohort start date: full refund of the course fee.
• Withdrawal notified within 7 days of the cohort start date: refund considered on an individual basis; Seruan Finance may offer a credit towards a future cohort.
• Withdrawal after the cohort has commenced: no refund is provided unless exceptional circumstances apply, at Seruan Finance's discretion.

Refunds will be processed within fourteen working days of an approved withdrawal request. To request a withdrawal, contact us at [email protected].

7. Participant Responsibilities

Participants agree to:

• Attend sessions with reasonable preparation and engagement.
• Use course content solely for personal, non-commercial educational purposes.
• Not record, reproduce, or distribute course sessions or materials without written consent from Seruan Finance.
• Conduct themselves with respect towards instructors and other cohort members.

Seruan Finance reserves the right to remove a Participant from a cohort, without refund, where conduct materially disrupts sessions or other participants.

8. Intellectual Property

All course materials, readings, case studies, and written templates provided by Seruan Finance remain the intellectual property of Seruan Finance. Participants are granted a limited, non-exclusive, non-transferable licence to use these materials for personal reference following course completion. This licence does not permit reproduction, redistribution, or commercial use of any course content.

The personal document produced by each Participant during the course (the personal balance sheet, income plan, or retirement folder) belongs to the Participant and is for their sole use.

9. Educational Disclaimer

Seruan Finance courses are educational in nature. Nothing in any course, session, material, or communication from Seruan Finance or its instructors constitutes licensed financial advice, investment advice, or any form of recommendation to buy, hold, or sell any financial product. Participants are encouraged to consult a licensed financial adviser authorised by the Monetary Authority of Singapore for advice specific to their circumstances.

Seruan Finance does not hold a financial advisory licence and is not authorised to provide licensed financial advice under the Financial Advisers Act (Singapore).

10. Limitation of Liability

To the maximum extent permitted by Singapore law, Seruan Finance's liability to any Participant in connection with a course is limited to the course fee paid by that Participant. Seruan Finance is not liable for any indirect, consequential, or special damages arising from participation in a course or reliance on course content.

This limitation does not affect rights that cannot be excluded under Singapore's Consumer Protection (Fair Trading) Act or other applicable consumer protection legislation.

11. Indemnification

Participants agree to indemnify and hold harmless Seruan Finance, its instructors, and associated persons from any claim, loss, or expense arising from the Participant's breach of these Terms and Conditions or misuse of course materials.

12. Termination

Either party may terminate the Agreement by written notice before the start of a cohort, subject to the refund policy set out in clause 6. Seruan Finance may terminate a Participant's enrolment during a cohort where the Participant has materially breached these Terms, with a written notice stating the reason. Provisions relating to intellectual property, disclaimers, and limitation of liability survive termination.

13. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of Singapore. Any dispute arising from these Terms shall first be referred to the parties for good-faith resolution. If unresolved within 30 days, disputes shall be referred to the Singapore Mediation Centre, and failing resolution, to the courts of Singapore, which shall have exclusive jurisdiction.

14. General Provisions

• Entire agreement: These Terms and any enrolment confirmation constitute the entire agreement between the parties.
• Severability: If any provision is found unenforceable, the remaining provisions continue in effect.
• Waiver: Failure to enforce any provision is not a waiver of the right to enforce it subsequently.
• Assignment: Participants may not transfer their enrolment to another person without written consent from Seruan Finance.

15. Changes to These Terms

We may update these Terms from time to time. Changes will be reflected in the "Last Updated" date above. The version in force at the time of enrolment applies to that enrolment. Updated Terms apply to subsequent enrolments.

16. Contact

For legal or terms-related enquiries, contact us at:

• Email: [email protected]
• Post: Seruan Finance, 3 Anson Road, #20-01, Singapore 079909