Terms & Conditions

1. Definitions

In these Terms & Conditions:

• "Service" refers to the financial education services provided by Northmark
• "User" or "You" refers to any individual accessing our website or participating in our services
• "We", "Us", or "Our" refers to Northmark
• "Website" refers to the Northmark website and all associated pages
• "Content" refers to all text, images, materials, and information provided through our services
• "Agreement" refers to these Terms & Conditions together with our Privacy Policy

2. Acceptance of Terms

By accessing our website or registering for our services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must not use our services.

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are 18 years of age or older and have the legal capacity to enter into this Agreement.

3. Service Description

Northmark provides financial education services covering topics including foreign exchange fundamentals, Shariah-compliant finance, and cross-border financial planning. Our services are designed for educational purposes only.

Important Clarifications

• We provide education, not financial advice or product recommendations
• We do not manage investments or provide financial planning services
• We do not sell financial products or earn commissions from referrals
• Service content is subject to availability and may be updated or modified

4. Registration and Enrollment

4.1 Registration Requirements

To participate in our services, you must provide accurate and complete registration information. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.

4.2 Enrollment Process

Service enrollment is confirmed upon receipt of registration and payment (if applicable). We reserve the right to refuse enrollment or cancel registrations at our discretion.

4.3 Session Limitations

We limit session sizes to ensure quality education delivery. Enrollment is subject to availability and operates on a first-come, first-served basis.

5. User Responsibilities

5.1 Acceptable Use

You agree to use our services and website only for lawful purposes and in accordance with these Terms. You agree not to:

• Disrupt or interfere with the security or functionality of our services
• Reproduce, distribute, or share educational materials without written permission
• Use automated systems to access or collect data from our website
• Misrepresent your identity or provide false information
• Engage in any conduct that restricts or inhibits others' use of our services

5.2 Session Conduct

During educational sessions, participants are expected to maintain respectful behavior, protect the confidentiality of other participants' personal information, and refrain from recording or distributing session content without explicit permission.

6. Intellectual Property Rights

6.1 Ownership

All content, materials, trademarks, and intellectual property provided through our services remain the property of Northmark. This includes but is not limited to educational materials, frameworks, glossaries, and reference guides.

6.2 Limited License

Upon enrollment in our services, you receive a limited, non-exclusive, non-transferable license to use the educational materials provided for your personal educational purposes only. You may not:

• Reproduce materials for commercial purposes
• Distribute or share materials with non-participants
• Modify or create derivative works from our content
• Remove copyright or proprietary notices

7. Payment Terms

7.1 Fees

Service fees are stated in Malaysian Ringgit (RM) and are due at the time of registration unless alternative arrangements have been made. All fees are inclusive of applicable taxes.

7.2 Payment Methods

We accept payment via bank transfer, credit card, or other methods as specified during registration. Payment processing is handled securely through third-party payment processors.

7.3 Refund Policy

Refund requests must be submitted in writing. Refunds are available under the following conditions: Full refund if cancellation occurs 14 days or more before service commencement; 50% refund if cancellation occurs 7-13 days before commencement; No refund for cancellations within 7 days of commencement or after service has begun. Extenuating circumstances will be considered on a case-by-case basis.

8. Educational Service Terms

8.1 Service Delivery

We will make reasonable efforts to deliver services as scheduled. However, we reserve the right to modify session times, locations, or formats with advance notice to participants. In the event of significant changes, participants may request a full refund.

8.2 Completion Requirements

Participants are expected to attend all scheduled sessions. Missed sessions cannot be rescheduled or refunded but materials will be provided where possible.

8.3 No Certification or Accreditation

Our services do not result in professional certification, academic credit, or formal accreditation. Participants receive educational materials and knowledge but not professional credentials.

9. Disclaimers

9.1 Educational Purpose Only

Our services are provided for educational purposes only. Content should not be construed as financial advice, investment recommendations, tax advice, or legal counsel. We are not financial advisors, and participants should consult appropriate professionals for personalized guidance.

9.2 No Outcome Guarantees

We make no representations or warranties regarding any specific outcomes from participation in our services. Financial decisions remain the sole responsibility of each individual.

9.3 Service Availability

Services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that services will be uninterrupted, error-free, or meet specific requirements.

10. Limitation of Liability

To the maximum extent permitted by Malaysian law:

• Northmark shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services
• Our total liability for any claims related to our services shall not exceed the fees paid by you for the specific service giving rise to the claim
• We are not responsible for financial decisions made based on information learned through our educational services
• We are not liable for any losses resulting from market conditions, regulatory changes, or other factors beyond our control

Some jurisdictions do not allow limitations on liability, so some of these limitations may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless Northmark, its educators, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from: your violation of these Terms & Conditions, your misuse of our services, your violation of any rights of another party, or any financial decisions you make based on information learned through our services.

12. Termination

12.1 By You

You may terminate your participation by contacting us in writing, subject to our refund policy as outlined in Section 7.3.

12.2 By Us

We reserve the right to terminate or suspend your access to our services immediately, without prior notice, if you breach these Terms & Conditions or engage in conduct we deem inappropriate or harmful.

12.3 Effect of Termination

Upon termination, your right to use our services ceases immediately. Sections of these Terms that by their nature should survive termination shall survive, including ownership provisions, disclaimers, and limitations of liability.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of Malaysia. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Malaysia.

13.2 Dispute Resolution

Before pursuing formal legal action, parties agree to attempt to resolve disputes through good-faith negotiation. If a dispute cannot be resolved through negotiation within 30 days, either party may pursue remedies available under Malaysian law.

14. General Provisions

14.1 Entire Agreement

These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and Northmark regarding our services.

14.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

14.5 Notices

All notices under these Terms shall be in writing and delivered to the contact details provided on our website. Notices to you may be provided via email to the address you provided during registration.

15. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Material changes will be communicated to enrolled participants via email. Your continued use of our services after such changes constitutes your acceptance of the new Terms.