Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "Agreement" means these Terms and Conditions as updated from time to time.
• "Content" means all materials, guides, session recordings, templates, and resources provided by us.
• "Programme" means any workshop, membership, or course offered by Moolore.
• "User" / "You" means any person accessing our website or enrolling in a Programme.
• "We" / "Us" / "Moolore" means the operator of this website and provider of the Programmes.
• "Website" means the site located at moolores.pro.

2. Acceptance of Terms

By accessing our website or enrolling in a Programme, you confirm that you have read, understood, and agree to be bound by this Agreement. If you do not agree, please do not use our website or enrol in any Programme.

You must be at least 18 years of age to use our website or participate in our Programmes. By agreeing to these terms, you confirm that you meet this requirement and have the legal capacity to enter into this Agreement.

3. Programme Description

Moolore offers educational programmes focused on the use of digital tools for personal money organisation. Our current Programmes are:

• Tools Setup Workshop — a single practical session (RM 480)
• Digital Toolkit Membership — ongoing monthly tutorials and community access (RM 1,500 per year)
• Digital Literacy Programme — a structured multi-session course with certificate of attendance (RM 4,000)

Programme availability, format, and schedule are subject to change. We will provide reasonable notice of material changes to enrolled participants.

Our Programmes are conducted primarily in English and are designed for participants based in Malaysia. Online participation may be available for certain Programmes as specified at the time of enrolment.

4. Enrolment and Registration

Enrolment in a Programme is confirmed upon receipt of full payment unless otherwise agreed in writing. You are responsible for providing accurate contact and registration information at the time of enrolment.

For membership Programmes, access is provided for the duration stated at enrolment. Account credentials (where applicable) are personal and must not be shared with others.

5. User Responsibilities

As a participant, you agree to:

• Engage with Programme content in a respectful and constructive manner
• Not record, reproduce, or redistribute session content without our prior written consent
• Not share access credentials or Programme materials with non-enrolled individuals
• Refrain from disruptive conduct during group sessions or in community spaces
• Use tools and knowledge shared in sessions for lawful personal purposes only

6. Intellectual Property

All Content provided through our Programmes — including session slides, PDF guides, templates, and recordings — is the intellectual property of Moolore. You are granted a limited, non-exclusive, non-transferable licence to use this Content for your personal educational purposes only during and after your Programme.

You may not reproduce, distribute, sell, or create derivative works from our Content without our prior written consent.

7. Payment Terms

All prices are stated in Malaysian Ringgit (RM) and are inclusive of applicable taxes unless stated otherwise. Payment is due in full prior to commencement of a Programme unless a payment plan has been arranged in advance.

We accept online bank transfers and major Malaysian e-wallets. Receipts will be provided upon successful payment.

Cancellation and Refunds

• Cancellations made more than 7 days before a session may be eligible for a refund less an administrative fee of RM 50.
• Cancellations made within 7 days of a session are non-refundable, but the enrolment may be transferred to a future session at our discretion.
• Annual memberships are non-refundable after access has been granted, except where required by Malaysian consumer protection law.
• If Moolore cancels a session, enrolled participants will receive a full refund or the option to reschedule.

8. Programme-Specific Terms

Certificate of Attendance (Digital Literacy Programme): Certificates are issued upon completion of all required sessions. Attendance at a minimum of 4 out of 5 sessions is required. Certificates confirm attendance and completion of the course only and do not constitute a professional qualification or licence.

Membership Access: Membership access begins on the date of confirmed payment and runs for 12 months. Access to community forums and resource libraries is provided for the membership period only and does not carry over after expiry.

9. Disclaimers

Our Programmes provide general educational information about digital tools for personal money organisation. They do not constitute financial advice, investment advice, or any form of regulated financial service under Malaysian law.

We do not make any representations about specific financial outcomes that may or may not result from using the tools covered in our Programmes. Moolore is an educational provider, not a licensed financial adviser.

Content is provided for educational purposes on an "as is" basis. We aim to keep materials current but do not warrant that all information is accurate, complete, or up to date at all times.

10. Limitation of Liability

To the fullest extent permitted by Malaysian law, Moolore's liability in connection with any Programme or use of our website is limited to the amount paid by you for the specific Programme in question.

We are not liable for any indirect, incidental, or consequential loss arising from participation in our Programmes or use of tools discussed in sessions, including but not limited to financial loss or data loss.

Nothing in these terms excludes liability for fraud, death or personal injury caused by negligence, or any other matter where exclusion is prohibited by law.

11. Indemnification

You agree to indemnify and hold harmless Moolore, its staff, and facilitators from any claims, losses, or liabilities arising from your breach of these Terms, your conduct during Programmes, or your use of Content in ways not permitted by this Agreement.

12. Termination

We reserve the right to remove a participant from a Programme or revoke access at our discretion if they breach these Terms, engage in disruptive behaviour, or misuse Programme materials.

If we terminate your access due to a breach, no refund will be issued. If you choose to withdraw from a Programme, refund terms in Section 7 apply.

13. Dispute Resolution

This Agreement is governed by the laws of Malaysia. In the event of a dispute, we encourage you to contact us first at [email protected] so we can try to resolve it informally.

If informal resolution is not possible, disputes will be subject to the exclusive jurisdiction of the courts of Malaysia.

14. General Provisions

• Entire Agreement: This Agreement constitutes the entire agreement between you and Moolore regarding its subject matter.
• Severability: If any provision is found unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce any provision does not constitute a waiver of that right.
• Assignment: You may not assign your rights under this Agreement without our prior written consent.

15. Changes to These Terms

We may update these Terms from time to time. Updated terms will be posted on this page with a revised date. For significant changes affecting enrolled participants, we will provide notice by email where reasonably practicable. Continued participation in a Programme after updated terms are posted constitutes acceptance of the revised terms.

16. Contact

• Business: Moolore
• Legal enquiries: [email protected]
• Address: No. 9, Persiaran Perdana, 62000 Putrajaya, Malaysia
• Phone: +60 13-882 6047