Terms & Conditions

1. Acceptance of Terms

Your use of the Ringgita website and any programme registration constitutes acceptance of these Terms in full. These Terms apply to all visitors, registrants, and participants. These Terms should be read alongside our Privacy Policy and Cookie Policy, both of which are incorporated by reference.

Ringgita reserves the right to update these Terms at any time. Material changes will be communicated by updating the "Last Updated" date. Continued use of our site or continued enrolment in a programme following any update constitutes acceptance of the revised Terms.

2. About Our Services

Ringgita offers the following programmes for self-employed individuals and sole traders in Malaysia:

• Sole-Trader Records Workshop (RM 480) — A practical workshop on everyday record-keeping and budgeting, with ready-made templates. One-day session format.
• Self-Employed Toolkit & Community (RM 1,460) — Record-keeping templates, planning spreadsheets, and ongoing access to a peer community for everyday questions about managing solo finances.
• Self-Employed Literacy Programme (RM 4,150) — A structured multi-session general-education and process-advisory programme on records and budgeting for sole traders, with materials and a certificate of attendance.

All services are educational in nature. Programme formats, schedules, and delivery methods are subject to change at Ringgita's reasonable discretion. Any material changes affecting existing enrolments will be communicated with reasonable notice.

3. Educational Content Only

All content provided by Ringgita — including but not limited to workshop sessions, written materials, templates, spreadsheets, community discussions, and website content — is intended solely as general educational information. Nothing provided by Ringgita constitutes:

• Regulated financial advice under the Capital Markets and Services Act 2007 or any other applicable Malaysian law
• Legal, accounting, or tax advice
• A recommendation to enter into, or abstain from, any specific financial transaction or business arrangement
• A personalised assessment of any individual's financial circumstances

Ringgita's facilitators and team members are not licensed financial advisers, accountants, or solicitors. Any information shared during sessions or in materials reflects general educational practice only.

Participants are encouraged to consult qualified, licensed professionals for advice specific to their personal or business circumstances before making significant financial or operational decisions.

4. Enrolment and Payment

To enrol in a programme, you must complete the contact or registration process on our website and pay the stated fee in full prior to attendance (unless a written instalment arrangement has been agreed in advance).

• All fees are quoted in Malaysian Ringgit (RM) and inclusive of applicable taxes unless otherwise stated.
• Payment confirmation will be issued by email. Your place is not confirmed until payment has been received.
• Ringgita reserves the right to adjust programme fees for future intake cohorts with reasonable prior notice. Fees already paid for a confirmed place will not be affected.

You must be at least 18 years of age to register for any Ringgita programme. Enrolment is personal to you and is non-transferable without prior written consent from Ringgita.

5. Cancellation and Refunds

We understand that circumstances change. Our standard cancellation policy is:

• More than 14 days before programme start: Full refund of fees paid, less any processing costs incurred by Ringgita.
• 7–14 days before programme start: 50% refund of fees paid.
• Less than 7 days before programme start: No refund. Where possible, we will offer a transfer to a future intake at our discretion.
• After programme commencement: No refund will be issued for any sessions already attended or materials already provided.

All cancellation requests must be submitted in writing to [email protected].

If Ringgita cancels or significantly reschedules a programme, enrolled participants will receive a full refund of fees paid, or the option to transfer to a rescheduled session of equivalent value.

6. Intellectual Property

All content produced and provided by Ringgita — including workshop materials, templates, spreadsheets, slides, written guides, and website content — remains the intellectual property of Ringgita and is protected under Malaysian copyright law.

Upon payment of the applicable programme fee, participants receive a personal, non-exclusive, non-transferable licence to use provided materials for their own sole-trader business purposes. This licence does not permit:

• Resale, redistribution, or sharing of materials with third parties for commercial purposes
• Reproduction of materials in other courses, training programmes, or publications without prior written consent
• Modification and redistribution of templates or materials under a different brand or identity

Community contributions posted by participants remain the property of the participant; by posting, participants grant Ringgita a non-exclusive licence to display such content within the community platform.

7. Community Standards

Participants in the Self-Employed Toolkit & Community and the Self-Employed Literacy Programme have access to a peer community platform. By participating, you agree to:

• Engage respectfully and constructively with other community members and Ringgita facilitators
• Not share information in the community that constitutes regulated financial, legal, or investment advice
• Not post any content that is defamatory, offensive, misleading, or in violation of applicable law
• Not use the community platform for unsolicited promotion of any product, service, or business
• Respect the confidentiality of other participants' shared personal and business information

Ringgita reserves the right to remove content that breaches these standards and to suspend or revoke community access for participants who repeatedly or seriously violate them, without refund of programme fees.

8. Limitation of Liability

To the fullest extent permitted by applicable Malaysian law:

• Ringgita accepts no liability for any business, financial, or other outcomes arising from a participant's use of educational content, templates, or community discussions.
• Ringgita's total liability to any participant in connection with a programme shall not exceed the fees actually paid by that participant for that specific programme.
• Ringgita is not liable for indirect, consequential, or special losses of any kind, including but not limited to loss of revenue, business opportunity, or anticipated savings.

Nothing in these Terms limits Ringgita's liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

9. Website Use

You may use the Ringgita website for lawful purposes only. You must not:

• Attempt to gain unauthorised access to any part of the website or its underlying systems
• Transmit any harmful, disruptive, or unlawful content through the website
• Use automated tools to scrape, extract, or reproduce website content at scale
• Misrepresent your identity or affiliation when making enquiries or registrations

Ringgita makes reasonable efforts to maintain website availability but does not warrant uninterrupted access. We reserve the right to suspend or modify the website at any time for maintenance or operational reasons.

10. Third-Party Links

The Ringgita website may contain links to third-party websites, tools, or resources for informational convenience. Ringgita does not endorse, control, or accept responsibility for the content, accuracy, or practices of any linked third-party site. Accessing third-party links is entirely at your own risk, and we encourage you to review the terms and policies of any third-party site you visit.

11. Amendments to These Terms

Ringgita may update these Terms from time to time to reflect changes in our programmes, applicable law, or operational practices. The date of the most recent revision appears at the top of this page. Continued use of the website or participation in a programme after any revision constitutes acceptance of the updated Terms. For material changes affecting active enrolments, we will provide written notice by email.

12. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes arising from or related to these Terms or your participation in a Ringgita programme shall first be addressed through good-faith discussion between the parties.

If a resolution cannot be reached informally, disputes shall be subject to the non-exclusive jurisdiction of the courts of Malaysia.

13. Contact Us

For any questions, concerns, or requests related to these Terms, please reach us at: