Terms & Conditions

1. Definitions

In these terms, the following words have the meanings set out below:

"Agreement"

means these Terms & Conditions, together with any registration confirmation or programme enrolment letter issued by Compass Hours.

"Compass Hours", "we", "us", "our"

means Compass Hours, the provider of retirement preparation workshops, registered and operating from Unit 9-A, Wisma Pantai, Lebuh Light, 10200 George Town, Penang, Malaysia.

"Participant", "you", "your"

means any individual who registers for or attends a Compass Hours workshop or enrolls in a Compass Hours programme.

"Services"

means the educational workshops, short courses, and annual household programmes offered by Compass Hours, as described on the Compass Hours website and in registration documentation.

"Content"

means all printed workbooks, handouts, reading lists, session materials, and any other educational materials provided by Compass Hours in connection with its Services.

"Session"

means a single two-hour workshop event delivered by a Compass Hours facilitator.

"Programme"

means a structured series of sessions offered as the Three-Workshop Course or the Household Retirement Year.

2. Acceptance of Terms

By registering for a Session or enrolling in a Programme — whether by telephone, email, or any other method accepted by Compass Hours — you confirm that you have read, understood, and agree to be bound by this Agreement.

If you are registering on behalf of another person or a household, you confirm that you have the authority to bind that person or household to these terms and that all persons attending have been informed of and have agreed to these terms.

Participation in any Compass Hours Service is available to individuals who are at least 18 years of age and who have the legal capacity to enter into a binding agreement under Malaysian law.

If you do not agree to these terms, you should not register for or attend any Compass Hours Session or Programme.

3. Service Description

Compass Hours provides educational workshops on retirement preparation topics for adults and households in Malaysia. The Services are delivered in person at the Compass Hours office in George Town, Penang. Remote or online delivery is not currently offered.

The three Services currently available are:

• Single Workshop Attendance — a standalone two-hour session on one retirement preparation topic, priced at RM 480 per person.
• Three-Workshop Course — a sequence of three sessions across six weeks, priced at RM 1,150 per person.
• Household Retirement Year — a twelve-month programme for two participants, priced at RM 2,720.

Compass Hours reserves the right to modify, suspend, or discontinue any Service, change the schedule of sessions, or alter workshop topics, with reasonable notice where practicable. Changes to an enrolled Programme will be communicated directly to enrolled participants.

The Services are educational in nature. They do not constitute financial, legal, tax, medical, or any other form of professional advice. Nothing in the Services, the Content, or any communication from Compass Hours should be relied upon as a substitute for independent advice from a qualified professional.

4. Registration & Enrolment

Registration for all Compass Hours Services is taken by telephone or email only. There is no online booking system. A place in a Session or Programme is confirmed only upon receipt of a written or verbal confirmation from a Compass Hours team member.

Walk-in attendance at single-session workshops may be permitted subject to remaining capacity on the day. Compass Hours does not guarantee walk-in availability and recommends advance registration for all Sessions.

Enrolment in the Household Retirement Year Programme is subject to available capacity and is confirmed in writing. The programme runs on a rolling annual basis; specific start dates are agreed at the time of enrolment.

You are responsible for ensuring that all information provided at the time of registration is accurate. Compass Hours will use registration information solely in accordance with its Privacy Policy.

5. Participant Responsibilities

By attending a Session or enrolling in a Programme, you agree to:

• Arrive on time and behave respectfully toward facilitators and other participants.
• Not record, photograph, or film any part of a Session without prior written consent from Compass Hours.
• Not distribute, reproduce, or share any Content received in connection with the Services without prior written consent from Compass Hours.
• Not disclose to third parties any personal information shared by other participants during group sessions.
• Not use the Services for any unlawful purpose or in any way that could harm Compass Hours or other participants.
• Not misrepresent your identity, your household's circumstances, or your purpose in attending.

Compass Hours reserves the right to remove any participant from a Session or Programme where their conduct is deemed disruptive, disrespectful, or otherwise in breach of these responsibilities. No refund will be provided in such circumstances.

6. Intellectual Property

All Content — including workbooks, handouts, reading lists, session frameworks, and any other materials — is the intellectual property of Compass Hours and is protected under Malaysian copyright law and applicable international conventions.

Participants are granted a limited, personal, non-exclusive, non-transferable licence to use the Content solely for their own private, non-commercial retirement preparation purposes. This licence does not permit reproduction, distribution, resale, or public display of any Content.

The Compass Hours name, logo, and programme titles are the property of Compass Hours. Nothing in these terms grants you any right to use any trade name, trademark, or service mark of Compass Hours.

7. Payment Terms

All fees are quoted and payable in Malaysian Ringgit (RM). The current fees are:

• Single Workshop AttendanceRM 480 per person
• Three-Workshop CourseRM 1,150 per person
• Household Retirement YearRM 2,720 for 2 participants

Payment arrangements are confirmed at the time of registration. Compass Hours accepts payment by bank transfer or such other methods as may be notified at registration. Full payment is required prior to attendance unless otherwise agreed in writing.

Cancellation and Refund Policy

• Cancellations notified at least seven (7) calendar days before the scheduled Session date will receive a full refund.
• Cancellations notified between three (3) and six (6) calendar days before the Session date will receive a fifty percent (50%) refund.
• Cancellations notified less than three (3) calendar days before the Session date, or non-attendance without prior notification, will not be eligible for a refund.
• For enrolled Programmes, cancellation terms will be set out in the written enrolment confirmation.
• If Compass Hours cancels a Session, a full refund will be provided or, at the participant's election, a credit toward a future Session of equivalent value.

Compass Hours reserves the right to adjust its fees. Fee changes will not apply to Sessions or Programmes already registered or enrolled for prior to the fee change taking effect.

8. Workshop-Specific Terms

Single Workshop Attendance

Registration is for a single specified Session on a specific date. Registration does not carry over to future Sessions; a separate registration is required for each Session attended.

Three-Workshop Course

Registration covers all three sessions in the scheduled course sequence. Sessions must be attended in order. If a participant misses a session, Compass Hours will make reasonable efforts to accommodate attendance at the equivalent session in a subsequent course sequence, subject to availability and at the sole discretion of Compass Hours. No partial refund is available for missed sessions within the course.

Course registration is per individual. The course is not transferable to another person.

Household Retirement Year

Enrolment covers two named participants for the duration of the twelve-month programme. The written annual review is prepared by Compass Hours based on the household's participation in sessions and private facilitator meetings over the programme year; it is a summary of educational content and organisational notes only and does not constitute professional advice of any kind.

The three private facilitator sessions included in this programme are educational and organisational in nature. The facilitator will redirect questions requiring specialist expertise to appropriate professional sources.

9. Disclaimers

The Services are provided on an "as is" and "as available" basis for educational purposes only. Compass Hours makes no representation or warranty, express or implied, that the Services or the Content will meet your specific requirements, or that attendance will produce any particular outcome for your household's retirement preparation.

The Content is general in nature. It does not take into account your personal financial position, legal circumstances, health situation, tax obligations, or any other individual factors. Nothing communicated by Compass Hours — whether in a Session, in written materials, or in any other form — constitutes financial advice, legal advice, tax advice, medical advice, or any other form of professional advice regulated under Malaysian law.

Participants are responsible for obtaining independent professional advice from suitably qualified persons in relation to their own circumstances. Compass Hours does not endorse, recommend, or refer to any specific professional adviser, financial institution, or legal service.

10. Limitation of Liability

To the fullest extent permitted by Malaysian law, Compass Hours' total aggregate liability to any participant in connection with the Services — whether in contract, tort (including negligence), or otherwise — shall not exceed the fees paid by that participant for the specific Session or Programme giving rise to the claim.

Compass Hours shall not be liable for any indirect, consequential, special, incidental, or punitive loss or damage, including loss of income, loss of savings, loss of opportunity, or any financial loss arising from decisions made following attendance at a Session or enrolment in a Programme.

Compass Hours shall not be liable for any failure to perform its obligations under this Agreement where such failure arises from circumstances beyond its reasonable control, including but not limited to natural disasters, public health emergencies, government directives, or other force majeure events. In such circumstances, Compass Hours will make reasonable efforts to reschedule affected Sessions.

11. Indemnification

You agree to indemnify and hold harmless Compass Hours, its facilitators, and staff from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your breach of this Agreement, your use of the Services, your violation of any applicable law or regulation, or your infringement of any third-party rights.

12. Termination

You may withdraw from a Session or Programme at any time, subject to the cancellation and refund provisions in Section 7.

Compass Hours may terminate your participation in any Session or Programme immediately and without refund if you breach any provision of this Agreement, or if your conduct is deemed by Compass Hours to be harmful, disruptive, or otherwise incompatible with the educational environment.

Sections 6 (Intellectual Property), 9 (Disclaimers), 10 (Limitation of Liability), 11 (Indemnification), and 13 (Dispute Resolution) survive termination of this Agreement.

13. Dispute Resolution

This Agreement is governed by the laws of Malaysia. Any dispute arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Before commencing formal legal proceedings, both parties agree to attempt to resolve any dispute through informal discussion. A participant wishing to raise a dispute should contact Compass Hours in writing at [email protected]. Compass Hours will acknowledge the dispute within five (5) business days and will make reasonable efforts to reach a resolution within thirty (30) days.

Malaysian consumer protection laws, including the Consumer Protection Act 1999, apply where relevant. Nothing in these terms limits any rights you may have under applicable Malaysian consumer protection legislation.

14. General Provisions

Entire Agreement

This Agreement, together with any registration confirmation or enrolment letter issued by Compass Hours, constitutes the entire agreement between the parties with respect to its subject matter and supersedes all prior communications, representations, and agreements.

Severability

If any provision of this Agreement is found to be unenforceable or invalid under applicable law, that provision shall be limited or removed to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Waiver

Compass Hours' failure to enforce any provision of this Agreement shall not constitute a waiver of its right to do so in the future.

Assignment

You may not assign or transfer any rights or obligations under this Agreement without the prior written consent of Compass Hours. Compass Hours may assign or transfer its rights and obligations to a successor entity.

Notices

Notices from participants to Compass Hours should be sent by email to [email protected] or by post to Unit 9-A, Wisma Pantai, Lebuh Light, 10200 George Town, Penang, Malaysia. Notices from Compass Hours to participants will be sent to the email address or telephone number provided at registration.

15. Changes to Terms

Compass Hours may update these Terms & Conditions from time to time. The current version will always be available on the Compass Hours website. Material changes will be communicated to enrolled programme participants directly by email.

Your continued registration for or attendance at any Session or Programme after any changes become effective constitutes acceptance of the revised terms. If you do not accept the revised terms, you should not register for or attend further Sessions.

16. Contact Information

For questions about these Terms & Conditions, please contact: