Terms & Conditions

1. Definitions

• "Centavo", "we", "us", "our" refers to Centavo, operating from Level 20, Menara Public Bank, No. 146 Jalan Ampang, 50450 Kuala Lumpur.
• "Programme" refers to any educational session, course or programme offered by Centavo, including the Market Vocabulary Primer, Market Concepts Course and Complete Market Literacy Programme.
• "Participant" or "you" refers to any individual who enquires about, registers for or attends a Centavo Programme.
• "Materials" refers to printed glossaries, concept maps, reading notes, reference guides, digital resources and any other content provided in connection with a Programme.
• "Website" refers to the website operated by Centavo at centavobn.world.
• "Agreement" refers to these Terms and Conditions together with any enrolment confirmation.

2. Acceptance of Terms

By submitting an enquiry, registering for a Programme or attending a session, you confirm that you have read and agree to be bound by this Agreement. You must be at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are registering on behalf of an organisation, you confirm that you have authority to bind that organisation.

3. Description of Programmes

Centavo provides general education on stock market vocabulary and concepts. All Programmes are delivered strictly as educational content and do not constitute financial advice, investment recommendations or any form of regulated financial service under Malaysian law.

Programmes are delivered in person at our Kuala Lumpur premises. Session dates, times and availability are subject to change; confirmed participants will be notified of any changes in advance.

Centavo reserves the right to modify the content and format of Programmes as necessary to maintain quality and accuracy, provided that the core educational purpose remains unchanged.

4. Participant Responsibilities

You agree to:

• Provide accurate registration information
• Treat other participants and facilitators with respect during sessions
• Not record sessions without prior written consent from Centavo
• Not use Materials for commercial purposes or redistribute them without permission
• Not seek or interpret any content in a session as personal financial advice

Centavo may remove any participant from a session without refund where behaviour is disruptive or inconsistent with these responsibilities.

5. Intellectual Property

All Materials and Website content are the intellectual property of Centavo or its licensors and are protected under Malaysian copyright law. Upon enrolment, you are granted a limited, non-exclusive, non-transferable licence to use Materials for your personal educational purposes only.

You may not reproduce, redistribute, sell, modify or create derivative works from any Materials without prior written permission from Centavo.

6. Fees and Payment

Programme fees are stated in Malaysian Ringgit (RM) and are inclusive of all Materials listed in the relevant Programme description. Fees must be paid in full prior to attendance unless otherwise agreed in writing.

Payment instructions will be provided upon registration confirmation. We accept bank transfer and other methods as specified in the confirmation email.

Cancellation and refunds: If you cancel your place more than seven calendar days before the session date, you will receive a full refund. Cancellations within seven days of the session date are non-refundable, although your place may be transferred to a future cohort at no charge, subject to availability. Centavo reserves the right to cancel or reschedule a session; in such cases a full refund will be provided if the rescheduled date is not acceptable to you.

7. Enrolment and Programme Participation

Enrolment is confirmed upon receipt of payment and a confirmation email from Centavo. Group sizes are limited and places are allocated in the order in which registrations are received and confirmed.

Completion of a Programme does not confer any accreditation, qualification, licence or certification. Centavo programmes are general educational experiences only.

8. Disclaimers

Programmes and Materials are provided for general educational purposes only. Nothing in any Programme or Material constitutes financial advice, a recommendation to buy or sell any financial instrument, or any other form of regulated advice.

Centavo makes no representation that participation in any Programme will result in any particular financial literacy outcome or capability. Individual results will depend on prior knowledge, engagement and other personal factors.

Centavo is not a licensed financial adviser, broker or investment manager. Participants are encouraged to consult a licensed financial professional registered with the Securities Commission Malaysia for any personal financial decisions.

9. Limitation of Liability

To the fullest extent permitted by Malaysian law, Centavo's total liability to any Participant in connection with a Programme shall not exceed the fee paid by that Participant for the relevant Programme.

Centavo shall not be liable for any indirect, consequential, incidental or special loss or damage arising out of or in connection with a Programme, including any financial loss arising from decisions made on the basis of educational content.

Nothing in these terms limits liability for death or personal injury caused by negligence, or for fraudulent misrepresentation, or for any other liability that cannot be excluded by law.

10. Indemnification

You agree to indemnify and hold harmless Centavo and its team members from any claims, losses, liabilities, costs or expenses (including reasonable legal fees) arising from your breach of this Agreement or your conduct during a Programme.

11. Termination

Centavo may terminate or suspend your participation in a Programme with immediate effect if you breach any material term of this Agreement. In such cases the fee for the relevant Programme will not be refunded.

Sections relating to intellectual property, disclaimers, limitation of liability, indemnification and dispute resolution will survive termination of this Agreement.

12. Governing Law and 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 initiating formal proceedings, either party agrees to attempt to resolve the dispute through good-faith discussion for a period of at least 30 days. Mediation through the Malaysian Mediation Centre may be proposed by either party as an alternative to litigation.

13. General Provisions

• Entire agreement: This Agreement constitutes the entire agreement between Centavo and the Participant in relation to the subject matter and supersedes all prior communications.
• Severability: If any provision of this Agreement is found to be unenforceable, the remaining provisions will continue in full force.
• Waiver: Failure by Centavo to enforce any provision of this Agreement does not constitute a waiver of the right to do so at a later date.
• Assignment: You may not assign your rights or obligations under this Agreement without Centavo's prior written consent.
• Notices: Formal notices under this Agreement should be sent by email to [email protected] or to the address below.

14. Changes to These Terms

Centavo may update these Terms from time to time. The current version will be posted on the Website with an updated date. Continued use of the Website or enrolment in a Programme following any update constitutes acceptance of the revised Terms. Registered Participants will be notified of material changes by email.