Terms & Conditions

1. About Us

Fundara is a financial education practice registered in Singapore, operating from 71 Robinson Road, #08-02, Singapore 068895. We provide structured educational programmes on personal finance topics to individuals in Singapore. We are not a licensed financial adviser and do not provide regulated financial advice under the Financial Advisers Act (Cap. 110).

2. Nature of Our Services

All content, materials, and sessions delivered by Fundara are educational in nature. Our programmes are designed to improve financial literacy and equip participants with analytical frameworks and general knowledge. Nothing communicated by Fundara — verbally, in writing, or through any materials — constitutes:

• A recommendation to buy, sell, or hold any specific financial product or security
• Personalised financial advice regulated under Singapore law
• Legal, tax, or accounting advice

Participants are encouraged to seek independent regulated advice before making financial or legal decisions. For our Estate and Legacy Structuring programme, referrals to qualified legal professionals are provided as a courtesy and do not constitute a legal engagement between you and Fundara.

3. Eligibility

Our services are available to individuals aged 18 years and above who are residents of or located in Singapore. By enrolling in a programme or submitting an enquiry, you confirm that you meet this eligibility requirement. Fundara reserves the right to decline enrolment at its discretion.

4. Enrolment and Payment

4.1 Enrolment Process

Enrolment is confirmed upon receipt of full payment and a written confirmation from Fundara. Submission of an enquiry or expression of interest does not constitute a binding enrolment until confirmed in writing by us.

4.2 Pricing

All prices are quoted in Singapore Dollars (SGD) and are inclusive of applicable taxes unless stated otherwise. Current programme fees are:

• Financial Literacy for Freelancers — SGD 310
• ETF Investing: Building a Core Portfolio — SGD 550
• Estate and Legacy Structuring — SGD 1,050

Fundara reserves the right to revise programme fees. Any changes will not affect confirmed enrolments for which payment has already been received.

4.3 Payment

Payment details will be provided upon confirmation of your enrolment. We accept payment via bank transfer and such other methods as communicated at the time of enrolment. Payments are processed securely. We do not store card details on our systems.

5. Cancellation and Refund Policy

5.1 Cancellation by Participant

We understand that circumstances change. Our cancellation policy is as follows:

• More than 14 days before the programme start date: Full refund, less any payment processing fees incurred.
• 7 to 14 days before the programme start date: 50% refund of the programme fee.
• Fewer than 7 days before the programme start date: No refund. Where possible, we will offer a transfer to the next available cohort at no additional charge.

To request a cancellation, please contact us in writing at [email protected]. The date of receipt of your written cancellation request determines which tier applies.

5.2 Cancellation by Fundara

Fundara reserves the right to cancel or reschedule a programme in exceptional circumstances, including where minimum participant numbers are not reached. In the event of a cancellation initiated by Fundara, participants will receive a full refund or the option to transfer to a future cohort.

5.3 Missed Sessions

If a participant is unable to attend a scheduled session, we will make reasonable efforts to provide a catch-up option, subject to availability. Missed sessions do not entitle a participant to a partial refund.

6. Intellectual Property

All materials provided to participants — including slides, toolkits, spreadsheets, written summaries, and any other programme content — are the intellectual property of Fundara. These materials are licensed to participants for personal, non-commercial use only. You may not:

• Reproduce, distribute, or republish any Fundara materials without prior written consent
• Use materials for commercial purposes or in any advisory or professional capacity
• Share login credentials, materials, or session recordings with individuals who have not enrolled in the programme

The Fundara name, logo, and associated marks are proprietary and may not be used without express written permission.

7. Participant Conduct

We aim to maintain a respectful and constructive learning environment for all participants. By enrolling, you agree to:

• Engage respectfully with Fundara staff and fellow participants
• Not record sessions without prior written consent from Fundara
• Not misrepresent Fundara's content, opinions, or materials in any public forum

Fundara reserves the right to remove a participant from a programme without refund if conduct is deemed disruptive, abusive, or otherwise contrary to a productive learning environment.

8. Website Use

8.1 Acceptable Use

You agree to use the Fundara website for lawful purposes only. You must not use the website in any way that could damage, disrupt, or impair its operation, or in a manner that is harmful, offensive, or in violation of applicable Singapore law.

8.2 Accuracy of Website Content

We make reasonable efforts to ensure that information on our website is accurate and current. However, we do not warrant the completeness or accuracy of any content. Programme details, fees, and schedules are subject to change. Always confirm current details with us directly before making a decision.

8.3 Third-Party Links

Our website may contain links to external websites. These are provided for convenience only. Fundara does not endorse, control, or take responsibility for the content, privacy practices, or availability of third-party sites.

9. Limitation of Liability

To the fullest extent permitted by Singapore law, Fundara shall not be liable for:

• Any financial loss or investment outcome arising from the application of concepts discussed in our programmes
• Any indirect, incidental, or consequential loss arising from your use of our website or services
• Errors or omissions in educational materials, where such materials are provided in good faith for general educational purposes

Fundara's total liability in respect of any claim arising out of or in connection with our services shall not exceed the amount paid by the participant for the relevant programme.

10. Testimonials and Case Studies

Any testimonials, case studies, or participant outcomes featured on our website or materials reflect individual experiences and are shared with the relevant participant's consent. They are not indicative of typical outcomes for all participants. Results vary based on individual circumstances, prior knowledge, and application of concepts learned.

11. Privacy

The collection and use of personal data in connection with our website and services is governed by our Privacy Policy, which forms part of these Terms and Conditions. By engaging with Fundara, you acknowledge and agree to our Privacy Policy.

12. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Singapore. Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Singapore, unless otherwise agreed in writing between the parties.

13. Changes to These Terms

Fundara may revise these Terms and Conditions from time to time. Updates will be posted on this page with a revised "Last Updated" date. For enrolled participants, material changes will be communicated directly. Continued use of our website or services following any revision constitutes acceptance of the updated terms.

14. Contact

For any questions regarding these Terms and Conditions, please reach out to us:

• Email: [email protected]
• Phone: +65 6817 4295
• Post: Fundara, 71 Robinson Road, #08-02, Singapore 068895