Terms & Conditions

1. Definitions

In these Terms and Conditions, the following terms have the meanings set out below:

• "Hearthnest", "we", "us", "our" refers to the organisation operating under the name Hearthnest at 22A Jalan Telawi, Bangsar Baru, 59100 Kuala Lumpur, Malaysia.
• "Programme" refers to any service offered by Hearthnest, including the Pre-Retirement Reading Group, the Household Records Coaching Block, and the Retirement Calendar Planning Year.
• "Participant" or "you" refers to any person who enquires about, registers for, or attends any Hearthnest programme.
• "Session" refers to any individual meeting, workshop, coaching appointment, or community call delivered as part of a Programme.
• "Agreement" refers to the contract formed when you register for and pay for a Programme.

2. Acceptance of Terms

By registering for or attending any Hearthnest Programme, you confirm that you have read and agree to these Terms and Conditions in their entirety. If you do not agree to these terms, you should not register for or attend any Hearthnest Programme.

You must be at least 18 years of age to participate in any Hearthnest Programme. By registering, you confirm that you meet this requirement.

3. Programme Description and Scope

Hearthnest provides educational and organisational programmes for adults preparing for retirement. Our programmes consist of facilitated reading group discussions, personal administrative coaching sessions, and structured annual planning activities.

Important: Hearthnest programmes are educational and organisational in nature only. We do not provide financial advice, legal advice, tax advice, medical advice, or any other regulated professional advice. Nothing communicated in any session, written material, or follow-up note constitutes professional advice of any kind. Participants are strongly encouraged to consult qualified professionals independently for advice on financial, legal, health, and tax matters.

Programmes are delivered primarily at our Bangsar Baru premises. Remote options may be available for coaching sessions — availability is confirmed at the time of registration.

4. Registration and Enrolment

Registration for a Programme is completed when: (a) you submit an enquiry or registration form; (b) we confirm your place in writing; and (c) payment is received in full or a payment schedule is agreed.

Places in reading groups and coaching sessions are limited. Confirmation of a place is subject to availability at the time of registration.

5. Payment Terms

5.1 Fees

Programme fees are as follows, in Malaysian Ringgit (RM):

• Pre-Retirement Reading Group: RM 480 per month
• Household Records Coaching Block (four sessions): RM 1,840
• Retirement Calendar Planning Year (twelve months): RM 3,000

5.2 Payment

Payment is due at the time of registration unless a payment schedule has been agreed in writing. Accepted payment methods will be confirmed at the time of registration. All fees are stated and payable in Malaysian Ringgit.

5.3 Cancellation and Refunds

• Cancellations made more than fourteen (14) days before the start of a Programme will receive a full refund less any payment processing fees.
• Cancellations made between seven (7) and fourteen (14) days before the start of a Programme will receive a 50% refund.
• Cancellations made fewer than seven (7) days before the start of a Programme are not eligible for a refund. A credit towards a future programme may be offered at our discretion.
• For ongoing monthly Reading Group enrolments, a minimum of fourteen (14) days' written notice is required to discontinue.
• Hearthnest reserves the right to cancel or reschedule a session due to circumstances outside our control. In such cases, affected participants will be offered an alternative date or a proportional refund.

6. Participant Conduct

Participants are expected to engage respectfully with facilitators and other participants at all times. Hearthnest reserves the right to remove any participant from a session or programme without refund if their conduct is disruptive, disrespectful, or otherwise undermines the safe and constructive environment we aim to maintain.

7. Intellectual Property

All written summaries, templates, workbooks, and other materials prepared by Hearthnest and provided to participants are for the personal use of the individual participant only. They may not be reproduced, distributed, or shared with third parties without our prior written consent.

Reading materials drawn from publicly available publications remain the property of their respective authors and publishers. Hearthnest provides these for the purposes of group discussion only.

8. Confidentiality

Hearthnest treats all personal information shared by participants in sessions as confidential. Facilitators and coaches will not share information disclosed in sessions with other participants. General themes raised in group discussions may be referenced in future sessions only in anonymised form, and only where this serves the educational purpose of the group.

9. Disclaimers

Our programmes are provided as educational and organisational tools. We make no representations about specific outcomes, results, or consequences that may follow from participation. Individual circumstances vary and we cannot represent that any particular outcome will occur from attending our programmes.

We are not financial planners, lawyers, therapists, or tax advisers. The information discussed in our programmes should not be treated as a substitute for independent professional advice.

10. Limitation of Liability

To the fullest extent permitted by Malaysian law, Hearthnest's liability to any participant shall not exceed the amount of fees paid by that participant for the relevant Programme.

We shall not be liable for any indirect, consequential, or incidental loss arising from participation in our programmes, including but not limited to decisions made on the basis of information discussed in sessions.

11. Indemnification

You agree to indemnify and hold harmless Hearthnest, its staff, and facilitators from any claims, losses, or expenses arising from: (a) your use of our programmes in breach of these terms; (b) any conduct by you during sessions that causes harm to other participants or staff; or (c) any misrepresentation made by you in connection with your registration.

12. Termination

Either party may terminate an ongoing programme arrangement (such as the monthly Reading Group) by giving fourteen (14) days' written notice. Hearthnest reserves the right to terminate without notice where a participant's conduct is in material breach of these terms.

On termination, any sessions already paid for and not yet delivered will be refunded on a pro-rata basis, except where termination is due to breach by the participant.

13. Governing Law and Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with the laws of Malaysia. Any dispute arising from or in connection with these Terms shall first be subject to good-faith negotiation between the parties. If the dispute is not resolved within thirty (30) days of written notice, it may be referred to mediation or, if mediation fails, to the courts of Malaysia in Kuala Lumpur.

14. General Provisions

• Entire agreement: These Terms, together with any programme confirmation sent to you in writing, constitute the entire agreement between you and Hearthnest in relation to the relevant Programme.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce any right under these Terms on a particular occasion does not waive that right on future occasions.
• Notices: Notices should be sent to [email protected] or to our postal address at 22A Jalan Telawi, Bangsar Baru, 59100 Kuala Lumpur.

15. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with an updated effective date. For participants enrolled in an ongoing programme at the time of a material change, we will provide written notice of the change at least fourteen (14) days before it takes effect.

16. Contact

For questions about these Terms and Conditions:

• Email: [email protected]
• Address: Hearthnest, 22A Jalan Telawi, Bangsar Baru, 59100 Kuala Lumpur, Malaysia
• Phone: +60 3-2287 4915