Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "We," "Us," "Our" refers to Cornerstone Planning
• "You," "Your" refers to the participant or user of our services
• "Services" refers to our educational programs, courses, consultations, and related materials
• "Program" refers to any educational course or training offered by Cornerstone Planning
• "Website" refers to our online platform and related digital properties
• "Agreement" refers to these Terms and Conditions along with any enrollment forms and related documents

2. Acceptance of Terms

By accessing our website, enrolling in our programs, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

You must be at least 18 years of age to enroll in our programs. By enrolling, you represent that you have the legal capacity to enter into this agreement.

If you do not agree with these terms, please do not use our services or enroll in our programs.

3. Educational Programs and Services

3.1 Program Description

Our programs provide financial education designed to help participants develop knowledge and understanding of personal financial management. Program descriptions, durations, and content are provided on our website and in enrollment materials.

3.2 Educational Nature

Our services are strictly educational in nature. We do not provide financial advice, recommend specific investments, sell financial products, or manage client assets. Participants remain solely responsible for their own financial decisions.

3.3 Program Modifications

We reserve the right to modify program content, schedules, or facilitators as necessary. Material changes will be communicated to enrolled participants. If changes significantly affect program value, participants may request a refund according to our refund policy.

4. Enrollment and Registration

4.1 Enrollment Process

Enrollment becomes binding upon payment of program fees. We will confirm your enrollment via email with program details and access information.

4.2 Enrollment Requirements

Participants must provide accurate contact information and any requested details during enrollment. You are responsible for maintaining current contact information throughout program participation.

4.3 Program Capacity

Programs have limited enrollment to maintain quality instruction. Enrollment is accepted on a first-come, first-served basis once payment is received.

5. Fees and Payment

5.1 Program Fees

Program fees are stated in Singapore Dollars (SGD) and are payable at the time of enrollment unless alternative arrangements have been agreed in writing.

5.2 Payment Methods

We accept payment via bank transfer, credit card, or other methods as indicated during enrollment. Payment must be received before program access is granted.

5.3 Refund Policy

Refund requests must be submitted in writing to [email protected]. Refunds are processed according to the following schedule:

• More than 14 days before program start: 100 percent refund minus administrative fee of SGD 50
• 7-14 days before program start: 50 percent refund
• Less than 7 days before program start: No refund
• After program has started: No refund except in cases of serious illness or other extenuating circumstances, evaluated on a case-by-case basis

5.4 Program Cancellation by Us

We reserve the right to cancel programs due to insufficient enrollment or other circumstances. In such cases, participants will receive a full refund or the option to transfer to another program session.

6. Participant Responsibilities

6.1 Attendance and Participation

Participants are expected to attend all scheduled sessions. While we understand that conflicts may arise, regular attendance is important for gaining full program value.

6.2 Conduct Standards

Participants must conduct themselves professionally and respectfully toward facilitators and other participants. Disruptive behavior, harassment, or violations of confidentiality may result in removal from the program without refund.

6.3 Confidentiality

Participants agree to maintain confidentiality regarding financial information or personal details shared by other participants during programs.

7. Intellectual Property

7.1 Our Intellectual Property

All program materials, content, workbooks, templates, and other educational resources are the intellectual property of Cornerstone Planning and are protected by copyright and other intellectual property laws.

7.2 License to Use Materials

Participants receive a limited, non-exclusive, non-transferable license to use program materials for personal financial planning purposes only. Materials may not be reproduced, distributed, or used for commercial purposes without written permission.

7.3 Restrictions

You may not: copy materials for distribution to others, sell or license materials, modify materials for commercial use, or remove copyright notices from materials.

8. Disclaimers and Limitations

8.1 Educational Disclaimer

Our programs provide general financial education and are not tailored financial advice for your specific situation. You should consult with qualified financial, legal, or tax professionals before making significant financial decisions.

8.2 No Guarantees

We make no guarantees or promises regarding specific financial outcomes or results from participating in our programs. Financial success depends on many factors including individual circumstances, decisions, and market conditions beyond our control.

8.3 Service Availability

While we strive to provide uninterrupted access to our services, we do not guarantee that our website or programs will be available at all times or free from errors.

9. Limitation of Liability

To the maximum extent permitted by Singapore law:

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from your use of or inability to use our services.

Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount you paid for the specific program giving rise to the claim.

These limitations apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

10. Indemnification

You agree to indemnify and hold harmless Cornerstone Planning, its facilitators, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your violation of these Terms and Conditions
• Your violation of any rights of another party
• Your misuse of program materials or information
• Your financial decisions made based on program participation

11. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which can be found at Privacy Policy. By using our services, you consent to our collection and use of personal data as described in the Privacy Policy.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms and Conditions are governed by the laws of Singapore. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Singapore.

12.2 Informal Resolution

Before initiating formal legal proceedings, parties agree to attempt to resolve disputes through good faith negotiation. Please contact us at [email protected] to discuss any concerns.

13. General Provisions

13.1 Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any enrollment agreements, constitute the entire agreement between you and Cornerstone Planning regarding our services.

13.2 Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13.3 Waiver

Our failure to enforce any right or provision of these terms shall not constitute a waiver of that right or provision.

13.4 Assignment

You may not assign or transfer your rights or obligations under these terms without our written consent. We may assign our rights and obligations without restriction.

14. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to our website with a new "Last Updated" date.

For enrolled participants, material changes will be communicated via email. Continued participation in programs after receiving notice of changes constitutes acceptance of the modified terms.

We encourage you to review these terms periodically to stay informed of any updates.

15. Contact Information

For questions about these Terms and Conditions, please contact: