Terms & Conditions

These Terms and Conditions ("Terms") govern your access to and use of the Pennybloom website located at pennyblo.info ("Website") and your participation in any programs or services offered by Pennybloom ("Programs"). By using the Website or registering for a Program, you agree to be bound by these Terms.

These Terms are governed by the laws of Malaysia.

1. Acceptance of Terms

By accessing our Website or engaging with our services in any way — including submitting an enquiry form, registering for a program, or attending a session — you confirm that you have read, understood, and agree to these Terms. If you do not agree, please do not use our Website or services.

2. Definitions

• "Pennybloom" refers to the financial education business operating under that name from 62 Jalan Hang Jebat, 75200 Melaka, Malaysia.
• "Participant" refers to any individual who has registered for or attended a Pennybloom Program.
• "Visitor" refers to any person who accesses the Pennybloom Website.
• "Program" refers to any structured financial education offering delivered by Pennybloom, including Money Conversations for Couples, Navigating Financial Products, and the Legacy Planning Conversation Series.
• "Materials" refers to any workbooks, templates, documents, slides, prompt cards, checklists, or other content provided during or in connection with a Program.

3. Nature of Services — Education, Not Advice

Pennybloom provides financial education. Our Programs are structured learning experiences designed to improve financial understanding and decision-making capacity. They are not a substitute for personalised financial advice, investment recommendations, legal counsel, or any other professional advisory service.

Facilitators are educators, not licensed financial advisers or lawyers. Nothing communicated during a Program — verbally, in writing, or through Materials — should be interpreted as financial, investment, legal, or tax advice specific to your circumstances.

Where referrals to licensed professionals are provided, these are for informational purposes only. Pennybloom does not endorse or take responsibility for the conduct or advice of any referred professional.

4. Enrolment and Eligibility

Programmes are open to individuals aged 18 and above, unless otherwise specified. Enrolment is confirmed upon receipt of the required deposit and written confirmation from Pennybloom.

For Programs designed for couples, both partners are expected to attend all sessions. Substituting or replacing a partner mid-program is subject to facilitator discretion.

Pennybloom reserves the right to decline enrolment or to ask a Participant to withdraw from a Program if their participation is deemed incompatible with the wellbeing of the group, at the sole discretion of the facilitating team.

5. Fees and Payment

Program fees are as stated at the time of enquiry and confirmed in writing prior to registration. Fees are quoted in Malaysian Ringgit (RM) and are inclusive of all stated Materials unless otherwise specified.

A deposit is required to secure your place in a cohort. The balance is due prior to the first session, unless an alternative arrangement has been agreed in writing.

Fees may be revised for future cohorts. Any change will not affect confirmed enrolments for which a deposit has already been received.

6. Cancellation, Rescheduling, and Refunds

6.1 Cancellation by Participant

If you need to cancel your enrolment, the following terms apply:

• More than 14 days before the first session: Full refund of any deposit paid, less a RM 50 administrative fee.
• 7 to 14 days before the first session: 50% of the deposit is refundable.
• Less than 7 days before the first session, or after the program has begun: The deposit is non-refundable. A credit towards a future cohort may be offered at Pennybloom's discretion.

Cancellation requests must be submitted in writing to our email address.

6.2 Cancellation or Changes by Pennybloom

Pennybloom reserves the right to reschedule or cancel a Program due to insufficient enrolment, unforeseen circumstances, or force majeure events. In the event of cancellation by Pennybloom, you will receive a full refund of any fees paid. We will provide as much notice as practically possible.

7. Program Content and Schedule Changes

Pennybloom may make reasonable adjustments to session content, format, facilitators, or scheduling without prior notice, provided the overall scope and learning outcomes of the Program remain substantially consistent. Where changes are significant, we will notify Participants by email.

8. Participant Conduct and Confidentiality

Participants are expected to engage respectfully with facilitators and other participants at all times. Disruptive, offensive, or inappropriate behaviour may result in removal from a Program without refund.

Sessions are conducted in a confidential environment. Participants agree not to share identifying details or personal disclosures made by other Participants outside the session context. Recording of sessions in any format is not permitted without the prior written consent of all parties present.

9. Intellectual Property

All Materials, content, and curriculum delivered by Pennybloom remain the intellectual property of Pennybloom and are provided for the personal educational use of the Participant only. You may not reproduce, distribute, modify, adapt, or create derivative works from any Pennybloom Materials without prior written consent.

All content on the Pennybloom Website — including text, graphics, logos, and design elements — is owned by or licensed to Pennybloom and is protected under applicable intellectual property laws.

10. Disclaimer of Warranties

The Website and its content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied. Pennybloom does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

While we endeavour to ensure that all Program content is accurate and current, Pennybloom makes no representations as to the completeness, accuracy, or suitability of the information provided for any particular purpose.

11. Limitation of Liability

To the maximum extent permitted by Malaysian law, Pennybloom shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our Website or Programs, including but not limited to financial decisions made as a result of information received during a Program.

Our total liability to you for any claim arising in connection with a Program shall not exceed the total fees paid by you for that Program.

12. Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Attempt to gain unauthorised access to any part of the Website or its underlying systems
• Use automated tools to scrape or index Website content without prior consent
• Transmit any harmful, offensive, or disruptive content via the Website's contact or enquiry functions

Pennybloom reserves the right to restrict access to the Website at any time and for any reason.

13. Privacy

Your use of the Website and your participation in Programs is subject to our Privacy Policy, which forms part of these Terms by reference.

14. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

We encourage Participants to raise concerns directly with us in the first instance. We will make every effort to resolve disputes informally and in good faith.

15. Changes to These Terms

Pennybloom may update these Terms from time to time. The "Last updated" date at the top of this page will be revised accordingly. Continued use of the Website or enrolment in Programs after any update constitutes acceptance of the revised Terms. Material changes will be communicated by email where an existing relationship exists.

16. Contact

If you have questions about these Terms, please contact us:

Pennybloom
Email: [email protected]
Phone: +60 6-2831 4597
Address: 62 Jalan Hang Jebat, 75200 Melaka, Malaysia
Operating Hours: Mon–Fri 9:00am–6:00pm · Sat 9:00am–1:00pm