Legal

Terms & Conditions

Last Updated: 15 May 2025  |  Effective Date: 15 May 2025

Please read these Terms & Conditions ("Agreement") carefully before enrolling in or using any Caventra reading programme or website. By submitting an enrolment enquiry, making a payment, or attending a Caventra programme session, you agree to be bound by these terms.

1. Definitions

• Caventra / We / Us / Our: Caventra, the education provider operating from 1 Phillip Street, #15-01, Royal One Phillip, Singapore 048692.
• Programme: Any reading programme, workshop, or reading circle offered by Caventra, including the Late-Career Reading Programme, the Saving Habits Reading Workshop, and the Household Finance Reading Circle.
• Participant / You: Any individual who enrols in or attends a Caventra programme.
• Materials: Any printed or digital reading materials, workbooks, cards, or notebooks distributed as part of a programme.
• Website: The Caventra website accessible at caventra.live.

2. Acceptance of Terms

By submitting an enrolment enquiry or making a payment for a programme, you confirm that you are at least 18 years of age and have the legal capacity to enter into this Agreement. If you are enrolling on behalf of another adult, you confirm that you have their authority to do so and that they agree to be bound by these terms.

3. Service Description

Caventra provides reading-led financial education programmes for adults aged 40 and above. All programmes are educational in scope. Caventra is not a licensed financial adviser, does not provide regulated financial advice, and does not recommend any financial product, investment, or strategy. The content of our programmes is intended to build vocabulary and frameworks; it is not a substitute for professional financial advice.

Programmes are conducted in English, at our premises in Singapore, unless otherwise stated in writing at the time of enrolment.

4. Enrolment

Enrolment is confirmed upon receipt of full payment of the programme fee. Caventra reserves the right to decline any enrolment at its discretion, in which case any payment received will be refunded in full. Cohort sizes are limited; places are allocated on a first-come, first-confirmed basis.

5. Payment Terms

Fees (in Singapore Dollars)

• Late-Career Reading Programme: S$880
• Household Finance Reading Circle: S$340
• Saving Habits Reading Workshop: S$160

Refund Policy

• Cancellation more than 14 days before programme start: full refund less an administrative fee of S$30.
• Cancellation 7 to 14 days before programme start: 50% refund.
• Cancellation fewer than 7 days before programme start: no refund unless the place can be filled by another participant from a waiting list, in which case a full refund less the administrative fee will be issued.
• If Caventra cancels a programme for any reason, a full refund will be issued.

Transfer of enrolment to another individual may be arranged with Caventra's written approval, subject to the replacement participant meeting the programme's age requirement.

6. Participant Responsibilities

• Participants are expected to read pre-distributed materials before each session.
• Participants are expected to engage respectfully with all members of the cohort and with the facilitator.
• Participants must not record sessions (audio, video, or otherwise) without the express written consent of Caventra and of all other cohort members.
• Participants must not share cohort discussion content in any form that could identify other participants, outside the cohort setting.
• The minimum age for participation is 40 years, except for the Late-Career Reading Programme, where participants must be aged 48 to 62.

7. Intellectual Property

All reading materials, workbooks, cards, notebooks, and other content distributed or presented by Caventra are the intellectual property of Caventra or its licensors. Participants receive a personal, non-transferable licence to use the materials for their own educational purposes. Participants may not reproduce, distribute, or adapt any materials for commercial purposes or share them publicly without Caventra's prior written consent.

8. Educational Scope — No Financial Advice

Caventra's programmes are strictly educational. Nothing shared in any session, material, or correspondence constitutes financial advice, a recommendation to purchase or avoid any financial product, or a representation about the likely outcome of any financial decision. Participants should consult a licensed financial adviser for advice specific to their circumstances.

9. Disclaimers

Programmes and materials are provided on an "as is" basis. While we take care to ensure the accuracy of our materials, we make no representation or warranty that the content is free from error or that it reflects the most current state of any regulation, scheme, or framework. We recommend that participants verify any specific figures or regulatory details with the relevant Singapore government bodies or licensed advisers before acting on them.

10. Limitation of Liability

To the fullest extent permitted by Singapore law, Caventra's total liability to any participant in connection with a programme shall not exceed the amount paid by that participant for that programme. Caventra shall not be liable for any indirect, consequential, or special loss or damage, including loss of earnings, arising from participation in a programme or use of programme materials.

11. Indemnification

You agree to indemnify Caventra against any claim, loss, or expense arising from your breach of these terms, your conduct during a programme session, or your unauthorised use of programme materials.

12. Termination

Caventra may terminate a participant's enrolment without refund if the participant's conduct materially disrupts programme sessions or breaches these terms. A participant may withdraw from a programme at any time, subject to the refund policy in Section 5.

13. Dispute Resolution

These Terms are governed by the laws of Singapore. In the event of a dispute, both parties agree to attempt to resolve the matter informally in the first instance by contacting Caventra at [email protected]. If the matter is not resolved within 30 days, either party may refer the dispute to the Singapore Mediation Centre or, failing mediation, to the courts of Singapore.

14. General Provisions

• Entire Agreement: This Agreement constitutes the entire agreement between the parties in relation to programme enrolment and participation.
• Severability: If any provision is found to be unenforceable, the remaining provisions remain in full force.
• Waiver: Failure to enforce any provision does not constitute a waiver of the right to enforce it in future.
• Assignment: Caventra may assign its rights and obligations under this Agreement. Participants may not assign their enrolment without written consent.

15. Changes to These Terms

Caventra may update these Terms from time to time. The updated version will be posted on the website with a revised effective date. For participants already enrolled in a programme when terms are updated, the terms in effect at the time of enrolment will continue to apply to that programme cohort.

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