Terms & Conditions

1. Definitions

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

• Pendula — the organisation operating the reading programmes and workshops described herein, registered in Singapore at 200 Cecil Street, #15-02, Singapore 069546.
• Participant — any individual who enrols in or attends a Pendula programme or workshop.
• Programme — any reading programme or workshop offered by Pendula, including the Mid-Career Money Reflection Reading Programme, the Household Coordination Reading Workshop, and the Singapore Schemes Reading Workshop.
• Agreement — these Terms and Conditions, together with the participant enrolment form signed at the time of enrolment.
• We / Us / Our — Pendula.
• You / Your — the Participant.

2. Acceptance of Terms

By submitting an enrolment for any Pendula programme, or by using our website to make an enquiry, you confirm that you have read and agree to be bound by these Terms and Conditions.

Participation in any Pendula programme is open to individuals aged 18 and above. Programmes are designed for adults aged 40 and above; however, individuals under 40 may enquire and will be considered on a case-by-case basis. No place will be offered to anyone under 18 years of age.

3. Description of Programmes

Pendula offers educational reading programmes and discussion workshops on the following subjects:

• Household money patterns and conversation structures (Mid-Career Money Reflection Reading Programme — four months, S$650)
• Household financial coordination language and frameworks (Household Coordination Reading Workshop — weekend, S$185)
• Singapore national savings and retirement scheme documentation — CPF and SRS (Singapore Schemes Reading Workshop — weekend, S$310)

All programmes are delivered in person at Pendula's Cecil Street premises in Singapore. Remote or online delivery is not currently offered.

Important: Pendula does not hold a financial advisory licence. No financial advice is offered during any programme or in any related communication. Programmes are purely educational in character.

4. Enrolment and Registration

Enrolment is confirmed upon receipt of the completed participant enrolment form and payment of the applicable programme fee. Places are allocated on a first-come basis and are subject to availability within each cohort.

Participants are responsible for providing accurate contact information at the time of enrolment. Pendula will communicate cohort dates, materials dispatch, and any programme-related updates to the contact details provided.

5. Participant Responsibilities

Participants are expected to:

• Engage respectfully with other participants and facilitators in all sessions
• Maintain the confidentiality of personal disclosures made by other participants within sessions
• Attend sessions at the times agreed at enrolment
• Refrain from recording any session in any form without prior written consent from Pendula
• Use programme materials for personal educational purposes only

Pendula reserves the right to ask a participant to leave a session or withdraw from a programme if their conduct is disruptive or harmful to other participants. In such cases, no fee refund will be provided.

6. Intellectual Property

All reading lists, workshop workbooks, facilitation frameworks, and printed materials produced by Pendula are the intellectual property of Pendula. They are provided to participants for personal, non-commercial educational use only and may not be reproduced, distributed, or published without prior written permission.

Materials drawn from publicly available Singapore government sources remain in the public domain and are subject to the terms of their original publication.

7. Payment Terms

Programme fees are denominated in Singapore dollars (SGD). Payment is required to confirm a programme place. Accepted payment methods will be communicated at the time of enrolment confirmation.

7.1 Refund Policy

Cancellations received more than 14 calendar days before the first session of a programme will receive a full refund of the programme fee. Cancellations received between 7 and 14 days before the first session will receive a 50% refund. No refund is available for cancellations received less than 7 days before the first session, or after the programme has commenced.

If Pendula cancels a programme due to insufficient enrolment or other circumstances, a full refund will be provided to all affected participants.

8. Disclaimers

Pendula's programmes are provided for educational purposes only. Nothing in any programme session, printed material, or communication from Pendula constitutes financial advice, investment advice, legal advice, or any other form of regulated professional advice.

Pendula does not make any representation about the outcomes of attending a programme. The educational value of participation will vary between individuals and depends on engagement with the reading materials and discussion format.

Reading materials are drawn from publicly available sources. Pendula does not verify or endorse the accuracy of third-party source materials beyond their status as published public documents.

9. Limitation of Liability

To the extent permitted by Singapore law, Pendula's total liability to any participant arising from or in connection with a programme shall not exceed the programme fee paid by that participant.

Pendula shall not be liable for any indirect, incidental, or consequential loss or damage arising from participation in a programme, including any financial decisions made by a participant following attendance.

Pendula will not be held liable for any failure to perform its obligations where that failure is caused by circumstances beyond its reasonable control, including natural disaster, civil disruption, public health restrictions, or government orders.

10. Indemnification

You agree to indemnify and hold harmless Pendula, its staff, and facilitators against any claims, damages, or expenses arising from your breach of these Terms and Conditions or from any act or omission during your participation in a programme.

11. Termination

A participant may withdraw from a programme at any time by giving written notice to Pendula. Refunds in such circumstances are subject to the cancellation terms set out in Section 7.

Pendula may terminate a participant's enrolment without refund if the participant breaches the conduct requirements set out in Section 5.

Sections 6, 8, 9, 10, and 12 of these Terms and Conditions survive termination of any enrolment agreement.

12. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of Singapore. Any dispute arising out of or in connection with these terms shall first be referred to informal negotiation between the parties. If the dispute is not resolved within 30 days of written notice, either party may refer the matter to the Singapore Mediation Centre or, failing resolution, to the courts of Singapore.

13. General Provisions

These Terms and Conditions, together with the participant enrolment form, constitute the entire agreement between Pendula and the participant in relation to a programme enrolment.

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Pendula's failure to enforce any right or provision of these terms does not constitute a waiver of that right or provision.

Pendula may not assign its obligations under these terms without the participant's consent. Participants may not assign their programme place to another individual.

14. Changes to These Terms

Pendula may update these Terms and Conditions periodically. Revised terms will be posted on this page with an updated "Last Updated" date. Enrolments completed before the effective date of any revision are governed by the terms in force at the time of enrolment, unless otherwise agreed in writing.

15. Contact

For legal enquiries relating to these Terms and Conditions, write to:

Pendula
200 Cecil Street, #15-02
Singapore 069546
[email protected]