Terms & Conditions

1. Definitions

• "Flowry", "we", "us", "our" — refers to the company operating the household cash flow education programs and website at flowry.cyou, based at Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
• "Programs" or "Services" — refers to any educational course, workshop, or program offered by Flowry, including the Cash Flow Foundations Course, Managing Monthly Money Workshop, and Complete Household Cash Flow Program.
• "User", "you", "your" — refers to any individual who visits the website, submits an enquiry, or enrols in a Flowry program.
• "Content" — refers to all materials provided through Flowry programs, including worksheets, modules, recordings, and written guides.
• "Agreement" — these Terms & Conditions, read together with our Privacy Policy and Cookie Policy.

2. Acceptance of Terms

By accessing our website, submitting an enquiry, or enrolling in any Flowry program, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions.

You must be at least 18 years of age to enrol in a Flowry program. By proceeding with enrolment, you confirm that you meet this requirement and have the legal capacity to enter into this Agreement under Malaysian law.

If you do not agree with any part of these terms, please refrain from using our website or enrolling in our programs.

3. Service Description

Flowry provides general household cash flow education through self-paced online courses, small-group live workshops, and a comprehensive multi-week program. All programs are educational in nature and are not regulated financial advice.

Programs are primarily delivered to participants in Malaysia. Participation by individuals outside Malaysia is permitted but Flowry makes no representation about the suitability of content for non-Malaysian financial contexts.

Flowry reserves the right to modify, suspend, or discontinue any program or service with reasonable prior notice to enrolled participants.

4. Enrolment and Account Access

Enrolment in a Flowry program is confirmed upon receipt of payment and a written confirmation from Flowry. Where online access is provided, you are responsible for keeping your login credentials secure. You may not share access with others.

Flowry reserves the right to suspend or terminate access to a program if these Terms are breached.

5. User Responsibilities

When using our website or participating in our programs, you agree to:

• Provide accurate information when submitting enquiries or enrolling
• Use program content for personal household learning purposes only
• Treat facilitators and fellow participants respectfully in all group settings
• Not record, distribute, or resell any Flowry program content without written permission
• Not use our website or programs for any unlawful purpose

You agree not to attempt to disrupt, interfere with, or gain unauthorised access to any part of our website or program delivery systems.

6. Intellectual Property

All content provided through Flowry programs — including worksheets, course modules, templates, methodology documents, and written materials — is the intellectual property of Flowry and is protected under Malaysian copyright law.

Upon enrolment, you are granted a limited, non-exclusive, non-transferable licence to access and use the program content for your own personal household education purposes. This licence does not permit you to copy, reproduce, distribute, or create derivative works from the content without prior written consent from Flowry.

The Flowry brand name, logo, and River Map methodology are proprietary to Flowry.

7. Payment Terms

All program fees are quoted and payable in Malaysian Ringgit (RM). Current pricing is displayed on our website and in program information provided upon enquiry. Prices are inclusive of any applicable taxes unless stated otherwise.

Payment is required to confirm enrolment. Accepted payment methods will be confirmed at the time of enrolment. Full payment must be received before program access is provided unless a payment arrangement has been expressly agreed in writing.

7.1 Refund Policy

• Cancellations made more than 7 calendar days before a program start date are eligible for a full refund
• Cancellations within 7 calendar days of the program start date are not eligible for a refund, but a transfer to a future intake may be arranged at Flowry's discretion
• For self-paced courses, refunds are available within 7 days of enrolment if no course modules have been accessed
• Flowry reserves the right to cancel a program due to insufficient enrolment; in such cases, a full refund will be provided

8. Education Disclaimer

All Flowry programs are provided as general household cash flow education only. Nothing in our programs, materials, website, or communications constitutes regulated financial advice, investment advice, tax advice, or any other regulated financial service under Malaysian law.

Flowry facilitators are not licensed financial advisers. All content is intended to help participants understand general concepts around household cash flow management. Participants are solely responsible for all financial decisions they make, and we encourage consulting a qualified licensed financial planner for personal financial guidance.

Flowry does not make any representation that participation in a program will result in specific financial outcomes. Individual results will vary based on personal circumstances.

9. Limitation of Liability

To the fullest extent permitted by Malaysian law, Flowry's total liability to you for any claim arising out of or in connection with these Terms or use of our programs shall not exceed the total fees you paid for the specific program in question.

Flowry shall not be liable for indirect, incidental, special, or consequential losses, including loss of income, business, or financial opportunity, arising from your participation in or use of our programs or website.

10. Indemnification

You agree to indemnify and hold Flowry, its team members, and service providers harmless from any claims, liabilities, damages, and costs (including legal fees) arising from your breach of these Terms, your misuse of our programs or website, or your violation of any applicable law.

11. Termination

You may withdraw from a program at any time, subject to the refund policy in Section 7. Flowry may suspend or terminate your access to a program if you breach these Terms, without prejudice to any amounts already paid.

Sections 6, 8, 9, 10, and 12 of these Terms survive termination.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Malaysia. Any dispute shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Before initiating formal proceedings, both parties agree to attempt to resolve disputes informally by contacting us at [email protected]. We will endeavour to respond within 14 working days.

13. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Flowry regarding our programs and website.
• Severability: If any provision is found unenforceable, the remaining provisions shall continue in full force.
• Waiver: Failure to enforce any provision does not constitute a waiver of the right to enforce it in the future.
• Assignment: You may not assign your rights under these Terms without Flowry's prior written consent. Flowry may assign its rights without restriction.

14. Changes to These Terms

Flowry may update these Terms from time to time. Material changes will be communicated by updating the "Last Updated" date on this page and, where appropriate, by email to enrolled participants. Continued use of our website or programs after changes take effect constitutes acceptance of the revised Terms.