Terms & Conditions

2. Acceptance of terms

By submitting an enquiry through our website, by enrolling in a course, or by corresponding with us for the purpose of enrolment, you agree to be bound by these Terms and Conditions.

Our courses are intended for adults aged 18 and over. By enrolling, you confirm that you are at least 18 years of age and have the legal capacity to enter into a contract under Malaysian law.

3. Description of courses

We offer three educational programmes:

• Foundations of Personal Finance — a six-week evening course covering household budgets, Malaysian savings and investment accounts, risk and time horizon, and fee disclosures. Fee: RM 980.
• Reading Company Reports — an eight-week evening course in reading published annual reports of companies listed on Bursa Malaysia. Fee: RM 1,840.
• Tutored Reading Companion — a continuing fortnightly tutored arrangement running in twelve-week terms. Fee: RM 3,640 per term.

Courses are conducted at our premises in Kuala Lumpur. We reserve the right to make minor adjustments to course content, schedule, or format where necessary. We will notify enrolled students of any material changes promptly.

4. Enrolment and payment

Enrolment is confirmed upon receipt of full payment. Payments are accepted by bank transfer or such other methods as we specify at the time of enrolment. All fees are stated in Malaysian Ringgit (RM) and are inclusive of any applicable tax.

Refund policy

• Withdrawal more than 14 days before the course start date: full refund less a RM 50 administrative charge.
• Withdrawal 7 to 14 days before the course start date: 50% refund.
• Withdrawal fewer than 7 days before the course start date: no refund.
• For the Tutored Reading Companion, withdrawal before the start of a term will be refunded as above. Once a term has begun, fees for completed fortnightly sessions are non-refundable.

If we cancel a course, you will receive a full refund of fees paid. We are not liable for any travel, accommodation, or other costs you may have incurred.

5. Student responsibilities

• You are responsible for attending sessions and completing assigned exercises.
• You agree to treat course materials and instructor commentary with reasonable care and not to distribute them to third parties without our written permission.
• You agree to conduct yourself respectfully in sessions and in all correspondence with us and with other students.
• You acknowledge that the courses teach reading and interpretation skills and do not constitute financial, investment, or legal advice.

6. Intellectual property

All course materials, exercises, commentary, and website content produced by Buacouns Studies are protected by copyright. You are granted a personal, non-transferable licence to use course materials for your own study only.

Written work submitted by you during a course remains your intellectual property. By submitting it, you grant us the right to use it for the purpose of providing feedback and improving our teaching materials, on an anonymised basis.

7. Disclaimers

Our courses are educational in nature. Nothing taught in any course, or communicated by our instructors, constitutes financial, investment, tax, or legal advice. We do not make representations about the performance of any financial product or the outcome of any financial decision.

The website and course materials are provided in good faith. We do not warrant that all information is complete, accurate, or up to date in every particular, though we take reasonable steps to ensure quality and currency.

8. Limitation of liability

To the extent permitted by Malaysian law, our liability to you in connection with any course or use of our website is limited to the amount of fees you have paid to us.

We are not liable for any indirect, consequential, or special loss arising from your use of our courses or website, including any financial decisions made as a result of attending a course.

9. Termination

We may terminate your enrolment in a course if you breach these terms or if your conduct causes disruption to other students or to our operations. In such circumstances, refunds will be considered on their merits.

The Tutored Reading Companion may be ended by either party at the conclusion of a twelve-week term by giving reasonable written notice.

10. Governing law and disputes

These Terms and Conditions are governed by the laws of Malaysia. Any dispute arising from these terms or from your enrolment in a course will first be subject to an informal resolution process: you should write to us at [email protected] and we will endeavour to resolve the matter within 21 days.

If informal resolution is not achieved, disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia.

11. General provisions

• Entire agreement: These terms, together with your enrolment confirmation, constitute the entire agreement between us regarding your course enrolment.
• Severability: If any provision of these terms is found unenforceable, the remaining provisions continue in full force.
• No waiver: Failure to enforce a provision does not constitute a waiver of the right to enforce it in future.
• Assignment: You may not assign your rights under these terms to any other person.
• Notices: Notices to us should be sent to [email protected]. We will communicate with you at the email address you provided on enrolment.

12. Changes to these terms

We may revise these terms from time to time. The current version will always be available on our website. For enrolled students, material changes will be communicated by email. Your continued enrolment following notification of a change constitutes acceptance of the revised terms.

13. Contact