Terms & Conditions

Throughout these Terms, the following definitions apply:

• "We / Us / Our" refers to Lestari Cendekia, operating from 119 Jalan Mont Kiara, 50480 Kuala Lumpur.
• "You / User" refers to any person accessing this website or enquiring about our programmes.
• "Participant" refers to a person enrolled in one of our programmes.
• "Service" refers to this website and all financial education programmes offered by Lestari Cendekia.
• "Content" refers to all materials, session notes, written summaries, and resources provided as part of our programmes.
• "Agreement" means these Terms and Conditions in their current form.

By accessing this website, submitting a contact form, or enrolling in a programme, you confirm that you have read and agree to be bound by these Terms.

Our programmes are intended for adults aged 18 years and above who have the legal capacity to enter into an agreement. If you are acting on behalf of another person, you confirm that you have their authority to do so.

Lestari Cendekia offers financial education programmes conducted in small group and individual formats. These include:

• The Marble Counter: A First Inventory — a four-week introductory group course
• Reading Statements Plainly — a six-week course on personal financial documents
• Long-Horizon Retirement Engagement — a six-month mentor-led programme

Programme schedules, session formats, and facilitators may be adjusted where reasonably necessary. We will communicate any significant changes to enrolled participants in advance.

Programmes are currently conducted in Kuala Lumpur and are available to residents of Malaysia.

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

• Provide accurate and truthful information in all communications and forms
• Treat facilitators and fellow participants with courtesy and respect
• Keep any information shared by other participants in group sessions in confidence
• Not reproduce, distribute, or commercially exploit programme materials without written permission
• Not use this website for any unlawful purpose

All programme materials, written summaries, course outlines, and website content are the intellectual property of Lestari Cendekia unless otherwise stated.

Participants are granted a limited, personal, non-transferable licence to use course materials for their own financial education purposes. This licence does not extend to sharing materials with others, reproducing them for commercial use, or adapting them for distribution.

Programme fees are stated in Malaysian Ringgit (RM) and are inclusive of any applicable taxes unless otherwise stated. Current fees:

• The Marble Counter: A First Inventory — RM 570
• Reading Statements Plainly — RM 1,640
• Long-Horizon Retirement Engagement — RM 2,820

Payment is due upon confirmation of enrolment. We accept bank transfer and such other methods as notified at the time of enrolment. Your place is confirmed only upon receipt of full payment.

Enrolment in a programme does not constitute professional financial advice. All content is educational in nature and is intended to support informed personal decision-making.

Participants are expected to attend sessions as scheduled. We do not guarantee that missed sessions can be accommodated through rescheduling, though we will make reasonable efforts where circumstances permit.

A written summary is provided after each session for group courses, and a closing written summary is provided upon completion of the Long-Horizon Retirement Engagement programme. These materials are provided for the participant's personal use only.

No certificate of completion is issued by Lestari Cendekia at this time.

This website and our programmes are provided on an "as is" basis. While we take care to ensure the accuracy of information presented, we do not warrant that all content is complete, current, or free from error.

Lestari Cendekia is an educational provider. Nothing we deliver — whether in sessions, written summaries, or on this website — constitutes licensed financial advice, investment advice, or a recommendation to take any specific financial action. Participants should consult a licensed financial adviser before making significant financial decisions.

To the fullest extent permitted under Malaysian law, Lestari Cendekia shall not be liable for any indirect, incidental, or consequential loss arising from your use of this website or participation in our programmes.

Our total liability to you for any direct loss shall not exceed the amount paid by you for the programme in question.

Nothing in these Terms limits our liability for death, personal injury caused by negligence, or any liability that cannot be lawfully excluded.

You agree to indemnify Lestari Cendekia, its facilitators, and staff against any claims, losses, or expenses arising from your breach of these Terms, your conduct during a programme, or any misuse of materials provided.

We reserve the right to remove a participant from a programme without refund if their conduct is disruptive, disrespectful towards others, or materially in breach of these Terms.

A participant may withdraw from a programme in accordance with the cancellation terms set out in Section 6. Upon withdrawal, access to any remaining sessions ceases.

Provisions regarding intellectual property, limitation of liability, and dispute resolution survive termination of this Agreement.

These Terms are governed by the laws of Malaysia. Any dispute arising from these Terms or from participation in our programmes shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Before initiating any formal proceeding, we encourage both parties to attempt resolution informally. Please write to [email protected] and we will respond within 14 days to work towards an equitable resolution.

Entire agreement. These Terms constitute the entire agreement between you and Lestari Cendekia regarding your use of this website and our programmes.

Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full effect.

Waiver. Our failure to enforce any provision does not constitute a waiver of our right to enforce it in the future.

Assignment. You may not assign your rights under these Terms without our prior written consent.

We may update these Terms from time to time. When we do, the revised version will be published on this page with an updated effective date. For significant changes, we will notify enrolled participants by email where we hold their contact details.

Your continued use of this website after changes are posted constitutes your acceptance of the revised Terms.

For questions about these Terms, please contact us: