Terms & Conditions

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

• "Goldmeadow", "We", "Us", "Our" — refers to Goldmeadow, a continuing education provider registered in Malaysia, with principal place of business at 30, Jalan Tunku Abdul Rahman, 80000 Johor Bahru, Johor.
• "Programme" or "Session" — refers to any educational session, workshop, or multi-session programme offered by Goldmeadow, including the Welcome to Retirement Information Session, the Records & Paperwork Organisation Workshop, and the Retirement Transition Information Programme.
• "Participant" or "You" — refers to any individual who registers for or attends a Programme.
• "Website" — refers to the Goldmeadow website accessible at https://goldmea.blog.
• "Content" — refers to all materials, handouts, templates, checklists, and reference information provided during or in connection with a Programme.
• "Agreement" — refers to these Terms & Conditions together with any registration confirmation and applicable programme details.

By using our Website, submitting an enquiry form, or registering for a Programme, 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 register for a Programme. By registering, you confirm that you meet this age requirement and have the legal capacity to enter into this Agreement.

If you are registering on behalf of another person, you confirm that you have their authority to do so and that the individual concerned agrees to these Terms.

Goldmeadow provides general educational information and practical document organisation support in the context of retirement in Malaysia. Our Programmes are designed to help participants understand publicly available information about retirement frameworks and to organise their own personal records.

Nothing delivered in our Programmes constitutes financial advice, investment advice, legal advice, or any other form of professional regulated advice. We are not licensed financial advisers. Participants should seek independent professional advice from appropriately qualified and regulated professionals for decisions about their personal retirement finances.

Our Programmes are conducted in English at our premises in Johor Bahru, Johor. We primarily serve participants in Malaysia. Session availability is subject to scheduling and minimum participant numbers.

To register for a Programme, you must submit an enquiry or registration through our Website or by contacting us directly. A registration is confirmed only upon receipt of written confirmation from Goldmeadow and receipt of payment in full (or as otherwise agreed).

You are responsible for ensuring that the information you provide during registration is accurate and complete. We reserve the right to refuse enrolment at our discretion.

Where a session does not proceed due to insufficient registrations or other circumstances beyond our reasonable control, we will notify you and offer a full refund of any fees paid.

As a participant in our Programmes, you agree to:

• Treat facilitators and other participants with courtesy and respect
• Not record sessions (audio, video, or otherwise) without our prior written consent
• Not reproduce or distribute our Content materials without our prior written consent
• Use the educational information and materials provided for your own personal use only
• Not use our sessions, materials, or name for commercial purposes
• Arrive on time and attend the full programme where applicable

We reserve the right to remove any participant whose conduct is disruptive or inappropriate, without refund.

All Content created and provided by Goldmeadow — including handouts, templates, checklists, presentation materials, and website content — remains the intellectual property of Goldmeadow. You are granted a limited, non-exclusive, non-transferable licence to use programme materials for your own personal, non-commercial purposes.

You may not copy, reproduce, distribute, publish, or create derivative works from our Content without our prior written permission. Publicly available information from government sources cited within our materials remains the property of those sources.

All programme fees are stated in Malaysian Ringgit (RM) and are inclusive of all session materials as described. Current fees are:

• Welcome to Retirement Information Session — RM 600 per person
• Records & Paperwork Organisation Workshop — RM 2,150 per person
• Retirement Transition Information Programme — RM 4,400 per person

Payment is due in full prior to attending the first session unless otherwise agreed in writing. Accepted payment methods will be confirmed at the time of registration. Fees do not include transport or any costs you may incur in obtaining your own documents or materials from external parties.

Cancellation and Refunds

If you cancel your registration more than 7 calendar days before the scheduled session or programme start date, you will receive a full refund. If you cancel within 7 calendar days of the session, we regret that we are unable to offer a refund, although we will endeavour to reschedule your attendance where possible. If Goldmeadow cancels a session, a full refund will be issued.

Our Programmes and Website are provided for general educational and informational purposes only. While we take care to draw on accurate and current publicly available information, we make no representations or warranties as to the completeness, accuracy, or fitness for purpose of any information provided.

We are not responsible for any decision made by a participant based on information received during our Programmes. Participants are encouraged to verify all information with the relevant official bodies — such as the Employees Provident Fund (EPF) and relevant Malaysian government ministries — before taking any action.

Goldmeadow expressly disclaims any liability for outcomes arising from the use of information shared in our sessions. Our sessions do not replace the advice of a licensed financial planner, legal adviser, or other regulated professional.

To the fullest extent permitted by Malaysian law, Goldmeadow's total liability to you for any claim arising out of or in connection with your use of our Website or participation in a Programme shall not exceed the amount you paid to us for the Programme in question.

We shall not be liable for any indirect, consequential, or special loss or damage, including loss of income or anticipated savings, arising out of or in connection with these Terms, even if we have been advised of the possibility of such loss.

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural events, disruptions to public infrastructure, or public health emergencies.

We reserve the right to withdraw access to our Website or to exclude any participant from a Programme at any time if we reasonably believe that these Terms have been breached, or that continued access would be inappropriate or harmful to other participants or to our staff.

Provisions of these Terms that by their nature should survive termination — including Intellectual Property, Disclaimers, Limitation of Liability, and Dispute Resolution — shall continue to apply after any termination.

These Terms & Conditions are governed by and construed in accordance with the laws of Malaysia. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Johor Bahru, Malaysia.

Before initiating any formal proceedings, we encourage you to contact us directly at [email protected] to seek an informal resolution. We will endeavour to respond within 10 working days and to resolve any concern promptly and fairly.

Entire Agreement: These Terms, together with our Privacy Policy and any registration confirmation, constitute the entire agreement between you and Goldmeadow in relation to your use of our Website and participation in our Programmes.

Severability: If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity of the remaining provisions.

Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations at our discretion.

Notices: Any formal notice from you to us should be sent to [email protected] or by post to our registered address.

We reserve the right to update these Terms & Conditions from time to time. The date at the top of this page will be revised when changes are made. Where changes are material, we will take reasonable steps to bring them to your attention. Continued use of our Website or registration for a Programme after a change constitutes acceptance of the revised Terms.

For queries about these Terms & Conditions, please contact us:

Goldmeadow
30, Jalan Tunku Abdul Rahman, 80000 Johor Bahru, Johor, Malaysia

Email: [email protected]

Phone: +60 7 224 8093