Terms & Conditions

1. Acceptance of Terms

By accessing this website, registering for a course, or making a payment to Peranakan Purse, you enter into an agreement with us under these Terms and Conditions. These terms apply to all learners, visitors, and any person who uses materials associated with Peranakan Purse.

If you are enrolling on behalf of another person, you confirm that you have the authority to do so and that the person concerned is aware of and agrees to these terms.

2. About Peranakan Purse

Peranakan Purse is a financial education service registered and operating in Singapore. Our registered address is 84 Shenton Way, #05-11, Singapore 068812. We may be contacted by telephone at +65 6547 8293 or by email at [email protected].

Our courses are designed for educational purposes only. Peranakan Purse is not a financial advisory firm, a law firm, or a licensed financial adviser. Nothing in our course materials, website content, worksheets, or correspondence constitutes financial, legal, tax, or investment advice.

3. Courses and Enrolment

3.1 Course Descriptions

We make reasonable efforts to describe our courses accurately. Course durations, reading schedules, included materials, and supplementary resources are provided as a guide and may be adjusted where circumstances reasonably require. Any significant changes will be communicated to enrolled learners in advance.

3.2 Enrolment

Enrolment is confirmed upon receipt of full payment. A confirmation will be sent to the email address provided at registration. Please check your spam or junk folder if no confirmation arrives within one working day.

3.3 Personal Use

Enrolment is personal and non-transferable. Course access and materials are provided for the individual learner named at registration and may not be shared, assigned, or transferred to another person without prior written agreement from Peranakan Purse.

3.4 Eligibility

Our courses are designed for adults aged 18 and above. By enrolling, you confirm that you meet this requirement.

4. Payment and Fees

4.1 Pricing

All fees are listed in Singapore Dollars (SGD) and are inclusive of applicable taxes unless otherwise stated. Current course fees are displayed on our Courses page and at the point of enrolment. Prices may be revised from time to time; any revision will not affect enrolments already confirmed.

4.2 Payment Methods

We accept payment through the methods indicated at checkout. Payment is due in full at the time of enrolment unless a different arrangement has been expressly agreed in writing.

4.3 Non-Payment

If payment is not received or is subsequently reversed, we reserve the right to suspend or withdraw access to course materials until the matter is resolved.

5. Refunds and Cancellation

5.1 Standard Refund Window

If you wish to withdraw from a course, you may request a full refund within seven calendar days of your enrolment confirmation, provided that you have not accessed more than the first week's reading materials. Requests should be sent to [email protected] with your name and order reference.

5.2 After the Refund Window

After seven calendar days, or once more than the first week's materials have been accessed, refunds are not ordinarily available. If you are experiencing exceptional circumstances, we encourage you to write to us and we will consider each situation with care.

5.3 Cancellation by Peranakan Purse

We reserve the right to cancel or substantially change a course. In such cases, enrolled learners will be offered either a full refund or, where available, a transfer to a comparable course.

6. Access and Course Materials

6.1 Duration of Access

Unless otherwise specified, access to course readings and downloadable materials will be available for twelve months from the date of enrolment confirmation. We will endeavour to provide reasonable notice before any materials are retired or replaced.

6.2 Worksheets and Saved Data

Some course worksheets are designed to save data locally on your own device. Peranakan Purse does not have access to any data you record in these worksheets. You are responsible for maintaining any records you wish to keep beyond the browser session.

6.3 Technical Requirements

Access to course materials requires a device with a current web browser and an internet connection. Peranakan Purse is not liable for any inability to access materials arising from your device, browser, or connection.

7. Acceptable Use

In using our website and course materials, you agree that you will:

• use the materials for your own personal, non-commercial learning only;
• not copy, reproduce, distribute, or make available any part of the course materials to others without our prior written permission;
• not use automated tools, scrapers, or bots to access or extract content from our website;
• not attempt to circumvent any access controls or copy-protection measures;
• not represent our materials as your own or use them in any misleading way.

8. Intellectual Property

All course content, reading materials, worksheets, templates, guides, website text, design, and other materials made available by Peranakan Purse are and remain the intellectual property of Peranakan Purse or its licensors. Enrolment grants you a personal, non-exclusive, non-transferable licence to access and use those materials for your own learning during the access period described in Section 6.1.

No part of our materials may be reproduced, adapted, translated, shared publicly, or used in any commercial context without our express written consent.

9. Disclaimer

Our courses are provided for educational and reflective purposes. The information and frameworks they contain are intended to support your own thinking and to help you prepare questions for qualified professionals. They do not constitute financial advice, legal advice, tax guidance, or investment recommendations.

We encourage all learners to consult a licensed financial adviser, solicitor, or other qualified professional before making decisions involving significant sums of money, property, estate planning, or formal family agreements. Peranakan Purse cannot and does not accept responsibility for decisions made on the basis of information contained in our courses.

While we take care to ensure that information is current and accurate at the time of writing, Singapore legislation, CPF rules, stamp duty rates, and other regulatory matters are subject to change. We do not warrant that all information remains current after its publication date.

10. Limitation of Liability

To the fullest extent permitted by law, Peranakan Purse, its directors, employees, and contractors shall not be liable for:

• any loss or damage arising from your use of, or inability to use, course materials or this website;
• any financial, legal, or personal decisions made in reliance on course content;
• any indirect, consequential, or special loss of any kind.

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

11. Governing Law

These Terms and Conditions are governed by the laws of Singapore. Any dispute arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Singapore.

12. Changes to These Terms

We may revise these Terms and Conditions from time to time to reflect changes in our services, applicable law, or other reasonable needs. Any revised terms will be published on this page with an updated date. If a change is material, we will make reasonable efforts to notify enrolled learners. Continued use of our courses after a revision constitutes acceptance of the updated terms.

13. Contact

If you have questions about these Terms and Conditions or wish to raise a concern, please reach us at:

• Email: [email protected]
• Telephone: +65 6547 8293
• Post: Peranakan Purse, 84 Shenton Way, #05-11, Singapore 068812

We aim to respond to all written enquiries within three working days.

These terms were last reviewed and updated on 15 March 2025. Please check this page periodically for any revisions.