Legal

Terms & Conditions

Last Updated: 15 April 2025  ·  Effective Date: 15 April 2025

1. Definitions

In these Terms and Conditions:

• "Lyndral", "we", "us", "our" refers to Lyndral, registered in Singapore, with offices at 9 Battery Road, #15-01, Straits Trading Building, Singapore 049910.
• "Programme" refers to any reading workshop, reading group, or reading circle offered by Lyndral.
• "Participant" or "you" refers to any individual who enrols in or attends a Programme, or who uses our website.
• "Website" refers to the website accessible at lyndral.info.
• "Agreement" refers to these Terms and Conditions together with our Privacy Policy.
• "Materials" refers to reading binders, workbooks, review cards, conversation cards, and any other printed or digital materials distributed as part of a Programme.

2. Acceptance of Terms

By submitting an enquiry through our website, enrolling in a Programme, or attending a session, you agree to be bound by these Terms and Conditions. If you do not agree, you should not use our website or enrol in a Programme.

You must be at least 18 years of age to enrol in any Lyndral Programme. By enrolling, you confirm that you meet this requirement and have the legal capacity to enter into this Agreement.

3. Programme Description and Scope

Lyndral offers reading-led, discussion-based educational programmes on topics related to household financial planning vocabulary and frameworks. All Programmes are educational in nature. Specifically:

• Programmes are not financial advisory services.
• No financial advice, product recommendations, or regulated activity is offered at any stage of any Programme.
• Facilitators guide discussion of pre-distributed reading material; they do not provide personal financial guidance.
• Participation in a Programme does not constitute or imply a regulated financial service relationship.

Programmes are offered primarily to adults residing in Singapore. We reserve the right to limit availability based on location or cohort capacity.

4. Enrolment and Cohort Places

Cohort places are limited by design. An enquiry submitted through our website does not constitute confirmed enrolment. Enrolment is confirmed upon receipt of the applicable programme fee. Lyndral reserves the right to decline enrolment at its discretion, including where a cohort is full.

Participants are responsible for ensuring the accuracy of the information provided at enrolment. Incorrect contact details may affect communications related to the Programme.

5. User Responsibilities

As a participant or website user, you agree to:

• Use our website and Programmes only for lawful purposes.
• Maintain the confidentiality of discussions within cohort sessions — not to share personal information disclosed by other participants outside the group.
• Engage with Materials for personal, non-commercial educational use only.
• Not record, reproduce, or distribute session content or Materials without our prior written consent.
• Behave respectfully toward other participants and facilitators at all times.

Lyndral reserves the right to remove a participant from a Programme for conduct that disrupts sessions or breaches these terms, without refund.

6. Intellectual Property

All Materials, reading content, session frameworks, workbook prompts, and website content are the intellectual property of Lyndral or used under licence. Your enrolment grants you a limited, personal, non-transferable licence to use Materials for your own educational purposes during and after the Programme. You may not reproduce, distribute, sell, or make available Materials to third parties without written consent.

7. Payment Terms

Programme fees are stated in Singapore Dollars (SGD). All fees must be paid in full prior to attending the first session of a Programme. Payment is accepted by the methods notified to you at enrolment confirmation.

Cancellation and Refund Policy:

• Cancellations made more than 14 days before the first session: full refund less an administrative fee of S$30.
• Cancellations made 7 to 14 days before the first session: 50% refund of the programme fee.
• Cancellations made fewer than 7 days before the first session: no refund. You may transfer your place to another person by notifying us in writing.
• If Lyndral cancels a Programme, a full refund of the programme fee will be issued within 14 business days.

8. Programme-Specific Terms

Each Programme has a stated number of sessions, cohort size, and materials package as described on our website and in the enrolment confirmation. Lyndral reserves the right to make minor adjustments to session schedules due to facilitator availability or circumstances outside our control. Where a session is cancelled or rescheduled, we will provide reasonable advance notice and offer an alternative session date where possible.

Attendance records are not maintained for certification purposes. Lyndral does not issue certificates of completion. Our Programmes are reading and discussion programmes, not accredited courses.

9. Disclaimers

To the fullest extent permitted by Singapore law:

• Our Programmes and website are provided on an "as is" basis without warranties of any kind.
• We do not represent that participation in a Programme will produce any specific outcome, financial or otherwise.
• Reading material provided is for educational discussion purposes only and does not constitute advice of any kind.
• We are not responsible for decisions made by participants based on material discussed in sessions.

10. Limitation of Liability

To the extent permitted by law, Lyndral's total liability to you in connection with any Programme or use of our website shall not exceed the programme fee paid by you for the relevant Programme.

We shall not be liable for any indirect, incidental, consequential, or special damages arising from your participation in a Programme or use of our website. Nothing in these Terms limits our liability for fraud, death, or personal injury caused by our negligence.

11. Indemnification

You agree to indemnify and hold harmless Lyndral, its officers, facilitators, and staff from any claims, losses, damages, or costs (including legal fees) arising from your breach of these Terms or your conduct in connection with a Programme or our website.

12. Termination

Lyndral may terminate your participation in a Programme with immediate effect where you breach these Terms, disrupt sessions, or behave in a manner detrimental to other participants. In such cases, no refund will be issued.

You may withdraw from a Programme at any time subject to the cancellation and refund terms in Section 7. Sections 6, 9, 10, 11, and 13 of these Terms survive termination.

13. Dispute Resolution and Governing Law

These Terms are governed by the laws of Singapore. In the event of a dispute, you agree to first attempt to resolve it informally by contacting us at [email protected]. If informal resolution is unsuccessful within 30 days, disputes shall be submitted to the exclusive jurisdiction of the courts of Singapore.

14. General Provisions

• Entire Agreement: These Terms and our Privacy Policy constitute the entire agreement between you and Lyndral regarding the subject matter herein.
• Severability: If any provision is found unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce any provision does not constitute a waiver of the right to enforce it in future.
• Assignment: You may not transfer your rights under these Terms without our written consent. We may assign our rights to a successor entity.

15. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised "Last Updated" date. For material changes, active programme participants will be notified by email. Continued participation in Programmes after the effective date of changes constitutes acceptance of the revised Terms.

16. Contact

For legal enquiries regarding these Terms:
Lyndral
9 Battery Road, #15-01, Straits Trading Building, Singapore 049910
Email: [email protected]
Phone: +65 6829 4350