Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the services, courses, and website provided by Ridgepoint Learning ("we," "us," "our," or "Company"). By accessing our website, enrolling in our courses, or using our services, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you must not use our services. Your continued use of our services following any changes to these Terms constitutes acceptance of those changes.

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are 18 years or older and have the legal capacity to enter into this agreement.

2. Definitions

For the purposes of these Terms:

• "Service" refers to the financial education courses, programmes, website, and related offerings provided by Ridgepoint Learning.
• "User," "you," or "your" refers to any individual who accesses or uses our services.
• "Course" refers to any educational programme, training, or learning content provided by Ridgepoint Learning.
• "Content" includes all materials, information, text, graphics, videos, and other resources provided through our services.
• "Agreement" refers to these Terms and Conditions together with our Privacy Policy and Cookie Policy.

3. Service Description

Ridgepoint Learning provides financial education courses designed for mid-career professionals in Singapore. Our services include online learning programmes, course materials, instructor support, and related educational resources.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We may also impose limits on certain features or restrict access to parts or all of our services.

Course schedules, content, and availability are subject to change. We will make reasonable efforts to notify enrolled participants of significant changes that may affect their course experience.

4. Course Enrolment and Access

4.1 Registration

To enroll in our courses, you must provide accurate and complete information during registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4.2 Course Access

Upon successful enrolment and payment, you will receive access to course materials for the duration specified in the course description. Access typically remains available throughout the course period and may extend for a limited time afterward for review purposes.

4.3 Prerequisites

Some courses may have prerequisites or recommended prior knowledge. You are responsible for ensuring you meet any stated requirements before enrolling. We cannot guarantee course outcomes if prerequisites are not met.

4.4 Account Security

You must notify us immediately of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to maintain account security.

5. Payment Terms

5.1 Fees and Pricing

Course fees are stated in Singapore Dollars (SGD) and must be paid in full before course access is granted unless otherwise agreed in writing. All prices are subject to change, but changes will not affect courses already purchased.

5.2 Payment Methods

We accept payment through methods specified during enrolment. By providing payment information, you represent that you are authorized to use the payment method and authorize us to charge the applicable fees.

5.3 Refund Policy

Refunds may be available within 7 days of course enrolment if you have not accessed more than 20% of the course materials. After this period, or if you have accessed more than 20% of the content, fees are non-refundable.

To request a refund, contact us at [email protected]. Refunds will be processed within 14 business days of approval using the original payment method.

5.4 Taxes

All fees are inclusive of applicable Goods and Services Tax (GST) as required by Singapore law. Tax rates may change, and fees will be adjusted accordingly.

6. User Responsibilities and Conduct

6.1 Acceptable Use

When using our services, you agree to:

• Provide accurate and truthful information during registration and enrolment
• Use course materials solely for your personal educational purposes
• Respect the intellectual property rights of Ridgepoint Learning and others
• Conduct yourself professionally and respectfully in all interactions
• Comply with all applicable laws and regulations

6.2 Prohibited Activities

You must not:

• Share, distribute, or resell course materials or access credentials
• Copy, reproduce, or create derivative works from our content without permission
• Use our services for any unlawful or fraudulent purpose
• Interfere with or disrupt the integrity or performance of our services
• Attempt to gain unauthorized access to our systems or networks
• Harass, abuse, or harm other users or our staff
• Impersonate any person or entity or misrepresent your affiliation

6.3 Consequences of Violation

Violation of these Terms may result in immediate termination of your access to our services without refund. We reserve the right to pursue legal action for serious violations.

7. Intellectual Property Rights

7.1 Our Content

All content provided through our services, including course materials, text, graphics, logos, videos, and software, is owned by or licensed to Ridgepoint Learning and is protected by Singapore and international copyright, trademark, and other intellectual property laws.

7.2 Limited License

Upon enrolment, we grant you a limited, non-exclusive, non-transferable license to access and use course materials solely for your personal, non-commercial educational purposes. This license does not include the right to copy, modify, distribute, sell, or create derivative works from our content.

7.3 Restrictions

You may not download course materials except where explicitly permitted for offline viewing. You may not remove any copyright, trademark, or other proprietary notices from our content.

7.4 Feedback

If you provide feedback, suggestions, or ideas about our services, you grant us the right to use such feedback without compensation or attribution.

8. Educational Disclaimers

8.1 Educational Purpose

Our courses are designed for educational purposes only. We provide general financial education and do not offer personalized financial advice, investment recommendations, or professional financial planning services.

8.2 No Guarantee of Results

While we strive to provide high-quality education, we make no guarantees regarding specific outcomes, financial results, or success from participating in our courses. Individual results depend on numerous factors beyond our control.

8.3 Professional Advice

Our courses do not substitute for professional financial, legal, tax, or investment advice. We recommend consulting qualified professionals regarding your specific financial situation before making important financial decisions.

8.4 Information Currency

While we make reasonable efforts to keep course content current and accurate, financial regulations, tax laws, and market conditions change. You are responsible for verifying information and ensuring its applicability to your situation.

9. Disclaimers and Limitation of Liability

9.1 Service Availability

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, timely, secure, or error-free.

9.2 Limitation of Liability

To the maximum extent permitted by Singapore law, Ridgepoint Learning shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses arising from:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers or your personal information
• Any interruption or cessation of transmission to or from our services
• Any bugs, viruses, or other harmful components transmitted through our services
• Any errors or omissions in content
• Financial decisions made based on course content

9.3 Liability Cap

Our total liability for any claim arising from these Terms or your use of our services shall not exceed the amount you paid for the specific course giving rise to the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Ridgepoint Learning, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:

• Your access to or use of our services
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Any financial decisions or actions you take based on course content

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting us. Termination does not entitle you to a refund except as specified in our refund policy.

11.2 Termination by Us

We may suspend or terminate your access to our services immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.

11.3 Effect of Termination

Upon termination, your right to access and use our services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, and limitations of liability.

12. Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.

12.2 Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts of Singapore for the resolution of any disputes arising out of or relating to these Terms or your use of our services.

12.3 Informal Resolution

Before initiating formal legal proceedings, we encourage you to contact us at [email protected] to attempt to resolve the dispute informally.

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Ridgepoint Learning regarding our services and supersede all prior agreements.

13.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect.

13.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

13.4 Assignment

You may not assign or transfer these Terms or your rights and obligations under them without our prior written consent. We may assign these Terms without restriction.

13.5 Force Majeure

We shall not be liable for any failure to perform our obligations under these Terms due to circumstances beyond our reasonable control, including acts of God, war, pandemic, governmental actions, or technical failures.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date and, where appropriate, by sending you notice via email.

Your continued use of our services after changes become effective constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must stop using our services.

15. Contact Information

If you have questions about these Terms, please contact us: