Last Updated: December 2025
Effective Date: December 2025
These Terms and Conditions govern your participation in educational programmes and use of services provided by Beacon. By enrolling in our programmes or using our services, you agree to these terms.
2.1 Eligibility: Participants must be at least 18 years of age. For participants under 18, parental or guardian consent is required.
2.2 Enrollment: By enrolling in a programme, you confirm that the information provided is accurate and complete. You agree to notify us promptly of any changes to your contact information.
2.3 Educational Purpose: Our programmes are designed for educational purposes only. Content provided does not constitute financial advice, investment recommendations, or professional guidance on specific financial decisions.
2.4 Personal Responsibility: You acknowledge that any financial decisions you make are your own responsibility. We encourage consulting with licensed financial professionals for specific advice tailored to your circumstances.
You agree not to:
4.1 Ownership: All programme materials, content, presentations, and resources are the intellectual property of Beacon and protected by copyright laws.
4.2 License Grant: We grant you a limited, non-exclusive, non-transferable license to access and use programme materials solely for your personal educational purposes.
4.3 Restrictions: You may not modify, reproduce, distribute, publish, or create derivative works from our content without written permission.
4.4 Participant Content: By sharing questions, feedback, or other content during programmes, you grant us a non-exclusive right to use such content for educational improvement purposes.
5.1 Currency: All fees are stated in Singapore Dollars (SGD).
5.2 Payment Timing: Full programme fees are due upon enrollment unless alternative arrangements have been agreed in writing.
5.3 Accepted Methods: We accept bank transfers, credit/debit cards, and other payment methods as specified during enrollment.
5.4 Price Changes: Programme fees are subject to change. Changes apply to future enrollments, not existing participants.
5.5 Taxes: Fees include applicable GST. You are responsible for any other taxes that may apply.
6.1 Cancellation Before Start: If you cancel enrollment at least 14 days before programme commencement, you will receive a full refund minus an administrative fee of SGD 50.
6.2 Cancellation After Start: Once a programme has commenced, refunds are provided on a pro-rata basis for remaining sessions, minus the administrative fee, if requested within the first two sessions.
6.3 No Refund After Third Session: No refunds are provided after attending three or more sessions.
6.4 Programme Cancellation by Us: If we cancel a programme, you will receive a full refund or the option to transfer to the next available session.
6.5 Processing Time: Refunds are processed within 14 business days using the original payment method.
7.1 Educational Nature: Our programmes provide educational content and do not constitute professional financial advice. We make no representations about specific outcomes or financial results.
7.2 No Guarantees: While we strive for high-quality education, we do not guarantee specific learning outcomes or that content meets all individual needs.
7.3 As-Is Provision: Services are provided "as is" without warranties of any kind, express or implied.
7.4 Limitation of Liability: To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, or special damages arising from your use of our services.
7.5 Maximum Liability: Our total liability shall not exceed the fees you paid for the specific programme in question.
7.6 Force Majeure: We are not liable for delays or failures caused by circumstances beyond our reasonable control.
8.1 By You: You may terminate your participation subject to our refund policy.
8.2 By Us: We reserve the right to terminate your participation if you violate these terms or engage in disruptive behavior. No refund will be provided in such cases.
8.3 Effect of Termination: Upon termination, your access to programme materials and resources will cease. Provisions regarding confidentiality and intellectual property survive termination.
9.1 Informal Resolution: We encourage you to contact us first to resolve any concerns informally.
9.2 Mediation: If informal resolution fails, disputes may be submitted to mediation in Singapore.
9.3 Governing Law: These terms are governed by the laws of Singapore.
9.4 Jurisdiction: Any legal proceedings shall be conducted in the courts of Singapore.
10.1 Entire Agreement: These terms constitute the entire agreement between you and Beacon regarding services.
10.2 Severability: If any provision is found unenforceable, the remaining provisions continue in full effect.
10.3 No Waiver: Our failure to enforce any right does not constitute a waiver of that right.
10.4 Assignment: You may not assign your rights under these terms. We may assign our rights to a successor.
10.5 Amendments: We may update these terms periodically. Significant changes will be communicated via email or website notice.
10.6 Notices: Official notices will be sent to your registered email address.
For questions about these Terms and Conditions, please contact:
Legal Department
Beacon
6 Battery Road, #11-01
Singapore 049909
Email: [email protected]
Phone: +65 6247 9153
By enrolling in our programmes or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.