Terms & Conditions

1. Definitions

For clarity throughout this document, the following terms carry the meanings noted below:

• "Agreement" — These Terms & Conditions together with any enrolment confirmation issued by Saltmarrow.
• "Content" — All printed materials, workbooks, facilitated session notes, templates, and digital resources provided during a Programme.
• "Programme" — Any workshop, session series, or cohort offered by Saltmarrow, including the Reading the Numbers Workshop, the Household Cost Tracking Programme, and The Long-Horizon Almanac Cohort.
• "Participant" / "You" — Any individual who enrols in or attends a Saltmarrow Programme.
• "We / Us / Our / Saltmarrow" — Saltmarrow, operating at 22 Jalan Padungan, 93100 Kuching, Sarawak, Malaysia.
• "Website" — The website accessible at saltmarrow.sbs.

2. Acceptance of Terms

By submitting an enrolment enquiry, paying a Programme fee, or attending any Saltmarrow session, you confirm that:

• You have read and understood this Agreement;
• You are at least 18 years of age, or are enrolling a minor under your lawful guardianship;
• You have the legal capacity to enter into a binding agreement under Malaysian law;
• You are not enrolling on behalf of any party in a manner that would breach any applicable regulation.

If you do not agree with any part of this Agreement, we ask that you contact us before enrolling so we can discuss your concerns.

3. Service Description

Saltmarrow offers in-person educational Programmes focused on inflation literacy and household cost-of-living concepts. Our current Programmes are:

Programmes are delivered primarily in Kuching, Sarawak. Availability is subject to scheduling. We reserve the right to adjust session formats with reasonable notice.

4. Enrolment

Enrolment is confirmed upon receipt of full payment and a written confirmation from Saltmarrow. The following applies:

• Enquiries submitted via our contact form do not constitute a binding enrolment until payment is received and confirmation is issued.
• Enrolment places are limited; submission of payment does not reserve a place until confirmation is provided.
• Participants are responsible for ensuring their own availability on the scheduled dates prior to enrolling.
• Saltmarrow may decline an enrolment at its discretion and will refund any payment made in full if a place cannot be offered.

5. User Responsibilities

As a Participant, you agree to:

• Attend sessions punctually and engage respectfully with facilitators and fellow participants;
• Use Content solely for your own personal learning and household reference — not for redistribution, resale, or commercial reproduction;
• Refrain from recording sessions (audio, video, or screen capture) without prior written consent from Saltmarrow;
• Not misrepresent Programme materials as professional financial, legal, or investment advice to third parties;
• Provide accurate information when enquiring or enrolling;
• Treat all shared participant contributions within cohort settings as confidential.

Saltmarrow reserves the right to ask a Participant to withdraw from a Programme if their conduct materially disrupts the learning environment for others.

6. Intellectual Property

All Content, including workbooks, printed readers, session frameworks, templates, and the Tidewater Almanac format, is the intellectual property of Saltmarrow or its licensors.

• Participants are granted a limited, personal, non-exclusive licence to use Content for their own household reference during and after the Programme.
• This licence does not extend to copying, adapting, distributing, or publishing Content in any form without prior written permission from Saltmarrow.
• Public data sources cited in Content (such as DOSM or Bank Negara Malaysia publications) remain the property of their respective publishers and are referenced under applicable public-access terms.

7. Payment Terms

8. Programme-Specific Terms

9. Disclaimers

Saltmarrow's Programmes are provided on an educational basis. Accordingly:

• We make no representations about economic outcomes that any Participant may experience following a Programme.
• Information presented reflects publicly available data and Saltmarrow's educational interpretation; it is not a substitute for professional advice.
• Data from third-party sources such as DOSM or Bank Negara Malaysia is cited in good faith but may change after the time of publication.
• Saltmarrow does not warrant that Content will be complete, error-free, or applicable to any individual's specific circumstances.

10. Limitation of Liability

To the fullest extent permitted under Malaysian law, Saltmarrow's total liability to any Participant arising out of or in connection with this Agreement shall not exceed the Programme fee paid by that Participant.

Saltmarrow shall not be liable for:

• Indirect, consequential, or incidental losses;
• Decisions a Participant makes based on information shared during a Programme;
• Events beyond our reasonable control (force majeure), including natural events, infrastructure failures, or public health directives.

11. Indemnification

You agree to indemnify and hold Saltmarrow, its facilitators, and its staff harmless from any claims, losses, or expenses (including reasonable legal fees) arising from your breach of this Agreement or from any act or omission on your part during a Programme.

12. Termination

13. Dispute Resolution

14. General Provisions

• Entire agreement: This Agreement, together with any enrolment confirmation, constitutes the entire agreement between you and Saltmarrow regarding your participation in a Programme.
• Severability: If any provision of this Agreement is found to be unenforceable, the remaining provisions continue in full effect.
• Waiver: Saltmarrow's failure to enforce any provision on one occasion does not waive its right to enforce that provision in future.
• Assignment: You may not assign your enrolment place or any rights under this Agreement without our written consent. Saltmarrow may assign its rights in connection with a business transfer.
• Notice: Written notices to Saltmarrow should be sent to [email protected] or delivered to our address at 22 Jalan Padungan, 93100 Kuching, Sarawak.

15. Changes to Terms

Saltmarrow may update these Terms & Conditions from time to time. When changes are made:

• The revised document will be posted on the Website with an updated "Last Updated" date;
• For Participants already enrolled in an active Programme, we will make reasonable efforts to notify them of material changes by email;
• Continued attendance at any Programme session after a change is published constitutes acceptance of the revised terms.

16. Contact Information

Questions regarding these terms are welcome. Please reach us through any of the following: