Terms & Conditions

1. Definitions

In these Terms and Conditions, the following words and phrases carry the meanings set out below unless the context requires otherwise:

• "Glassmoor" / "We" / "Us" / "Our" — refers to Glassmoor, a home loan literacy education provider registered and operating at 19 Jalan Imbi, 55100 Kuala Lumpur, Malaysia.
• "Website" — refers to the Glassmoor website accessible at glassmoor.pro and all associated subpages.
• "User" / "You" / "Your" — refers to any person who accesses the Website or registers for a Programme.
• "Programme" — refers to any of the educational workshops, evening sessions, or cohort programmes offered by Glassmoor, as described on the Website.
• "Content" — refers to all materials, text, printed resources, presentations, worksheets, and supporting documents produced by Glassmoor and made available to Programme participants.
• "Agreement" — refers to these Terms and Conditions in their entirety, together with any applicable enrolment confirmation.
• "RM" — refers to Malaysian Ringgit, the currency in which all fees are denominated.

2. Acceptance of Terms

By accessing the Website or submitting an enquiry or enrolment for any Programme, you confirm that:

• You have read, understood, and agree to be bound by these Terms and Conditions.
• You are at least 18 years of age, or are acting under the supervision of a parent or legal guardian who has agreed to these terms on your behalf.
• You have the legal capacity to enter into a binding agreement.
• Where enrolment is for The Considered Homeowner Cohort, you confirm you are aged 40 or above, as that Programme is designed for adults in that age group.

If you do not agree with any part of these terms, you should not use the Website or enrol in a Programme.

3. Service Description

Glassmoor is an educational organisation providing literacy-focused programmes on home loan documentation and related concepts. Our Programmes are:

All Programmes are delivered as general adult education. None constitutes financial advice, legal advice, or any form of regulated professional service. Participants should consult licensed bankers, solicitors, or other qualified practitioners for advice specific to their individual circumstances.

4. Enrolment & Access

Enrolment in a Programme is confirmed upon receipt of full payment and a written confirmation from Glassmoor via email. Until such confirmation is received, no enrolment is binding on either party.

Glassmoor reserves the right to limit Programme cohort sizes. Places are allocated on a first-confirmed basis. Submitting an enquiry or a contact form does not by itself constitute a reservation.

Participants are responsible for ensuring they meet any Programme-specific prerequisites (such as the age requirement for The Considered Homeowner Cohort) at the time of enrolment. Glassmoor may decline or cancel enrolments that do not meet stated requirements.

5. User Responsibilities

When using the Website or participating in a Programme, you agree to:

• Provide accurate, current, and complete information when submitting enquiries or enrolment requests.
• Treat facilitators, staff, and fellow participants with courtesy and respect during all sessions.
• Use Programme Content solely for your own personal learning purposes.
• Not reproduce, distribute, sell, or commercially exploit any Content received through a Programme.
• Not record sessions (audio or video) without prior written consent from Glassmoor.
• Not misrepresent the nature of Glassmoor's Programmes to third parties.

You must not use the Website for any unlawful purpose, to transmit harmful or disruptive content, or in any way that may damage Glassmoor's reputation or operations.

6. Intellectual Property

All Content, including but not limited to printed glossaries, workbooks, presentation materials, session frameworks, and website copy, remains the intellectual property of Glassmoor. No title or ownership is transferred to participants upon enrolment or completion of a Programme.

You are granted a limited, non-exclusive, non-transferable licence to use Programme Content for your personal, non-commercial learning purposes only. This licence does not permit sharing, reproducing, or distributing Content to others.

Glassmoor's name, logo, and branding are proprietary marks. Their use in any context outside of fair reference to Glassmoor requires prior written consent.

7. Payment Terms

All fees are denominated in Malaysian Ringgit (RM) and are payable in full prior to the commencement of the relevant Programme, unless a separate payment arrangement has been agreed in writing.

Accepted payment methods will be communicated to participants upon confirmation of enrolment. Glassmoor does not store payment card details.

Refund Policy

• Cancellations made more than 14 calendar days before the Programme start date are eligible for a full refund of fees paid, less any non-refundable administrative charge communicated at enrolment.
• Cancellations made 7 to 14 calendar days before the Programme start date are eligible for a 50% refund of fees paid.
• Cancellations made fewer than 7 calendar days before the start date are not eligible for a refund.
• If Glassmoor cancels or significantly reschedules a Programme, participants will be offered either a full refund or a transfer to an alternative date.
• Non-attendance without prior cancellation notice does not entitle the participant to a refund.

Refund requests should be submitted in writing to [email protected].

8. Educational Programme Terms

Glassmoor Programmes are designed and delivered as general adult education on home loan literacy. Participation in a Programme does not confer any professional qualification, accreditation, regulated certification, or licensed status of any kind.

Completion certificates or letters of attendance may be issued at Glassmoor's discretion as a record of participation in an educational programme. These documents are not professional credentials and should not be represented as such.

Participants are expected to engage constructively with programme materials and facilitated sessions. Glassmoor reserves the right to remove a participant from a Programme, without refund, if their conduct disrupts the learning environment or violates these Terms.

Session content is designed for general educational purposes. It may not reflect the specific terms of any individual's existing or prospective loan products. Participants are encouraged to seek qualified professional guidance for their individual circumstances.

9. Disclaimers

The Website and all Content are provided on an "as is" and "as available" basis. Glassmoor makes no representations or warranties, express or implied, regarding the accuracy, completeness, or suitability of the Website or Content for any particular purpose.

Nothing on the Website or within any Programme constitutes financial advice, legal advice, or any other form of regulated professional advice. Glassmoor is not a licensed financial advisor, solicitor, or banking institution. Participants should not rely on Programme Content as a substitute for advice from a suitably qualified and licensed professional.

Glassmoor does not endorse any specific lender, loan product, financial institution, or property transaction. References to loan structures or terminology are made for illustrative and educational purposes only.

10. Limitation of Liability

To the fullest extent permitted by applicable Malaysian law, Glassmoor shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of the Website or participation in a Programme, including but not limited to financial decisions made on the basis of Programme Content.

In any event, Glassmoor's total aggregate liability to you for any claim arising under or in connection with these Terms shall not exceed the total fees paid by you for the relevant Programme.

Glassmoor shall not be liable for failures arising from events beyond its reasonable control, including but not limited to acts of nature, government actions, telecommunications failures, or public health emergencies.

11. Indemnification

You agree to indemnify, defend, and hold harmless Glassmoor, its directors, facilitators, staff, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal costs) arising out of or related to your breach of these Terms, your misuse of the Website or Programme Content, or your violation of any applicable law or third-party right.

12. Termination

Glassmoor may suspend or terminate your access to the Website, or remove you from a Programme, at any time and without prior notice if we reasonably believe you have breached these Terms or engaged in conduct harmful to other participants or to Glassmoor.

You may withdraw from a Programme at any time subject to the refund policy set out in Section 7.

Provisions of these Terms that by their nature should survive termination — including intellectual property rights, disclaimers, limitations of liability, and indemnification — shall continue to apply after termination.

13. Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Malaysia. Any dispute arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Before commencing formal proceedings, the parties agree to attempt to resolve any dispute informally. A written notice of the dispute should be directed to [email protected]. Glassmoor will respond within 14 working days and both parties will make reasonable efforts to reach a resolution within 30 days of the initial notice.

Where informal resolution is not achieved, either party may refer the matter to mediation through the Malaysian Mediation Centre or proceed through the courts as appropriate.

14. General Provisions

• Entire Agreement. These Terms, together with any enrolment confirmation, constitute the entire agreement between you and Glassmoor concerning the subject matter herein and supersede all prior discussions or representations.
• Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver. Glassmoor's failure to enforce any right or provision under these Terms shall not constitute a waiver of that right or provision in the future.
• Assignment. You may not assign or transfer your rights or obligations under these Terms without Glassmoor's prior written consent. Glassmoor may assign its rights and obligations without restriction.
• Notices. Notices to Glassmoor should be sent to [email protected] or by post to 19 Jalan Imbi, 55100 Kuala Lumpur, Malaysia. Glassmoor will communicate with you using the email address provided at enrolment.

15. Changes to Terms

Glassmoor may update these Terms and Conditions from time to time. When changes are made, the revised Terms will be published on this page with an updated "Last Updated" date. Where changes are material, we will endeavour to provide reasonable notice by email to participants with active enrolments.

Your continued use of the Website or participation in a Programme after the effective date of any changes constitutes your acceptance of the revised Terms.

16. Contact Information

For questions, concerns, or notices relating to these Terms and Conditions, please contact us: