Terms & Conditions

1. About Pollensa

Who we are

Pollensa is an independent reading programme provider operating in Singapore. We design and facilitate reading-led educational workshops on topics related to household financial vocabulary and retirement-stage planning considerations. We are not a financial advisory firm, and nothing in any programme, material, or communication constitutes financial advice, regulated advice, or a recommendation to take any particular course of action.

Our principal office is located at 71 Robinson Road, #14-01, Singapore 068895. You may contact us by telephone at +65 6573 2840 or by email at [email protected].

2. Nature of Programmes

Educational scope and limitations

All Pollensa programmes are educational in nature. They are designed to help participants understand vocabulary, concepts, and publicly available information relevant to household financial decision-making. Programme content is reading-led and discussion-based.

Pollensa does not hold a licence under the Financial Advisers Act (Cap. 110) or the Securities and Futures Act (Cap. 289) of Singapore. No programme session, written material, facilitator comment, peer discussion, or workbook exercise constitutes:

• Financial advice or regulated financial advice of any kind
• An endorsement of any financial product, scheme, or institution
• A recommendation to buy, sell, or hold any financial instrument
• Tax advice, legal advice, or estate planning advice

Participants are encouraged to consult appropriately licensed professionals for advice specific to their personal circumstances.

3. Eligibility

Programme eligibility requirements

Pollensa programmes are designed for adults aged 40 and above resident in or visiting Singapore. Specific age ranges apply to individual programmes as follows:

Enrolment is subject to cohort availability. Pollensa reserves the right to decline an enrolment where eligibility requirements are not met.

4. Enrolment and Confirmation

How enrolment works

Enrolment is initiated by completing the enquiry form on our website or by contacting us directly by telephone or email. Submission of an enquiry does not constitute a confirmed enrolment. A place in a cohort is confirmed only when:

• You have received written confirmation of enrolment from Pollensa
• Full programme fees have been received by Pollensa

Pollensa will acknowledge enquiries within two business days. If a requested cohort is full, we will advise you of the next available date.

5. Fees and Payment

Programme fees

Programme fees are as follows, inclusive of all materials stated in the programme description:

All fees are quoted in Singapore Dollars and are inclusive of applicable Goods and Services Tax (GST) where relevant. Payment is due in full prior to the commencement of the programme. We accept payment by bank transfer and card through our designated payment portal. Fees may be revised for future cohorts; any revision will be communicated before enrolment confirmation.

6. Cancellation and Refund Policy

Withdrawals and fee refunds

We understand that circumstances change. Our cancellation policy is as follows:

• More than 14 days before programme start: Full refund of fees paid, less a S$25 administrative processing fee.
• 7 to 14 days before programme start: 50% refund of fees paid.
• Less than 7 days before programme start: No refund. Participants may transfer their place to another individual, subject to eligibility requirements and written notice to Pollensa.
• No-show or non-attendance: No refund.

Cancellations must be submitted in writing by email to [email protected]. The date of receipt of the written cancellation is used to determine applicable refund entitlement.

If Pollensa cancels or postpones a programme due to circumstances within its control, enrolled participants will receive either a full refund or a transfer to the next available cohort, at the participant's preference. If a programme is postponed due to circumstances outside Pollensa's reasonable control (see Clause 12), Pollensa will offer a cohort transfer or, at its discretion, a partial refund.

7. Participant Responsibilities

What we ask of participants

To support the quality of each cohort's reading experience, participants agree to:

• Attend sessions punctually and for the full scheduled duration where possible
• Complete assigned readings before each session
• Engage with peers in a respectful manner during group discussions
• Refrain from recording sessions, distributing programme materials, or reproducing workbook content without prior written consent from Pollensa
• Inform Pollensa in advance if they are unable to attend a session

Pollensa reserves the right to withdraw a participant from a programme if their conduct materially disrupts other participants. In such cases, no fee refund will be issued.

8. Intellectual Property

Ownership of programme materials

All reading materials, workbooks, glossaries, reflection cards, weekly summaries, and other programme resources produced by Pollensa are the intellectual property of Pollensa. Participants are licensed to use these materials for their own personal educational purposes only.

Materials may not be copied, reproduced, distributed, published, or used for any commercial purpose without the prior written consent of Pollensa. This restriction applies to physical and digital copies alike.

9. Photographs and Programme Records

Photography and recording

Pollensa does not photograph, video-record, or audio-record sessions without the prior written consent of all participants. Where photographs are taken for legitimate programme records with consent, they will be handled in accordance with our Privacy Policy.

Participants are asked not to photograph, record, or broadcast other participants or facilitators during sessions without the express consent of those individuals.

10. Limitation of Liability

Our liability to you

Pollensa's programmes are educational in nature. Pollensa does not accept liability for any financial decisions made by participants following, during, or as a result of attending any programme. Participants are solely responsible for any actions they take in relation to their personal financial circumstances.

To the extent permitted by Singapore law, Pollensa's total liability to any participant in connection with a programme shall not exceed the fees paid by that participant for the programme in question.

Nothing in these Terms and Conditions limits or excludes Pollensa's liability for death or personal injury arising from its negligence, fraud, or any other liability that cannot be excluded by law.

11. Website Use

Conditions of website use

By using the Pollensa website, you agree not to:

• Attempt to gain unauthorised access to any part of the site or its underlying systems
• Use the site for any unlawful purpose
• Submit false, misleading, or fraudulent information through any form on the site
• Introduce any software, code, or material designed to disrupt or damage the website's operation

The website is provided on an "as available" basis. Pollensa does not warrant that the website will be uninterrupted or error-free, and we are not responsible for any loss arising from your reliance on information published on it.

12. Force Majeure

Circumstances beyond our control

Pollensa will not be in breach of these Terms or liable for any delay or failure to deliver a programme where that failure arises from circumstances beyond our reasonable control, including but not limited to public health directions, government orders, natural disasters, or other unforeseen events. In such circumstances, Pollensa will make reasonable efforts to reschedule the programme and communicate with affected participants promptly.

13. Changes to Terms

Updates to these Terms and Conditions

Pollensa may update these Terms and Conditions from time to time. The current version will always be available on this page with the effective date clearly noted. Where changes are material, we will notify enrolled participants by email. Your continued enrolment or use of the website after the effective date of any revision constitutes acceptance of the updated terms.

14. Governing Law

Jurisdiction and applicable law

These Terms and Conditions are governed by and construed in accordance with the laws of Singapore. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the Singapore courts.

15. Contact

Reaching us with questions

If you have any questions about these Terms and Conditions before enrolling, please contact us: