Terms & Conditions

1. Definitions

In these Terms, the following terms carry the meanings set out below:

• "Olverix", "we", "us", "our" — Olverix, a provider of financial education reading programmes operating from 78 Shenton Way, #26-02A, Singapore 079120
• "Website" — the website located at olverixs.site
• "Programme" — any financial education reading programme, workshop, or overview offered by Olverix
• "Participant" — an individual who has enquired about, registered for, or attended any Programme
• "Materials" — all printed and digital content distributed in connection with a Programme, including binders, workbooks, reference cards, and vocabulary booklets
• "Agreement" — these Terms & Conditions, together with our Privacy Policy and Cookie Policy

2. Acceptance of Terms

By accessing the Website or submitting an enquiry, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use of the Website.

Our Programmes are designed for adults aged 40 and above. By submitting a programme enquiry or registration, you confirm that you are at least 18 years of age and have the legal capacity to enter into this Agreement.

3. Service Description

Olverix provides structured financial education reading programmes. These are educational in nature and are not financial advisory services, investment advice, or regulated activities under the Financial Advisers Act (Cap. 110) or the Securities and Futures Act (Cap. 289) of Singapore.

Our current programmes include:

• Estate Planning Reading Programme — a ten-session evening reading programme introducing vocabulary and frameworks around estate planning in Singapore. S$870 per participant.
• Household Balance Sheet Reading Workshop — a weekend workshop on household financial vocabulary and structure. S$220 per participant.
• Singapore Retirement Reading Overview — a two-session reading overview of Singapore's national retirement landscape. S$130 per participant.

Programme availability, scheduling, and cohort composition are at Olverix's discretion. We reserve the right to modify programme content, schedule, or format with reasonable notice to registered participants.

4. User Responsibilities

When using our Website and participating in our Programmes, you agree to:

• Provide accurate and complete information when submitting any enquiry or registration
• Use the Website and Materials solely for personal, educational purposes
• Engage respectfully with Olverix staff and fellow programme participants
• Not reproduce, distribute, or commercially exploit any Materials without prior written consent from Olverix
• Not use the Website for any unlawful purpose or in a manner inconsistent with these Terms

5. Intellectual Property

All content on the Website and all Materials distributed through our Programmes — including text, structure, design, and supporting documents — are the intellectual property of Olverix or its content contributors and are protected under applicable Singapore law.

Participants are granted a limited, personal, non-transferable licence to use Materials for their own educational reference. This licence does not permit reproduction for distribution, commercial use, or resale.

6. Payment Terms

Programme fees are as set out in the current programme schedule and on this Website. All fees are stated in Singapore Dollars (SGD). Payment arrangements will be communicated upon confirmation of enrolment.

Cancellation and refund: We understand that circumstances change. Participants who are unable to attend a programme may contact us at [email protected] to discuss options. Refunds or credits are considered on a case-by-case basis. No refund is available for cancellations received fewer than 7 calendar days before a programme's first session, except where the programme is cancelled by Olverix.

If Olverix cancels a programme, registered participants will receive a full refund of fees paid or the option to transfer to a future cohort.

7. Programme Enrolment Terms

Enrolment in a Programme is subject to cohort availability. Enquiries submitted through the Website do not constitute a confirmed booking; confirmation will be communicated separately by Olverix.

Participants are expected to attend sessions as scheduled. Olverix does not issue certificates of attendance, completion, or academic qualification. Our programmes are purely educational discussions of publicly available frameworks and vocabulary; no academic or professional credential is associated with participation.

Programme Materials are provided for the personal use of each enrolled participant and may not be shared or reproduced without Olverix's written consent.

8. Disclaimers

The content of our reading programmes and the Website is provided for general educational purposes only. Nothing on the Website or in our Materials constitutes financial advice, legal advice, tax advice, or any other form of regulated professional advice.

Participants should consult qualified, licensed professionals for advice specific to their personal circumstances before making any financial, legal, or estate-planning decisions.

The Website and all content are provided on an "as available" basis. Olverix makes no representation regarding the completeness, timeliness, or fitness for purpose of any content.

9. Limitation of Liability

To the fullest extent permitted by Singapore law, Olverix's total liability to any Participant arising out of or in connection with these Terms, the Website, or any Programme shall not exceed the fees paid by that Participant for the relevant Programme.

Olverix shall not be liable for any indirect, consequential, or incidental loss or damage arising from participation in our programmes or use of our Website, including any decisions made in reliance on educational content.

Nothing in these Terms limits liability for death, personal injury, or fraud caused by Olverix's negligence.

10. Indemnification

You agree to indemnify Olverix against any claims, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms or your misuse of our Website or Materials.

11. Termination

Olverix reserves the right to withdraw programme access or cancel a participant's enrolment where there has been a material breach of these Terms, including conduct that disrupts the learning environment for other participants.

You may withdraw from a programme at any time by notifying Olverix in writing. Refund terms in such cases are as set out in Section 6 above.

12. Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Republic of Singapore. Any dispute arising from these Terms or your use of our services shall first be referred to Olverix for informal resolution by writing to [email protected]. We will endeavour to respond within 14 business days.

If informal resolution is not achieved, disputes may be referred to the Singapore Mediation Centre or, if necessary, to the courts of Singapore, which shall have exclusive jurisdiction.

13. General Provisions

• Entire Agreement — these Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Olverix regarding use of our Website and Programmes
• Severability — if any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force
• Waiver — failure by Olverix to enforce any provision shall not constitute a waiver of the right to do so in future
• Assignment — you may not assign your rights under these Terms; Olverix may assign its rights in connection with a business transfer or restructuring
• Notices — communications to Olverix should be addressed to [email protected] or the address below

14. Changes to These Terms

We may update these Terms from time to time. When changes are made, the "Last Updated" date will be revised. Continued use of the Website or participation in a Programme following any update constitutes acceptance of the revised Terms.

For material changes affecting existing programme participants, we will endeavour to provide notice by email where contact details are held.

15. Contact

For questions about these Terms or your enrolment, please contact: