Terms & Conditions

1. Definitions

• "Agreement" — these Terms and Conditions, together with any applicable programme details or payment confirmation.
• "Service" — any programme, workshop, toolkit, template, tutorial, or educational resource offered by Quidly.
• "We / Us / Our" — Quidly, operating from No. 3, Jalan Tengku Kelana, 41000 Klang, Selangor, Malaysia.
• "User / You" — any individual who accesses this website or participates in a Quidly programme.
• "Content" — all materials, templates, worksheets, text, graphics, and other resources made available by Quidly.

2. Acceptance of Terms

By submitting an enquiry, completing an enrolment, or using this website, you confirm that:

• You are at least 18 years of age;
• You have the legal capacity to enter into a binding agreement;
• All information you provide is accurate and complete;
• You agree to these Terms on your own behalf or on behalf of the organisation you represent.

3. Service Description

Quidly provides general educational programmes and tools relating to personal expense tracking, category management, and tracking habit-building. Current services include:

Services are subject to availability and may be adjusted from time to time. We will communicate any material changes before they take effect. Programmes are primarily conducted in Malaysia and delivered in English.

4. Accounts & Registration

Certain programmes may require you to register or provide personal details ahead of a session. Where applicable:

• You are responsible for keeping any login credentials or access links confidential;
• You must not share access with individuals who have not enrolled;
• You agree to notify us promptly if you become aware of any unauthorised use of your access;
• We reserve the right to revoke access if these obligations are not met.

5. User Responsibilities & Acceptable Use

When using our website or participating in any programme, you agree to:

• Engage respectfully with facilitators, staff, and other participants;
• Use materials solely for your own personal learning and reference;
• Refrain from recording, reproducing, or redistributing session content without written permission;
• Provide truthful information during registration and enquiries;
• Refrain from any conduct that disrupts sessions or harms other participants.

The following activities are strictly prohibited: distributing Quidly's content commercially; using our website to transmit malicious code or spam; attempting to interfere with site infrastructure; and misrepresenting your affiliation with Quidly.

6. Intellectual Property

All content available through Quidly — including but not limited to templates, worksheets, slide decks, written guides, and programme materials — is the intellectual property of Quidly or its licensors and is protected under Malaysian and international copyright law.

Upon enrolment, you are granted a limited, personal, non-exclusive, non-transferable licence to access and use materials for your own learning. This licence does not permit:

• Reproduction or distribution of materials to third parties;
• Commercial use, resale, or repackaging of content;
• Removal of Quidly branding or attribution from any materials.

7. Payment Terms

All fees are quoted in Malaysian Ringgit (RM) and are inclusive of applicable taxes unless stated otherwise. Enrolment is confirmed upon receipt of full payment.

Refund Policy: If you need to withdraw from a programme, please contact us at [email protected] as soon as possible. Refund eligibility depends on the timing of your request relative to the programme start date and will be assessed on a case-by-case basis. We do not ordinarily offer refunds for digital toolkit access once materials have been delivered.

We accept payment methods as communicated at the time of enrolment. Prices are subject to change; any change will not affect confirmed enrolments.

8. Programme-Specific Terms

Attendance & Participation: Participants are expected to attend sessions as scheduled. We are not obliged to arrange make-up sessions for missed attendance, though we will make reasonable efforts to share session materials afterwards.

Certificate of Attendance: A certificate of attendance for the Tracking Mastery Programme is issued solely to participants who meet the attendance criteria communicated at enrolment. The certificate acknowledges participation in a general-education programme only and does not constitute a professional qualification or certification of financial competency.

Academic Integrity: Participants are expected to engage with programme materials honestly. Sharing of assessments or completing work on behalf of another participant is not permitted.

Programme Adjustments: We reserve the right to modify session schedules, content, or delivery format where necessary. We will notify registered participants of any material changes in advance.

9. Disclaimers

Quidly's programmes are general educational resources only. Nothing in our programmes, materials, or communications constitutes financial advice, accounting advice, legal advice, or any other form of regulated professional guidance.

Our services are provided on an "as available" basis. We do not represent that programmes will be uninterrupted or error-free. We make no representations about the suitability of content for your individual circumstances.

Individual results from applying tracking habits will vary based on personal circumstances, effort, and consistency. Quidly makes no representations about financial outcomes resulting from participation in any programme.

10. Limitation of Liability

To the fullest extent permitted by Malaysian law, Quidly's total liability to you for any claim arising from these Terms or your use of our services shall not exceed the fees you paid for the relevant programme.

Quidly shall not be liable for any indirect, incidental, or consequential loss, including loss of profit, loss of data, or loss of opportunity, whether arising in contract, negligence, or otherwise.

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

11. Indemnification

You agree to indemnify and hold harmless Quidly, its directors, employees, and representatives from and against any claims, damages, or expenses (including reasonable legal fees) arising from your breach of these Terms, your use of our services, or your violation of any third-party rights.

12. Termination

Either party may terminate this Agreement at any time by providing written notice. Quidly may suspend or terminate your access to materials or future programmes without notice if you breach these Terms or engage in conduct detrimental to other participants.

Provisions relating to intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution will survive termination.

13. Dispute Resolution

These Terms are governed by the laws of Malaysia. In the event of a dispute, we encourage you to contact us first so we may attempt an informal resolution.

If informal resolution is not possible within 30 days of written notice, disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia.

To initiate a formal complaint, please write to us at [email protected] with a clear description of the matter and your contact details.

14. General Provisions

• Entire Agreement: These Terms, together with any programme-specific documentation, constitute the entire agreement between you and Quidly regarding their subject matter.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.
• Waiver: Failure by Quidly to enforce any right under these Terms does not constitute a waiver of that right.
• Assignment: You may not assign your rights or obligations under these Terms without Quidly's prior written consent.
• Notices: Notices to Quidly should be sent in writing to the address or email below. We may send notices to you via the email address you provided at enrolment.

15. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services or applicable law. The revised Terms will be published on this page with an updated "Last Updated" date.

We will notify enrolled participants of significant changes by email where possible. Continued use of our website or services after the effective date of revised Terms constitutes acceptance of those Terms.

16. Contact Information

For any questions about these Terms, please contact us: