Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "Gravel Reed", "the Practice", "we", "us": Gravel Reed, 7 Jalan Hang Tuah, 75300 Melaka, Malaysia.
• "Participant", "you": the individual or organisation registering for or attending an engagement.
• "Engagement": any of the three educational services offered by Gravel Reed (Vocabulary Workshop, Family Handover Folder, Records Practice Consulting).
• "Agreement": these Terms and Conditions, together with any written scope statement issued before an engagement.
• "Content": printed and written materials produced by Gravel Reed for use in engagements.

2. Acceptance of Terms

By registering for an engagement or submitting a contact enquiry, you confirm that you are aged 18 or over and have the capacity to enter into this Agreement. Acceptance may be given in writing, by telephone, or by submitting a contact form.

3. Description of Services

Gravel Reed provides general administrative education only. The three engagements available are:

1. Paperwork Vocabulary Workshop — a two-hour group session explaining retirement-related administrative terminology using published definitions. Fee: RM 450 per participant.
2. Family Handover Folder — three individual appointments producing an organised folder of the participant's own records. Fee: RM 1,150 per engagement.
3. Records Practice Consulting for Community Bodies — an operational consulting engagement for organisations holding member administrative records. Fee: RM 4,200 per engagement.

All services are general and educational in character. Nothing in any engagement constitutes regulated financial, legal, or professional advice.

4. Scope Limitations

Gravel Reed facilitators do not:

• Read, review, copy, scan, or assess any document belonging to a participant
• Provide opinions on a participant's entitlements, obligations, or rights under any statute
• Advise on financial products, investment decisions, or legal positions
• Act as a representative or intermediary with any statutory body

Where a question falls outside the scope of general administrative education, the facilitator will identify the type of qualified professional appropriate to the question.

5. Participant Responsibilities

Participants agree to:

• Attend sessions at the confirmed time and location
• Provide accurate contact information at registration
• Use materials provided for personal, non-commercial purposes only
• Not record, reproduce, or distribute session content without prior written permission
• Treat facilitators and other participants with respect

6. Intellectual Property

All printed materials produced by Gravel Reed, including the vocabulary workshop glossary, large-type sheets, and written assessment documents, remain the intellectual property of Gravel Reed. A non-exclusive, personal licence is granted to the registered participant for their own use. Materials may not be reproduced, distributed, or used commercially without written permission.

7. Payment Terms

Fees are payable in Malaysian Ringgit (RM). For workshop registrations, full payment is due at least five calendar days before the session date. For individual engagements (Family Handover Folder), a 50% deposit is due on confirmation, with the remainder due before the third appointment. For community body consulting, payment terms are set out in the engagement agreement and typically involve a deposit on signing and balance on delivery of the written assessment.

Accepted payment methods include bank transfer (DuitNow) and cash at our premises.

8. Cancellation and Rescheduling

Participants cancelling a workshop registration more than seven days before the session date will receive a full refund. Cancellations within seven days of the session are not eligible for a refund but may be transferred to a future session date.

For individual engagements, rescheduling of any appointment is permitted with at least 48 hours' notice. Gravel Reed reserves the right to reschedule sessions in the event of unforeseen circumstances, with equivalent notice given to participants.

9. Disclaimer

All content provided by Gravel Reed is for general educational purposes only. The Practice makes no representation that any particular administrative outcome will result from attending an engagement. Participants are responsible for their own decisions regarding administrative documents, and are encouraged to consult qualified professionals for questions requiring regulated advice.

10. Limitation of Liability

To the extent permitted by Malaysian law, Gravel Reed's liability to any participant is limited to the fee paid for the relevant engagement. We are not liable for indirect, consequential, or incidental loss arising from participation in any engagement or use of materials provided.

11. Indemnification

Participants agree to indemnify Gravel Reed against any claim arising from their misuse of materials, misrepresentation of the nature of the services to third parties, or breach of these Terms and Conditions.

12. Termination

Gravel Reed reserves the right to end an engagement at any time where a participant's conduct disrupts the session or breaches these Terms. In such cases, no refund will be issued. Participants may withdraw from an engagement at any time, subject to the cancellation terms in section 8.

13. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of Malaysia. Any dispute arising from or related to an engagement shall first be addressed through written correspondence between the parties. If unresolved within 30 days, disputes shall be referred to the courts of Malaysia, with Melaka as the agreed jurisdiction.

14. General Provisions

These Terms and Conditions constitute the entire agreement between Gravel Reed and the participant in relation to any engagement. If any provision is found to be unenforceable, the remaining provisions continue in full effect. No waiver of any term shall constitute a general waiver. These Terms may not be assigned by participants without written consent.

15. Changes to Terms

Gravel Reed may update these Terms from time to time. The date at the top of this page reflects the most recent revision. Registered participants will be notified of material changes by email where their address is held.

16. Contact

Gravel Reed
7 Jalan Hang Tuah, 75300 Melaka, Malaysia
[email protected]
+60 6 2847 3519