Terms & Conditions

1. About Wira

Wira is a financial education practice based in Singapore. Our programmes are designed to help adults in their forties and fifties develop a careful, considered understanding of personal finance, investing and household financial planning. Wira is not a financial advisory firm, does not hold a Capital Markets Services Licence, and does not provide personalised financial advice.

Registered address: 56 Tras Street, #04-09, Singapore 078996.
Contact: [email protected] · +65 6829 1564

2. Nature of Our Services — Education Only

Wira's programmes — including Field Notes on Household Finance, The Annotated Investor, and The Private Field Study — are educational in nature. They are structured to help participants understand financial concepts, ask better questions and develop their own carefully considered views.

Nothing presented in any Wira programme, session, worksheet, field journal, or written material constitutes:

• Financial advice within the meaning of the Financial Advisers Act (Cap. 110)
• A recommendation to buy, sell or hold any investment product
• An offer of securities or financial products
• Tax advice or legal advice

Participants are encouraged to consult a licensed financial adviser, accountant or solicitor before making any financial decision. Wira accepts no responsibility for financial decisions made by participants as a result of attending a programme.

3. Programme Enrolment

3.1 How to Enrol

Enrolment in a Wira programme begins with an enquiry via the contact form at wira.info/#contact or by telephone. We will respond within three business days to confirm availability, discuss whether the programme is a suitable fit, and issue a payment request. Enrolment is confirmed upon receipt of payment in full.

3.2 Group Size

Group programmes (Field Notes on Household Finance and The Annotated Investor) are limited to twelve participants per cohort. Places are confirmed in the order payment is received. If a cohort is full, we will invite you to join a waiting list for the next available cohort.

3.3 Eligibility

Wira's programmes are designed for adults aged 40 and above. Participation is open to Singapore residents and citizens. The Private Field Study is available to households; other programmes are open to individuals. Wira reserves the right to decline an enrolment if, in its sole judgment, the programme is not a suitable fit for the enquiring participant.

4. Fees and Payment

4.1 Programme Fees

Current programme fees are:

• Field Notes on Household Finance (five-week group) — SGD 250 per participant
• The Annotated Investor (eight-week course) — SGD 460 per participant
• The Private Field Study (six-session bespoke programme) — SGD 780 per household

All fees are quoted in Singapore dollars and are inclusive of any applicable goods and services tax. Fees are subject to change; the fee applicable to your enrolment is the fee confirmed in your enrolment correspondence.

4.2 Payment Terms

Payment is due in full at the time of enrolment. We accept payment by bank transfer. Payment details are provided in the enrolment correspondence. Your place in a programme is held for seven days from the date the payment request is issued. If payment is not received within that period, the place may be offered to another enquirer.

4.3 Subsidies and Concessions

A small number of subsidised places may be available on a needs basis. If you would like to enquire, please contact us at [email protected]. Subsidised places are limited and are offered at Wira's discretion.

5. Cancellation and Refunds

5.1 Cancellation by Participant

If you need to cancel your enrolment:

• More than 14 days before the first session: full refund, less an SGD 30 administrative charge
• 7 to 14 days before the first session: 50% refund
• Less than 7 days before the first session: no refund

Cancellations must be communicated in writing to [email protected]. Refunds will be processed within 14 business days by the same payment method used for enrolment.

5.2 Missed Sessions

In group programmes, if a participant misses a session, no partial refund is offered for that session. We will, where practical, provide the participant with the session worksheet and a brief written summary of the session's key points.

5.3 Cancellation by Wira

Wira reserves the right to cancel a programme cohort if minimum numbers are not reached, or in circumstances beyond our reasonable control. In the event of cancellation by Wira, participants will receive a full refund within 14 business days. Wira is not liable for any other costs incurred by participants in connection with a cancelled programme.

5.4 Programme Postponement

If Wira needs to postpone a cohort, enrolled participants will be offered a place in the rescheduled cohort or a full refund. Wira will give participants at least 7 days' notice of a postponement wherever reasonably possible.

6. Programme Materials and Intellectual Property

All programme materials — including session notes, worksheets, annotated field journals, slide presentations and written summaries — are prepared by Wira and remain the intellectual property of Wira. Participants receive a personal licence to use programme materials for their own household purposes. Materials may not be:

• Reproduced or shared in any format for commercial purposes
• Distributed to individuals who have not enrolled in a programme
• Published online or in print without Wira's written consent

The bound annotated study produced at the close of The Private Field Study is prepared specifically for the participating household and is theirs to keep. The intellectual framework and session structure underlying that study remain the property of Wira.

7. Confidentiality

In group programmes, participants are asked to treat the personal financial circumstances shared by other participants as confidential. We ask that you do not discuss other participants' financial situations outside the session group.

In The Private Field Study, the facilitator will handle the household's financial documents and discussions with care. No financial details shared during a Private Field Study will be disclosed to any third party without the household's consent, except as required by law.

8. Conduct and Participation

Wira's programmes are small and quiet by design. We ask all participants to treat others with courtesy and to engage with sessions in a spirit of careful study. Wira reserves the right to ask a participant to leave a programme without refund if their conduct is disruptive to other participants or to the facilitator, or if any conduct is found to be offensive or harmful.

9. Website Use

This website is provided for informational purposes and to allow you to enquire about Wira's programmes. You may not use this website to:

• Submit false or misleading information
• Attempt to gain unauthorised access to any part of the website or its underlying systems
• Scrape, copy or reproduce website content for commercial purposes
• Engage in conduct that could damage, overburden or impair the website

Wira makes reasonable efforts to keep the website accurate and available, but does not warrant that the website will be error-free or uninterrupted. The information on this website is for general educational reference only and does not constitute financial, legal or tax advice.

10. Limitation of Liability

To the extent permitted by Singapore law, Wira's total liability to any participant or website user arising out of or in connection with these terms, a programme, or use of this website shall not exceed the programme fee paid by that participant. Wira is not liable for any indirect, consequential, or economic loss, including loss of income or any financial loss arising from decisions made following a programme.

Nothing in these terms excludes or limits liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded under Singapore law.

11. Privacy and Cookies

The personal data you provide when making an enquiry or enrolling in a programme is handled in accordance with our Privacy Policy. Our use of cookies on this website is described in our Cookie Policy. By using this website, you acknowledge that you have read those policies.

12. Changes to These Terms

Wira may update these terms from time to time. When we do, we will update the "Last updated" date at the top of this page. The terms that apply to your enrolment are those in effect at the time your enrolment is confirmed. For website use, the current terms apply.

13. Governing Law

These terms are governed by the laws of Singapore. Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Singapore.

14. Contact

For questions about these terms, please contact: