Terms & Conditions

Section 01

Definitions

• "We", "Us", "Our" — Latterway, operating from 9 Jalan Bukit Bintang, 55100 Kuala Lumpur, Wilayah Persekutuan, Malaysia.
• "You", "User", "Participant" — any person who accesses this website, submits an enquiry, or takes part in a session or programme.
• "Services" — the document organisation sessions, workshops, and programmes described on this website.
• "Content" — all text, materials, printed guides, reference indexes, and binders provided as part of a Service.
• "Website" — the pages accessible at latterwayzard.biz.
• "Agreement" — these Terms, together with our Privacy Policy and Cookie Policy, which together form the complete agreement between you and us.

Section 02

Acceptance of Terms

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

• You are at least 18 years of age, or are acting on behalf of someone who is.
• You have the legal capacity to enter into this Agreement.
• You have read and understood these Terms and agree to be bound by them.

If you do not agree with any part of these Terms, please do not use this website or submit an enquiry.

Section 03

Service Description

Latterway offers three document and records organisation services for individuals and families at or approaching retirement age:

• Personal Records Inventory Session (S-01) — a single session to inventory personal documents and produce a printed reference index.
• Family Records Reference Workshop (S-02) — a group workshop for adult family members focused on document labelling and storage alignment.
• Retirement Records Programme (S-03) — a multi-week programme covering document categories, naming standards, scanning checklists, and a printed family reference binder.

All services are administrative and educational in scope. They do not constitute financial, legal, or personal advice of any kind. Latterway does not assess, recommend, or comment on individual entitlements, asset allocation, estate planning strategies, or pension outcomes.

Section 04

User Responsibilities

When using this website or participating in a session, you agree to:

• Provide accurate contact details when submitting an enquiry.
• Attend sessions at the agreed time or give reasonable notice of cancellation.
• Not reproduce, redistribute, or resell printed materials or session content provided as part of a Service.
• Not use this website in any manner that could interfere with its operation or security.

You are solely responsible for decisions made with reference to materials or information provided during a session. We do not direct how you use printed materials after a session concludes.

Section 05

Payment Terms

Fees for services are stated in Malaysian Ringgit (RM). Current fees:

• Personal Records Inventory Session — RM 480
• Family Records Reference Workshop — RM 1,400
• Retirement Records Programme — RM 4,300

Payment terms, accepted methods, and any deposit arrangements will be confirmed in writing before a session is scheduled. Fees are inclusive of all printed materials mentioned in each service description.

Cancellation and rescheduling: where a session is cancelled by the participant with less than 48 hours' notice, a handling fee may apply. We reserve the right to reschedule sessions due to unforeseen circumstances, in which case participants will be notified promptly.

Section 06

Intellectual Property

All website content, including text, layout, structure, session frameworks, and printed materials, is the intellectual property of Latterway unless otherwise noted.

You are granted a limited, personal, non-transferable licence to use materials received through a session for your own household reference purposes. This does not extend to reproduction for commercial use, distribution, or resale.

Reproducing, copying, or adapting any part of this website or session materials without prior written consent from Latterway is not permitted.

Section 07

Disclaimers

Our services are provided for informational and organisational purposes only. In particular:

• Nothing communicated during a session or contained in printed materials constitutes financial, legal, tax, estate, or personal advice.
• We make no representation that the organisation approach used in our sessions is the only suitable approach for any individual's circumstances.
• The website is provided on an as-available basis. We do not represent that it will be free of errors or uninterrupted at all times.

For matters involving entitlements, assets, estate planning, or legal obligations, participants are encouraged to consult a qualified professional independently.

Section 08

Limitation of Liability

To the extent permitted by Malaysian law, Latterway's total liability in connection with any service or use of this website shall not exceed the amount paid by the participant for the specific service to which the claim relates.

We shall not be liable for any indirect, consequential, or financial loss arising from reliance on session content or printed materials, or from use of this website.

Nothing in these Terms excludes liability that cannot lawfully be excluded under the Consumer Protection Act 1999 (Malaysia) or other applicable Malaysian law.

Section 09

Termination

Either party may withdraw from a scheduled service arrangement before the session commences, subject to the cancellation terms described in Section 05. Upon withdrawal, any right to access session materials that have not yet been delivered will cease.

We reserve the right to decline to provide services to any person at our discretion, particularly where the scope of their request falls outside the educational and administrative nature of our offerings.

Section 10

Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Malaysia. Any dispute arising from or related to these Terms or our services shall first be addressed through informal written communication to [email protected].

If the matter cannot be resolved informally within 30 days, either party may refer it to the courts of Malaysia, with the courts of Kuala Lumpur having exclusive jurisdiction unless otherwise required by law.

Nothing in this section prevents either party from seeking urgent interim relief from a court of competent jurisdiction.

Section 11

General Provisions

• Entire agreement: these Terms, together with our Privacy Policy and Cookie Policy, constitute the full agreement between you and Latterway regarding this website and our services.
• Severability: if any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.
• Waiver: failure to enforce any provision of these Terms on one occasion does not constitute a waiver of that provision on any future occasion.
• Assignment: you may not transfer your rights or obligations under these Terms to any third party without our prior written consent.

Section 12

Changes to These Terms

We may update these Terms from time to time. Any changes will be published on this page with a revised effective date. Continued use of the website or services after an update constitutes acceptance of the revised Terms. We recommend reviewing this page periodically if you use our services on a recurring basis.

Section 13

Contact — Legal Enquiries

For questions, feedback, or written notices related to these Terms: