Terms & Conditions

These Terms and Conditions govern your use of the Tovrik website and your participation in Tovrik reading programmes. Please read them carefully before making an enquiry or enrolling in a programme.

1. Definitions

• Agreement — these Terms and Conditions
• Programme — a Tovrik reading circle, workshop, or series as described on this website
• Participant — an individual who has enrolled in a Programme
• We / Us / Our / Tovrik — the educational organisation operating at 158 Cecil Street, #12-01, Dapenso Building, Singapore 069545
• Website — the Tovrik website at tovrik.sbs
• Content — reading materials, workbooks, printed binders, digital templates, and discussion materials provided as part of a Programme

2. Acceptance of terms

By submitting an enquiry through our website or confirming enrolment in a Programme, you agree to be bound by this Agreement. Participation in any Tovrik Programme is available to individuals aged 18 and above who have the legal capacity to enter a binding agreement. We reserve the right to decline enrolment where capacity is not satisfied.

3. Programme description

Tovrik offers reading-led educational programmes for adults aged 40 and above in Singapore. Current programmes include:

• Late-Career Reading Series — six-week programme, S$880
• Household Coordination Reading Workshop — two-day weekend workshop, S$220
• Document Organisation Reading Circle — four-session circle, S$170

Programmes are conducted in English at our reading room at 158 Cecil Street, Singapore, unless otherwise specified. Sessions are educational in nature. Tovrik does not provide financial advice, make recommendations concerning financial products, or hold any licence under Singapore's Financial Advisers Act or Securities and Futures Act.

4. Enrolment

Enrolment is confirmed by written correspondence from Tovrik following receipt of the programme fee. Places are allocated on a first-come, first-served basis. Cohort sizes are capped as described on the website. Where a cohort is full, a waiting list will be maintained and you will be notified if a place becomes available.

5. Participant responsibilities

As a Participant, you agree to:

• Attend sessions as scheduled or notify us in advance if you are unable to attend
• Complete advance reading where this is part of the programme format
• Treat facilitators and other participants with consideration
• Not record, photograph, or reproduce sessions without written consent
• Not reproduce or distribute programme Content to third parties

6. Intellectual property

All programme Content — including reading materials, workbooks, printed binders, templates, and discussion materials — is the intellectual property of Tovrik or its content sources. Participants are granted a personal, non-exclusive, non-transferable licence to use Content for individual, non-commercial educational purposes only. Content may not be copied, shared, sold, or adapted without prior written permission from Tovrik.

7. Fees and payment

7.1 Fees

Fees are denominated in Singapore Dollars (SGD) and are as listed on the website at the time of enrolment. Fees cover all session attendance, printed materials, and follow-up access described in the programme listing.

7.2 Payment

Payment is required to confirm enrolment. Accepted payment methods will be communicated at the point of enrolment confirmation. Fees must be received before the first session of the programme.

7.3 Cancellation and refunds

• Cancellations made more than 14 days before the first session: full refund less any bank transfer costs
• Cancellations made 7–14 days before the first session: 50% refund
• Cancellations made fewer than 7 days before the first session: no refund
• If Tovrik cancels a programme: full refund of programme fee

Refund requests should be submitted to [email protected].

8. Disclaimers

Tovrik programmes are educational and reading-led. They do not constitute financial advice, investment advice, tax advice, legal advice, or any form of regulated advisory service. Participants are encouraged to consult a licensed financial adviser, solicitor, or accountant for personal financial decisions.

Tovrik does not represent that participation in a programme will produce any specific outcome, financial or otherwise. Programme Content is provided for general educational purposes and reflects the reading material at the time of each cohort. Content accuracy is reviewed before each programme run but is not warranted as comprehensive or current beyond that review.

9. Limitation of liability

To the maximum extent permitted by Singapore law, Tovrik's liability to any Participant is limited to the programme fee paid by that Participant for the relevant programme. Tovrik is not liable for indirect, consequential, or special damages arising from participation in a programme or use of programme Content.

Nothing in this Agreement excludes liability for fraud, personal injury caused by negligence, or any other liability that cannot be excluded by law.

10. Indemnification

You agree to indemnify and hold Tovrik harmless against claims, losses, or expenses arising from your breach of this Agreement, your misuse of programme Content, or your conduct during programme sessions that causes harm to other participants or facilitators.

11. Termination

Tovrik may remove a Participant from a programme without refund if the Participant's conduct is disruptive, harmful to other participants, or in breach of this Agreement. Either party may withdraw from a programme for any other reason subject to the refund terms set out in Section 7.3.

12. Dispute resolution

This Agreement is governed by the laws of Singapore. In the event of a dispute, both parties agree to first seek resolution through direct correspondence. If a dispute cannot be resolved informally within 30 days, it may be referred to the Singapore Mediation Centre or, if mediation is unsuccessful, to the courts of Singapore which shall have exclusive jurisdiction.

13. General provisions

• Entire agreement: This Agreement constitutes the entire agreement between Tovrik and the Participant with respect to programme participation and supersedes prior correspondence or representations.
• Severability: If any provision of this Agreement is found unenforceable, the remaining provisions continue in full effect.
• Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
• Assignment: Participants may not assign rights under this Agreement without Tovrik's written consent.

14. Changes to these terms

We may update these Terms and Conditions from time to time. Material changes will be published on this page with an updated effective date. For programmes already booked, the terms current at the time of enrolment apply unless both parties agree otherwise.

15. Contact

For legal or terms-related enquiries:

• Email: [email protected]
• Address: 158 Cecil Street, #12-01, Dapenso Building, Singapore 069545