Terms & Conditions

1. Definitions

In these Terms and Conditions, the following terms have the meanings set out below:

• "We / Us / Our / Slowharbor" — Slowharbor, a records information and educational briefing service based at 22 Jalan Sultan Ismail, 25000 Kuantan, Pahang, Malaysia.
• "You / User" — any individual or family who books, attends, or enquires about our sessions, or who uses our website.
• "Session" — any of our three service offerings: Vocabulary and Forms Briefing, Single-File Records Build, or Family Records Stewardship.
• "Agreement" — these Terms and Conditions, together with any session confirmation we issue to you.
• "Content" — all materials produced by Slowharbor, including glossaries, annotated forms, indexed files, gap lists, and handover packs.

2. Acceptance of Terms

By submitting an enquiry form, booking a session, or attending a session, you confirm that:

• You are at least 18 years of age, or acting on behalf of a person with their consent
• You have the legal capacity to enter into this Agreement
• You agree to be bound by these Terms and Conditions in full

3. Service Description

Slowharbor provides three sessions relating to pension and retirement records:

• Vocabulary and Forms Briefing (RM 470): A two-hour group educational briefing on the language and structure of retirement paperwork. Includes a printed glossary and annotated blank forms. No individual advice is given.
• Single-File Records Build (RM 1,050): A three-hour clerical appointment in which a coordinator sorts, indexes, and labels documents you bring. Outputs include a bound file, contents page, scanned copy to your device, and a written gap list. No documents are retained by Slowharbor.
• Family Records Stewardship (RM 3,720): A four-month engagement including a master register, correspondence log, submission calendar, quarterly reviews, and a handover pack. No advice is given and nothing is filed or sent on your behalf.

Sessions are available in Kuantan at our office or online. Availability is subject to appointment scheduling. We reserve the right to reschedule a session with reasonable notice.

4. User Responsibilities

You agree to:

• Attend your booked session at the agreed time, or provide at least 48 hours' notice if you need to reschedule
• Bring relevant documents to clerical appointments as agreed at intake
• Provide accurate contact and registration information
• Use our session outputs (files, glossaries, handover packs) only for your own personal or family purposes
• Not use our services for any unlawful purpose or in a manner that infringes the rights of others
• Not record, broadcast, or distribute any group briefing session without prior written consent from Slowharbor

5. Intellectual Property

All materials produced by Slowharbor — including glossaries, annotated forms, file indexing formats, gap list templates, and handover pack structures — remain the intellectual property of Slowharbor.

You are granted a personal, non-exclusive, non-transferable licence to use the materials produced for your session for your own personal or family purposes. You may not reproduce, distribute, or sell our materials without our prior written permission.

6. Payment Terms

• All prices are stated in Malaysian Ringgit (RM) and are inclusive of any applicable tax
• Payment is due in full at the time of booking unless otherwise agreed in writing
• Accepted payment methods will be confirmed at the time of booking
• Cancellations with more than 48 hours' notice: full refund
• Cancellations with less than 48 hours' notice: 50% of the session fee is retained
• No-shows: the full session fee is retained
• Refunds, where applicable, will be processed within 14 working days

7. Service-Specific Terms

Vocabulary and Forms Briefing

Sessions accommodate up to 8 attendees. We reserve the right to reschedule a session if attendance falls below 2 confirmed participants, with full refund or rebooking offered. Group Q&A covers general questions only — individual circumstances are not addressed.

Single-File Records Build

Documents brought to the appointment are handled only for the purposes of sorting, indexing, and labelling. No document is retained by Slowharbor after the appointment. Scanned copies are placed only on storage you bring (USB drive or your own cloud folder). We take reasonable care with documents but are not liable for pre-existing damage.

Family Records Stewardship

The engagement begins on the date of the intake meeting and closes four calendar months later with delivery of the handover pack. Quarterly reviews are scheduled at months 2 and 4. Missed reviews may be rescheduled within 14 days at no additional charge. The engagement does not include any action taken by Slowharbor with any external institution.

8. Disclaimers

Slowharbor provides educational information and clerical organisation only. Our sessions do not constitute legal advice, financial advice, professional advice of any kind, or a regulated financial service.

Nothing in our sessions, materials, or handover packs should be construed as a recommendation, opinion on your individual circumstances, or instruction to take any specific action with any institution.

Session materials are provided in good faith and are believed to be accurate at the time of delivery, but we make no representations as to their completeness or fitness for any specific purpose beyond general educational use.

9. Limitation of Liability

To the maximum extent permitted by Malaysian law, Slowharbor's total liability to you in connection with any session shall not exceed the amount you paid for that session.

We are not liable for any indirect, incidental, or consequential loss arising from your use of our sessions or materials, including any decisions made based on information received in a session.

10. Indemnification

You agree to indemnify Slowharbor against any claims, losses, or expenses (including reasonable legal costs) arising from your breach of these Terms, your misuse of session materials, or your violation of any applicable law or the rights of any third party.

11. Termination

Either party may terminate a Family Records Stewardship engagement by giving 14 days' written notice. In the event of termination by Slowharbor without cause, a pro-rata refund of the unused portion will be provided. In the event of termination by you, the refund (if any) will be calculated on the basis of work completed to the date of notice.

Individual session bookings may be cancelled in accordance with the Payment Terms in Section 6.

12. Dispute Resolution

These Terms and Conditions are governed by the laws of Malaysia. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia, with Kuantan as the preferred venue.

Before commencing any formal proceedings, both parties agree to attempt to resolve disputes informally by contacting [email protected] and allowing 21 days for a response.

13. General Provisions

• Entire Agreement: These Terms, together with any session confirmation, constitute the entire agreement between you and Slowharbor.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce any provision of these Terms does not constitute a waiver of that provision.
• Assignment: You may not assign your rights under these Terms without our prior written consent. We may assign our rights in connection with a business transfer.
• Notices: Formal notices should be sent by email to [email protected] or by post to our Kuantan address.

14. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the "Last Updated" date at the top of this page. For bookings made before the update, the previous Terms apply unless you accept the new Terms in writing.

15. Contact