Master Enrollment Agreement

NAVIGO® ASIA SDN. BHD.

MASTER ENROLLMENT AGREEMENT (MEA)

Version: 2025.Final_Rev1 | Last Updated: December 9, 2025

1. PARTIES AND SCOPE

1.1 The Agreement
This Master Enrollment Agreement (“Agreement”) governs the terms under which NaviGo® Asia Sdn. Bhd. (Company No.: 200501009870 (686917-X)) (“NaviGo”, “we”, “us”) provides training and coaching services to the Participant or Payer identified in the Enrollment Form. Where a corporate entity (“The Payer”) funds the Participant’s enrollment, both the Participant and the Payer agree to be jointly and severally liable for all financial obligations under this Agreement. References to “Participant” or “you” shall apply to both parties where applicable.

1.2 Scope
This Agreement applies to all training programs, workshops, and coaching sessions offered by NaviGo (collectively, the “Program”). By enrolling in a Program, whether via online form or written contract, you agree to be bound by these terms.

1.3 Program Definitions
To simplify this Agreement, the following defined terms apply to NaviGo’s core certification programs:

• “Level 1” refers to the Licensed Practitioner of NLP® program.
• “Level 2” refers to the Licensed Master Practitioner of NLP® program.
• “Level 3” refers to the Licensed NLP Coach® program.

2. ENROLLMENT AND FORMATION OF CONTRACT

2.1 Acceptance
Your submission of an online Enrollment Form or signing of a physical registration form constitutes an offer to purchase training services. A binding contract is formed only when NaviGo issues a written confirmation (email is sufficient).

• Deemed Receipt: Electronic confirmation is deemed received by the Participant twenty-four (24) hours after transmission from NaviGo’s servers, regardless of whether the email is opened, read, or filtered into a junk/spam folder.

2.2 Prerequisites
NaviGo reserves the right to decline enrollment if a Participant fails to meet the specific prerequisites for a Program (e.g., Level 1 certification is required before entering Level 2).

2.3 Validity
This Agreement remains valid for all future Programs you attend with NaviGo until replaced by a newer version.

3. FEES, PAYMENTS, AND INSTALLMENTS

3.1 Payment Deadlines & Confirmation
Upon receiving an enrollment, NaviGo will issue a Proforma Invoice or Payment Request Link to the Participant.

• (a) Standard Enrollment (Full Payment): To secure the seat and pricing, 100% of the Program Fee must be settled within five (5) business days of the Proforma Invoice issuance date. If payment is not received by this deadline, the Proforma Invoice is automatically voided, and the reserved seat is released.
• (b) Exceptions (Down Payments): Partial Down Payments are permitted only where the Participant is enrolling under a specific Special Offer or an approved Installment Plan. In such cases, the Down Payment secures the quoted pricing only; the seat is not confirmed until the balance is fully paid or the Installment Plan is executed.
• (c) Reservation Status: Where a Participant is on an active Installment Plan, the seat is held as a “Conditional Reservation.” NaviGo reserves the right to release this reservation if any installment is overdue by more than seven (7) days.

3.2 Taxes
All fees quoted are inclusive of Sales and Service Tax (SST) at the prevailing rate (currently 8%), unless explicitly stated otherwise. The amount payable as stated in the Enrollment Form and Proforma Invoice is the final nett price.

3.3 Payment Methods
Payments may be made via bank transfer, credit card, or payment gateway as directed by NaviGo. All banking charges and currency conversion fees shall be borne by the Participant.

3.4 In-House Installment Plan (IIP)
Where NaviGo grants the Participant an In-House Installment Plan, the following specific terms apply:

• (a) Nature of Plan: This is a Credit Sale arrangement, not a loan. NaviGo may charge a higher “Installment Price” or a one-time “Administrative Processing Fee” compared to the cash price. No interest is charged on the outstanding balance.
• (b) Mandatory Auto-Debit: As a strict condition of the Installment Plan, the Participant must execute a Credit Card Auto-Debit authorization or Standing Instruction for all monthly payments. NaviGo does not accept manual monthly bank transfers. Failure to provide a valid auto-debit method will result in the revocation of the Installment Plan.
• (c) Strict Adherence: Installments must be paid on or before the due dates specified in the Payment Schedule.
• (d) Settlement upon Default: In the unlikely event that an installment remains unpaid for more than seven (7) days despite reminders, the Installment Plan privilege may be revoked. In such cases, NaviGo reserves the right to request the settlement of the remaining program balance to continue the training.
• (e) Issuance of Certification: Official Certificates and seals are released to the Participant upon the successful completion of the training modules and the settlement of all applicable program fees.
• (f) Continuity of Payments: The Installment Plan is a binding financial commitment to the Total Program Fee. Deferment of program attendance—whether voluntary or due to medical reasons—does not suspend, pause, or cancel the payment obligations. Monthly installments must continue according to the original schedule regardless of when the training is attended.

3.5 Indivisibility of Bundled Packages
Where the Participant has enrolled in a “Bundle” or “Package” (combining multiple certification levels, e.g., Level 1 + Level 2 + Level 3), the Participant acknowledges that the Bundle is sold as a complete package. As such, the package cannot be split or refunded partially (e.g., attending Level 1 but cancelling Level 2) once the training has commenced.

3.6 e-Invoicing & Receipts
In compliance with Malaysian e-Invoicing regulations:

• (a) Proforma Status: Any invoice issued prior to payment is a Proforma Invoice only and does not constitute a valid tax invoice for the purpose of input tax claims (if applicable).
• (b) Official e-Invoice: An official, LHDN-validated e-Invoice / Official Receipt will be issued to the Participant only upon receipt of cleared funds.
• (c) Data Requirement: The Participant agrees to provide accurate personal/corporate details (including NRIC, Passport No., or TIN) as required by LHDN for the issuance of the e-Invoice.

4. ATTENDANCE, CERTIFICATION AND CONDUCT

4.1 Certification Requirements
Certificates (including Licensed NLP® certificates) are not automatic. To qualify, the Participant must:

1. Achieve 100% attendance (or make up missed hours as agreed with the trainer);
2. Demonstrate competence in the required skills; and
3. Have paid all Program Fees in full.

4.2 Conduct
NaviGo is committed to a safe learning environment. We reserve the right to remove any Participant from a Program without refund if the Participant:

1. Engages in disruptive, threatening, or harassing behavior;
2. Violates the confidentiality of other participants; or
3. Breaches the safety rules of the venue.

4.3 Program Validity and Expiration
To ensure the currency of training and the logistical management of cohorts, the Participant must complete all training modules and certifications associated with this Agreement within the following timelines (“The Validity Period”):

• (a) Eighteen (18) months from the date of the initial payment for Single Certifications and Dual Bundles (Level 1 + Level 2); or
• (b) Twenty-Four (24) months from the date of the initial payment for Triple Bundles (Level 1 + Level 2 + Level 3).

Expiration & Forfeiture:
In the event the Participant fails to attend or complete the requisite training programs within the Validity Period:

• (i) This Agreement shall automatically expire;
• (ii) Any and all rights to attend future training cohorts under this Agreement shall be permanently forfeited; and
• (iii) All fees paid to date shall be retained by NaviGo as liquidated damages to cover administrative overhead, opportunity costs, and seat reservation losses. No refunds, credits, or transfers will be permitted after the expiration of the Validity Period.
• (iv) Option to Reinstate: Notwithstanding the above, NaviGo may, at its sole discretion, allow a Participant to reinstate an expired credit within six (6) months of expiration, subject to a Reinstatement Fee of MYR 500 plus the payment of any difference between the original fee paid and the current prevailing price of the Program.

5. TRANSFERS, SUBSTITUTIONS AND RESCHEDULING

If a Participant wishes to transfer to a future intake, the request is strictly subject to seat availability in the desired cohort. NaviGo does not guarantee a seat in the immediate next intake if it is fully booked. If the preferred intake is unavailable, the Participant must select a subsequent available intake.

The following terms apply based on when the written request is received by NaviGo. The fees below represent a genuine pre-estimate of the opportunity cost and re-marketing effort required to refill the vacated seat.

5.1 Rescheduling & Re-marketing Fees
These fees are inclusive of Sales and Service Tax (SST) at the prevailing rate.

• More than 45 working days before Start Date: No Fee.
• 22 to 45 working days before Start Date: A Fee of MYR 500 applies.
• Less than 21 working days before Start Date: A Fee of MYR 1,000 applies.

5.2 Effect on Promotions
If a Participant enrolled under a “Special Promotion” or “Early Bird” rate reschedules within the 21-day window, the promotional rate is void. The Participant must pay the Fee above plus the difference to top up to the Standard Program Fee for the new intake.

5.3 Substitutions
A Participant may nominate a substitute participant to attend the specific Program intake they are currently enrolled in, subject to the following strict conditions:

• Same Program Only: The substitution is valid only for the exact same Program level and dates (e.g., a Level 2 seat cannot be exchanged for a Level 1 seat).
• Prerequisites: The substitute must meet all entry requirements and prerequisites for that specific Program.
• Notice: NaviGo must be notified in writing at least 14 days prior to the start date.
• No Value Transfer: The substitution is a direct seat swap; strictly no partial refunds or “balance transfers” will be permitted if the original seat value differs from the substitute’s eligibility.

6. CANCELLATION, REFUNDS AND CREDIT

6.1 Cooling-Off Period
If the Participant cancels within ten (10) working days of the initial payment and before the Program starts, NaviGo will refund all fees paid, less an Administrative and Processing Fee of RM 250 OR 3.5% of the total payment amount, whichever is higher (plus applicable SST). This fee strictly covers third-party payment processing charges and administrative overhead.

• Exception: This Cooling-Off Period does not apply if the Participant enrolls less than 21 working days before the Program Start Date. In such cases, the Cancellation Policy in Clause 6.3 applies immediately upon payment.

6.2 The Non-Refundable Earnest Deposit
The Participant acknowledges that MYR 1,500 of the Program Fee is allocated as a Non-Refundable Earnest Deposit, regardless of whether a separate deposit invoice was issued or if the fee was paid in full.

• Justification: The Earnest Deposit represents a genuine pre-estimate of NaviGo’s administrative costs, intellectual property licensing fees (Society of NLP®), and the opportunity cost of reserving a limited seat that could have been sold to another participant.
• Forfeiture: In the event of cancellation (outside the Cooling-Off Period), the Earnest Deposit is fully forfeited to NaviGo.

6.3 Cancellation Policy

• Cancellation > 21 days before Start: NaviGo will refund fees paid minus the Earnest Deposit (MYR 1,500).
• Cancellation < 21 days before Start: Strictly No Cash Refunds. The Participant’s sole remedy is to request a Credit Transfer (see Clause 6.5).

6.4 Failure to Attend (“No-Show”) & Late Notice
If a Participant fails to attend the Program without providing written notice at least twenty-four (24) hours prior to the official start time:

1. The seat is considered fully utilized by virtue of being held open for the Participant; and
2. 100% of fees paid are forfeited. No credit or refund will be given.
3. Any notice received less than 24 hours before the start time shall be deemed invalid and treated as a “No-Show” under this clause.

6.5 Credit Transfer Option
Where a refund is not available under Clause 6.3, or where a Participant voluntarily elects to defer their participation, NaviGo may grant a Program Credit for the amount paid.

• (a) Validity: The Credit validity aligns with the Program Validity Period defined in Clause 4.3 (i.e., 18 months for Single/Dual programs and 24 months for Triple Bundles) calculated from the original payment date.
• (b) Usage: The Credit is strictly non-transferable to other program levels. It may only be used to attend a future intake of the same specific Program (e.g., a credit for “Level 1” is valid only for a future “Level 1” intake).
• (c) Irrevocable & Non-Refundable: Once a Program Fee has been converted into a Program Credit, it is considered fully redeemed against the creation of the Credit. Credits have no cash surrender value and cannot be reversed, refunded, or exchanged for cash, even if the Participant subsequently decides not to attend any future Program.
• (d) Price Adjustments: If the Program Fee increases during the credit validity period, the Participant must pay the difference (top-up) between their original payment and the prevailing Program Fee at the time of re-enrolment.
• (e) Expiration: The Credit expires immediately if not fully utilized within 18 months.

6.6 Medical Exception
In cases of hospitalization or immediate family bereavement (with written proof), NaviGo will waive forfeiture and grant a 100% Credit Transfer to the next intake, regardless of when the cancellation occurs.

7. CONFIDENTIALITY AND INTELLECTUAL PROPERTY

7.1 Intellectual Property
All training manuals, slides, recordings, and methodologies provided by NaviGo are the intellectual property of NaviGo or its licensors (e.g., The Society of NLP®). The Participant is granted a personal license to use these for their own learning but may not copy, distribute, or use them to teach their own certification courses without written license.

7.2 Mutual Confidentiality
The parties agree that sensitive information shared during the training (whether NaviGo’s trade secrets or the Participant’s personal/coaching experiences) shall be kept strictly confidential and not disclosed to third parties, except as required by law.

7.3 Prohibition of Recording & AI Capture
To maintain a “Safe Space” for open dialogue and to protect the privacy of all participants:

• (a) Personal Recording: We ask that Participants respect the confidentiality of the room by refraining from making any personal audio, video, or photographic recordings of the sessions, live demonstrations, or other participants.
• (b) AI & Transcription Tools: To ensure uninhibited sharing, the use of automated transcription devices, AI note-takers (e.g., Plaud, Otter.ai), or wearable recording technology is not permitted during the sessions.
• (c) Community Integrity: To ensure a safe space for vulnerable sharing, we rely on the integrity of our Participants to respect the privacy of the room. If a recording device is actively used, the Trainer will simply request that it be turned off and any sensitive recordings deleted. We thank you in advance for your cooperation in protecting your fellow participants.

7.4 Company Media Rights (PDPA Compliance)
In compliance with the Personal Data Protection Act 2010 (PDPA), the Participant grants NaviGo the right to capture photographs, video, and audio of the Program for internal records and marketing purposes.

• (a) Ownership: All footage and recordings created by NaviGo remain the sole intellectual property and copyright of NaviGo.
• (b) Audio Privacy: NaviGo agrees that no audio recordings of the Participant (whether standalone or within a video clip) will be used for marketing, social media, or public promotional materials without the Participant’s specific prior permission.
• (c) Visuals & Atmosphere: NaviGo may use photographs, 360° captures, and visual-only (silent or music-overlaid) video footage to showcase the training environment and atmosphere.

8. LIMITATION OF LIABILITY

8.1 No Guarantee of Results
NaviGo provides training and coaching services only. We do not guarantee specific financial, career, or personal results. The Participant is solely responsible for their own decisions and actions taken following the training.

8.2 Liability Cap
To the fullest extent permitted by Malaysian law, NaviGo’s total liability for any claim arising out of this Agreement shall be limited to the total fees actually paid by the Participant for the specific Program giving rise to the claim.

8.3 Exclusions
NaviGo shall not be liable for indirect or consequential losses (e.g., loss of profit, loss of business opportunities). Nothing in this Agreement excludes liability for death or personal injury caused by NaviGo’s negligence.

8.4 Disclaimer of Professional Advice & Personal Responsibility
The Participant acknowledges that during the Program, trainers and facilitators may share personal experiences, anecdotes, and lifestyle practices (including but not limited to health regimes, fitness routines, dietary habits, and financial perspectives) for educational and illustrative purposes only.

• (a) Not Professional Advice: The Participant agrees that such sharing does not constitute medical, psychological, financial, or legal advice. NaviGo and its trainers are not acting as physicians, licensed dietitians, financial advisors, or psychotherapists.
• (b) Due Diligence: The Participant is solely responsible for their own well-being and due diligence. Before implementing any diet, exercise, financial strategy, or life change discussed in the Program, the Participant agrees to consult with their own qualified professionals.
• (c) Assumption of Risk: The Participant acknowledges that any decisions or actions they take based on the content of the Program or the personal experiences shared by trainers are taken at their own risk. NaviGo expressly disclaims all liability for any health complications, financial losses, or life outcomes resulting from the Participant’s reliance on such information.

9. GENERAL PROVISIONS

9.1 Force Majeure & Trainer Incapacity
NaviGo is not liable for failure to perform due to causes beyond reasonable control (e.g., natural disasters, pandemics, government restrictions, loss or revocation of licensing rights from the Society of NLP®, or the medical incapacitation of the lead Trainer). In such cases, the Program may be rescheduled or moved online.

9.2 Governing Law
This Agreement is governed by the laws of Malaysia. The courts of Malaysia shall have exclusive jurisdiction over any disputes.

9.3 Entire Agreement
This Agreement, together with the specific Program Enrollment Form and Payment Schedule, constitutes the entire agreement between the parties.