Terms of Service

Last Updated: December 15, 2024

Effective Date: December 15, 2024

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and DiPasriNeg Pte Ltd ("DiPasriNeg," "we," "our," or "us") regarding your use of our website, services, and educational content. By accessing or using our services, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our services. These Terms apply to all users, including students, educators, parents, and institutional partners.

2. Description of Services

DiPasriNeg provides financial literacy education services specifically designed for Singapore youth, including:

• Online educational content and resources
• Financial literacy courses and workshops
• Investment education and guidance
• CPF planning assistance
• Budgeting and savings strategies
• Newsletter and market insights
• One-on-one consultations
• Institutional partnerships and curriculum development

3. Eligibility and Account Registration

3.1 Age Requirements

• Our services are primarily designed for users aged 13 and above
• Users under 18 should have parental guidance and consent
• Users under 13 require explicit parental consent and supervision

3.2 Account Accuracy

• You must provide accurate, current, and complete information
• You are responsible for maintaining the confidentiality of your account
• You must notify us immediately of any unauthorized access
• You are responsible for all activities under your account

4. Educational Nature of Services

4.1 Educational Purpose Only

Our services are strictly educational and informational. We provide:

• General financial literacy education
• Information about Singapore's financial systems
• Educational content about investment principles
• Guidance on budgeting and money management

4.2 Not Financial Advice

Important: DiPasriNeg does not provide personalized financial advice, investment recommendations, or professional financial planning services. Our content is for educational purposes only and should not be considered as:

• Investment advice or recommendations
• Professional financial planning
• Tax or legal advice
• Specific product endorsements
• Guaranteed investment returns or outcomes

5. User Responsibilities and Conduct

5.1 Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Use our services for commercial purposes without permission
• Share your account credentials with others
• Engage in spam, harassment, or abusive behavior

5.2 Content Contributions

If you submit content (comments, questions, feedback), you grant us a non-exclusive, worldwide, royalty-free license to use, modify, and display such content for educational purposes.

6. Intellectual Property Rights

6.1 Our Content

All content on our platform, including but not limited to:

• Text, graphics, logos, images, and videos
• Course materials and educational resources
• Software and website functionality
• Trademarks and service marks

are owned by DiPasriNeg or our licensors and are protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, educational purposes only. You may not:

• Reproduce, distribute, or sell our content
• Create derivative works without permission
• Remove copyright or proprietary notices
• Use our content for commercial purposes

7. Payment Terms

7.1 Pricing

• Many of our basic resources are provided free of charge
• Premium services and personalized consultations may require payment
• Prices are listed in Singapore Dollars (SGD) and include applicable taxes
• We reserve the right to change pricing with 30 days' notice

7.2 Payment Processing

• Payments are processed by trusted third-party providers
• You authorize us to charge your chosen payment method
• All sales are final unless otherwise specified
• Refunds are provided according to our refund policy

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our Privacy Policy.

9. Disclaimers and Limitations

9.1 Educational Disclaimers

• Past performance does not guarantee future results
• All investments carry risk of loss
• Market conditions can change rapidly
• Individual results may vary
• Always consult qualified professionals for personalized advice

9.2 Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We may suspend services for maintenance, updates, or technical issues.

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DIPASRINEG SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, or consequential damages
• Financial losses resulting from educational content
• Investment decisions made based on our materials
• Technical issues or service interruptions
• Third-party actions or content

10. Indemnification

You agree to indemnify and hold harmless DiPasriNeg, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Your financial decisions or investments

11. Termination

11.1 By You

You may terminate your account at any time by contacting us or using account deletion features.

11.2 By Us

We may suspend or terminate your access if you:

• Violate these Terms
• Engage in harmful or abusive behavior
• Provide false information
• Fail to pay applicable fees

11.3 Effect of Termination

Upon termination, your right to use our services ceases immediately. Sections that should survive termination (including disclaimers, limitations, and intellectual property provisions) will remain in effect.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of Singapore. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of Singapore courts.

13. Dispute Resolution

13.1 Informal Resolution

Before pursuing formal legal action, we encourage you to contact us to resolve any disputes informally.

13.2 Mediation

If informal resolution fails, disputes may be resolved through mediation under the Singapore Mediation Centre rules.

13.3 Arbitration

For disputes exceeding SGD 10,000, arbitration may be required under the Singapore International Arbitration Centre (SIAC) rules.

14. Changes to Terms

We may modify these Terms periodically. When we make changes:

• We will post the updated Terms on our website
• We will update the "Last Updated" date
• For material changes, we will provide 30 days' notice
• Continued use after changes constitutes acceptance

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and DiPasriNeg regarding your use of our services.

17. Contact Information

For questions about these Terms, please contact us:

18. Acknowledgment

By using our services, you acknowledge that:

• You have read and understood these Terms
• You agree to be bound by these Terms
• You understand the educational nature of our services
• You will seek professional advice for personal financial decisions
• You use our services at your own risk