Terms of Service
These Terms of Service govern your use of Finstoraz's financial education platform and services. Please read them carefully before using our services.
1. Acceptance of Terms
By accessing and using Finstoraz's website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
These terms apply to all visitors, users, and others who access or use our financial education platform.
2. Description of Services
Finstoraz provides online financial education services, including but not limited to:
- Financial literacy courses and training programs
- Investment strategy education
- Budget management and personal finance training
- Debt management and financial planning courses
- Retirement planning and tax planning education
- Educational resources and materials
- Instructor consultation and support services
Our services are designed to provide educational content and do not constitute financial advice, investment recommendations, or professional financial planning services.
3. User Eligibility and Registration
To use our services, you must:
- Be at least 18 years old
- Have the legal capacity to enter into agreements
- Provide accurate and complete information when contacting us
- Comply with all applicable laws and regulations
We reserve the right to refuse service to anyone for any reason at our sole discretion.
4. Course Enrollment and Payment
Course enrollment is subject to the following terms:
- Course availability and capacity
- Completion of required enrollment procedures
- Payment of applicable course fees
- Compliance with course prerequisites and requirements
Course fees are non-refundable except as specified in our refund policy. We reserve the right to modify course content, schedules, and pricing with reasonable notice.
5. Intellectual Property Rights
All content, materials, and intellectual property on our platform, including but not limited to:
- Course materials and curriculum
- Text, graphics, images, and videos
- Software and technology
- Trademarks and logos
- Course structure and methodology
Are owned by Finstoraz or our licensors and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.
6. User Conduct and Responsibilities
When using our services, you agree to:
- Use the services only for lawful purposes
- Respect intellectual property rights
- Provide accurate and truthful information
- Maintain the confidentiality of your account information
- Not interfere with or disrupt our services
- Not attempt to gain unauthorized access to our systems
- Not use our services for commercial purposes without permission
Violation of these terms may result in termination of your access to our services.
7. Disclaimers and Limitations of Liability
Educational Content Disclaimer: Our courses provide educational information only and do not constitute financial advice, investment recommendations, or professional financial planning services. You should consult with qualified professionals for personalized financial advice.
No Guarantee of Results: We do not guarantee specific financial outcomes or results from our courses. Your financial success depends on various factors including your individual circumstances, market conditions, and personal decisions.
Service Availability: We strive to maintain high service availability but do not guarantee uninterrupted access to our platform. We may temporarily suspend services for maintenance or technical issues.
Limitation of Liability: To the maximum extent permitted by law, Finstoraz shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
8. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.
By using our services, you consent to our collection and use of your information as described in our Privacy Policy.
9. Third-Party Services and Links
Our platform may contain links to third-party websites, services, or resources. We do not endorse or control these third-party services and are not responsible for their content, privacy policies, or practices.
Your use of third-party services is at your own risk and subject to their respective terms of service and privacy policies.
10. Termination and Suspension
We may terminate or suspend your access to our services at any time, with or without cause, including but not limited to:
- Violation of these Terms of Service
- Fraudulent or illegal activity
- Non-payment of course fees
- Disruption of our services
- At our sole discretion for any other reason
Upon termination, your right to use our services will cease immediately, and we may delete your account and related data.
11. Modifications to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any modifications constitutes acceptance of the updated terms.
We will notify you of any material changes by posting a notice on our website or sending you an email notification.
12. Governing Law and Dispute Resolution
These Terms of Service are governed by and construed in accordance with the laws of Singapore. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of Singapore.
In the event of any dispute, we encourage you to contact us first to attempt to resolve the issue amicably.
13. Severability
If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these terms will otherwise remain in full force and effect.
14. Entire Agreement
These Terms of Service, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Finstoraz regarding your use of our services.
No other agreements, representations, or warranties, whether oral or written, will be binding unless they are in writing and signed by an authorized representative of Finstoraz.
15. Contact Information
If you have any questions about these Terms of Service, please contact us:
We will respond to your inquiry within 30 days of receipt.
16. Compliance with Singapore Laws
These Terms of Service are designed to comply with applicable Singapore laws and regulations, including but not limited to:
- Personal Data Protection Act (PDPA)
- Consumer Protection Laws
- Electronic Transactions Act
- Other relevant financial and educational regulations
We are committed to operating in compliance with all applicable laws and regulations.
Questions About Our Terms?
If you have any questions about these Terms of Service or need clarification on any provision, please don't hesitate to contact our team.