Terms of Use, Disclaimer & Privacy Policy

1. General Terms & Definitions

This OneStopFinancialSG Terms of Service and Subscription Agreement constitutes an agreement between you (Subscriber, user, or customer) and us (OneStopFinancialSG) and sets forth the terms and conditions that apply to your access and use of our OneStopFinancialSG Service, Website and Applications.

For the content which is created on the OneStopFinancialSG platform

The information provided on our platform (the "Information") is

• intended for general circulation in Singapore and
• not intended for general circulation outside of Singapore.

The Information does not constitute an offer or solicitation to buy or sell any investment product(s). It does not take into account the specific investment objectives, financial situation or particular needs of any person. Investors should seek advice from a financial adviser before investing in any investment products or adopting any investment strategies. In the event that the investor chooses not to seek advice from a financial adviser, he/she should consider whether the product in question is suitable for him/her. The investment product(s) discussed herein or within the Information are subject to significant investment risks, including the possible loss of the principal amount invested. Any examples provided are for illustrative purposes only. Past performance of investment products is not necessarily a guide to future performance. OneStopFinancialSG and its affiliates may deal in investment products in the usual course of their business and may at any given time be on the opposite side of trades by investors and market participants. Any statements or information expressed by other organisations are of the respective authors. OneStopFinancialSG and its affiliates make no warranty as to the accuracy, completeness, merchantability or fitness for any purpose, of the Information or as to the results obtained by any person from the use of any Information or investment product(s) mentioned within the Information.

OneStopFinancialSG undertakes no responsibility to update the Information. OneStopFinancialSG reserves the right to make changes to the Information from time to time. In no event shall the Information, its contents, or any change, omission or error in the Information form the basis for any claim, demand or cause of action against OneStopFinancialSG and/or any of its affiliates and OneStopFinancialSG and/or its affiliates expressly disclaim liability for the same. In the event that the Information or any part thereof is recirculated, transmitted or otherwise distributed in any format to any other person by a recipient, such recipient will have the full responsibility to ensure that such recirculation, transmission or distribution complies with all applicable laws, rules, regulations and directives in all the relevant jurisdictions. OneStopFinancialSG and its affiliates hereby disclaim all responsibility and liability arising in connection with such recirculation, transmission or distribution.

Definitions

2. About These Terms

Access to and use of our Websites and/or Service is governed by this Agreement, our Disclaimer, and our Privacy Statement, which explains how we handle and protect your data and information.

Please read this Agreement, Disclaimer and our Privacy Statement carefully. These documents set out the terms and conditions that apply to our Service, Websites and Applications, including how personal data is collected, used and protected. If you do not wish to use our Service, Websites or Applications on these terms, you may choose not to do so. Where you register for or subscribe to the Service, you will be asked to confirm that you have read and agree to these terms. If you register or subscribe on behalf of a company or entity, you represent that you have the authority to bind that entity.

3. Personal Data Protection Act (PDPA)

OneStopFinancialSG is subject to and complies with the Singapore Personal Data Protection Act 2012 ("PDPA").

The PDPA establishes a general data protection law in Singapore which governs the collection, use and disclosure of individuals' personal data by organisations. We undertake to protect your personal data in accordance with the PDPA.

4. Description of the Service

OneStopFinancialSG is a financial education service. We provide such services via our various platforms. We aggregate the financial information that you provide us or otherwise authorize us to have access to, process the information into an aggregated portfolio and report it on a user-only restricted access area on our Website, Applications and/or our other platforms.

5. Registration and Subscription Fee

There is currently no prescribed registration and subscription fee for the usage of the OneStopFinancialSG website and/or applications.

6. Terms & Termination

Modification of Terms

We may revise the terms of this Agreement from time to time and the most current version will always be posted on the Website or made available through our various platforms. If the revision, is material, we will notify you by e-mail, through any one of the platforms or via other means of communication. That said, you are responsible for checking the terms of this Agreement regularly. By continuing to access or use the Service after revisions become effective, you agree to be bound by the revised terms. If you do not agree to the revised terms, you may cancel your subscription by sending us a request via the message function in the OneStopFinancialSG Website user area.

7. Your Obligations

No Financial Advice

You understand and agree that the reports, analyses and other content provided to you by the Service is solely for your own general information purposes and does not constitute financial advice and may not be used by you to make financial or investment decisions, which should be based on your own independent research and analysis. OneStopFinancialSG makes no investment recommendations and offers to subscribe to or for any investment products.

For the avoidance of doubt, information, reviews, comments and/or any statements made on any of our platforms are not intended to constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied on by you in making (or choosing not to make) any specific investment or any other financial decision. Given that the impact and applicability of any views, opinions, comments or other statements made on our platforms vary widely based on your particular circumstances and the particular circumstances of those of other members of the community, you should always carry out your own research into any products or opportunities that are of interest to you.

8. Ownership and Rights

(a) Your Personal Data

Personal data you provide to us, including financial information, is collected, used, disclosed and retained in accordance with our Privacy Policy and the SG Alliance Privacy Policy. We keep your personal data only for as long as it is needed for the purposes for which it was collected, or as required for business or legal purposes. Once it is no longer required, we will destroy, delete or anonymise the data. You may withdraw consent or request access to or correction of your personal data as described in those policies.

(b) OneStopFinancialSG's Intellectual Property

(i) The technology and contents of the Service, including, but not limited to, the "look and feel" (such as text, graphics, images, illustrations, logos, button icons) of our Websites, Applications and all other material, Meta Data, photographs, videos, tutorials, editorial content, notices, software and other content, are the property of OneStopFinancialSG (and/or its licensors), which is protected by copyright law of Singapore and international treaties, trademark, patent laws and/or all other intellectual property laws, as may be applicable.

(ii) As part of the Service, OneStopFinancialSG grants you a non-exclusive, limited, royalty-free, revocable license, during the term of this Agreement, to use our Websites and Applications to facilitate your personal, non-commercial use of the Service.

(iii) You acknowledge and agree that OneStopFinancialSG, One-Stop Financial, the OneStopFinancialSG logo, One-Stop Financial logo, OneStopFinancialSG images and the One-Stop Financial images are our trademarks and/or service marks and may not be used by you without our prior written consent.

(iv) Any distribution, reprint or electronic reproduction of any content from the Service, in whole or in part, is strictly prohibited without our prior written consent.

(v) Any reviews, comments or statements uploaded by you onto our website or any of our platforms shall be intended solely for the purpose of responsibly informing other users and members of our platform of your opinion of the financial services and/or products that are the subject of the review. Upon upload, any of your reviews shall be deemed to be the intellectual property of OneStopFinancialSG and by uploading such reviews you warrant that you own the copyright of any content uploaded and thus have the requisite right to transfer and/or assign the same to us. We may use such reviews in whole or in part at our sole discretion (e.g. for marketing, promotion or improvement of our service) on our website or our platform or such social media platforms, newsletters, special promotions, apps or other channels owned, hosted, used or controlled by us and our business partners. We reserve the right to adjust, amend, refuse or remove reviews at our sole discretion. OneStopFinancialSG will not accept reviews:

• Include profanity, hate speech, threats of violence or personal attacks.
• Are sexually explicit or discriminatory.
• Promote illegal activities (e.g. drugs, prostitution).
• Contain full names or other personal information such as email addresses, residential addresses or phone numbers.
• Contain politically sensitive comments.

9. Indemnity

You indemnify us against all costs, losses and damages arising from your breach of any of the Agreement and any other obligation you may have to Us.

10. Service "As Is"

Our Service is provided to you on an "as is" basis and, to the fullest extent permissible by law, we make no express or implied warranty as to the accuracy, timeliness, availability or uninterrupted use of the Service. You hereby acknowledge that your use of the services is at your sole risk. Whilst we will use reasonable commercial efforts to ensure that all personal data you provide is accurately captured, extracted and/or entered into our system, we do not guarantee the accuracy, integrity or quality of this process or any reports and/or analysis generated by OneStopFinancialSG. You are responsible for reviewing and verifying all such reports and/or analysis and promptly informing us of any errors noted. Subject to that, we will take steps to investigate and rectify any confirmed errors as soon as reasonably practicable following receipt your notification.

11. Limitation of Liability

(a) To the maximum extent permitted by law, we will not be liable to you for any loss (including loss of information, data, revenues, profits or savings) or damage resulting, directly or indirectly, from any use of, or reliance on the Service. You assume sole responsibility for results obtained from the use of the Service and the conclusions drawn from such use.

(b) Without limiting clause 11(a), if you suffer loss or damage as a result of our negligence or failure to comply with our obligations under this Agreement, any claim by you against us relating to this Agreement, whether in contract, tort or otherwise, will in any event not exceed in the aggregate of fifty Singapore dollars (S$50).

12. Third-Party Web Sites, Content, Products and/or Services

The Services may enable you to link to the websites and to access the content, products and/or services of third parties, including users, advertisers, affiliates and sponsors of such third parties. We have no control over and are not responsible for any such third-party websites or content, products or services and you agree to bear all risks associated with your access to and/or use of any such third-party websites, content, products and services.