Terms of Service
Last Updated: February 2025
These Terms of Service govern your use of Quantumlledget's website and financial education services. By accessing or using our services, you agree to be bound by these terms and our Privacy Policy.
1. Definitions
"Company," "we," "us," "our" refers to Quantumlledget, a financial education provider based in Singapore.
"Services" refers to our portfolio analysis, investment workshops, personal finance mentorship, and related educational programs.
"User," "you," "your" means any person accessing our website or using our services.
"Content" includes all text, images, software, and materials provided through our services.
"Agreement" refers to these Terms of Service and any additional terms specific to particular services.
2. Use of Services
Eligibility and Requirements
- Services are provided for professional and educational use only
- Users must be at least 18 years old or have legal guardian consent
- Account registration may be required for certain services
- Users are responsible for maintaining account confidentiality
- Accurate and complete information must be provided during registration
Service Scope
- Educational services are provided for informational purposes only
- We do not provide personalized investment advice or recommendations
- Services do not constitute financial planning or advisory services
- All investment decisions remain solely your responsibility
- Portfolio analysis tools are educational resources, not investment guidance
User Responsibilities
- Comply with all applicable laws and regulations
- Use services only for legitimate educational purposes
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized access
- Provide accurate information for service delivery
3. Prohibited Activities
Users may not engage in any of the following activities:
Legal and Ethical Violations
- • Violate any applicable laws or regulations
- • Infringe on intellectual property rights
- • Engage in fraudulent or deceptive practices
- • Harass, threaten, or harm other users
- • Distribute illegal or harmful content
Technical Misuse
- • Transmit viruses, malware, or harmful code
- • Attempt unauthorized access to systems
- • Interfere with service operation or security
- • Reverse engineer or copy our software
- • Use automated tools to access services
Commercial Restrictions
- • Resell or redistribute our services
- • Use services for commercial gain without authorization
- • Share account access with unauthorized parties
- • Extract data for competitive purposes
- • Create derivative works from our content
Content Violations
- • Post false or misleading information
- • Share confidential or proprietary data
- • Upload content that violates privacy rights
- • Distribute spam or unsolicited communications
- • Impersonate other individuals or entities
4. Intellectual Property Rights
Our Intellectual Property
- All content, software, and materials remain the property of Quantumlledget
- Limited license granted for personal educational use only
- No reproduction or distribution without written permission
- Trademarks and service marks are protected intellectual property
- Proprietary algorithms and methodologies are confidential
User-Generated Content
- You retain ownership of content you submit to us
- You grant us a license to use submitted content for service delivery
- You warrant that submitted content does not infringe third-party rights
- We may remove content that violates these terms
- You remain responsible for the accuracy of submitted information
Third-Party Content
We acknowledge and respect third-party intellectual property rights. Market data, research reports, and external content are used under appropriate licenses and are subject to their respective terms of use.
5. Payment and Billing Terms
Payment Processing
- • All prices are in Singapore Dollars (SGD)
- • Payment due in full before service delivery
- • We accept major credit cards and bank transfers
- • Payment processing handled by secure third parties
- • Receipts and invoices provided electronically
Refund Policy
- • Portfolio Analysis: 14-day money-back option
- • Workshops: Refund available up to 7 days before start
- • Mentorship: Pro-rated refunds for early termination
- • Refunds processed within 14 business days
- • Bank fees and charges not refundable
Late Payment and Collections
Overdue accounts may be subject to service suspension and collection activities. Late fees may apply for payments more than 30 days overdue.
6. Disclaimers and Limitations
Service Disclaimers
- Services provided "as is" without warranties of any kind
- No assurance of specific investment outcomes or performance
- Educational content may not reflect current market conditions
- Past performance examples do not predict future results
- Market analysis subject to inherent uncertainties and limitations
Limitation of Liability
Our total liability for any claims related to our services is limited to the amount paid for the specific service in question.
We are not liable for indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Investment losses or missed opportunities
- Business interruption or lost profits
- Data loss or system downtime
- Third-party service failures
- Market volatility impacts
User Risk Assumption
You acknowledge that investment decisions carry inherent risks and that you assume full responsibility for any financial decisions made based on information learned through our services.
7. Termination
Termination by You
- • Cancel services with appropriate notice period
- • Request account closure and data deletion
- • Refunds subject to service-specific policies
- • Access may continue until end of paid period
Termination by Us
- • Immediate termination for violations of terms
- • 30-day notice for service discontinuation
- • Suspension for non-payment or security issues
- • Pro-rated refunds for early termination by us
Effects of Termination
- Immediate cessation of service access and support
- Data retention according to our Privacy Policy
- Survival of payment obligations and intellectual property provisions
- Return or destruction of confidential materials
8. Dispute Resolution
Resolution Process
- Informal Resolution: Contact us directly to attempt resolution through good faith discussion
- Mediation: If informal resolution fails, disputes may be submitted to mediation
- Arbitration: Binding arbitration as final resolution method if mediation unsuccessful
Governing Law and Jurisdiction
- These terms are governed by Singapore law
- Disputes subject to Singapore jurisdiction and courts
- Arbitration conducted under Singapore International Arbitration Centre rules
- English language governs interpretation of terms
Contact for Disputes
Email: [email protected]
Phone: +65 6238 4927
Address: 8 Marina Boulevard, Marina Bay Financial Centre, Singapore 018981
9. General Provisions
Entire Agreement
These Terms of Service, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Quantumlledget regarding use of our services.
Modifications
- We reserve the right to modify these terms at any time
- Material changes will be communicated through website notifications
- Continued use of services after changes constitutes acceptance
- Previous versions archived and available upon request
Severability and Waiver
If any provision of these terms is found unenforceable, the remaining provisions continue in effect. Our failure to enforce any provision does not constitute a waiver of that provision or any other rights.
Assignment
You may not assign or transfer your rights under these terms without our written consent. We may assign these terms to affiliates or in connection with business transfers.
Contact Information
For questions about these Terms of Service:
Email: [email protected]
Phone: +65 6238 4927
Address: Quantumlledget, 8 Marina Boulevard, Marina Bay Financial Centre, Singapore 018981