These terms of use (“Terms”) apply to the use of www.michelleteo.sg (“Website”), which is owned and operated by Michelle Teo. The Website provides general financial information and does not provide specific financial advice. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Website.
1. Purpose of the Website
- The Website is intended to provide general information about financial planning and to educate visitors about financial concepts and strategies. The information provided on the Website is for informational purposes only and should not be relied upon as financial advice. The Website is not intended to provide investment, tax, or legal advice.
2. No Professional Advice
- The information provided on the Website is not intended to be, and should not be construed as, professional financial advice. The Website is not a substitute for the advice of a qualified financial advisor and should not be relied upon as such. Michelle Teo does not provide financial advice through the Website and will not be liable for any damages or losses arising from the use of information provided on the Website.
3. Accuracy of Information
- While Michelle Teo makes every effort to ensure that the information provided on the Website is accurate and up-to-date, Michelle Teo makes no warranties or representations as to the accuracy, completeness, or timeliness of the information. Michelle Teo assumes no liability for errors or omissions in the information provided on the Website.
4. No Endorsements
- The Website may contain links to third-party websites, products, or services. These links are provided for your convenience and do not constitute an endorsement by Michelle Teo of the third-party website, product, or service. Michelle Teo is not responsible for the content or privacy practices of third-party websites and does not make any representations or warranties about the accuracy or completeness of the information on such websites.
5. Limitation of Liability
- Michelle Teo shall not be liable for any damages or losses arising from the use of the Website or the information provided on the Website. Michelle Teo shall not be liable for any direct, indirect, incidental, special, or consequential damages, including but not limited to loss of profits, data, or use, resulting from the use of the Website or the information provided on the Website.
6. Changes to the Terms
- Michelle Teo reserves the right to change these Terms at any time. Your continued use of the Website following any changes to these Terms constitutes your acceptance of such changes.
7. Governing Law
- These Terms shall be governed by and construed in accordance with the laws of Singapore.
8. Resolution of Disputes
- Any dispute arising from or in connection with your use of the Website or the products purchased through it shall be submitted to confidential arbitration in Singapore. However, in the event that you have infringed or threatened to infringe on Michelle Teo's intellectual property rights, Michelle Teo may seek an injunction or other relevant relief in any state, and you agree to exclusive jurisdiction and venue in such courts. The arbitration will be carried out according to the rules of the Singapore International Arbitration Centre at the time of the dispute. The arbitrator's decision will be final and binding and may be entered as a judgment in any court with competent jurisdiction. To the fullest extent allowed by law, no arbitration under these Terms shall be combined with arbitration involving any other party governed by these Terms, whether through class arbitration proceedings or otherwise.
9. Site Policies, Modification, and Severability
- Site Policies - By accessing or using the Website, you agree to comply with all policies posted on the Website, including without limitation the Privacy Policy. We reserve the right to make changes to our policies and these Terms at any time without notice to you. Your continued use of the Website following any changes to our policies or Terms constitutes your acceptance of such changes.
- Modification - Michelle Teo reserves the right to modify, suspend, or discontinue the Website or any portion thereof at any time without notice to you. Michelle Teo shall not be liable to you or any third party for any such modification, suspension, or discontinuance.
- Severability - If any provision of these Terms is found to be invalid or unenforceable, such provision shall be severed from these Terms and the remaining provisions shall remain in full force and effect. The failure of Michelle Teo to enforce any right or provision in these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Michelle Teo in writing.
10. Contact Information
- If you have any questions or concerns about these Terms, please contact the Michelle Teo at +65 8877 8355.