Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using the HenteBromo website (hentebromo.com) or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our services.

2. Description of Services

HenteBromo provides financial literacy education services including:

• Online educational courses and materials
• Financial planning resources and tools
• Webinars and educational workshops
• Blog articles and educational content
• Personal financial consultations
• Corporate training programs

3. Eligibility and Registration

3.1 Age Requirements

You must be at least 18 years old to use our services. If you are under 18, you may only use our services under the supervision of a parent or legal guardian who agrees to these Terms.

3.2 Account Registration

To access certain services, you may need to create an account. You agree to:

• Provide accurate, complete, and current information
• Maintain and update your account information
• Keep your account credentials confidential
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities under your account

4. Educational Nature of Services

4.1 No Financial Advice

HenteBromo provides general financial education and information. We do not:

• Provide personalized investment advice
• Recommend specific financial products
• Offer insurance or investment sales
• Guarantee financial results or outcomes
• Act as a licensed financial advisor unless explicitly stated

4.2 Singapore Focus

Our content is primarily designed for residents of Singapore and may not be applicable to other jurisdictions. Users from other countries should verify the relevance and legality of our content in their jurisdiction.

5. User Conduct and Prohibited Uses

You agree to use our services responsibly and not to:

• Violate any applicable laws or regulations
• Share or distribute copyrighted content without permission
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our services
• Upload malicious software or harmful code
• Harass, threaten, or intimidate other users or staff
• Use our services for spam or unsolicited marketing
• Impersonate others or provide false information
• Resell or redistribute our content without authorization

6. Intellectual Property Rights

6.1 Our Content

All content on our website and in our services, including text, graphics, logos, images, videos, and software, is owned by HenteBromo or our licensors and is protected by Singapore and international copyright laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes, subject to these Terms.

6.3 User-Generated Content

By submitting content to our services (comments, reviews, etc.), you grant us a worldwide, royalty-free license to use, modify, and display such content in connection with our services.

7. Payment Terms

7.1 Course Fees

Some services require payment. All fees are stated in Singapore Dollars (SGD) and include applicable GST unless otherwise specified.

7.2 Refund Policy

• Course Refunds: Full refund available within 7 days of purchase if less than 25% of course content has been accessed
• Consultation Refunds: Refunds available up to 24 hours before scheduled consultation
• Corporate Training: Custom refund terms as specified in service agreements

7.3 Payment Processing

Payments are processed by third-party payment providers. You agree to their terms and conditions. We do not store your complete payment information.

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 by reference.

9. Disclaimers and Limitations of Liability

9.1 Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. We may temporarily suspend services for maintenance, updates, or other operational reasons.

9.2 Content Accuracy

While we strive for accuracy, we make no warranties about the completeness, accuracy, or timeliness of our content. Financial laws and regulations change frequently, and information may become outdated.

9.3 Limitation of Liability

To the maximum extent permitted by Singapore law, HenteBromo shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or business opportunities
• Financial losses resulting from your use of our educational content
• Damages resulting from unauthorized access to your account

Our total liability shall not exceed the amount you paid for our services in the 12 months preceding the claim.

10. Indemnification

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

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to our services

11. Termination

11.1 Termination by You

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

11.2 Termination by Us

We may terminate or suspend your access to our services immediately if you:

• Violate these Terms
• Engage in fraudulent or illegal activities
• Fail to pay fees when due
• Misuse our services or content

11.3 Effect of Termination

Upon termination, your right to use our services ceases immediately. We may delete your account and associated data, subject to legal retention requirements.

12. Modifications to Services and Terms

12.1 Service Changes

We reserve the right to modify, suspend, or discontinue our services at any time with reasonable notice to users.

12.2 Terms Updates

We may update these Terms periodically. We will notify users of material changes via email or website notice. Continued use of our services after changes constitutes acceptance of the new Terms.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of Singapore, without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through:

1. Direct Resolution: Good faith negotiations between the parties
2. Mediation: Mediation through the Singapore Mediation Centre
3. Arbitration: Final binding arbitration under Singapore Arbitration Rules

13.3 Jurisdiction

The Singapore courts shall have exclusive jurisdiction over any matters not resolved through arbitration.

14. Regulatory Compliance

HenteBromo operates in compliance with Singapore regulations, including:

• Personal Data Protection Act (PDPA) 2012
• Consumer Protection (Fair Trading) Act
• Electronic Transactions Act
• Goods and Services Tax Act (for applicable services)

15. Third-Party Services

Our website may contain links to third-party websites or integrate with third-party services. We are not responsible for the content, privacy practices, or terms of service of third parties.

16. Force Majeure

We shall not be liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, pandemics, or technical failures.

17. Severability

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

18. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms for specific services, constitute the entire agreement between you and HenteBromo regarding your use of our services.

19. Contact Information

20. Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. You also acknowledge that these Terms may be updated from time to time and agree to review them periodically.