Terms of Service

1. Acceptance of Terms

Welcome to AmuosCart. These Terms of Service ("Terms") govern your use of our website amuoscart.com and our financial education services. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use our services.

2. About Our Services

AmuosCart provides financial education and information services specifically tailored for Singapore residents. Our services include:

• Educational content about financial management
• Information about CPF, investments, and retirement planning
• Blog articles and newsletters
• General financial guidance and resources

3. User Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information when required
• Comply with all applicable laws and regulations

4. User Accounts and Registration

Some features of our services may require account registration. When creating an account, you agree to:

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

5. Acceptable Use

When using our services, you agree not to:

• Use our services for any unlawful purpose or activity
• Violate any applicable laws, regulations, or third-party rights
• Upload, post, or transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the operation of our services
• Use automated tools to access or extract data from our website
• Misrepresent your identity or affiliation with any person or entity
• Share, reproduce, or redistribute our content without permission

6. Intellectual Property Rights

6.1 Our Content

All content on our website, including but not limited to text, graphics, logos, images, audio clips, and software, is owned by AmuosCart 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 content for personal, non-commercial purposes. This license does not include:

• Resale or commercial use of our content
• Collection and use of product listings or descriptions
• Making derivative works based on our content
• Use of data mining or similar data gathering tools

6.3 User-Generated Content

If you submit content to our website (comments, feedback, etc.), you grant us a worldwide, royalty-free license to use, modify, and display such content in connection with our services.

7. Educational Content Disclaimer

Our educational content is provided for informational purposes only. We make no warranties about:

• The accuracy, completeness, or timeliness of our content
• The suitability of our content for your specific situation
• The outcomes of following any information or strategies discussed
• The performance of any financial products or strategies mentioned

Financial markets and regulations change frequently. Information that was accurate at the time of publication may become outdated.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services. We do not endorse or assume responsibility for:

• The content, policies, or practices of third-party sites
• The availability or functionality of external links
• Any damages or losses related to third-party services

Your use of third-party services is subject to their respective terms and conditions.

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to our data practices as described in our Privacy Policy.

10. Newsletter and Communications

By subscribing to our newsletter, you agree to receive educational content and updates from us. You may unsubscribe at any time using the unsubscribe link in our emails or by contacting us directly.

11. Limitation of Liability

To the fullest extent permitted by Singapore law:

• AmuosCart shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount you paid for our services, if any
• We are not responsible for any financial losses resulting from the use of our educational content
• We disclaim all warranties, whether express or implied, regarding our services

12. Indemnification

You agree to indemnify and hold harmless AmuosCart, its officers, directors, employees, and agents from any claims, damages, losses, 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 website

13. Termination

We may terminate or suspend your access to our services at any time, with or without cause or notice. Upon termination:

• Your right to use our services will cease immediately
• We may delete your account and associated data
• Provisions that should survive termination will remain in effect

14. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, government actions, or technical failures.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by:

• Posting the updated Terms on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

Your continued use of our services after changes constitute acceptance of the modified Terms.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of Singapore, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of Singapore courts.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and AmuosCart regarding your use of our services.

19. Contact Information

If you have questions about these Terms of Service, please contact us: