This Agreement (this “Agreement”) governs the use of the programs, products, Websites, e-books, videos, webinars, blog posts, e-newsletters, consultations, e-mails, downloadable audio files, downloadable PDF printed transcripts, downloadable PDF handouts/slides, social media, software, research and/or other communications (collectively, the “Information”) that are made available by Republic Financial Pte Ltd (the “Company,” “we,” or “us”) on, through, or in connection with its website available at this web address (URL): https://optionsgarage.com (the “Website”).  This Agreement represent the whole agreement and understanding between us and you, the person that accesses or uses the Information and/or the Website (such person, “you,” “User” or “Visitor”).

PLEASE READ THIS AGREEMENT CAREFULLY.  By your access or use of the Information and the Website, you (i) represent and warrant that you are at least eighteen (18) years of age and (ii) agree to comply with all of the terms and conditions set out in this Agreement and the Company’s Privacy Policy.  The Information and the Website are intended solely for users who are eighteen (18) years of age or older, and any registration by, use of or access to the Information or the Website by anyone under the age of 18 is unauthorized, unlicensed and in violation of this Agreement.

We may terminate your right to access or use the Information or the Website at any time, with or without notice, for conduct that is in breach of this Agreement, for conduct that we believe is harmful to our business, or for conduct where your use of the Information and/or Website is harmful to any other party.  If you do not agree to these conditions, STOP reading now, and do not access or use the Information and/or the Website.

We may, in our sole discretion, change or modify this Agreement at any time, with or without notice. Such changes or modifications shall be made effective for all Visitors upon posting of the modified Agreement to this web address (URL): https://optionsgarage.com/terms-and-conditions/. You are responsible to read this document from time to time to ensure that your use of the Information and/or Website remains in compliance with this Agreement.

Effectivity of Terms and Conditions

These Terms and Conditions shall be effective immediately upon the completion of the registration procedure on our website, in accordance with these terms and conditions. These terms and conditions shall continue in perpetuity, unless terminated by either party as set forth herein.

FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY

The Website’s contents are for educational and informational purposes only and solely as a self-help tool for your personal use. Accordingly, you should not rely on the Information or Website in making any investment. The Company makes no representations or warranties, either expressed or implied, with respect to the accuracy or completeness of the Information or the Website.  You should always check with your financial, investment, legal, tax and/or other professional advisors to determine the suitability of any investment.

NOT LEGAL OR FINANCIAL ADVICE

The Company and its affiliates, owners, managers, employees, shareholders, officers, directors, other personnel, representatives, agents or independent contractors (collectively, “Company Persons”) do not hold themselves out to be attorneys, accountants, financial advisors, or investment advisors, nor does any Information or other Website contents constitute legal, accounting, investing or other professional advice to you.  You acknowledge and agree that the Information and this Website are not intended to be a substitute for the legal, accounting, financial investing or other professional advice that can be provided by your own professional advisors.

NO WARRANTIES

THE COMPANY MAKES NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, RELATED TO THE PERFORMANCE, OPERATION OR CONTENTS OF ITS WEBSITE OR THE INFORMATION (INCLUDING, WITHOUT LIMITATION, ALL CONTENT, MATERIALS, PROGRAMS, PRODUCTS OR SERVICES INCLUDED ON OR THROUGH THE WEBSITE).  TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE INFORMATION AND THE WEBSITE ARE AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

PERSONAL RESPONSIBILITY

You agree that the information you provide to us on or through the Website will be accurate. You acknowledge that you are voluntarily using the Website and that you are solely and personally responsible for your choices, actions and results in connection with that use, now and in the future. You accept full responsibility for the consequences of your use, or non-use, of any Information or this Website, and you agree to use your own judgment and due diligence in connection with your use of any Information or this Website.

NO GUARANTEES

You acknowledge and agree that no promise or guarantee of success or profitability has been made between you and the Company or any Company Person.

Financial Information Disclaimer and Warning

Neither the Company nor any Company Person is, in such capacities, licensed or otherwise regulated by the Monetary Authority of Singapore, and in particular is not licensed or regulated to carry on business in providing any financial advisory Website. Accordingly, the Website’ content is meant purely for informational and investor educational purposes and should not be relied upon as financial advice. No information is presented with the intention to induce any reader to buy, sell, or hold a particular investment product or class of investment products. Rather the information is presented for the purpose and intentions of educating readers on matters relating to financial literacy and investor education. Accordingly, any statement of opinion on this site is wholly generic and not tailored to take into account the personal needs and unique circumstances of any reader. 

The Company does not recommend any particular course of action in relation to any investment product or class of investment products. Readers are encouraged to exercise their own judgment and have regard to their own personal needs and circumstances before making any investment decision, and not rely on any statement of opinion that may be found on our Website.

Membership Fee; Automatic Renewal; Termination

When subscribing to membership of Options Garage, you will need to provide us with your first name, last name, email address, and country of residence. You certify that all information you provide is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. In the event that any information you provide is inaccurate or not up-to-date, we reserve the right to cancel your membership.

Some Services may require payment of subscription fees and/or other ancillary fees before you can access or use them. These fees will be notified to you through our Website.

If you purchase a recurring subscription from us, the subscription period for your account shall be renewed automatically at the expiry of each subscription period, until terminated successfully through our Website. By purchasing the recurring subscription, you authorise us or our related corporations to automatically charge the subscription price: (a) upon the commencement of your first subscription period, upon expiration of any applicable trial period or at a date otherwise indicated by us; and (b) on the renewal date of the subscription period thereafter, without any further action by you.

Any subscription fees due in relation to your Account must be paid by their due date for payment, as notified to you through our Website or otherwise. Failure to make timely payment of the fees may result in the suspension or termination of your access to your account and/or our Portal or any of the Services.

Our fees may be amended from time to time at our discretion. We will provide you reasonably advanced written notice of any amendment of recurring subscription fees. Your continued use of the recurring subscription will constitute acceptance of the amended fees, which will be charged on a recurring basis from the next subscription period.

You shall be responsible for any applicable taxes (including any goods and services tax) under this Agreement.

All payments shall be made in U.S. Dollars, through our Website or by any payment method listed on our Website, to such account as we may notify to you for payment of the subscription fees. We must receive payment in full no later than the day on which such payment is required to be paid in immediately available and freely transferable funds, without any restriction, condition, withholding, deduction, set-off or counterclaim whatsoever.

If you cancel your subscription to our Website, you may continue to access the account until the expiry of the subscription period in which the cancellation occurred.

Termination of your account for any reason whatsoever shall not entitle you to any refund of the subscription fees.

The Company may at any time, without prior notice and at our sole discretion, terminate your membership, or take any lawful action if we believe that you have violated any of these terms.

Access to the Website

To access the member-only website, you will be asked to create a password. Options Garage member-only content should only be accessed by paid members, and unless otherwise stated in the invitation, member events can only be attended by current members. Accordingly, you agree not to forward any proprietary material to any third party without our written permission. You further agree that any unauthorised sharing or disclosure of your password by you will cause wrongful loss to the Company and constitutes an offence under applicable law.

Third Party Rights

No person has any right under the Contracts (Rights of Third Parties) Act of Singapore to enforce any provision of these terms and conditions.

No Assignment

You shall not assign any of its rights, or delegate the performance of any of its duties, under these terms and conditions, without our prior written consent.

No Waiver of Rights

A failure or delay in exercising any right, power or privilege in respect of these terms and conditions will not be presumed to operate as a waiver, and a single or partial exercise of any right, power or privilege will not be presumed to preclude any subsequent or further exercise of that right, power or privilege or exercise of any other right, power or privilege.

Notices

All notices that we send to or receive from you provided for or permitted under these terms and conditions or by law shall be in writing and shall be deemed duly served when (i) delivered, if delivered by courier or other messenger (including registered mail) during normal business hours of the recipient; (ii) when sent, if transmitted by fax or e-mail; (iii) on the fifth business day following mailing, if mailed by ordinary mail, postage prepaid; or (iv) on the tenth business day following mailing, if mailed by airmail, postage prepaid; in each case addressed to the most recent address, e-mail address, or facsimile number notified.

Intellectual Property

All of the Information made available through the Website is protected by applicable copyright, trademark and other intellectual property laws and is the property of Republic Financial Pte Ltd and/or providers of the Information under licence.

Our Information is intended for individual, non-commercial use only. Accordingly, you may download or print one copy of any material provided that the material remains intact including without limitation all copyright and trademark notices. Any other copying, distribution, storing, transmission or re-dissemination of any kind is prohibited without our prior written permission.

You agree not to display any of our trademarks or use them in any manner without our express written permission.

Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless the Company, its employees, directors, contractors, affiliates and agents from and against any claim, liability, cost, damage or loss we may incur (including, without limitation, legal fees) as a result of any violation by you of your obligations under these terms and conditions.

Limitation of Liability

To the fullest extent permitted by law, neither the Company nor its employees, contractors, affiliates or agents will be liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use of any Information, or participation in any event. This includes, but is not limited to, loss or injury caused in whole or in part by our negligence or by contingencies beyond our control.

Privacy

By accessing and using the Website, you consent to our collecting, transferring and handling the data in accordance with the Data Protection Act of Singapore and our Privacy Policy respectively. 

We may disclose your personal information in response to official requests from government authorities as well as to comply with any applicable law, in accordance with the Personal Data Protection Act of Singapore.

Severability

If any part of these terms and conditions is found to be invalid or enforceable, the remaining provisions will continue in full force and effect.

Governing Law and Jurisdiction

These Terms and Conditions are governed by and interpreted in accordance with the laws of Singapore. You hereby agree to submit to the jurisdiction of the Singapore courts.