TERMS OF SERVICE (ToS)

Thank you for using the Mobile App (App) ,Website (Site) or Customer Relationship Management Software (CRM) of MyFinancialBuddy. The App, Site and CRM shall be termd as the Platforms.

The Platforms are jointly operated and managed by ButlerTech Group and LinxHQ Pte Ltd and developed together with our licensed Financial Adviser partners in Singapore for their invaluable inputs. For simplicity of purpose, ButlerTech Group, LinxHQ and the stakeholder Financial Advisory partner that are grouped together for the development of this Project would be known as MyFinancialBuddy.

When you are using the Platforms of MyFinancialBuddy, you are advised to have gone through the ToS and understood the Privacy Policy herein.

TERMS OF USE OF MYFINANCIALBUDDY

Upon registering yourself as a user, you have authorized MyFinancialBuddy to provide you with financial planning education as well as to maintain any information of yourself which may be personal or contain your personal financial circumstances that you have provided on your own volition or through the update of your Financial Adviser who has updated on your behalf.

You and your Financial Adviser are advised not to put in any information that would identify you such as your Full Name, National Identity Card, Passport Number, Bank Account Numbers and Home and Work address. As much as possible, you are encouraged to use Alias so long as your Adviser is able to identify you for Financial Planning purposes. Providing your contact number is optional but it would allow your Adviser or MyFinancialBuddy to get in touch with you. By providing your contact number, you have given the right by your Adviser or MyFinancialBuddy under the Personal Data Protection Act (PDPA) to contact you.

While you may grant MyFinancialBuddy permission to maintain any personal or financial information which you wish to disclose. MyFinancialBuddy will in no way verify the authenticity or accuracy of the information with any statutory or financial institution.

MyFinancialBuddy will use the information that you or your Financial Adviser provides to analyze and determine your financial needs and from there create a list of financial recommendations. Without the licensed Financial Adviser verifying your inputs and the output results of the Platforms, MyFinancialBuddy will only serve solely as a Financial Education tool and not to be construed as a Financial Advice although the platforms seek to mimic the “questions”, “answers” and even the “recommendations” of a trained Financial Adviser.

Upon obtaining the “answers” and “recommendations”, you are advised to seek the independent advice from a licensed and trusted financial adviser or financial practitioner before implementing an actual financial transaction.

OPERATION OF MYFINANCIALBUDDY

From time to time, our Platforms would undergo maintenance and we do not guarantee no loss of data during the downtime although our servers would maintain a backup once every 24 hours.

MyFinancialBuddy may at any time provide updates and software maintenance to the Platforms without prior notice for the purpose of improving our service to you. Any loss of data from the downtime where users are denied access to the Platforms.

MyFinancialBuddy will not be liable for any loss of data as a result of the temporary disruption.

CONTENT AND TRANSACTIONS OF THIRD PARTY SYSTEMS

Our Platforms may contain content such as marketing and advertisement information from third party sources which may lead to online transactions.

Under no circumstances is MyFinancialBuddy endorsing the content or product marketed by Third Party Sources.

You would have to be responsible for your actions that you have transacted on Third Party Systems if any.

Representations, Warranties and Indemnities You hereby represent, warrant and covenant that: You shall not upload, post or transmit to or distribute or otherwise publish through the Platforms anything which

  1. may restrict or inhibit any other user from using and enjoying the Site or any part thereof;
  2. is unlawful, threatening, harmful, abusive, libellous, defamatory, obscene, vulgar, offensive, pornographic, profane, threatening, sexually explicit or indecent;
  3. may constitute or encourage conduct that would constitute an offence, give rise to civil liability or otherwise violate the law;
  4. may infringe the rights of third parties including without limitation intellectual property rights, rights of privacy or publicity or any other legal right in any jurisdiction;
  5. may contain any viruses, Trojan horses, worms or any other harmful components;
  6. may be false or misleading;
  7. may interfere with or disrupt the operation and functionality of the Site or any of the servers or networks connected to the Site;
  8. may constitute unsolicited or unauthorized advertising, promotional material, "junk mail", "spam", "chain letter", "pyramid schemes" or any other form of solicitation;
  9. "stalks" or otherwise harasses another;
You shall not collect or store personal data about other users without such users’ prior consent; and you agree to the Privacy Policy

INTELLECTUAL PROPERTY

All intellectual property rights (including, without limitation, copyright and trade marks), whether registered or unregistered, comprised in, relating to or in connection with the Platforms and any part thereof (including, without limitation, any contents, text, graphics, logos, icons, audio/visual recordings, applications, computer programs and codes) are owned by MyFinancialBuddy or its licensors. Neither these Platforms nor any part thereof may be reproduced, modified, adapted, distributed, commercially exploited, published, displayed, uploaded, broadcast, posted, transmitted, hyperlinked or framed in any manner and in any form without the prior written consent of MyFinancialBuddy.

CONFIDENTIAL INFORMATION

MyFinancialBuddy shall not reveal to anyone, any specific confidential and privileged information belonging to you, that you provide as a user registered on MyFinancialBuddy unless it is for the purpose of assisting your Beneficiaries who are seeking to discover your financial assets in the event that you are mentally incapacitated or deceased.

Notwithstanding the above, MyFinancialBuddy cannot guarantee the confidentiality of such data, as it may be lost during transmission, or changed, or accessed by unauthorized third parties.

INDEMNITY

You agree to indemnify and hold harmless MyFinancialBuddy handling or otherwise providing the Services from and against any and all claims, actions, demands, proceedings, liabilities or judgments, and against all losses, taxes, expenses, costs, legal fees, and liabilities (present, future, contingent or otherwise on an indemnity basis), which may be suffered or incurred by you as a result of or in connection with a breach of this ToS in connection with the Services.

Governing Law

These Platforms Tos and Privacy Policy are governed by and construed in accordance with the laws of Singapore and you agree to be subject to the non-exclusive jurisdiction of the courts of Singapore.