Investing Note Terms of Service ("Terms of Service")

These Terms of Service were last updated on 19 October 2017.

Please read these Terms of Service carefully before using http://investingnote.com ("the Site") operated by Investing Note Pte. Ltd. ("Investing Note", "us", "we" or "our"). These Terms of Service sets forth the legally binding terms and conditions for your use of the Site at http://investingnote.com. By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site or signing up as a member of the Site or a premium subscription service offered by the Site, you agree to be bound by these Terms of Service. Capitalised terms have the meaning given to them in these Terms of Service.


USER CONTENT

You are responsible for any content you post to the Site and for any consequences therof. The content you post will be able to be viewed by other users of the Site and through third party websites. You should only provide content that you are comfortable sharing with others. Your linking to any other websites is done at your own risk.


RIGHT TO MONITOR CONTENT

Investing Note reserves the right, in our sole discretion, to edit, refuse to publish or remove any content from the Site for any reason whatsoever, including but not limited to, that we believe part or all of the content: (i) is in need of editing for grammar, spelling or overall readability; (ii) is off topic; (iii) is inaccurate; (iv) is false, misleading or defamatory; (v) is offensive, abusive or uncivil in tone; (vi) is harmful, threatening or intimidating; (vii) contains profanity, hate messages or personal attacks against others; (viii) constitutes spam, phishing or any form of advertising or solicitation; (ix) is used in conjunction with any automated or other means to artificially drive user traffic to the Site; (x) disguises the origin of any user content transmitted to the Site; (xi) impersonates another person or misrepresents your affiliation with a person or entity; (xii) violates another person's or entity's intellectual property rights, publicity or privacy rights or other legal rights; (xiii) contains software viruses or any other malicious code, files or programs which may interrupt, destroy or limit the functionality of computer software or hardware or telecommunications equipment; or (xiv) is otherwise inappropriate or undesirable for the Site.

Without affecting the generality of the foregoing, you shall NOT collect any other users' information or content, or otherwise access this Site using automated means (including but not limited to harvesting bots, robots, spiders or scrapers) without our prior express written permission.


CODE OF CONDUCT

Users are expected to observe Investing Note’s community guidelines at https://www.investingnote.com/posts/39956. A failure to observe the community guidelines may result in termination and/or legal action against the relevant user.


DISCLAIMER

You understand that all postings, messages and other content posted on the Site whether publicly posted or privately transmitted, is the sole responsibility of the person who originated such content.

Investing Note may not monitor or control the content posted on the Site and we cannot take responsibility for such content. Any use or reliance on any content or materials posted on the Site is at your own risk. All information provided are for informational purposes only, not intended for trading purposes or advice. Neither Investing Note, its affiliates nor any of the independent providers of content or third party suppliers to this Site (collectively, "Our Contributors") is liable for any informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein.


INFORMATION CONTAINED ON THIS SITE HAS BEEN PREPARED BY OUR CONTRIBUTORS AS A CONVENIENCE TO INVESTING NOTE’S USERS AND IS NOT INTENDED TO CONSTITUTE ADVICE OR RECOMMENDATIONS UPON WHICH A USER MAY RELY. NOTHING ON THIS SITE CONSTITUTES LEGAL, TAX, FINANCIAL OR OTHER PROFESSIONAL OR SPECIALIST ADVICE. INVESTING NOTE MAKES NO WARRANTY OR GUARANTEE ABOUT THE ACCURACY, COMPLETENESS, OR ADEQUACY OF THE INFORMATION CONTAINED IN OR LINKED TO THIS WEB SITE OR ANY OTHER WEB SITE MAINTAINED BY THE OWNER. USERS RELYING ON INFORMATION FROM THIS WEB SITE DO SO AT THEIR OWN RISK.

THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF THE TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE FINANCIAL PRODUCTS, EQUITIES OR FIXED-INCOME / DEBT INSTRUMENTS, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES.

THIS SITE MAY PROVIDE YOU WITH PLANNING AND EDUCATIONAL TOOLS, INCLUDING EDUCATIONAL MATERIALS, COURSES AND ANALYSES. SUCH TOOLS, MATERIALS, COURSES AND ANALYSES MAY ALLOW YOU TO MODEL "WHAT-IF" SCENARIOS, THE RESULTS OF WHICH ARE ILLUSTRATIVE AND ARE BASED ON THE INFORMATION AND ASSUMPTIONS IDENTIFIED. THERE IS NO GUARANTEE THAT THE RESULTS SHOWN ARE NECESSARILY ACCURATE OR WILL BE ACHIEVED.

THIS SITE MAY FROM TIME TO TIME CONTAIN FORWARD-LOOKING STATEMENTS. ANY WRITTEN OR ORAL STATEMENTS MADE BY OR ON BEHALF OF INVESTING NOTE, ANY OF ITS SUBSIDIARIES OR ANY CONTRIBUTORS TO THE SITE REFLECT CURRENT VIEWS WITH RESPECT TO FUTURE EVENTS AND FINANCIAL PERFORMANCE. THESE FORWARD-LOOKING STATEMENTS ARE SUBJECT TO UNCERTAINTIES AND INHERENT RISKS THAT COULD CAUSE ACTUAL RESULTS TO DIFFER MATERIALLY FROM THOSE CONTAINED IN ANY FORWARD-LOOKING STATEMENT.

YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ALL CONTENT AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, OUR CONTRIBUTORS (INCLUDING INVESTING NOTE) EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. INVESTING NOTE MAKES NO WARRANTY THAT THE CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.


LINKS TO OTHER SITES

Our Site may contain links to third-party sites that are not owned or controlled by Investing Note.

Investing Note has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site that you visit.


INTELLECTUAL PROPERTY

Investing Note respects the intellectual property rights of others and expects users of the Services to do the same. We will respond to notices of alleged copyright infringement that comply with applicable law and are properly provided to us. If you believe that your Content has been copied in a way that constitutes copyright infringement, please provide us with the following information:

  • a physical or electronic signature of the copyright owner or a person authorised to act on their behalf
  • identification of the copyrighted work claimed to have been infringed
  • identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material
  • your contact information, including your address, telephone number, and an email address
  • statement by you that you have a good faith belief that use of the material in the manner complained of is not authorised by the copyright owner, its agent, or the law
  • a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorised to act on behalf of the copyright owner.

We reserve the right to remove content alleged to be infringing without prior notice, at our sole discretion, and without liability to you. In appropriate circumstances, Investing Note will also terminate a user’s account if the user is determined to be a repeat infringer.

Except as otherwise expressly stated, all content and software appearing on this Site (and their respective compilation) are the copyrighted work of Our Contributors and are protected by local and international copyright laws. You may NOT download information from this Site save for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or content obtained from this Site ("Content"), in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorisation of Our Contributors. The use of Content, including images, by you, or anyone else authorised by you, is prohibited unless specifically permitted by Our Contributors. Any unauthorised use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither Investing Note nor any of Our Contributors warrant or represent that your use of Content or any other materials displayed on this Site will not infringe rights of third parties. For Content that is covered by intellectual property rights, like photos and videos ("IP Content"), you expressly grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any IP Content that you post on or in connection with the Site ("IP License"). This IP License ends when you delete your IP Content or your account unless such IP Content has been shared with others, and they have not deleted it (in which case, the IP License continues to remain effective).


TERMINATION

We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you.

All provisions of these Terms of Service that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.


LIMITATIONS OF LIABILITY

SUBJECT TO APPLICABLE LAW, IN NO EVENT SHALL INVESTING NOTE NOR ANY OF OUR CONTRIBUTORS BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA, USE, GOOD-WILL OR OTHER INTANGIBLE LOSSES, ARISING FROM YOUR USE OF THE SITE, OR ANY OF THE CONTENT OR OTHER MATERIALS ON, ACCESSED THROUGH OR DOWNLOADED FROM THE SITE, EVEN IF INVESTING NOTE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THIS SITE OR ITS HOSTED PRODUCTS AND SERVICES, CONTENT OR SOFTWARE.

YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS SITE IS SUBJECT TO YOUR WAIVER OF ANY RIGHT TO SUE INVESTING NOTE OR ANY OF OUR CONTRIBUTORS DIRECTLY OR TO PARTICIPATE IN ANY CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THIS SITE. NOTHING IN THIS TERMS OF USE OPERATES TO LIMIT ANY LIABILITY OF INVESTING NOTE ARISING FROM (I) DEATH OR PERSONAL INJURY CAUSED BY OR ARISING FROM NEGLIGENCE AND (II) FRAUD.


DATA PROTECTION AND PRIVACY POLICY

Our data protection and privacy policy ("Privacy Policy") describes Investing Note’s collection, use and protection of personal data and will help you understand how we secure and treat customer information that we obtain. We urge you to read our Privacy Policy found at link. Your submission of any personal data to Investing Note in connection with this Site constitutes your consent to the use, disclosure, collection and processing of personal data by Investing Note and/or its affiliates that are consistent with the Privacy Policy. Some information is collected automatically when you visit the Site because your IP address needs to be recognised by the server. We may use your IP address information to monitor and analyse how parts of the Site is being used.


ELECTRONIC COMMUNICATIONS

When you visit this Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.


PASSWORD ACCOUNTS, PASSWORD AND SECURITY

If you have been given the option to open an account on this Site which will provide you with access to password-protected portions of the Site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account information and for any and all activities that occur under your account.

In this regard, you agree to (a) immediately notify Investing Note of any unauthorised use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. Investing Note will NOT be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by Investing Note or another party due to someone else using your account or password. You may not use anyone else's account on this Site at any time, without the permission of the account holder.


GENERAL PROVISIONS

Entire Agreement – These Terms of Use, the Privacy Policy, and other policies we may post on this Site constitute the entire agreement between Investing Note and you in connection with your use of this Site and its content, services and software and supersedes any prior agreements between Investing Note and you regarding use of this Site, including prior versions of these Terms of Use. These Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms of Use, these Terms of Use will prevail.

Age and Location of User – All information and content available on this Site are solely directed to individuals 18 years of age or older.


GOVERNING LAW

These Terms of Service (and any further rules, polices, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of Singapore, without giving effect to any principles of conflicts of law. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions.


CHANGES AND UPDATES TO THESE TERMS OF SERVICE

We reserve the right, at our sole discretion, to modify or replace these Terms of Service by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Service.

Please review these Terms of Service periodically for changes. If you do not agree to any provision of these Terms of Service or any changes to these Terms of Service, do not use or access or continue to use or access the Site immediately.