2. CHANGES OF TERMS

We may amend these terms from time to time by posting the updated terms on our Platform. If we make material changes, we will notify you of the changes before they become effective. By continuing to use our Platform and our services after the changes come into effect means that you agree to be bound by the revised policy. You are responsible for checking this updated T&C on your own and periodically. Your continued use of our Platform implies your unconditional agreement to all the terms stated in this T&C.

3. AVAILABILITY OF OUR SERVICES

We are constantly changing and improving our Platform and the products or services we provide. We may from time to time change or discontinue any of the products or services we offer, or add or remove functionalities or features, and we may suspend or stop certain products, services, functionalities or features altogether. If we discontinue certain products, services, functionalities or features, we may or may not give you advance notice where reasonably possible.

We may release products, services, functionalities or features that we are still testing and evaluating. We may label such services as “beta”, “preview”, “early access” or “trial” or any words or phrases with similar meanings. You understand that these beta services are not as reliable as other products or services we offer. There maybe defects associated with features that are marked as such. You understand these limitations and possible defects and agree to report to us, at your own will, any defects that you may encounter.

We reserve the right to limit your use of our Platform and the services we provide, including the right to restrict, suspend or terminate your account if we believe you are in breach of these terms or are misusing our Platform or any services we provide.

We try our best to ensure that our Platform is always available, but we do not guarantee that the operation of or access to our Platform will be uninterrupted or continuous. Our Platform may be interrupted for maintenance, repairs, upgrades, network, software defects or equipment failures.

You are responsible for configuring your information technology, computer programmes and platform or system in order to access our Platform. We do not guarantee that our Platform will be free from bugs, defects or viruses. We do not guarantee that any feature or functionality will work all the time as intended.

4. YOUR ACCOUNT AND PASSWORD

In registering for an account on our Platform, you must provide truthful, accurate and up-to-date information about yourself. You should choose a strong and secure password. You must keep your password secure and confidential.

You agree not to share your account credentials or give others access to your account. If and when we detect that an account is shared by multiple users, we may treat this as a security breach and suspend or terminate your account.

We have the right to disable any password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you are in breach of these terms.

You agree to follow our Acceptable Use Policy, which is set out at the end of these terms.

You are responsible for all actions or activities that happens by, through or under your account, unless you report misuse.

You agree that all payments made to the Platform are non-refundable. You further agree that your free use of the Platform has given you sufficient knowledge of the Platform and its merits before committing to a purchase.

5. USE OF THE PLATFORM

You must comply with the Acceptable Use Policy and all applicable laws and regulatory requirements, including privacy laws and intellectual property laws in using or accessing the Platform.

Subject to your payment of applicable fees, we give you a personal, worldwide, royalty-free, non-assignable, non-transferrable, non-sublicensable, non-exclusive and revocable licence to access and use our Platform, including any software or application as part of the services we offer. This licence is for the sole purpose of enabling you to use and enjoy the benefit of our Platform as provided by us and in the manner as permitted by these terms.

This licence to use our Platform will terminate if you do not comply with these terms or other additional terms or conditions imposed by us from time to time.

You must not copy, modify, distribute, sell, lease, loan or trade any access to the Platform or any data or information on it.

You warrant that only yourself will have access to your account registered with the Platform.

You agree that all payments made to the Platform are non-refundable. You further agree that our website has provided you with sufficient knowledge of the Platform and its merits before committing to a purchase.

6. YOUR RIGHTS

You retain your rights to any information or content you submit, post or display on or through the Platform (“Your Content”). By submitting, posting or displaying such content, you grant us a worldwide, non-exclusive, royalty-free licence (with the right to sublicense) to use, process, copy, reproduce, adapt, modify, publish, transmit, display and distribute such content in any and all media or through any distribution channels (now known or later developed), subject to the applicable provisions in our Privacy Policy.

You are responsible for your use of Your Content and any consequences thereof, including any consequences of the use of Your Content by other users or third parties. We are not responsible or liable for any use of Your Content, nor the use of any content or information submitted or posted by other users or visitors.

You warrant that Your Content is not and will not infringe rights of any third parties and that you have all the necessary rights, power and authority to satisfy your obligations with regard to Your Content under these terms.

If you believe your intellectual property rights have been infringed, please contact us by email at [email protected].

You may not modify any part of the Platform.

We grant you the right to install and access our Platform on each of your computers solely for your own use.

7. OUR RIGHTS

All intellectual property rights subsisting in the Platform or the products or services we provide belong to us or have been lawfully licensed to us. All rights under applicable laws are hereby reserved. You must not upload, post, publish, reproduce, transmit or distribute any content or component of our Platform in any way, or create any derivative works with respect to any such content or component.

We may (at our discretion but are not obliged to) review content or information submitted or posted by users on our Platform. We reserve the right to remove any content which we consider as offensive, harmful, deceptive, discriminative, defamatory or otherwise inappropriate or misleading, or content that we believe may be infringing rights of third parties. We do not endorse or support any views expressed by any users on our Platform.

Our name “StockHero” and our marks and logos are our trade marks (be it registered or unregistered) and may not be used without our express prior written consent.

All title, ownership rights and intellectual property rights in and to the Platform and any and all copies thereof are owned by the Company. All rights are reserved.

We may at times collaborate with certain companies or parties such that the companies or parties will refer their users to us. In such circumstance, we may release your trading volume data and any other data to the third party companies which we have collaborated with.

We may at times be compensated for referring you to a broker. Such compensation is paid only once for your referral. However, we are NOT compensated for your trades.

8. INTEGRATIONS WITH THIRD PARTY

We integrate with third-party software to provide a full suite of functionalities to our users. We are not responsible for any issues or losses arising from the use of any third-party software through our platform. Your access and use of the third-party software is governed by the terms of service or user agreements of that software, if applicable.

8.A. INTEGRATIONS WITH AI-POWERED CHATBOTS

We may also integrate with AI-powered chatbot service providers to provide users with generative AI features. We are not responsible for any replies generated by the AI-powered chatbots and as consumed by you in our Platform. We do not augment, create, recommend, endorse or suggest any of the comments generated by the AI-powered chatbot service providers. This AI-powered chatbot service is provided on a as-is basis. You further agree to assume all losses if you are to follow through on any comments generated by the AI-powered chatbot services. In addition, due to the developmental and experimental stage of the AI-powered chatbot services, some replies generated by the chatbots maybe fictitious, false, incorrect, libelous, slanderous, or possess any other unwanted attributes. We are not responsible for any and all replies generated by the AI-powered chatbots. You agree to absolve us from any losses, liabilities, ill-wills and other adverse situations incurred that may arise from your use of our AI services.

8.B. USE OF AI-POWERED CHATBOTS

We may also monitor the questions you submitted to the AI-powered chatbot. Your may only submit finance-related queries to the AI-powered chatbot. If we find at any time that you have submitted a non-financial related query, we may either A) send you a warning email, B) suspend your account or C) terminate your account. If we are to act on either (B) or (C), you will not be entitled to any refund for any unused period of your prevailing subscription.

8.C. INTEGRATION WITH COMMUNITY PLATFORM

We offer our Community Platform via a third party service provider. We are not responsible for any misinformation, inaccuracies and any other adverse information found in any part of the community platform. Provision of the community platform is on a as-is and where-is basis. We may also remove the Community Platform entirely at any time without giving you notice.

8.D. USE OF COMMUNITY PLATFORM

You agree that your use of the Community Plaform is privileged. We may remove your access to the Community Plaform at any time without reason. You agree not to post contents which are advertorial, libellous, defamatory, political, sexual, derogatory and adverse in nature. You agree to absolve us from all liabilities as a result of your use of the Community Plaform. You may not copy or reproduce any content found in the Community Plaform. Any content that you submit belongs to us. As such, we have the right to edit, remove and re-distribute the content. You waive your right to claim any royalties should we use the content for any revenue-generating activities. You understand that all contents found in the Community Plaform are not reviewed by us. If you find any content that is objectionable in nature, you should email us at [email protected]. You agree not to give away access to your account on the Community Plaform. You agree not to impersonate any real person. You agree not to create discord among other users and to respect the views and opinions of other users. We may appoint Community Managers or Moderators to help police the Community Plaform. You agree to obey all instructions given by the Community Managers and Moderators. You should not consider any opinions or comments from other users as financial advice. You must always seek your own professional financial advice for any trading or investing matters.

9. FEEDBACK

We value and welcome feedback on our Platform. You agree that we are free to use, disclose, adopt and/or modify any feedback and any information (including any ideas, concepts, proposals, suggestions or comments) provided by you to use in connection with our Platform or any products or services we offer, without any payment to you.

You hereby waive and agree to waive any rights to claim for any fees, royalties, charges or other payments in relation to our use, disclosure, adoption and/or modification of any of your feedback.

10. LIMITATION ON LIABILITIES

Some countries or jurisdictions may not allow the disclaimers in this clause, in which case these disclaimers will not apply to you.

To the fullest extent permitted by law, we (including our holding company(ies), subsidiaries, affiliates, directors, officers, employees, agents, representatives, partners and licensors (collectively, “Our Entities”)) expressly limit our liabilities in connection with or arising out of the provision of the Platform as follows:

- we provide the Platform and any products or services we offer on an “as is” and “as available” basis, and your access to or use of our Platform is at your own risk;

- we give no assurance, representation or warranty of any kind (whether express or implied) about the Platform and any products or services we provide;

- we do not guarantee that the information or content you find on the Platform is always accurate, truthful, complete and up-to-date;

- we expressly disclaim all warranties and representations (for example, warranties of merchantability, fitness for a particular purpose, and non-infringement);

- we are not responsible for any delay or disruption in our Platform or any defect, viruses, bugs or errors; and

- we are not responsible for the conduct of or any content or information submitted or posted by any user of the Platform (whether online or offline).

To the fullest extent permitted by law, Our Entities are not liable to you or others for:

- any indirect, incidental, special, exemplary, consequential or punitive damages; or

- any loss of data, business, opportunities, reputation, profits or revenues, relating to the use of our Platform or any products or services we offer.

We do not exclude or limit our liability to you where it would be illegal to do so. This includes any of our liability for fraud or making fraudulent misrepresentation in operating the Platform or providing the products or services we offer.

If you are using the Platform as a consumer, in some countries or jurisdictions you may have certain legal rights as a consumer. In such cases, nothing in these terms limit your legal rights as a consumer that may not be waived by contract.

Other than the types of liabilities that we cannot limit by law, the liabilities of Our Entities to you (on aggregate) are limited to the amount you have paid us (if any) for the use of our Platform or for any products or services we offer over the last twelve (12) months.

11. YOUR REPRESENTATION

Our Platform is not intended for and may not be used by minors. By using our Platform, you represent that you are an adult and that you are able to legally enter into contractual agreements.

If you are using the Platform on behalf of an entity, by using the Platform you represent that you have the necessary rights and authority to agree to these terms (and our Privacy Policy, Acceptable Use Policy and other documents referred to herein) on behalf of that entity.

12. INDEMNITY

You agree to indemnify and hold Our Entities harmless from and against all liabilities, damages, claims, costs (including legal fees and costs), and expenses in connection with or arising from (i) your breach of these terms, (ii) your use of our Platform and/or (iii) any misrepresentation made by you and/or us.

You also agree to fully co-operate with us in the defence or settlement of any claim in relation to or arising out of our Platform or these terms.

13. TERMINATION

These terms will continue to apply until terminated by either you or us as follows.

- You shall email [email protected] notifying us of your intent to terminate your account with Us.

- Even if you have been provided with a method to terminate or delete your account in our app, you must still email us regarding your termination request.

We reserve the right to suspend or terminate your access to our Platform, if we reasonably believe:

- you are in serious or repeated breach of these terms (including a failure to settle any payment);

- you are using the Platform in a manner that would cause a real risk of harm or loss to us, other users, or the public;

- we are requested to do so by government or regulatory authorities or as required under applicable laws, regulations or legal processes; or

- our provision of the Platform to you is no longer possible or commercially viable.

You agree that no refund shall be made for any unused period for your prevailing subscription.

14. ENTIRE AGREEMENT

These terms constitute the entire agreement between any user and us in relation to the use of or any transactions on the Platform. These terms supersede and extinguish all other agreements, promises, assurances, warranties, representations and understandings between any user and us, whether written or oral, in relation to the use of or any transactions on the Platform.

You acknowledge that you will have no remedies in respect of any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these terms.

15. OTHER IMPORTANT TERMS

We may transfer our rights and obligations under these terms to another organisation. We will contact you to let you know if we plan to do this. If you do not wish to continue the contract with the transferee, you may contact us to end the contract within one (1) calendar month of us informing you of the proposed transfer and we will refund you any payments you have made in advance for any products not provided.

You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the products, we can still require you to make the payment at a later date.

16. CONTACT

If you have any questions about this T&C or the Acceptable Use Policy, please contact us by [email protected].

17. GOVERNING LAW AND DISPUTE RESOLUTION

These terms are governed by and shall be construed in accordance with the laws of the Republic of Singapore.

Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how we have handled any complaint, you may want to contact the alternative dispute resolution provider we use. You can submit a complaint to Singapore International Arbitration Centre via their website at https://www.siac.org.sg. Singapore International Arbitration Centre will not charge you for making a complaint and if you are not satisfied with the outcome you can still bring legal proceedings.

18. ACCEPTABLE USE POLICY

As part of the terms of use, you agree not to misuse the Platform or help anyone else to do so. You agree not to do any of the following in connection with the Platform:

- use our Platform for unlawful or unauthorised purposes;

- re-sell or attempt to benefit in a commercial fashion from any data, content or information available on the Platform;

- probe, scan, or test the vulnerability of any system or network;

- breach or otherwise circumvent any security or authentication measures or service use limits;

- access, tamper with, or use non-public areas or parts of the Platform;

- interfere with or disrupt any user, host, or network, for example by sending a virus, trojan, worm, logic bomb, or any other material that is malicious or technologically harmful, overloading, flooding, spamming, or mail-bombing any part of the Platform, or by scripting the creation of any content in such manner as to interfere with or create an undue burden on the Platform;

- reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for the Platform or any related technology that is not open source;

- access, search, or create accounts for the Platform by any means (automated or otherwise) other than our publicly supported interfaces (for example, “scraping” or creating accounts in bulk) or attempt to do so;

- send unsolicited communications, promotions or advertisements, or spam;

- forge any TCP/IP packet header or any part of the header information in any email;/p>

- send altered, deceptive, or false source-identifying information, including “spoofing” or “phishing”;

- conduct surveys, contests, or pyramid schemes, or promote or advertise products or services without appropriate authorisation;

- abuse referrals or promotions;

- post, publish, upload, display, distribute, or share materials that are unlawful, inappropriate, profane, pornographic, obscene, indecent, libelous, defamatory, abusive, or knowingly false, and/or that infringe intellectual property rights;

- violate the letter or spirit of our terms of use;

- violate applicable laws or regulations in any way; or

- violate the privacy or infringe the rights of others.