These Terms and Conditions ("Terms") govern your access to and use of the website at finlorex.biz (the "Website") and your enrolment in any programme offered by Finlore ("we", "us", "our"). By using the Website or enrolling in a programme, you agree to be bound by these Terms. Please read them carefully before proceeding.
1. About Finlore
Finlore is a financial education provider based in Singapore. Our registered address is 168 Robinson Road, #11-08, Capital Tower, Singapore 068912. We deliver educational programmes on financial topics; we are not a financial adviser licensed under the Financial Advisers Act (Cap. 110) of Singapore and do not provide regulated financial advice.
2. Nature of Our Services
All programmes offered by Finlore are educational in nature. The content delivered in any session — including discussions of financial products, strategies, tax considerations, or advisory scenarios — is provided for educational and informational purposes only. Nothing communicated by Finlore in any programme, session, written material, or correspondence should be construed as:
- A recommendation to buy, sell, or hold any financial product or instrument
- Personalised financial, tax, or legal advice
- A representation or prediction of future financial outcomes
Participants are encouraged to consult a licensed financial adviser, tax professional, or legal counsel before making financial decisions based on anything discussed in a Finlore programme.
3. Eligibility
Our programmes are open to individuals aged 18 years or older. Certain programmes are designed for specific circumstances (e.g. new Singapore residents, or individuals with intermediate investment knowledge); we reserve the right to decline enrolment where we reasonably determine a programme is not suited to a participant's situation, and will communicate this promptly.
4. Enrolment and Payment
4.1 Enrolment confirmation
Enrolment is confirmed upon receipt of full payment (or a deposit where a payment plan has been agreed in writing). We will send a written confirmation by email within two business days of successful payment.
4.2 Fees
Programme fees are as published on our Website at the time of enrolment. All fees are quoted in Singapore Dollars (SGD) and are inclusive of any applicable GST unless otherwise stated. Fees cover all sessions, materials, and support specified in the programme description.
4.3 Payment
Payment is processed via our designated third-party payment provider. We do not store credit or debit card details. By providing payment information, you authorise the relevant amount to be charged in accordance with the agreed terms.
5. Cancellation and Refund Policy
5.1 Participant cancellation
- Cancellations made 14 or more days before the programme start date: full refund, less any payment processing fees.
- Cancellations made 7 to 13 days before the programme start date: 50% refund of the programme fee.
- Cancellations made fewer than 7 days before the programme start date, or after the programme has commenced: no refund. Transfer to a future cohort may be offered at our discretion.
5.2 Cancellation by Finlore
In the unlikely event that we cancel a programme, enrolled participants will receive a full refund within 14 business days. We are not liable for any additional costs incurred by participants as a result of cancellation.
5.3 Rescheduling
We may reschedule sessions due to unforeseen circumstances. We will provide at least 48 hours' notice where possible and work with participants to find suitable alternative times.
6. Participant Responsibilities
By enrolling, you agree to:
- Attend sessions punctually and engage in good faith with the programme content
- Not record, reproduce, or distribute session content without our prior written consent
- Treat fellow participants and Finlore facilitators respectfully
- Provide accurate information at the time of enrolment
We reserve the right to remove any participant from a programme without refund if their behaviour is disruptive, disrespectful, or inconsistent with these Terms.
7. Intellectual Property
All course materials, frameworks, checklists, glossaries, and written content provided by Finlore are the intellectual property of Finlore and are licensed to participants for personal use only. You may not reproduce, share, sell, or publish any programme materials without our prior written permission.
The Website and its content, including text, design, and graphics, are protected by applicable intellectual property laws. Nothing in these Terms grants you any right to use Finlore's name, logo, or branding without our consent.
8. Limitation of Liability
To the maximum extent permitted by law:
- Finlore provides its educational services on an "as is" basis and makes no warranties regarding the completeness, accuracy, or fitness for any particular purpose of the programme content.
- We will not be liable for any direct, indirect, incidental, or consequential loss arising from your use of or reliance on our Services, including any financial decisions made following participation in a programme.
- Our total liability to you under or in connection with these Terms shall not exceed the fees actually paid by you for the specific programme in question.
Nothing in these Terms excludes liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.
9. Privacy
Your personal data is handled in accordance with our Privacy Policy, which forms part of these Terms. By enrolling, you acknowledge that you have read and understood the Privacy Policy.
10. Confidentiality
Finlore treats all personal and financial information shared by participants in the course of a programme as confidential. We will not disclose this information to third parties except as described in our Privacy Policy or as required by law. We ask that participants similarly treat any personal information shared by fellow participants in group settings with discretion.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with these Terms shall be subject to the non-exclusive jurisdiction of the courts of Singapore.
12. Changes to These Terms
We may update these Terms from time to time. Material changes will be notified via a notice on our Website. Continued use of our Services following such notice constitutes your acceptance of the revised Terms.
13. Contact
For any questions regarding these Terms, please contact us at:
Finlore
168 Robinson Road, #11-08, Capital Tower, Singapore 068912
Email: [email protected]
Tel: +65 6473 9258