The materials on www.thejoyfulinvestors.com (“this Site”), including all course materials for educational purposes (“the Service”) are subjected to the Terms and Conditions herein. By accessing, using and/or purchasing the Service and/or this Site, you agree and accept to be bound by the legally binding terms and conditions. Please read the Terms and Conditions carefully.

1. Modifications to Terms and Conditions

The Joyful Investors Pte. Ltd. reserves the right to modify, amend, supplement, and replace these Terms and Conditions, at our sole discretion, at any time without advance notice. Your continued use of this Site after any change constitutes your acceptance to the new Terms and Conditions.

2. Copyright, trademarks, and other intellectual property

You agree that the materials and contents provided on this Site and/or the Service are protected by copyright, patent, trademark, trade secret or other proprietary rights and laws. Unless expressly authorised by The Joyful Investors Pte. Ltd., you agree not to modify, copy, lease, sell, distribute or create derivative works based on the materials and contents on this Site and/or the Service, whether in whole or in part.

The materials and contents on this Site and/or the Service are protected by the applicable copyright and intellectual property laws and is the exclusive property of The Joyful Investors Pte. Ltd. Upon discovery that you have illegally misappropriated or used any of the intellectual property, The Joyful Investors Pte. Ltd. reserves the right to block you from all future materials and to seek legal recourse and you consent to cover the legal fees in connection to the legal recourse.

3. Access and use of the Service

3.1 Description of use

The Service and any content viewed through this Site is solely for your personal and non-commercial use. Your purchase of the Service grants you a limited, non-exclusive, non-transferable licence to access the materials on this Site. Except for the foregoing limited licence, no right, title or interest shall be transferred to you.  You agree not to copy, reproduce, distribute, sell, resell or otherwise exploit the materials obtained on this Site and/or the Service for any commercial purposes.

The Joyful Investors Pte. Ltd. may revoke your licence at any time at our sole discretion. Upon such revocation, you agree to immediately destroy all materials obtained through the Service and/or this Site.

3.2 Conditions of use

You agree to use the materials provided under the Service only for lawful purposes, and in a way that does not infringe upon any intellectual property or proprietary rights of any party. You are not to use the materials provided under the Service in a way that is threatening, harassing, violent, defamatory, obscene, invasive of another’s privacy, racially hateful or otherwise objectionable. The Joyful Investors Pte. Ltd. reserves the sole discretion to restrict your use of the Service if your use may expose The Joyful Investors Pte. Ltd. or any other users to any harm or liability.

3.3 Registration obligations

You may be required to register with this Site so as to access certain materials of the Service. By registering for the Service, you agree to provide and maintain true, accurate, complete and up-to-date information about yourself as prompted by the registration form for the Service. The collection and use of your data and personal information are governed by our Privacy Policy.  By registering for the Service, you represent, warrant and undertake that you have full authority, power and capacity to enter into and comply with your obligations under these Terms and Conditions.

3.4 Modifications to the Service

The Joyful Investors Pte. Ltd. reserves the right to modify, amend, or discontinue, temporarily or permanently, the Service with or without any notice. You agree that The Joyful Investors Pte. Ltd. will not be liable to you, or any third party for the modification, amendment or discontinuance of the Service.

3.5 Use and storage

You consent that The Joyful Investors Pte. Ltd. may set general practices for the use and storage of materials under the Service and/or this Site, including without limitation to the maximum time period that the materials under the Service will be retained and the maximum storage space allocated on The Joyful Investors Pte. Ltd. servers on your behalf. You agree that we will not be held liable for any deletion of data or the failure to store any data maintained under the Service. You acknowledge that The Joyful Investors Pte. Ltd. reserves the right and sole discretion to modify or amend these general practices at any time.

3.6 Mobile services

The Service may include materials and contents available via a mobile device. You acknowledge that your service carrier may charge the standard charges and other fees. You further acknowledge that downloading or the use of certain mobile services may be subjected to restrictions by your carrier.

3.7 Refunds

There shall be no refunds (whether partial or in full amount) for your purchase of the Service, unless otherwise explicitly stated as a promotional clause offered to you upon your purchase of the Service.

4. Privacy

The Joyful Investors Pte. Ltd. takes your privacy seriously. Please refer to our Privacy Policy for more details. By accessing, using and/or purchasing the Service and/or this Site, you agree to our collection and use of your data as outlined in our Privacy Policy.

5. Disclaimers and limitation of liability

The materials provided to you through the Service and/or this Site does not constitute professional investment advice. Please refer to the Disclaimer policy for more details.

You agree that The Joyful Investors Pte. Ltd. will not be liable for any loss or damage of any nature, including but not limited to: loss of data or profit or goodwill, any direct, indirect, consequential, or special losses.

6. Termination

The Joyful Investors Pte. Ltd. reserves the right and sole discretion to immediately suspend or terminate your account for the use of the Service and/or this Site, if we believe that you have acted against these Terms and Conditions. Any suspected unlawful or fraudulent acts that resulted in termination of the use of the Service and/or this Site, may be referred to the law enforcement authorities. You hereby consent that The Joyful Investors Pte. Ltd. will not be held liable to you or any third party for the suspension or termination of your use of the Service and/or this Site. You consent that there shall be no refund of your purchase of the Service, whether in partial or in full.

7. Third party links

The Service and/or this Site may provide links to third party websites and such links are not under the control of The Joyful Investors Pte. Ltd. You agree that The Joyful Investors Pte. Ltd. will not be responsible or liable to you for the products, services and/or any other materials on the third party websites. The Joyful Investors Pte. Ltd. does not guarantee, warrant or endorse the materials listed on the third party websites, whether or not sponsored. You acknowledge that you are subjected to the terms and conditions and any other policies listed on the third party websites if you choose to use the materials and services on the third party websites.

8. Disputes between users

During the course of using the Service and/or this Site, you agree that you are solely and fully responsible for all interactions you have with any other user in connection with the Service and/or this Site. The Joyful Investors Pte. Ltd. will have no liability or responsibility to be involved in any way in the disputes between you and any other user in connection with the Service and/or this Site.

9. Force majeure

In the event that The Joyful Investors Pte. Ltd. fail or is unable to perform any of our obligations under these Terms and Conditions due to any force majeure event beyond The Joyful Investors’ reasonable control, we shall not be liable to you for any loss or damage that result.

10. Indemnification

You hereby agree that you shall indemnify and hold The Joyful Investors Pte. Ltd., its directors, employees, and affiliates harmless against any losses, claims, damages, liabilities and expenses (including but not limited to legal fees) arising from or in relation to your use of the Service and/or this Site.

11. Governing law and jurisdiction

These Terms and Conditions are governed by the laws of Singapore.

12. Contact us

If you would like to contact us with any queries on these Terms and Conditions, please send an email to hello@thejoyfulinvestors.com.