Agreement to Terms
By accessing and using the DilibaApia website (dilibappia.com) and our financial literacy services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.
About Our Services
DilibaApia provides educational content and resources focused on financial literacy for teenagers in Singapore. Our services include:
- Educational articles and blog posts
- Financial literacy guides and resources
- Newsletter subscriptions
- Online educational content
Eligibility and User Requirements
Age Requirements
- Our services are primarily designed for teenagers aged 13-19
- Users under 18 should have parental awareness of their use of our services
- Users under 13 must have explicit parental consent
Account Responsibilities
- Provide accurate and truthful information
- Maintain the security of any account credentials
- Notify us immediately of any unauthorized use
- Use our services for lawful purposes only
Educational Nature of Content
Information Purposes Only
All content provided by DilibaApia is for educational and informational purposes only. Our content:
- Does not constitute professional financial advice
- Should not replace consultation with qualified financial advisors
- Is not personalized to your specific financial situation
- May not be suitable for all circumstances
No Financial Advisory Relationship
DilibaApia and its representatives do not provide personalized financial planning, investment advice, or tax guidance. Always consult with qualified professionals before making financial decisions.
Acceptable Use Policy
Permitted Uses
- Learning about financial literacy concepts
- Sharing our content for educational purposes (with attribution)
- Participating in discussions and providing feedback
- Subscribing to our newsletter
Prohibited Activities
You may not use our services to:
- Violate any applicable laws or regulations
- Infringe on intellectual property rights
- Transmit harmful or malicious code
- Attempt to gain unauthorized access to our systems
- Interfere with other users' experience
- Use automated tools to scrape or harvest content
- Distribute spam or unsolicited communications
Intellectual Property Rights
Our Content
All content on DilibaApia, including text, graphics, logos, images, and software, is the property of DilibaApia or its licensors and is protected by copyright and other intellectual property laws.
User Content
By submitting content to our website (comments, feedback, etc.), you grant us a non-exclusive, royalty-free license to use, reproduce, and distribute your content for educational purposes.
Fair Use
You may quote brief excerpts from our content for educational or commentary purposes, provided you include proper attribution and a link to the original source.
Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.
Disclaimers and Limitations
No Warranties
Our services are provided "as is" without warranties of any kind, either express or implied, including:
- Accuracy or completeness of information
- Fitness for a particular purpose
- Non-infringement of third-party rights
- Uninterrupted or error-free operation
Limitation of Liability
To the maximum extent permitted by law, DilibaApia shall not be liable for:
- Any financial losses resulting from use of our content
- Indirect, incidental, or consequential damages
- Loss of profits, data, or business opportunities
- Actions taken based on our educational content
External Links and Third-Party Content
Our website may contain links to third-party websites or services. We do not endorse or assume responsibility for:
- The content or practices of linked websites
- Products or services offered by third parties
- The accuracy of external information
- Privacy practices of other websites
Newsletter and Communications
Subscription Terms
- Newsletter subscriptions are voluntary and free
- You can unsubscribe at any time
- We will not share your email with third parties for marketing
- Communication frequency may vary based on content availability
Content Guidelines
- Newsletter content is for personal use only
- Do not redistribute without permission
- Report any technical issues promptly
Termination of Services
Your Right to Terminate
- You may stop using our services at any time
- Unsubscribe from communications as desired
- Request deletion of your personal data
Our Right to Terminate
We may suspend or terminate your access if you:
- Violate these Terms of Service
- Engage in prohibited activities
- Pose a security risk to our systems
- Provide false information
Singapore Law and Jurisdiction
These Terms of Service are governed by the laws of Singapore. Any disputes arising from these terms will be subject to the exclusive jurisdiction of Singapore courts.
Changes to Terms of Service
We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on our website. We will notify users of material changes through:
- Website announcements
- Email notifications (for subscribers)
- Updated "Last modified" date
Severability
If any provision of these Terms of Service is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.
Contact Information
For questions about these Terms of Service, please contact us:
- Email: [email protected]
- Phone: +65 6789 1234
- Address: 152 Beach Road, #33-04, Gateway East, Singapore 189721
- Business Hours: Monday - Friday: 9:00 AM - 6:00 PM, Saturday: 9:00 AM - 1:00 PM
Acknowledgment
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.