Terms of Service

1. Introduction and Acceptance

Welcome to Unrecre Inc ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website at unrecreinc.com and our financial advisory services.

By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. Company Information

Unrecre Inc is a financial advisory company incorporated in Singapore.

3. Services Provided

3.1 Financial Advisory Services

We provide the following financial advisory services:

• Investment planning and advice
• CPF optimization strategies
• Property investment guidance
• Insurance planning
• Tax optimization advice
• Financial education and workshops

3.2 Educational Content

Our website provides educational content including:

• Blog articles on financial topics
• Newsletter updates
• Financial guides and resources
• Market insights and analysis

3.3 Service Limitations

Please note that we:

• Do not provide legal or tax advice (consult qualified professionals)
• Cannot guarantee investment returns or outcomes
• Do not act as a licensed investment dealer or broker
• May refer you to other professionals for specialized services

4. User Responsibilities

4.1 Accurate Information

You agree to:

• Provide accurate and complete information
• Update your information when it changes
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access

4.2 Prohibited Uses

You may not use our website or services to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful or malicious content
• Attempt to gain unauthorized access to our systems
• Use automated systems to scrape or harvest content
• Impersonate others or provide false information

4.3 Age Requirements

Our services are intended for individuals aged 18 and above. By using our services, you confirm that you meet this age requirement.

5. Financial Advice Disclaimer

5.1 General Information

The content on our website and in our communications is for general informational purposes only and should not be considered as:

• Personalized financial advice
• Investment recommendations
• Legal or tax advice
• Guarantees of future performance

5.2 Investment Risks

All investments carry risk, including:

• Potential loss of principal
• Market volatility
• Currency fluctuations
• Inflation risk
• Liquidity constraints

5.3 Due Diligence

You are responsible for:

• Conducting your own research and due diligence
• Consulting with qualified professionals
• Making informed decisions based on your circumstances
• Regularly reviewing your financial situation

6. Fees and Payment

6.1 Service Fees

Our fees for advisory services will be:

• Clearly disclosed before engagement
• Based on the scope of services provided
• Subject to written agreement
• Payable according to agreed terms

6.2 Payment Terms

• Fees are due as specified in our service agreement
• Late payments may incur additional charges
• Refunds are subject to our refund policy
• All fees are subject to applicable taxes

7. Intellectual Property

7.1 Our Content

All content on our website, including text, graphics, logos, and software, is owned by or licensed to Unrecre Inc and is protected by intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our website for personal purposes
• Download and print content for personal use
• Share our content with appropriate attribution

7.3 Restrictions

You may not:

• Reproduce our content for commercial purposes
• Modify or create derivative works
• Remove copyright or proprietary notices
• Use our trademarks without permission

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8.1 Data Security

We implement reasonable security measures to protect your information, but cannot guarantee absolute security.

8.2 Third-Party Services

Our website may integrate with third-party services, each with their own privacy policies and terms of use.

9. Limitation of Liability

9.1 Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, including:

• Merchantability or fitness for a particular purpose
• Accuracy or completeness of information
• Uninterrupted or error-free operation
• Security or freedom from harmful components

9.2 Limitation of Damages

To the maximum extent permitted by law, we shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the fees paid for our services
• Third-party actions or omissions

9.3 Exceptions

Nothing in these Terms limits our liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Violations of applicable consumer protection laws

10. Indemnification

You agree to indemnify and hold harmless Unrecre Inc, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our website or services
• Violation of these Terms
• Infringement of third-party rights
• Your negligent or unlawful conduct

11. Termination

11.1 By You

You may terminate your use of our services at any time by:

• Providing written notice
• Completing any outstanding obligations
• Paying any outstanding fees

11.2 By Us

We may terminate or suspend your access immediately for:

• Violation of these Terms
• Suspected fraud or misuse
• Non-payment of fees
• Legal or regulatory requirements

11.3 Effect of Termination

Upon termination:

• Your right to use our services ceases
• Outstanding obligations remain in effect
• Confidentiality obligations survive
• We may retain data as required by law

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of Singapore, without regard to conflict of law principles.

12.2 Jurisdiction

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the Singapore courts.

12.3 Alternative Dispute Resolution

Before pursuing litigation, we encourage resolution through:

• Direct negotiation
• Mediation
• Arbitration (if agreed upon)

13. Changes to Terms

We may update these Terms from time to time. Changes will be effective when posted on our website. We will notify users of material changes through:

• Website announcements
• Email notifications
• Service notifications

Your continued use of our services after changes constitutes acceptance of the updated Terms.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

15. Contact Information

For questions about these Terms of Service, please contact us:

We will respond to your inquiries within 5 business days.