Terms of Service

1. Acceptance of Terms

Welcome to Stramriedu. These Terms of Service ("Terms") govern your use of our website located at stramriedu.com and all related services provided by Stramriedu ("we," "our," or "us").

By accessing or using our services, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access our services.

2. Description of Service

Stramriedu provides financial literacy education and training services specifically designed for teenagers and young adults in Singapore. Our services include:

• Educational workshops and programs
• Online resources and content
• Financial literacy assessments
• Personalized guidance and advice
• Newsletter and blog content

3. User Eligibility

Our services are primarily designed for:

• Teenagers aged 13-18 years
• Young adults aged 19-25 years
• Parents and guardians seeking financial education for their children
• Educational institutions in Singapore

Users under 18 years of age must have parental or guardian consent to use our services and provide personal information.

4. User Accounts and Registration

4.1 Account Creation

To access certain features of our services, you may be required to create an account. You must provide accurate, current, and complete information during registration.

4.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

4.3 Account Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms or for any other reason at our sole discretion.

5. Use of Services

5.1 Permitted Use

You may use our services for lawful purposes only and in accordance with these Terms. You agree not 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
• Interfere with the operation of our services
• Use our services for commercial purposes without authorization

5.2 Content Guidelines

Any content you submit or share through our services must be:

• Respectful and appropriate
• Accurate and not misleading
• Original or properly attributed
• Compliant with applicable laws

6. Educational Content and Disclaimer

6.1 Educational Purpose

All content provided through our services is for educational purposes only. Our financial literacy programs, advice, and resources are designed to improve financial knowledge and skills.

6.2 Not Financial Advice

Important Disclaimer: The information provided through our services does not constitute professional financial, investment, legal, or tax advice. We recommend consulting with qualified professionals for specific financial decisions.

6.3 No Guarantees

We do not guarantee specific financial outcomes or results from using our services. Financial success depends on various factors beyond our control.

7. Intellectual Property Rights

7.1 Our Content

All content on our website and services, including text, graphics, logos, images, software, and other materials, is the property of Stramriedu or our licensors and is protected by copyright and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes.

7.3 User Content

By submitting content to our services, you grant us a worldwide, royalty-free license to use, modify, and distribute such content for the purposes of providing our services.

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. Please review our Privacy Policy to understand our practices.

9. Payment Terms

9.1 Fees

Some of our services may require payment of fees. All fees are stated in Singapore Dollars (SGD) and are inclusive of applicable taxes unless otherwise specified.

9.2 Payment Processing

Payments are processed through secure third-party payment processors. You agree to provide accurate payment information and authorize us to charge the specified fees.

9.3 Refund Policy

Refunds may be available for certain services under specific circumstances. Please contact us for information about our refund policy for specific programs or services.

10. Limitation of Liability

To the fullest extent permitted by law:

• Our services are provided "as is" without warranties of any kind
• We shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount paid by you for our services in the 12 months preceding the claim
• We are not responsible for any financial losses resulting from your financial decisions

11. Indemnification

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

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or share

12. Termination

These Terms remain in effect until terminated by either party. We may terminate or suspend your access to our services immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Upon termination, your right to use our services will cease immediately, but the provisions that by their nature should survive termination will remain in effect.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by:

• Posting the updated Terms on our website
• Updating the "Last updated" date
• Sending email notifications to registered users

Your continued use of our services after changes are posted constitutes acceptance of the new Terms.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of Singapore. Any disputes arising from these Terms or your use of our services will be subject to the exclusive jurisdiction of the courts of Singapore.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will remain in full force and effect.

16. Contact Information

If you have any questions about these Terms of Service, please contact us: