Terms of Service
Last Updated: 2024 | Yishun, Singapore
1. Subject and Acceptance of Terms
Welcome to Cedargrain. By accessing our website and utilizing our financial literacy guides for expats in Singapore, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service. These terms constitute a legally binding agreement between you and Cedargrain, governed by the laws of the Republic of Singapore.
If you do not agree to these terms, you must immediately cease all use of our platform. Your continued use of the site signifies your ongoing acceptance of these terms and any future modifications.
2. Description of Services
Cedargrain provides educational content, analytical tools, and comprehensive guides regarding the Singaporean banking ecosystem, including but not limited to:
- Analysis of retail and private banking institutions in Singapore.
- Guidance on credit scoring mechanisms (Credit Bureau Singapore).
- Information on remittance, international transfers, and insurance products (Integrated Shield Plans).
Important: Cedargrain is an educational platform. We are not a financial institution, a licensed bank, or a registered financial advisor under the Financial Advisers Act (Cap. 110) of Singapore.
3. Rules of Use and Prohibitions
| Category | Prohibited Actions |
|---|---|
| Content Integrity | Scraping, copying, or redistributing our financial guides without express written consent. |
| System Security | Attempting to bypass security protocols, injecting malware, or disrupting server performance. |
| Legal Compliance | Using the site to facilitate money laundering, fraud, or violation of MAS (Monetary Authority of Singapore) regulations. |
4. Intellectual Property
All content featured on Cedargrain—including logos, text, graphics, data compilations, and software—is the exclusive property of Cedargrain or its content suppliers and is protected by the Copyright Act 2021 of Singapore and international intellectual property treaties.
Users are granted a limited, non-exclusive, non-transferable license to access the content for personal, non-commercial use only. Any unauthorized use terminates the permission granted by Cedargrain.
5. Disclaimer of Warranties
The website and its content are provided on an "as is" and "as available" basis. Cedargrain makes no representations or warranties of any kind, express or implied, as to the operation of the site or the accuracy, completeness, or timeliness of the information provided.
Information regarding interest rates, banking fees, and policy terms is subject to change by third-party institutions without notice. Users should verify all data directly with the respective financial institutions in Singapore.
6. Limitation of Liability
To the maximum extent permitted by Singapore law, Cedargrain shall not be liable for any damages of any kind arising from the use of this site, including but not limited to direct, indirect, incidental, punitive, and consequential damages, or loss of profits, even if advised of the possibility of such damages.
This includes liability for financial losses incurred by users following information found on our platform regarding investments, bank accounts, or insurance policies.
7. Applicable Law and Jurisdiction
These Terms of Service are governed by and construed in accordance with the laws of Singapore. Based on our operational presence in Yishun, any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the Courts of Singapore.
We specifically adhere to the Personal Data Protection Act 2012 (PDPA) regarding any user data management related to these services.
8. Modifications and Contact
Cedargrain reserves the right to make changes to our site, policies, and these Terms of Service at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.
Corporate Details
Entity: Cedargrain
Location: Yishun, Singapore
Address: 6 Yishun Industrial Street 1, Northview Bizhub