Terms and Conditions

Welcome to TideTrack Financial. These Terms and Conditions govern your use of our online platform and the personal finance management services we provide. By accessing or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.

1. Acceptance of Terms

By using the TideTrack Financial website, you acknowledge that you have read, understood, and agree to abide by these Terms and Conditions, as well as our Privacy Policy. These terms apply to all visitors, users, and others who access or use our service.

2. Services Provided

TideTrack Financial offers resources and guidance on personal finance management, which include:

• Budgeting advice and tools.
• Strategies for improving credit ratings.
• Savings strategies (excluding investment promises or specific investment advice).
• Guidance on debt management.

Please note that TideTrack Financial provides general financial guidance and educational resources. We are not a financial advisory firm, a bank, or a credit counseling agency. The information provided on our site is for informational purposes only and does not constitute professional financial, legal, or tax advice. You should consult with a qualified professional for advice tailored to your specific situation.

3. User Responsibilities

As a user of our service, you agree to:

• Provide accurate, current, and complete information when prompted by our site.
• Use our services only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of our site.
• Not to misuse our site by knowingly introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful.
• Assume full responsibility for your financial decisions and actions based on the information obtained from our site.

4. Intellectual Property

All content on the TideTrack Financial website, including text, graphics, logos, images, and software, is the property of TideTrack Financial or its content suppliers and is protected by international copyright and intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without the prior written consent of TideTrack Financial.

5. Limitation of Liability

TideTrack Financial and its affiliates, directors, employees, agents, suppliers, or licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the service; (ii) any conduct or content of any third party on the service; (iii) any content obtained from the service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

6. Disclaimer of Warranties

Our service is provided on an "AS IS" and "AS AVAILABLE" basis. TideTrack Financial makes no representations or warranties of any kind, express or implied, as to the operation of their services, or the information, content, or materials included therein. You expressly agree that your use of our services, their content, and any services or items obtained through our services is at your sole risk.

7. Indemnification

You agree to defend, indemnify, and hold harmless TideTrack Financial and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of our service, by you or any person using your account and password; b) a breach of these Terms, or c) Content posted on the service.

8. Termination

We may terminate or suspend your access to our service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the service.

11. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

• Address: Western Islands, Singapore, 068807, Singapore
• Phone: +6589847457
• Email: [email protected]