1 General

1.1 In using Millionaireasia Pte Ltd’s (“MA”) websites, which include but are not limited to “https://www.millionaireasia.com/” (the “Website”) and MA’s products and services (“Services”), you accept and agree to be bound by the following terms and conditions (“Terms”). If you do not accept these Terms, you may not use this Website and/or MA’s Services. 

1.2 The Terms form part of (and should be read in conjunction with) the terms and conditions governing your contractual and commercial relationship with us and under which MA provides its Services to you. 

1.3 By accessing and browsing through the website, or otherwise purchasing MA’s products and services: (a) you agree to be bound by the Terms and any of the related policies and/or guidelines, including any subsequent changes or modifications to them; and (b) you agree and consent to MA as well as its authorised agents, authorised service providers, related and/or associated companies and relevant third parties collecting, using, disclosing and/or sharing your personal data in the manner set forth in these Terms. 

1.4 These Terms supplement but do not supersede nor replace any other consent(s) which you may have previously provided to MA. 

1.5 MA may from time to time update these Terms, at its sole discretion and without prior notice. The amended Terms shall be effective as soon as it is published on the Website. Please review these Terms periodically as your continued use of the Website and MA’s Services is deemed acceptance of any revised Terms in force at the time. 

1.6 You may terminate these Terms by giving fourteen (14) days’ written notice to MA. 

1.7 If you have any queries about these Terms, you may email them to admin@millionaireasia.com 

2 Use of the Website and MA’s Services 

2.1 Your attention is drawn to MA’s Privacy Policy as set out in MA’s Website. This Website and/or MA’s Services is not directed at any person in a jurisdiction where access to and/or use of MA’s Services is prohibited. You are responsible for ensuring that you are in compliance with all laws, regulations and rules applicable to you in relation to your use of the Website and/or MA’s Services. 

2.2 All content contained in the Website and/or provided to you in connection with MA’s Services (the “Content”) may be viewed for your personal reference only. Such permitted usage does not extend to the logos, name and branding of MA. The permitted usage also does not include exploitation of the Content for commercial gain. All other uses of the Content require the prior written consent of MA. MA is not obliged to give such consent. 

2.3 Without limiting your obligations under the applicable laws, you must not: (a) use the Website or MA’s Services for any illegal purposes; (b) attempt to gain unauthorised access to or otherwise interfere or disrupt other computer systems or networks connected to the Website or MA’s Services; (c) interfere with another’s utilisation and enjoyment of the Website and/or MA’s Services; (d) use or upload, in any way, any software or material that contains, or which you have reason to suspect that contains, viruses, damaging components, malicious code or harmful components which may impair or corrupt the Website’s data or damage or interfere with the operation of another person’s computer or mobile device or the Website or MA’s Services; (e) engage in any activity or act that would violate intellectual property rights in the Website and/or MA’s Services; and (f) use or attempt to use another user’s account, service or personal information as they apply to the Website and/or MA’s Services. 

2.4 You must keep confidential your usernames and passwords as they apply to the Website and/or MA’s Services. 

3 MA’s Platform 

3.1 MA is in the business of providing training services. Its primary objective is to promote learning and personal and professional growth, which it endeavours to do by organising training courses and knowledge sharing events and providing ancillary services. 

3.2 MA does not conduct any business in the nature of financial advisory service or recruitment of financial adviser representatives. MA is not licensed to conduct any such business nor does it intend to hold any such licenses. MA is not a platform for users to conduct any financial advisory service or recruitment of financial adviser representatives, whether directly or indirectly. MA takes a very serious view on this matter and will take all necessary measures to ensure that users do not exploit the MA platform to conduct any such prohibited business. 

3.3 In the event that you are found to be using MA’s Services to conduct any financial advisory service, recruitment of financial adviser representatives or any such business that MA deems to be improper or abusive, MA reserves the right to immediately terminate your user account and all services provided to you, without any refund whatsoever. MA will also take necessary action against you, including but not limited to making a report to the relevant authorities. 

3.4 If you are aware of any of MA’s users who are involved, whether directly or indirectly, in the conduct of such prohibited activities as described in this Clause 3 through MA’s platform, please report the matter to MA by email to admin@millionaireasia.com so that MA may take immediate and necessary action. 

4 MA User Accounts 

4.1 Certain services that may be made available on the Website may require creation of an account with MA or for you to provide personal data. If you request to create an account with MA, a username and password may either be: (i) determined and issued to you by MA; or (ii) provided by you and accepted by MA in MA’s sole and absolute discretion in connection with the use of the Website and/or MA’s Services. (a) You agree that as an account holder, your access to the Website and/or MA’s Services is granted by MA to you solely in your capacity as an account holder. You shall not provide such access to the Website and/or MA’s Services to any third party, whether directly or indirectly. (b) You agree that as an account holder, you will abide by such access restrictions as may be stipulated by MA from time to time, including but not limited to the number of devices or unique IP addresses that are used to access your account and the sharing of account usernames and passwords with any third party. (c) In the absence of any access restrictions otherwise expressly stipulated by MA, your access to your user account is limited to a maximum of three (3) devices. At any point in time, only one (1) device will be provided with access to live streaming of online courses, recorded lesson videos and course preview videos. (d) You agree that you will not assume a false identity or the identity of another user when using the Website and MA’s Services. 

4.2 You agree that you will not create an account, or multiple accounts: (a) that is intended to thwart a previous ban or suspension; (b) that is intended to circumvent any existing referral programme(s) and the terms and conditions thereunder to which you are subject; and (c) that breaches any terms and conditions applicable to you. 

4.3 MA may at any time in its sole and absolute discretion, request that you update your personal data or forthwith invalidate the username and/or password without giving any reason or prior notice and shall not be liable or responsible for any losses suffered by or caused by you or arising out of or in connection with or by reason of such request or invalidation. 

4.4 You agree to change your password from time to time and to keep the username and password confidential and shall be responsible for the security of your account and liable for any disclosure or use (whether such use is authorised or not) of the username and/or password. 

4.5 You agree to notify MA immediately if you have knowledge or have reason for suspecting that the confidentiality of the username and/or password has been compromised or if there has been any unauthorised use of the username and/or password or if your personal data requires updating. 

4.6 Access to and use of password protected and/or secure areas of the Website and/or services provided by MA are restricted to users with accounts only. You shall not obtain or attempt to obtain unauthorized access to such parts of the Website or MA’s Services, or to any other protected information, through any means not intentionally made available by us for your specific use. 

4.7 You agree and acknowledge that any access of the Website and/or MA’s Services referable to your username and password shall be deemed to be, as the case may be: (i) access to the Website and/or MA’s Services by you; or (ii) information, data or communications posted, transmitted and validly issued by you. 

4.8 You agree to be bound by any access of the Website and/or MA’s Services (whether such access or use are authorised by you or not) and you agree that MA shall be entitled (but not obliged) to act upon, rely on or hold you solely responsible and liable in respect thereof as if the same were carried out or transmitted by you. You further agree and acknowledge that you shall be bound by and agree to fully indemnify us against any and all losses attributable to any use of the Website and/or MA’s Services referable to your username and password. 

4.9 You agree and acknowledge that MA, in its sole and absolute discretion, may with immediate effect upon giving you notice, terminate your use of the Website and/or MA’s Services and/or disable your username and password. MA may bar access to the Website and/or MA’s Services (or any part thereof) for any reason whatsoever, including a breach of any of these Terms or where if MA believe that you have violated or acted inconsistently with any terms or conditions set out herein, or if in MA’s opinion or the opinion of any regulatory authority, it is not suitable to continue providing the services in relation to the Website and/or MA’s Services. In such an event, you will not be entitled to any refund of course fees or have any claims whatsoever against MA. 

5 Payments 

5.1 Payments of MA’s Services may be made directly on the Website via a credit or debit card, or via such other method of making payment as is made available by MA. 

5.2 MA complies strictly with all applicable anti-money laundering and anti-terrorism laws and adheres to these standards in preventing the use of its products and services for money laundering purposes. MA may require that you submit additional identification documents prior to you making a purchase at our sole discretion. You shall ensure that any information or data you provide to MA in connection with your purchase is accurate. 

6 Intellectual Property 

6.1 All copyright, patents, utility innovations, trademarks and service marks, geographical indications, domain names, layout design rights, registered designs, design rights, database rights, trade or business names, rights protecting trade secrets and confidential information, rights protecting goodwill and reputation, and all other similar or corresponding proprietary rights and all applications for the same, whether presently existing or created in the future, anywhere in the world, whether registered or not, and all benefits, privileges, rights to sue, recover damages and obtain relief or other remedies for any past, current or future infringement, misappropriation or violation of any of the foregoing rights in the Website and/or MA’s Services are owned, licensed to or controlled by MA (the “Intellectual Property”). MA reserves the right to enforce its Intellectual Property to the fullest extent of the law. 

6.2 No part or parts of the Website and/or MA’s Services may be reproduced, reverse engineered, decompiled, disassembled, separated, altered, distributed, republished, displayed, broadcast, hyperlinked, mirrored, framed, transferred or transmitted in any manner or by any means or stored in an information retrieval system or installed on any servers, system or equipment without MA’s prior written permission or that of the relevant copyright owners. Subject to Clause 6.3 below, permission will only be granted to you to view the Content for personal and non-commercial uses, provided that you do not modify the Content and that MA or the relevant copyright owners retain all copyright and other proprietary notices contained in the Content. 

6.3 All trademarks, service marks, trade names and logos used and displayed on the Website and/or through MA’s Services (“Trademarks”) are registered and unregistered trademarks of MA or third parties. Nothing on the Website, in MA’s Services and these Terms shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use (including as a meta tag or as a “hot” link to any other website) any Trademarks displayed on the Website and/or through MA’s Services, without MA’s written permission or any other applicable trademark owner. 

6.4 You agree that in the event that any Intellectual Property is created, maintained, kept in your possession without MA’s written consent, used, exploited by you or any third party through your consent or assistance, or disclosed by you to any third party whether directly or indirectly, for any purpose other than the purpose other than the purpose expressly consented to by MA in writing, you shall be liable to pay to MA: (a) a reasonable license fee for the use, disclosure or exploitation equivalent to the loss suffered by MA for such unauthorised use, disclosure or exploitation; or (b) a reasonable license fee for the use, disclosure or exploitation equivalent to the profits or benefits gained by you for such use, disclosure or exploitation. 

6.5 In the event that MA consents in writing to the use, disclosure or exploitation of the Intellectual Property by you, such consent shall be equivalent to a grant by MA to you of a non-exclusive license to use the Intellectual Property in accordance with and limited to the purposes stated in the written consent. 

6.6 When you participate in MA’s Services, including but not limited to MA’s training courses, you might be participating in an event where photography, video and audio recording may occur. By participating in MA’s Services: (a) You consent to interview(s), photography, audio recording, video recording and its/their release, publication, exhibition, or reproduction to be used for promotional purposes, telecasts, advertising, inclusion on websites, or for any other commercial purpose(s) that MA, its vendors, partners, affiliates and/or representatives deems fit to use. You release MA, its officers and employees, and each and all persons involved from any liability connected with the taking, recording, digitising or publication of interviews, photographs, computer images, video and/or sound recordings. (b) You waive all rights you may have to any claims for payment or royalties in connection with any exhibition, streaming, webcasting, televising or other publication of these materials, regardless of the purpose or sponsoring of such exhibiting, broadcasting, webcasting, or other publication irrespective of whether a fee for access or sponsorship is charged. You also waive any right to inspect or approve any photo, video, or audio recording taken by MA or the person or entity designated to do so by MA. (c) MA’s Services will be monitored for unauthorised recording. You agree not to record or digitise any parts of the presentation. If you attempt to use a recording device, you consent to your immediate removal from MA’s Services and forfeiture of the device. (d) You have been fully informed of your consent, waiver of liability, and release before participating in any of MA’s Services. 

7 Third Party Vendors 

You acknowledge that parties other than MA and its related parties (i.e. “Third Party Vendors”) may list and sell products on the Website. Products listed for sale by Third Party Vendors will be indicated as such. If you purchase product(s) sold by Third Party Vendors, each agreement entered into for the sale and purchase of a Third Party Vendor’s product(s) shall be an agreement entered into directly between you and the Third Party Vendor only. 

8 Data Privacy and Confidentiality 

8.1 If you supply personal data and other information through the Website and/or MA’s Services, then you consent to MA maintaining, using and disclosing such personal data and other information as MA solely may deem necessary in order to maintain the Website and/or provide MA’s Services. 

8.2 If you supply MA with information on behalf of another individual or about your individual representatives, you are to ensure that such individual or representative are aware (i) of these Terms and (ii) that they can contact MA by email to enquiry@millionaireasia..com if they want to have access to the information that MA holds about them, to correct any of that information or to request MA to cease using their contact details to send communications to them. 

8.3 MA takes reasonable precautions to protect the security and privacy of your use of the Website and/or MA’s Services. However, MA reserves the right to disclose such information as may be required by it under the law. 8.4 You agree to keep confidential any information provided on the Website and/or through MA’s Services. 

9 Disclaimer and Limitation of Liability 

9.1 You should ensure that you have appropriate internet security arrangements in place when accessing the Website and/or MA’s Services. 

9.2 The Website and/or MA’s Services contain information which are made available “as in” and there are no responsibilities or warranties (express or implied) as to the accuracy, quality or fitness for any particular purpose of the Website and MA’s Services or the contents provided therein. 

9.3 The Website and/or MA’s Services may contain third party content, which is provided “as is”, without representation or warranty of any kind. MA does not warrant the accuracy, timeliness, completeness, adequacy, truthfulness or fitness for any particular purpose of any third party content, and MA shall not be liable to any party with respect to any actual or alleged inaccuracy, untimeliness, incompleteness, inadequacy, untruthfulness or unfitness. Furthermore, whilst MA will exercise a reasonable degree of care and skill to review third party content uploaded to Website, it shall not be liable for any breach of intellectual property or other proprietary right asserted by a party who is not the third party content provider. If you are concerned about a potential breach of your intellectual property rights, please let us know by email to admin@millionaireasia.com 

9.4 MA shall not be responsible for the privacy policies and practices of other sites even if you access them using links from our Website and recommend that you check the privacy policy of each site you visit and contact its owner or operator if you have any concerns or questions. A link from the Website to an external website is not an endorsement or recommendation. 

9.5 If you have accessed this Website through a link from a third-party site, MA shall not be responsible for the privacy policies and practices of the owners or operators of that third party site and recommend that you check the privacy policy of that third party site and contact its owner or operator if you have any concerns or questions. 9.6 To the extent permitted by law, MA shall not be liable under any circumstances for any loss or damage of any kind including, without limitation, any direct, special, indirect or consequential loss or damage, arising out of or in connection with the access or use of the Website and/or MA’s Services, from any reliance that may be placed by any person on any information of whatever nature which may be made available to that person as a result of using the Website and/or MA’s Services, or from the violation of any of the provisions of these Terms by any users. 

10 No Recording 

10.1 Upon your successful registration to any course(s) conducted by MA, you agree: (a) that you shall not whether directly or indirectly, whether yourself or through third parties create, make, maintain or receive from third parties, any copies and/or recordings of any content created by MA and/or any party related to MA by photographic or electronic means whether electronic or digital medium or otherwise on which an image is reproduced or from which an image may by any means be produced and shall include any files, copies of documents, media or prints howsoever stored or reproduced or any sound or video recordings made or created by MA and/or any party related to MA including a recording of sound or image from which sounds or images may be reproduced or a recording of the whole or part of a work or meeting or presentation from which sounds or images reproducing any content created by MA and/or any party related to MA may be produced (regardless of the medium in which the recording is made or the method by which the sounds are reproduced or produced) (the “Prohibited Content”) without the written consent of MA; (b) that if you have possession or custody of or control over, any Prohibited Content, you shall immediately disclose such information in writing to MA, immediately irreversibly destroy such Prohibited Content and furnish to MA objective evidence that such irreversible destruction has been carried out; (c) that if requested to do so by MA, you shall make a statutory declaration confirming that you do not have possession, custody or control of any Prohibited Content or that you had completely and irreversibly destroyed all Prohibited Content in your possession, custody or control; and (d) that you shall not disclose to any third party or use any Prohibited Content without the written consent of MA. 10.2 You acknowledge that the Prohibited Content are MA’s proprietary products which are of significant commercial value and importance to MA and have been provided to you by MA in confidence solely for the purpose authorised by MA and that the Prohibited Content are provided to you by MA in good faith. 

11 Refund Policy 

11.1 MA’s refund policy is set out (if applicable) as follows: (a) Courses and Programmes: You shall be entitled to a full refund of fees paid by you provided that you give at least three (3) days’ notice prior to the date of the course / programme (as the case may be). (b) Product and Services: You shall be entitled to a full refund of payment according to the “Lemon Law” as stipulated by the regulations (c) Deposit: You may be required to pay a non-refundable deposit for certain services provided by MA (the “Deposit”). Such Deposits are used to (among other things) secure the availability of MA’s service providers and other logistics in advance. You acknowledge and agree that Deposit are strictly non-refundable. 11.2 In the event of over-subscription, participants who did not manage to secure participation in the course shall have their course fees fully refunded. Subject to availability, participants may request in writing to MA to be transferred to the next available course. 

12 Cancellation and Non-Attendance Policy (if applicable) 

12.1 Upon successful registration, you are deemed to have accepted all of the terms and conditions contained in these Terms. Once your registration is successful, a confirmation email will be sent to you via the contact details provided by you. In the event of your failure to attend without any written notice in advance in accordance with the provisions in Clause 11 above, you shall not be entitled to any refund.

12.2 You acknowledge that MA reserves the right to cancel or to make any amendments (date and/or time) to any of its courses and programmes. In the event of any cancellation by MA, participants will be entitled to full refund. 

12.3 In the event that MA (for any reason whatsoever) is unable to conduct any of its courses / programmes as scheduled, MA reserves the right to reschedule the same to an alternative date. 

13 Notices 

13.1 All notices or other communications given to you if: (a) communicated through any print or electronic media as MA may select will be deemed to be notified to you on the date of publication or broadcast; or (b) sent by post or left at your last known address will be deemed to be received by you on the day following such posting or on the day when it was so left. 

13.2 You may only give notice to MA in writing sent to MA’s registered address (111 Somerset Road, #08-05 Singapore 238164) or e-mail address (admin@millionaireasia.com), and MA shall be deemed to have received such notice only upon receipt. MA shall endeavour to respond promptly to notices from you but cannot guarantee that it will always respond with consistent speed. 

13.3 Notwithstanding Clauses 13.1 and 

13.2 above, MA may from time to time designate other reasonable modes of giving notices (including but not limited to e-mail or other forms of electronic communication such as WhatsApp or Telegram) and the time or event by which such notice shall be deemed given. 

14 Governing Jurisdiction 

These Terms shall be governed by and construed in accordance with Singapore law. Any dispute arising out of the use or inability to use the Website and/or MA’s Services shall be subject to the non-exclusive jurisdiction of the Singapore courts. 

Millionaireasia Pte Ltd 

1 Jul 2024