Terms and Conditions of Use

1.1. These Terms establish a legally binding contractual relationship between you and Company. For this reason, PLEASE READ THE TERMS CAREFULLY BEFORE USING THE SERVICES.

1.2. Please also review our Privacy Policy. The terms of the Privacy Policy, along with any supplemental terms, policies, or other documents that may be posted on the Services from time to time, are hereby expressly incorporated into these Terms by reference.

1.3. We may revise and update these Terms from time to time at our sole discretion. If we make changes, we will post the updated Terms on this page and update the “Last modified” date at the top. Depending on the nature of the change, we may also notify you through the Services’ interface, by email, or by other reasonable means, where required by applicable law. Unless stated otherwise, changes will become effective no earlier than fourteen (14) days after they are posted, except for changes related to new features or made for legal reasons, which will take effect immediately. By continuing to use the Services after any changes become effective, you accept and agree to be bound by the revised Terms. If you do not agree with the changes, you should stop using the Services. You are responsible for reviewing this page periodically to stay informed of any updates, as they are binding on you.

1.4. Any version of these Terms in a language other than English is provided for convenience. In case of any differences between the English version and any other translation, the English version shall prevail and shall be the only legally binding version.

1.5. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, OR IF YOU ARE NOT ELIGIBLE OR AUTHORIZED TO BE BOUND BY THESE TERMS, THEN DO NOT DOWNLOAD THE APP OR OTHERWISE ACCESS OR USE THE SERVICES.

2.1. Not a Financial Advice.

2.1.1. HE COMPANY DOES NOT OFFER OR PROVIDE ANY KIND OF FINANCIAL, INVESTMENT, TAX, LEGAL, ACCOUNTING, OR OTHER PROFESSIONAL ADVICE OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY PERSONALIZED RECOMMENDATIONS REGARDING BUYING, SELLING, OR HOLDING SECURITIES, FINANCIAL PRODUCTS, OR INVESTMENT STRATEGIES (COLLECTIVELY, “FINANCIAL SERVICES”).

2.1.2. THE SERVICE IS INTENDED FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND MAY NOT BE SUITABLE FOR YOUR INDIVIDUAL FINANCIAL SITUATION. ANY CONTENT MADE AVAILABLE THROUGH THE SERVICE, EVEN IF IT APPEARS PERSONALIZED, SHOULD NOT BE CONSIDERED A SUBSTITUTE FOR PROFESSIONAL FINANCIAL ADVICE. BEFORE MAKING ANY FINANCIAL DECISIONS, YOU SHOULD CONSULT A LICENSED FINANCIAL ADVISOR OR OTHER QUALIFIED PROFESSIONAL. YOU ACKNOWLEDGE THAT ALL INVESTMENTS INVOLVE RISK, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL, AND THAT YOU ASSUME FULL RESPONSIBILITY FOR ANY INVESTMENT DECISIONS MADE BASED ON THE CONTENT PROVIDED THROUGH THE SERVICE.

2.1.3. YOU SHOULD CONDUCT YOUR OWN INDEPENDENT RESEARCH AND/OR CONSULT WITH A FINANCIAL ADVISOR BEFORE ACTING ON ANY INFORMATION OBTAINED THROUGH THE SERVICE. YOU ARE EXPRESSLY PROHIBITED FROM RELYING ON THE SERVICE FOR FINANCIAL DECISIONS THAT MAY HAVE LEGAL, TAX, OR MONETARY CONSEQUENCES WITHOUT SEEKING PROFESSIONAL ADVICE. YOU ACKNOWLEDGE THAT YOU ARE FULLY RESPONSIBLE FOR YOUR FINANCIAL WELL-BEING AND THE CONSEQUENCES OF YOUR DECISIONS.

2.1.4. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY AGREE THAT WE DO NOT PROVIDE FINANCIAL ADVICE THROUGH THE SERVICE. ALL CONTENT PROVIDED THROUGH THE SERVICE, WHETHER BY US OR THIRD PARTIES, IS FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE INTERPRETED AS PROFESSIONAL ADVICE. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR SUITABILITY OF ANY INFORMATION FOR YOUR SPECIFIC NEEDS. IF YOU HAVE QUESTIONS ABOUT YOUR FINANCIAL SITUATION, PLEASE CONSULT A QUALIFIED PROFESSIONAL.

2.1.5. YOUR USE OF THE SERVICE DOES NOT CONSTITUTE OR CREATE A CLIENT-ADVISOR OR OTHER PROFESSIONAL RELATIONSHIP BETWEEN YOU AND THE COMPANY OR ANY INDIVIDUAL ASSOCIATED WITH THE SERVICE.

2.1.6. IN ADDITION TO ALL OTHER LIMITATIONS AND DISCLAIMERS SET FORTH IN THESE TERMS, THE COMPANY DISCLAIMS ANY LIABILITY FOR LOSSES OR DAMAGES ARISING FROM YOUR RELIANCE ON ANY CONTENT PROVIDED THROUGH THE SERVICE. YOU ARE ENCOURAGED TO SEEK PROFESSIONAL ADVICE BEFORE MAKING ANY FINANCIAL, LEGAL, OR TAX DECISIONS BASED ON INFORMATION ACCESSED THROUGH THE SERVICE.

2.2. Accuracy.

2.2.1. THE COMPANY MAKES REASONABLE EFFORTS TO ENSURE THAT THE INFORMATION PROVIDED THROUGH THE SERVICES IS ACCURATE, COMPLETE, AND CURRENT. HOWEVER, THE COMPANY DOES NOT GUARANTEE, AND EXPRESSLY DISCLAIMS ANY WARRANTY OR REPRESENTATION REGARDING, THE ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, AVAILABILITY, OR SEQUENCE OF ANY INFORMATION, DATA, TEXT, GRAPHICS, OR OTHER MATERIAL PROVIDED THROUGH THE SERVICES, WHETHER ORIGINATED BY THE COMPANY, LICENSED FROM THIRD PARTIES, OR OBTAINED FROM PUBLIC SOURCES. THERE MAY BE OMISSIONS, INACCURACIES, OR DELAYS IN SUCH INFORMATION.

2.2.2. NEITHER THE COMPANY NOR ANY THIRD-PARTY DATA PROVIDER SHALL HAVE ANY LIABILITY, CONTINGENT OR OTHERWISE, FOR (i) ANY INACCURACIES OR ERRORS IN THE INFORMATION PROVIDED THROUGH THE SERVICES; (ii) THE PERFORMANCE OR AVAILABILITY OF ANY SOFTWARE, FEATURES, OR FUNCTIONALITIES OFFERED THROUGH THE SERVICES; (iii) ANY INTERRUPTION OR DELAY IN ACCESS TO OR USE OF THE SERVICES; OR (iv) ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON THE INFORMATION PROVIDED. PAST PERFORMANCE OF ANY FINANCIAL INSTRUMENT, INVESTMENT STRATEGY, OR MARKET DATA DOES NOT GUARANTEE FUTURE RESULTS.

2.2.3. ALL INFORMATION, CONTENT, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. PRODUCT AND SERVICE FEATURES, CONTENT, AND AVAILABILITY ARE SUBJECT TO CHANGE WITHOUT NOTICE.

2.3. Personalization.

WE MAY PROVIDE YOU WITH PERSONALIZED RECOMMENDATIONS OR EXPERIENCES BASED ON INFORMATION YOU SHARE DURING ONBOARDING OR THROUGH YOUR USE OF THE SERVICES. SUCH PERSONALIZATION IS LIMITED TO SELECTING AND ORGANIZING CONTENT AND DOES NOT CONSTITUTE A PERSONALIZED FINANCIAL PLAN, INVESTMENT STRATEGY, OR PROFESSIONAL ADVICE. WHILE WE STRIVE TO OFFER CONTENT THAT IS RELEVANT AND HELPFUL, WE MAKE NO GUARANTEES REGARDING ITS SUITABILITY FOR YOUR INDIVIDUAL CIRCUMSTANCES. YOU SHOULD USE THIS INFORMATION AT YOUR OWN DISCRETION AND SEEK ADVICE FROM A LICENSED PROFESSIONAL BEFORE MAKING FINANCIAL DECISIONS.

3.1. To access certain features of the Services, you may be required to register a user profile (“Profile”) and provide specific information as prompted during the registration process.

3.2. By creating a Profile, you represent and warrant that: (i) all information you submit is truthful, accurate, and complete; (ii) you will maintain and promptly update such information to ensure its accuracy; and iii) your use of the Services does not violate any applicable laws, regulations, or these Terms. Failure to meet these requirements may impair the functionality of the Services and prevent the Company from delivering important notices.

3.3. The Services are intended only for individuals who are at least 18 years old. By using the Services, you represent and warrant that you are at least 18 years of age and have the legal right, authority, and capacity to enter into and comply with these Terms.

3.4. You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Profile. You agree to notify the Company immediately of any unauthorized use or suspected security breach. The Company will not be liable for any loss or damage resulting from your failure to safeguard your Profile.

3.5. The Company reserves the right to suspend or terminate your Profile or access to the Services, with or without notice, if you breach these Terms or if your continued use poses a risk to the Company or other users.

4.1. Permitted Use

The Services are intended solely for your personal, non-commercial use. Unless expressly authorized in writing by the Company, you may not reproduce, duplicate, copy, sell, resell, distribute, license, publish, transfer, or exploit any portion of the Services or content therein for commercial purposes. You may only use the Services:

• for your own individual, non-commercial benefit;

• not on behalf of any third party;

• and in full compliance with all applicable laws and regulations.

4.2. Prohibited Uses

You agree not to:

• sell, rent, sublicense, or otherwise transfer any rights under these Terms;

• reverse engineer, decompile, or disassemble any part of the Services;

• copy, modify, translate, or create derivative works of the Services without prior written consent;

• allow others to use your account or access the Services on your behalf;

• bypass, disable, or circumvent any security or content protection mechanisms;

• use the Services to collect or compile information for competitive purposes;

• use your account for any form of advertising, spam, or unauthorized solicitation;

• upload or transmit content that infringes third-party rights or violates any law;

• post or share content that is hateful, abusive, obscene, pornographic, or otherwise unlawful;

• introduce viruses, malware, or harmful code into the Services.

4.3. AI Assistant

We provide access to an AI assistant that offers general guidance, answers questions, and helps you navigate financial topics. While we strive to ensure that the assistant is helpful and informative, it is not a licensed financial advisor and does not provide professional, personalized, or regulated financial advice.

The assistant’s responses are generated using machine learning models and may occasionally include inaccurate, outdated, biased, or misleading content. You are solely responsible for verifying any information or suggestions before acting on them. Do not share confidential, financial, or sensitive personal information with the assistant.

Prohibited uses include prompting the assistant to generate content that is discriminatory, deceptive, threatening, harassing, unlawful, or that violates these Terms. We reserve the right to moderate interactions with the assistant and restrict access if misuse is detected.

4.4. User Content

Any information or content you provide through the Services (including but not limited to text, images, messages, suggestions, or uploaded files) remains your intellectual property. The Company does not claim ownership of your User Content, but by submitting it, you grant the Company a non-exclusive, transferable, royalty-free license to use, store, process, reproduce, modify, and display such content as reasonably necessary for the operation and improvement of the Services, in accordance with these Terms and our Privacy Policy.

If you choose to upload content (e.g., for analysis or feedback purposes), you may revoke your license at any time by contacting our support team. Upon revocation, the Company will delete such content and cease further use.

5.1. Initial Dispute Resolution

We strive to resolve disputes efficiently and amicably. Before initiating any formal legal proceeding (including arbitration), you agree to first contact us at legal@hypetive.com and support@invest.courses and provide a written description of the issue, your contact information, and any relevant details. We will attempt to resolve the dispute through good-faith negotiations within 45 days of receipt of your notice. Engaging in this informal process is a prerequisite to initiating arbitration, unless otherwise prohibited by applicable law.

5.2. Binding Arbitration Agreement

Except where prohibited by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services ("Dispute") shall be resolved exclusively through final and binding arbitration. This includes disputes regarding the enforceability, scope, or validity of this arbitration provision.

• For users located in the United States: The arbitration shall be administered by Judicial Arbitration and Mediation Services, Inc. (JAMS) in accordance with its Streamlined or Comprehensive Arbitration Rules and Procedures (as applicable), which are incorporated into this clause by reference. The arbitration will be conducted in English by a single neutral arbitrator and may be held virtually unless the parties agree otherwise.

• For users located outside the United States: The arbitration shall be administered by the Singapore International Arbitration Centre (SIAC) in accordance with the SIAC Consumer Arbitration Rules or, if not available, the SIAC Rules in force at the time the notice of arbitration is submitted. The arbitration will be conducted in English by a single neutral arbitrator, and may be conducted virtually or in a location mutually agreed upon by the parties.

Either party may initiate arbitration by sending a written notice of intent to arbitrate that describes the nature of the dispute, the relief sought, and certifies that the informal resolution process was completed. Arbitration shall be confidential, and the arbitrator’s decision will be final and binding.

5.3. Exceptions to Arbitration

Notwithstanding the above, either party may:

• Seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights or prevent unauthorized use of the Services;

• Bring an individual claim in small claims court, if permitted by the court’s rules and within its jurisdiction.

5.4. No Class Actions

To the fullest extent permitted by applicable law, you and the Company agree that any Dispute will be resolved only on an individual basis, and not as a plaintiff or class member in any class or representative proceeding. The arbitrator may not consolidate or join more than one person’s claims and may not otherwise preside over any form of a class, consolidated, or representative proceeding.

5.5. Opt-Out

You may opt out of this arbitration agreement by sending a written notice to legal@hypetive.com within 30 days of your first use of the Services. Your notice must include your name, the email address used to register your account, and a clear statement that you do not wish to resolve disputes with the Company through arbitration.

5.6. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the Republic of Singapore, without regard to conflict of laws principles. If, for any reason, a Dispute proceeds in court rather than arbitration, such proceedings shall be brought exclusively in the courts of Singapore, unless otherwise required by consumer protection laws of your country of residence. If you are a resident of the EEA, Switzerland, the UK, or any country with mandatory consumer protections, nothing in these Terms shall deprive you of the protections granted under the laws of your country of residence.

This arbitration and dispute resolution section shall survive the termination of your use of the Services.

Please send any feedback, comments, requests for technical support, and any other communications relating to the Services to us at support@invest.courses