These Terms of Service ("Terms") govern your access to and use of the website operated by Harbourline Insights Pte. Ltd. (Company Registration No. 202518847K) ("Company", "we", "us", or "our"), including all pages, content, and services made available at harbourline-insights.com and related subdomains (the "Website").
By accessing or using the Website, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, Cookie Policy, and Disclaimer. If you do not agree, you must not use the Website.
1. Nature of our services
The Website provides general information and educational content about listed equity markets. We are an information publisher only. We do not:
- Provide investment advice, financial planning, or personalised recommendations;
- Operate as a broker, dealer, fund manager, or custodian;
- Offer to buy, sell, or arrange transactions in any securities or derivatives;
- Guarantee investment returns or the accuracy of market data.
You are solely responsible for your investment decisions. You should seek advice from a licensed financial adviser or other qualified professional before making financial decisions.
2. Eligibility
You must be at least 18 years of age and have the legal capacity to enter into these Terms. The Website is intended for general informational use. We do not target or solicit users in jurisdictions where our content would violate local law.
3. Account registration
At present, the Website does not require user accounts. If account features are introduced in the future, additional terms may apply at registration.
4. Intellectual property
All content on the Website—including text, graphics, logos, layout, and software—is owned by or licensed to the Company and protected by applicable intellectual property laws. You may view and print content for personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
5. Acceptable use
You agree not to:
- Use the Website for any unlawful purpose or in violation of applicable regulations;
- Scrape, crawl, or harvest data from the Website without permission;
- Attempt to gain unauthorised access to our systems or data;
- Transmit malware, spam, or harmful code;
- Misrepresent your identity or affiliation with the Company;
- Rely on Website content as the sole basis for investment or trading decisions.
6. Third-party links and data
The Website may reference or link to third-party websites, exchanges, or data providers. We do not control and are not responsible for third-party content, availability, or practices. Market figures displayed may be delayed, illustrative, or sourced from third parties without independent verification.
7. Disclaimers
The Website and all content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. See our Disclaimer for additional risk disclosures.
8. Limitation of liability
To the fullest extent permitted by applicable law, the Company and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising from your use of—or inability to use—the Website or reliance on its content, even if we have been advised of the possibility of such damages.
Our aggregate liability for any claim arising out of these Terms or the Website shall not exceed one hundred local currency units (100), except where liability cannot be excluded by law.
9. Indemnity
You agree to indemnify and hold harmless the Company from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms or misuse of the Website.
10. Privacy
Our collection and use of personal data is described in the Privacy Policy, which forms part of these Terms.
11. Modifications
We may update these Terms from time to time. Material changes will be indicated by updating the "Last updated" date. Continued use of the Website after changes constitutes acceptance of the revised Terms.
12. Termination
We may suspend or discontinue the Website, or restrict your access, at any time without notice if we believe you have violated these Terms or for operational reasons.
13. Governing law and disputes
These Terms are governed by the laws of the jurisdiction in which the Company is incorporated, without regard to conflict-of-law principles. Any dispute shall be subject to the exclusive jurisdiction of the courts of that jurisdiction, unless mandatory consumer protection laws provide otherwise.
14. Contact
Harbourline Insights Pte. Ltd.
10 Collyer Quay, #14-02, 049315
Email: [email protected]