Privacy and Data Policy | Terms of Use | Disclaimer

JLAW PRODUCTION PTE. LIMITED

TERMS OF USE, PRIVACY & DATA POLICY, COOKIES POLICY & DISCLAIMERS

(INCLUDING PROGRAM-SPECIFIC ADDITIONAL TERMS)

Last Updated: 4 February 2026

Effective Date: 4 February 2026

IMPORTANT NOTICE

• The Sites and Services are provided for educational and informational purposes only.

• Nothing on the Sites or in the Services constitutes financial, investment, legal, tax or other professional advice.

• Investing and trading involve risk and you may lose some or all of your capital (and in some cases more).

CONTACT / SUPPORT

If you wish to unsubscribe, request access/correction of your Personal Data, withdraw consent, opt out of marketing, or have questions about these Policies, please contact:

JLAW PRODUCTION PTE. LIMITED

1 RAFFLES PLACE, #21-01, ONE RAFFLES PLACE, SINGAPORE 048616

Email: support@JLawStock.com

PART 1 — TERMS OF USE

INTRODUCTION, DEFINITIONS AND INTERPRETATION

1.1 About us

We are JLAW PRODUCTION PTE. LIMITED (UEN: 202414048E) (“JLAW”, “we”, “us” or “our”).

1.2 The Sites and the Services

We provide access to online courses, programs, live study sessions, webinars, coaching sessions, discussion groups/community spaces, tools, and related educational and informational materials (collectively, including any new features, the “Services”) through our websites and online properties, including:

• JLawStock.com

and any of their sub-domains, pages, or successor/associated domains we operate from time to time (collectively, the “Sites”).

1.3 Agreement to these Terms

By visiting, registering for, purchasing, accessing or using the Sites and/or the Services, you agree to be bound by these Terms. If you do not agree, do not use the Sites or the Services.

Where you provide us with Personal Data, you acknowledge that we will process such Personal Data in accordance with Part 2 (Privacy & Data Policy).

1.3A Electronic contract; clickwrap acceptance

These Terms are an electronic contract. Where the Sites/Services require you to click “I agree”, “Accept”, “Purchase”, “Subscribe”, or similar buttons/checkboxes at checkout, registration, or login, you agree that such actions constitute your electronic signature and acceptance of these Terms (and any Additional Terms presented to you). You also agree that we may provide you with notices, disclosures, and communications electronically.

1.4 Additional Terms

Certain content, products or features may be subject to additional terms (“Additional Terms”), including the Program-Specific Additional Terms in Part 5 where presented to you. Where applicable, Additional Terms will be presented to you at the time you subscribe to, sign up for or purchase the relevant content, product or feature. Additional Terms form part of these Terms. If there is a conflict, the Additional Terms prevail only for the relevant content, product or feature.

1.5 Definitions

“Content” means any content or materials made available on or through the Sites/Services (including videos, lessons, slides, text, graphics, audio, replays, templates, tools, community posts and downloadable materials), and the structure, selection, coordination and arrangement of such materials, excluding User Content.

“User Content” means any content you upload, post, submit, transmit or make available via the Services (e.g., forum posts, comments, questions, files).

“Recurring Subscription” means a subscription plan that renews automatically until cancelled.

“Fixed-Term Plan” means a plan advertised as a fixed-term commitment (e.g., 3-month, 6-month or 12-month plan) which may be billed in advance or by instalments.

“Instalment Billing” means paying a Fixed-Term Plan through scheduled instalments rather than a single upfront payment.

“Community Spaces” means any message board, forum, chat room, comments area, live session chat, and any community or messaging channels hosted by us or on third-party platforms we use to deliver community features (including Telegram/Discord/Circle/Slack, where applicable) or similar interactive features.

1.6 Interpretation

Clause headings are for convenience only and do not affect interpretation. “Including” means “including without limitation”.

1.7 Eligibility and capacity

You represent and warrant that:

(a) our Sites are not directed to children under 13, and you are at least 13 years old;

(b) if you are under 18 (or otherwise not of legal age to form a binding contract where you live), you have permission from a parent or legal guardian to use the Sites/Services, and (where you make a purchase or create an account) your parent/guardian has reviewed and agrees to these Terms on your behalf; and

(c) you have the capacity, power and authority to enter into these Terms and to comply with them (or, where applicable, your parent/guardian has such capacity and authority and is responsible for your use).

We may restrict access to certain content or features based on age.

1.8 Access from outside Singapore

We control these Sites from Singapore. We do not represent that materials on the Sites are appropriate or available for use in other locations. If you access from other locations, you do so on your own initiative and are responsible for compliance with local laws, if and to the extent applicable.

CHANGES TO THESE TERMS

2.1 Updates

We may change these Terms from time to time. Where practicable, we will notify you in advance of material changes and specify an effective date (“Effective Date”).

2.2 Acceptance

Your continued use of the Sites or Services on or after the Effective Date constitutes acceptance of the updated Terms.

PRIVACY

3.1 Privacy & Data Policy

Our Privacy & Data Policy in Part 2 forms part of these Terms and describes how we collect, use, disclose and otherwise process personal data.

3.2 Cookies

Our Cookies Policy in Part 3 forms part of these Terms and describes how we use cookies and similar technologies.

INVESTMENT, EDUCATION AND INFORMATION DISCLAIMERS

4.1 No financial advice; no solicitation

Nothing on the Sites or in the Services constitutes financial advisory services, a recommendation, a “trade call”, or a solicitation or offer to buy or sell any securities or capital markets products, and it is not professional advice of any kind. No consideration has been made or will be made with reference to your personal financial circumstances. Any coaching is provided for educational purposes (skills/process) and does not include personalised recommendations to buy/sell/hold any product.

4.2 You are responsible for your decisions

You should seek advice from appropriately qualified professionals before making financial or investment decisions. Any decision to invest or trade is solely yours and you accept the risks involved, including the risk of losing some or all of your investment (or more).

4.3 Past performance

Past performance does not necessarily indicate future results. Any examples, case studies, methodologies, backtests or historical information are illustrative only.

4.4 Opinions; data accuracy

Where we provide market-related information (e.g., quotes, charts, articles, commentary), it may be based on personal opinions and/or third-party sources. We do not warrant the timeliness, completeness or accuracy of such information.

4.5 Earnings/results

We do not promise “get rich quick” results or any particular outcomes. Your results depend on many factors, including experience, risk tolerance, discipline, and market conditions.

4.6 Third-party speakers and resources

Guest speakers and third-party resources are independent. We do not endorse or guarantee their views, products, or services and are not responsible for losses arising from them.

4.7 Conflicts of interest; holdings; compensation disclosures

We, our instructors, employees, contractors, guests and/or affiliates may from time to time have a position in (or buy/sell) securities, digital assets or other products discussed in the Content, and such positions may be inconsistent with the views expressed. We may also receive compensation, referral fees, sponsorship fees, advertising fees, or other benefits in connection with certain third-party products, platforms, tools or services mentioned or linked through the Sites/Services.

Where required by applicable law, we will disclose such relationships in the relevant Content or at the point of referral. Where not legally required, we may also provide disclosures where we consider it appropriate and practicable. However, you should not assume that any mention of a product or platform is unbiased or that any disclosure is exhaustive.

4.8 No fiduciary duty

You acknowledge that we do not owe you any fiduciary duty and do not act as your adviser, broker, agent, or representative. You are solely responsible for evaluating any information and deciding whether to act on it.

4.9 Regulatory status (Singapore)

Unless expressly stated otherwise in writing by us, we are not licensed or otherwise authorised by the Monetary Authority of Singapore (“MAS”) to provide financial advisory services under the Financial Advisers Act 2001 or to deal in capital markets products under the Securities and Futures Act 2001. We provide educational and informational content only and do not hold ourselves out as providing any regulated financial service.

4.10 No trading signals; no execution; no managed accounts

We do not provide a trade execution service. We do not place trades on your behalf and we do not operate any managed account service.

Unless expressly stated otherwise in writing in applicable Additional Terms for a specific product, we do not provide “signals”, “alerts”, “copy-trading”, “auto-trading”, or instruction-based services intended to direct your transactions.

4.11 Sponsored content, referrals and affiliate links

Some Content may refer to third-party products or services (for example, brokerage platforms, software tools, events or educational resources). Where we receive a commission, referral fee, sponsorship fee, rebate, non-monetary benefit or any other form of compensation in connection with such references, we will disclose that relationship in the relevant Content or at the point of referral, where required by applicable law.

Your dealings with any third party are solely between you and that third party, and are subject to the third party’s own terms and policies. We do not guarantee and are not responsible for any third party’s acts, omissions, performance or services.

ACCESS AND USE OF THE SERVICES

5.1 Licence for personal, non-commercial use

Subject to these Terms and your payment of applicable fees (if any), we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services and Content solely for your personal, non-commercial educational and informational purposes.

5.2 Restrictions

You agree that you will not:

(a) copy, reproduce, republish, upload, post, transmit, distribute, resell, rent, lease or otherwise exploit any part of the Services or Content for commercial purposes;

(b) share, sell, transfer or sublicense your account, subscription, login credentials or access to any other person;

(c) circumvent access controls, security features, paywalls, device limits or geo-restrictions;

(d) scrape, crawl, data-mine, use robots or similar automated data extraction methods on the Sites or Services;

(e) reverse engineer, decompile or attempt to discover source code of any software or tools (except to the extent such restriction is prohibited by law);

(f) remove or alter copyright, trademark or proprietary notices, watermarks, or access-control measures;

(g) record, film, photograph, livestream, or create audio/video/screen recordings of any Content or live sessions, or systematically screenshot/screen-capture Content, except as we expressly permit in writing (and if permitted, solely for your personal use and without further distribution);

(h) share paid Content (including screenshots, clips, recordings, replays, files, or downloads) on any platform, including messaging apps, social media, or file-sharing services; and/or

(i) use, reproduce or repurpose our Content (including slides, templates, tools, recordings, downloads, and course/program structure) to create competing courses, programs or tools, or to train or coach others commercially, without our prior written consent.

(j) access, use, or process any Content for the purpose of developing, training, or testing any artificial intelligence, machine learning, or other automated systems, algorithms, or models.

5.3 Device and session limits

Unless otherwise stated for a specific product or plan, you may access the Services on a reasonable number of your personal devices (e.g., desktop, laptop, tablet, phone), provided that:

(a) you do not share your access with others; and

(b) we may enforce reasonable limits on concurrent sessions, device registrations, and unusual login activity for security and anti-sharing purposes.

5.4 Downloadable materials

If we explicitly permit downloads, you may download materials solely for personal use. You must keep all copyright and proprietary notices intact.

5.5 Revocation or suspension of access

We may suspend or revoke your licence and/or access to the Services if we reasonably believe you have breached these Terms, engaged in fraud, shared access, compromised security, violated law, or otherwise used the Services in a manner that may cause harm to us, other users, or third parties.

5.6 Monitoring and enforcement

To protect the integrity of the Services and prevent unauthorised sharing or misuse, we may use reasonable measures such as access logs, device/session controls, content watermarks, and anomaly detection. You acknowledge that we may use such information to investigate suspected breaches, enforce these Terms, and support dispute resolution or legal claims, subject to applicable law and our Privacy & Data Policy.

REGISTRATION AND ACCOUNT SECURITY

6.1 Registration

Certain features require registration. You agree to provide accurate, current and complete information and keep it updated.

6.2 Account responsibility

You are responsible for all activities under your account. You must keep your password confidential and secure and notify us promptly of any unauthorised access or suspected breach.

6.3 Account sharing prohibited

You may not provide another person with your username or password, nor allow others to access the Services through your account.

SERVICE CHANGES, AVAILABILITY, DELIVERY AND SUPPORT

7.1 Modifications and discontinuance

We may modify, update, suspend or discontinue any part of the Sites or Services. Where practicable, we will notify you in advance of material changes.

7.2 No guarantee of uninterrupted operation

We do not guarantee that the Sites or Services will be uninterrupted, timely, secure or error-free.

7.3 Delivery timing (access credentials)

Where access requires login credentials or activation, access is typically delivered promptly after successful payment and, where applicable, usually within 8 hours. Delivery times may vary due to verification checks, third-party platform downtime, or technical issues.

7.4 Support and communications

We may communicate with you regarding your account, billing, security, and important service updates via email or other contact details you provide.

7.5 Recordings and replays

Where we provide live sessions, we may record sessions and make replays available, subject to the relevant product/plan terms and any Additional Terms.

7.6 Live session recordings and participant information

(a) By participating in any live session (including by joining audio, video and/or chat), you acknowledge and agree that the session may be recorded and that your name/username, voice, likeness (if you enable your camera), chat messages and any materials you share may be captured in the recording.

(b) We may use such recordings to provide replays to participants, to maintain and improve program quality, for internal training and quality assurance, and to protect the integrity and security of the Services (for example, investigating abuse or unauthorised sharing), in accordance with Part 2 (Privacy & Data Policy).

(c) If you do not wish to be recorded, you should not enable your camera or microphone and you should refrain from sharing Personal Data or confidential information during the session. Where practicable, you may contact us for alternative participation options.

FEES, BILLING AND SUBSCRIPTIONS

8.1 Fees, payment, currency and Taxes (including GST)

If any part of the Services is offered for a fee, you agree to pay the applicable fees, taxes and charges and to provide accurate billing information. You authorise us (and our payment processors) to charge your payment method in accordance with your selected plan. Prices are shown in USD. You are responsible for any bank, FX conversion or international transaction fees charged by your card issuer.

Fees may be stated as inclusive or exclusive of taxes depending on what is presented at checkout. Where Goods and Services Tax (“GST”) is applicable and we are required by Singapore law to charge GST (for example, if we are GST-registered), we will charge GST at the prevailing rate and reflect the applicable taxes at checkout or on the relevant invoice/receipt.

8.2 Payment processing

Payments are processed by third-party payment processors. We do not typically store full card numbers on our servers; payment processors may store payment details in accordance with their own policies.

8.3 Price changes

We may change prices from time to time. For subscriptions, we will notify you in advance of price changes and the new price will take effect at the next renewal period, unless you cancel before it takes effect.

8.4 Recurring Subscriptions

If you purchase a subscription that automatically renews (“Recurring Subscription”), you authorise us to charge your payment method at each renewal unless you cancel in accordance with Clause 8.7.

8.5 Failed payments

If we cannot charge your payment method, we may suspend access until payment is received. We may also suspend or cancel renewal after repeated unsuccessful attempts.

8.6 Free trials

If a free trial is offered and you cancel before the trial ends, you will not be charged for the Recurring Subscription. If you do not cancel before the trial ends, your Recurring Subscription may begin automatically and you will be charged in accordance with the plan details presented at sign-up/checkout.

8.7 How to cancel a Recurring Subscription

You may cancel via any of the following methods (where available):

(1) Via your account settings (recommended; generally immediate effect for future renewals)

(2) Email: support@JLawStock.com

(3) Directly through the payment gateway/processor you used to purchase (if supported)

To avoid a renewal charge, please cancel before the renewal time. If you cancel by email, please allow reasonable processing time; we aim to process email cancellation requests within a reasonable period (typically within 2–3 business days). Where practicable, we recommend emailing at least seven (7) days before your next renewal date. If your email request is received too close to renewal, you may still be charged for the next period.

For clarity, this 7-day timing is a recommendation, not a requirement. The key requirement to avoid a renewal charge is that your cancellation request (via an available method) is received and processed before the renewal time.

If a cancellation request is received after the renewal has been successfully processed, the renewal charge may still apply for the new billing period, and you will generally retain access until the end of that newly paid period (unless terminated earlier due to breach). This does not affect any rights you may have under applicable law.

After cancellation, you will generally continue to have access until the end of the current paid subscription period, unless access is terminated earlier due to breach. We do not provide pro-rated refunds for unused days except as required by applicable law or as set out in Clause 9.4.

8.8 Fixed-Term Plans and Instalment Billing (if applicable)

If a plan is advertised as a Fixed-Term Plan (e.g., a 6-month or 12-month commitment) and/or offered with Instalment Billing:

(a) you agree you are committing to the full fixed term;

(b) cancelling stops renewal after the committed term, but does not automatically cancel instalment payments already committed for that fixed term, unless we agree otherwise in writing or applicable law requires otherwise; and

(c) additional details (including any early termination or non-renewal mechanics) may be described at checkout or in the relevant Additional Terms, which form part of these Terms.

8.9 Chargebacks and payment disputes

(a) If you believe a charge is incorrect, duplicated, or unauthorised, we strongly encourage you to contact us first at support@JLawStock.com and provide reasonable details (e.g., order reference, transaction date, the amount charged, and the reason for dispute) so we can investigate and attempt to resolve the matter promptly, before initiating a chargeback, reversal, or payment dispute with your card issuer or payment provider. This clause does not limit any rights you may have under applicable law or applicable card/payment scheme rules.

(b) If you initiate a chargeback, reversal, or payment dispute, we may (to the extent permitted by law):

(i) suspend or restrict your access to the Services while the dispute is pending;

(ii) communicate with you regarding the dispute and request reasonable information to verify your claim; and/or

(iii) provide the payment processor, issuer, or relevant financial institution with information and evidence relating to your transaction and your use of the Services (including account, access, and delivery logs) to respond to the dispute.

(c) If a chargeback, reversal, or dispute is decided in our favour, we reserve the right to recover any fees, costs, and losses we incur as a result of that chargeback or dispute (including any chargeback or processing fees imposed on us by payment processors), to the extent permitted by law.

REFUNDS AND CREDITS

9.1 General no-refund policy

Except as required by applicable law or expressly stated otherwise in writing by us (including any written guarantee presented at checkout), all sales are final and fees are non-refundable. No refunds or credits will be provided for partially used subscription periods.

9.2 7-day initial subscription refund (if offered)

If a specific subscription product is advertised at checkout as having a “7-day refund” (including any stated conditions and subject to Clause 9.5), you may request a refund within seven (7) calendar days from the initial subscription payment date for that subscription product.

This applies to the first payment only (not renewals), and applies to first-time subscriptions for that specific subscription product only.

A refund request is only considered approved when you receive our written confirmation by email. We will acknowledge refund requests within a reasonable time (typically within 5 business days) and, where approved, we aim to process refunds within 14 business days. Actual timing may vary depending on payment processor or financial institution processing times.

9.3 Non-refundable items (common examples)

Unless expressly stated otherwise at checkout or in writing:

(a) one-time digital downloads, once accessed or downloaded;

(b) event tickets; and

(c) completed coaching sessions or services already delivered,

are non-refundable, to the extent permitted by law.

9.4 Service discontinuance

If we discontinue a paid subscription Service in a way that materially prevents you from using it during a period you have already paid for (and you are not in breach), we may, at our discretion and where appropriate, provide one of the following remedies:

(a) continued access for the remainder of the paid period to a substantially similar Service; or

(b) a pro-rated refund for the unused portion of the affected period; or

(c) credits of equivalent value.

Nothing in this clause limits any rights you may have under applicable law.

9.5 Excessive refund abuse and Fair Use

We may decline refund requests that appear abusive or fraudulent, to the extent permitted by law. We reserve the right to refuse a refund if our system logs indicate that you have consumed, accessed, or downloaded a material portion of the Content (e.g., more than 20% of the course curriculum or multiple downloadable assets) prior to the refund request, as this constitutes consumption of the Service. Nothing in this clause limits any rights you may have under applicable law.

USER CONDUCT AND ACCEPTABLE USE

10.1 You are responsible for your content

You are solely responsible for User Content you upload, post, publish, transmit or otherwise make available via the Services.

10.2 Prohibited conduct

You agree not to use the Sites or Community Spaces or Services to:

(a) infringe intellectual property or other proprietary rights;

(b) upload content you do not have rights to share;

(c) upload malware, viruses or harmful code;

(d) harass, threaten, abuse, defame, or post unlawful, obscene, hateful or otherwise objectionable content;

(e) send unsolicited advertising or unauthorised solicitations;

(f) interfere with or disrupt the Services, servers or networks;

(g) violate any applicable local, national or international law;

(h) impersonate any person or entity, or misrepresent affiliation;

(i) solicit personal data from minors or any person in violation of law;

(j) harvest email addresses or contact information for unsolicited communications;

(k) advertise or offer goods/services for business purposes not authorised by us;

(l) promote criminal activity or provide instructions for illegal activities; and/or

(m) attempt to access materials or information through means not intentionally made available.

(n) provide or request personalised financial advice, trade instructions, “signals”, or copy-trading arrangements, or to solicit others to buy/sell/hold specific products as a directive.

10.3 Enforcement

We may investigate suspected breaches and may remove content, suspend or terminate accounts, and report matters to authorities where appropriate.

ONLINE COURSES, COMMUNITY FEATURES, PRIVILEGES AND BONUSES

11.1 No sharing of course access

If access to courses or community channels is restricted, you must not allow any other person to share your access.

11.2 Community resources are informational only

Any group discussions, chats or community content are for educational and informational purposes only and are not investment recommendations.

11.3 Privileges and bonuses

Any privileges/bonuses (e.g., chat access, replays, special channels) are non-exchangeable for cash or other products unless we expressly state otherwise.

11.4 Mature language/content notice

Our Services may include mature topics or explicit language. If you are uncomfortable with such content, you should not use the Sites/Services.

COMPETITION AND SOLICITATION (NARROWED)

12.1 No in-community solicitation

To protect the learning environment, you agree that you will not, within our Community Spaces:

(a) advertise competing courses, tools or services; or

(b) solicit users for competing products/services,

without our prior written consent.

12.2 Outside the community

This clause does not restrict your lawful business activities outside our Community Spaces, provided you do not misuse our confidential information, Content, trademarks, or user lists, and you comply with these Terms.

12.3 No Representation or Fund Management

You agree that you shall not: (a) hold yourself out as an agent, representative, instructor, or affiliate of JLAW or the Sites; or (b) use the Services, Content, or our methodologies to solicit funds from third parties for investment management, "proxy trading", or similar schemes. You acknowledge that any such activity is a material breach of these Terms and strictly prohibited. We accept no liability for any actions you take in relation to third-party funds.

INTELLECTUAL PROPERTY

13.1 Our Content and trademarks

The Sites and Services contain Content protected by intellectual property laws. Except as expressly permitted, you may not modify, copy, distribute, create derivative works from, publicly display or exploit the Content.

Certain words, marks and logos, including “J Law Stock”, “JLawStock”, “JLawStock Academy”, “J Law Production”, “JL Production”, “Train the Trader”, “Master Your Trade”, “J Law”, “JLaw”, “J.Law”, “Trader Circle”, “超績投資客” and related marks, may be our trademarks and/or used under licence. You may not use them without our prior written permission.

13.2 No scraping or automated extraction

You agree not to use data mining, robots, scraping or similar methods to extract data from the Sites or Services.

13.3 Software

The software underlying the Sites/Services is owned by us and/or our licensors. You agree not to reverse engineer or attempt to discover source code except where prohibited by law.

13.4 Blocking and circumvention

If we block your access (including by IP), you agree not to attempt to circumvent such measures.

USER CONTENT, SUBMISSIONS AND TESTIMONIALS

14.1 Ownership

You retain ownership of your User Content.

14.2 Licence to operate the Services

By uploading or sharing User Content through the Services, you grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, display and transmit your User Content solely as necessary to operate, provide, maintain and improve the Services and to enforce these Terms.

14.3 Community and promotional use (consent-based)

If we wish to use your testimonials or User Content for marketing or promotional purposes (e.g., on our Sites or advertisements), we will obtain your consent where required by applicable law, and you may withdraw such consent by contacting us.

14.4 Submissions

To avoid misunderstandings, please do not send unsolicited creative ideas or confidential proposals. Any feedback, suggestions or ideas you provide (“Submissions”) are non-confidential, and you grant us the right to use them without restriction for improving the Services, without obligation to compensate you.

14.5 Disclosure for legal reasons

We may preserve or disclose content if required by law or if we reasonably believe disclosure is necessary to:

(a) comply with legal process;

(b) enforce these Terms;

(c) respond to claims of rights violations; and/or

(d) protect rights, property or safety of us, users or the public.

THIRD-PARTY WEBSITES AND SERVICES

15.1 Links and third-party resources

The Sites/Services may link to third-party sites/resources. We do not control and are not responsible for them, and your use is at your own risk and subject to third-party terms.

15.2 Delivery platforms and providers

We may use third-party vendors (e.g., webinar platforms, learning platforms, email tools, analytics providers, payment processors) to deliver Services. Data sharing with such vendors is described in Part 2 (Privacy & Data Policy).

DISCLAIMER OF WARRANTIES

16.1 As-is basis

The Sites and Services are provided on an “as is” and “as available” basis.

16.2 No warranties

To the maximum extent permitted by law, we disclaim all warranties, whether express, implied or statutory, including fitness for purpose, merchantability, title, non-infringement, accuracy, completeness, and availability.

LIMITATION OF LIABILITY

17.1 Excluded liability

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or wilful misconduct.

17.2 Limitation

To the maximum extent permitted by law:

(a) we will not be liable for indirect, incidental, special, consequential or exemplary damages, loss of profits, loss of goodwill, loss of use, or loss of data; and

(b) our total aggregate liability for all claims arising out of or relating to the Sites/Services will not exceed the total fees paid by you to us for the relevant Services in the 12 months immediately preceding the event giving rise to the claim (or SGD 100, whichever is higher).

17.3 Sole remedy

If you are dissatisfied with any portion of the Sites/Services, your sole and exclusive remedy is to discontinue use, subject to any rights you may have under applicable law.

SUSPENSION AND TERMINATION

18.1 By you

You may stop using the Services at any time. For subscriptions, cancellation is governed by Clause 8.7.

18.2 By us

We may suspend or terminate your account and access if we reasonably believe you have violated these Terms, engaged in fraudulent/abusive conduct, shared access, infringed IP, or where required to protect the Services, users, or comply with law.

18.3 Effect of termination

Upon termination:

(a) your right to access the Services ceases immediately (unless otherwise stated);

(b) you must cease all use of the Content; and

(c) you must delete any unauthorised copies of Content (and any permitted downloads may be retained only for your personal archival reference where not prohibited by law or our written instructions).

18.4 No liability for termination

We are not liable to you or any third party for termination of your access, except as required by applicable law.

DISPUTES BETWEEN USERS

19. You are solely responsible for your interactions with other users. We have no responsibility for disputes between users, though we may intervene at our discretion.

GOVERNING LAW, MEDIATION AND JURISDICTION

20.1 Governing law

These Terms are governed by the laws of Singapore.

20.2 Mediation first

Before commencing court proceedings (except for urgent injunctive relief), the parties agree to attempt good-faith mediation in Singapore.

20.3 Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts of Singapore.

GENERAL

21.1 Entire agreement

These Terms (including the Privacy & Data Policy, Cookies Policy, Disclaimer, and any Additional Terms) constitute the entire agreement between you and us regarding the Sites/Services.

21.2 Severability

If any provision is held invalid, the remaining provisions remain in full force.

21.3 No waiver

Failure to enforce any right is not a waiver.

21.4 Assignment

You may not assign these Terms without our prior written consent. We may assign our rights/obligations (in whole or part) without your consent.

21.5 Notices and Electronic communications

We may send notices by email to the address in our records, or by posting notices on the Sites. You agree that communications and contracts may be provided electronically, and that email notices and notices posted on the Sites are effective forms of notice.

21.6 Force majeure

We are not liable for failure or delay in performance due to events beyond our reasonable control, including but not limited to natural disasters, war, acts of terrorism, labour disputes, internet or power outages, suspension or closure of financial markets or exchanges, trading platform failures, or government restrictions.

21.7 Indemnity

You agree to indemnify and hold harmless us, our affiliates, directors, officers, employees and agents from claims, liabilities, damages, losses and expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services, or your User Content.

21.8 Third party rights

A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 of Singapore to enforce any term, unless expressly stated.

21.9 Language

These Terms are drafted in English. If we provide a translation of these Terms, it is provided for convenience only. To the extent of any inconsistency or ambiguity between the English version and any translated version, the English version prevails.

CONTACT

For queries about the Sites, Services or these Terms:

Email: support@JLawStock.com

PART 2 — PRIVACY & DATA POLICY (PDPA-ALIGNED)

APPLICATION AND DEFINITIONS

1.1 This Privacy & Data Policy explains how we manage personal data in our possession or control.

1.2 “Personal Data”

“Personal Data” has the meaning given in the Personal Data Protection Act 2012 of Singapore (“PDPA”) and generally refers to data, whether true or not, about an individual who can be identified from that data, or from that data and other information to which we have or are likely to have access.

1.3 Consent

By using our Sites/Services, operating an account, making a purchase, or otherwise providing information to us, you consent to the collection, use, disclosure and other processing of your Personal Data as described in this Policy.

1.4 Governing law

This Policy is governed by the laws of Singapore.

PERSONAL DATA WE COLLECT

2.1 Categories

Depending on how you interact with us, we may collect:

(a) contact information (name, email, phone number, address if provided);

(b) account credentials and profile information;

(c) billing information (payment method tokens, billing address, transaction history) — note we do not typically store full card numbers; payment processing is handled by our payment processors;

(d) usage and device data (IP address, browser/device info, log data, cookie identifiers);

(e) communications (support tickets, emails, chat messages, webinar registrations);

(f) course/community activity and User Content you submit;

(g) marketing/advertising data (e.g., campaign interactions, pixel/cookie data, interest-based audience segments); and

(h) where strictly necessary for specific purposes: identity verification information.

(i) audio and visual information and session participation data (e.g., recordings of webinars/live sessions, your voice, likeness if you enable your camera, your display name/username, and chat messages), where you participate in recorded sessions;

2.2 NRIC/FIN and government-issued identifiers (clarified)

We do not collect or use NRIC/FIN numbers (or copies) as a general rule. We will only collect such identifiers if:

(a) required by applicable law; or

(b) strictly necessary to accurately verify identity for a specific transaction or high-assurance purpose,

and we will not use NRIC/FIN as an account password or authentication secret.

SOURCES OF PERSONAL DATA

3.1 We may collect Personal Data from:

(a) you (directly) when you register, purchase, use the Services, or contact us;

(b) your devices and browsers (through cookies/logging);

(c) third parties you authorise (e.g., social login providers, payment processors) where applicable; and

(d) publicly available sources where relevant and lawful.

PURPOSES OF COLLECTION, USE AND DISCLOSURE

4.1 Basic service purposes

We may process Personal Data to:

(a) provide, administer and maintain the Services;

(b) create and manage your account;

(c) process payments and manage billing;

(d) provide customer support and respond to inquiries;

(e) communicate service-related messages (security, account, billing, essential updates);

(f) improve, troubleshoot, and secure the Sites/Services;

(g) prevent, detect and investigate fraud or wrongdoing;

(h) comply with legal obligations and regulatory requests;

(i) enforce our Terms and protect our rights; and

(j) carry out business operations such as analytics, reporting and internal audits;

(k) record and provide replays of live sessions, and to conduct internal training/quality assurance and investigations relating to abuse, fraud, security incidents or unauthorised sharing.

4.2 Research and product improvement

We may use aggregated or de-identified data to understand usage patterns and improve features.

4.3 Marketing (opt-out / consent-based)

Where permitted by law, we may send marketing communications about our products, services, events or offers. You may opt out at any time by using the “Unsubscribe” link in emails or contacting us at support@JLawStock.com.

4.4 Telephone/SMS marketing and DNC

We will not send marketing messages via phone call/SMS/WhatsApp or similar channels to Singapore numbers registered on the Do Not Call Registry unless an exception applies under law. Service/transactional messages (e.g., password resets, security alerts, receipts, access instructions) may still be sent as necessary.

4.5 Email marketing and anti-spam compliance

Where we send marketing emails or other commercial electronic messages, we will do so in accordance with applicable laws (including, where applicable, Singapore’s Spam Control Act 2007). Our marketing communications will include a functional unsubscribe facility. You may also opt out by contacting us at support@JLawStock.com.

ACCURACY

5. You agree to provide accurate Personal Data and update us when it changes.

DISCLOSURE AND SHARING

6.1 Who we share with

We may disclose Personal Data to:

(a) employees and authorised representatives with a need to know;

(b) service providers (hosting, webinar/learning platforms, analytics, email delivery, customer support tools);

(c) payment processors and financial institutions for billing;

(d) professional advisers (lawyers, auditors) under confidentiality; and

(e) regulators, law enforcement, courts, or other authorities where required or permitted by law.

6.2 Safeguards

Where we share Personal Data with service providers, we require them to protect Personal Data and use it only to provide services to us.

6.3 “No selling of lists”

We do not sell your Personal Data as a business of “selling lists”. We may, however, use advertising tools that create audience segments for marketing (e.g., retargeting or lookalike audiences) based on permitted data signals.

TRANSFERS OUTSIDE SINGAPORE

7. We may transfer, store and process Personal Data outside Singapore. Where we do, we will take steps to ensure that the recipient provides a standard of protection comparable to the PDPA.

RETENTION

8. We retain Personal Data as long as necessary for the purposes described in this Policy, or as required/permitted by law. We will securely delete or anonymise data when it is no longer needed.

SECURITY

9. We implement reasonable administrative, technical and physical safeguards to protect Personal Data. However, no method of transmission or storage is fully secure.

DATA BREACH MANAGEMENT

10. If a data breach occurs, we will assess and respond in accordance with applicable law, including making notifications to authorities and affected individuals where required.

YOUR RIGHTS (ACCESS, CORRECTION, WITHDRAWAL OF CONSENT)

11.1 Access and correction

You may request access to your Personal Data and correction of inaccuracies, subject to applicable law. We may need to verify your identity before responding to an access or correction request. Where permitted by law, we may charge a reasonable administrative fee to process an access request, and we will inform you of any such fee before processing. We aim to respond within a reasonable time and may refuse requests where permitted under the PDPA.

11.2 Withdrawal of consent

You may withdraw consent for collection, use or disclosure of your Personal Data by contacting us. If you withdraw consent, we may not be able to provide certain Services and your account may need to be closed, depending on the request.

COOKIES AND RELATED TECHNOLOGIES

Please refer to Part 3 (Cookies Policy).

CONTACT (DATA PROTECTION)

We have designated a Data Protection Officer (“DPO”) to oversee our compliance with the PDPA.

For questions, requests, or complaints relating to Personal Data:

Attn: Data Protection Officer (DPO)

Email: support@JLawStock.com (Subject: “DPO Request”)

PART 3 — COOKIES POLICY

WHAT ARE COOKIES?

Cookies are small text files stored on your device when you visit a website. They help websites remember preferences and improve user experience.

HOW WE USE COOKIES

We may use cookies, pixels and similar technologies to:

(a) enable essential website functions;

(b) remember preferences and settings;

(c) analyse usage and performance; and

(d) deliver or measure advertising (where applicable).

TYPES OF COOKIES

(a) Strictly necessary cookies: essential for core functionality.

(b) Performance/analytics cookies: help us understand how users interact with the Sites.

(c) Functionality cookies: remember preferences and enhance features.

(d) Advertising cookies: deliver more relevant ads and measure campaigns (where applicable).

THIRD-PARTY COOKIES

Some cookies may be set by third-party services (e.g., analytics, embedded content, social sharing, advertising platforms). We do not control how third parties use cookies.

MANAGING COOKIES

You can manage cookies through your browser settings (block, delete, or alert). If you disable cookies, some features may not function properly.

COOKIE CONSENT (WHERE APPLICABLE)

Depending on your jurisdiction and applicable requirements, we may provide a cookie banner or cookie settings tool that allows you to accept, reject or manage non-essential cookies. Where consent is required, we will only place non-essential cookies with your consent, which you may withdraw by adjusting your cookie settings or browser settings.

CHANGES

We may update this Cookies Policy by posting an updated version on the Sites.

PART 4 — DISCLAIMER

Investments are risky. You may lose some or all of your investment and may lose more than your initial capital.

The Sites and Services provide educational and informational content only and do not provide financial, investment, legal, tax or other professional advice.

No content constitutes a recommendation, “trade call” or solicitation. We do not consider your personal financial circumstances.

Past performance does not guarantee future results. Any examples, case studies or results are illustrative only.

Information may be delayed, inaccurate, incomplete, or based on third-party sources. We do not guarantee accuracy or timeliness.

We do not promise “get rich quick” results or any specific outcome; your results depend on many factors, including experience, discipline, risk tolerance, and market conditions.

Conflicts of interest and compensation: We, our instructors, employees, contractors, guests and/or affiliates may from time to time hold, buy, or sell positions in products discussed in the Content. We may also receive compensation, referral fees, sponsorship fees, advertising fees, rebates or other benefits in connection with certain third-party products, platforms, tools or services referenced or linked through the Sites/Services. Where required by applicable law, we will disclose such relationships in the relevant Content or at the point of referral.

No fiduciary duty: We do not owe you any fiduciary duty and do not act as your adviser, broker, agent, or representative. You are solely responsible for evaluating information and deciding whether to act on it.

Regulatory status (Singapore): Unless expressly stated otherwise in writing by us, we are not licensed, authorised by the Monetary Authority of Singapore (“MAS”) to provide financial advisory services under the Financial Advisers Act 2001 or to deal in capital markets products under the Securities and Futures Act 2001.

No signals; no execution; no managed accounts: We do not provide trade execution services, place trades on your behalf, operate managed accounts, or provide “signals”, “alerts”, “copy-trading”, “auto-trading”, or instruction-based services intended to direct your transactions, unless expressly stated otherwise in applicable Additional Terms for a specific product.

Third-party speakers/resources are independent; we do not endorse or guarantee their views, products, or services and are not responsible for losses arising from them. Your dealings with any third party are solely between you and that third party and subject to the third party’s own terms and policies.

PART 5 — PROGRAM-SPECIFIC ADDITIONAL TERMS (IF APPLICABLE)

These Program-Specific Additional Terms apply only where presented at checkout or within a specific program, and form part of the Additional Terms under Clause 1.4.

LIVE SESSIONS AND INSTRUCTOR AVAILABILITY

We may schedule reasonable breaks (e.g., annual leave). If a named instructor is unable to conduct a live session due to health reasons or circumstances beyond control, we may provide replays, pre-recorded sessions, reschedule sessions, cancel sessions, and/or appoint a substitute instructor.

“UNLIMITED / LIFETIME ACCESS” CLARIFICATION

If a non-subscription product is described as “Unlimited Access”, “Lifetime Access”, or similar wording, it means access is available for as long as we continue to operate and maintain the platform where the product is hosted. We may update, replace, reorganise or retire content that is outdated, and may migrate content to new platforms. Your access may require account updates or acceptance of updated terms.

THIRD-PARTY DELIVERY PLATFORMS

Certain program components may be delivered via third-party platforms. We may share your contact data with those providers only as necessary to deliver your purchased components. If you request that we do not share information with a required provider, some purchased components may not be deliverable.

FIXED-TERM COMMITMENTS AND INSTALMENTS (IF OFFERED IN A PROGRAM)

If a program is offered as a Fixed-Term Plan and/or with Instalment Billing, the commitment mechanics described at checkout or in the program materials apply, and Clause 8.8 (Fixed-Term Plans and Instalment Billing) also applies.

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