Terms of Use
These Terms of Use (“Terms”) were last updated on 31 January 2024
Please read these Terms and the other Agreements described carefully before registering for, accessing or using any portion of JF Lennon & Associates Pte Ltd (“JF Lennon”) website (“Site”) which consists of all content and pages located within and accessible at the www.JFLennon.com web domains or any other websites, applications, programs or online or mobile products or services of JF Lennon (collectively, the “Services”). The term “Services” includes the Site and all content and pages located within and accessible via the Site, as well as any program material, program or pages and platforms, directories and other electronic services available via the Site or any of the other Services. These Terms, Privacy Policy and Disclaimer are agreements (“Agreements”) between you (“User”) and JF Lennon
By registering for, accessing or using any Services, you accept and agree to be legally bound by the Agreements, whether or not you are a registered user or have an account, which may be updated by us in our sole discretion from time to time without notice to you.If you do not understand or do not wish to be bound by the terms of the Agreements, do not register for, access or use any Services.
Use of the Services described at the website or the distribution of the Website’s materials may be restricted or prohibited by law in certain jurisdictions. It is your responsibility to find out what those restrictions or prohibitions are and observe them. If in doubt, you should check with your local regulator or authority before requesting further information. The website does not constitute an offer on our part to provide products or services described therein to persons or entities resident in countries where local law or regulation does not permit their use.
Table of Contents
1. Definitions
“we’, “us”, “our” and “ours” means JF Lennon & Associates Pte Ltd (“JF Lennon”) and “you”, “yourself” means the User of the website and use of the Services.
2. Copyrights and Trademark Notices
Except as otherwise expressly stated herein, the copyright and all other intellectual property in the contents of this website (including, but not limited to, all design, text, sound recordings, images or links) are the property of JF Lennon. As such, they may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of JF Lennon. Save and except with JF Lennon’s prior written consent, you may not insert a hyperlink to this website or any part thereof on any other website or “mirror” or frame this website, any part thereof, or any information or materials contained in this website on any other server, website or webpage.
All trade marks, service marks and logos used in this website are the property of JF Lennon and/or the respective third party proprietors identified in this website. No licence or right is granted and your access to this website and/or use of the online services should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trade marks, service marks or logos appearing on the website without the prior written consent of JF Lennon or the relevant third party proprietor thereof. Save and except with JF Lennon’s prior written consent, no such trade mark, service mark or logo may be used as a hyperlink or to mark any hyperlink to any JF Lennon member’s site or any other site.
3. Scope of Services
JF Lennon offers online courses, programs or other related offerings for educational and informational purposes (collectively, including any new features (“Service”). JF Lennon reserves the right to cancel, interrupt or reschedule any Service or modify its content that may be provided in connection with any Service. Service is subject to the Agreements, including without limitation Disclaimer.
The information and materials contained in or accessed through this website, including any services, products, information, data, text, graphics, audio, video, links or other items are provided on an “as is”, and “as available” basis and are of a general nature which have not been verified, considered or assessed by any member of JF Lennon in relation to the making of any specific investment, business financial or commercial decision. Such information and materials are provided for general information only and you should seek professional advice at all times and obtain independent verification of the information and materials contained herein before making any decision based on any such information or materials. We do not warrant the truth, accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through this website and expressly disclaims liability for any errors in, or omissions from, such information and materials. No warranty of any kind, implied, express or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose and freedom from computer virus and other malicious code), is given in conjunction with such information and materials, or this website in general.
4. User Account
You need an account for most activities on our platform, including to purchase and access content. When setting up and maintaining your account, you must provide and continue to provide accurate and complete information, including a valid email address. You have complete responsibility for your account and everything that happens on your account, including for any harm or damage (to us or anyone else) caused by someone using your account without your permission. This means you need to be careful with your password. You may not transfer your account to someone else or use someone else’s account. If you contact us to request access to an account, we will not grant you such access unless you can provide us with the information that we need to prove you are the owner of that account. In the event of the death of a user, the account of that user will be closed.
You may not share your account login credentials with anyone else. You are responsible for what happens with your account and JFL will not intervene in disputes. You must notify us immediately upon learning that someone else may be using your account without your permission (or if you suspect any other breach of security) by contacting our Support Team. We may request some information from you to confirm that you are indeed the owner of your account.
You must be at least 18 years of age to create an account on JFL and use the Services. If you are younger than 18 but above the required age for consent to use online services where you live (for example, 13 in the US or 16 in Ireland), you may not set up an account, but we encourage you to invite a parent or guardian to open an account and help you access content that is appropriate for you. If you are below this age of consent to use online services, you may not create a JFL account. If we discover that you have created an account that violates these rules, we will terminate your account.
You can terminate your account at any time.
5. Content Enrolment and Lifetime Access
In consideration for your agreement to these Terms of Use, JF Lennon grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Services solely in accordance with the Agreements. JF Lennon may make JF Lennon’s Content available to you through the Programs or otherwise via the Services. You may obtain and use JF Lennon’s Content only for your own personal, non-commercial use in connection with the Services and participating in Programs.
You may not reproduce, transfer, transmit, distribute, assign, sell, modify, adapt, edit, publish, commercially exploit or create derivative works of, sublicense, or otherwise transfer or use any content unless we give you explicit permission to so in a written agreement. You may not reverse-engineer, decompile, disassemble or otherwise access the source code for any software that may be used to operate any of the Services. Notwithstanding the foregoing, certain reference documents, digital textbooks, articles and other information on the Services may be made available to you with the permission of third parties, and use of that third party material may be subject to certain rules and conditions, which we will post along with the material or otherwise inform you about. You agree to abide by all such rules and conditions.
“JF Lennon Online Content” means all content or other material, in whole or in part, available through the Programs or otherwise via the Services, including but not limited to lectures, speeches, discussions, comments, video lessons, quizzes, tests, presentation materials, assignments, programs, code, and other images, text, layouts, arrangements, displays, illustrations, documents, materials, audio and video clips, HTML and files. All JF Lennon Online Content is the property of JF Lennon & Associates Pte Ltd and/or its affiliates or licensors and is protected by copyright, patent and/or other proprietary intellectual property rights.
6. Materials for General Circulation Only
The information, opinions and statements contained in the materials on this website are intended for general circulation only and should not be used as a basis for making any business or financial decisions. They do not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. The materials may cover a wide range of topics and are not intended to be a comprehensive study or to provide any recommendation or advice on personal investing or financial planning.
Accordingly, they should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase the investment product. You are also recommended to obtain such other professional advice where appropriate.
The materials speak as of their date and do not reflect any changes in law, events or practice since that date. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. All information, opinions and statements expressed are subject to change without notice.
The materials may be taken or compiled from sources that we believe to be reliable. While all reasonable care has been taken in preparing the materials, we do not represent or warrant that the materials are accurate, useful, adequate, timely or complete and they should not be relied upon as such. You should always consult primary or more accurate or more up-to-date sources of information.
Some of the information in the materials may contain projections or other forward looking statements and/or opinions of investment These statements and opinions are only predictions and actual results may differ materially. Similarly, any past performance figures are not necessarily indicative of future or likely performance.
7. Payments, Credits, and Refunds
7.1 Payments
You agree to pay the fees for content that you purchase, and you authorise us to charge your debit or credit card or process other means of payment listed on the Site for those fees. JF Lennon works with payment service providers to offer you the most convenient payment methods and to keep your payment information secure. We may update your payment methods using information provided by our payment service providers. Check out our Privacy Policy for more details.
When you make a purchase, you agree not to use an invalid or unauthorised payment method. If your payment method fails and you still get access to the content you are enrolling in, you agree to pay us the corresponding fees within 30 days of notification from us. We reserve the right to disable access to any content for which we have not received adequate payment.
7.2 Refunds and Refund Credits
All sales are final. As access to the Service is provided to you upon your purchase, there shall be no refund (whether partial or full) for any of your purchase(s) of the Service.
8. Subscription Terms
8.1 Subscription Plans
During your subscription to a Subscription Plan, you get a limited, non-exclusive, non-transferable license from us to access and view the content included in that Subscription Plan via the Services. With the exception of the lifetime access license grant, the terms included in the “Content Enrolment and Lifetime Access” section above apply to enrolments via Subscription Plans.
The subscription that you purchase or renew determines the scope, features, and price of your access to a Subscription Plan. You may not transfer, assign, or share your subscription with anyone else.
We reserve the right to revoke any license to use the content in our Subscription Plans for legal or policy reasons at any time and at our sole discretion, such as if we no longer have the right to offer the content through a Subscription Plan. Additional information on our right to revoke is included in the “Content Enrolment and Lifetime Access” section.
8.2 Subscription Account Management
You may cancel your subscription at anytime. If you cancel your subscription to a Subscription Plan, your access to that Subscription Plan will automatically end on the last day of your billing period. On cancellation, you will not be entitled to receive a refund or credit of any fees already paid for your subscription, unless otherwise required by applicable law. For clarity, cancellation of a subscription does not terminate your JF Lennon account.
8.3 Subscription Payment and Billing
Purchased subscription plan of the Service is subject to automatic renewal (“Recurring Subscription”) until it is discontinued by us at our sole discretion or cancelled by you. You authorise us to maintain your account information and charge that account automatically upon the renewal of the subscription plan with no further action required from you. In the event that we are unable to charge your account as authorised by you when you purchased a Recurring Subscription, we may, at our sole discretion:
8.3.1 bill you for the Service and suspend your access to the Service until payment is received; and/or
8.3.2 suspend your Recurring Subscription if we have made three (3) unsuccessful attempts to charge your account.
We reserve the right to change our Subscription Plans or adjust pricing for our Services at our sole discretion. Any price changes or changes to your subscription will take effect following notice to you, except as otherwise required by applicable law.
We will notify you in advance of any changes made to these prices. The updated price will take effect during the next applicable subscription period once we have informed you of the changes. By continuing your Recurring Subscription after the updated price take effect, you are accepting the new pricing. Should you not agree to the updated price, you must cancel your Recurring Subscription before they take effect.
Payments are non-refundable and there are no refunds or credits given for any partially used subscription plans. You may cancel a Recurring Subscription at any time, but if you cancel your Recurring Subscription before the end of the current subscription period, we will not refund (fully or partially) any subscription fees already paid to us. Following any such cancellation, however, you will continue to have access to the Service until the end of the current subscription period. At any time, and for any reason, we may at our sole discretion provide a refund, discount, or other consideration to some or all of our users. Notwithstanding any provision by us of such refund, discount or other consideration in any particular instance, we are under no obligation to provide such refund, discount or other consideration again under any circumstance.
8.4 Free Trials & Renewal
Your subscription may start with a free trial. The duration of the free trial period of your subscription will be specified during sign-up. JF Lennon determines free trial eligibility at our sole discretion and may limit access, eligibility, or duration. We reserve the right to terminate the free trial and suspend your subscription if we determine that you aren’t eligible.
We will charge the subscription fee for your next billing cycle at the end of the free trial period. Your subscription will automatically renew according to your subscription settings (e.g., monthly or annually) unless you cancel your subscription prior to the end of the free trial period.
9. Risks
9.1 No Offer or Solicitation
Nothing in this website shall be considered or construed as an offer, invitation or solicitation to sell, buy, give, take, issue, or as the giving of any advice or recommendation in respect of, any form of investment or any other instrument whether of any entity of JF Lennon in any jurisdiction. You should always seek the advice of an appropriately qualified professional before making any financial or investment decision.
Past performance is not necessarily indicative of future results. Investment involves a potentially high level of risk, and may not be suitable for all persons. You may potentially lose some or all of your initial investment, or may even lose more than your initial investment. You agree that you are responsible for using your own judgment when making any investment, including but not limited to making yourself aware of and assessing all the risks associated with any investment as well as seeking advice from an independent financial or investment adviser.
9.2 Content of the Site and Service
You acknowledge that your use of the website may, at any time, be adversely affected by problems with your computer (or such other access or electronic device including but not limited to cellular telephones, smart phones and PDAs ), the internet and the cellular phone network, including, without limitation, interference to the network coverage, undeliverable messages or delay in transmission due to any reason such as excessive network traffic, service interruption or incorrect data transmission.
We may contract with one or more third parties to provide, maintain and host the products or services on the website. Therefore, any information you submit any Content which you transmit may be placed and stored on a computer server maintained by a third party. You acknowledge that such information or content could pass through and may be stored in servers outside our control. You agree that we have no liability or responsibility for any such pass through or storage of the same.
You consent to the collection, storage, communication and processing of any of your information by any means necessary for us to maintain appropriate transaction and account records and to the release and transmission to and the retention by the relevant third party service providers and hosts of your information to enable your use of the Website.
You acknowledge that all transmissions (whether by email or otherwise) to and from this website cannot be guaranteed to be completely secure or error-free and the same could arrive late, be intercepted, corrupted, lost, destroyed, or incomplete, or contain viruses and may not be received by the intended recipient. Consequently, you understand that you should not post transmit any private or confidential Content information (whether yours or the recipient’s) unless you want it to be available publicly. You are aware that the Content transmitted by you may be subsequently forwarded to a third party by the recipient. You further understand that as we cannot control or prevent the transmission of your private or confidential Content by a third party, we cannot be responsible or held liable for the same. Accordingly, we do not warrant the privacy and/or security of any transmissions (whether by email or otherwise) to and from the Website
9.3 Hyperlinks
Any hyperlinks from the Website exist for information purposes and are for your convenience only. We accept no liability for any Losses arising directly or indirectly (including consequential loss) from the accuracy or otherwise of materials or information contained on the pages of such websites or loss arising directly or indirectly from defects with such websites. Our inclusion of hyperlinks does not imply any warranty, endorsement or verification of the material on such websites and such websites should only be accessed at your own risks.
10. Third Party Services
We cannot be responsible for any services through which you access the website or for any loss you may suffer as a result of you using such a service. You must comply with all the terms and conditions of such a service and pay all the charges connected with it.
11. Indemnity
You shall indemnify and hold harmless and keep JF Lennon indemnified in full against all and any claims, actions, proceedings, loss, damage, costs (including legal costs on a full indemnity basis), expenses and liabilities of whatsoever nature and howsoever arising which may be brought against or suffered or incurred by us arising from or which is directly or indirectly related to:
(a) your access to and/or use of the website and/or any other person or entity’s use of the website where such person or entity was able to access and/or use the website by using your user id and password (where applicable); or
(b) any breach or non-observance of any of these Conditions by you or by any other person or entity where such person or entity was able to access and/or use the website by using your user id and password (where applicable).
12. No Waiver
No failure or delay by us in exercising or enforcing any right or option under these Conditions shall operate as a waiver thereof or limit, prejudice or impair our right to take any action or to exercise any right as against you or render us responsible for any loss or damage arising therefrom.
If any one or more of the provisions in these Conditions are deemed invalid, unlawful or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired.
13. Termination
You agree that JF Lennon, in its sole discretion, may suspend or terminate your use of any or all of the Services or your participation in any Service, for any reason or no reason, and that JF Lennon shall not have any liability to you for any such action. Without limiting any of JF Lennon’s other rights or remedies, it is JF Lennon’s policy to terminate in appropriate circumstances users of the Services who are repeat copyright infringers. JF Lennon will not be required to provide you any service or engage in any activity (including but not limited to providing you Service and/or credentials or acknowledgements relating to same) if JF Lennon believes that the service or activity may violate any applicable law or regulation. You further acknowledge that for the purpose of any Service your sole relationship with JF Lennon is as defined in the Agreements. Termination does not give rise to any right to any grievance or other resolution process for User disputes at JF Lennon. You agree that JF Lennon has the right to cancel, delay, reschedule, or alter the format of any Service at any time. If you no longer wish to participate in any Service or use any of the Services, you may terminate your participation upon notice to JF Lennon. The rights granted to you hereunder will terminate upon any termination of your right to use the Services or your participation in a Service, but the other provisions of the Agreements will survive any such termination.
14. Modification
The information and materials herein are subject to change (including, without limitation, modification, deletion or replacement thereof) without warning or notice to you and without giving any reason thereof. We shall not be responsible or liable to you for any expense, loss, damage, liability or other consequence suffered by you or incurred by you in connection with any of the foregoing action.
15. Governing Law and Jurisdiction
Nothing herein shall be construed as a representation by JF Lennon that the information and materials contained in or accessed through this website is appropriate or available for use in geographic areas or jurisdictions other than Singapore. By accessing this website and/or using the online services, you agree that such access and/or use, as well as these Terms and Conditions of Access shall be governed by, and construed in accordance with, the laws of Singapore and you agree to submit to the non-exclusive jurisdiction of the Singapore courts. In the event that the laws of the jurisdiction you are in do not permit or impose restrictions on the access to the contents of the Website, you shall forthwith discontinue access or comply with such restrictions (as the case may be).
16. Support and Contact Us
If you have queries about the Site, Service or these Terms of Service, you can reach out to us at contact@jflennon.com
