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Terms and Conditions of Use

SkyBlue FinTech Solutions
Last Revised: 03 February 2025

1. Introduction

Welcome to SkyBlue FinTech Solutions. These Terms and Conditions of Use (the “Terms”) govern your access to and use of our products, services, applications, websites, platforms, and content (collectively, the “Services”), including but not limited to InsAIghts and OpenSignals.

By accessing, registering for, or using our Services in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms and conditions that may apply to specific Services. If you do not agree with these Terms, please refrain from using our Services.

2. Definitions

  • “User” or “You”: Refers to any individual or entity accessing or using our Services.
  • “Services”: Includes all products, platforms, websites, applications, and features provided by SkyBlue FinTech Solutions.
  • “Content”: Refers to all data, information, text, graphics, videos, software, and other materials made available through our Services.

3. Subscription Terms

3.1 Scope of Services

SkyBlue FinTech Solutions provides SaaS-based products, such as InsAIghts and OpenSignals, under various subscription plans. Access to these Services is contingent on successful registration and payment of applicable fees.

3.2 User Responsibilities

  • Use the Services solely for lawful purposes.
  • Comply with all applicable local, national, and international laws and regulations.
  • Maintain the confidentiality of your login credentials and notify us immediately of unauthorized use.
  • Refrain from sharing, reselling, or sublicensing your access to the Services without our explicit consent.

3.3 Subscription Fees and Payment

  • Billing: Subscription fees are billed either monthly or annually in advance and are non-refundable, except where required by law or when a user upgrades to a higher-tier plan. In such cases, the user must pay the full price of the new plan, and a prorated refund for the unused portion of the previous lower-tier plan will be issued.
  • Payment Methods: Accepted methods include credit card, debit card, or Link.
  • Late Payments: Late or failed payments may result in suspension or termination of Services.
  • Fee Changes: We reserve the right to modify subscription fees with at least 30 days’ notice.

3.4 Cancellation and Termination

  • User Cancellation: You may cancel your subscription at any time through your account portal. Cancellation becomes effective at the end of the current billing cycle.
  • Termination by Us: We may terminate or suspend your account if you breach these Terms, fail to pay fees, or engage in prohibited activities.

3.5 Limitation of Liability

SkyBlue FinTech Solutions is not liable for any loss, damage, or inconvenience caused by service interruptions, errors, or data inaccuracies.

4. Data Processing Agreement (DPA)

4.1 Data Collection and Use

We collect and process personal data as described in our Privacy Policy. Data processing complies with the Personal Data Protection Act (PDPA) of Singapore and the General Data Protection Regulation (GDPR) where applicable.

4.2 Data Security

We employ industry-standard security measures to protect your data, including encryption, access controls, and secure servers. Users must report any data breaches or unauthorized access promptly.

4.3 User Rights

  • Access your personal data.
  • Correct inaccuracies.
  • Delete data under certain conditions.

Requests can be made by contacting us at [email protected].

5. Privacy Policy

Our Privacy Policy explains how we collect, use, store, and share your personal information. By using our Services, you consent to these practices.

6. Intellectual Property Rights

6.1 Ownership

All content, trademarks, service marks, logos, and intellectual property within our Services are the exclusive property of SkyBlue FinTech Solutions or our licensors. Unauthorized use, reproduction, distribution, or modification is strictly prohibited.

6.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our Services for personal or internal business purposes in accordance with these Terms.

7. Acceptable Use Policy

You agree not to:

  • Use the Services for illegal, harmful, or malicious purposes.
  • Attempt to hack, disrupt, or reverse-engineer our Services.
  • Upload or distribute malware, spam, or offensive content.
  • Infringe upon the intellectual property rights of others.

8. Limitations of Liability

No Warranty

Our Services are provided “as is” and “as available” without any warranties, express or implied.

Limitation of Damages

SkyBlue FinTech Solutions shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to lost profits, lost revenue, data loss, or business interruption.

Maximum Liability

Our total aggregate liability, whether in contract, tort (including negligence), or otherwise, shall not exceed the total amount paid by you for the Services in the 12 months preceding the claim.

AI-Generated Content Disclaimer

  • AI-generated insights should not be considered financial, legal, investment, or professional advice.
  • Users acknowledge that all decisions made based on AI-generated content are at their own risk.
  • We explicitly disclaim any liability for actions, losses, or damages arising from reliance on AI-generated outputs.

By using our Services, you accept these limitations and disclaimers.

9. Dispute Resolution

  • Mediation: Disputes shall first be resolved through mediation.
  • Jurisdiction: If mediation fails, disputes will be resolved in the courts of Singapore under Singaporean law.

10. Data Retention Policy

  • Retention Period: We retain data for the duration of your subscription and an additional 3 years as required by law.
  • Deletion: Data is securely deleted or anonymized after the retention period. Early deletion requests can be made via [email protected].

11. Changes to Terms

We reserve the right to modify these Terms. Changes will be communicated through our website or email. Continued use after updates signifies acceptance.

12. Contact Information

For any inquiries, please contact us:

📧 Email: [email protected]
📞 Phone: +65 97111557