Terms and Conditions for UmbraGain

Welcome to the online platform of UmbraGain. These Terms and Conditions ("Terms") govern your use of our services, including digital literacy workshops, financial planning courses, online learning platforms, personalized financial coaching, and cybersecurity awareness training (collectively, "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Services.

1. Acceptance of Terms

By accessing and using our online platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our Services.

2. Services Provided

UmbraGain offers a range of educational services aimed at empowering individuals with essential financial literacy and digital skills. These include, but are not limited to:

We reserve the right to modify or discontinue any part of our Services without prior notice at any time.

3. User Accounts

To access certain features of our Services, you may be required to register for an account. When creating an account, you must provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account login information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

4. Intellectual Property

All content on our platform, including text, graphics, logos, images, course materials, and software, is the property of UmbraGain or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, modify, or create derivative works of any content without explicit written permission from UmbraGain.

5. User Conduct

You agree not to use our Services for any unlawful purpose or in any way that could damage, disable, overburden, or impair our platform or interfere with any other party's use and enjoyment of our Services. Prohibited activities include, but are not limited to:

6. Payments and Refunds

Fees for our Services, if applicable, are clearly stated on our platform. All payments are processed securely. Details regarding our refund policy will be provided with specific course or service registrations. Generally, refunds may be granted under specific conditions and upon review.

7. Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis. UmbraGain makes no warranties, expressed or implied, regarding the accuracy, reliability, or completeness of any content or information provided through our Services. We do not warrant that our Services will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by applicable law, UmbraGain shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Services; (ii) any conduct or content of any third party on the Services; (iii) any content obtained from the Services; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

9. Indemnification

You agree to defend, indemnify, and hold harmless UmbraGain and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of (a) your use and access of the Service, by you or any person using your account and password; (b) a breach of these Terms, or (c) Content posted on the Service.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of the Services after such changes indicates your acceptance of the new Terms.

12. Contact Us

If you have any questions about these Terms, please contact us:

These Terms were last updated on April 24, 2024.