Terms & Conditions

1. General Terms

These Terms & Conditions describe the rules for using the website Moravelintis. The website provides informational content related to general concepts of personal finance in everyday life in Singapore. By accessing the site, the visitor confirms that the content is used only for informational reading purposes. The website does not provide financial services, professional advice, or individual recommendations.

Use of the website is possible without registration and without providing personal data. Access to the content is free and does not require creating an account. The structure of the website may be updated when necessary to maintain correct operation.

2. Informational Nature of the Content

All materials published on the website are provided in a neutral reference format. The content includes definitions, explanations, and general descriptions of commonly used financial terms. The information is not intended to influence decisions or actions.

The website does not provide instructions, forecasts, or guarantees. The materials should not be interpreted as professional, legal, financial, or other specialised guidance. Use of the information remains the responsibility of the reader.

3. Acceptable Use of the Website

Visitors agree to use the website only for lawful purposes and in a manner that does not interfere with its normal operation. It is not permitted to attempt to gain unauthorised access to the site, its server, or related systems.

The following actions are not allowed:

- using the website in violation of applicable law in Singapore
- attempting to modify or disrupt the operation of the site
- copying content for misleading or unlawful purposes
- using automated tools to collect data without permission

The website may restrict access if technical misuse is detected.

4. Intellectual Property

All texts, structure, and design elements on the website belong to the site owner unless stated otherwise. The content is provided for reading and personal reference only.

It is permitted to view, print, or store pages for personal use. Reproduction, distribution, or publication of materials without permission is not allowed when it conflicts with applicable law.

Names, symbols, or references used on the site are included only for informational context when necessary. The website does not represent any external organisation.

5. Communication

The contact page may be used for general questions related to the content of the website. Sending a message does not create any professional, contractual, or advisory relationship.

Information submitted through the contact form must be accurate and limited to what is necessary for communication. The website may not respond to messages that are unrelated to the informational purpose of the site.

Personal data submitted through the contact form is processed according to the Privacy Policy and in accordance with the Personal Data Protection Act 2012.

6. Limitation of Responsibility

The website is provided in its current form for informational reading. While reasonable care is taken when preparing the content, the site does not guarantee completeness, accuracy, or suitability for any specific purpose.

The website is not responsible for decisions made based on the information published. Use of the content is at the visitor’s own discretion.

The site may contain links or references to general concepts, but it does not control external resources and is not responsible for their content.

7. Availability of the Website

The website is intended to be accessible at all times, but uninterrupted operation cannot be guaranteed. Access may be limited during maintenance, updates, or technical changes.

The structure, layout, or content of the website may be modified without prior notice when required for technical or legal reasons.

8. Applicable Law

These Terms & Conditions are governed by the laws of Singapore. Use of the website means that the visitor reads and accepts the rules described in this document.

All provisions are interpreted according to the Personal Data Protection Act 2012, the Spam Control Act 2007, the Electronic Transactions Act 2010, and other applicable laws of Singapore.

9. Changes to These Terms

These Terms & Conditions may be updated when the structure of the website or legal requirements change. The current version is published on this page with the updated date. Continued use of the website means reading the current version of the terms.

For more information, please use the contact details provided above.