Investing Literacy Hub
Last updated: 2026
1. Introduction
These Terms & Conditions (“Terms”) govern your access to and use of the website, content, newsletters, publications, events (online or offline), e-books, training materials, and all related educational resources provided by Investing Literacy Hub (“ILH”, “we”, “us”, “our”).
By accessing or using this website or any related materials or services, you confirm that you have read, understood, and agreed to be bound by these Terms.
If you do not agree to these Terms, you must discontinue use of this website and all associated services.
2. Nature of Services — Educational Purpose Only
Investing Literacy Hub operates solely as an independent education and training platform.
All content, materials, communications, events, newsletters, publications, and educational programs are provided strictly for educational and informational purposes only.
Nothing offered by ILH constitutes, or should be interpreted as:
- Financial advice
- Investment advice
- Trading advice
- Legal advice
- Tax advice
- Investment recommendations
- An offer or solicitation to buy or sell any financial instruments
3. No Financial Advice or Recommendations
Investing Literacy Hub does not:
- Provide stock tips, trade calls, or market timing signals
- Recommend buying, selling, or holding any securities or financial instruments
- Provide personalised or individualised financial guidance
- Offer portfolio management or asset allocation services
All users are expressly advised to seek guidance from licensed financial advisers or other qualified professionals before making any financial or investment decisions.
4. No Fund Management or Handling of Client Money
Investing Literacy Hub:
- Does not accept, manage, hold, or control funds or assets on behalf of any individual or entity
- Does not act as a fund manager, investment adviser, broker, dealer, or intermediary
- Does not engage in discretionary or non-discretionary management of client assets
Any financial decisions made by users are undertaken entirely at their own discretion and risk.
5. No Client, Advisory, or Fiduciary Relationship
Accessing this website, subscribing to newsletters, attending events, purchasing educational materials, or communicating with ILH does not create any client, advisory, fiduciary, professional, or regulated relationship between you and Investing Literacy Hub.
ILH does not assume any duty of care beyond providing general educational information.
6. No Reliance
Users acknowledge and agree that they do not rely on any content, materials, publications, newsletters, events, or communications provided by Investing Literacy Hub when making financial or investment decisions.
All information is provided solely for general educational discussion, and must not be treated as a basis for any financial action.
7. Assumption of Risk
Users acknowledge that financial markets and investing involve inherent risks, including the risk of partial or total loss of capital.
By accessing and using this website or its materials, users voluntarily assume full responsibility for:
- Their own decisions
- Their interpretation of educational content
- Any outcomes resulting from actions taken independently
8. No Guarantees or Promises
Investing Literacy Hub makes no guarantees, representations, or warranties regarding:
- Investment performance
- Financial outcomes
- Returns, profits, or loss avoidance
- Accuracy, completeness, or future relevance of content
Any references to historical performance, compounding, market behaviour, or case studies are provided solely for educational illustration and do not indicate future results.
9. Use of Examples, Case Studies, and Public Information
Any references to companies, securities, markets, public figures, or historical events are used:
- For educational explanation only
- Without endorsement or recommendation
- Without opinion on suitability or expected performance
10. Intellectual Property
All content on this website, including but not limited to:
- Articles, newsletters, and publications
- E-books and training materials
- Presentations, graphics, and branding
is the intellectual property of Investing Literacy Hub, unless otherwise stated.
Users may view content for personal, non-commercial use only.
Users may not reproduce, distribute, republish, or commercially exploit any content without prior written consent.
11. Paid Products, Events, and Digital Content
Where applicable:
- Payments are for educational access only
- Access does not imply advisory or professional services
- Any refund or cancellation terms will be stated clearly at the point of purchase
Investing Literacy Hub reserves the right to modify, reschedule, or discontinue offerings at its discretion.
12. Limitation of Liability
To the maximum extent permitted by law, Investing Literacy Hub and its proprietor shall not be liable for any direct, indirect, incidental, consequential, or special loss or damage arising from:
- Use of this website or its content
- Participation in educational events or programs
- Reliance on educational materials
- Errors, omissions, or interpretations by users
Use of this website and its materials is entirely at your own risk.
13. Indemnification
Users agree to indemnify and hold harmless Investing Literacy Hub and its proprietor from and against any claims, losses, damages, liabilities, costs, or expenses (including reasonable legal fees) arising from:
- Misuse of the website or materials
- Violation of these Terms
- Reliance on educational content contrary to stated disclaimers
14. External Links
This website may contain links to third-party websites or resources.
Investing Literacy Hub:
- Does not control such websites
- Does not endorse their content
- Is not responsible for their practices
Access to third-party sites is at the user’s own discretion and risk.
15. Force Majeure
Investing Literacy Hub shall not be liable for any delay or failure to perform resulting from events beyond reasonable control, including but not limited to technical failures, service outages, natural events, or regulatory changes.
16. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms constitute the entire agreement between users and Investing Literacy Hub regarding use of the website and educational materials, superseding any prior communications or representations.
18. Changes to Terms
Investing Literacy Hub reserves the right to amend these Terms at any time.
Continued use of the website after changes constitutes acceptance of the revised Terms.
19. Governing Law & Jurisdiction
Investing Literacy Hub operates as a sole proprietorship registered in Singapore.
These Terms are governed by and construed in accordance with the laws of Singapore, and any disputes shall be subject to the exclusive jurisdiction of Singapore courts.
20. Contact
For questions relating to these Terms:
Investing Literacy Hub
(Operated as a sole proprietorship registered in Singapore)
Contact@investingliteracyhub.com