Terms of Service
Last Updated: 1-Aug-2025
PLEASE READ THESE TERMS CAREFULLY. By accessing our website, purchasing our programs, attending our events, or using any of our services, you agree to be bound by the following Terms of Service (“Terms”) set out by Inspire.co Pte Ltd (“we,” “our,” or “us”), operating under the brand names Arigato Investor and Chloe Lin.
1. WHO WE ARE
Inspire.co Pte Ltd is a Singapore-based education company focused on providing investing, personal finance, and personal growth education through digital content, webinars, live events, and coaching programs. We are not a licensed financial advisor or travel agent.
2. ELIGIBILITY & RESPONSIBILITIES
By using our services, you confirm that:
- You are at least 18 years of age.
- You understand our services are educational in nature and not professional investment or travel advice.
- You are responsible for your own financial and travel decisions.
3. NO FINANCIAL OR TRAVEL LICENSED SERVICES
We are not licensed by the Monetary Authority of Singapore (MAS) to provide financial advisory services. We are not licensed by the Singapore Tourism Board (STB) as a travel agency. Any trips or gatherings we organize are for community-building and educational purposes only.
By engaging with us, you acknowledge and agree that:
- We do not guarantee any investment or financial returns.
- Any mention of tours or trips is voluntary, self-funded, and not part of a regulated travel package.
- You are responsible for conducting your own due diligence before making any financial or travel-related commitments.
4. USER CONDUCT & PARTICIPATION
You agree not to:
- Share, distribute, or resell our materials without permission.
- Misrepresent our company’s services or intentions.
- Engage in any legal or regulatory complaints in bad faith or with the intent to harm our company.
5. INTELLECTUAL PROPERTY
All content we provide (videos, PDFs, tools, program materials, etc.) are owned by Inspire.co Pte Ltd. You are granted a limited, non-transferable license for personal use only.
6. REFUND POLICY
We have a strict no-refund policy for all purchases of our products, courses, programs, and services. This policy applies regardless of the payment method, including but not limited to:
- Direct payments made through our official website,
- Direct bank transfers to Inspire.co Pte Ltd,
- Payments processed via any third-party payment gateways or platforms that Inspire.co uses to facilitate transactions.
By making a payment using any of these methods, you acknowledge and agree that all sales are final and non-refundable.
7. DISCLAIMER
All investments carry risks. Our materials are for informational and educational purposes only. We do not promise results or make performance guarantees.
8. LIMITATION OF LIABILITY
To the fullest extent allowed by law, we shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services. This includes any losses or damages related to your personal investment or travel decisions.
You agree to indemnify and hold Inspire.co Pte Ltd and its affiliates harmless against any claims or damages arising from your violation of these Terms or your use of our services.
9. DISPUTE RESOLUTION
Any dispute arising out of or relating to these Terms shall first be addressed in writing between you and Inspire.co Pte Ltd. If unresolved after good-faith negotiations, both parties agree to participate in mediation.
10. GOVERNING LAW
These Terms are governed by the laws of Singapore. Any disputes shall be resolved exclusively under the jurisdiction of Singapore courts.
11. BINDING ARBITRATION
If a dispute cannot be resolved amicably or through mediation, it will be submitted to final and binding arbitration in Singapore, conducted under the Singapore International Arbitration Centre (SIAC) rules.
12. CLASS ACTION WAIVER
You agree to resolve disputes only in your individual capacity and waive any rights to participate in class actions, class arbitrations, or any collective legal proceeding.
13. ENTIRE AGREEMENT
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Inspire.co Pte Ltd concerning your use of our services and supersede any prior agreements.
14. TERMINATION
We reserve the right to suspend or terminate your access to our services at any time, without notice, for any breach of these Terms.
15. SEVERABILITY
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
16. MISCELLANEOUS
- No waiver of any rights under these Terms shall be effective unless in writing and signed by an authorized representative of Inspire.co Pte Ltd.
- Subheadings are provided for convenience only and shall not affect interpretation of these Terms.
17. CONTACT US
For any questions or concerns about these Terms, please contact:
Inspire.co Pte Ltd
Email: hi@arigatoinvestor.com
IMPORTANT NOTICE:
We are an education company. We do not provide licensed financial or travel services. All participation is voluntary and at your own risk.