Terms of Service
1. Service Description
megmarketresearch ("we", "us") provides an independent financial education service, including an online stock investing masterclass, written guides, video workshops, and a community group discussion platform (WhatsApp). The Service is designed for general educational information sharing only.
2. Key Disclaimers — Please Read Carefully
2.1 Investment Risk Disclosure
Investing in the stock market involves inherent risks, including potential loss of principal. Past performance does not guarantee future results. All examples, case studies, back-test results and historical market data shared on our Service are for illustrative teaching purposes only. They are not a guarantee, forecast or prediction of future returns on any investment product, stock, ETF, index or portfolio.
2.2 No Personalised Financial Advice
All content is for educational purposes only and does not constitute personalised financial advice, investment recommendations, tax advice, legal advice, an offer to sell, or a solicitation of an offer to buy any security, derivative, fund or other financial instrument. The Service does not take into account your individual financial circumstances, risk tolerance, investment objectives, or goals.
Before making any investment decision, you should consult a licensed financial advisor and/or a qualified tax professional in your jurisdiction.
2.3 No License to Trade
megmarketresearch is NOT a broker-dealer, custodian, stockbroker, fund manager, investment adviser registered with the MAS (Singapore Monetary Authority of Singapore) or any equivalent regulatory body. We do not hold your funds, execute trades, provide margin, or custody assets on your behalf.
2.4 No Outcome Guarantees
We do not guarantee that: (a) you will achieve any particular financial or investment outcome; (b) the educational content will be uninterrupted, secure, or error-free; (c) defects will be corrected; or (d) the website or WhatsApp group is free of viruses or other harmful components.
3. User Eligibility
- You must be at least 18 years old to use the Service.
- By submitting a registration form, you confirm that all information you provide is accurate, complete and yours.
- You are responsible for maintaining the confidentiality of your login credentials (if any).
4. User Conduct & WhatsApp Group Rules
As a member of our WhatsApp group, you agree to:
- Be respectful to other members and megmarketresearch staff
- Use the group for educational discussion only — strictly no promotion of outside schemes, paid signals, pump-and-dump stocks, crypto scams, MLM or pyramid offers
- Not share misleading, false, offensive or defamatory content
- Not impersonate any person or entity
- Not attempt to solicit or contact other members with commercial offers without written consent
We reserve the right to remove any member from the group at any time, without notice or refund, for violation of these rules.
5. Intellectual Property Rights
All content published by megmarketresearch — including course materials, guides, video recordings, infographics, brand logos, website copy and WhatsApp group materials — is protected by copyright, trademark and other intellectual property laws. You may NOT reproduce, redistribute, sell, or share any paid or free masterclass content with third parties without prior written permission.
6. Fees & Payment
From time to time we may offer paid educational products, masterclass recordings, workshops or memberships. All transactions are final and non-refundable unless specifically stated otherwise on the order page. Payments are processed through approved payment processors, and we never store credit card numbers on our servers.
7. Limitation of Liability
To the maximum extent permitted by law, megmarketresearch, its officers, mentors, employees and affiliates will NOT be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, including loss of profits, loss of data, or loss of goodwill, arising out of or in connection with your use of (or inability to use) the Service, even if advised of the possibility of such damages. Our total cumulative liability for any claim arising under these Terms shall in no case exceed the total amount of fees (if any) paid by you to us in the preceding 12 months.
8. Indemnification
You agree to indemnify, defend and hold harmless megmarketresearch from and against any claim, liability, damage, loss and expense (including reasonable attorneys' fees) arising out of or relating to (a) your breach of these Terms, (b) your violation of any law or the rights of a third party, or (c) any investment decisions you make — educational examples do not relieve you of your personal responsibility for your own trades.
9. Third-Party Links
The Service may contain links to third-party websites (e.g. WhatsApp, YouTube, Google). We do not own or control these websites, and we are not responsible for their content, policies or practices. You access them at your own risk.
10. Force Majeure
We shall not be liable for any failure or delay in performing our obligations resulting from acts beyond our reasonable control, including but not limited to natural disasters, internet outages, platform (WhatsApp/Google) service disruptions, government actions, strikes or riots.
11. Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law principles. Any dispute arising under these Terms shall be submitted exclusively to the courts of Singapore.
12. Severability & Amendments
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such original provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. We may update these Terms at any time by posting an updated version on this page — continued use of the Service after any such change constitutes acceptance of the revised Terms.
13. Contact
Questions about these Terms of Service? Email support@megmarketresearch.com.