Terms of Service

1. Overview

Welcome to funds.movingto.com (the "Site"), operated by Moving To Global Pte. Ltd., trading as Movingto Funds ("we", "us", or "our").

By accessing or using the Site, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Site.

These Terms should be read in conjunction with our Disclaimer and Privacy Policy, which together govern your use of the Site.

2. Eligibility and Access

The Site is intended for users who are at least 18 years of age. By using the Site, you warrant that you have the legal capacity to enter into these Terms and to comply with all applicable laws and regulations.

Access to the Site may be restricted in certain jurisdictions. You are responsible for ensuring that your use of the Site complies with the laws of your jurisdiction.

3. Account Registration

Certain features of the Site may require you to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete registration information
• Maintain and promptly update your registration information
• Keep your login credentials confidential and secure
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorised use of your account

We reserve the right to suspend or terminate accounts at our sole discretion, including for breach of these Terms or suspected fraudulent activity.

4. User Conduct

When using the Site, you agree NOT to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Impersonate any person or entity, or falsely state or misrepresent your affiliation
• Submit false, misleading, or fraudulent information
• Interfere with or disrupt the Site's security, functionality, or servers
• Attempt to gain unauthorised access to any systems, accounts, or data
• Use automated tools, bots, or scrapers without our express written permission
• Harass, abuse, threaten, or harm other users
• Infringe upon the intellectual property rights of others
• Transmit viruses, malware, or other harmful code

5. Acceptable Use

The Site is provided for personal, non-commercial informational purposes. You may:

• Browse and view fund information
• Compare funds using our comparison tools
• Submit enquiries to fund managers through our platform
• Save funds to your shortlist (account required)

You must NOT:

• Republish, redistribute, or commercially exploit Site content
• Use Site content to create competing products or services
• Frame, embed, or mirror Site content without permission
• Systematically download or collect data from the Site

6. Enquiries and Introductions

When you submit an enquiry through the Site, your contact information and enquiry details may be shared with the relevant fund manager or our commercial partners.

We facilitate introductions between you and fund managers only. We are NOT a party to any investment transactions, negotiations, or agreements that may result from such introductions.

You are solely responsible for conducting your own due diligence before making any investment decisions. Please refer to our Disclaimer for important information about the limitations of our service.

7. Content and Information

While we strive to provide accurate and up-to-date information, we make no guarantees regarding the accuracy, completeness, or timeliness of any content on the Site.

• Information may be incomplete, outdated, or contain errors
• Fund details are provided by fund managers and may change without notice
• You must independently verify all information before making decisions
• Third-party content is not controlled or endorsed by us

For full disclaimers regarding content accuracy, please see our Disclaimer.

8. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, data compilations, and software, is the property of Moving To Global Pte. Ltd. or its licensors and is protected by Singapore and international copyright laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes only. This license does not include:

• Any right to copy, modify, or distribute Site content
• Permission to create derivative works
• Any transfer of intellectual property rights

Trademarks, service marks, and logos displayed on the Site belong to their respective owners.

9. User-Generated Content

If you submit any content to the Site (including enquiries, feedback, suggestions, or reviews), you:

• Grant us a worldwide, royalty-free, perpetual license to use, reproduce, modify, and distribute such content
• Warrant that you own or have the right to submit the content
• Warrant that the content does not infringe any third-party rights
• Acknowledge that we may remove or modify content at our sole discretion

10. Third-Party Links and Services

The Site may contain links to external websites and services operated by third parties. We do not control, endorse, or assume responsibility for any third-party sites or their content.

Your use of third-party websites is at your own risk and subject to the terms and policies of those sites. We encourage you to review the terms and privacy policies of any external sites you visit.

11. Disclaimers and Limitation of Liability

Please refer to our comprehensive Disclaimer for detailed information about the limitations of our service.

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE EXCLUDE ALL LIABILITY FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Any investment losses or financial decisions made based on Site content
• Any damages arising from your use of or inability to use the Site

Our total liability for any claims arising from your use of the Site shall not exceed SGD $100 or the amount you have paid to us (if any), whichever is less.

12. Indemnification

You agree to indemnify, defend, and hold harmless Moving To Global Pte. Ltd., its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your use of the Site
• Your breach of these Terms
• Your violation of any third-party rights
• Any content you submit to the Site

13. Termination

We may terminate or suspend your access to the Site at any time, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Suspected fraudulent or illegal activity
• Request by law enforcement or government agencies
• Extended periods of inactivity
• Technical or security issues

Upon termination, your right to use the Site will immediately cease. Provisions of these Terms that by their nature should survive termination shall remain in effect, including intellectual property, disclaimers, limitation of liability, and indemnification.

14. Dispute Resolution

If you have any dispute or concern regarding the Site or these Terms, we encourage you to first contact us at info@movingto.com to seek an informal resolution.

We will attempt to resolve any dispute within 30 days. If a resolution cannot be reached informally, any legal proceedings must be brought in the courts of Singapore.

Nothing in these Terms affects your statutory rights under applicable Singapore law or any other consumer protection legislation that cannot be excluded.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with an updated effective date.

Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

16. About the Operator

The Site is operated by:

Moving To Global Pte. Ltd.
Trading as: Movingto Funds
68 Circular Road, #02-01, Singapore 049422

Part of the Movingto Group. Learn more at group.movingto.com

For enquiries regarding these Terms, please contact us at info@movingto.com.

17. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

These Terms, together with our Disclaimer and Privacy Policy, constitute the entire agreement between you and Moving To Global Pte. Ltd. regarding your use of the Site. No waiver of any provision shall be effective unless in writing and signed by an authorised representative.