Terms and Conditions of Service

Welcome to Wadi Wisdom. These Terms and Conditions govern your access to and use of our AI-powered investment analysis, automated portfolio management, personalized financial planning, robo-advisory services, risk assessment, market insights, and educational resources provided through our online platform. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

1. Acceptance of Terms

By creating an account, accessing, or using our online platform or any of its features, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy, which is incorporated herein by reference. These Terms constitute a legally binding agreement between you and Wadi Wisdom.

2. Services Provided

Wadi Wisdom provides a range of financial technology and investment advisory services, including:

These services are for informational and educational purposes and to assist users in making informed investment decisions. Wadi Wisdom is not a bank, broker-dealer, or other financial institution. Investment involves risk, and past performance is not indicative of future results.

3. Eligibility and Account Registration

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement. To access certain features, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account.

4. User Responsibilities and Conduct

You agree to use our services only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this site by, any third party. You agree not to:

5. Investment Risks

All investments involve risk, including the loss of principal. The value of investments can fluctuate dramatically, and past performance is not a guarantee of future returns. Our services provide tools, information, and automated advice, but they do not eliminate investment risk. You are solely responsible for evaluating the merits and risks associated with the use of any information or content provided through our services before making any decisions. Wadi Wisdom does not guarantee any investment returns or specific outcomes.

6. Intellectual Property

All content, design, graphics, compilation, and other materials on our site are owned by Wadi Wisdom or its licensors and are protected by intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our platform, except as generally permitted for your personal, non-commercial use.

7. Disclaimers and Limitation of Liability

Our services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Wadi Wisdom does not warrant that our services will be uninterrupted, error-free, secure, or free of viruses or other harmful components. To the fullest extent permitted by law, Wadi Wisdom disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event will Wadi Wisdom, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, our online platform, any websites linked to it, any content on our online platform or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

8. Indemnification

You agree to defend, indemnify, and hold harmless Wadi Wisdom, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms and Conditions or your use of our services, including, but not limited to, your user contributions, any use of our content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from our online platform.

9. Changes to Terms

We may revise and update these Terms and Conditions from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of our services thereafter. Your continued use of our services following the posting of revised Terms and Conditions means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

10. Governing Law and Jurisdiction

All matters relating to our online platform and these Terms and Conditions, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of Singapore without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms and Conditions or our online platform shall be instituted exclusively in the courts of Singapore, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms and Conditions in your country of residence or any other relevant country.

11. Termination

We may terminate or suspend your access to all or part of our services for any or no reason, including without limitation, any violation of these Terms and Conditions. Upon termination, your right to use our services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

Wadi Wisdom

18 Cross Street, #09-02 PWC Building,

Singapore, Singapore, 048423

Phone: +65 6723 8899