Terms of Service

Effective Date: February 10, 2026

This website and all related digital products and services are operated under the Tim Talks Money brand by Inkcome Pte Ltd. (“we”, “us”, or “our”), a company incorporated in Singapore.

By accessing our website, enrolling in our courses, or purchasing any digital product, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use our Services.

OVERVIEW

Tim Talks Money provides digital educational products, including online courses, videos, and downloadable resources (collectively, the “Services”).

These Terms apply to all users of the site, including browsers, customers, and contributors of content.

We reserve the right to update or change these Terms at any time. Continued use of the Services constitutes acceptance of any changes.

SECTION 1 – WEBSITE TERMS

By using our Services, you confirm that you are at least the age of majority in your place of residence, or that you have obtained consent from a parent or legal guardian.

You may not use our Services for any unlawful or unauthorised purpose or violate any applicable laws, including intellectual-property or data-protection laws.

Any breach of these Terms may result in immediate termination of access.

SECTION 2 – GENERAL CONDITIONS

We reserve the right to refuse service to anyone at any time.

You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Services without our express written permission.

Headings are for convenience only and do not affect interpretation.

SECTION 3 – ACCURACY OF INFORMATION

Content provided through our Services is for general educational purposes only. We make no representations that information is complete, current, or error-free.

Any reliance on course materials is at your own risk.

SECTION 4 – MODIFICATIONS TO SERVICES & PRICING

Prices and Services are subject to change without notice.

We may modify, suspend, or discontinue any Service at any time without liability.

SECTION 5 – PRODUCTS & SERVICES

Our courses and digital products are delivered electronically and may be available exclusively online.

All sales are final, unless otherwise explicitly stated at checkout.

We do not guarantee that any product will meet your expectations or deliver specific results.

SECTION 6 – BILLING & ACCOUNT INFORMATION

You agree to provide accurate and complete billing and account information.

We reserve the right to refuse or cancel orders that appear fraudulent or abusive.

SECTION 7 – OPTIONAL TOOLS

We may provide access to third-party tools or platforms (including Thinkific). These are provided “as is” and we are not responsible for their functionality or terms.

SECTION 8 – THIRD-PARTY LINKS

Our Services may contain links to third-party websites. We are not responsible for their content, policies, or practices.

SECTION 9 – USER FEEDBACK & CONTENT

If you submit feedback, suggestions, or comments, you grant us the right to use them without restriction or compensation.

You agree that any content you submit will not violate third-party rights or applicable laws.

SECTION 10 – PERSONAL INFORMATION

Your submission of personal data is governed by our Privacy Policy.
[Insert link to Privacy Policy]

SECTION 11 – ERRORS & OMISSIONS

We reserve the right to correct errors, inaccuracies, or omissions and to cancel orders if information is inaccurate, without prior notice.

SECTION 12 – PROHIBITED USES

You may not use the Services to:

We may terminate access for violations.

SECTION 13 – DISCLAIMER OF WARRANTIES & LIMITATION OF LIABILITY

All Services are provided “as is” and “as available.”

To the fullest extent permitted by law, Inkcome Pte Ltd. shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Services.

Our total liability, if any, shall not exceed the amount paid by you for the applicable product.

SECTION 14 – INDEMNIFICATION

You agree to indemnify and hold harmless Inkcome Pte Ltd. and its officers, employees, and contractors from any claims arising from your breach of these Terms or misuse of the Services.

SECTION 15 – SEVERABILITY

If any provision is found unenforceable, the remaining provisions shall continue in full force.

SECTION 16 – TERMINATION

These Terms remain effective unless terminated by you or us.

We may terminate access immediately if you breach these Terms, without refund.

SECTION 17 – ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us.

SECTION 18 – GOVERNING LAW

These Terms are governed by and construed in accordance with the laws of Singapore, and you submit to the exclusive jurisdiction of the Singapore courts.

SECTION 19 – CHANGES TO TERMS

We may update these Terms at any time by posting changes on our website. Continued use constitutes acceptance.

SECTION 20 – CONTACT INFORMATION

Questions about these Terms should be sent to:

Tim Talks Money
📧 [email protected]
Operated by Inkcome Pte Ltd., Singapore

SECTION 21 – NO REFUND POLICY

Unless expressly stated otherwise at checkout, all purchases are final and non-refundable.