This website and its related software (the Software) are the property of OAKIFY TECHNOLOGIES PTE. LTD. (the Company). This agreement and this policy apply automatically to anyone using the Software (the User(s)).

Terms of Use

The content and source code of the Software are protected under international intellectual property law. It is not permitted to reproduce, copy, distribute, duplicate, modify or share the Software without the prior written consent of the Company. Any party infringing these terms and conditions may be prosecuted and damages may be claimed. The Company reserves the right to change these terms at any time. Users that do not comply with these terms may have their subscription revoked, their plans cancelled and their data deleted. The Company strives to write, update and maintain the Software to the highest standards possible but does not guarantee that the Software will be free of bugs, issues or to be fully protected against malicious intent. The Company can in no way be held responsible for any technical or human error, occurring during its use or as a result of its exposure to the Internet (as it is web-based) and shall not be held liable for any damage should such an error occurs, including but not limited to loss of data or interruption of service.

The User understands that it is forbidden to save on the Software any data that could be considered pornographic, disturbing or violent in nature, which infringes any third party right or interest (including personal data) or which is illegal in any way. This extends to any link to such material, image, data or document. The Company reserves the right to investigate, track and report any data saved on the Software and that may be suspected of being in breach with this agreement.

Investment Advice

The Software and the information it contains do not constitute, and should not be construed as, investment advice or a recommendation to buy, sell, or otherwise transact in any investment including any products or services or an invitation, offer or solicitation to engage in any investment activity of any kind. The Company invites the User to do their own research and come to their own conclusions before making any financial or investment decision. Any such decision is the User’s alone and the User does so at their own risk.

Oakify Scores, Recommendations and Correctness of Data

The scores and recommendations provided by the Software are indicative only, are designed to be a helpful tool but should not be relied upon to make important decisions. Analysis made by the Software is based on the information the User has provided as well as certain assumptions, including market performance assumptions based on hypothetical scenarios using historical index data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data Users have provided. Fund fees and other expenses (including but not limited to taxes and broker fees) will generally reduce the User’s actual investment returns and are poorly represented in most hypothetical projections.

Recommendations made by the Software are provided as a guidance, are drawn from industry practices and should be useful for many Users but should not be applied blindly as they may not be relevant in all situation and for every single User.

Subscriptions

The paid subscriptions are to be paid on a monthly or yearly basis. Users may choose to cancel the subscriptions and downgrade to a free account or delete their account and data. Payments are to be made in full at the beginning of the relevant subscription period. The Company may decide to interrupt the service or access to the Software for users that have not made due payments.

All payments are final and non-reimbursable.

Data Security

Even if the data entered by the Users may be encrypted, the Company does not recommend using the Software on devices that are not secure and trusted by the Users, devices that do not run up-to-date anti-virus and firewall software and devices whose access does not require authentication. The Company cannot enforce these recommendations but failing to follow this advice may potentially result in the Users' data being breached and recovered by malicious third parties.

The Users understand that the opt-in feature allowing the Users to "stay logged-in" will log the Users in automatically to the Software until the Users explicitly log out.

Limitation of Liability

Notwithstanding anything written herein to the contrary, the Users and the Company acknowledge and agree that the Company will not be liable for any losses or damages, whether indirect, incidental, special or consequential, in profits, goods or services, irrespective of whether or not the Users have been advised or otherwise might have anticipated the possibility of such loss or damage.

Privacy Policy

The Company does not intend to use any of the User’s financial data for their profit but may aggregate and use data on an anonymized basis. Users own their data saved on the Software and may choose to modify or delete their data from the Software. The Company may keep multiple backed-up versions of the data used in production, including, for a limited period of time, the data that is deleted by the Users. The Company does however reserve the right to retain in their records information concerning Users that misused the Software or did not observe the Software's Terms of Use. Such information is to be used solely to protect the Company and could include, without being limited to, the following list of data points: email addresses, IP addresses, subscription history and other account information, along with any type of documentation on the suspected or proven misuse of the Software and accompanying documents, logs or communication records.

The Company may use the Users' email addresses, for example to activate their user accounts, reset their passwords, notify the Users about updated terms, or contact the Users (or answer to the Users' questions). The Company may also send notifications or reminder emails to the Users as needed, unless the Users opt-out of this feature. The Company will not send unsolicited email or unsolicited push notifications to the Users who have opted-out from such communication. The Company will not send any promotional or newsletter type email to the Users unless they have opted-in to receive such email.

The Company does not and will not share any of the Users' data on a non-aggregated basis with any third party without the Users' consent, unless it is requested by the authorities and within the extent of the law.

The Company however reserves the right to use third party "audience auditing software" (for example Ackee: https://ackee.electerious.com/) to evaluate and monitor the use of the Software, with no intention to use or exploit the Users' Personal Data and will not aim, during said audit or at any time, to seek, gather or use any data that may be used to identify or locate a specific natural person. The browsing history of the Users is not tracked outside of the perimeter of the above-mentioned audience auditing software and to understand the source of the traffic. The Users' browser history will not be used for commercial reasons or advertising.

The Users understand that the Software stores data and files locally on their devices when the Software is installed and/or used. This includes the use of 'Local Storage' 'Session Storage', 'IndexedDB', 'Cache Storage' and, in some limited instances, due to the use of third-party software, 'Cookies'. These methods are used to provide the best user experience possible, including but not limited to the ability to use the Software when the device is offline as well as performance or speed of data retrieval. The data stored locally is not used by the Company to track the Users' behavior, browsing history or for advertisement reasons.

Third Party Data Provider(s)

Users who wish to connect their Oakify account to their bank or brokerage account(s) may be offered to do so through third-party data providers. In such a case, the User acknowledges the additional privacy policies and terms of use imposed by the third party, including but not limited to the below terms:

Users who provide the third party with the log-in credentials (“Credentials”) to their accounts do so at their own risk.

By using such service, Users agree that the data sources that maintain their accounts and any third parties that interact with their Credentials or account data in connection with the Software are not liable for any loss, theft, compromise, or misuse whatsoever in connection with the Software (including negligence), except to the extent such liability cannot be limited under applicable law.

Data sources make no warranties of any kind related to the data provided by the Software --whether express, implied, statutory, or otherwise. No data provided by the Software is an official record of any of the Users’ accounts.

The Software may, if the Users elect, provide a connection to their accounts through Envestnet | Yodlee. In such a case, when Users request data from a source (bank or broker...) within the Software, Yodlee collects that data and provides it to the Software. Yodlee acts on the Company’s behalf in this process, which means we (the Company) share the Users’ data with Yodlee as one of our service providers. For more information on how Yodlee collects, uses, stores, and handles data, Users should refer to Envestnet | Yodlee’s Commitment to its Clients and their Users (www.yodlee.com/clients-consumers). If there is any inconsistency between Yodlee’s Commitment and these terms regarding Yodlee’s activities, then Yodlee’s Commitment is correct.