Terms & Conditions

Last updated: 18 October 2026

1. Acceptance of These Terms

These Terms & Conditions (“Terms”) apply to your access to and use of Ace Velocity websites, pages, digital content, tools, downloads, email communications, and related services (collectively, the “Services”), operated by Avanza Digital, a registered sole proprietorship in Singapore (“Ace Velocity,” “we,” “us,” or “our”).

By accessing or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Services. If additional terms apply to a particular product, promotion, or service, those additional terms will also apply.

2. Eligibility and Acceptable Use

You agree to use the Services lawfully and responsibly. You must not:

• use the Services in violation of applicable laws or another person’s rights;
• attempt to gain unauthorized access to our systems, accounts, or data, or interfere with the security or operation of the Services;
• introduce malware, malicious code, or harmful material;
• misuse forms, contact channels, comments, or other interactive features, including by sending spam or deceptive material; or
• copy, scrape, reproduce, exploit, or redistribute our content or Services except as permitted by these Terms or applicable law.

3. Information, Content, and Educational Purpose

We provide information, articles, guides, digital tools, resource collections, and other materials for general informational and educational purposes. We aim to keep content useful and current, but we do not promise that every item will be complete, accurate, current, suitable for your circumstances, or available at all times.

Content is not a substitute for professional advice, including legal, financial, medical, tax, or other advice. You are responsible for evaluating information and deciding whether and how to use it. Any examples, illustrations, or results discussed are not guarantees of what you will achieve.

4. Digital Products, Downloads, and Paid Services

Some content or services may be offered free of charge, while others may be sold or provided subject to separate terms. Product descriptions, prices, access details, payment terms, and any applicable refund or cancellation policy will be presented on the relevant offer or checkout page or in the applicable product terms.

You are responsible for reviewing those details before placing an order and for providing accurate purchase and contact information. Payments may be handled by third-party payment processors and are also subject to their applicable terms and privacy practices.

Where a refund, cancellation, withdrawal, or other consumer right is required by applicable law, nothing in these Terms is intended to exclude that right. Otherwise, any refund or cancellation is governed by the policy disclosed for the relevant purchase.

5. Intellectual Property and Permitted Use

Unless stated otherwise, the Services and their content—including text, graphics, branding, logos, designs, compilations, and original digital resources—are owned by or licensed to Avanza Digital and are protected by applicable intellectual property laws.

You may access and use publicly available content for your personal, non-commercial use. You must not, without our prior written permission or another valid legal basis:

• republish or redistribute our material as your own;
• sell, rent, sublicense, or commercially exploit our content or downloads;
• remove copyright, trademark, or other proprietary notices; or
• use our name, logo, or branding in a way that suggests sponsorship, affiliation, or endorsement without permission.

Any licence or usage terms provided with a particular product or resource take precedence for that item to the extent of any inconsistency.

6. User Submissions and Comments

If a Service allows you to submit comments, feedback, suggestions, or other material (“Submissions”), you are responsible for your Submissions and must have the rights and permissions needed to provide them. Submissions must not be unlawful, defamatory, abusive, deceptive, infringing, invasive of privacy, or promotional spam.

To the extent permitted by law, you grant us a non-exclusive, worldwide, royalty-free licence to host, display, reproduce, and make reasonable formatting or technical edits to Submissions for operating, maintaining, and promoting the relevant Services. This licence does not transfer ownership of your Submission. We may remove or decline to publish Submissions that we reasonably consider inappropriate or that breach these Terms.

We do not necessarily review Submissions before they appear, and user opinions are those of their authors rather than statements made by us.

7. Third-Party Websites, Tools, and Services

The Services may link to or integrate with third-party websites, tools, platforms, payment providers, advertising services, or affiliate partners. These third parties operate independently and may have their own terms, privacy notices, fees, and practices.

We do not control and are not responsible for third-party websites or services, their availability, or their content. A link or mention does not necessarily mean we endorse the third party. You access and use third-party services at your own discretion and subject to their terms.

8. Affiliate Links and Advertising

Some pages may contain affiliate links or promotional material. If you follow an affiliate link and make a qualifying purchase, we may receive a commission at no additional cost to you, unless the relevant offer states otherwise. We aim to identify affiliate relationships where appropriate.

Advertising and tracking technologies may be used as described in our Privacy Policy and subject to applicable consent requirements and your available settings.

9. Privacy and Cookies

Our collection and use of personal data are explained in our Privacy Policy and, where applicable, our GDPR Privacy Policy. Cookies and similar technologies may be used to operate the website, understand usage, and support advertising or affiliate functions, subject to applicable law and your choices.

10. Website Availability and Changes

We may update, suspend, restrict, or discontinue all or part of the Services, and may change content or features, at any time. We do not guarantee uninterrupted or error-free access. We may revise these Terms from time to time by publishing an updated version on this page. The effective date above indicates when the current version was updated. Your continued use after updated Terms are published means you accept them, to the extent permitted by law.

11. Disclaimers

To the maximum extent permitted by applicable law, the Services and content are provided on an “as is” and “as available” basis, without warranties or conditions of any kind, whether express, implied, or statutory. We do not warrant that the Services will always be secure, available, accurate, complete, or free from errors or harmful components, or that they will meet your expectations.

Nothing in these Terms excludes a warranty, right, or remedy that cannot lawfully be excluded under applicable law.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Avanza Digital will not be liable for indirect, incidental, special, consequential, or punitive loss, or for loss of profits, revenue, business opportunities, data, goodwill, or anticipated savings arising from or related to your use of, or inability to use, the Services.

To the maximum extent permitted by applicable law, we are not responsible for loss or damage resulting from reliance on general information, third-party websites or services, service interruptions, unauthorized access beyond our reasonable control, or actions you take based on content provided through the Services.

Nothing in these Terms limits or excludes liability where doing so would be unlawful, including liability that cannot be excluded under applicable law for fraud, fraudulent misrepresentation, death, or personal injury caused by negligence where such exclusion is prohibited.

13. Indemnity

To the extent permitted by applicable law, you agree to be responsible for claims, liabilities, losses, and reasonable expenses arising from your unlawful use of the Services, your material breach of these Terms, or your infringement of another person’s rights. This clause does not apply to the extent a claim results from our own conduct for which the law does not permit responsibility to be shifted to you.

14. Links to Our Website

You may link to a publicly accessible page of our website if the link is lawful, fair, and not misleading, and does not falsely suggest that we sponsor, endorse, or are affiliated with you. You must not frame our pages in a way that changes their appearance or presentation without our prior written permission. We may ask you to remove a link where we reasonably believe it breaches these Terms or misrepresents our relationship.

15. Governing Law

These Terms are governed by the laws of Singapore, without regard to conflict-of-law principles, except where mandatory consumer protection laws in your country of residence apply and cannot lawfully be displaced. Subject to any mandatory rights or procedures under applicable law, disputes relating to these Terms will be subject to the jurisdiction of the courts of Singapore.

16. Severability and No Waiver

If any provision of these Terms is found to be unlawful or unenforceable, the remaining provisions will continue in effect to the extent permitted by law. A failure or delay in enforcing a provision does not waive our right to enforce it later.

17. Contact

If you have questions or concerns about these Terms, please contact us through the Ace Velocity help centre:

https://help.acevelocity.com