1. ACCEPTANCE OF TERMS
1.1 By using and accessing https://www.tinyassets.co (the "Website"), you conclude a legally binding agreement with us, Tiny Assets ("we" or "us"), the owner and administrator of the Website.
1.3 We may amend this Terms of Service at any time by posting a revised version on the Website. However, an individual notice will not be sent to you. Any amended Terms of Service shall replace all previous versions of the same. If you do not agree to the amendments or changes to the Terms of Service, you should immediately cease use of any of the services on the Website. After any such amendment becomes effective, we will deem your continued use of the Website to constitute acceptance and agreement to such amendment. You can review the most current version of the Terms of Service at any time at https://www.tinyassets.co/terms
1.4 We will, from time to time, post on the Website, guidelines and rules relating to the use of the Website. All such guidelines or rules are hereby incorporated by reference into the Terms of Service.
2. USE OF THE WEBSITE
2.1 You agree to comply with the Policy of Acceptable Use in using the Website. We may remove or delete any content that you have provided on the Website if we, in our absolute discretion, suspect that you have violated the Policy of Acceptable Use.
2.2 In carrying out any transactions with us on or in relation to the Website or registering an account with us on the Website, you warrant that:
• you are above 21 years of age;
• you are using your actual identity;
• the personal data that you have provided to us are true, accurate, complete, and current; and
• you will maintain and promptly update your personal particulars and ensure that such information is kept true, accurate, complete, and current.
2.3 Children (users below the age of 21 years) are not eligible to use the Website or provide any personal data on the Website unsupervised. If you are below 21 years of age, you may use the Website and/or provide any personal data on the Website only after you have obtained consent from your parents/legal guardian or if you are under the supervision of your parent/legal guardian.
2.4 In the event that we have given you (or where you have chosen) a password which enables you to access certain parts of the Website, you acknowledge that you are fully responsible for maintaining the confidentiality of your password, and all activities occurring under your account.
2.5 You agree to notify us of any breach of security of your password.
2.6 We will not be liable for any loss or damage arising from your failure to comply with this Clause 2.
3. WEBSITE MATERIAL
3.1 By using and accessing the Website, you will be exposed to information, data, text, software, photographs, graphics, video, messages or other materials that we and/or other users of the Website upload, post, email, transmit or otherwise make available on the Website ("Website Material") whether publicly or privately.
3.2 You understand Website Material may be offensive, indecent or objectionable.
3.3 You understand that Website Material may only be used for the your own and non-commercial use, and not for publication, distribution, transmission, retransmission, redistribution, broadcast, reproduction or circulation to someone else in the same company or organisation, and not for posting to other websites or forums, newsgroups, mailing lists, electronic bulletin boards, Internet Relay Chats operated by other websites.
3.4 You agree not to reproduce, display or otherwise provide access to the Website or Website Material on another website or server.
3.5 We are, under no circumstances, liable for any Website Material, including but not limited to, any errors or omissions in any Website Material, or for any loss or damage of any kind incurred as a result of the use of any Website Material posted, emailed, transmitted or otherwise made available on the Website.
3.6 The information here is intended for general circulation and/or discussion purposes only. It does not take into account the specific objectives, financial situation or particular needs of any particular person.
3.7 If you are not buying a tiny home or lots to live in but for financial returns, please consult with your legal, regulatory, tax, financial and accounting advisors to the extent you consider it necessary, and make your decisions based on your judgement and advice from those advisors you consider necessary.
3.8 If you choose not to seek advice, you should carefully consider whether buying a tiny home for financial returns is suitable for you, taking into account your specific investment objectives, financial situation or particular needs.
3.9 This does not constitute an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into any transaction or to participate in any investment strategy.
3.10 When you start an account with Tiny Assets, you will be buying nights for getaway into your account. You then authorize us to put together a portfolio of getaway for you to book at a later date. You understand that we will be buying actual nights for getaway and listing it on booking platforms. These nights for getaway belong to you and not Tiny Assets; it is your asset, not an asset of Tiny Assets. We are simply holding the nights for you. You authorize us to sell the nights when you are not using it. Any leftover amounts in your account will be used to pay for Tiny Assets’ fees. If there are amounts left after the payment of your fees, you can leave such amount in your account or ask for it to be refunded to you.
3.11 Each time you login to your account, you will be able to see the refund value of your purchase. You may, at any time, ask that we refund your purchase. You acknowledge that Tiny Assets cannot guarantee that the value of the purchase not decrease. If you ask for your purchase to be refunded, we will endeavor to do so as soon as practicable, but in any event within 8 weeks of your request. There is a flat admin fee of USD 50 for each refund request. Also, you may request to book the nights for getaway.
4. DISCLAIMER OF WARRANTIES
4.1 Your use of the Website is at your sole risk. We disclaim all warranties of any kind, whether express or implied.
5. We reserve the right at any time and from time to time to modify and discontinue, temporarily or permanently, any services of the Website (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of such services.
5.1 We make no warranty that:
• the Website will meet your requirements;
• the Website will be uninterrupted, timely, secure and error-free;
• any results that may obtained from the use of the Website will be accurate or reliable; and
• the quality of any products, services, information or other material purchased or obtained by you through the Website will meet your expectations.
5.2 We cannot and do not endorse, and cannot be responsible for, the messages, views, opinions, research and recommendations of individuals, users, and organisations of deemed interest, or advocate any patronage of any particular service provider, course of treatment or commercial dealings in any securities, investments or classes of securities or investments nor does the inclusion on the Website of a link to other website(s) or resources imply any form of endorsement by us.
5.3 We do not actively review or edit the messages, views, opinions, research and recommendations of users, even if such messages, views, opinions, research and recommendations are made by the users using the Website. While the information on the Website has been obtained from sources believed to be reliable, none of the data, news, information, reports or opinions nor any of the recommendations (if any) has been customised for any specific person or class of persons. Therefore, please use the Website at your own risk.
5.4 By making available information and data pursuant on the Website, including facts, views, opinions and recommendations of individuals and organisations of deemed interest, we and our content providers are not giving or purporting to give or representing or holding themselves out as giving financial, investment, tax, legal and other professional advice. You shall always seek the relevant professional advice before otherwise making any such decisions.
5.5 We may monitor or review any areas on the Website where you transmit or post communications for the purpose of promoting its efficiency, usefulness and appropriateness of use. However, we do not undertake to monitor or review every posting or communication, and we disclaim any and all liability relating to all Website Material, whether or not arising under the laws of copyright, trademarks, libel, privacy, obscenity, or otherwise.
6.1 You agree to indemnify and hold us, and our subsidiaries, affiliates, officers, agents or other partners, and employees, harmless from any claim or demand, including attorneys' fees, made by any third party due to or arising out of any content that you submit, post, transmit or make available on the Website, your use of the Website, your connection to the Website, your violation of the Terms of Service, or your violation of any rights of another party.
7. LIMITATION OF LIABILITY
7.1 We shall not be liable to you for any direct, indirect, incidental, special, consequences or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from:
• the use or the inability to use the Website;
• the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Website;
• unauthorized access to or alteration of your transmissions or data;
• statements or conduct of any third party on the Website; and
• any other matter relating to the Website.
7.2 Any claim of any nature whatsoever by either party against the other party and any action against the other party must be commenced within 2 years after the date on which the cause of action arises, following which the aggrieved party shall have no further claim whatsoever against the other party.
8.3 We are committed to safeguarding the privacy of our website visitors; this policy sets out how we will treat your personal information.
8.4 Our policies are in line with the guidelines issued in the Model Data Protection Code issued by the Singapore Government.
(1) What information do we collect?
We may collect, store and use the following kinds of personal data:
(a) information about your computer and about your visits to and use of this website, such as your IP address, geographical location, browser type, referral source, length of visit and number of page views.
(b) information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any purchases you make of our goods or services.
(c) information that you provide to us for the purpose of registering with us.
(d) information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters.
(e) any other information that you choose to send to us.
We may send a cookie which may be stored on by your browser on your computer's hard drive. We may use the information we obtain from the cookie in the administration of this website, to improve the website's usability and for marketing purposes. We may also use that information to recognise your computer when you visit our website, and to personalise our website for you. Our advertisers may also send you cookies.
Most browsers allow you to refuse to accept cookies. This will, however, have a negative impact upon the usability of many websites, including this one.
(3) Using your personal data
We may use your personal information to:
(a) administer the website
(b) improve your browsing experience by personalising the website
(c) enable your use of the services available on the website
(d) send you general communications via email or SMS
(e) send you email notifications which you have specifically requested
(f) provide third parties with statistical information about our users - but this information will not be used to identify any individual user
(g) deal with enquiries and complaints made by or about you relating to the website
We will not without your express consent provide your personal information to any third parties for the purpose of direct marketing.
(4) Other disclosures
(a) to the extent that we are required to do so by law
(b) in connection with any legal proceedings or prospective legal proceedings
(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk)
(d) to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling.
(5) International data transfers
(6) Security of your personal data
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the personal information you provide on our secure servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.
Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
You are responsible for keeping your password and user details confidential. We will NEVER ask you for your password other than when you log in to the website.
(7) Policy amendments
(8) Your rights
You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to a fee.
You may instruct us not to process your personal data for marketing purposes by using your account communications preferences at any time.
You will be able to move your data to a competing service if you want to.
You will have a clearly defined “right to be forgotten” (right to erasure), with clear safeguards.
You will have the right to know about any harmful data breaches from us without delay.
(9) Third party websites
The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.
(10) Updating information
Please let us know if the personal information which we hold about you needs to be corrected or updated.
9. COPYRIGHT INFRINGEMENT POLICY
9.1 If you believe that your copyright has been infringed, please contact us via the website contact form.
9.2 Please note that we will only accept and act on notices in the English language that comply with this Terms of Service. Any notices that do not comply with the above will be rejected, and we will not take any action in relation to such rejected notices.
9.3 Within 4 weeks of receipt of a compliant notice of infringement, we will take the actions described below:
• expeditiously take reasonable steps to remove or disable access to the allegedly infringing electronic copy; and
• after removing or disabling access to the allegedly infringing electronic copy, expeditiously take reasonable steps to notify the user who had made that content available ("Content Owner") via the contact details that the user has provided to us. In doing so, we will also provide the Content Owner with a copy of the notice of infringement.
9.4 If the Content Owner provides a counter-notice, and this counter-notice is provided to us within 4 weeks of the date that we notify the Content Owner of the removal or disabling of access to the allegedly infringing content ("Notification Date"):
• we will expeditiously take reasonable steps to restore, or to restore access to, the allegedly infringing content, if it is technically and practically feasible to do so; and
• if, before we complete the necessary steps to restore, or to restore access to, the allegedly infringing content (where it is technically and practically feasible to do so), the owner of the copyright in question commences proceedings to prevent the restoration of, or the restoration of access to, the allegedly infringing content, and we are informed of such proceedings, we will cease such steps to restore, or to restore access to, the allegedly infringing content.
9.5 If the Content Owner does not provide a counter-notice within 4 weeks of the Notification Date, we will take no further action and we will consider the case to be closed.
10. TERMINATION (IF APPLICABLE)
10.1 We may, under certain circumstances and without prior notice, at its sole discretion immediately terminate your account (if any). Cause for such termination shall include without limitation:
• breaches or violations of the Terms of Service, Policy of Acceptable Use, or other incorporated documents, guidelines or rules;
• request by law enforcement or other government agencies;
• self-initiated account deletions;
• infringement of intellectual property rights of others;
• discontinuance or material modification to the services on the Website, or part thereof;
• unexpected technical or security issues or problems; or
• extended periods of inactivity.
10.2 Termination of your account shall result in:
• removal of access to and barring of further use to all offerings of the Website that are associated with such account; and
• deletion of your password and all related information, files and content associated with or inside your account (or part thereof).
10.3 Termination of your account shall be without prejudice to any other rights or remedies we may be entitled to under the Terms of Service, at law or in equity and shall not affect any accrued rights or liabilities nor the coming into or continuance in force of any provision which is expressly or by implication intended to come into or continue in force on or after such termination.
11. INTELLECTUAL PROPERTY RIGHTS
11.1 We reserve all intellectual property rights to the Website and Website Material, including international copyright and trade mark rights. All other names, products and marks mentioned are the intellectual property rights of their respective owners. No materials provided through the Website, including text, graphics, code, ratings, rankings, databases, aggregated information, Website Material and/or software may be reproduced, modified, adapted, distributed, published, displayed, uploaded, posted, transmitted or hyperlinked in any manner and in any form without our express, prior written approval, and the approval of the respective copyright and trade mark holders. The Website and Website Material are for your personal use only, and you may not engage in any dealings with other parties regarding such services and contents. Such dealings include commercial dealings and dealings which will adversely affect the commercial value of the Website and Website Material.
12. FINANCIAL INFORMATION
12.1 You are providing electronic consent for application to be submitted to financial institutions and their affiliates for purchase and consideration as to whether you meet their credit requirements. You understand and agree that you are submitting an application for credit, and are consenting to the use of your consumer report information, anti‐fraud security checks, and evaluation of your application for credit. You understand that your application may be matched with multiple lenders, and the inquiry may be reported to relevant Agencies, any of whom may obtain consumer report information from your credit profile.
12.2 By providing your email address you consent to receive electronic information such as notices of credit decisions, monthly billing statements and collection notices. You also acknowledge that we will use all contact information that you provided to contact you regarding your application, loan offer, account status or future offers. We may utilize electronic, mobile, SMS, traditional methods or any other means available.
12.3 When making a purchase on or through our Services, you must provide accurate and complete information as required when using a credit card, other payment card or bank information, including the cardholder/account holder name, payment card number/account number, expiration date (if applicable), and if requested, card security code, at the time of submitting your order form. You represent and warrant to us that your use of a payment card or your account in connection with any purchase you make on or through our Services is authorized and legal.
12.4 You are responsible for updating your registration information, and payment service or payment card information, as applicable, and for making sure that the billing address in your registration information is consistent with the billing address for your payment service or payment card. You are also responsible for promptly notifying your payment service or payment card issuer of any changes to your billing information or of any loss, theft, or unauthorized use of your payment service account or payment card number.
12.5 The total amount to be paid by you for your order will be the sum of the prices for the products you select or those selected for you, all applicable taxes, and shipping and handling charges. Payment is due when you submit your order, and you hereby authorize us to charge such an amount to your payment card at that time.
12.6 All product listings are intended for individuals who are 21 years of age or older. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders, in its sole discretion. We provide all of its services in accordance with law and a purchase requested by you may be suspended or made impossible due to applicable federal, state, county, city and local laws in your jurisdiction. In that case, we will cancel the order until we can comply with law.
13.1 The Terms of Service shall be governed by and construed in accordance with the laws of the Republic of Singapore, and any claims or disputes of whatever nature shall be subject to the exclusive jurisdiction of the courts of the Republic of Singapore.
13.2 Our failure to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect.
13.3 Any account that you may have with us is not transferrable and any rights to such account will terminate upon your death. Upon receipt of a copy of your death certificate, your account will be terminated and all content that you have generated in your account will be permanently deleted.
13.4 All notifications to us pursuant to the Terms of Service shall be sent via our website contact form.