1. Agreement to Terms
These Terms of Service ("Terms") form a binding agreement between you and Rayner Teo ("we", "us", or "our") regarding your use of theraynerteo.com (the "Website").
If you do not agree with these Terms, you should not use the Website.
2. About the Website
The Website provides informational content about Rayner Teo, personal philosophy, public work, and related business ventures, including Penguin Swim School, Wings Gold Club, and Rayner & Panita.
Unless expressly stated otherwise, content on the Website is provided for general information and inspiration. It does not constitute legal, financial, investment, medical, educational, or other professional advice.
3. Eligibility and Acceptable Use
You agree to use the Website only for lawful purposes. You must not:
- Attempt to gain unauthorised access to the Website, servers, or related systems.
- Interfere with or disrupt the Website's operation, security, or performance.
- Use automated means to scrape, harvest, or extract content in a way that places unreasonable load on the Website.
- Misrepresent your affiliation with Rayner Teo or any associated venture.
- Use the Website in a manner that infringes the rights of others or violates applicable law.
4. No Financial or Trading Advice
Some Website content references financial markets, trading frameworks, or business strategy. This content is provided for educational and informational purposes only.
Nothing on the Website constitutes investment advice, a recommendation to buy or sell any financial instrument, or a guarantee of trading performance. Markets involve risk, and past examples or commentary do not predict future results. You are solely responsible for your financial decisions.
5. Intellectual Property
Unless otherwise stated, all content on the Website — including text, images, graphics, logos, layout, and branding — is owned by or licensed to Rayner Teo and is protected by applicable intellectual property laws.
You may view and share links to publicly available pages for personal, non-commercial purposes. You may not copy, reproduce, republish, distribute, modify, or create derivative works from Website content without prior written permission, except where allowed by law.
6. Third-Party Links and Services
The Website may contain links to third-party websites, social platforms, messaging services, or business properties. These links are provided for convenience only.
We do not control and are not responsible for the content, policies, security, or practices of third-party services. Your use of third-party services is governed by their own terms and policies.
7. Disclaimer of Warranties
The Website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including warranties of accuracy, completeness, fitness for a particular purpose, and non-infringement.
We do not warrant that the Website will be uninterrupted, error-free, secure, or free of harmful components.
8. Limitation of Liability
To the fullest extent permitted by law, Rayner Teo will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or business opportunities arising out of or related to your use of the Website.
To the extent liability cannot be excluded, our total liability for any claim arising out of or relating to the Website will be limited to the amount you paid, if any, to access the Website during the twelve months preceding the claim. Because the Website is provided free of charge, this amount will typically be zero.
9. Indemnity
You agree to indemnify and hold harmless Rayner Teo from claims, losses, liabilities, damages, and expenses arising out of your misuse of the Website or breach of these Terms, to the extent permitted by law.
10. Privacy
Your use of the Website is also governed by our Privacy Policy and Cookie Policy.
11. Changes to These Terms
We may update these Terms from time to time. The revised version will be posted on this page with an updated "Last updated" date. Continued use of the Website after changes become effective constitutes acceptance of the revised Terms, where permitted by law.
12. Governing Law
These Terms are governed by the laws of Singapore, without regard to conflict-of-law principles. Subject to applicable law, the courts of Singapore will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Website.
13. Contact
Questions about these Terms can be sent to hello@theraynerteo.com.