Terms of Service

1. Who these terms are between

"We", "us" and "Vinsights.Club" mean [Vinsights.Club — registered name and UEN to be inserted], a business established in the Republic of Singapore. "You" means the person who holds the account.

This is a contract between you and us and nobody else. The Contracts (Rights of Third Parties) Act 2001 does not apply to it, so no person outside it may enforce any part of it.

2. You must be 18 or over

You must be at least 18 years old to hold an account.

Under Singapore law a contract with a person under 18 is generally not enforceable against that person, and this product is built for mid-career professionals. If you are under 18, do not open an account. If we learn that an account holder is under 18 we will close it and refund any unspent credits.

We do not knowingly collect anything from a person under 18. If you believe we hold data about someone under 18, write to the address in clause 16 and we will delete it.

3. What you are buying

Vinsights.Club generates career strategy from what you give it: your stated objectives, your CV, a job posting, a journal entry about a situation at work. You buy credits, and each action spends a set number of them.

You are buying the generation of that work, not a particular result from it.

Files you download and keep — the StrataGEM Digital Planner, and any other PDF, template or worksheet — are covered by digital products: licence and refunds. That page adds the licence and the refund rule for a downloaded file; everything in these terms still applies to it, including clause 12.

4. This is not advice, and no outcome is promised

What the product produces is generated by a language model and is for you to judge and act on as you see fit.

It is not legal, financial, employment, tax or immigration advice, and it is not a substitute for a professional who knows your situation. We do not promise you an interview, an offer, a promotion, a salary or any other outcome, and nothing in the product or the marketing around it should be read as promising one.

Generated output can be wrong. It can misread a posting, overstate a match, or state something about an organisation that is out of date. Check anything you intend to rely on before you send it to somebody.

5. Credits, and how you pay

Credits are bought in packs and do not expire. They are a balance you draw down, not an allowance that resets. They are not transferable between accounts and not exchangeable for cash.

Different actions cost different numbers of credits, and the cost of each is shown before you run it. We may change what an action costs; a change applies to actions run after it, never retroactively to credits you have already spent.

How payment is taken. Card payments for digital products are taken by Fungies Inc., which acts as merchant of record for those sales. That means Fungies, not us, is the seller on your receipt, and Fungies collects and remits any sales tax or VAT due in your country.

Fungies alone receives, handles and stores your card details. They do not pass through this site and we never see them. What reaches us is that a payment succeeded, the amount, and the email address you gave Fungies.

Your purchase is therefore also subject to Fungies' buyer terms, which are incorporated into this contract by reference for payments made through it. We are not liable for a failure of the payment service itself — an outage, a declined card, or a delay in settlement — though clause 6 of digital products still applies if you are charged and receive nothing.

Credits are arranged directly with us and invoiced separately. No card payment is taken for them.

6. When something fails

If a generation fails, or comes back missing the parts it was supposed to produce, the credits are returned to your balance. That is automatic where the product can tell; if it misses one, write to us and we will put it right.

Output you simply disagree with is not a failure and is not refunded. The product is meant to give you a reading you can argue with.

7. Limits on use

One generation runs at a time per account, and there is a ceiling on how much an account can consume in a day. Both exist to keep the service usable and its costs predictable. Both are ordinary use limits rather than penalties — if you reach one, the product says so and tells you when it lifts.

Please do not share your account, resell access, run the service automatically at volume, or attempt to extract the prompts behind the product. We may suspend an account doing any of these.

8. What you put in, and what comes out

What you write stays yours. You keep whatever rights you have in it, and we claim no ownership of it or of what the product generates from it. We store it only in order to give you the product — see what is actually stored.

Two things you are responsible for:

- that you are entitled to give us what you paste in — a CV that is yours, a posting that is public; and - that anything you save about another person, such as a contact in the Mentors tab, is information you are allowed to hold and act on.

The product does not produce email addresses or telephone numbers for anyone. If one is stored, you put it there.

9. Employer challenges

Where you answer an employer challenge, you are choosing to send your answer and your name and email address to that employer. We read it first and pass it on; we do not send anything automatically. We are not the employer's agent, we do not control what the employer does with your answer, and we promise you no reply.

10. Availability

This is a small product. It depends on services we do not control, and it will sometimes be slow, briefly unavailable, or interrupted for changes. We do not offer an uptime guarantee. Your credits are not consumed by an outage.

We are not responsible for a failure caused by something outside our reasonable control, including an act of government, industrial action, a failure of a network or hosting provider, or a failure of an upstream service the product depends on.

11. Ending it

You can stop at any time, download everything you hold, and have your account erased by emailing [email protected].

There is no self-serve delete control, and that is deliberate — see clause 9 of the privacy policy for why. Handling erasure by request does not reduce the right.

Erasure is scheduled rather than instant, so that an impulse at 2am does not destroy credits you paid for. Signing in again during that window cancels it.

We may close an account that breaches these terms. If we close one for any other reason, unspent credits are refunded.

12. Liability

To the fullest extent the law allows, our total liability to you for all claims is limited to the amount you have paid us in the six months before the claim arose.

We are not liable for indirect or consequential loss, for loss of profit, earnings or opportunity, or for the outcome of decisions you make about your career — including decisions informed by what this product generated.

Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited. In particular, nothing here affects:

- liability for death or personal injury caused by negligence; - liability for fraud or fraudulent misrepresentation; or - any right you have as a consumer under the Consumer Protection (Fair Trading) Act 2003 or the Unfair Contract Terms Act 1977 that cannot be contracted out of.

Where any provision of these terms would be unenforceable against a consumer under either of those Acts, it applies only to the extent that it is reasonable and enforceable, and the rest of these terms continue in force.

13. Indemnity

You will indemnify us against any claim brought by a third party arising from your breach of clause 7 or clause 8 — in substance, from your misuse of the service or from your having given us material you were not entitled to give us. This indemnity does not extend to anything caused by our own breach of these terms or our own negligence.

14. Changes to these terms

If these terms change materially, the reference at the top changes with them and we will tell you before the new version applies to your account. The version you agreed to when you signed up is recorded against your account, so what you agreed to remains answerable later.

15. Governing law and disputes

These terms are governed by the laws of the Republic of Singapore, and the courts of Singapore have exclusive jurisdiction over any dispute.

Before starting proceedings, please write to us. Most things are settled that way and it costs neither of us anything.

These terms, together with the documents they link to, are the whole of what is agreed between us on this subject. If any provision is found unenforceable, the rest continues in force. A delay by us in enforcing a term is not a waiver of it. You may not transfer your account or your rights under these terms without our consent; we may transfer ours to a successor of the business, on notice to you.

16. Contact

[email protected]