Terms of Use

Last updated: May 31, 2025

Welcome to Naskelur. By accessing or using our website at naskelur.com and any related services, you agree to be bound by these Terms of Use. Please read these terms carefully before using our platform.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily access the materials on Naskelur's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• modify or copy the materials
• use the materials for any commercial purpose or for any public display
• attempt to reverse engineer any software contained on Naskelur's website
• remove any copyright or other proprietary notations from the materials
• transfer the materials to another person or mirror the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Naskelur at any time.

3. User Accounts

3.1 Account Creation

To access certain features of our services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for safeguarding the password that you use to access the service and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

3.3 Account Termination

We reserve the right to suspend or terminate your account if any information provided during the registration process or thereafter proves to be inaccurate, not current, or incomplete, or if you violate these Terms of Use.

4. Services and Content

4.1 Educational Services

Naskelur provides online educational services including seminars, courses, and educational materials related to working capital analysis and related topics. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

4.2 Enrollment and Access

Enrollment in our seminars and courses grants you a limited, non-exclusive, non-transferable license to access and view the content for which you have paid all required fees. Access to specific content may be time-limited as specified at the time of enrollment.

4.3 Content Ownership

All content provided through our services, including but not limited to text, graphics, logos, images, audio clips, video clips, and software, is the property of Naskelur or its content suppliers and is protected by intellectual property laws.

5. User Conduct

You agree not to use our services to:

• upload, post, or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
• impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity
• upload, post, or transmit any content that you do not have a right to transmit under any law or contractual relationship
• upload, post, or transmit any material that contains software viruses or any other computer code designed to interrupt, destroy, or limit the functionality of any computer software or hardware
• interfere with or disrupt the services or servers or networks connected to the services
• violate any applicable local, state, national, or international law
• harvest or collect email addresses or other contact information of other users

6. Intellectual Property Rights

6.1 Our Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of Naskelur. The service is protected by copyright, trademark, and other laws. Our trademarks may not be used in connection with any product or service without our prior written consent.

6.2 User Content

You retain all rights to any content you submit, post, or display on or through the service. By submitting, posting, or displaying content, you grant us a worldwide, non-exclusive, royalty-free license to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such content in any and all media or distribution methods.

7. Payment and Fees

7.1 Fees

Certain aspects of our services may be provided for a fee. You agree to pay all fees and charges associated with your account at the rates in effect when the charges were incurred. We reserve the right to change our fees at any time upon reasonable notice.

7.2 Refund Policy

Refund requests are evaluated on a case-by-case basis. Generally, fees paid for access to educational content are non-refundable once access has been granted, unless otherwise specified for a particular service or required by applicable law.

7.3 Payment Processing

Payment processing services may be provided by third-party payment processors. By using our services, you agree to be bound by the terms and conditions of such third-party payment processors.

8. Privacy

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the site and informs users of our data collection practices.

9. Links to Third-Party Websites

Our service may contain links to third-party websites or services that are not owned or controlled by Naskelur. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Naskelur shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.

10. Disclaimer of Warranties

The materials on Naskelur's website are provided on an as-is basis. Naskelur makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Furthermore, Naskelur does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

11. Limitation of Liability

In no event shall Naskelur or its suppliers be liable for any damages including, without limitation, damages for loss of data or profit, or due to business interruption arising out of the use or inability to use the materials on Naskelur's website, even if Naskelur or an authorized representative has been notified orally or in writing of the possibility of such damage.

Some jurisdictions do not allow limitations on implied warranties or limitations of liability for consequential or incidental damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

12. Indemnification

You agree to defend, indemnify, and hold harmless Naskelur, its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses including but not limited to attorney's fees, arising from your use of and access to the service, your violation of any term of these Terms of Use, or your violation of any third-party right, including without limitation any copyright, property, or privacy right.

13. Modifications to Service

We reserve the right to modify or discontinue, temporarily or permanently, the service or any features or portions thereof without prior notice. You agree that we will not be liable for any modification, suspension, or discontinuance of the service.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms of Use at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the service.

15. Termination

We may terminate or suspend access to our service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Use.

All provisions of the Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

16. Governing Law

These Terms of Use shall be governed and construed in accordance with applicable laws, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms of Use will not be considered a waiver of those rights.

17. Severability

If any provision of these Terms of Use is held to be invalid or unenforceable by a court, the remaining provisions of these Terms of Use will remain in effect. These Terms of Use constitute the entire agreement between us regarding our service and supersede and replace any prior agreements we might have between us regarding the service.

18. Age Restrictions

Our services are intended for users who are at least 18 years of age. By using our services, you represent and warrant that you are at least 18 years old. If you are under 18 years of age, you may use our services only with the involvement of a parent or guardian.

19. Feedback and Suggestions

Any feedback, comments, ideas, improvements, or suggestions provided by you to Naskelur shall remain the sole and exclusive property of Naskelur. We shall be free to use, copy, modify, publish, or redistribute such feedback for any purpose and in any way without any credit or compensation to you.

20. Contact Information

If you have any questions about these Terms of Use, please contact us:

Naskelur
180 Joo Chiat Rd
Singapore 427451

Phone: +6563390269
Email: [email protected]
Website: naskelur.com

21. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published by us on the services, constitute the entire agreement between you and Naskelur concerning the services. If any provision of these Terms of Use is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect.

22. Waiver

No waiver of any term of these Terms of Use shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

Thank you for taking the time to read our Terms of Use. By using Naskelur's services, you acknowledge that you have read, understood, and agree to be bound by these terms.