General Terms and Conditions for Membership

TERMS AND CONDITIONS FOR THE FIRE RETIREMENT MEMBERSHIP PROGRAM (the “FIRE Membership Program”)

These general terms and conditions (“Membership Agreement”) will apply between FIRE Retirement Pte. Ltd., a company incorporated in Singapore (“FRPL”, “we”, “us”, “our”), and you (“Member”, “you”, “your”) as of the date you click the “I agree with the terms and conditions” button, or other equivalent buttons, indicating your acceptance of this Membership Agreement. You represent and warrant that you have read and understood this Membership Agreement, and you agree to this Membership Agreement.

This Membership Agreement governs the relationship between FRPL and you in relation to your participation in the FIRE Membership Program (“Membership”). FRPL reserves the right to update, change or replace any part of this Membership Agreement by posting updates and/or changes to this Membership Agreement. Your continued participation in the Membership following the posting of any changes constitutes acceptance of those changes.

This Membership Agreement applies in addition to, and do not derogate from, any other terms or conditions that expressly apply to a specific product or service accessed, supplied or provided by FRPL.

OVERVIEW OF THE FIRE MEMBERSHIP PROGRAM

1.1 The FIRE Membership Program is a membership program which provides members with access to a plethora of benefits, including access to live courses and webinars, exclusive member-only content, group coaching sessions, FIRE Membership Telegram group and access to VIP discounts on additional services and partner products.

1.2 There are 2 tiers of membership for the FIRE Membership Program as follows:

(a) Navigator

(b) Conqueror

1.3 Members for each membership tier shall entitle such Member to access the respective benefits as detailed here (the “Membership Services”).

FEES, PAYMENT AND RENEWAL

2.1 Each Member agrees to pay the annual fees applicable for his/her membership tier. Payment of the annual Membership fee must be made in full upon activation of the Membership. Payment shall be made in Singapore Dollars. FRPL reserves the right to delay the Membership start date until the annual Membership fees are received by FRPL in full and cleared funds.

2.2 The Membership will be automatically renewed annually upon expiry for successive 1-year terms unless at least 30 days prior written notice of termination is received by FRPL before the end of a membership term. You authorize FRPL to debit your credit card for each such annual renewal.

PERMITTED USE AND RESTRICTIONS

3.1 The Member warrants and represents that:

(a) he/she will not download, store, reproduce, transmit, display, copy, distribute, commercially exploit or use any information or materials provided under this Membership Agreement (“Materials”) except as expressly permitted in this Membership Agreement;

(b) he/she will not use, modify or alter the Materials for any external or commercial purpose whatsoever;

(c) he/she will not resell, sub-license, rent, lease, transfer or attempt to assign any rights under this Membership Agreement and/or the Materials (in whole or in part) to any other person; and

(d) he/she will not allow any person to use or gain access to the Membership benefits or the Materials except as expressly permitted in this Membership Agreement.

USE OF PERSONAL DATA AND MARKETING CONSENT

4.1 You warrant that all Personal Data submitted to us is complete, accurate, true and correct. Failure to ensure that such data provided to us is complete, accurate, true and correct may result in an inability on our part to provide you with the requested products or services.

4.2 By signing up for the Membership, you agree that FRPL, its employees, officers, and other representatives and third-party service providers (together, “Representatives”) may collect, use, disclose, store, retain and/or process all personal data, documents and information (together, “Personal Data”) that had/has been provided to FRPL and/or that its Representatives and/or which FRPL possesses about you from other sources as FRPL may deem appropriate from time to time for the purposes of:

(a) conducting and completing transactions, processing and managing purchases and your relationship with us;

(b) carrying out your instructions or responding to your service inquiries, posting your comments or statements on the Community or other online forums, or taking other actions in response to your inquiries or other activities;

(d) storing, hosting, and backing up (whether for disaster recovery or otherwise) of the Personal Data whether within or outside Singapore;

(e) complying with applicable legal and regulatory obligations in managing your relationship with FRPL;

(f) for internal operations, including troubleshooting, data analysis, testing, research and service improvement;

(g) carrying out research, survey and statistical analysis;

(h) employee training and quality assurance programme;

(i) conducting customer, marketing-related or other similar research and analysis and to provide marketing and promotional information relating to our existing or future products and/or services and to create personalized promotions by combining your Personal Data with non-personal information (“Marketing Purposes”).

4.3 You consent to us contacting you for Marketing Purposes by electronic transmission to or through my email address and/or any social media accounts, and phone or voice call and/or SMS, Whatsapp, Telegram and other similar means of communication to the telephone or mobile phone number provided by you.

4.4 In the course of providing you with our products and services, your Personal Data may be disclosed to the following third parties for the purposes listed above (which are non-exhaustive):

(a) agents, contractors or third-party service providers who have been engaged by us to provide services such as data processing, analytics, customer engagement or market research, cloud hosting or IT services;

(b) our related companies, affiliates and/or subsidiaries within and/or outside Singapore;

(d) payment service providers, banks, credit card companies and their respective service providers;

(e) professional advisors engaged by us such as lawyers and auditors;

(f) relevant government authorities or law enforcement agencies; and

(g) any party to whom you authorise us to disclose your Personal Data.

4.5 Because we use different data processors and change them from time to time, it is not appropriate to identify specific recipients of personal information. Your Personal Data may be transferred, stored and/or processed in a country or territory outside Singapore. We will take appropriate steps to ensure that any party in a country or territory outside Singapore to whom we transfer Personal Data is bound by legally enforceable obligations or specified certifications to provide to the transferred Personal Data a standard of protection which is at least comparable to the protection under the Personal Data Protection Act 2012 of Singapore (“PDPA”).

4.6 We have appointed a Data Protection Officer who will oversee and ensure the management of Personal Data in accordance with the PDPA. The contact details of our Data Protection Officer are listed below.

The Data Protection Officer (ivan@fireretirement.com)

4.7 For the avoidance of doubt, if we have reasonable grounds to believe that you are in breach of any of this Membership Agreement, we reserve the right, in our sole and absolute discretion, to cooperate fully with governmental authorities, private investigators, all the rightful owner(s) or interest holder(s) and/or injured third parties in the investigation of any potential or ongoing criminal or civil wrongdoing. Further, we may disclose your identity and contact information, or such other transaction-related data, if requested by a government or law enforcement body, private investigator, rightful owner or interest holder and/or any injured third party or as a result of a subpoena or other legal action, or if we are of the view, in our sole and absolute discretion, that it would be in our best interest to do so. We shall not be liable for damages or results arising from such disclosure, and you agree not to bring any action or claim against us for such disclosure.

4.8 In addition, we may monitor and record your calls, emails, text messages or other communications in accordance with applicable laws, and in particular for our business purposes, such as for quality control and training, to prevent unauthorized use of our telecommunication systems, and to ensure effective systems operation, and in order to prevent or detect crime.

EXCLUSION AND LIMITATION OF LIABILITY

5.1 To the maximum extent permitted by law, FRPL expressly disclaims all warranties of any kind with respect to the Membership, associated benefits or Materials, whether express or implied or statutory including but not limited to any warranty of quality, or suitability for a particular purpose. In particular, FRPL does not warrant that access to the Membership will be uninterrupted or error-free.

5.2 Under no circumstances will FRPL be liable to you for (i) any loss of business, profits or revenue, (ii) consequential, indirect, special, punitive or incidental damages, in each case, whether foreseeable or unforeseeable, arising out of or incidental to FRPL’s provision or non-provision of the Membership, associated benefits or materials, breach or failure of express or implied warranty, breach of contract, misrepresentation, negligence, strict liability in tort or arising under any other legal theory whatsoever.

5.3 Notwithstanding any other provision herein, our aggregate liability to you in connection with your Membership shall not exceed the total Membership fees actually received by us.

5.4 Nothing in this Membership Agreement shall exclude or limit our liability for death or personal injury arising from our negligence, fraudulent misrepresentation, and misrepresentation as to a fundamental matter or any other liability which cannot be excluded or limited under applicable law.

INTELLECTUAL PROPERTY RIGHTS

6.1 We and/or our licensors are the exclusive owner(s) of all rights, title, and interest in and to all intellectual property with respect to the Membership, the Materials and its contents. You are not permitted to publish, manipulate, distribute or otherwise reproduce, in any format, any of the content or copies of the content supplied to you. You shall not, and shall not attempt to, obtain any title to any such intellectual property rights. You may not otherwise reproduce, modify, copy or distribute, exploit, or sub-license any of the materials or content listed above without our permission. Nothing in these conditions shall be understood as conferring any rights of use in relation to any trademarks associated with FRPL or the Membership.

TERMINATION AND REFUND POLICY

7.1 FRPL reserves the right at any time to terminate or suspend your Membership/this Membership Agreement and to withdraw all Membership benefits in its sole discretion, including without limitation, if the Member fails to pay its annual fees on time, FRPL is of the view that the Member engages in any conduct prejudicial to the purposes and interests of FRPL, is or is likely to be a competitor of FRPL, or violates any term of this Membership Agreement.

7.2 You may terminate your Membership at any time upon giving at least 30 days prior written notice of termination to FRPL.

7.3 In case of a termination of your Membership/Membership Agreement, any Membership fees paid for the remaining term of the Membership shall be refunded in full. In case of a suspension of your Membership/this Membership Agreement, no Membership fees will apply for the period of suspension.

MISCELLANEOUS

8.1 You may not assign or delegate or otherwise deal with all or any of your rights or obligations under this Membership Agreement. We shall have the right to assign or otherwise delegate all or any of our rights or obligations under this Membership Agreement to any person without having to seek your permission.

8.2 No failure on the part of any Party hereto to exercise, and no delay on the part of any Party hereto in exercising, any right or remedy under this Membership Agreement will operate as a waiver thereof, nor will any single or partial exercise of any right or remedy preclude any other or further exercise thereof of any other right or remedy. The rights and remedies provided in this Membership Agreement are cumulative and not exclusive of any other rights or remedies provided by law or otherwise.

8.3 This Membership Agreement (together with any documents referred to herein or executed contemporaneously by the Parties in connection herewith) embodies all the terms and conditions agreed upon between the Parties as to the subject matter of this Membership Agreement and supersedes and cancels in all respects all previous agreements and undertakings, if any, between the Parties with respect to the subject matter hereof, whether such be written or oral.

8.4 If any provision of this Membership Agreement is held to be illegal, invalid or unenforceable in whole or in part in any jurisdiction, this Membership Agreement shall, as to such jurisdiction, continue to be valid as to its other provisions and the remainder of the affected provision, and the legality, validity and enforceability of such provision in any other jurisdiction shall be unaffected.

8.5 This Membership Agreement may be executed in any number of counterparts or duplicates each of which shall be an original but such counterparts or duplicates shall together constitute one and the same agreement. Any Party may enter into this Membership Agreement by signing any such counterpart. Each counterpart may be signed and executed by the Parties and transmitted by electronic methods such as email and shall be as valid and effectual as if executed as an original.

8.6 Nothing in this Membership Agreement is intended to grant to any third party any right to enforce any of this Membership Agreement or to confer on any third party any benefits under this Membership Agreement for the purposes of the Contract (Rights of Third Parties) Act 2001 of Singapore and any re-enactment thereof, the application of which legislation is hereby expressly excluded.

8.7 This Membership Agreement shall be governed by and construed in accordance with the laws of Singapore.