Terms of Use

Last Updated: November 26, 2025

Welcome to Desuklan. By accessing or using our website at budget-desuklan.com and our educational services, you agree to be bound by these Terms of Use. Please read them carefully before using our platform.

1. Acceptance of Terms

By accessing, browsing, or using the Desuklan platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our services.

2. Description of Service

Desuklan provides online educational courses, learning materials, and related services focused on budgeting and financial literacy. Our platform offers structured lessons, interactive elements, and educational content to help learners develop practical skills.

2.1 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the service.

3. User Accounts

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

3.1 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

3.2 Account Termination

We reserve the right to suspend or terminate your account at any time for any reason, including but not limited to violation of these Terms of Use, fraudulent activity, or abusive behavior toward other users or staff.

4. User Conduct

You agree to use our platform only for lawful purposes and in accordance with these Terms of Use. You agree not to:

Use the service in any way that violates any applicable law or regulation
Impersonate or attempt to impersonate Desuklan, our employees, another user, or any other person or entity
Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the platform
Use any automated system, including robots or spiders, to access the service without our express written permission
Introduce any viruses, malware, or other harmful material to the platform
Attempt to gain unauthorized access to any portion of the platform or any other systems or networks
Share course content, materials, or resources with non-enrolled individuals or outside the platform
Reproduce, duplicate, copy, sell, or exploit any portion of the service without express written permission

5. Intellectual Property Rights

The platform and its entire contents, features, and functionality, including but not limited to all information, software, text, displays, images, video, audio, course materials, and the design, selection, and arrangement thereof, are owned by Desuklan, its licensors, or other providers of such material and are protected by copyright, trademark, and other intellectual property laws.

5.1 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our platform and course materials solely for your personal, non-commercial educational purposes. This license does not include any right to resell or commercial use of the service or its contents.

5.2 Restrictions

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our platform, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
You may store files that are automatically cached by your web browser for display enhancement purposes
You may download and save course materials explicitly designated as downloadable for enrolled students

6. Payment and Refunds

Certain services and courses on our platform require payment. All fees are stated in Singapore Dollars unless otherwise specified. You agree to pay all fees and charges associated with your account according to the billing terms in effect at the time the fee or charge becomes payable.

6.1 Pricing Changes

We reserve the right to change our pricing at any time. Price changes will not affect courses you have already purchased but will apply to future purchases.

6.2 Refund Policy

Refund requests must be submitted in accordance with our refund policy as stated at the time of purchase. Generally, refunds are available within a specified period after enrollment, provided minimal course content has been accessed. Digital products and completed courses are non-refundable.

7. Content Standards

If our platform allows you to post, upload, or submit content, including comments, reviews, or forum posts, you agree that such content will not:

Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable
Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age
Infringe any patent, trademark, trade secret, copyright, or other intellectual property rights of any party
Violate the legal rights of others or contain material that could give rise to any civil or criminal liability
Promote any illegal activity or advocate, promote, or assist any unlawful act
Involve commercial activities such as contests, sweepstakes, barter, advertising, or pyramid schemes

8. User-Generated Content

By submitting content to our platform, you grant Desuklan a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media.

8.1 Content Monitoring

We have the right, but not the obligation, to monitor, edit, or remove any content that we determine in our sole discretion violates these Terms of Use or is otherwise objectionable.

9. Third-Party Links

Our platform may contain links to third-party websites or services that are not owned or controlled by Desuklan. 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 we shall not be responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services.

10. Disclaimer of Warranties

Our platform and all content, materials, and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, express or implied, including but not limited to:

Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
Warranties that the service will be uninterrupted, secure, or error-free
Warranties regarding the accuracy, reliability, or completeness of content
Warranties that defects will be corrected or that the service is free of viruses or other harmful components

The educational content provided is for informational purposes only and should not be considered professional financial advice. We do not guarantee any specific outcomes from using our courses.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Desuklan, its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses resulting from:

Your access to or use of or inability to access or use the service
Any conduct or content of any third party on the service
Any content obtained from the service
Unauthorized access, use, or alteration of your transmissions or content

In no event shall our aggregate liability exceed the amount you paid to us in the twelve months preceding the event giving rise to the liability, or one hundred Singapore Dollars, whichever is greater.

12. Indemnification

You agree to defend, indemnify, and hold harmless Desuklan, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms of Use or your use of the platform.

13. Privacy

Your use of our platform is also governed by our Privacy Policy. Please review our Privacy Policy, which explains how we collect, use, and disclose information about you.

14. Copyright Infringement

We respect the intellectual property rights of others and expect our users to do the same. If you believe that any content on our platform infringes your copyright, please contact us with the following information:

Identification of the copyrighted work claimed to have been infringed
Identification of the material that is claimed to be infringing and information sufficient to locate the material
Your contact information, including address, telephone number, and email address
A statement that you have a good faith belief that use of the material is not authorized
A statement that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner

15. Geographic Restrictions

Our platform is operated from Singapore and intended for users globally. If you access the platform from outside Singapore, you do so at your own risk and are responsible for compliance with local laws.

16. Governing Law and Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions. Any disputes arising out of or relating to these Terms of Use or the use of our platform shall be resolved through good faith negotiations between the parties.

16.1 Arbitration

If a dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.

17. Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of any material changes by posting the new Terms of Use on this page and updating the "Last Updated" date. Your continued use of the platform after any such changes constitutes your acceptance of the new Terms of Use.

17.1 Review Obligation

It is your responsibility to review these Terms of Use periodically for changes. If you do not agree to the modified terms, you must stop using our platform.

18. Severability

If any provision of these Terms of Use is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired.

19. Waiver

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

20. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published by us on the platform, constitute the entire agreement between you and Desuklan regarding your use of the platform and supersede all prior agreements and understandings.

21. Assignment

You may not assign or transfer these Terms of Use or your rights and obligations under them without our prior written consent. We may assign our rights and obligations under these Terms of Use without restriction.

22. Survival

All provisions of these Terms of Use which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

23. Contact Information

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

Desuklan
71 Lucky Heights
Singapore 467623
Email: [email protected]
Phone: +65 6365 0259

24. Acknowledgment

By using our platform, you acknowledge that you have read these Terms of Use, understand them, and agree to be bound by them. If you do not agree to these terms, you are not authorized to use our platform.