Terms of Use

A. Acceptance of Terms

By accessing or using the website silentkey.digital (the "Site"), you confirm that you have read, understood, and agree to be bound by these Terms of Use. These Terms apply to all visitors, regardless of the purpose of their visit.

If you do not agree with any part of these Terms, please discontinue your use of the Site immediately. Accessing any page of this Site following the posting of updated Terms constitutes your acceptance of those updates.

These Terms should be read alongside our Privacy Policy and Cookie Policy, which form part of the agreement between you and Silent Key regarding use of this Site.

B. Nature of Content

All content published on this Site is provided for general educational and informational purposes only. Silent Key is a financial literacy education provider. We are not a financial institution, investment adviser, stockbroker, insurance agent, or any other regulated financial services provider under Philippine law.

Nothing on this Site constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. No content on this Site should be interpreted as a recommendation to purchase, sell, hold, or otherwise act with respect to any financial product, security, currency, or asset. You should not make financial decisions based solely on information found on this Site.

We strongly encourage you to consult a qualified and licensed financial professional before making significant financial decisions. The concepts and frameworks discussed in our seminars and on this Site are intended to improve general financial literacy, not to serve as personalized guidance.

C. Permitted Use

You are permitted to access and use this Site for personal, non-commercial, informational purposes. You may print or download content for your own personal reference, provided you do not remove any copyright or attribution notices.

You may not use this Site or its content to:

Reproduce, distribute, or publicly display substantial portions of the content without prior written permission from Silent Key. Modify or create derivative works from the content. Use the content for commercial purposes. Engage in any conduct that disrupts or interferes with the operation of the Site. Attempt to gain unauthorized access to any part of the Site or its underlying systems. Transmit any harmful, fraudulent, misleading, or unlawful material.

Silent Key reserves the right to restrict or terminate access to the Site for any user who violates these Terms, without prior notice.

D. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, icons, images, and the overall site design, is the intellectual property of Silent Key or its content contributors, and is protected under applicable Philippine intellectual property laws, including Republic Act No. 8293, the Intellectual Property Code of the Philippines.

The Silent Key name, logo, and associated marks may not be used in connection with any product, service, or content that is not affiliated with Silent Key, or in any manner likely to cause confusion, or in any manner that disparages or discredits Silent Key.

Requests for permission to reproduce or use content from this Site should be directed to info@silentkey.digital.

E. Disclaimers

This Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. Silent Key does not warrant that the Site will be uninterrupted, error-free, or free from viruses or other harmful components.

While we make reasonable efforts to ensure that the information published on this Site is accurate and current, we make no representations or warranties regarding the completeness, accuracy, reliability, or suitability of any information. Financial concepts, regulations, and practices change over time, and some content may not reflect the most current developments.

Silent Key does not endorse or recommend any specific bank, financial institution, e-wallet provider, investment product, insurance product, or lending service. Any mention of platforms or products is for illustrative educational purposes only.

F. Limitation of Liability

To the fullest extent permitted by applicable law, Silent Key, its officers, staff, and agents shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use this Site, or from any information obtained through this Site.

This includes, without limitation, damages for loss of data, loss of income, financial loss, or any other form of loss, even if Silent Key has been advised of the possibility of such damages. Because some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, the above limitations may not apply to you in full.

Nothing in these Terms limits or excludes liability for fraud, death, or personal injury caused by negligence, or any other liability that cannot be limited or excluded under Philippine law.

G. Seminar Participation

Participation in Silent Key seminars is voluntary. Seminar content is provided for educational purposes only and does not constitute financial advice or a client relationship of any kind.

Participants are responsible for their own financial decisions before, during, and after attending a seminar. Silent Key accepts no responsibility for financial outcomes resulting from decisions made by seminar participants, regardless of whether those decisions were influenced by seminar content.

Seminars may be recorded for internal purposes. Participants will be informed of any recording in advance. Recordings are not shared publicly without consent.

Silent Key reserves the right to decline registration or attendance at any seminar session at its discretion, without obligation to provide a reason.

H. External Links

This Site may include links to external websites for reference. These links are provided as a convenience and do not constitute an endorsement of those websites or their content. Silent Key has no control over external sites and accepts no responsibility for their content, privacy practices, or availability.

You access external linked websites at your own risk. We recommend reviewing the terms and privacy policies of any external site before interacting with it.

I. Changes to These Terms

Silent Key may revise these Terms of Use at any time. Changes take effect immediately upon being posted to this page. The "Last Updated" date at the top of this document reflects when the most recent revision was made.

We encourage you to review these Terms periodically. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. If you disagree with any change, you should discontinue use of the Site.

J. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising out of or relating to these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the appropriate courts located in Makati City, Metro Manila, Philippines.

K. Contact

Questions or concerns regarding these Terms of Use may be directed to:

Silent Key
2nd Floor, PhilFirst Building
6764 Ayala Avenue, Makati City
1229 Metro Manila, Philippines
Email: info@silentkey.digital
Phone: +63 2 8802 7333