Terms of Use

(IMPORTANT NOTICE — PLEASE READ)

THIS WEBSITE REQUIRES CONSIDERATION FOR AND AS A CONDITION OF ALLOWING YOU ACCESS. READING AND ACCEPTING THE TERMS OF USE AND READING AND ACCEPTING THE PROVISIONS OF THE PRIVACY POLICY OF THIS WEBSITE ARE REQUIRED CONSIDERATIONS FOR THE WEBSITE GRANTING YOU THE RIGHT TO VISIT‚ READ OR INTERACT WITH IT. ALL PERSONS ARE DENIED ACCESS TO THIS SITE UNLESS THEY READ AND ACCEPT THE TERMS OF USE AND THE PRIVACY POLICY. BY VIEWING‚ VISITING‚ USING‚ OR INTERACTING WITH THIS WEBSITE OR WITH ANY BANNER‚ POP–UP‚ OR ADVERTISING THAT APPEARS ON IT‚ YOU ARE AGREEING TO ALL THE PROVISIONS OF THIS TERMS OF USE POLICY AND THE PRIVACY POLICY OF THIS WEBSITE. THIS WEBSITE RESERVES THE RIGHT TO DENY ACCESS TO ANY PERSON OR VIEWER FOR ANY REASON. UNDER THE TERMS OF THE PRIVACY POLICY‚ WHICH YOU ACCEPT AS A CONDITION FOR VIEWING‚ THE WEBSITE IS ALLOWED TO COLLECT AND STORE DATA AND INFORMATION FOR THE PURPOSE OF EXCLUSION AND FOR MANY OTHER USES. THE TERMS OF USE AGREEMENT MAY CHANGE FROM TIME TO TIME. VISITORS HAVE AN AFFIRMATIVE DUTY‚ AS PART OF THE CONSIDERATION FOR PERMISSION TO VIEW THIS WEBSITE‚ TO KEEP THEMSELVES INFORMED OF CHANGES.

PARTIES TO THE TERMS OF USE AGREEMENT

VISITORS‚ VIEWERS‚ USERS‚ SUBSCRIBERS‚ MEMBERS‚ AFFILIATES‚ OR CUSTOMERS‚ COLLECTIVELY REFERRED TO HEREIN AS “VISITORS‚” ARE PARTIES TO THIS AGREEMENT. THE WEBSITE AND ITS OWNERS AND/OR OPERATORS ARE PARTIES TO THIS AGREEMENT‚ HEREIN REFERRED TO AS “WEBSITE.”

USE OF INFORMATION FROM THIS WEBSITE

UNLESS YOU HAVE ENTERED INTO AN EXPRESS WRITTEN CONTRACT WITH THIS WEBSITE TO THE CONTRARY‚ VISITORS‚ VIEWERS‚ SUBSCRIBERS‚ MEMBERS‚ AFFILIATES‚ OR CUSTOMERS HAVE NO RIGHT TO USE THIS INFORMATION IN A COMMERCIAL OR PUBLIC SETTING; THEY HAVE NO RIGHT TO BROADCAST IT‚ COPY IT‚ SAVE IT‚ PRINT IT‚ SELL IT‚ OR PUBLISH ANY PORTIONS OF THE CONTENT OF THIS WEBSITE. BY VIEWING THE CONTENTS OF THIS WEBSITE YOU AGREE THIS CONDITION OF VIEWING AND YOU ACKNOWLEDGE THAT ANY UNAUTHORIZED USE IS UNLAWFUL AND MAY SUBJECT YOU TO CIVIL OR CRIMINAL PENALTIES. AGAIN‚ VISITOR HAS NO RIGHTS WHATSOEVER TO USE THE CONTENT OF‚ OR PORTIONS THEREOF‚ INCLUDING ITS DATABASES‚ INVISIBLE PAGES‚ LINKED PAGES‚ UNDERLYING CODE‚ OR OTHER INTELLECTUAL PROPERTY THE SITE MAY CONTAIN‚ FOR ANY REASON FOR ANY USE WHATSOEVER. NOTHING. VISITOR AGREES TO LIQUIDATED DAMAGES IN THE AMOUNT OF U.S.$100‚000 IN ADDITION TO COSTS AND ACTUAL DAMAGES FOR BREACH OF THIS PROVISION. VISITOR WARRANTS THAT HE OR SHE UNDERSTANDS THAT ACCEPTING THIS PROVISION IS A CONDITION OF VIEWING AND THAT VIEWING CONSTITUTES ACCEPTANCE. OWNERSHIP OF WEBSITE OR RIGHT TO USE‚ SELL‚ PUBLISH CONTENTS OF THIS WEBSITE THE WEBSITE AND ITS CONTENTS ARE OWNED OR LICENSED BY THE WEBSITE. MATERIAL CONTAINED ON THE WEBSITE MUST BE PRESUMED TO BE PROPRIETARY AND COPYRIGHTED. VISITORS HAVE NO RIGHTS WHATSOEVER IN THE SITE CONTENT. USE OF WEBSITE CONTENT FOR ANY REASON IS UNLAWFUL UNLESS IT IS DONE WITH EXPRESS CONTRACT OR PERMISSION OF THE WEBSITE. HYPERLINKING TO SITE‚ CO–BRANDING‚ “FRAMING” AND REFERENCING SITE PROHIBITED UNLESS EXPRESSLY AUTHORIZED BY WEBSITE‚ NO ONE MAY HYPERLINK THIS SITE‚ OR PORTIONS THEREOF‚ (INCLUDING‚ BUT NOT LIMITED TO‚ LOGOTYPES‚ TRADEMARKS‚ BRANDING OR COPYRIGHTED MATERIAL) TO THEIRS FOR ANY REASON. FURTHER‚ YOU ARE NOT ALLOWED TO REFERENCE THE URL OF THIS WEBSITE IN ANY COMMERCIAL OR NON–COMMERCIAL MEDIA WITHOUT EXPRESS PERMISSION‚ NOR ARE YOU ALLOWED TO ‘FRAME’ THE SITE. YOU SPECIFICALLY AGREE TO COOPERATE WITH THE WEBSITE TO REMOVE OR DE–ACTIVATE ANY SUCH ACTIVITIES AND BE LIABLE FOR ALL DAMAGES. YOU HEREBY AGREE TO LIQUIDATED DAMAGES OF US$100‚000.00 PLUS COSTS AND ACTUAL DAMAGES FOR VIOLATING THIS PROVISION.

DISCLAIMER FOR CONTENTS OF SITE

THE WEBSITE DISCLAIMS ANY RESPONSIBILITY FOR THE ACCURACY OF THE CONTENT OF THIS WEBSITE. VISITORS ASSUME ALL RISK OF VIEWING‚ READING‚ USING‚ OR RELYING UPON THIS INFORMATION. UNLESS YOU HAVE OTHERWISE FORMED AN EXPRESS CONTRACT TO THE CONTRARY WITH THE WEBSITE‚ YOU HAVE NO RIGHT TO RELY ON ANY INFORMATION CONTAINED HEREIN AS ACCURATE. THE WEBSITE MAKES NO SUCH WARRANTY. ALL CONTENTS FROM THIS WEBSITE ARE GIVEN IN GOOD FAITH. THEY ARE NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE. ACCORDINGLY, READERS SHOULD NOT RELY ON THESE CONTENTS ALONE BUT SHALL ALSO SEEK PROFESSIONAL ADVICE AS NECESSARY. THIS WEBSITE SHALL HAVE NO LIABILITY FOR CLAIMS BY, OR DAMAGES OF ANY KIND WHATSOEVER TO, A USER OF THIS WEBSITE OR ANY OTHER PERSON FOR A DECISION OR ACTION TAKEN IN RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. SUCH DAMAGES INCLUDE, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES. YOUR USE OF THIS WEB SITE CONSTITUTES YOUR AGREEMENT TO THE PROVISIONS OF THE DISCLAIMER.

THIS WEBSITE ALSO PROVIDES USERS WITH QUOTATIONS OBTAINED FROM VARIOUS INSURERS IN SINGAPORE AND THESE QUOTATIONS PROVIDED SHALL BY NO MEANS BE RELIED ON AS ACCURATE IN ANY PERIOD OF TIME. USERS BE ADVISED THAT HUMAN ERRORS DO OCCUR AND THIS WEBSITE NOR ANY PERSONNEL SHALL NOT BE LIABLE FOR ANY INACCURACIES IN QUOTES. ALSO, USERS MUST PROVIDE ACCURATE INFORMATION TO THIS WEBSITE FOR QUOTATIONS TO BE ACCURATE. ANY AND ALL LOSS RESULTING FROM INTENTIONAL WITHOLDING OF INFORMATION OR PROVISION OF FALSE INFORMATION SHALL BE BORNED BY THE USER.

DISCLAIMER FOR HARM CAUSED TO YOUR COMPUTER OR SOFTWARE FROM INTERACTING WITH THIS WEBSITE OR ITS CONTENTS — VISITOR ASSUMES ALL RISK OF VIRUSES‚ WORMS‚ OR OTHER CORRUPTING FACTORS

THE WEBSITE ASSUMES NO RESPONSIBILITY FOR DAMAGE TO COMPUTERS OR SOFTWARE OF THE VISITOR OR ANY PERSON THE VISITOR SUBSEQUENTLY COMMUNICATES WITH FROM CORRUPTING CODE OR DATA THAT IS INADVERTENTLY PASSED TO THE VISITOR’S COMPUTER. AGAIN‚ VISITOR VIEWS AND INTERACTS WITH THIS SITE‚ OR BANNERS OR POP–UPS OR ADVERTISING DISPLAYED THEREON‚ AT HIS OWN RISK.

LIMITATION OF LIABILITY

BY VIEWING‚ USING‚ OR INTERACTING IN ANY MANNER WITH THIS SITE‚ INCLUDING BANNERS‚ ADVERTISING‚ OR POP–UPS‚ DOWNLOADS‚ AND AS A CONDITION OF THE WEBSITE TO ALLOW HIS LAWFUL VIEWING‚ VISITOR FOREVER WAIVES ALL RIGHT TO CLAIMS OF DAMAGE OF ANY AND ALL DESCRIPTION BASED ON ANY CAUSAL FACTOR RESULTING IN ANY POSSIBLE HARM‚ NO MATTER HOW HEINOUS OR EXTENSIVE‚ WHETHER PHYSICAL OR EMOTIONAL‚ FORESEEABLE OR UNFORESEEABLE‚ WHETHER PERSONAL OR BUSINESS IN NATURE.

INDEMNIFICATION

VISITOR AGREES THAT IN THE EVENT HE CAUSES DAMAGE‚ WHICH THE WEBSITE IS REQUIRED TO PAY FOR‚ THE VISITOR‚ AS A CONDITION OF VIEWING‚ PROMISES TO REIMBURSE THE WEBSITE FOR ALL.

NOTICE

NO ADDITIONAL NOTICE OF ANY KIND FOR ANY REASON IS DUE VISITOR AND VISITOR EXPRESSLY WARRANTS AN UNDERSTANDING THAT THE RIGHT TO NOTICE IS WAIVED AS A CONDITION FOR PERMISSION TO VIEW OR INTERACT WITH THE WEBSITE.

JURISDICTION AND VENUE

IF ANY MATTER CONCERNING ANY PURCHASE SHALL BE BROUGHT BEFORE A COURT OF LAW‚ PRE– OR POST–ARBITRATION‚ VIEWER‚ VISITOR‚ MEMBER‚ SUBSCRIBER OR CUSTOMER AGREES TO THAT THE SOLE AND PROPER JURISDICTION TO BE THE STATE AND CITY DECLARED IN THE CONTACT INFORMATION OF THE WEB OWNER UNLESS OTHERWISE HERE SPECIFIED.

APPLICABLE LAW

VIEWER‚ VISITOR‚ MEMBER‚ SUBSCRIBER OR CUSTOMER AGREES THAT THE APPLICABLE LAW TO BE APPLIED SHALL‚ IN ALL CASES‚ BE THAT OF THE STATE OF THE SELLER.

THE ABOVE TERMS OF USE WAS LAST UPDATED ON 01 FEB 2014.