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Terms of Use (“Terms”)

Last updated: 16 February 2017

Acceptance Of Terms

Welcome to the website ( and its related subdomain). Please read the following Terms of Use carefully. By accessing and using the website, you shall be deemed to have accepted and be legally bound by these Terms of Use. If you go not agree with them, please cease the use of the website immediately.

The owner of the website (“us”, “we” or “our”) reserves the right to update the Terms of Use anytime without notice to you. The continued use of the website after such update will constitute your acceptance of and agreement to be legally bound by the updated Terms of Use.

Member Account

Access to certain part of the website may require an account. By having an account with us,

  • you shall provide us with true and correct information for the account creation;
  • you shall continue to keep the information accurate and up-to-date after account is created;
  • you shall create a strong password and limit its use to this account;
  • you shall not share your password or transfer your account to anyone;
  • you shall not let anyone access your account;
  • you shall not access account other than your own.

Account creation and access level will be subjected to assessment and approval. Decision will be final and no correspondence will be entered into.


We reserve the right to restrict, suspend or terminate your account anytime without notice to you if we determine that you have violated the Terms of Use or abused the website and its services.


The contents and services of the website are provided on an “as is” and “as available” basis without warranties of any kind. They are only for general information and should not be constituted as professional advice or recommendation for making any specific personal, business or investment decision. To the maximum extent permitted by law, we make no representation or warranty, whether express or implied, and hereby disclaims any warranty:

  • to the accuracy, currency, reliability, correctness, merchantability, non-infringement, title or fitness for a particular purpose of any content, data, information or service of the website, whether provided by us, any content providers or third parties;
  • that the use of the website will be uninterrupted or free of any error, viruses or bugs.

Use of the website by you shall be at your sole risk. You need to, at all times, exercise your own assessment and judgement. We shall not be liable for any damage or loss of any kind arising from any reliance on the use of the website.

Links To Third Party Websites

The website may contain links to third party websites which are not controlled and maintained by us. You need to exercise reasonable care to determine the accuracy, currency, reliability, correctness, merchantability, non-infringement, title or fitness for a particular purpose of the information contained in the third party websites. We do not endorse or are not responsible for the contents of those websites and will not be liable for any damage or loss of any kind arising from any reliance on the use of those websites.

Copyright And Trademark

All contents on the website are protected by copyright, trademark and other forms of proprietary right belonging to us or their respective owners. The website is for your personal, non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or exploit for any commercial or other purpose the contents and services of the website.

Report Of Copyright Infringement

We respect the rights of all copyright holders. If you believe your content has been copied in a way that constitutes copyright infringement, please report this by writing to us at . We shall duly consider all copyright infringement report. In return, you agree that you shall not take any legal action or exercise any legal remedy you may have against us in respect of any infringing material, unless you have first reported the infringement and given us sufficient opportunity to remove the infringing material, and thereafter we refuse or fail to remove the infringing material within a reasonable time.

After we remove the infringing material in response to your report of infringement, you agree not to exercise and you hereby waive, any right of action against us under applicable law which you may have in respect of any infringing material appearing on the website prior to such removal by us. You acknowledge and agree that we have no control and cannot undertake responsibility or liability in respect of infringing material appearing on linked sites or other third party websites.

Your Content

Our website may contain functionalities that allow you to contribute and share your content with other users. You retain your rights that you hold in that content and you should only provide content that you are comfortable sharing with others. By contributing your content to the website, you automatically grant a perpetual, irrevocable, non-exclusive, transferable, fully-paid, royalty-free, worldwide license to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content.

You must not contribute any content that is or could be dangerous, defamatory, false, obscene, offensive or unlawful, or any content that is protected by copyright or other intellectual property rights, without first obtaining permission of the copyright owner or rights holder, or any content that contains any bugs, viruses or other harmful elements.

We reserve the right to remove content anytime without notice to you.

Evolving Website

As the website continue to evolve, we reserve the right to modify, change, suspend or discontinue the website and any of its functionalities or features anytime without notice to you.


Click here to review the Privacy Policy page.

Third Party Rights

No third party who has not agreed to be bound by these Terms of Use shall have any right under the Contracts (Rights of Third Parties) Act (Chapter 53B) to enforce any of the terms herein.


You agree to indemnify and hold us harmless from and against all claims, damages, demands, liabilities, losses, penalties and expenses of any kind (including but not limited to legal fees and costs) due to or arising out of or in connection with the use of the website.


If any of these terms is determined by any court of competent jurisdiction to be invalid or unenforceable, such term shall be struck out and the remaining terms shall be enforced.

No Waiver

Any failure or delay by us to act with respect to any breach in the Terms of Use shall not be deemed to be a waiver or variation of any such rights unless acknowledged and agreed to by us in writing.

Governing Laws

These Terms of Use shall be governed and construed in accordance with laws of the Republic of Singapore.