You agree not to:

• Reproduce, copy, distribute, modify, publish, transmit, display, use, reuse, re-publicize, assign, sublicense, sell, or exploit for any public or commercial purposes, any portion of the Site, use of the Site, or access to the Site.

• Attempt to change, add, remove, deface, hack or otherwise interfere with this Site or any material or content displayed on this Site; and/or

• Access or use this Site in any way that could or is intended to damage or impair the Site, or any server or network underlying the Site, or interfere with anyone else’s use and enjoyment of the Site.

Any views or opinions represented in this Site are personal and belong solely to the author and do not represent those of people, institutions or organisations that the author may or may not be associated within a professional or personal capacity unless explicitly stated.

From time to time, the Site may contain statements that represent its judgement and future expectations, however, a number of factors such as risks, uncertainties and unforeseen circumstances could cause actual developments and results to differ materially from such expectations. We are under no obligation to and expressly disclaims any obligation to update such statements whether as a result of new developments or otherwise.

Information on this Site is for general information purposes only. Our Site has no regard to the specific investment objectives or needs of any investor and no information or materials published on this Site constitutes a solicitation, offer or recommendation to effect any investment transaction whatsoever.

We do not provide any legal or tax advice through this Site and nothing herein should be construed as such or other advice. Our Site and all information and material contained herein should not be used or relied upon as a substitute for your own judgement.

This Site, the Services, the information on this Site and use of all related facilities are provided on an “as is, as available” basis without any warranties whether express or implied.

We do not warrant that this Site will always be accessible, uninterrupted, timely, secure, error-free or free from computer virus or other invasive or damaging code or that this Site will not be affected by any Acts of God or other force majeure events, including inability to obtain or shortage of necessary materials, equipment facilities, power or telecommunications, lack of telecommunications equipment or facilities and failure of information technology or telecommunications equipment or facilities.

While we may use reasonable efforts to include accurate and up-to-date information on this Site, we make no warranties or representations as to its accuracy, timeliness or completeness. WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, HOWSOEVER CAUSED, RESULTING FROM YOUR ACCESS TO, USE OF OR INABILITY TO USE, RELIANCE ON OR DOWNLOADING FROM THE SITE, OR ANY DELAYS, INACCURACIES IN THE INFORMATION OR IN ITS TRANSMISSION INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF BUSINESS OR PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The above exclusions and limitations apply only to the extent permitted by law. None of your statutory rights as a consumer that cannot be excluded or limited are affected.

Notwithstanding our efforts to ensure that our Site/system is secure, you acknowledge that all electronic data transfers are potentially susceptible to interception by others. We cannot, and do not warrant that data transfers pursuant to this Site, or electronic mail transmitted to and from us, will not be monitored or read by others.

Although we use reasonable endeavours to ensure that any software made available on this Site is suitable for downloading, installation and use by you, all such software is provided “as is” without any warranty. Specifically, and without limitation, we do not warrant that any such software is virus-free, without defects, compatible with other software or operating systems or suitable for any specific purpose. We accept no liability for any loss or damage caused by the downloading, installation or use of any such software, and the general exclusions and limitations above apply to such downloading, installation or use by you.

You may not create a link to any page of this Site without our prior written consent. While our Site may contain third party content or links to third party websites, we have no control over and do not assume any responsibility for and do not make any warranties or representations to the accuracy, subject matter, quality or timeliness of such third party content linking to our Site.

All editorial content, information, photographs, illustrations, artwork, and other graphic materials, and names, logos and trademarks on this Site are protected by copyright laws and/or other laws and/or international treaties, and belong to us and/or our suppliers, as the case may be. These works, logos, graphics, sounds or images may not be copied, reproduced, retransmitted, distributed, disseminated, sold, published, broadcast or circulated whether in whole or in part unless expressly permitted by us and/or our suppliers, as the case may be. 

Nothing contained on the Site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Site without our written permission. Misuse of any trademarks or any other content displayed on the Site is prohibited. 

We will not hesitate to take legal action against any unauthorized usage of its trademarks, name or symbols to preserve and protect its rights in the matter. All rights not expressly granted herein are reserved. Other product and company names mentioned herein may also be the trademarks of their respective owners.

Access to the information contained in this Site may be restricted by local laws and regulations applicable to the user. Our Site and all information herein are not directed at or intended for use by any such persons to whom such restrictions may apply to.

As each country has differing laws, by accessing this Site both we and you agree that the laws of the Republic of Singapore, without regard to the conflict of laws principles thereof, will apply to all matters relating to these Terms of Use.

You accept and agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore in respect of any dispute or difference arising out of and/or in connection with these Terms of Use.