Terms & Conditions of Use

These terms and conditions of use (“Terms of Use”) govern your use of and access to our website at (the “Blog”), whether as a guest or a registered user.

This Blog may be used for informational purposes only. By using the Blog or downloading materials from the Blog, you accept and agree to be legally bound by these Terms of Use. If you do not agree to be bound by these Terms of Use, please refrain from accessing or using the Blog or downloading materials from the Blog.

If you have any comments or questions about these Terms of Use or the Blog, please contact us using the details shown in the Contact Us page.

Access to our Blog

Access to the Blog is permitted on a temporary basis, and we reserve the right to withdraw or amend access to or use of the Blog for any reason without notice. We will not be liable to you or any third party if for any reason the Blog is unavailable at any time or for any period.

Your use of the Blog

You may use the Blog only for lawful purposes.  You may not use the Blog:

(a) in any way that breaches any applicable law, regulation or code of practice;

(b) in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;

(c) for the purpose of harming or attempting to harm minors in any way;

(d) to send, knowingly receive, upload, download, use or re-use any material which:

(i) is defamatory, obscene, hateful, discriminatory or inflammatory;

(ii) promotes violence, discrimination or illegal activity; or

(iii) infringes any intellectual property right, right of confidentiality or right to privacy;

(e) to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);

(f) to generate and/or cause congestion to our network traffic in excess of reasonable and normal usage;

(g) to cause any disruption, interference, interruption or degradation in our network, the Blog or the services provided on our Blog; or

(h) to knowingly transmit any data, send or upload any material that contains any viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other technologically harmful programs, data or code.

You also agree:

(i) not to reproduce, duplicate, copy or re-sell the entire or any part of the Blog in contravention of these Terms of Use; and

(j) not to access without authority, interfere with, damage or disrupt:

(i) any part of the Blog;

(ii) any equipment or network on which the Blog is stored;

(iii) any software used in the provision of the Blog; or

(iiii) any equipment, network or software owned or used by any third party in connection with your use of the Blog.

From time to time, we may without penalty or liability, restrict access to some parts of the Blog, or the entire Blog, to users who have registered with us, at our sole and absolute discretion and without providing any reasons.

If you choose, or are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right, without penalty or liability, to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use or in response to any threatened or perceived security risk.

You are also responsible for ensuring that all persons who access the Blog through your internet connection or using your user identification details are aware of these Terms of Use, and that they comply with them.

Intellectual Property Rights in the Blog

We are the owner or the licensee of the copyright and all other Intellectual Property Rights subsisting in the Blog and its content. Nothing herein or otherwise shall be construed as an assignment or transfer of our rights in the Intellectual Property Rights subsisting in the Blog and its content. All our rights are fully and expressly reserved.

For the avoidance of doubt, “Intellectual Property Rights” mean any copyright, rights in software, rights in databases, patents and rights in inventions, trade marks, rights in domain names, designs, know-how, trade secrets and other rights in confidential information, in each case whether registered or unregistered including applications for registration and the right to apply for registration for any of the rights listed above that are capable of being registered anywhere in the world, and all other rights having equivalent or similar effect anywhere in the world.

You may print off and download extracts from the Blog for your own personal non-commercial use provided that (i) you do not modify any of the content; (ii) you do not use any graphics or photographs separately from their accompanying text; and (iii) you do not remove any copyright, trade mark notification or other proprietary notices (including these Terms of Use) from such extracts.

You must not use any part of the materials on the Blog for commercial purposes without obtaining a licence to do so from us or our licensors.

The content available on the Blog may not be reproduced, distributed, transmitted, published, displayed, broadcast, stored, adapted, licensed, altered, hyperlinked or otherwise used in any manner or by any means without our prior written consent. You may not, without our prior written consent, insert a hyperlink to our Blog (or any part thereof) on any other Blog or “mirror” or frame any content available on our Blog on any other server or Blog.

No license or right is granted to you, and your access to the Blog and/or use of Blog, should not be construed as granting, by implication, estoppel or otherwise, any license or right to use the trademarks, tradenames or logos appearing on our Blog.

If you print off, copy or download any part of our Blog or its content in breach of these Terms of Use, your right to use our Blog will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Reliance on information

Commentary and other materials or information posted on or otherwise made available via our Blog are not intended to amount to advice on which reliance should be placed.  We do not warrant the accuracy or completeness of any information or materials on this Blog or the reliability of any statement or other information displayed or distributed through the Blog.We therefore exclude all liability and responsibility arising from any reliance placed on such materials or information by you, or by anyone who may be informed of any of its contents, and you acknowledge that any reliance on any such statement or information shall be at your sole risk.

You acknowledge that you have not relied on any statement, promise, warranty or representation made or given by or on behalf of us which is not set out in these Terms of Use or any documents referred to in them.

Our liability

This Blog and the information and content contained on it are provided “as is” without any representation or endorsement made and, to the maximum extent permitted by law, without warranty, representation, guarantee, condition or assurance of any kind whether express or implied (including without limitation any warranty that the Blog will be uninterrupted, available, defect-free or error-free, that the information and content conained on it is accurate, complete or of a satisfactory quality, and/or that the content contained on the Blog does not infringe the Intellectual Property Rights of any third party).

To the maximum extent permitted by law, we, any of our group companies, officers, directors, employees and shareholders and agents hereby expressly exclude any and all liability for:

(k) any loss, damage or costs, whether direct or indirect, incurred or suffered by you or any third party in connection with our Blog or in connection with the use, inability to use, or results of the use of our Blog, including but not limited to any pure economic loss; or any loss of or damage to your hardware, data or information;

(l) the content, information and material posted or made available on our Blog;

(m) any loss or damage due to any interruption or cessation of transmission of the Blog;

(n) any loss or damage due to any bugs, viruses, Trojan horses or similar malware which may be transmitted to or through the Blog and the information and content contained on it by any third party

(o) any websites linked to our Blog; and

(p) any loss of any business of yours, including but not limited to loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data or waste of management or office time.

The security of communications sent over the internet (including by e-mail) is subject to many factors outside of our control. We do not guarantee the security or confidentiality of any electronic communications and shall not be responsible to you for any loss or damage that you may suffer as a result of the transmission of any such communications.

We shall have no liability for your inability to connect to or to access the Blog which may result from any faults, errors or problems relating to your PC hardware, software, network or security, or your internet service provider or any other similar problem.

Suspension and termination

We will determine, in our discretion, whether there has been a breach of these Terms of Use through your use of the Blog.  When a breach of these Terms of Use has occurred, we may take such action as we deem appropriate.

Failure to comply with these Terms of Use may result in our taking all or any of the following actions:

(q) immediate, temporary or permanent withdrawal of your right to use or access the Blog or any part of it;

(r) issue of a warning to you;

(s) legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) incurred or suffered by us resulting from your breach of these Terms of Use;

(t) further legal action against you; and/or

(u) disclosure of such information to law enforcement or regulatory authorities as we reasonably feel is necessary or as required under applicable law.

We exclude liability for actions taken in response to breaches of these Terms of Use.  The responses described in these Terms of Use are not limited, and we may take any other action we reasonably deem appropriate.

Viruses, hacking and other offences

You must not misuse our Blog by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You further agree not to upload or launch any automated systems or software onto or within our Blog, such as “robots” or “spiders”. You must not attempt to gain unauthorised access to our Blog, the server on which our Blog is stored or any server, computer or database connected to our Blog. You must not attack our Blog via a denial-of-service attack or a distributed denial-of service attack.

We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of any such breach, your right to use our Blog will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect or affect your computer equipment, computer programs, data or other proprietary material due to your use of our Blog or to your downloading of any material posted or otherwise made available on it, or on any Blog linked to it.

Links from our Blog

The Blog may contain links to other Blogs and resources operated by third parties or our affiliates. These links are provided for your information only.  We have no control over the content of and the information contained in those Blogs or resources, and accepts no responsibility for them or for any loss or damage that may arise from your use of them. Use of such Blogs is subject to the terms and conditions applicable to and displayed on such Blogs.

User-Generated Content

This Blog may include information and materials uploaded by other users and/or readers of the Blog, including on bulletin boards and comment sections. This information and these comments have not been verified or approved by us. The views expressed by other users and/or readers on our Blog do not represent our views or values.

If you wish to complain about information and materials uploaded by other users please contact us on the Contact Us page.

Whenever you make use of a feature that allows you to upload content to our Blog, or to make contact with other users of our Blog, you must comply with the Terms of Use. You warrant that any such contribution is in compliance with the Terms of Use, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

Any content you upload to our Blog will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We have the right to remove any posting you make on our Blog if, in our sole opinion, your post does not comply with the Terms of Use of for any reason whatsoever.

Applicable law and Jurisdiction

These Terms of Use and any documents referred to in them and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Singapore.

The courts of Singapore will have exclusive jurisdiction over any dispute or claim arising out of or in connection with a visit to our Blog or these Terms of Use, although we expressly reserve the right to bring proceedings against you for breach of these Terms of Use in your country of residence or any other relevant country.

Changes to these Terms of Use

We may revise these Terms of Use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we have made, as they are binding on you. Some of the provisions contained in these Terms of Use may also be superseded by provisions or notices published elsewhere on our Blog.

Your continued access and/or use of the Blog following any amendment of these Terms of Use will signify your assent to and acceptance of its revised terms.

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