By using this website you agree to comply with the following Terms.
Terms of Use

General Use

Unless specified otherwise, you are granted access to the website for purposes that are permitted by the Terms of Use. Among other things, you agree not to:

  • Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the website, including without limitation, engaging in the practices of "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information.
  • Damage, disable, overburden, or impair the website or interfere with any other party's use and enjoyment of the website.
  • Obtain or attempt to obtain any materials or information through any means not made readily accessible by the website.
  • Access or attempt to access password protected, secure or non-public areas of the website.

Products & Services

The product & services provided through the website may also be located on third party Web sites or applications, via a link, click-through advertising, or otherwise. Nothing contained in any of these products or services is an offer or promise by us to sell a specific product for a specific price or that any advertiser will sell any product or service for any purpose or price or on any specific terms.

In addition, we do not make any representation or warranty with respect to such third party Services, and is not responsible for their accuracy, sufficiency, veracity, completeness, or timeliness. You are responsible for confirming the sufficiency and reliability of any product or service, and you hereby release us any and all claims, demands, liability and damages (actual or consequential) of every kind and nature, known and unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way connected with your use of such Services.

Further, please note that certain of the interactive services that provide information and customised information based on user-inputted data are for the purpose of performing calculations, and are not an offer to lend. Interest rates shown are for demonstration purposes only. Actual market interest rates may vary.

Sharing Your Content and Information

You own all of the content and information you post on the website, and you can control how it is shared through your privacy settings. In addition:

  • For content that is covered by intellectual property rights, you specifically grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any IP content that you post on or in connection with us ("IP License"). This IP License ends when you delete your IP content or your account unless your content has been shared with others, and they have not deleted it.
  • When you delete IP content, it is deleted in a manner similar to emptying the recycle bin on a computer. However, you understand that removed content may persist in backup copies for a reasonable period of time.
  • When you publish content or information using the "everyone" setting, it means that you are allowing everyone, including people who do not have an account on the website, to access and use that information, and to associate it with you.
  • We always appreciate your feedback or other suggestions about the website, but you understand that we may use them without any obligation to compensate you for them.

Safety

We do our best to keep the website safe, but we cannot guarantee it. We need your help to do that, which includes the following commitments:

  • You will not send or otherwise post unauthorised commercial communications (such as spam) on the website.
  • You will not collect users' content or information, or otherwise access the website, using automated means (such as harvesting bots, robots, spiders, or scrapers) without our permission.
  • You will not engage in unlawful multi-level marketing, such as a pyramid scheme on the website.
  • You will not upload viruses or other malicious code.
  • You will not solicit login information or access an account belonging to someone else.
  • You will not bully, intimidate, or harass any user.
  • You will not post content that: is hateful, threatening, or pornographic; incites violence; incite racial or ethnic disharmony; or contains nudity or graphic or gratuitous violence.
  • You will not use the website to do anything unlawful, misleading, malicious, or discriminatory.
  • You will not do anything that could disable, overburden, or impair the norminal performance of the website, such as a denial of service attack.
  • You will not facilitate or encourage any violations to the Terms of Use.

Registration and Account Security

The people of the website provide and use their real names and information, and we need your help to keep it that way. Here are some commitments you make to us relating to registering and maintaining the security of your account:

  • You will not provide any false personal information on the website, or create an account for anyone other than yourself without permission.
  • You will not create more than one personal profile.
  • If we disable your account, you will not create another one without our permission.
  • You will not use your personal profile for your own commercial gain (such as selling your status update to an advertiser).
  • You will not use the website if you are under 13.
  • You will not use the website if you are a convicted sex offender.
  • You will keep your contact information accurate and up-to-date.
  • You will not share your password, let anyone else access your account, or do anything else that might jeopardize the security of your account.
  • You will not transfer your account (including any page or application you administer) to anyone without first getting our written permission.
  • If you select a username for your account we reserve the right to remove or reclaim.

Protecting the rights of others

In order to sure that other people have the same rights you do, please abide by the following conduct:

  • You will not post content or take any action on the website that infringes or violates someone else's rights or otherwise violates the law.
  • We may remove any content or information you post if we believe that it violates this Terms of Use.
  • If we remove your content for infringing someone else's copyright, and you believe we removed it by mistake, we will provide you with an opportunity to appeal.
  • If you repeatedly infringe other people's intellectual property rights, we will disable your account when appropriate.
  • If you collect information from users, you will: obtain their consent, make it clear you (and not us) are the one collecting their information, and post a privacy policy explaining what information you collect and how you will use it.
  • You will not post anyone's identification documents or sensitive financial information on the website.
  • You will not tag users or send email invitations to non-users without their consent.

Applicable Law

This Terms of Use is governed by the laws of the Legal System of Singapore without regard to conflicts of laws principles. You hereby consent to the exclusive jurisdiction and venue of courts sitting in Singapore in all disputes arising out of or relating to accessing or using of the website. Access or use of the website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of the Terms of Use or accessing or using the website. The website's performance under the Terms of Use is subject to existing laws and legal process, and nothing contained in the Terms of Use is in derogation of the website's right to comply with governmental, court and law enforcement requests or requirements relating to your access or use of the website or information provided to or gathered by the website with respect to such use.

Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF AND RELIANCE ON ANY AND ALL OF THE WEBSITE, SERVICES AND/OR CONTENT IS AT YOUR SOLE RISK AND IS MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF THE WEBSITE, SERVICES AND/OR CONTENT. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Indemnification

YOU AGREE TO INDEMNIFY AND HOLD US, ITS THIRD-PARTY VENDORS, CORPORATE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD-PARTY DUE TO OR ARISING OUT OF ANY CONTENT, SUBMITTED, POSTED, OR OTHERWISE PROVIDED BY YOU TO THE WEBSITE AND/OR US AND/OR ITS THIRD PARTY ADVERTISERS AND ANY BREACH BY YOU OR YOUR AFFILIATES, EMPLOYEES, AGENTS AND REPRESENTATIVES OF THESE TERMS OF USE.

Limitation of Liability

IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO ACCESS OR USE THE WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY CONTENT, SOFTWARE, PRODUCTS AND SERVICES MADE AVAILABLE OR OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. ANY SERVICES OR CONTENT MADE AVAILABLE OR OBTAINED THROUGH THE USE OF THE WEBSITE, AND ALL OTHER USE OF THE WEBSITE, IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS THEREFROM.

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

Termination

If you violate the Terms of Use, or otherwise create risk or possible legal exposure for us, we can stop providing all or part of the website to you. We will notify you by email or at the next time you attempt to access your account.

Definitions

By "website" we mean the features and services we make available, including through our website and any other branded or co-branded websites now existing or later developed.

By "information" we mean facts and other information about you, including actions you perform.

By "content" we mean anything you post on the website that would not be included in the definition of "information."

By "post" we mean post on the websitel or otherwise make available to us.

By "use" we mean use, copy, publicly perform or display, distribute, modify, translate, and create derivative works of.