By purchasing, accessing or using the Product/Service (defined below) from the Company (defined below), you conclude a legally binding agreement with us, which consists of all other terms and conditions that the Company may publish, or specify in writing as applicable to the Products, including, without limitation, this Terms of Purchase and any other terms and conditions communicated and/or published via its Product/Service (the “Terms”) (the “Agreement”). For the purpose of this Agreement, “Product/Service” shall be defined as the website (desktop and mobile), applications and any of the following products or services of the Company or a combination thereof which is purchased, subscribed or ordered by you from us.

We reserve the right to amend the Terms at any time without notice to you, by communicating and/or publishing the amended Terms via our Product/Service.

Your continued use of any Product/Service following the publication of any amendments of the Terms constitutes your acceptance of those amended Terms.

In the event you object to any amended Terms or other notices, your sole option is to terminate this Agreement by giving us thirty (30) days’ written notice.

This Agreement takes effect on the date you enter into any contractual arrangement with us and/or commence using any Product/Service, whichever is earlier.

A Product/Service shall be valid for such period specified by the Company (the “Validity Period”) in the relevant agreement and/or document that specifies the terms upon which the Company shall provide a Product/Service and the rights and obligations of the parties for such arrangement (“Sales Order”).

Upon expiry or termination of the Validity Period or any renewals thereof, this Agreement shall automatically terminate, unless you renew the Product/Service. If any Product/Service has not been fully utilized by the end of the Validity Period, the unutilised portion of such Product/Service shall be automatically forfeited without notice to you. Notwithstanding any such forfeiture, you shall remain liable for all fees that apply to such Product/Service and you shall not be entitled to any refund or compensation for any unutilised Product/Service from us.

No cancellations of the Sales Order nor refunds will be entertained.

Price. We reserve the right to revise the price of any Product/Service at any time and without prior notice to you. The revised pricing shall apply when you subscribe for or purchase a new Product/Service, or when you renew an existing Product/Service after its Validity Period. You shall not be subject to the revised price in the event that the revision occurs during the Validity Period of your existing Product/Service.

Product. We reserve the right to:

The fees and payment dates for your Product/Service will be specified in your Sales Order and you shall make full payment for the Product/Service in the amount and manner stated in the Sales Order.

We shall only be obliged to activate or allow you to use Product/Service upon receipt of your full payment of all fees and charges for the Product/Service under the applicable Sales Order, unless otherwise agreed in writing by the Company.

At our discretion, we may send invoices to you by email or such other electronic method as we notify to you. Upon our request you will advise us of an email address to which we may send your invoices. It is your responsibility to ensure that email address is accurate, is up to date, is functioning properly and is regularly monitored by an authorised person on your behalf. It is also your responsibility to advise us of any changes to the email address to which invoices should be sent. If an email address notified by you ceases to function properly or otherwise should be amended, you will promptly provide an alternate email address for the purpose of receiving invoices. Invoices are deemed to be received by you on the day immediately following the date shown by our email system as the sent date. Any failure to receive an invoice does not relieve you of liability for payment of fees by the due date shown on the invoice.

All prices exclude any taxes that may apply to us and you under the relevant jurisdiction (“Taxes”). If any consideration paid to us under or in connection with this Agreement is paid free of Tax, and at any time after such payment we become aware (either by notification from a regulatory authority or otherwise), that an amount of Tax or an additional amount of Tax should have been charged or is applicable to such payment, we will be entitled to recover from you that amount of Tax and any subsequent amount required to be paid to a regulatory authority (including any amounts required to be withheld from payments made to us and remitted to any regulatory authorities). Such payments must be paid to us within thirty (30) days of receipt of a notice by you from us.

In the event that any payment due to us, is received subsequent to its due date, late payment interest shall accrue and be payable thereon before as well as after judgment at such interest rate as communicated with you or as we determine in our sole discretion, calculated on a daily basis from the date that payment is due until the date of actual receipt of such payment, including the interest thereto.

In the event that you fail to make payment of any fees due under these Terms, you acknowledge and agree that we shall be entitled to take such steps against you to recover any fees owed to us including commencing legal proceedings against you for the recovery of the same. You agree to indemnify and hold us harmless against all costs and expenses, including legal fees, which we may reasonably incur in the taking of such step.

You represent and warrant to us that at all times during this Agreement:

You acknowledge and agree that at all times during this Agreement:

Your obligations to us are as follows:

In relation to use of any account to access the Product/Service:

Without limiting our other rights, we may immediately terminate this Agreement and/or the Sales Order or suspend your use and access to the Product/Service if:

Notwithstanding exercise of the Company’s right to suspend your use and access to the Product/Service pursuant to the above, you shall still remain bound to the terms of this Agreement. We will not refund and/or compensate you, in the event that your use and access to the Product/Service is suspended or terminated in accordance with the above.

We reserve our rights and remedies.

In addition to any rights of termination you may have under another this Agreement, you may immediately terminate this Agreement and/or the Sales Order if:

Suspension of your use and access to the Product/Service shall not:

We may at our sole discretion, decide not to enter into a new agreement with you if you have previously terminated an Agreement or contract of any type with us.

The sums payable by you on termination shall be a debt due to us payable within thirty (30) days of notice of termination.

As a consequence to termination of the Sales Order or this Agreement:

You expressly understand and agree that:

Each party must take all reasonable steps to minimise any loss it suffers or is likely to suffer and that is the subject of a claim under this Agreement. If a party does not take reasonable steps to minimise that loss, then the other party’s liability for the relevant claim will be reduced accordingly.

We shall not be liable to you for any damages, losses or liabilities arising under this Agreement to the extent that liability is caused by any delay in performance or breach of this Agreement resulting from any matter beyond our reasonable control (including blackouts, viruses, other defects, delays or failure of the internet service provider or the medium via which the Product/Service is delivered).

We limit our liability for breach of any condition, warranty or guarantee pursuant to this Agreement that cannot be excluded to (at our option) resupplying the relevant Product/Service or paying the cost of having the Product/Service resupplied. In no event shall our aggregate liability for any claims under or pursuant to this Agreement exceed the aggregate fees actually paid by you to us for the 12-month period, immediately preceding the event that gave rise to your claim against us.

Notwithstanding any other provision in this Agreement to the contrary and to the extent permitted by applicable law, under no circumstances shall we be liable for any direct, indirect, consequential, exemplary or special damages, nor for damages for loss of profit, goodwill, use, data, other tangible losses or any loss or damage relating to:

You acknowledge and agree that the disclaimers and exclusions of liability set out in this Agreement represent a fair and reasonable allocation of the risks and benefits of the contract between you and us, taking into account all relevant factors including without limitation the value of the fees and payments provided by you. You further agree that these disclaimers and limitations shall be enforceable to the fullest extent permitted by applicable law in all jurisdictions worldwide.

You agree to indemnify us and our subsidiaries, officers, employees, agents and/or other parties (“Indemnified Party”) against any and all liabilities, actions, proceedings, claims, demands, direct, indirect or consequential liabilities, losses, damages, expenses and costs (including legal expenses on a solicitor and client basis) incurred or suffered by any Indemnified Party arising out of or in connection with:

For the avoidance of doubt, you shall also indemnify us against any and all liability, loss, damage, costs and expenses which we or a third party may incur or suffer whether direct or consequential (including any economic loss or other loss of profits, business or goodwill) as a result of any dispute or contractual, tortious or other claims or proceedings brought against us by a third party by reason of your use or exploitation of the Product/Service.

Each indemnity in this Agreement is a continuing obligation, separate and independent from the other obligations of the parties and survives termination of this Agreement for whatever reason.

You expressly agree that this Agreement shall not be deemed an agreement of sale. All materials published or available via the Product/Service including by not limited to, text, graphics, photographs, designs, code, data, compilations and/or software (collectively, “Company’s Content”) are our property or the property of our content suppliers. We (and our content suppliers, as applicable) retain all right, title and interest in the Company’s Content, including all Intellectual Property Rights therein. No Company’s Content may be reproduced, modified, adapted, distributed, published, displayed, updated, posted, transmitted or hyperlinked in any manner and in any form without our express, prior written approval, and the approval of the respective copyright and trademark holders.

You hereby grant us a non-exclusive and royalty-free license to use and adopt your logo, trade name, brand name and trademarks for marketing, distribution and publicity purposes and this licence survives the termination of this Agreement.

In consideration of us providing any Product/Service to you, you grant us an irrevocable, perpetual, transferable, world-wide, royalty free licence to use, copy, commercialise, license to third parties and adapt for any purpose related to our business any content or material you provide to us and/or that we develop for you as part of the Product/Service, and this licence survives termination of this Agreement.

For the avoidance of doubt, save for where such disclosure is required as part of our obligations to you in relation to the Offerings we shall not display any Personal Information (name, identification number, financial account details or credit card number) in a public domain or via our Offerings or to directly monetise such information.

You must not assign this Agreement without our prior written consent.

We may assign this Agreement at any time. If we assign this Agreement, we will notify you of the assignment.

We will send all notices and other communications to you at the email address you have provided to us. It is your sole responsibility to ensure that you provide us with your current contact email address. Communications delivered by email shall be effective upon date of receipt.

No delay or failure by either party to enforce any provision of this Agreement will be deemed a waiver or create a precedent or will prejudice its rights. No waiver by either party will be effective unless it is in writing and signed.

If any term of this Agreement is void, unenforceable or illegal, that term is severed. The remainder of this Agreement has full force and effect.

Each party’s rights and remedies provided in this Agreement are in addition to other rights and remedies given by law and equity independently of this Agreement.

The laws of the Republic of Singapore shall govern this Agreement and each party submits to the exclusive jurisdiction of the Singapore Courts except in situations where some countries require agreements to be governed by the local laws of the consumer's country. This paragraph doesn’t override those laws.

Neither party shall be in breach of this Agreement in the event such party is unable to perform its obligations under this Agreement as a result of a force majeure event, which includes acts of God, new statutory enactments or modifications, war or warlike hostilities, pandemics, epidemics, acts of terrorism, civil commotion, riots, blockades, embargoes, sabotage, strikes, lockouts, shortage of material or labour, delay in deliveries from sub-contractors, machine failure caused by force majeure, or any other event that is unforeseeable and outside the reasonable control of such party. Except for your payment obligations, upon the occurrence of any force majeure event such party shall be relieved of any obligation under this Agreement as is affected by the force majeure event(s), save that the provisions of this Agreement which are unaffected by the force majeure event(s) shall remain in force.

A party who is not a party to this Agreement shall have no rights under the Contracts (Rights of Third Parties) Act 2001 (as amended or revised from time to time) to enforce any of its terms.