Thank you for using our website www.fintags.com.sg, the information made available there and its services (“Website”). The Website is provided by FinTags International Pte Ltd trading as FinTags (“FinTags”, “We” or “Us” or “Our” which expression shall unless the context or meaning be otherwise repugnant mean and include their heirs, legal representatives, executors, administrators, assigns).
You are a visitor or user of our Website (and any reference to You or Your shall mean you or your as the case may be which expression shall unless the context or meaning be otherwise repugnant mean and include your heirs, executors, administrators, legal representative, successor/ successors-in-office and assigns)
By using our Website, you are agreeing to these terms. Please read them carefully.
- These terms and conditions shall govern your use of our Website.
- By using our Website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our Website.
- If you register with our Website, submit any material to our Website or use any of our Website services, we will ask you to expressly agree to these terms and conditions.
- You must be at least 18 years of age to use our Website; by using our Website or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.
- Copyright (c) 2021 FinTags International Pte Ltd.
- Subject to the express provisions of these terms and conditions: (a) we, together with our licensors, own and control all the copyright and other intellectual property rights in our Website and the material on our Website; and
(b) all the copyright and other intellectual property rights in our Website and the material on our Website are reserved.
3. Licence to use Website
- You may: (a) view pages from our Website in a web browser; and
- Except as expressly permitted by Section 3.1 or the other provisions of these terms and conditions, you must not download any material from our Website or save any such material to your computer.
- You may only use our Website for your own personal and business purposes, and you must not use our Website for any other purposes.
- Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our Website.
- Unless you own or control the relevant rights in the material, you must not: (a) republish material from our Website (including republication on another Website);
- Notwithstanding Section 3.5, you may redistribute our newsletter in print and electronic form to any person.
- We reserve the right to restrict access to areas of our Website, or indeed our whole Website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our Website.
(b) use our Website services by means of a web browser, subject to the other provisions of these terms and conditions.
(b) sell, rent or sub-license material from our Website;
(c) show any material from our Website in public;
(d) exploit material from our Website for a commercial purpose; or
(e) redistribute material from our Website.
4. Acceptable use
- You must not: (a) use our Website in any way or take any action that causes, or may cause, damage to the Website or impairment of the performance, availability or accessibility of the Website;
- You must not use data collected from our Website to contact individuals, companies or other persons or entities.
- You must ensure that all the information you supply to us through our Website, or in relation to our Website, is true, accurate, current, complete and non-misleading.
(b) use our Website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
(c) use our Website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;
(d) conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our Website without our express written consent;
(e) access or otherwise interact with our Website using any robot, spider or other automated means, except for the purpose of search engine indexing;
(f) violate the directives set out in the robots.txt file for our Website; or
(g) use data collected from our Website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).
5. Registration and accounts
- You may register for an account with our Website by completing and submitting the account registration form on our Website, and clicking on the verification link in the email that the Website will send to you.
- You must not allow any other person to use your account to access the Website.
- You must notify us in writing immediately if you become aware of any unauthorised use of your account.
- You must not use any other person's account to access the Website, unless you have that person's express permission to do so.
6. User login details
- If you register for an account with our Website, you will be asked to choose a user ID and password.
- Your user ID must not be liable to mislead; you must not use your account or user ID for or in connection with the impersonation of any person.
- You must keep your password confidential.
- You must notify us in writing immediately if you become aware of any disclosure of your password.
- You are responsible for any activity on our Website arising out of any failure to keep your password confidential, and may be held liable for any losses arising out of such a failure.
7. Your content
- In these terms and conditions, "your content" means all works and materials (including without limitation text, graphics, images, audio material, video material, audio-visual material, scripts, software and files) that you submit to us or our Website for storage or publication on, or processing by, or transmission via, our website.
- You warrant and represent that your content will comply with these terms and conditions.
- Your content must not be illegal or unlawful, must not infringe any person's legal rights, and must not be capable of giving rise to legal action against any person (in each case in any jurisdiction and under any applicable law).
- Your content, and the use of your content by us in accordance with these terms and conditions, must not: (a) be libelous or maliciously false;
(b) be obscene or indecent;
(c) infringe any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right;
(d) infringe any right of confidence, right of privacy or right under data protection legislation;
(e) constitute negligent advice or contain any negligent statement;
(f) constitute an incitement to commit a crime, instructions for the commission of a crime or the promotion of criminal activity;
(g) be in contempt of any court, or in breach of any court order;
(h) be in breach of racial or religious hatred or discrimination legislation;
(i) be blasphemous;
(j) be in breach of official secrets legislation;
(k) be in breach of any contractual obligation owed to any person;
(l) depict violence in an explicit, graphic or gratuitous manner;
(m) be pornographic, lewd, suggestive or sexually explicit;
(n) be untrue, false, inaccurate or misleading];
(o) consist of or contain any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage;
(p) constitute spam;
(q) be offensive, deceptive, fraudulent, threatening, abusive, harassing, anti-social, menacing, hateful, discriminatory or inflammatory; or
(r) cause annoyance, inconvenience or needless anxiety to any person.
8. Limited warranties
- We do not warrant or represent: (a) the completeness or accuracy of the information published on our Website; (b) that the material on the Website is up to date; or (c) that the Website or any service on the Website will remain available.
- We reserve the right to discontinue or alter any or all of our Website services, and to stop publishing our Website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any Website services, or if we stop publishing the Website.
- To the maximum extent permitted by applicable law and subject to Section 8.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our Website and the use of our Website.
9. Limitations and exclusions of liability
- Nothing in these terms and conditions will: (a) limit or exclude any liability for death or personal injury resulting from negligence;
- he limitations and exclusions of liability set out in this Section 9 and elsewhere in these terms and conditions: (a) are subject to Section 9.1; and
- The total liability of FinTags under this terms and conditions shall in no circumstances exceed twice the charges paid by you in the preceding 12 months, using the Website.
- We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
- We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
- We will not be liable to you in respect of any loss or corruption of any data, database or software.
- We will not be liable to you in respect of any special, indirect or consequential loss or damage.
- You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the Website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
(b) limit or exclude any liability for fraud or fraudulent misrepresentation;
(c) limit any liabilities in any way that is not permitted under applicable law; or
(d) exclude any liabilities that may not be excluded under applicable law.
(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.
10. Breaches of these terms and conditions
- Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may: (a) send you one or more formal warnings;
- Where we suspend or prohibit or block your access to our Website or a part of our Website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).
(b) temporarily suspend your access to our Website;
(c) permanently prohibit you from accessing our Website;
(d) block computers using your IP address from accessing our Website;
(e) contact any or all of your internet service providers and request that they block your access to our Website;
(f) commence legal action against you, whether for breach of contract or otherwise; and/or
(g) suspend or delete your account on our Website.
- We may revise these terms and conditions from time to time. The revised terms and conditions shall apply to the use of our Website from the date of publication of the revised terms and conditions on the Website.
- If you have given your express agreement to these terms and conditions, we will ask for your express agreement to any revision of these terms and conditions; and if you do not give your express agreement to the revised terms and conditions, we will disable or delete your account on the Website, and you must stop using the Website.
- You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
- You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
- If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
- If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
14. Third party rights
- A contract under these terms and conditions is for our benefit and your benefit, and is not intended to benefit or be enforceable by any third party.
- The exercise of the parties' rights under a contract under these terms and conditions is not subject to the consent of any third party.
15. Entire agreement
16. Law and jurisdiction
- These terms and conditions shall be governed by and construed in accordance with English law.
- Any disputes relating to these terms and conditions shall be subject to the non-exclusive jurisdiction of the courts of Singapore.
17. Our details
- This Website is owned and operated by FinTags International Pte Ltd trading as FinTags.
- We are registered with ACRA under registration number 202135085E, and our registered office is at 3, Phillip Street, #16-02A, Royal Group Building, Singapore 048693.
- You can contact us: (a) by post, to the postal address given above;
(b) using our Website contact form;
(c) by telephone, on the contact number published on our Website from time to time; or
(d) by email, using the email address published on our Website from time to time.