GENERAL
AMENDMENTS TO TERMS AND CONDITION
Debt Relief MLaw Singapore reserves the right, in its discretion, to amend this Terms of Use at any time by posting amendments on the Website without notice. You are responsible for periodically reviewing the amendments on the Website and you are deemed to be aware of such amendments. You are encouraged to review the Website periodically for updates and changes. If you do not agree to the amended Terms of Use, you shall immediately stop using the Website. Your use of the Website after any amendments have been posted shall constitute your acknowledgment and acceptance of the amended terms and conditions.
DISCLAIMER AND LIMITATION OF LIABILITY
ACCURACY
The Website has been prepared in order to provide information. Whilst Debt Relief MLaw Singapore makes a reasonable effort to ensure that the content of the Website is accurate and current, Debt Relief MLaw Singapore does not warrant the accuracy, adequacy, currency or completeness of such content. You are solely responsible for the retrieval and use of the information on the Website. You should exercise your own judgment in making any use of or reliance on any information on the Website, including, without limitation, the use of the information as the basis for any decisions or conclusions.
Debt Relief MLaw Singapore, its management committee, members, employees and/or volunteers shall not, to the extent permitted by applicable law, be liable or responsible for any inaccuracies within the Website or any direct or indirect loss, damage or inconvenience caused as a consequence of or in connection with any use of or reliance on or the inability to use any information contained in the Website. For the avoidance of doubt, Debt Relief MLaw Singapore shall also not be responsible for claims against you brought by third parties arising from your use of or reliance on any information displayed or downloaded from the website and/or any linked website.
AVAILABILITY
While Debt Relief MLaw Singapore will make a reasonable effort to ensure that the Website remains available and accessible to the public, Debt Relief MLaw Singapore will not be liable for any failure to provide the services contained within the Website. This includes, in particular, any suspension of the Website resulting from maintenance and upgrades to any of our systems or those of any party used to provide the services.
EXTERNAL LINKS
The Website may contain links to other websites ("linked websites"), where those links are provided for convenience only and may not remain current or be maintained. Debt Relief MLaw Singapore does not accept any responsibility for the accuracy, currency or appropriateness of the content of such other websites, including without limitation any information, data, opinions, advice or statements within, or availability of, the linked websites. When you access such sites, you are doing so at your own risk. The inclusion of any links should not be taken as Debt Relief MLaw Singapore's endorsement, approval or recommendation of any of the linked websites or any association with such websites or their operations. The links are provided for your convenience only and Debt Relief MLaw Singapore does not seek to monitor, control or purport to exert control over such websites.
VIRUS AND MALWARE
You are responsible for taking your own precautions to ensure that the means by which you access the Website does not expose you to the risk of viruses, malicious computer codes or other forms of interference which may damage your computer system or affect the security of the information stored within your computer system. For the avoidance of doubt, we shall not be responsible for any interference or damage to your own computer system arising out of your use of the Website or any linked website.
AUTHORITY
You authorise Debt Relief MLaw Singapore to accept and act on your instructions and the information provided by you through the facilities in the Website. You acknowledge that the information you provide will form the basis upon which Debt Relief MLaw Singapore will assess your case and offer its views. Any personal information which you provide will be protected in accordance with our Privacy and Cookies Policy as set out below.
RESPONSIBILITY FOR CONTENT
All information, reports, data, text, photographs, graphics, icons, videos, sound recordings, messages, trade marks, logos or other materials (“Content”), whether publicly posted or privately transmitted, are the sole responsibility of the person from whom such Content originated. This means that you, and not Debt Relief MLaw Singapore, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Website.
USAGE OF WEBSITE
The Website is provided for the exclusive use of private individuals requiring debt management information and/or credit counselling.
Interference or entry to the Website with intent to corrupt, damage or deny service from the Website is taken seriously and we will take such action as is necessary to protect the Website from any such activities.
The Website and its Content are the property of Debt Relief MLaw Singapore. You are not allowed to modify or alter any material provided on the Website in any way.
You further agree not to use the Website to:
1. Upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, hurtful, defamatory, vulgar, invasive of another’s privacy, or racially, ethnically or otherwise objectionable;
2. Impersonate any person or entity, or falsely state or otherwise represent your affiliation with a person or entity;
3. Upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
4. Upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
5. Upload, transmit or otherwise make available any unsolicited or unauthorised advertising, promotional materials, “junk mail”, “spam”, “chain letters”, “pyramid schemes” or any other forms of solicitation;
6. Upload, post, email, transmit or otherwise make available any materials that contains software viruses or any other computer code, files or programmes designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunication equipment; and/or
7. Interfere with or disrupt the Website or servers or networks connected to the Website, or disobey the requirements, policies or regulations of networks connected to the Website.
OWNERSHIP AND INTELLECTUAL PROPERTY RIGHTS
You agree that any and all Content contained on the Website, including the manner in which the Content is presented and all information relating thereto, are the intellectual property of Debt Relief MLaw Singapore.
Debt Relief MLaw Singapore hereby grants you a personal, non-exclusive and non-transferable license to access and read but not to download (other than a page caching) a copy of the Content, or any portion of it, on the Website. This license does not include, without limitation: (i) any resale or commercial use of this site or its contents; (ii) any derivative use of this site or its contents; or (iii) any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose.
You may not frame or utilise framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Debt Relief MLaw Singapore without its express written consent. You may not use any meta-tags or any other “hidden text” utilizing any service marks without the express written consent of Debt Relief MLaw Singapore. Any unauthorised use terminates the permission or license granted by Debt Relief MLaw Singapore.
You agree that you will not, without Debt Relief MLaw Singapore's written consent, copy, distribute, reproduce transmit, publish, create derivative works of, reverse engineer, decompile, disassemble, translate, modify, adapt, arrange, merge, host, share, commercially exploit, make available to any person or entity or otherwise use, either directly or indirectly, the Content on the Website, whether in whole or in part, in any form or by any means (physical, electronic or otherwise). You shall not permit, allow, or do anything that would infringe or otherwise prejudice the proprietary rights of Debt Relief MLaw Singapore.
LICENSE TO USE YOUR INFORMATION
With the exception of personal information (which will be dealt with in accordance with our Privacy and Cookies Policy and Personal Data Protection Policy found at www.debtrelief.sg, respectively), you hereby grant to Debt Relief MLaw Singapore a perpetual, unlimited, royalty-free, world-wide, non-exclusive, irrevocable, transferable and sub-licensable license to run, display, copy, reproduce, publish, distribute, create derivative works of, adapt, translate, transmit, arrange, modify, merge, transfer, share, host, make available to any person or otherwise, any information or Content, including without limitation, your reviews on Debt Relief MLaw Singapore services, ideas, concepts, know-how or any intellectual property contained therein, which you provide on or through the Website or which is sent to Debt Relief MLaw Singapore by email or other correspondence. You warrant that you have the right to grant the license as set out above.
Debt Relief MLaw Singapore shall not be bound by any obligations of confidentiality in respect of any such information or Content disclosed to Debt Relief MLaw Singapore unless you have expressly labelled such information as “Confidential”.
INDEMNITY
To the extent permitted by applicable law, you agree at all times to indemnify, defend and hold harmless Debt Relief MLaw Singapore, its management committee, members, employees and volunteers against any and all losses, liabilities, damages, claims, demands, suits, actions, proceedings, and expenses, including court costs and reasonable legal fees sustained, incurred or paid by Debt Relief MLaw Singapore directly or indirectly in respect of:
Your failure to observe or perform any of the obligations under this Terms of Use;
Any content which you provide on or through the Website or by email or other correspondence; or
Your use or misuse of the content or the Website, including without limitation intellectual property infringement claims.
REGISTRATION DATA
In consideration of your use of our services, including without limitation the “Debt Relief Program”, you agree to:-
1. Provide true, accurate, current and complete information about yourself as prompted by any registration form; and
2. Maintain and promptly update the registration data to keep it true, accurate, current and complete.
You may contact Debt Relief MLaw Singapore at the contact details provided under the Privacy and Cookies Policy set out below should you wish to request for or correct any registration data which you have provided Debt Relief MLaw Singapore with. Any personal information which you provide will be protected in accordance with our Privacy and Cookies Policy as set out below.
If you provide any information that is untrue, inaccurate, not current or incomplete, or Debt Relief MLaw Singapore has grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Debt Relief MLaw Singapore may refuse any and all current or future use of the Website (or any parts thereof).
VARIATION / TERMINATION OF SERVICES
Debt Relief MLaw Singapore reserves the right to change the services provided from time to time and to terminate the Website and the services at its sole discretion.
GENERAL PRACTICES REGARDING USE AND STORAGE
Debt Relief MLaw Singapore may establish general practices and limits concerning the use of the Website, including the maximum number of days that email messages or other uploaded Content will be retained by the Website, the maximum number of email messages that may be sent from or received by an account on the Website, the maximum size of any email message that may be sent from or received by an account on the Website, the maximum disk space that will be allotted on Debt Relief MLaw Singapore’s servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Website in a given period of time.
GOVERNING LAW AND DISPUTE RESOLUTION
Debt Relief MLaw Singapore (the Website and its Content saved for any linked websites or content) are physically located within Singapore. The Website and its Content are intended to be read by Singapore residents only. This Terms of Use shall be governed by and construed according to the laws of the Republic of Singapore.
In the event of any dispute arising out of or in connection with this Terms of Use, [both yourself and Debt Relief MLaw Singapore shall consult with each other and endeavour to resolve in good faith any such dispute. However, if such dispute may not be settled by mutual consultation within thirty (30) days from the time of the first consultation between yourself and Debt Relief MLaw Singapore, it shall be referred to and finally resolved by [the courts of the Republic of Singapore, which shall have exclusive jurisdiction to hear and determine any action, suit or proceeding, and to settle any dispute, which may arise out of or in connection with this Terms of Use].
OR
[arbitration in Singapore in accordance with the arbitration rules of the Singapore International Arbitration Centre for the time being in force which rules are deemed to be incorporated by reference to this clause. The Tribunal shall consist of a sole arbitrator and the language of the arbitration shall be English].
WAIVER OF REMEDIES
No failure to exercise or delay by Debt Relief MLaw Singapore in enforcing its respective rights will restrict or prejudice the rights of Debt Relief MLaw Singapore, and no waiver of any such rights or of any breach of any contractual terms constitutes a waiver of any other right or of any later breach.
RIGHTS OF THIRD PARTIES
The Contracts (Right of Third Parties) Act (Cap. 53B) shall not apply to this Terms of Use under any circumstances whatsoever and no person, company or any other entity, apart from you and Debt Relief MLaw Singapore, shall have any right to enforce or rely on any of the terms of this Terms of Use.
SEVERABILITY
If any clause of this Terms of Use (or part of a clause) is found by any court or administrative body of competent jurisdiction to be invalid, unenforceable or illegal, the other clauses shall remain in force. If any invalid, unenforceable or illegal clauses would be valid, enforceable or legal if some part of it were deleted, the provision shall apply with the minimum modification necessary to make it legal, valid and enforceable.
ENTIRE AGREEMENT
This Terms of Use as it may be amended in accordance with the provisions in this Terms of Use, and any and all other legal notices and policies on the Website constitute the entire agreement between yourself and Debt Relief MLaw Singapore relating to the use of the Website and its Content.
No addition to, amendment or modification of any provision of this Terms of Use shall be binding upon Debt Relief MLaw Singapore unless executed by Debt Relief MLaw Singapore in writing and published on the Website.