1. INTRODUCTION: Welcome to our member portal web application (the "Web App"). By downloading or otherwise accessing The Web App you acknowledge that you have read and agree to all the terms set out in this agreement. If you do not agree with these Terms, you should stop using The Web App immediately.

2. GENERAL RULES RELATING TO CONDUCT: The Web App is made available for your own, personal use. The Web App must not be used for any commercial purpose whatsoever or for any illegal or unauthorized purpose. When you use The Web App you must comply with all applicable Singapore laws and with any applicable international laws, including the local laws in your country of residence (together referred to as "Applicable Laws").

You agree that when using The Web App you will comply with all Applicable Laws and these Terms. In particular, but without limitation, you agree not to:

(a) Use the Web App in any unlawful manner or in a manner which promotes or encourages illegal activity including (without limitation) copyright infringement; or

(b) Attempt to gain unauthorized access to The Web App or any networks, servers or computer systems connected to the App; or

(c) Modify, adapt, translate or reverse engineer any part of the Web App or re-format or frame any portion of the pages comprising the App, save to the extent expressly permitted by these Terms or by law.

3. CONTENT: The copyright in all material contained on, in, or available through The Web App including all information, data, text, music, sound, photographs, graphics and video messages, the selection and arrangement thereof, and all source code, software compilations and other material ("Material") is owned by or licensed to us. All rights are reserved. You can view, print or download extracts of the Material for your own personal use but you cannot otherwise copy, edit, vary, 

reproduce, publish, display, distribute, store, transmit, commercially exploit, disseminate in any form whatsoever or use the Material without our express permission. 

The trademarks, service marks, and logos ("Trade Marks") contained on or in The Web App are owned by us or third party partners of ours. You cannot use, copy, edit, vary, reproduce, publish, display, distribute, store, transmit, commercially exploit or disseminate the Trade Marks without the prior written consent from us 

or the relevant third party partner of ours. 

4. DISCLAIMER / LIABILITY: USE OF THE WEB APP IS AT YOUR OWN RISK. THE WEB APP IS PROVIDED ON AN "AS IS" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) WE DISCLAIMS ALL LIABILITY WHATSOEVER, WHETHER ARISING IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE IN RELATION TO THE APP; AND (B) ALL IMPLIED WARRANTIES, TERMS AND CONDITIONS RELATING TO THE WEB APP (WHETHER IMPLIED BY STATUE, COMMON LAW OR OTHERWISE), INCLUDING (WITHOUT LIMITATION) ANY WARRANTY, TERM OR CONDITION AS TO ACCURACY, COMPLETENESS, SATISFACTORY QUALITY, PERFORMANCE, FITNESS FOR PURPOSE OR ANY SPECIAL PURPOSE, AVAILABILITY, INFORMATION ACCURACY, INTEROPERABILITY, QUIET ENJOYMENT AND TITLE ARE, AS BETWEEN US AND YOU, HEREBY EXCLUDED. IN PARTICULAR, BUT WITHOUT PREJUDICE TO THE FOREGOING, WE ACCEPT NO RESPONSIBILITY FOR ANY TECHNICAL FAILURE OF THE INTERNET AND/OR THE APP; OR ANY DAMAGE OR INJURY TO USERS OR THEIR EQUIPMENT AS A RESULT OF OR RELATING TO THEIR USE OF THE APP. YOUR STATUTORY RIGHTS ARE NOT AFFECTED.

We will not be liable, in contract, tort (including, without limitation, negligence), under statute or otherwise, as a result of or in connection with the App, for any: (i) economic loss (including, without limitation, loss of revenues, profits, contracts, business or anticipated savings); or (ii) loss of goodwill or reputation; or (iii) special or indirect or consequential loss.

IF WE ARE LIABLE TO YOU DIRECTLY OR INDIRECTLY IN RELATION TO THE APP, THAT LIABILITY (HOWSOEVER ARISING) SHALL BE LIMITED TO SINGAPORE DOLLARS FIFTY ONLY (SGD50.00). Nothing in these Terms shall be construed as excluding or limiting the liability of us for death or personal injury caused by its negligence or for any other liability which cannot be excluded by Singapore law.

5. SERVICE SUSPENSION: We reserves the right to suspend or cease providing any services relating to the apps published by it, with or without notice, and shall have no liability or responsibility to you in any manner whatsoever if it chooses to do so.

6. AMENDMENT AND WAIVER. We may amend any of the terms and conditions of this Agreement from time to time through the Services. You shall be solely responsible for regularly reviewing and keeping yourself informed and up to date of the terms and conditions of this Agreement. The failure of either party to exercise or enforce any of its rights under the Agreement will not act as a waiver of any breach and the waiver of any breach will not act as a waiver of any subsequent breaches.

7. FURTHER ASSURANCES. The parties shall each do all such acts, matters and things as may be reasonably necessary to give full effect to this Agreement.

8. COSTS AND EXPENSES. Each party shall pay its own costs and expenses in connection with this Agreement.

9. NO THIRD PARTY RIGHTS. A person who is not a party to this Agreement has no right under the Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any term of this Agreement.

10. GOVERNING LAW AND DISPUTE RESOLUTION. The Agreement is governed by and construed in accordance with the laws of Singapore, to the exclusion of conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement. Any dispute arising from or in connection with this Agreement shall be dealt with by the courts of Singapore and the parties irrevocably submit to the exclusive jurisdiction thereof and agree not to raise any defence of forum non conveniens or similar defence.