By accessing PayDay! HRMS, you hereby agree to the terms and conditions below. If you DO NOT agree, please logout from the web-site immediately.




General Terms

All documents, materials and contents on this Web Site ("") are the property of Stone Forest Accountserve Pte Ltd ("SFA"), and are protected, without limitation, pursuant to Singapore and foreign copyright and trademark laws. By accessing this Web Site, you agree to the following terms and conditions. If you do not agree, you have no right or license to access this Web Site and you should not do so.

SFA reserves the right to authorize the access and the right to view the contents to this Web Site. Without the prior permission of SFA, you may not allow unauthorized users to access this Web Site under any circumstances. You shall not distribute or duplicate any contents of this Web Site, whether for commercial or non-commercial purposes.

Any product, process or technology published on this World Wide Web server may be the subject of other Intellectual Property rights reserved by SFA, its Principals or suppliers. Any software programs and any corrections, updates or new versions of any software programs that may be made available by PayDay! HRMS through this World Wide Web server are provided subject to the additional terms, conditions and restrictions indicated in the applicable section of this Site.


Limits of Liability

The information provided in this document is intended for informational purposes only and is subject to change without notice. SFA assumes no responsibility for the accuracy or completeness of the information contained in any document available through this World Wide Web server, and such information is subject to change without notice.



To the fullest extent permitted by applicable laws, SFA and its employees, agents, suppliers, and contractors shall in no event be liable for any claims, charges, demands, damages, liabilities, losses, and expenses of whatever nature and howsoever arising, including without limitation any compensatory, incidental, direct, indirect, special, punitive, or consequential damages, loss of use, loss of data, loss caused by a computer or electronic virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if SFA has been advised of the possibility of such damages or losses, arising out of or in connection with the use of this Web Site or any Web Site with which it is linked. You assume total responsibility for establishing such procedures for data back up and virus checking as you consider necessary.



You hereby agree to indemnify and hold harmless SFA from and against any and all claims, charges, demands, damages, liabilities, losses, expenses, and liabilities of whatever nature and howsoever arising (including but not limited to any legal or other professional fees and the costs of defending or prosecuting any claim and any loss of profit, goodwill, and any other direct or consequential loss) incurred or suffered by SFA directly or indirectly by reason of any act or omission which you commit in breach of these terms and conditions and the obligations and warranties contained in them.

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At PayDay! HRMS, we are committed to protecting the security and confidentiality of your personal information so as to provide you with a safe and secure online environment. Our website uses commercially proven security hardware and software products. These security products include routers, firewalls and secure operating system to safeguard your interest.

Industry standard Secure Socket Layer (SSL) communication protocol is the de facto cryptographic standard that we use for securing data communication between the browser and our website. Digital certificate technology is used to ensure transaction privacy, message integrity and server-side authentication. This also serves as an assurance that the website runs legitimately under the care of PayDay! HRMS.

All connections must pass through at least one router and one firewall to gain access to the server. The firewall checks for the appropriate source address and restricts unauthorised access to the appropriate server.

Additional technical security features include Verisign digital certificates, 256-bit encryption and one-way hashing of all user passwords.

PayDay! HRMS's Internet Services is regularly updated to ensure that your interest is safeguarded.

Apart from the security measures put in place by the Stone Forest Accountserve(SFA), you play an equally important role in ensuring your online security and account information is not compromised.

You should adopt the following recommended practices in protecting the security of your system:

  • Do not share your user ID or password with anyone.
  • Do not display your account information in a manner that is visible to others and your PC should never be left unattended. For your protection, PayDay! HRMS Internet Services will automatically terminate your session if there is no activity for a period of time.
  • Always use the recommended browser. All browsers and application software should be upgraded to support SSL 128-bit encryption.
  • Always check that our website address changes from http:// to https:// and a security icon, usually in the form of a lock or key, appears when authentication and encryption is expected.


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At SFA, we have implemented measures to safeguard your account(s) information. However, to ensure that your online security and account(s) information is not compromised, we recommend that you adopt the following PayDay! HRMS Internet Services security guidelines:

1. Before entering your Company ID, Login ID and Password, you should always ensure that the website you are visiting belongs to PayDay! HRMS. This can be verified by the digital certificate being issued to This precaution will ensure that you are not revealing your PayDay! HRMS login details to a website other than PayDay! HRMS.

2. It is important to protect yourself against any forms of online theft of your Company ID, Login ID and Password. Each valid Company ID, Login ID and Password identify you uniquely as one of our valued customers. Only authorised users are allowed to log in to our secure website(s).

Important tips on how you can safeguard and protect your password:

  • Change your Password regularly.
  • Do not use the same digit more than twice or recycle your Password.
  • Dispose of your Password after memorising it.
  • Change your Password immediately if you suspect it has been exposed to others or the moment you suspect any unauthorised access.
  • Once your Company ID, Login ID or Password become invalid or cease to have effect, you should inform us immediately by calling our Customer Service Hotlines for their respective services.

3. It is important to log out of each Internet Service session, even if it is for a short while. This will prevent any transactions from being performed without your authorisation.

4. To ensure that you enjoy the highest level of security possible, all browsers and application software should be upgraded to support SSL 128-bit encryption or a higher encryption standard with the most updated security features available.

5. You are encouraged not to save your Login ID or Password by using the “Auto Complete” function of your browser. This function stores and lists possible matches from entries that you have typed previously.

6. You are encouraged to delete junk or chain emails. Do not open email attachments from strangers

7. We strongly advise against conducting your Internet Service transactions on shared or public PCs. This will increase your risk exposure to malicious programs or viruses.

8. You should make regular backup of critical data.

9. You should clear your browser’s cache and history after each session so that your account information is removed.

10. You should remove file and printer sharing in your PC, especially if you have Internet access via cable modems, broadband connections or similar set-ups.

11. You should also exercise precaution against viruses or other programmes such as Trojan that can capture your password keystrokes and other personal information. Such captured data can be sent to another party without prior consent. To avoid getting infected, we recommend that you (1) equip your PC with the latest virus detection software so as to protect yourself against any virus attacks and other malicious attacks, (2) update the anti-virus and firewall products with security patches or newer versions on a regular basis, (3) avoid downloading any files from websites and people you are not sure about, (4) avoid using programs that allow you to automatically get or preview files and (5) and install a personal firewall to protect against hackers, virus attacks or Trojan Horse programs.

12. You should check your account and transaction history regularly to ensure that all details are updated and that there are no unauthorised transactions on your account(s). PayDay! HRMS Internet Services will display your “last login date and time”, whenever you logon, to help you monitor this.

13. You should consider the use of encryption technology to protect highly sensitive data.

14. If you notice any unusual/unauthorised transactions, please change your Password and notify us immediately. It is important that you inform us immediately by calling our Customer Service Hotlines.

15. Your usage of PayDay! HRMS Internet Services is subject at all times to the Terms Of Use. You should therefore read carefully and adhere to the recommended security practices. SFA is not responsible for any loss or damage in connection to the use of PayDay! HRMS services unless such loss is attributable to our negligence or wilful default.

16. As a user PayDay! HRMS, you have the right to (1) suspend your Internet Service Access immediately should you suspect any unusual activity and/or unauthorised access, (2) terminate this service, (3) request for a new set of PayDay! HRMS Internet Service Password.

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Please read these Terms and Conditions carefully as they set out our respective legal rights and obligations in relation to your subscription and use of PayDay! HRMS. You acknowledge that references to “we”, “our” and/or “us” refers to Stone Forest AccountServe Pte Ltd and all its affiliates. 



1.1 Your access, subscription or use of our online payroll management services and any other website applications, mobile applications and other related services provided to you on any Website or URL as we may provide (“Services”) is subject to the Terms and Conditions set out herein and any other terms and conditions applicable to you from time to time, including but not limited to our Privacy Statement and Website Terms of Use (collectively referred to as “this Agreement”).



1.2 This Agreement will take effect on the date you use the Services and by using the Services, you are deemed to have read the terms of this Agreement and will be bound by this Agreement accordingly.


1.3 If you are entering into this Agreement on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind such entity and its affiliates to these Terms and Conditions, in which case the terms “you” or “your” shall refer to such entity and its affiliates.


1.4 If you do not have such authority or if you do not agree to the Terms and Conditions in this Agreement, do not use the Services.



2.1 This Agreement may be updated by us from time to time without notice to you. The changes will be effective when posted on our Website for the Services. Please review this Agreement periodically. Your continued use of the Services after we post or otherwise notify you of any changes indicates your agreement to the changes.


2.2 We may also from time to time, update, modify or discontinue, temporarily or permanently, the Services (or any part thereof), including but not limited to, the correction of errors, the improvement of functionality of the Services, the Internet based services, mobile applications, pricing, technical support options, and other product-related policies, (even if such alterations, modifications, upgrades and corrections do not specifically improve the operation of the Services for your particular purposes) with or without notice to you. The updates may occur automatically or may be caused to occur through operation of prompts that appear on your interface and will be subject to this Agreement. Your continued use of the Services after we post or otherwise notify you of any changes, indicates your agreement to the changes. We will not be liable to you or to any third party for any modification, suspension or discontinuance of the Services.



3.1 Subject to this Agreement, we hereby grant to you a limited non-exclusive and non-transferable right to Use the Services as described in our User Documentation. The Services are purchased by you as user subscriptions and may be accessed by no more than the specified number of users who have been supplied user identifications and passwords by you (“Users”). “Use” shall include use by your Users accessing the Services (or any part thereof) via a URL that we will from time to time notify you or via a mobile application, with the use of individual login names and passwords. “User Documentation” shall mean our factsheets, how-to videos and explanatory materials made available by us for the Services, of which such materials may be updated from time to time.


3.2   The right granted to you under Clause 6.1 is subject to the following limitations:


(a)    your right to Use is not contingent on the delivery of any future functionality or features nor dependent on any oral or written public comments made by us regarding future functionality or features;


(b)    your use of the Services is for your own internal purposes only, in the capacity of an end-user, and you shall not use the Services for the provision of outsourcing or on a professional basis for anyone other than yourself, without our prior written consent;


(c)    you shall not permit any third party to use the Services in any way whatsoever nor use the Services on behalf of or for the benefit of any third party in any way whatsoever, without our prior written consent,


(d)    the Services may only be used by your named Users, provided that you may add or remove a named User in accordance with the User Documentation; and


(e)    you must comply at all times with the terms of this Agreement and must ensure that all Users of the Services agree to and comply with the terms of this Agreement.

3.3 We do not represent that information on our Website for the Services is appropriate or available for use in all countries. We prohibit accessing materials from countries where contents are illegal. You are accessing this Website on your own initiative and you are responsible for compliance with all applicable laws.




4.1 We may impose practices and limits concerning use of the Services, including without limitation the maximum number of times you may access the Services and for how long, the maximum number of messages that you may send, the maximum data storage space that you will have on our servers, or the maximum number of days that your data or messages will be kept by the Services.


4.2 We have no responsibility or liability for the deletion or failure to store any data, messages and other communications or other content maintained or transmitted by the Services. We reserve the right to close accounts that are inactive for such a period of time as determined by us. You further acknowledge that we reserve the right to change these general practices and limits at any time, in our sole discretion, with or without notice to you.


4.3 Should there be a failure of or error, omission, defect, deficiency, delay-causing downtime, or your inability to access the Services for any length of time, including as a result of the permanent termination of service, you acknowledge and agree that, your sole remedy is to discontinue using the Services.



5.1 Subject to the limited rights granted by you in this Agreement, you own all of your data, content and all information which you enter or submit in connection with the Services (“Content”). We acquire no right, title or interest from you or your licensors under this Agreement in or to your Content, including any intellectual property rights therein.

5.2 You hereby grant to us a worldwide, perpetual, royalty free, non-exclusive right and licence to use all Content provided by you in connection with the Services and you hereby grant us permission to use all or any part of your Content in any way we deem necessary to provide the Services to you, including updating and maintaining your data, addressing errors or service interruptions, and enhancing the types of data and services we may provide to you in the future.


5.3 You also grant us permission to combine your Content, if any, with that of others in a way that does not identify you or any individual personally. We may use this Content to improve services and to compare business practices with other company standards. We may use your Content to create, market or promote new offerings to you and others. You also grant us permission to share or publish summary results relating to research data and to distribute or license such data to third parties.


5.4 To the best of our ability, we shall maintain appropriate administrative, physical, and technical safeguards for protection of the security, confidentiality and integrity of your Content. We shall not:


(a) disclose your Content except to those to whom disclosure is necessary to effect the purposes of this Agreement and who are similarly bound to hold your Content in confidence; or


(b) disclose your Content unless required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (i) comply with legal process; (ii) enforce this Agreement; (iii) respond to claims that any of your Content or such part thereof violates the rights of third-parties; or (iv) protect our rights, property, or personal safety and that of our users or the public.

Our Privacy Statement sets out in greater detail how we strive to protect your privacy and limit disclosure of your personal information.


5.5 You acknowledge that we do not pre-screen Content, but that we shall have the right (but not the obligation) in our sole discretion to refuse or remove any Content, in whole or in part, that is available via the Services.


5.6 You and your Users acknowledge that we may retain a copy of his/her/its information gathered through the use of the Services and other information uploaded on your account. We may in certain circumstances export user information outside Singapore. We shall not share personal information with anyone except in the manner provided in our Privacy Statement.


5.7 You agree that we may use your feedback, suggestions, or ideas in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant us a perpetual, irrevocable, worldwide, fully transferable, sub-licensable, royalty free license to use, modify, adapt or create derivative works from the feedback you provide to us in any way.


5.8   You warrant that:

(a)    you are entirely responsible for all Content that you upload, post, email or otherwise transmit via the Service;


(b)    you have obtained all required consents and comply with all applicable privacy legislation in connection with any use and disclosure of information relating to the use of the Services       and the Services;


(c)    your Content will not infringe any third party rights;


(d)    you are duly authorised to upload, submit, transmit or otherwise deal with all Content provided by you, and that all such Content provided is true, accurate, current and complete;


(e)    your Content will not place unnecessary load as to affect the performances of our Website, systems and equipment;


(f)     your Content will not contain any material which is unauthorised, inaccurate, harmful, abusive, obscene, libellous, defamatory, threatening or otherwise illegal;


(g)    your Content will not contain any viruses or harmful or malicious  code or devices which could damage any device accessing such data; and


(h)    you will not share, store, or in any way distribute financial data that is not in accordance with the law. Any Users suspected of having information which involves fraud, embezzlement, money laundering, insider trading, support for terrorism, or any other activity proscribed by law may have their accounts terminated, their financial data erased, and they also may be reported to law enforcement officials in the appropriate jurisdictions.



6.1 Subject to our Privacy Statement, we may from time to time offer on our Website or mobile applications, third party products or services, which are not affiliated with us ("Third Party Products") or the Services may contain links to their websites or mobile apps. You agree that we can use your contact information, including name and address, for the purpose of offering these products to you. The availability of such Third Party Products in connection with the Services does not constitute an endorsement, warranty, or representation as to the fitness, suitability, merchantability, title, non-infringement, quality, or accuracy of the third party provider or its products or services.

6.2 If you decide to use any Third Party Products or access any of their websites or mobile apps, you acknowledge that any use thereof will be at your sole risk. You acknowledge that use of such Third Party Products, their websites or mobile apps are, subject to the terms, conditions and policies established by the third party. You agree that the third parties, and not us, are responsible for their product's performance and the content on their websites or mobile apps and you expressly hold us harmless for and from any claims arising out of your access or use of the Third Party Products.


6.3 The Services may contain features designed to interoperate with third party applications. To use such features, you may be required to obtain access to such third party applications from their providers. If you install or enable third party applications for use with Services, you acknowledge that we may allow providers of those third party applications to access your Content as required for the interoperation of such applications with the Services. We shall not be responsible for any disclosure, modification or deletion of your Content resulting from any such access by such application providers. The Services shall allow you to restrict such access by restricting Users from installing or enabling such third party applications for use with the Services. If the provider of any such third party application ceases to make the third party application available for interoperation with the corresponding features of our Services, we may cease providing such features without entitling you to any refund, credit, or other compensation.


6.4 Certain online services (including links to other online payroll services related to the use of the Services) are provided by financial institutions and other third party service providers (including external cloud computing software providers) and not by us. You agree to hold harmless and release us from any liability relating to your use of such online services whether provided by your financial institution or any other third party. Your access to and conditions of use of such services may be limited in accordance with the terms of use published by such third party provider.



7.1 Our Website, mobile applications or any part thereof may display advertisements or promotions as well as links to other websites or mobile applications provided by third parties who offer products and services which we have no control over. Such sites are independent of us and we do not endorse and are not responsible for any of their content. Your dealings with the advertisers, promoters or third parties found on or through our Website or mobile apps, including payment and delivery of related goods or services, and any other terms and conditions associated with such dealings, are solely between you and such advertiser. We accept no liability in respect of your use or inability to use them or any of the content of such sites. We likewise accept no liability in respect to any of the products, information, materials or services offered or provided by other organizations listed or linked to our Website or mobile apps. Should you choose to enter into a binding contract with any such site, you agree to hold us harmless and hereby release us from any liability whatsoever whether arising out of contract, tort or otherwise for any liability, claim, injury, loss or damage suffered as a result of the you or any User offering to accept any products or service that are available from those sites or apps.



8.1 You warrant and represent that:


(a)    your access to and usage of the Services are in accordance with this Agreement;


(b)    you shall not store, download, transfer, reproduce, duplicate, distribute, copy, rent, loan, sell, resell, or exploit for any purpose the Services, related software or any portion thereof, the data or content obtained through the Services, or use or access to the Services;


(c)    you will not translate, adapt, vary, modify or create derivative works based on the Services and its related software nor disassemble, decompile or reverse engineer the Services, its related software or any part thereof;


(d)    you will take all reasonable steps to forestall any unauthorized use, copying or transfer of materials on or relating to the Services;


(e)    you will not use the Services for or to carry out any activity that may be prohibited under       the laws of Singapore or under any other applicable law;


(f)     you will comply with all local rules regarding online conduct, acceptable content and use of the Website and the Services;


(g)    you will not interfere with or disrupt the integrity or performance of the Services or third-party data contained therein;


(h)    you will not access the Services or related systems or networks by any means other than through the interface that we provide for use in accessing the Services;


(i)     you will not use any means to restrict or prevent another user from accessing or enjoying the Services;


(j)     you will not impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; and


(k)    you will not, in any litigation proceeding, challenge the admissibility as evidence or the accuracy of a data log or electronic record provided by us in whatever form it may be presented.

8.2   You shall be responsible for:

(a)    you and your Users’ compliance with this Agreement as far as it is applicable to them; and you acknowledge that you are responsible for all action taken by the Users, whether or not authorised by you;


(b)    maintaining the confidentiality of the passwords associated with your account and user identification numbers and notifying us in writing immediately if you become aware of any unauthorised use of your login or password.  You are responsible for any activity on our Website arising out of any failure to keep your login and password confidential;


(c)    ensuring control of the passwords and user identification numbers for authorised usage of the Services. All communications and activities occurring under or referable to your account, user identification numbers or passwords shall be deemed to have been validly issued or authorised by you and you are fully responsible for all activities that occur under your account, whether or not resulting from your failure to maintain the confidentiality as required herein. You agree to hold harmless and release us from any loss or liability whatsoever that you may incur as a result of someone other than you using your username, password or account, either with or without your knowledge. You agree to indemnify us for any damages, third party claims or liabilities whatsoever that we may incur as a result of activities that occur on or through your account, whether or not you were directly or personally responsible;


(d)    accepting updates. The Services may periodically be updated with tools, utilities, improvements, third party applications, or general updates to improve and enhance the features and performance of the Services. You agree to receive these updates automatically as part of the Services;


(e)    obtaining and maintaining your own internet access and all necessary telecommunications equipment, Services and other materials in order to be able to Use the Services. You acknowledge that the operation and availability of internet access to access the Services or to transmit information to us or to the relevant authorities can be unpredictable and may interfere with or prevent access to the Services or its operation. We are not in any way responsible for any such interference with or prevention of your use of or access to the Services; and


(f)     documenting and reporting all errors or malfunctions in Use of the Services to us as soon as expedient.



9.1 PayDay is the registered trademark owned by Stone Forest AccountServe Pte Ltd. We reserve all rights, title and interest in and to the trademark PayDay, the domain name, the Services, its related software, and all related intellectual property rights (including, but not limited to all URLs, mobile applications, web content, data files, processed information and documents, images appearing in our Website and screen displays as well as any and all documentation relating to the Services or processed by the software related to the Services). These are owned by us or our licensors, and are protected by Singapore, foreign and other applicable laws. The technical procedures, processes, concepts and methods of operation that are inherent within the Services and its related software constitute trade secrets. No rights are granted to you under this Agreement other than as expressly set forth.

9.2 The usage of our Services does not constitute a sale or transfer of any intellectual property rights to you or your Users.



10.1 You can view our Privacy Statement here. You agree to be bound by the applicable our Privacy Statement, subject to change in accordance with its terms.



11.1 You agree to indemnify and hold us, our affiliates, officers, agents, co-branders or other partners, and employees, harmless from and against any claims, loss (including reasonable legal costs and expenses) or liability incurred by us which arises from or was due to the Content you submitted, posted to or transmitted through the Services, your connection, access or use of the Services, or a breach by you or any of your Users of any term of this Agreement.



12.1 Your use of our Website, the Services and content are entirely at your own risk and you agree that the Services are provided “AS IS” and “AS AVAILABLE” and we do not make any representations or warranties in relation to the Services or any part thereof. No advice or information, whether oral or written, obtained from us or from the use of your Services shall create any warranty not expressly stated in this Agreement.


12.2 We, our employees, officers, directors, affiliates and our third party service or data providers, licensors, distributors or suppliers (collectively referred to as “Suppliers”) disclaim all warranties (express, implied or statutory) and condition of the Services including any warranty of fitness for purpose, quality, title, merchantability, completeness, non-infringement of any intellectual property rights or the accuracy, reliability, quality or content in or linked to the Services or that the Services, any Third Party Products and online services and any content, materials, tools, utilities, software and functionality will: (a) be fit or suitable for any specific purpose or intended use; (b) meet your requirements and expectation;(c) be uninterrupted, flawless, timely, accurate, reliable, secure or error free or (d) be secure and free from bugs, viruses, interruption, errors, theft or destruction. As no data transmission over the Internet can be guaranteed as totally secure, we do not warrant the security of any information transmitted over the Internet. Accordingly, any document or information which is transmitted by you, whether to us or to any other party, is transmitted at your own risk.



13.1 In recognition of the relative risks and benefits between us (including without limitation, the amounts payable by you), the risks have been reasonably allocated such that you agree, to the fullest extent permitted by law, to limit our entire liability (whether in contract, tort, negligence, strict liability in tort or by statute or otherwise howsoever arising) to you or to any third party concerning the performance or non-performance by us of our obligations under this Agreement, or in any manner related to the Agreement, for any and all claims, losses, costs, damages of any nature including legal fees, so that our total aggregate liability to you or to any third party shall not exceed the total amount paid by you in the two (2) months preceding the incident.


13.2  In NO event shall we, our employees, officers, directors, affiliates and Suppliers be liable to you or any other party for any indirect, special, incidental, exemplary, punitive or consequential damages or damages resulting from any matter relating to the Services, including but not limited, loss of profits, goodwill, reliance on or use of any data, information, content or matter provided via the Services or the accuracy, correctness or completeness thereof, any loss or inaccurate data, error payment failure, payment defect, inaccurate calculations, unauthorised access to alter your data, downtime, failures of telecommunications, identity theft, fraud or unauthorised access or other intangible loss, damages or the cost of procurement of substitute good or services resulting from any goods, data, information or services purchased or obtained or transactions entered into through or from the use of the Services; (whether in contract, tort, negligence, strict liability in tort or by statute or otherwise howsoever arising  and whether or not we have been advised of the possibility of such damages).



14.1 We may, in our sole discretion, cease to provide the Services to you and to terminate this Agreement forthwith if:

(a)    you go into liquidation or bankruptcy;


(b)    you compromise the security of our Services and servers in any way; or


(c)    we believe that you have violated or acted inconsistently the terms and conditions of this Agreement.

14.2 Upon the termination of this Agreement, (a) all rights granted by us to you under this Agreement shall cease; and (b) we will deactivate or delete your account and all related data, information and files in your account and/or bar any further access to such files or the Services. We shall not be liable to you or any third party in any way whatsoever, for any termination of your access to the Services.


14.3 Termination of the Agreement under this Section shall be in addition to and not a waiver of any remedy (in law or equity) available to us arising from your breach of this Agreement.


14.4 All terms and conditions in this Agreement that by their nature should reasonably survive, including without limitation Clauses 9 (Your Data), 12 (Your Other Responsibilities), 13 (Proprietary Rights), 15 (Indemnity), 16 (Disclaimer), 17 (Limitation of Liability) and 19 (General) shall survive any termination or expiration of this Agreement.



15.1 Headings The headings of the sections contained in this Agreement are for convenience only and shall not be deemed to control or affect the meaning or construction of any provision of this Agreement.


15.2 No Implied Waivers No failure on the part of any Party to exercise, and no delay on its part in exercising, any right or remedy under this Agreement operates as a waiver thereof, nor will any single or partial exercise of any right or remedy preclude any other or further exercise thereof or the exercise of any other right or remedy. The rights provided in this Agreement are cumulative and not exclusive of any rights or remedies provided in law or equity.


15.3 Force Majeure  Neither party shall be held liable for a delay or failure in the performance of this Agreement owing to any occurrence of unforeseen event beyond its reasonable control, including but not limited to, acts of God, natural disasters, power failures, server failures, third party service provider failures or service interruptions, transmission delays, defect or downtime in the servers on which the data is held or processed, loss of data transmitted by third party networks, embargo, labour disputes, lockouts and strikes, riots, war, floods, insurrections, legislative changes, and governmental actions. Such delay or failure will not constitute a breach of this Agreement and the time for performance of the affected obligation will be extended by such period as is reasonable.


15.4 Relationship of the Parties.  We are independent contractors. This Agreement does not create a partnership, franchise, joint venture, agency, fiduciary or employment relationship between us. You do not have any right or authority to assume or to create any obligation or responsibility, express or implied, on behalf of or in our name or to bind us in any manner or thing whatsoever.


15.5 Transfer or Assignment.  You shall not transfer or assign this Agreement or any part thereof to any other party without our prior written consent. However, we may assign or transfer it without your consent to (a) an affiliate, (b) another company through a sale of assets or (c) a successor by merger.


15.6 Contract (Rights of Third Parties) Act Save in respect of our affiliates, no part of this Agreement is enforceable under the Contracts (Rights of Third Parties) Act by a person who is not a party to it.


15.7 Entire Agreement You shall be deemed to have read this Agreement and agree that this Agreement supersedes all prior and contemporaneous agreements, proposals or representations, written or oral, concerning its subject matter.  To the extent of any conflict or inconsistency between the provisions in these Terms and Conditions and the Website Terms of Use, these Terms and Conditions shall prevail.


15.8 Severability If any provision of this Agreement is held by a court of competent jurisdiction to be invalid, illegal or contrary to law, the provision shall be modified by the court and interpreted so as best to accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions of this Agreement shall remain in full force and effect and continue to be binding and enforceable.


16. Notices Notices to you may be made by regular mail or by email at the address and email in your Registration Form.


17. Governing Law This Agreement shall be governed by and construed in accordance with the laws of Singapore. The parties agree to submit to the exclusive jurisdiction of the courts of Singapore. This Agreement and any actions whatsoever taken by you in connection herewith and with any of the Services, software, tool, application or functionality, will be deemed to have been performed in Singapore.



[Last updated on 8 October 2018]


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