Terms of Use

THESE TERMS OF USE DESCRIBE YOUR RESPONSIBILITIES AND OBLIGATIONS IN USING THIS CREDIT COUNSELLING SINGAPORE WEBSITE (“WEBSITE”).

PLEASE READ CAREFULLY ALL OF THE FOLLOWING TERMS AND CONDITIONS BEFORE PROCEEDING.

IMPORTANT - PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE AND/OR USING THE ONLINE SERVICES, YOU AGREE TO ABIDE BY THESE TERMS OF USE, THE PERSONAL DATA PROTECTION POLICY AND THE PRIVACY AND COOKIES POLICY, AND TO BE LEGALLY BOUND BY THEM.  IF YOU DO NOT ACCEPT ANY OF THESE TERMS OR CONDITIONS, YOU MUST IMMEDIATELY DISCONTINUE YOUR ACCESS OF THIS WEBSITE AND/OR USE OF THE ONLINE SERVICES. 

AMENDMENTS TO TERMS AND CONDITION

Credit Counselling Singapore (“CCS”) 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 CCS makes a reasonable effort to ensure that the content of the Website is accurate and current, CCS 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.

CCS, 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, CCS 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 CCS will make a reasonable effort to ensure that the Website remains available and accessible to the public, CCS 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 that are not under our control. CCS 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 CCS' endorsement of any of the linked websites or any association with such websites or their operations. The links are provided for your convenience only and CCS 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 CCS 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 CCS 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.

CONTENT AND USAGE OF WEBSITE

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 CCS, 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 intended for non-commercial personal use only and 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 or for commercial benefit 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 CCS. 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:

  • 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;

  • Impersonate any person or entity, or falsely state or otherwise represent your affiliation with a person or entity;

  • 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);

  • 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;

  • 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;

  • 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

  • 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 CCS.

CCS 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 CCS 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 CCS. Any unauthorised use terminates the permission or license granted by CCS.

You agree that you will not, without CCS’ 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 CCS. 

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.ccs.org.sg, respectively), you hereby grant to CCS 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 testimonials on CCS’ services, ideas, concepts, know-how or any intellectual property contained therein, which you provide on or through the Website or which is sent to CCS by email or other correspondence. You warrant that you have the right to grant the license as set out above.

CCS shall not be bound by any obligations of confidentiality in respect of any such information or Content disclosed to CCS 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 CCS, 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 CCS 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 AND ACCOUNT SECURITY

Registration Data

In consideration of your use of our serviced, including without limitation the “Info Talk on Debt Management”, 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 CCS 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 CCS 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 CCS has grounds to suspect that such information is untrue, inaccurate, not current or incomplete, CCS may suspend or terminate your account and refuse any and all current or future use of the Website (or any parts thereof).

Registered User, Account, Password and Security

If you are a registered user, you will create a password upon completing the Website’s registration process. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password and/or account.

You agree to:

  1. notify CCS immediately of any unauthorised use of your password or account or any other breach of security, and;

  2. ensure that you exit from your account at the end of each session.

CCS will not be liable for any direct or indirect loss and/or damage arising from your failure to comply with this Clause.

VARIATION / TERMINATION OF SERVICES

CCS 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

CCS 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 CCS'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

CCS [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 CCS 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 CCS, 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 CCS in enforcing its respective rights will restrict or prejudice the rights of CCS, 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 CCS, 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 CCS 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 CCS unless executed by CCS in writing and published on the Website.