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NOTICE:
Please read the following terms and conditions carefully.
By accessing this website and its pages, you agree to be bound by the terms and
conditions below. If you do not agree to the terms and conditions below, do not
access this site or any pages thereof.
The [income.com.sg] website is made up of various websites and pages owned and/or
operated by NTUC INCOME. [income.com.sg] currently provides users access to a large
collection of online resources, including various communication tools, online
forums, commercial services, government services, personalised content and information.
Certain sections or pages on this website may contain separate terms and conditions,
which are additional to these terms and conditions. In the event of a conflict,
the additional terms and conditions will prevail for those sections or pages.
- Member Account, Password and Security
- [income.com.sg] requires you to register and open an account to enjoy the services
provided by us. You are required to provide us with your current, complete, accurate
and true personal information during registration as prompted by the applicable
registration form. You then will choose a password and a user name.
- [income.com.sg] also requires you to maintain and promptly update your registration
data to keep it true, accurate, current and complete. If you provide any information
that is untrue, inaccurate, nor current or incomplete, or [income.com.sg] has reasonable
grounds to suspect so, [NTUC Income] reserves the right to suspend to terminate
your account and refuse you any current or future use of any of [NTUC Income]'s
services.
- You are entirely responsible for maintaining the confidentiality of your
password and account. Furthermore, you are entirely responsible for any activities
that occur under your account. You agree to (a) notify us immediately of any
unauthorised use of your account or any other breach of security; and (b) ensure
that you log out of your account at the end of each session.
- [income.com.sg] will not be liable for any loss that you may incur as a result
of a third party using your password or account, either with or without your
knowledge. However, you could be held liable for losses incurred by [NTUC Income]
or another party due to someone else using your account or password. You may
not use anyone else's account at any time, without the permission of the account
holder.
- Privacy and Protection of Personal Information
- Please see our Privacy Policy for disclosures relating to the collection
and use of your personal information.
- User's Conduct
You will not use the [NTUC Income] websites or services for any purpose that
is unlawful or prohibited by our Terms of Use. Unless otherwise specified, the
[NTUC Income] sites and services are for your personal and non-commercial use
only. In addition, but without limitation:
- You may not copy, modify, transmit, distribute, reproduce, publish, perform
or sell any information, materials, products or services obtained from the [Income
coop] websites and services, or use them in any commercial manner.
- You will not use the [NTUC Income] websites or services in any manner that
could damage, disable, overburden, or impair any [NTUC Income] websites and services
or its network.
- You will not interfere with any other party's use and enjoyment of any [Income
coop] websites or services.
- You will not attempt to gain unauthorized access to any [NTUC Income] websites
or services, accounts, computer systems or networks connected to [NTUC Income]
websites or services, through hacking, password mining or any other means.
- You will not attempt to obtain any materials or information through any means
not intentionally made available through the [NTUC Income] websites or services.
- Use of Services
The [NTUC Income] websites and services may contain e-mail services, notices,
bulletin boards, communities, chat areas, news groups, forums and/or other communication
facilities. You agree to use these communication facilities only to post, send
and receive messages and material that are proper and not offending in any manner.
You will not:
- Use the communication facilities in connection with surveys, contests, pyramid
schemes, chain letters, junk emails, spams or any duplicative or unsolicited
messages (commercial or otherwise);
- Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights
(such as rights of privacy and publicity) of others.
- Publish, post, upload, distribute or disseminate any inappropriate, profane,
defamatory, obscene, indecent or unlawful topic, name, material or information.
- Publish, post, upload, distribute or disseminate any topic, name, material
or information that incites discrimination, hate or violence towards one person
or a group because of their belonging to a race, a religion or a nation.
- Upload, or otherwise make available, files that contain images, photographs,
software or other material protected by intellectual property laws, including,
for example, copyright or trademark laws (or by rights of privacy or publicity)
unless you own or control the rights thereto or have received all necessary consents
to do the same.
- Use any material or information, including images or photographs, which is
made available through the [NTUC Income] websites or services in any manner that
infringes any copyright, trademark, patent, trade secret, or other proprietary
right of any party.
- Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots,
corrupted files, or any other similar software or programs that may damage the
operation of another's computer or property of another.
- Use of meta tag searchs on the web sites.
- Advertise or offer to sell or buy any goods or services for any business
purpose, unless such communication facilities specifically allow such messages.
- Download any file posted by another user of the communication facilities
that you know, or reasonably should know, cannot be legally distributed in such
manner.
- Falsify or delete any author attributions, legal or other proper notices
or proprietary designations or labels of the origin or source of software or
other material contained in a file that is uploaded.
- Restrict or inhibit any other user from using and enjoying the communication
facilities.
- Violate any code of conduct or other guidelines which may be applicable for
any particular communication facilities.
- Harvest or otherwise collect information about others, including e-mail addresses.
- Violate any applicable laws or regulations.
- Create a false identity for the purpose of misleading others.
- Use, download, copy, or provide (whether or not for a fee) to a person any
directory of users of the [NTUC Income] website or services or other user or
usage information.
While [NTUC Income] has no obligation to monitor the communication facilities,
we reserve the right to review materials posted using the communication facilities
and to remove any materials in our sole discretion.
[NTUC Income] also reserves the right to terminate your access to any or all
of the communication services at any time, without any notice, for any reason
whatsoever.
[NTUC Income] further reserves the right to disclose any information as we
deem necessary to satisfy any applicable law, regulation or legal process, or
to edit, remove, or refuse to post any information or materials in our sole discretion.
[NTUC Income] specifically disclaims any liability with regard to the communication
facilities and any actions resulting from your utilising any of the communication
facilities.
- No Warranty
- This website and all information and materials found on the website are provided “as
is” and “as available”. [NTUC Income] does not warrant the accuracy, adequacy
or completeness of this website and/or the materials. [NTUC Income] expressly
disclaims liability for errors or omissions in the information and materials.
- No warranty of any kind, implied, express or statutory, including but not
limited to the warranties of non-infringement of third party rights, title, merchantability,
satisfactory quality and/or fitness for a particular purpose, is given in conjunction
with the materials and/or this website.
- [NTUC Income] does not warrant that any of the materials or that this website
will be timely provided, uninterrupted or free from errors or that any identified
defect will be corrected.
- [NTUC Income] does not further warrant that this website and the materials
are free from any virus or other malicious, destructive or corrupting code, programme
or macro.
- No advice or information obtained by you from [NTUC Income] websites or services
shall create any warranty unless expressly stated in the Terms of Use.
- Any material downloaded or otherwise obtained through the use of [Income
coop] websites and services is done at your won discretion and risk and you will
be sole responsible for any damage to you computer system or loss of data that
results from the download of any such material.
- Exclusion of liability
[NTUC Income] shall in no event be liable for any damages, loss or expense including
without limitation, direct, indirect, special, or consequential damage, or economic
loss arising from or in connection with:
- any access, use or the inability to access or use the [NTUC Income] websites
or services, or reliance on the materials and/or any information in the websites;
- any system, server or connection failure, error, omission, interruption,
delay in transmission, or computer virus; and
- any use of or access to any other websites linked to this website
- Links to Third Party Websites
The [NTUC Income] websites and services may contain hyperlinks to third party
websites. These sites are not under the control of [NTUC Income] and we are not
responsible for the contents of such websites. [NTUC Income] is not responsible
for any forms of transmission received from any third party websites. [Income
coop] is providing these links to you only as a convenience. The inclusion of
any link does not imply endorsement by Microsoft of the site or any association
with its owners or operators.
Any dealings with third parties included within the [NTUC Income] websites and
services or participating in promotions and transactions, and any other terms
and conditions associated with such transactions are solely between you and the
third party. [NTUC Income] will not be liable or responsible for any part of
such transactions or promotions.
- Intellectual Property
All intellectual property rights to the [NTUC Income] websites and services,
including but without limitation to, copyright, trade marks, registered or unregistered
service marks and logos are owned by ‘Income coop', its strategic partners or
licensors. No parts may be reproduced, distributed, adapted, modified, republished,
displayed, transmitted, broadcast or hyperlinked in any manner or stored in an
information retrieval system by any means.
You may not insert a hyperlink to this website on any other website. The name
of [NTUC Income] may not be used in any way, including advertising or publicity
pertaining to the material on this webiste
However you may download and print the materials and information found on the
[NTUC Income] websites and services for your personal, non-commercial use.
- Modification of Terms of Use
[NTUC Income] reserves the right to modify and make changes to the Terms of Use,
including but not limited to the fees and charges relating to your use of the
[NTUC Income] websites and services.
All modifications to ‘Income coop''s Terms of Use will be reflected by the posting
of the amended terms and conditions on our website. In addition, if there is
a material change in our Terms of Use, we will indicate on our sites that our
terms and conditions have changed and provide a link to the new Terms of Use.
- Modification of Websites and Services
[NTUC Income] reserves the right at any time and from time to time to modify
or discontinue, temporarily or permanently, any of its websites and services
with or without notice. You agree that [NTUC Income] will be be liable or responsible
in any way to you or to any third party for any modification, suspension or discontinuance
of the websites and services.
- Termination
[NTUC Income] reserves the right to suspend to terminate your account and refuse
you any current or future use of any of [NTUC Income] websites or services in
our sole discretion, without any notice, for any reason whatsoever, including
but without limitation if [NTUC Income] believes that you have breached or acted
inconsistently with the Terms of Use.
[NTUC Income] will not be liable in any way to you or any third party for any
termination of your access to [NTUC Income] websites and/or services.
- Governing Law
By accessing [NTUC Income] websites and services, you agree that Singapore law
shall govern such access as well as the above terms and conditions. You further
agree to submit to the exclusive jurisdiction of the Singapore courts.
- Third Parties Rights
No person shall have any right pursuant to the Contracts (Right of Third Parties)
Act 2001 to enforce any of the above terms and conditions.
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