Terms and Condition of Use of IMG Singapore Business Centre Pte Ltd’s Internet Web Site

This website is owned by IMG Singapore Business Center Pte. Ltd. ("us", "we" or "IMG Singapore"). IMG Singapore is independent of International Marketing Group Insurance Brokers Corp (IMG Philippines).

The following Terms and Conditions of Use apply when you view or use our website located at http://imgcenter.sg. Please review the following terms carefully. By accessing or using the website, you signify your agreement to these Terms and Conditions of Use. If you do not agree to these Terms and Conditions of Use, you may not access or use the website.

ABOUT THE WEBSITE

The website allows you to find out more about IMG Singapore’s activities in Singapore. For the avoidance of doubt, this website does not promote or conduct regulated activities under the Securities and Futures Act (Cap. 289), the Financial Advisers Act (Cap. 110) and/or the Insurance Act (Cap. 142) of Singapore.

USE OF WEBSITE

The information provided on this website or in any communication containing a link to this site is meant for personal use and information purposes only to promote IMG Singapore’s activities in Singapore.

Such information is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject IMG Singapore, International Marketing Group (IMG) Insurance Brokers Corp. (“IMG Philippines”), or any subsidiary, affiliate or shareholder of IMG Philippines (together with IMG Singapore, the “IMG Group") to any registration requirement within such jurisdiction or country.

Where any opinions are expressed on this website, they are provided by IMG Singapore for personal use and for informational purposes only.

Unless otherwise stated on the product pages, the services and products on this website are intended for use by residents of Singapore only, and are not aimed at or intended for use by residents of any other jurisdiction.

This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the website through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to information on this website.

PRIVACY POLICY

IMG Singapore respects the privacy of its website users. Please refer to IMG Singapore’s Privacy Policy (found here: [insert Link to Privacy Policy]) which explains how we collect, use, and disclose information that pertains to your privacy. When you access or use the website, you signify your agreement to this Privacy Policy.

REGISTRATION; RULES FOR USER CONDUCT AND USE OF THE WEBSITE

You need to be at least 21 years old and a resident of Singapore to register for and become a member of IMG Singapore. If you are a user who signs up for membership, you will create a personalized account which includes a unique username and a password to access the website and to receive messages from IMG Singapore. You agree to notify us immediately of any unauthorized use of your password and/or account. IMG Singapore will not be responsible for any liabilities, losses, or damages arising out of the unauthorized use of your member name, password and/or account.

USE RESTRICTIONS

Your permission to use the website is conditioned upon the following Use Restrictions and Conduct Restrictions. You agree that you will not under any circumstances:

• post any information that is abusive, threatening, obscene, defamatory, libelous, or racially, sexually, religiously, or otherwise objectionable and offensive;
• use the website for any unlawful purpose or for the promotion of illegal activities;
• attempt to, or harass, abuse or harm another person or group;
• use another user’s account without permission;
• provide false or inaccurate information when registering an account;
• interfere or attempt to interfere with the proper functioning of the website;
• make any automated use of the system, or take any action that we deem to impose or to potentially impose an unreasonable or disproportionately large load on our servers or network infrastructure;
• bypass any robot exclusion headers or other measures we take to restrict access to the website or use any software, technology, or device to scrape, spider, or crawl the website or harvest or manipulate data; or
• publish or link to malicious content intended to damage or disrupt another user’s browser or computer.

POSTING AND CONDUCT RESTRICTIONS

When you create your own personalized account, you may be able to provide (“User Content”). You are solely responsible for the User Content that you post, upload, link to or otherwise make available via the website. You agree that we are only acting as a passive conduit for your online distribution and publication of your User Content. IMG Singapore, however, reserves the right to remove any User Content from the website at its discretion.

The following rules pertain to User Content. By transmitting and submitting any User Content while using the website, you agree as follows:

• You are solely responsible for your account and the activity that occurs while signed in to or while using your account;
• You will not post information that is malicious, false or inaccurate;
• You will not submit content that is copyrighted or subject to third party proprietary rights, including privacy, publicity, trade secret, etc., unless you are the owner of such rights or have the appropriate permission from their rightful owner to specifically submit such content; and
• You hereby affirm we have the right to determine whether any of your User Content submissions are appropriate and comply with these Terms and Conditions of Use, remove any and/or all of your submissions, and terminate your account with or without prior notice.

You understand and agree that any liability, loss or damage that occurs as a result of the use of any User Content that you make available or access through your use of the website is solely your responsibility. IMG Singapore is not responsible for any public display or misuse of your User Content. IMG Singapore does not, and cannot, pre-screen or monitor all User Content. However, at our discretion, we, or technology we employ, may monitor and/or record your interactions with the website.

ONLINE CONTENT DISCLAIMER

Opinions, advice, statements, offers, or other information or content made available through the website, but not directly by IMG Singapore, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. IMG Singapore does not guarantee the accuracy, completeness, or usefulness of any information on the website and neither does IMG Singapore adopt nor endorse, nor is IMG Singapore responsible for, the accuracy or reliability of any opinion, advice, or statement made by parties other than IMG Singapore. IMG Singapore takes no responsibility and assumes no liability for any User Content that you or any other user or third party posts or sends over the website. Under no circumstances will IMG Singapore be responsible for any loss or damage resulting from anyone’s reliance on information or other content posted on the website, or transmitted to users.

Though IMG Singapore strives to enforce these Terms and Conditions of Use, you may be exposed to User Content that is inaccurate or objectionable. IMG Singapore reserves the right, but has no obligation, to monitor the materials posted in the public areas of the website or to limit or deny a user’s access to the website or take other appropriate action if a user violates these Terms and Conditions of Use or engages in any activity that violates the rights of any person or entity or which we deem unlawful, offensive, abusive, harmful or malicious. IMG Singapore shall have the right to remove any such material that in its sole opinion violates, or is alleged to violate, the law or this agreement or which might be offensive, or that might violate the rights, harm, or threaten the safety of users or others. Unauthorized use may result in criminal and/or civil prosecution under Singapore law. If you become aware of misuse of our website, please contact us support@imgcenter.sg

LINKS TO OTHER SITES AND/OR MATERIALS

As part of the website, IMG Singapore may provide you with convenient links to third party website(s) (“Third Party Sites”) as well as content or items belonging to or originating from third parties (the “Third Party Applications, Software or Content”). These links are provided as a courtesy to website visitors and subscribers. IMG Singapore has no control over Third Party Sites and Third Party Applications, Software or Content or the promotions, materials, information, goods or services available on these Third Party Sites or Third Party Applications, Software or Content. Such Third Party Sites and Third Party Applications, Software or Content are not investigated, monitored or checked for accuracy, appropriateness, or completeness by IMG Singapore, and IMG Singapore is not responsible for any Third Party Sites accessed through the website or any Third Party Applications, Software or Content posted on, available through or installed from the website, including the content, accuracy, offensiveness, opinions, reliability, privacy practices or other policies of or contained in the Third Party Sites or the Third Party Applications, Software or Content. Inclusion of, linking to or permitting the use or installation of any Third Party Site or any Third Party Applications, Software or Content does not imply approval or endorsement thereof by IMG Singapore. If you decide to leave the website and access the Third Party Sites or to use or install any Third Party Applications, Software or Content, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the website or relating to any applications you use or install from the website.

COPYRIGHT COMPLAINTS

Termination of Repeat Infringer Accounts. IMG Singapore respects the intellectual property rights of others and requests that the users do the same. IMG Singapore may terminate access for participants or users who are found repeatedly to provide or post protected third party content without necessary rights and permissions.

INTELLECTUAL PROPERTY

You acknowledge and agree that IMG Singapore and our licensors retain ownership of all intellectual property rights of any kind related to the website, including applicable copyrights, trademarks and other proprietary rights. Other product and company names that are mentioned on the website may be trademarks of their respective owners. We reserve all rights that are not expressly granted to you under this Terms and Conditions of Use.

EMAIL MAY NOT BE USED TO PROVIDE NOTICE

Communications made through the website’s e-mail and messaging system, will not constitute legal notice to IMG Singapore or any of its officers, employees, agents or representatives in any situation where notice to IMG Singapore is required by contract or any law or regulation.

USER CONSENT TO RECEIVE COMMUNICATIONS IN ELECTRONIC FORM

For contractual purposes, you (a) consent to receive communications from IMG Singapore in an electronic form via the email address you have submitted; and (b) agree that all Terms and Conditions of Use, agreements, notices, disclosures, and other communications that IMG Singapore provides to you electronically satisfy any legal requirement that such communications would satisfy if it were in writing. The foregoing does not affect your non-waivable rights.

We may also use your email address, to send you other messages, including information about IMG Singapore and special offers. You may opt out of such email by changing your account settings or sending an email to support@imgcenter.sg or mail to the following postal address:

IMG Singapore Business Center Pte. Ltd.
304 Orchard Road
#04-53 Lucky Plaza
Singapore 238863

Opting out may prevent you from receiving messages regarding IMG Singapore or special offers.

WARRANTY DISCLAIMER

THE WEBSITE, IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, IMG SINGAPORE EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, REGARDING THE WEBSITE INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, ACCURACY AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, IMG SINGAPORE MAKES NO WARRANTY OR REPRESENTATION THAT ACCESS TO OR OPERATION OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR DOWNLOADING AND/OR USE OF FILES, INFORMATION, CONTENT OR OTHER MATERIAL OBTAINED FROM THE WEBSITE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF WARRANTY, SO THIS PROVISION MAY NOT APPLY TO YOU.

LIMITATION OF DAMAGES; RELEASE

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IMG SINGAPORE, ITS AFFILIATES, DIRECTORS, OR EMPLOYEES, OR ITS LICENSORS OR PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OF PROFITS, USE, OR DATA, OR FOR ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, HOWEVER ARISING, THAT RESULT FROM (A) THE USE, DISCLOSURE, OR DISPLAY OF YOUR USER CONTENT; (B) YOUR USE OR INABILITY TO USE THE WEBSITE; (C) THE WEBSITE GENERALLY OR THE SOFTWARE OR SYSTEMS THAT MAKE THE WEBSITE AVAILABLE; OR (D) ANY OTHER INTERACTIONS WITH IMG SINGAPORE OR ANY OTHER USER OF THE WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT IMG SINGAPORE HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF LIABILITY, SO THIS PROVISION MAY NOT APPLY TO YOU.

If you have a dispute with one or more users, a seller or a merchant of a product or service that you review using the website, you release us (and our officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

MODIFICATION OF TERMS AND CONDITIONS OF USE

We can amend these Terms and Conditions of Use at any time and will update these Terms and Conditions of Use in the event of any such amendments. It is your sole responsibility to check the website from time to time to view any such changes in these Terms and Conditions of Use. If you continue to use the website, you signify your agreement to our revisions to these Terms and Conditions of Use. However, we will notify you of material changes to the terms by posting a notice on our homepage and/or sending an email to the email address you provided to us upon registration. For this additional reason, you should keep your contact and profile information current. Any changes to these Terms and Conditions of Use (other than as set forth in this paragraph) or waiver of IMG Singapore’s rights hereunder shall not be valid or effective except in a written agreement bearing the physical signature of an officer of IMG Singapore. No purported waiver or modification of these Terms and Conditions of Use by IMG Singapore via telephone or email communications shall be valid.

GENERAL TERMS

If any part of these Terms and Conditions of Use is held invalid or unenforceable, that portion of these Terms and Conditions of Use will be construed consistent with applicable law. The remaining portions will remain in full force and effect. Any failure on the part of IMG Singapore to enforce any provision of these Terms and Conditions of Use will not be considered a waiver of our right to enforce such provision. Our rights under these Terms and Conditions of Use will survive any termination of these Terms and Conditions of Use.

You agree that any cause of action related to or arising out of your relationship with IMG Singapore must commence within ONE year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

These Terms and Conditions of Use are governed by the laws of Singapore and any dispute regarding this website shall be subject to the non-exclusive jurisdiction of the Singapore courts.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS OF USE, UNDERSTAND THE TERMS AND CONDITIONS OF USE, AND WILL BE BOUND BY THESE TERMS AND CONDITIONS OF USE. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS AND CONDITIONS OF USE TOGETHER WITH THE PRIVACY POLICY FOUND AT THIS LINK REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND THAT IT SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THIS AGREEMENT.