Terms of Use

Last updated on 1 July 2020

The website https://sg.aspireapp.com (the “Website”) is maintained and operated by Aspire Financial Technologies Pte. Ltd. (the “Company”). References to Aspire in this Terms of Use refers to the Company.

The following Terms of Use shall apply to your use of the Website and the services provided on it (the “Platform”).

1. ACCEPTANCE OF TERMS

1.1. Aspire owns and operates this Platform and our sub -domains.

1.2. Your use of this Platform is subject to these Terms of Use. By using the Platform, you are deemed to have accepted and agree to be bound by these Terms of Use. We may make changes to these Terms of Use from time to time. We may notify you of such changes by any reasonable means, including by posting the revised version of these Terms of Use on the Platform. Your use of the Platform following changes to these Terms of Use will constitute your acceptance of those changes.

2. ABILITY TO ACCEPT TERMS OF USE

2.1.  You  affirm  that  you  are  either  more  than  18  years  of  age,  or  possess  legal  parental  or  guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Use, and to abide by and comply with these Terms of Use.

3. PLATFORM ACCESS

3.1.  You  are  responsible  for  all  access  to  the  Platform  using  your  credentials.  All  instructions,  actions or notifications carried out or communicated by you via the Platform shall be deemed to be yours, even if the access is by another person.

3.2. We will use reasonable efforts to ensure that the Platform is available at all times. However, we  cannot  guarantee  that  the  Platform  or any  individual  function  or  feature  of  the  Platform  will  always be available and/or error free. The Platform may be unavailable during periods when we are implementing upgrades or carrying our essential maintenance on the Platform.

4. ACCESS TO PLATFORM OUTSIDE OF SINGAPORE

4.1. We make no promise that the materials on the Platform are appropriate or available for use in  locations  outside  Singapore.  Accessing  the  Platform  from  territories  where  its  contents  are  illegal or unlawful is prohibited. If you choose to access the Platform from elsewhere, you do so on your own initiative and are responsible for compliance with local laws.

5. YOUR USE OF THE PLATFORM

5.1. Your permission to use the Platform is personal to you and non-transferable. Your use of the Platform is conditional on your compliance with the rules of conduct set forth in these Terms of Use and you agree that you will not:

a) Use the Platform for any fraudulent or unlawful purpose;

b) Use the Platform to defame, abuse, harass, stalk, threaten or otherwise violate the rights of others, including without limitation others’ privacy rights or rights of publicity;

c) Impersonate any person or entity, false state or otherwise misrepresent your affiliation with any person or entity in connection with the Platform or express or imply that we endorse any statement you make;

d) Interfere with or disrupt the operation of the Platform or the servers or networks used to make the  Platform  available  or  violate  any  requirements,  procedures,  policies  or  regulations  of  such  networks;

e) Transmit or otherwise make available in connection with the Platform any virus, worm or other computer code that is harmful or invasive or may or is intended to damage the operation of, or to monitor the use of, any hardware, software, or equipment;

f) Reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Platform;

g)  Modify,  adapt,  translate,  reverse  engineer,  decompile  or  disassemble  any  portion  of  the  Platform.  If  you  wish  to  reverse  engineer  any  part  of  the  Platform  to  create  an  interoperable  program you must contact us and we may provide interface data subject to verification of your identity and other information;

h)  Remove  any  copyright,  trade  mark  or  other  proprietary  rights  notice  from  the  Platform  or  materials originating from the Platform;  

i) Frame or mirror any part of the Platform without our express prior written consent;

j) Create a database by systematically downloading and storing Platform content;

k)  Use  any  manual  or  automatic  device  in  any  way  to  gather  Platform  content  or  reproduce  or  circumvent  the  navigational  structure  or  presentation  of  the  Platform  without  our  express  prior  written  consent.  Notwithstanding  the  foregoing,  we  grant  the  operators  of  public  online  search  engines limited permission to use search retrieval applications to reproduce materials from the Platform for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of such materials solely in connection with each operator's public online search service.

5.2. We reserve the right to revoke these exceptions either generally or in specific instances.

6. THIRD PARTY WEBSITES

6.1.  The  Platform  may  provide  links  to  other  websites  and  online  resources.  We  are  not  responsible  for  and  do  not  endorse  such  external  sites  or  resources.  Your  use  of  third  party  websites and resources is at your own risk.

6.2. You may create a link to this Platform, provided that:

a) The link is fair and legal and is presented in a way that is:

(i) Not misleading or could suggest any type of association, approval or endorsement by us that does not exist, or

(ii) Not harmful to our reputation or the reputation of any of our affiliates;

b)  You  retain  the  legal  right  and  technical  ability  to  immediately  remove  the  link  at  any  time,  following a request by us to do so.

6.3.  We  reserve  the  right  to  require  you  to  immediately  remove  any  link  to  the  Platform at  any  

time and you shall immediately comply with any request by us to remove any such link.

7. INTELLECTUAL PROPERTY

7.1. The intellectual property rights in the Platform and all of the text, pictures, videos, graphics, user interfaces, visual interfaces, trademarks, logos, applications, programs, computer code and other  content  made  available  on  it  are  owned  by  us  and  our  licensors.  You  may  not  print  or  otherwise make copies of any such content without our express prior permission.

8. LIMITATION OF LIABILITY

8.1. We provide the Platform on an “as is” basis and make no representations as to the quality, completeness or accuracy of any content made available on the Platform. To the maximum extent permitted by law, we expressly exclude: a) All conditions, warranties and other terms that might otherwise by implied by law into these Terms of Use; and b) Any and all liability to you, whether arising under these Terms of Use or otherwise in connection with your use of the Platform.

8.2. The foregoing is a comprehensive limitation of liability that applies to all damages of any kind, including  (without  limitation)  compensatory,  direct,  indirect  or  consequential  damages,  loss  of  data, income or profit, loss of or damage to property and claims of third parties. Notwithstanding the foregoing, nothing in these Terms of Use is intended to exclude or limit any liability that may not by law be excluded or limited, and in particular none of the exclusions and limitations in this clause  are  intended  to  limit  any  rights  you  may  have  as  a  consumer  under  Singapore  law  or  statutory rights which may not be excluded, nor in any way to exclude or limit (site owner) liability to  you  for  death  or  personal  injury  resulting  from  our  negligence  or  that  of  our  employees  or  agents.

9. COLLECTION OF PERSONAL INFORMATION  

9.1. We may collect and use information about you in accordance with our privacy policy. You can view a copy of this policy by clicking on the Privacy Policy link at the bottom of the Platform.

10. DURATION OF TERMS

10.1. These Terms of Use are effective until terminated. We may, at any time and for any reason, terminate your access to or use of the Platform. If we terminate your access to the Platform you will not have the right to bring claims against us or our affiliates with respect to such termination. We and our affiliates shall not be liable for any termination of your access to the Platform.

11. GOVERNING LAW  

11.1.  These  Terms  of  Use  will  be  governed  by  and  construed  in  accordance  with  the  laws  of  Singapore, and  the  courts  of  Singapore  will  have  non-exclusive  jurisdiction  over  any  claim  or  dispute arising under or in connection with these Terms of Use.