Financial Management Toolkit Terms of Use and Privacy Notice General
By accessing this website or using the SME Toolkit Portal (refers to “online tools”), you acknowledge and accept all terms and conditions provided on this website. These Terms of Use govern all access to this website and online tools, both presently and in the future. If you do not accept any of these terms, please promptly exit the website.
You acknowledge that references to “ABS” “we”, “our” and/or “us” refers to Association of Bank of Singapore.
ABS may at anytime discontinue, temporarily or permanently, our Website, or any part thereof, with or without notice. You agree that you do not have any rights in SME Toolkit Portal and that ABS will have no liability to you or to any third-party whatsoever should our Website be modified, suspended, discontinued or your ability to access our Website is terminated.
ABS will amend these Terms of Use from time to time and the updated versions will be posted on our Website and date stamped so that you are aware of when the Terms of Use was last updated. ABS encourage all users to periodically review this page for the latest information on our Website Terms of Use. Continued access or use of our Website following the posting of changes to these Terms of Use shall constitute your consent to such changes.
1. Copyright & Ownership
- Except as otherwise expressly stated, the copyright and all other intellectual property in the contents of this website (including, but not limited to, all design, layout, text, images, photographs links, search engines) are the property of The Association of Banks of Singapore (ABS) and its supporting partners Enterprise Singapore and RSM Corporate Advisory Pte Ltd. They may not be used, reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the express written permission and consent of ABS.
- Save and except with the ABS’s prior written consent, you may not insert a hyperlink to this website or any part thereof on any other website or "mirror" or “frame” this website, any part thereof, or any information or materials contained in this website on any other server, website or webpage.
- All trademarks, service marks, logos used in this website are the property of ABS and/or the respective third-party proprietors identified in this website.
- No license or right is granted to you and your access to this Website and/or use of the online tools and services should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any of the Contents without the prior written consent of ABS or the relevant third-party owner of the proprietary right thereof.
- You may use, copy and distribute the Contents found on this Website solely for personal, internal, non-commercial and/or informational purposes only. You may download one copy of any information provided on this Website onto a computer for your own personal and non-commercial use provided that you keep intact all accompanying copyright and other proprietary notices. Modification or use of the material on this site for any purpose violates ABS's legal rights.
- Modification of any of the Contents or use of the Contents for any other purpose will be a violation of ABS' copyright and other intellectual property rights. Graphics and images on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective copyright owners.
2. Disclaimer
- The information and materials on this website are for general information only. Note that ABS is not involved in giving professional advice. The website may not cover all information available on a particular issue. ABS advises that users conduct their own checks or obtain relevant professional advice outside this website.
- The contents of this Website, (including but not limited to the “online tools and calculators”), are provided on an "as is" and “as available” basis without warranties of any kind and are of a general nature.
- While every effort is made to ensure that the contents herein are consistent with existing law and business practice, you are advised to refer to the relevant legislation and you should always seek professional advice before making any decision based on any such information or materials. Neither ABS nor any third-party content providers is responsible for any errors or omissions, or for the results obtained from the use of the information and material in this Website or the tools contained in this Website.
- Neither ABS nor any third-party content providers warrants:
- the truth, accuracy, adequacy, reliability, completeness, reasonableness, currency or timeliness, of the Contents contained in or accessed through this Website and expressly disclaims liability for any errors in or omissions from, the Contents of the Website; and
- that the Contents available through this Website or any functions associated therewith will be uninterrupted or error-free, or that defects will be corrected or that this Website and the server is and will be free of all viruses and/or other malicious, destructive or corrupting code, macro or program.
- No warranty of any kind, express, implied or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose and freedom from computer virus), is given in conjunction with the contents of this Website, the tools contained in this Website or this Website in general.
- Under no circumstances shall the ABS be liable regardless of the form of action for any failure of performance, system, server or connection failure, error, omission, interruption, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your accessing this website and/or using the online services even if ABS had been advised as to the possibility.
- Neither ABS nor any third-party content providers shall be liable for damages, expenses, costs or loss of any kind (including without limitation any direct, or indirect, special, incidental or consequential damages, loss of profits or loss opportunity) howsoever caused as a result (direct or indirect) of, or in connection with, your use of this Website, or reliance on any information, materials, tools or online services provided in or available from this Website, regardless of the form of action.
3. Confidentiality and Privacy of Information
- The use of this website contents and online tools are subject to successful online registration with a valid email address and other non-sensitive personal information. The information captured shall NOT be shared with any external parties, unless required are compelled by law to do so. ABS may use the information gathered for general statistical analysis of website usage such as which pages are most frequently visited, how many visitors this website receives daily, and how long visitors stay on each page.
- ABS may collect and use the following kinds of personal information:
- Information about your use of this website
- Information that you provide using for the purpose of registering with the website (including valid email and non-sensitive personal information).
- Information about transactions carried out over this website (including statistical usage).
- Information that you provide for the purpose of subscribing to the website services (including comments; and)
- any other information that you may send to ABS
- The use of this website and online tools are subject to the successful online registration with a valid email address and other non-sensitive personal information.
- ABS may use your non sensitive personal information to:
- personalize the website for you;
- enable your access to and use of the website services;
- Statistical analysis of website usage.
- ABS will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.
- ABS will store all the non-sensitive personal information you provide on its secure servers.
- Information relating to electronic transactions entered into via this website will be protected by encryption technology and governed by the terms and conditions set forth by the online gateway.
- ABS reserves the right to purge any user data that may cause degradation of server/or and database performance during periodic maintenance. Users are required to perform the necessary record keeping or data backup accordingly.
4. Right of Access / Restricted Access
- Access to certain areas of this website is restricted. ABS reserves the right to restrict access to other areas of this website, or indeed this entire website, at ABS’s discretion.
- If ABS provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.
- ABS may disable your user ID and password in ABS’s sole discretion without notice or explanation.
- ABS reserves all rights to deny or restrict access to this Website to any particular person, or to block access from a particular Internet address to this Website, at any time, without having to give any reason or prior notice thereof
5. ACCEPTABLE USE
We grant you permission to access and use our Website for your personal, non-commercial use. You must not:
- republish, edit or otherwise modify any material from our Website;
- sell, rent or sub-license material from our Website;
- reproduce, duplicate, copy or otherwise exploit material on our Website for a commercial purpose;
- upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
- use our Website in any way that causes, or may cause, damage to our Website or impairment of the availability or accessibility of our Website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
- use our Website to copy, store, host, transmit, send, use, publish or distribute any material which consists of or is linked to any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;
- conduct any systematic or automated data collection activities (including, without limitation, scraping, data mining, data extraction and data harvesting) on or in relation to our Website;
- attempt to gain unauthorized access to our Website, other accounts, computer systems or networks connected to any of our servers through hacking, password mining or any other means; and
- obtain or attempt to obtain any materials or information through any means not intentionally made available through our Website.
6. REGISTRATION, PASSWORD AND SECURITY
6.1 Access to certain areas of our Website is restricted to subscribers. We reserve the right to restrict access to other areas of our Website, or whole Website, at our discretion.
6.2 If any portion of our Website requires you to register or open an account, you must: (a) provide us with accurate, current and complete registration information as prompted by our Website's registration form ("Registration Form") and (b) maintain and promptly update the information in the Registration Form to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of our Website and related services (or any portion thereof).
6.3 Your registration constitutes consent to use any personal information which you provide us in such registration for the purposes set out in our Privacy Statement and for all uses ancillary thereto for which your consent may reasonably be implied.
6.4 If we provide you or if you generate a user ID and password to enable you to access restricted areas of our Website or other content or services, you must ensure that the password is kept confidential. You must notify us in writing immediately if you become aware of any unauthorised use of your account or password.
6.5 You are responsible for any activity on our Website arising out of any failure to keep your password confidential and you may be held liable for any losses arising out of such a failure. We cannot and will not be liable for any loss or damage arising therefrom.
7. Hyperlinks
For your convenience, ABS may include hyperlinks to websites on the Internet that are owned or operated by third parties. Such linked websites are not under the control of the ABS and ABS cannot accept responsibility for the contents of or the consequences of accessing any linked website or any link contained in a linked website. Furthermore, the hyperlinks provided in this website shall not be considered or construed as an endorsement or verification of such linked websites or the contents therein by ABS. You agree that your access to and/or use of such linked websites is entirely at your own risk and subject to the terms and conditions of access and/or use contained therein.
8. Breaches of these terms and conditions
Without prejudice to ABS’s other rights under these terms and conditions, if you breach these terms and conditions in any way, ABS may take such action as ABS deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
9. INDEMNITY
9.1 You hereby indemnify us and our affiliates, officers, agents, partners, and employees and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including, without limitation, legal expenses and any amounts paid by us to a third-party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of the Content you submit, post to or transmit through our Website, your access or use of our Website, your violation of any of these Terms of Use, or your violation of any rights of another. This obligation will survive any termination of your use of our Website.
10. Enforcement of copyright
- ABS takes the protection of its copyright very seriously.
- If ABS discovers that you have used its copyright materials in contravention of the license above, ABS may bring legal proceedings against you seeking monetary damages and an injunction to stop you using those materials.
- If you become aware of any use of ABS’s copyright materials that contravenes or may contravene the license above, please report this by email to enquiries@abs.org.sg.
11. Infringement of material
If you become aware of any material on the website that you believe infringes your or any other person's copyright, please report this by email to enquiries@abs.org.sg.
12. 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.
13. Governing Law
Your access to or use of our Website, as well as these Terms of Use shall be governed by, and construed in accordance with Singapore laws and you agree to submit to the exclusive jurisdiction of the Singapore courts. Any action whatsoever taken by you in connection our Website, its software, tool, application or functionality, will be deemed to have been performed in Singapore.
14. Reasonableness
- By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
- If you do not think they are reasonable, you must not use this website.
15. Updates
ABS may update this terms and privacy policy by posting a new version on this website. You should check this page periodically to ensure you are familiar with any changes
16. Contact
If you have any questions regarding these terms and conditions, you should contact ABS by writing to enquiries@abs.org.sg.