Terms & Conditions of Website Use

These terms and conditions of website use (“Terms of Use”) (together with our Privacy Policy and any other documents referred to in them) govern your use of and access to our website at https://sbo.sg (the “Website”), whether as a guest or a registered user.
This Website may be used for informational purposes only. By using the Website or downloading materials from the Website, you accept and agree to be legally bound by these Terms of Use. If you do not agree to be bound by these Terms of Use, please refrain from using the Website or downloading materials from the Website.
In addition to these Terms of Use, you may be required to agree to other terms and conditions in respect of particular services we may make available on or via the Website from time to time. In particular, your use and access to the Contents and/or Services (each term as defined in the Terms of Service) provided on or via the Website is also governed by the Terms of Service, as may be amended or updated from time to time. In the event and to the extent only of any conflict or inconsistency between such terms and conditions of service and these Terms of Use, the terms and conditions for a particular Service will prevail over these Terms of Use.
If you have any comments or questions about these Terms of Use or the Website, please contact us.
Access to our Website
Access to the Website is permitted on a temporary basis, and we reserve the right to withdraw or amend access to or use of the Website for any reason without notice. We will not be liable to you or any third party if for any reason the Website is unavailable at any time or for any period.
You are only allowed to access the Website within Singapore. Please note that you may be refused access to the Website if you attempt to access the Website from a country outside of Singapore.
Your use of the Website
You may use the Website only for lawful purposes.  You may not use the Website:
in any way that breaches any applicable law, regulation or code of practice;
(b) in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
(c) for the purpose of harming or attempting to harm minors in any way;
(d) to send, knowingly receive, upload, download, use or re-use any material which:
(i) is defamatory, obscene, hateful, discriminatory or inflammatory;
(ii) promotes violence, discrimination or illegal activity; or
(iii) infringes any intellectual property right, right of confidentiality or right to privacy;
(e) to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);
(f) to generate and/or cause congestion to our network traffic in excess of reasonable and normal usage;
(g) to cause any disruption, interference, interruption or degradation in our network, the Website or the services provided on our Website; or
(h) to knowingly transmit any data, send or upload any material that contains any viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other technologically harmful programs, data or code.
You also agree:
(a) not to reproduce, duplicate, copy or re-sell the entire or any part of the Website in contravention of these Terms of Use; and
(b) not to access without authority, interfere with, damage or disrupt:
(i) any part of the Website;
(ii) any equipment or network on which the Website is stored;
(iii) any software used in the provision of the Website; or
(iv) any equipment, network or software owned or used by any third party in connection with your use of the Website.
From time to time, we may without penalty or liability, restrict access to some parts of the Website, or the entire Website, to users who have registered with us, at our sole and absolute discretion and without providing any reasons.
If you choose, or are provided with, a user identification code, password or any other piece of information (including any Access Details as defined in the Terms of Service) as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right, without penalty or liability, to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use or in response to any threatened or perceived security risk.
You are also responsible for ensuring that all persons who access the Website through your internet connection or using your user identification details are aware of these Terms of Use, and that they comply with them.
Intellectual Property Rights in the Website
We are the owner or the licensee of the copyright and all other Intellectual Property Rights subsisting in the Website and its content. All our rights are fully and expressly reserved.
For the avoidance of doubt, “Intellectual Property Rights” mean any copyright, rights in software, rights in databases, patents and rights in inventions, trademarks, rights in domain names, designs, know-how, trade secrets and other rights in confidential information, in each case whether registered or unregistered including applications for registration and the right to apply for registration for any of the rights listed above that are capable of being registered anywhere in the world, and all other rights having equivalent or similar effect anywhere in the world.
You may print off and download extracts from the Website for your own personal non-commercial use provided that (i) you do not modify any of the content; (ii) you do not use any graphics or photographs separately from their accompanying text; and (iii) you do not remove any copyright, trademark notification or other proprietary notices (including these Terms of Use) from such extracts.
You must not use any part of the materials on the Website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our Website or its content in breach of these Terms of Use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Submission of Contributions
You are solely responsible for your own contribution (including but not limited to any text, graphics, video and/or audio content, and other materials or information) (“Submissions”), and Thinking Notes should only be seen as a passive conduit for the online publication and distribution of your Submissions.
By submitting your Submissions, you agree as follows:
(a) you will not include any content in your Submissions that is or could be unlawful, defamatory, offensive, obscene, dangerous or false, or any content that is protected by copyright or other intellectual property right, without first obtaining permission of the copyright owner or rights-holder, or any content that contains any viruses, bugs or other harmful elements;
(b) you hereby grant to Thinking Notes a perpetual, worldwide, irrevocable, non-exclusive, royalty-free and sub-licensable right and licence to use and exercise all copyright and publicity rights you have in your Submissions in any media and for any purpose;
(c) you will not assume a false identity and you will not use the Site for any unlawful or illegal activities, including but not limited to spamming, harassing or otherwise causing distress to other users.
Thinking Notes shall have the right, but not the obligation, to monitor the Submissions contributed to the Site, including comment sections, chat rooms and forums. Thinking Notes shall have the right to remove or delete any material that Thinking Notes, in its sole discretion, finds to be in violation of these terms or otherwise objectionable or inappropriate without having to assign any reason therefore. In addition, Thinking Notes reserves the right to terminate your use of the Site if we believe that you have violated our terms or for any other reason, without notice.
Reliance on information
Commentary and other materials or information posted on or otherwise made available via our Website are not intended to amount to advice on which reliance should be placed.  We do not warrant the accuracy or completeness of any information or materials on this Website or the reliability of any statement or other information displayed or distributed through the Website. We therefore exclude all liability and responsibility arising from any reliance placed on such materials or information by you, or by anyone who may be informed of any of its contents, and you acknowledge that any reliance on any such statement or information shall be at your sole risk.
You acknowledge that you have not relied on any statement, promise, warranty or representation made or given by or on behalf of us which is not set out in these Terms of Use, the Privacy Policy or any documents referred to in them. Nothing in this clause shall exclude or limit any liability for fraud or fraudulent misrepresentation.
Use of your personal data
We will collect, use, disclose and/or process any personal data we may collect from you in connection with this Website in accordance with our Privacy Policy.  You acknowledge that you have accessed and read the Privacy Policy and agree to the terms set out in it.
Our liability
This Website and the information and content contained on it are provided “as is” without any representation or endorsement made and, to the maximum extent permitted by law, without warranty, representation, guarantee, condition or assurance of any kind whether express or implied (including without limitation any warranty that the Website will be uninterrupted, available, defect-free or error-free, that the information and content contained on it is accurate, complete or of a satisfactory quality, and/or that the content contained on the Website does not infringe the Intellectual Property Rights of any third party).
To the maximum extent permitted by law, we, any of our group companies, officers, directors, employees and shareholders and agents hereby expressly exclude any and all liability for:
(a) any loss, damage or costs, whether direct or indirect, incurred or suffered by you or any third party in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, including but not limited to any pure economic loss; or any loss of or damage to your hardware, data or information;
(b) the content, information and material posted or made available on our Website;
(c) any loss or damage due to any interruption or cessation of transmission of the Website;
(d) any loss or damage due to any bugs, viruses, Trojan horses or similar malware which may be transmitted to or through the Website and the information and content contained on it by any third party;
(e) any websites linked to our Website; and
(f) any loss of any business of yours, including but not limited to loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data or waste of management or office time.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraud or fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.
The security of communications sent over the internet (including by e-mail) is subject to many factors outside of our control. We do not guarantee the security or confidentiality of any electronic communications and shall not be responsible to you for any loss or damage that you may suffer as a result of the transmission of any such communications.
We  shall have no liability for your inability to connect to or to access the Website which may result from any faults, errors or problems relating to your PC hardware, software, network or security, or your internet service provider or any other similar problem.
Suspension and termination
We will determine, in our discretion, whether there has been a breach of these Terms of Use through your use of the Website. When a breach of these Terms of Use has occurred, we may take such action as we deem appropriate.
Failure to comply with these Terms of Use may result in our taking all or any of the following actions:
(a) immediate, temporary or permanent withdrawal of your right to use or access the Website or any part of it;
(b) issue of a warning to you;
(c) legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) incurred or suffered by us resulting from your breach of these Terms of Use;
(d) further legal action against you; and/or
(e) disclosure of such information to law enforcement or regulatory authorities as we reasonably feel is necessary or as required under applicable law.
We exclude liability for actions taken in response to breaches of these Terms of Use.  The responses described in these Terms of Use are not limited, and we may take any other action we reasonably deem appropriate.
Viruses, hacking and other offences
You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You further agree not to upload or launch any automated systems or software onto or within our Website, such as “robots” or “spiders”. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of-service attack.
We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of any such breach, your right to use our Website will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect or affect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted or otherwise made available on it, or on any website linked to it.
Links from our Website
The Website may contain links to other websites and resources operated by third parties or our affiliates. These links are provided for your information only.  We have no control over the content of and the information contained in those websites or resources, and accepts no responsibility for them or for any loss or damage that may arise from your use of them. Use of such websites is subject to the terms and conditions applicable to and displayed on such websites.
Applicable law and jurisdiction
These Terms of Use and any documents referred to in them and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Singapore.
The courts of Singapore will have exclusive jurisdiction over any dispute or claim arising out of or in connection with a visit to our Website or these Terms of Use, although we expressly reserve the right to bring proceedings against you for breach of these Terms of Use in your country of residence or any other relevant country.
Changes to these Terms of Use
We may revise these Terms of Use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we have made, as they are binding on you. Some of the provisions contained in these Terms of Use may also be superseded by provisions or notices published elsewhere on our Website. Your continued access and/or use of the Website following any amendment of these Terms of Use will signify your assent to and acceptance of its revised terms.