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 [skcagency.com] website is made up of various websites and pages owned and/or operated by Soong Kok Chiod Insurance Agency, with the permission of NTUC INCOME. [skcagency.com] 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
• [skcagency.com] 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.
• [skcagency.com] 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 [skcagency.com] has reasonable grounds to suspect so, [skcagency.com] reserves the right to suspend to terminate your account and refuse you any current or future use of any of [skcagency.com] '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.
• [skcagency.com] 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 [skcagency.com] 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 [skcagency.com] websites or services for any purpose that is unlawful or prohibited by our Terms of Use. Unless otherwise specified, the [skcagency.com] 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 [skcagency.com] websites and services, or use them in any commercial manner.
• You will not use the [skcagency.com] websites or services in any manner that could damage, disable, overburden, or impair any [skcagency.com] websites and services or its network.
• You will not interfere with any other party's use and enjoyment of any [skcagency.com] websites or services.
• You will not attempt to gain unauthorized access to any [skcagency.com] websites or services, accounts, computer systems or networks connected to [skcagency.com] 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 [skcagency.com] websites or services.

• Use of Services
  The [skcagency.com] 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 [Income coop] 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 [skcagency.com] website or services or other user or usage information.

While [skcagency.com] 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.

[skcagency.com] 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.

[skcagency.com] 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. [Income coop] 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”. [skcagency.com] does not warrant the accuracy, adequacy or completeness of this website and/or the materials. [skcagency.com] 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.
• [skcagency.com] 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.
• [skcagency.com] 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 [skcagency.com] 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 [skcagency.com] 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
  [skcagency.com] 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 [skcagency.com] 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 [skcagency.com] websites and services may contain hyperlinks to third party websites. These sites are not under the control of [skcagency.com] and we are not responsible for the contents of such websites. [skcagency.com] is not responsible for any forms of transmission received from any third party websites. [skcagency.com] 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 [skcagency.com] 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. [skcagency.com] will not be liable or responsible for any part of such transactions or promotions.
• Intellectual Property
  All intellectual property rights to the [skcagency.com] 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 [skcagency.com] 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 [skcagency.com] websites and services for your personal, non-commercial use.
• Modification of Terms of Use
  [skcagency.com] 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 [skcagency.com] websites and services.
  
  All modifications to ‘skcagency.com''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
  [skcagency.com] 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 [skcagency.com] 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
  [skcagency.com] reserves the right to suspend to terminate your account and refuse you any current or future use of any of [skcagency.com] websites or services in our sole discretion, without any notice, for any reason whatsoever, including but without limitation if [skcagency.com] believes that you have breached or acted inconsistently with the Terms of Use.
  
  [skcagency.com] will not be liable in any way to you or any third party for any termination of your access to [skcagency.com] websites and/or services.
• Governing Law
  By accessing [skcagency.com] 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.