Terms Of Use
Hello! Please take the time to properly read these terms. You acknowledge that you have read, comprehended, accepted, and agreed to the Terms of Use by using the Service (as described below). Additionally, you agree with the claims expressed below by Your kind self. Please avoid using our websites, apps, or services if You disagree with them or if You fall within terms of use and want to discontinue using the service.
This Terms of Use Policy applies to our customers, users, agents, associates, suppliers, vendors, partners, contractors and service providers (collectively “You”, “Your” and “Yours”). The Terms of Use stated herein (collectively, the “Terms of Use” or this “Agreement”) binds You and SC POWER (Company No. 202116898G) (the “Company”). By using the Website, Mobile Application or Service supplied to You by the Company (the “Application”), and downloading, installing or using any related software supplied by the Company (the “Software”), which general purpose is to allow individuals seeking financial products and services to be matched with third party financial service companies, financial service agents, financial service brokers, financial institutions and/or other financial services product intermediaries (collectively, the “Service”), You hereby specifically allow and agree to be bound by, and, where applicable, grant Your consent to the collection, use, and disclosure of Your Personal Data by us, under these Terms of Use, and any upcoming amendments and additions to the Terms of Use as available on our websites from time to time.
Unless otherwise indicated, the terms described in these Terms of Use shall use to this document only, and terms expressed in other documents, which regulate our bond with You, do not apply in these Terms of Use.
The Company reserves the right to alter, modify and change the Terms of Use or its guidelines relating to the Service at any time as it deems fit. Such revisions, modifications and or changes to the Terms of Use or its guidelines concerning to the Service shall be effective upon the posting of an revised version on our websites. You agree that it shall be Your obligation to evaluate the Terms of Use frequently whereupon the continued use of the Service after any such amendments, whether or not evaluated by You, shall represent Your approval and acknowledgement to such changes.
The Company is a technology company that does not provide financial services and is not a financial services provider. These financial services are provided by other third party financial services providers and the ultimate outcome belongs to You in whether to accept their proposal of financial services. The service of the Company is to link You with such third party financial services providers but it does not and is not meant to provide financial services or any legal action that can be construed in any way as an act of a financial services provider. The Company is not accountable or responsible for the acts and/or exceptions of any third party financial services provider and/or any financial services provided to You.
How SC Power Works
The Company is a technology consulting business that helps financial service brokers in evaluating the prices of banking products and numerous general financial service in Singapore offered to their clients in Singapore. The Business works with third party financial service companies, financial service agents, , financial service brokers, financial institutions and/or other financial services product intermediaries in Singapore who offer us with their product specifications, prices and any other pertinent information to support the efforts of financial service brokers (each a “Financial Services Provider”, and collectively, the “Financial Service Providers”).
When You use our Application or Software to analyze and comprehend the banking products made available and different financial service You may be invited to give certain Personal Information (as defined in our Privacy Notice) and other pertinent information. When You accept these Personal Information and other important data, Your Personal Data shall be revealed and sent to a Financial Service Provider who will email You and seek out Your consent to help You in the understanding and application of such financial service and banking products. We are not engaged in any conversations and negotiations between You and the Financial Services Provider or in the placement or acquisition of any financial service product or service.
The Company delivers services through the use of its Application and Software at no expense to the user. The Company’s primary source of income is from fees obtained from Financial Service Providers when they have successfully helped You in attaining a financial service or banking product from the Financial Service Provider.
The data supplied through our Application and Software that is linked to any service or product supplied by the Financial Service Providers is based on data and information we get from the Financial Service Providers and any data You have input into the Application and/or Software. You accept and warrant that the data You provide is true, accurate and completed. The Company shall not be accountable to You in any way if You supply us with data that is not true, not accurate and/or not completed.
When You make a decision to acquire a service or product from a Financial Services Provider, You are participating into an arrangement with the Financial Services Provider, and not with the Company. Consequently, the Company does not have any obligation or liability for the purchase, the quality or suitability of the services or product or the settlement that You join into with the Financial Services Provider.
User Representation and Warranties
By using the Service, You clearly represent and guarantee that You are legally eligible to agree and accept to the Terms of Use and that You are at least eighteen (18) years old. Not including restricting the generality of the foregoing, the Service is not offered to persons under the age of eighteen (18) or such persons that are prohibited for any reason whatsoever to enter into a contractual relationship.
By utilizing the Service, You further warrant and represent that You have the right, capacity and authority to use the Service and to accept by the Terms of Use. You further verify that all the data which You give shall be true, accurate and complete. Your usage of the Service is for Your own sole, personal use. You accept not to permit others to use Your personality or user status, and You may not assign or otherwise transfer Your user account to any other person or individual. When using the Service, You come to an agreement to obey with all applicable laws whether in Your home nation or otherwise in the country, state and city in which You are present while using the Service.
You may only gain access to the Service using legal means. The Company is not accountable if You do not have a compatible device or if You have downloaded the wrong version of the Software to Your device. The Company reserves the just not to allow You to use the Service should You use the Application and/or the Software with an incompatible or unapproved device or for reasons other than the purposes for which the Software and/or the Application is meant to be used.
By using the Software or the Application, You approve that:
- You will only use the Service for legal purposes;
- You will only use the Service for the intention for which it is expected to be used;
- You will not use the Application for storing or sending any prohibited material or for fraudulent purposes;
- You will not use the Application and/or the Software to cause annoyance, nuisance, problem or make fake submissions;
- You will not use the Service, the Application and/or the Software for objectives other than acquiring the Service;
- You shall not purposefully or unintentionally cause or attempt to cause harm to the third party services provider;
- You will not try to harm, including causing or letting any unlawful entry to or unlawful alteration of, the Service, the Application and/or the Software in any way whatsoever;
- You will not copy, or disseminate the Software or other content with no written authorization from the Company;
- You will only utilize the Application and/or the Software for Your own use and will not resell it to a third party or replicate any part of it whether for industrial advantage or otherwise;
- You shall not utilize any means to defraud the Company or enrich Yourself, through any means, whether fraudulent or otherwise, through any event, campaign or promotion introduced by the Company to promote new subscription or handling of the Service by new or existing users;
- You shall not trigger a nuisance or behave in an unacceptable or disrespectful way towards the Company or the third party services provider whatever of any misgivings that You may have opposed to the Company or the third party services provider;
- You shall not weaken or circumvent the appropriate operation of the network which the Service operates on;
- You agree that the Service is provided on a satisfactory effort basis; and
- You agree that Your usage of the Service will be subject to the Company’s Privacy Notice as may be revised from time to time.
- You are accountable for ensuring and checking the usefulness, suitability, quality, availability and adequacy of the services and products of the Financial Services Providers showed on our Application or Website for Your personal use and if necessary or desired, You should seek and get professional guidance on the products prior to making any purchasing decision.
Personal Data And Privacy
You agree and give permission to the Company, its subsidiaries, its associates, and any of its affiliate companies gathering, using, processing and revealing Your Personal Information, in agreement with our Privacy Notice, to:
- provide, offer and administer our different services and products, or otherwise as allowed by regulation respond to Your requests, providing You with assistance You request of us, retaining and administering our services and products;
- process Your questionnaire or survey responses; market research and the compilation of overall statistical data using common internet technologies such as pixels and cookies;
- providing You with marketing data concerning other services and products (of ours or a third party);
- performing administrative operations (including risk management and accounting);
- quality assurance and training purposes and any other purpose associated at the time of gathering Your data.
Please read our Privacy Notice for more info. Please also notice that the terms of our Privacy Notice form an integral part of our relationship with You.
Copyright And Trademark Notices
Except as otherwise clearly stated herein, the copyright and all other intellectual property in the contents of our website (including, but not limited to, all design, sound recordings, text, images or links) (collectively, “Content”) are the property of the Company and/or our subsidiaries and/or affiliated entities. As such, they may not be replicated, published, stored, broadcast, adapted, displayed, distributed, altered, licensed, or otherwise used in whole or in part in any manner, unless with the previous written consent of SC Power. Save and except with SC Power’s previous written consent, You may not “mirror”, frame or otherwise use this website, any part thereof, or any information or materials contained in this website on any other server, website or webpage.
All trade marks and logos used in this website are the property of SC Power and/or the respective third party proprietors found in this website. No license or right is given to You, and Your access to this website and/or use of the online services should not be interpreted as a grant, by implication, estoppel or otherwise, of any right or license to use, in any manner, any trade marks or logos appearing on the website, unless with the prior written consent of SC Power or the pertinent third party proprietor.
Disclaimers
The Software and Application are offered “as is” and on an “as available” basis. We give no assurance that the Service will be free of defects and / or faults. To the highest level authorized by the law, we provide no warranties (implied or express) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.
No Content in the Website shall constitute financial, legal or risk assessment advice on which You should rely. It is offered for general information purposes only. You should always seek out independent expert or specialist guidance before joining in any transaction, whether as a borrower or investor.
We make no representation, warranty, or guarantee that the Website will meet Your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all the hardware and software, or that it will be protected.
Whilst We make acceptable efforts to guarantee that the Content on the Website is accurate, complete, and up-to-date, We do not make any representations, warranties or guarantees (whether implied or express) that the Content is accurate, complete or up-to-date.
Whilst We take all acceptable steps to guarantee that the Website is safe and free from viruses and other malware, We do not assure that the Website is protected or free from viruses or other malware and will not accept any liability in this regard. You are accountable for protecting Your software, hardware, information and other material from malware, viruses, and other internet security risks.
Our Liability
To the maximum degree permitted by law, except arising out of the Company’s negligence, we shall not be accountable to any User for any damage or lose, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or incapacity to use) the Website or the use of or reliance upon any Content included on the Website.
We shall not be legally responsible for any loss of sales, profits, business or revenue; loss of goodwill, business opportunity or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage even if We have been advised of the possibility of such damage.
We shall not accept any obligation arising out of any disruption or non-availability of the Website due to external causes including, but not limited to, host equipment failure, ISP equipment failure, communications network failure, acts of war, natural events, acts of god or legal boundaries and censorship.
Limitation Of Liability
Our aggregate obligation for any impairments incurred in relation with these Terms of Use, whether in contract or tort (including negligence but excluding gross negligence or wilful misconduct), or strict liability shall not exceed SGD 100 (one hundred Singapore dollars only).
Force Majeure
We shall not be in violation of this Agreement, nor be responsible for any catastrophe or delay in the performance of any other obligations under this Agreement arising from or attributable to events, acts, accidents, omissions, beyond its reasonable control, including but not limited to any of the following:
- acts of God, including but not limited to flood, earthquake, fire, windstorm or other natural disaster;
- threat of or preparation for war, war, armed conflict, imposition of sanctions, breaking off of diplomatic relations, embargo, or similar actions;
- civil war, terrorist attack, civil commotions or riots;
- nuclear, biological contamination or sonic boom or chemical;
- fire, explosion or accidental damage;
- breakdown of building structures, machinery, failure of plant machinery, computers or vehicles;
- interruption or failure of utility service, including but not limited to electric power, gas or water;
- any labour disputes, including but not limited to strikes, industrial action or lockouts;
- any disconnection to the Platform or Services outside our reasonable control including but not limited to any occurrence of a pandemic or epidemic; and/or
- acts of any government or authority including but not limited to the enactment, publication or announcement of any advisory measures, laws, guidelines, or regulations, to prevent or stop a pandemic or endemic.
Indemnity
You irrevocably agree to indemnify and hold us inoffensive for any claims, losses, liabilities, damages and expenses (including reasonable legal fees) arising from or in relation to (i) Your use or mismanagement of our Application or Software; (ii) Your breach of any of the provisions of these terms; (iii) Your infringement of any of our intellectual property rights including the Content or (iv) any third parties claims against us arising from or in relation to the aforementioned events under (i), (ii) or (iii).
Termination/Suspension Of Account/Use Of Service
We reserve the right to suspend (permanently or temporarily) or dismiss Your account and/or Your use of the Services with or without announcement to You if We consider, in Our sole discretion, that You are in breach of the terms of these Terms of Use, or any of its policies, regulations and rules leading the use of the Website and Services.
We shall not be accountable to You for such termination or suspension. If Your account is cancelled or terminated for any reason whatsoever, You shall not be eligible to any compensation whatsoever. For the avoidance of doubt, the termination or suspension shall not prejudice Our rights against You for the breach of these terms, for any amounts due or other obligations accrued prior to such suspension or termination. This Clause shall survive the termination of this Agreement.
Third Parties' Rights
A person who is not a party to this Agreement shall not have or obtain any right to apply any term of this Agreement (including, but not limited to, any right to enforce or have the benefit of any exclusion or limitation of liability contained in this Agreement) under the Contract (Right of Third Parties) Act, Chapter 53B of Singapore. This Clause shall override any other Clause in this Agreement that is or may be inconsistent with it.
Governing Law And Submission To Jurisdiction
The validity, construction and performance of these Terms of Use shall be governed by and understood in agreement with the laws of Singapore, and You hereby irrevocably submit to the exclusive jurisdiction of the Courts of Singapore. Nothing in this Clause limits the right of the Company to bring proceedings against the You in connection with this Agreement (a) in any other Court of competent jurisdiction or (b) concurrently in more than one jurisdiction.
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