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Privacy
Terms & Conditions

Privacy

PRIVACY POLICY

Welcome to www.netzerohub.sg , an online website (including its mobile accessible version and all of its subdomains and future subdomains) (the "Website" ) which is operated by the Singapore Business Federation (hereinafter referred to as "SBF" , "we" , "our" or "us" ). We refer to the Website and the services provided on the Website collectively as the " Services "

This Privacy Policy ("Privacy Policy") sets out how we collect, use, disclose and/or process the Personal Data you have provided to us and/or we possess about you via the use of the Website and Services, whether now or in the future, and is meant to assist you in making an informed decision before providing us with any of your Personal Data.

"Personal Data" means data, whether true or not, about an individual who can be identified from that data, or from that data and other information to which an organisation has or is likely to have access. Common examples of personal data could include name, identification number and contact information. This Privacy Policy applies to all Personal Data collected by us, operating in the capacity of a data principal or a data intermediary, from all (a) visitors to the Website; or (b) persons who register for an account for use of the Services (collectively, "Users" , "you" or "your" ).

IF YOU DO NOT CONSENT TO THE PROCESSING OF YOUR PERSONAL DATA AS DESCRIBED IN THIS PRIVACY POLICY, PLEASE DO NOT CONTINUE TO ACCESS THE WEBSITE OR USE THE SERVICES. YOUR CONTINUED USE OF THE WEBSITE AND/OR SERVICES SHALL BE DEEMED TO BE YOUR UNCONDITIONAL ACCEPTANCE AND ACKNOWLEDGMENT OF, AND CONSENT TO BE BOUND BY, THIS PRIVACY POLICY.

1.

DEFINITIONS AND INTERPRETATION

1.1 In this Privacy Policy, the following definitions shall apply:

“process”, “processes” or “processing”	:	means any operation or set of operations which is performed on Personal Data, whether by automated means, such as collection, recording, holding, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction
“Terms & Conditions”	:	means the terms and conditions for the use of the Website which can be accessed via a link on the Website, as from time to time amended, varied and/or supplemented

2.

PERSONAL DATA

2.1

In the course of operating the Website and providing the Services to you, we may obtain your Personal Data. This Privacy Policy informs you of how we process, manage and safeguard such Personal Data. For avoidance of doubt, this Privacy Policy does not apply to anonymised data, or information which cannot be used to identify any individual person.
2.2

This Privacy Policy supplements but does not supersede nor replace any consent that you may have otherwise provided to us in respect of your Personal Data.
2.3

In case of conflict between any terms in this Privacy Policy and the Terms & Conditions, the Terms & Conditions shall prevail.
2.4

We collect Personal Data that you voluntarily submit to us, or which is obtained directly from you, including via the Website, through telephone calls, face-to-face meetings, or other forms of correspondence. You may be asked at any time during the engagement of the Services and/or use of the Website to provide Personal Data for the stated purposes. By providing the same, you consent to for us to process such Personal Data. If you do not consent for us to collect or process your Personal Data, you may opt out at any time by notifying us in writing. Further information on opting out can be found in Section 5 ( Rights in relation to Personal Data). Note, however, that opting out or withdrawing your consent for us to collect, use or process your Personal Data may affect your use of the Services and the Website.
2.5

You warrant that all information submitted to us, whether via the Website or otherwise, is true, accurate, reliable, valid, complete and is not misleading nor violate any applicable law, by omission or otherwise. In the event there is any change to the information provided to us, you must inform us immediately.
2.6

Our collection of Personal Data is made pursuant to legitimate interests and for the purposes of complying with applicable law. As such, if need be, we may request other documents to verify any information provided by you.

3.

OTHER DATA COLLECTED

"Cookies" are small text files that are placed onyour device that record data about how and when the Services or Website are used or visited. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to website owners. We or our authorized service providers and advertising partnersmay from time-to-time use "cookies" or other features to allow us or third-parties to collect or share informationin connection with your use of our Services or Website. These features help us improve our Website and the Services we offer, enable us to deliver more relevant content to you and to conduct data analysis and monitor usage of the Services. Where cookies are essential for the operation of the Website or provision of the Services, we can store these cookies on your device without your consent. For all other types of cookies, we need your permission. This site uses different types of cookies, some of which are placed by third parties. You can, at any time, change or withdraw your consent to our use of non-essential cookies using the Cookie Declaration.

4.

PROCESSING AND DISCLOSURE OF PERSONAL DATA

4.1

Your Personal Data is processed only for specific purposes, and the processing is limited to what is necessary in relation to these purposes. We may process or disclose your Personal Data for the following purposes, whether within or outside Singapore:

4.1.1

to on-board you as a User, including the verification of your Personal Data, and to assess and process your application for setting up an Account;
4.1.2

to manage and maintain your Account and to provide the Services to you, including facilitating any transactions on the Website;
4.1.3

to carry out SBF’s obligations and duties under the Terms & Conditions, including to prevent or investigate any actual or suspected violations of our Terms & Conditions or any applicable end-user license agreements, or any fraudulent or unlawful activity, omission or misconduct, whether relating to your use of the Services or any other matter arising from your relationship with us;
4.1.4

to communicate with you including responding to your requests, enquiries and/or complaints, and resolving disputes;
4.1.5

for identification, verification, due diligence, or know your customer purposes;
4.1.6

to perform assessments and analysis for purposes of improving our Services and the customer experience;
4.1.7

for marketing and advertising;
4.1.8

for sharing with SBF’s partners, for the purposes of assessment of its performance in relation to funding programmes entered into with such partners;
4.1.9

to meet SBF’s legal, regulatory and contractual obligations under any applicable law, such as anti-money laundering, counter-terrorist financing, anti-tax evasion and prevention of fraud regulations, automatic exchange of information, including disclosures to regulators, tax authorities, and other governmental or judicial authorities;
4.1.10

for SBF’s prudential and operational management (including risk management, audit, compliance, outsourcing of services, business and financial decision-making etc);
4.1.11

to collect any debt due or owing and to enforce your obligations to SBF;
4.1.12

to ensure or enhance network and information security;
4.1.13

to respond to any threatened or actual claims asserted against SBF or other claim that any content violates the rights of third-parties;
4.1.14

to store, host, back up (whether for disaster recovery or otherwise) your Personal Data, whether within or outside of your jurisdiction; and/or
4.1.15

for any other purpose which we may notify you of from time to time.

4.2

For the avoidance of doubt, any unsolicited information or materials (even if they may be Personal Data) sent to us whether via the Website or other communication channels, regardless of whether we are the intended recipient, will not be considered confidential or proprietary.
4.3

In conducting our business, we may need to use, process, disclose and/or transfer your Personal Data to our third-party service providers, agents and/or our affiliates or related corporations, and/or other third-parties, which may be located in Singapore or outside of Singapore, for one or more of the above-stated purposes stated in the section above. Such third-party service providers, agents and/or affiliates or related corporations and/or other third-parties may be processing your Personal Data either on our behalf or otherwise, for one or more of the above-stated purposes. We endeavour to ensure that the third-parties and our affiliates keep your Personal Data secure from unauthorised access, collection, use, disclosure, processing or similar risks and retain your Personal Data only for as long as your Personal Data is needed for the above-mentioned purposes.

5.

RIGHTS IN RELATION TO PERSONAL DATA
5.1

Rights of access, correction and deletion

5.1.1

You are entitled to review, correct, amend or delete any part of your Personal Data provided to us which is inaccurate, incomplete, misleading or not up-to-date. You may do this at any time by logging into your Account on the Website or contacting us via the email provided in Section 11 for data that is not available for change on the Website, and we will correct or update the data as soon as practicable.
5.1.2

You have a right to request for a copy of your Personal Data provided to us. This information will be provided without undue delay subject to a reasonable fee (as permitted by applicable law).
5.1.3

When handling data access, correction, restriction, deletion, or portability requests, we are entitled to check the identity of the requesting party to ensure that he is the person entitled to make such request. We may also refuse such request in accordance with applicable laws.

5.2

Right to restrict, object, or withdraw consent

5.2.1

You have the right to restrict, object to, or withdraw your consent for, the processing of your Personal Data by us at any time by writing to us.
5.2.2

Any such restrictions, objections or withdrawal will not affect the lawfulness of the processing of your Personal Data based on consent obtained before the restriction, objection or withdrawal. This shall also not affect the lawfulness of the continued processing of your Personal Data if it is necessary and/or permitted under applicable law.
5.2.3

Upon receipt of such a request, we shall take reasonable steps to ensure that your Personal Data is only held with regard to the purposes for which it is to be used and for our own requirements under applicable law. Depending on the nature of your request, we reserve the right to cease or limit the provision of Services and/or access to the Website to you.

5.3

Right to erasure

5.3.1

You have the right to request erasure of your Personal Data subject to limitations by applicable law.
5.3.2

For the avoidance of doubt, you shall not have such right to request erasure if the deletion of such data may result in loss of data integrity and auditable records, and therefore be necessary for us to comply with applicable law or for the establishment, exercise or defence of legal claims. You expressly acknowledge and agree to the non-erasure of your Personal Data in such circumstances.
5.3.3

Upon receipt and approval of such a request, we shall insofar as the data is stored in electronic form, take steps to ensure that it is securely deleted, erased or destroyed. We shall require a reasonable amount of time to process and effect any erasure of data. Depending on the nature of your request, we reserve the right to cease or limit the provision of Services and/or access to the Website to you.

5.4

Right to data portability
You may elect to receive copies of your Personal Data in a structured, commonly used and machine-readable format, and for us to transfer your Personal Data directly to another party, where technically feasible, unless exercise of this right adversely affects the rights and freedoms of others (e.g. where providing the Personal Data we hold about you would reveal information about another person). We are not responsible for the security of the Personal Data or the processing of the same once received by a third-party.
5.5

Right to lodge a complaint

5.5.1

If you believe that your rights have been infringed in any way, we encourage you to first contact us via the email in Section 11 to resolve the issue or dispute amicably.
5.5.2

Subject to Sections 6.2 and 6.3 below, you may also lodge a complaint about the processing of your Personal Data to the relevant governmental agency.

5.6

Closure of Account

5.6.1

Upon termination or suspension of your Account, we will keep your Personal Data in our database as long as necessary in order to comply with applicable law, to protect the integrity of our system and records in the event a dispute arises and for other legitimate business purposes as notified in Section 5 above.
5.6.2

Subject to the above, we will destroy or anonymize your Personal Data when we have reasonably determined that (i) the purpose for which that Personal Data was collected is no longer being served by the retention of such Personal Data; or (ii) retention is no longer necessary for any legal or business purposes; or (iii) no other legitimate interests warrant further retention of such Personal Data.

6.

COMPLAINTS UNDER THE EUROPEAN GENERAL DATA PROTECTION REGULATIONS AS APPLICABLE TO PERSONAL DATA OF EU PERSONS
6.1

Where Personal Data is collected from individuals and institutions located within the European Economic Area (“EEA”), such Personal Data shall be used in accordance with the General Data Protection Regulation (“GDPR”).
6.2

Where the GDPR applies to you, by accessing the Website and/or the Services, or sending us any Personal Data, you hereby acknowledge and agree not to make any complaint to any governmental agency unless you have first brought the complaint to our attention and followed the process in Section 6.3 below.
6.3

For any issues which you may have in relation to your Personal Data:

6.3.1

You shall inform us of your issue or complaint in writing via the email in Section 11 below, setting out with sufficient clarity and detail your issue or complaint.
6.3.2

We shall use reasonable endeavours to work with you to resolve the issues or complaints raised in your email within ninety (90) days. You agree to co-operate fully with us, which shall include providing us with any requested information or documents in a timely manner.
6.3.3

If parties fail to resolve the said issues or complaints within ninety (90) days, you shall then have the right to settle any disputes in accordance with the Terms & Conditions.

7.

INTERNATIONAL TRANSFERS OF PERSONAL DATA
Your Personal Data may be transferred to, stored or processed outside Singapore for one or more of the purposes stated herein. We will only transfer your Personal Data overseas in accordance with applicable laws.

8.

SECURITY
8.1

We have implemented technical and organisational security measures to ensure the confidentiality, integrity and accountability of all Personal Data collected and to protect it from unauthorised access and disclosure, loss, misuse, alteration or destruction. However, while we strive to protect your Personal Data, we cannot completely guarantee the security of any Personal Data, or that no harmful code will enter the Website (for example viruses, bugs, trojan horses, spyware or adware). You should be aware of the risks associated with disclosing any information or transacting over the Internet or when using online websites, and we urge you to take every precaution when using the Internet to disclose your Personal Data to us, including using strong passwords, changing your password regularly and using a secure browser.
8.2

Where your consent has been obtained, or where we are obliged to pass on Personal Data to third-parties to provide you with a requested service or in the carrying out of our obligations under applicable law, we will request that the same levels of technical and organisational security measures be applied, where possible. However, we shall not be responsible for any security breach on the part of such third-party service providers.
8.3

In the event of a security breach or the failure of the measures of protection of such Personal Data in our systems or that of any engaged third-party service providers, we shall notify you in accordance with this Privacy Policy and/or the Personal Data Protection Act 2012.
8.4

You acknowledge that you play a vital role in protecting your own Personal Data, including choosing appropriate passwords and keeping them confidential. We cannot guarantee or warrant the security or confidentiality of information you transmit to us or received from us via the Internet. If you have reason to believe that your Personal Data is no longer secure or that there is unauthorised access or use of your Account, you should notify us immediately.
8.5

If you discover any fraud, phishing, or scam which impersonates SBF, you should email us immediately.

9.

MARKETING
9.1

We shall ask for your consent for the use of your Personal Data to be processed for direct marketing.
9.2

With such consent, we may send information to you including but not limited to promotions for our products or Services, events that we are hosting or participating in, or product updates and features. This may include contacting you via telephone, regardless of whether you are on the Do Not Call registry.
9.3

You have the right at any time to revoke and object to such use of your Personal Data for the use of direct marketing by contacting us.

10.

CHANGES TO THIS PRIVACY POLICY
10.1

This Privacy Policy may be supplemented, varied or amended from time to time at our discretion by publishing the revised Privacy Policy on the Website. Such revised Privacy Policy shall be effective immediately and shall apply and bind parties from the date of its publication on the Website. You should therefore carefully read the Privacy Policy each time you visit the Website so that you are apprised of such changes.
10.2

If you do not agree to any terms of the revised Privacy Policy, you should not continue to visit, access, or use the Website, or any Services. For the avoidance of doubt, your continued use of the Website and/or Services shall be deemed to be your unconditional acceptance and acknowledgment of, and consent to be bound by, the prevailing terms of this Privacy Policy.

11.

CONTACT US
If you have any questions or complaints about or relating to the Personal Data collected by us or wish to contact us on any terms of this Privacy Policy, you may contact us using the “Contact Us” details on the Website or at the following email address: netzerohub@sbf.org.sg

12.

CONSENT AND ACKNOWLEDGEMENT
12.1

By visiting, accessing or using the Website or any Services, you warrant and represent that you have the legal capacity to consent to, and agree to be bound by, this Privacy Policy in its entirety, and that any information or documents provided by you shall be true and accurate to the best of your knowledge.
12.2

By providing us with your Personal Data, you hereby consent to the processing of your Personal Data in accordance with this Privacy Policy. You warrant and represent that you have the right or have otherwise obtained the necessary authorisation to provide the information provided to us. You acknowledge that it is an offence under Singapore law to request access to or change another person's information without being authorised by that person.

Terms & Conditions

1. INTRODUCTION

Welcome to www.netzerohub.sg , an online website (including its mobile version and all of its subdomains and future subdomains) (the "Website"), which is operated by the Singapore Business Federation (hereinafter referred to as "SBF", "we", "our" or "us") together with our service suppliers.
The "Services" we make available include: (i) the Website, (ii) the services made available on or provided through the Website by us (iii) the transactions carried out on or through the Website; and (iv) all information, linked pages, features, data, text, images, photographs, graphics, music, sounds, video, messages, tags, content, programming, software, application services (including any mobile application services) or other materials made available through the Website or its related services ("Content"). These terms and conditions govern your use of the Services provided by us.
By using the Services (including by using, accessing or browsing the Website), you, including the individual who browses, (the "User", "you" or "your") agree to be bound by these terms and conditions, the policies referenced herein and/or accessible by hyperlink hereto including the Privacy Policy (collectively, the "User Agreement").
We reserve the right, at our sole discretion, to change, modify, add or remove the terms and conditions of this User Agreement from time to time. We will however communicate to you whenever there are any changes made to the User Agreement. The amended User Agreement will be effective immediately after it is uploaded on the Website. Your continued access or browse or use of the Website following uploading of the amended User Agreement changes shall mean that you accept and agree to the amended User Agreement. The version of the User Agreement that will apply to your order will be those uploaded on the Website at the time you access or browse or use or place your order. This User Agreement does not alter in any way the terms or conditions of any other written agreement you may have with SBF for other products or services.
Please read this User Agreement carefully before using the Website or opening a user account ( "Account") so that you are aware of your legal rights and obligations with respect to SBF and the use of the Services. The Website is available for your use only on the condition that you agree to all the terms and conditions of this User Agreement. If you do not agree to all of the terms and conditions of this User Agreement, do not access the Website or use the Services. By accessing the Website or using the Services, you and the entity you are authorised to represent signify your agreement to be bound by all the terms and conditions of this User Agreement. You are also responsible for ensuring that all persons who access the Website through your Account comply with this User Agreement.

2. LIMITED LICENCE

We hereby grant you a limited and revocable license to access and use the Services subject to the terms and conditions of the User Agreement. All proprietary Content, trademarks, service marks, brand names, logos and other intellectual property (“Intellectual Property”) displayed in the Website are the property of SBF and where applicable, third-party proprietors identified in the Website. No right or licence is granted directly or indirectly to any party accessing the Website to use or reproduce any Intellectual Property, and no party accessing the Website shall claim any right, title or interest therein. By using or accessing the Services, you agree to comply with the copyright, trademark, service mark, and all other applicable laws that protect the Services, the Website and its Content. You agree not to copy, distribute, republish, transmit, publicly display, publicly perform, modify, adapt, rent, sell, or create derivative works of any portion of the Services, the Website or its Content. You also may not, without our prior written consent, mirror or frame any part or whole of the Website or Content on any other server or as part of any other website. In addition, you agree that you will not use any robot, spider or any other automatic device or manual process to monitor or copy our Content, without our prior written consent (such consent is deemed given for standard search engine technology employed by Internet search websites to direct Internet users to the Website).

3. ELIGIBILITY TO USE

We reserve the right to, without prior notice: (i) suspend or terminate your account, (ii) revoke your access to the Website, (iii) remove any Content associated with your Account, (iv) cancel or suspend any transactions associated with your Account, and/or (v) take any other actions that we deem necessary if you are found in contravention of the terms and conditions of this User Agreement, or if we decide, in our sole discretion, that doing so would be in SBF’s best interests.
The Website is not available to persons whose account has been suspended or terminated by us for any reason whatsoever. Notwithstanding anything contained herein, if you breach the User Agreement, SBF reserves the right to take any legal or other action against you, including but not limited to, denying or revoking access to the Website and referral to the appropriate authorities.
Please note that you may only access the Website for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, rules and regulations pertaining to your use of the Website.

4. AVAILABILITY OF THE WEBSITE AND THE SERVICES

SBF does not guarantee that the Website or Services will be compatible with all hardware and software which you may use. SBF shall not be responsible for any issues in connection with equipment or intermediary platforms, browsers or applications that you use to access the Website and the Services.
As the Website is dependent on other third-party service providers for certain operational aspects (such as website domain hosts and payment services providers), and also due to the nature of the Internet, SBF makes no warranty that your access to the Website or use of the Services will be uninterrupted, timely or error-free, or will be free of viruses, worms and/or other harmful or invasive elements. We shall not be liable to you where access to the Website or the provision of Services is disrupted for any reason.
We may, from time to time and without giving any reason or prior notice, upgrade, modify, suspend or discontinue the provision of or remove, whether in whole or in part, the Website or any Services and shall not be liable if any such upgrade, modification, suspension or removal prevents you from accessing the Website or any part of the Services.
The Website undergoes ad-hoc maintenance as SBF deems necessary, the timing and duration of which may be notified to you via the Website and in advance where practicable. SBF does not guarantee that the Services shall be available twenty-four hours a day. SBF shall not be liable to you for any reason the Services are unavailable at any time or for any period.
Whilst SBF will use commercially reasonable efforts to make the Services available to you without any interruption, it does not guarantee that the Services will be fault-free. If a fault occurs with the Service, you should report it to us and we will attempt to correct the fault as soon as practicable.

5. USER REGISTRATION

Your Account: Access to and use of password protected and/or secure areas of the Website and/or use of the Services are restricted to Users with a registered account only. You may create and hold one (1) Account only. You will be responsible for maintaining confidentiality of your account, password and controlling access to your account, and you hereby accept responsibility for all activities that occur using your Account. Each Account is non-transferrable and may not be sold, traded, combined or otherwise shared with any other person.
In registering for an Account, you shall provide accurate and complete registration information. We reserve the right at any time to request for additional information or supporting documents to verify the veracity of any information provided or in connection with your use of the Services. You shall ensure that your Account information is accurate and up-to-date. If you refuse to divulge such information and/or data or if you provide or if we have reasonable grounds to suspect that you have provided inaccurate, misleading or fraudulent information and/or data, we reserve the right to suspend or terminate your Account and/or refuse use of part or all of the Services.
If you are accessing or browsing or using the Website on someone else’s behalf, you represent that you have the authority to bind that person to the User Agreement herein. In the event that the person refuses to be bound as the principal to the User Agreement, you agree to accept liability and indemnify SBF against any harm caused by any wrongful use of the Website resulting from such access or use of the Website in whatsoever nature.
You may not obtain or attempt to obtain unauthorised access to such parts of this Website and/or Services, or to any other protected information, through any means not intentionally made available by us for your specific use. A breach of this provision may be an offence under the Computer Misuse Act 1993 of Singapore.
If you know or have reasons to believe that the security of your Account has been breached, you should contact us immediately. If we have found a breach or suspected breach of the security of your Account, we may require you to change your password temporarily or permanently block or suspend your account without any liability to SBF.
You are solely responsible for all information that you upload, post, email or otherwise transmit via the Website. The information provided to us shall be maintained by us in accordance with our Privacy Policy.
You are fully responsible for all activities that occur using your Account even if such activities or uses were not committed by you. We will not be liable for any loss or damage arising from unauthorised use of your password or your failure to comply with this section.

6. ACCURACY OF CONTENT

We endeavour to provide accurate data and information on the Website.
You agree that you must evaluate, and bear all risks associated with, the use of any Content, including, without limitation, any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you have not and, to the maximum extent permitted by applicable law, may not rely on any Content accessible on the Website.

7. USAGE RESTRICTIONS

SBF is not responsible for any damages resulting from your use of the Website. You shall not use the Website for any of the following purposes:
1. disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material;
2. transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise breaches any relevant laws, regulations or code of practice;
3. gaining unauthorized access to other computer/network systems;
4. interfering with any other person’s use or enjoyment of the Website;
5. breaching any applicable laws;
6. interfering or disrupting networks or websites connected to the Services;
7. making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner;
8. being grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
9. harming minors in any way;
10. infringing any patent, trademark, copyright or other proprietary rights;
11. violating any law for the time being in force;
12. deceiving or misleading the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
13. impersonating another person;
14. deploying software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource including the Website; and/or
15. threatening the unity, integrity, defence, security or sovereignty of Singapore, friendly relations with foreign states, or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting any other nation.
You are also prohibited from:
1. violating or attempting to violate the integrity or security of the Website or its Content;
2. transmitting any information (including job posts, messages and hyperlinks) on or through the Website that is disruptive or competitive to the provision of services by us;
3. intentionally submitting on the Website any incomplete, false or inaccurate information, or otherwise use the Website and/or Services or upload Content in a manner that is fraudulent, unconscionable, false, misleading or deceptive;
4. making any unsolicited communications to other Users of the Website;
5. using any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Website;
6. harvesting or collecting any information about or regarding other Account holders, including any personal data or information;
7. attempting to decipher, decompile, disassemble or reverse engineer any part of the Website;
8. copying or duplicating in any manner any Content or other information available from the Website;
9. framing or hotlinking or deep linking any Content; and/or
10. taking any action that could directly or indirectly damage, disable, overburden, or impair the Services or the servers or networks connected to the Services.

8. INDEMNITY

You agree to release, defend, indemnify and hold harmless SBF, its employees, directors, officers, agents and their successors and assigns from and against any and all claims, liabilities, damages, losses, costs and expenses, including attorney's fees, caused by or arising out of claims based upon your actions or inactions, which may result in any loss or liability to SBF or any third-party including but not limited to breach of any warranties, representations or undertakings or in relation to the non-fulfilment of any of your obligations under this User Agreement or arising out of your violation of any applicable laws, regulations including but not limited to intellectual property rights, payment of statutory dues and taxes, claim of libel, defamation, violation of rights of privacy or publicity, loss of service by other subscribers and infringement of intellectual property or other rights.

9. PRIVACY

SBF believes strongly in protecting the User’s privacy and providing you with the information regarding SBF’s privacy practices. Please refer to our Privacy Policy that is accessible at www.NetZeroHub.sg.
Please review the Privacy Policy to understand how we collect and use the information associated with your Account and/or your use of the Services.
You acknowledge, consent to and agree that we may access, preserve, and/or disclose your Account information and Content to any legal, regulatory, or governmental authority, the relevant rights owner, or other third-parties if required to do so by law, pursuant to an order of a court or lawful request by any governmental or regulatory authority having jurisdiction over SBF, or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (i) comply with legal process; (ii) enforce the User Agreement; (iii) respond to claims that any Content violates the rights of third-parties, including intellectual property rights; (iv) respond to your requests for customer service; or (v) protect the rights, property or personal safety of SBF, other Users and/or the public.

10. COMMUNICATION

When you visit the Website or send emails to us, you are communicating with us electronically in accordance with the Electronic Transactions Act 2010. Where elected, you consent to receive communications (including transactional, promotional and/or commercial messages) from us periodically and as and when required regarding the Website, our newsletters, anything relating to other companies in our group or our business partners. We will communicate with you by email or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you would prefer not to receive any of this additional information as detailed in this paragraph (or any part of it) you may either (i) click the “unsubscribe” link in any email that we send to you or (ii) send an email to NetZeroHub@sbf.org.sg with the header “Unsubscribe”. Within 15 (fifteen) business days of receipt of your instruction, we will cease to send you information as requested. In case of any clarity, you can contact our customer support service.

11. OWNERSHIP OF INTELLECTUAL PROPERTY; COPYRIGHT AND TRADEMARK

Ownership: The Intellectual Property in and to the Website, Services and the Content are owned, licensed to or controlled by us, our licensors, or our service providers. We reserve the right to enforce our rights over these Intellectual Property to the fullest extent of the law.
All Content can be used as an information resource only. Any other use of the Services and Content, including copying or storing in whole or part is strictly prohibited without the explicit permission of SBF. Access to the Services does not authorize anyone to use the Content in any manner whatsoever; except that you may download or copy the Content and other downloadable materials displayed on the Website for your personal non-commercial use only. No right, title or interest in any downloaded Content is transferred to you as a result of any such downloading or copying. Save as otherwise provide in aforesaid paragraph, you shall not modify, publish, transmit, transfer, update, share, distribute, display, reproduce, create derivative works from, repost, perform sell or participate in any sale of or exploit in any way, in whole or in part, any of the Content, the Website and/or the Services. The Services are designed, updated and maintained by SBF or its licensors.
Access to this Website does not confer and shall not be considered as conferring upon anyone any license to use any of our or any third-party’s Intellectual Property. All rights, including rights to all Intellectual Property displayed on the Website and the Content therein are owned by or licensed to us and where applicable, third-party proprietors identified in the Website. All software used on the Website is the property of SBF or its licensors and may be used only as a information resource. All Content and software are protected by Singapore and international intellectual property laws. The compilation (meaning the collection, arrangement and assembly) of Content on this Website is the exclusive property of SBF and is also protected by Singapore and international intellectual property laws.
References on this Website to any names, marks, products or services of third-parties or hypertext links to third-party websites or information are provided solely as a convenience to you and do not in any way constitute or imply: (i) any affiliation with us; or (ii) our endorsement, sponsorship or recommendation of the third-party, information, product or service. These other third-party websites are not under the control of SBF and we are neither responsible for the content of such websites nor do we make any representations regarding the content or accuracy of material on such websites. You therefore access them at your own risk.

12. TERMINATION

This User Agreement is effective unless and until terminated by either you or us. You may terminate your Account (and hence this User Agreement) at any time by notifying us in writing (including via email at NetZeroHub@sbf.org.sg) of your desire to do so. We may terminate your Account (and hence this User Agreement) at any time and may do so immediately without notice, and accordingly deny you access to the Website and/or Services. Such termination will be without any liability to SBF. Any such termination of your Account shall not affect any liability that may have arisen prior to termination.
Following the termination, you will not be permitted to use the Website or the Services. If your access to the Website or Services is terminated, SBF reserves the right to exercise whatever means it deems necessary to prevent the unauthorized access of the Website or use of the Services.

13. LIMITATION OF LIABILITY AND DISCLAIMERS

The Website, and all Content and Services included on or otherwise made available to you through the Website, are provided “As Is” and without any warranties, claims or representations by us of any kind either express or implied including, without limitation, warranties of quality, performance, non-infringement of intellectual property, merchantability, or fitness for a particular purpose, nor are there any warranties created by course of dealing, course of performance or trade usage. You hereby agree to bear the risks associated with the use of the Website and any Content.
Further, the Website may contain Content from other Internet websites or resources. While we shall try to ensure that such material included on the Website is correct, reputable and of high quality, we shall not be held liable or responsible if this is not the case. We will not be responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with the Website.
Without limiting the generality of the foregoing and to the maximum extent permitted by applicable law, SBF makes no representation or warranty, express or implied:
1. that the Services, the Website, the Content or the functions contained therein will be available, accessible, uninterrupted, timely, secure, accurate, complete or error-free;
2. that defects, if any, will be corrected, or that the Website and/or the server that makes the same available are free of viruses or any other harmful codes, instructions, programs or components;
3. that links to third-party websites are to information that is accurate, reliable, complete or timely; or
4. that any advice or information, whether oral or written, obtained by you from this Website will create any warranty not expressly stated herein.
This disclaimer constitutes an essential part of this User Agreement.
SBF shall have the right, at any time, to change or discontinue any aspect or feature of the Website, including, but not limited to, Content, hours of availability and equipment needed for access or use. Further, the Website may discontinue disseminating any portion of information or category of information. SBF does not accept any responsibility and will not be liable for any loss or damage whatsoever arising out of or in connection with any inability to access or to use the Website.
To the maximum extent permitted by applicable law, SBF shall not be liable whether in contract, tort (including negligence, strict liability or other theory) or other cause of action at law, in equity, by statute or otherwise for: (i) any indirect, incidental, special, consequential or exemplary damages (including damages for loss of profits, goodwill, revenues, use, data or other intangible losses) arising out of or in connection with the use or the inability to use any Content or Services.
You acknowledge and agree that your only right with respect to any problems or dissatisfaction with the Services is to request for termination of your Account and/or discontinue any use of the Services.
We make no representations or warranties about the accuracy, reliability, completeness and/or timeliness of any Content provided on or through the use of the Website or that the operation of the Website will be error free and/or uninterrupted. We assume no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website and/or any interruption or errors in the operation of the Website, non-delivery, loss, theft, mis-delivery, corruption, destruction or other modification; loss or damages of any sort incurred as a result of dealings with or the presence of third-party website links on the Website; viruses, system failures or malfunctions which may occur in connection with your use of the Website, including hyperlinks; any inaccuracies or omissions in Content; or events beyond the reasonable control of SBF. We make no representations or warranties that defects or errors will be corrected.
Nothing in this section shall limit or exclude any liability for death or personal injury caused by our negligence, for fraud or for any other liability on our part that cannot be lawfully limited and/or excluded.

14. WEBSITE SECURITY

Where appropriate, we use available technology to protect the security of communications made through the Services. However, we shall not be liable or responsible for the security, authenticity, integrity or confidentiality of any transactions or other communications made through the Services. You carry out any transactions or communications at your own risk.
Internet communications may be susceptible to interference or interception by third parties. We make no representations or warranties that the Services are free of infection by computer viruses or other unauthorised software. This is without prejudice to Clause 13A.
You should take appropriate steps to keep your information, software and equipment (for example, Your Content, your personal data and your Device(s)) secure. This includes clearing your internet browser cookies and cache before and after accessing and using the Services.
If SBF has reason to believe that that there is a breach of security, or the person logged into the Account is not the registered User or an authorized person of the registered User, or where the Account will be used for illegal, fraudulent or unauthorised purposes, or where there is any suspicious activity, SBF reserves the right to require you to change your login credentials, or suspend, restrict or terminate access to your Account and/or use of the Website, or cease acting on your instructions.

15. FEES

We reserve the right to introduce new fees or revise existing fees for your access to and use of the Services from time to time. Any new or revised fees shall apply from the date such new or revised fees are published on the Website or notified to you, whichever is earlier. We are not responsible for any fees charged by any other Third Party Services, internet site, application, software, service, product or otherwise that is not provided by us.

16. PAYMENTS

You shall ensure that any credit card or direct debit information that you provide through the Services is true, correct, current and complete. If collection of payment through direct debit from your designated bank account is unsuccessful, we shall not have any obligation to process the communication, transaction or activity to which the unsuccessful payment relates. You shall bear all charges imposed by the relevant bank, including charges (a) in relation to maintenance of your bank account; (b) in relation to all debits of payment where relevant (whether successful or unsuccessful); and (c) incurred by us in connection with any unsuccessful debit of payment from your designated bank account.

17. CONTACT INFORMATION

If you have any grievance, comment, question or suggestion regarding any of our services or use of the Website, please contact us at NetZeroHub@sbf.org.sg, and we will attempt to address them expeditiously.

18. EFFECT OF WAIVER

The failure of SBF to exercise or enforce any right or provision of this User Agreement will not constitute a waiver of such right or provision.

19. ASSIGNMENT

You may not assign your rights and obligations under this User Agreement to anyone. SBF may assign its rights and obligations under this User Agreement in its sole discretion and without advance notice to you. By using this Website, you agree to be bound by this User Agreement.

20. CESSATION OF OPERATION

SBF may at any time, in its sole discretion and without advance notice to you, cease operation of the Website.

21. SEVERABILITY

If any provision or provisions of these User Agreement shall be held to be invalid, illegal, or unenforceable, the validity, legality and enforceability of the remaining provisions shall remain in full force and effect.

22. GOVERNING LAW AND JURISDICTION

This User Agreement shall be governed by and construed in accordance with the laws of Singapore without regard to its conflict of law rules. The Uniform Computer Information Transaction Act, to the extent applicable, are expressly disclaimed.
The parties submit to the non-exclusive jurisdiction of the courts of Singapore to settle any disputes which may arise out of or in connection with these Terms and Conditions.

23. ACKNOWLEDGEMENT AND ACCEPTANCE

By clicking "Accept", "Agree", "Submit", “Confirm”, “Update” or "Continue" when prompted in relation to this User Agreement, you shall be deemed to have read, understood and agreed to the terms and conditions of the User Agreement, and such act of clicking "Accept", "Agree", "Submit", “Confirm”, “Update” or "Continue" shall also constitute an acceptance in accordance with Section 11 of the Electronic Transactions Act 2010 of Singapore.

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