USE OF THIS SITE

The owner, the domain name registrant, the designer, the publisher, and the host of this website collectively ("We") hereby represent that this website ("Site") is provided and maintained for the personal knowledge, entertainment, information, communication and education of the Site's users / browsers.

Material displayed on the Site may be downloaded only and strictly for non-commercial, personal use provided all copyright, trademark and other proprietary notices contained in the material are also retained and displayed and not modified in any way.

It is strictly prohibited to modify, change, edit, transmit, distribute, reuse, repost, reproduce, frame, cut, copy or use any of the content or any whole or part of the Site, including text, images, graphics, names, ideas, themes, concepts, cases, stories, files, audio or video data, for any kind of public or commercial purpose, without the expressed written permission of the respective copyright owners.

SUBSCRIBER AND MEMBERSHIP INFORMATION

Users of this Site who have subscribed to or purchased any of the services, programmes and programs offered automatically become subscribers and/or members and may remain so until they unsubscribe or terminate their membership.

This Site may, at certain times, offer to members, subscribers and clients free-of-charge follow-up consultation sessions related to the original query and session, for a period of one (1) month from the date of the initial session for each query.

Any such consultation privileges not used during the one (1) month period will be forfeited and cannot be claimed after this one (1) month period is over.

Queries on matters or persons other than about that pertaining to the original query, even those made during the one (1) month privilege period, constitute separate queries and will be charged accordingly.

Subscribers, members or clients who have not purchased any of the private consultation services are not entitled to the one (1) month free-of-charge follow-up sessions.

PRIVACY POLICY

We fully support anti-spamming practices and will not engage in, participate in, encourage or condone spamming in any form, method or style.

We will not give, loan, rent, lease, sell, circulate, distribute or pass on any personal information or contacts of users of this Site to any third party / parties for any kind of commercial usage.

Any information provided to us, whether in communication with us or during a consultation, is held in the strictest confidentiality.

In addition, our servers, networks and connections have encryption and security devices installed in them.

TRADEMARKS

The trademarks, logos and service marks ("Trademarks") displayed on this Site, unless otherwise specified, are the registered and unregistered trademarks of the owner and domain name registrant of this Site, the designer and publisher of this Site, or the licensees and copyright owners of the items / content in use on this Site.

Nothing contained in the Site should be construed as granting, by implication or otherwise, any license or right to use any Trademark or content, in part or in whole, displayed on the Site.

Any use or misuse of the Trademarks displayed on the Site, or of any other whole or part content on the Site, is strictly prohibited, and shall not, under any circumstances, be done without the expressed written permission of the party / parties that own the Trademarks.

Any violation, intended or unintended, of the intellectual property stipulations herein will amount to legal action, including criminal prosecution, being taken against the perpetrators and / or their agents, representatives, affiliates and associates.

ACCURACY

While we make reasonable efforts to provide accurate and up-to-date information on the Site, we make no warranties or representations as to its accuracy nor do we assume any liability or responsibility for any errors in the content of the Site.

DAMAGES and WARRANTIES

Use of and browsing of the Site are at the risk of the user / browser.

We, nor any other party involved in creating, producing, delivering or hosting the Site, are not liable for any direct or indirect, consequential or inconsequential, incidental or punitive damages arising out of access to or use of the Site.

Without limitation, everything on the Site is provided "AS IS" without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose or non-infringement.

Note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply. Check local laws for any restrictions or limitations regarding the exclusion of implied warranties.

DAMAGES and VIRUSES

We also assume no responsibility and shall not be liable for any damages to, or for viruses that may infect users' computer, equipment or other property on account of access to, use of, or browsing in, the Site or on account of downloading of any materials, data, text, images, files, audios or videos from the Site.

LINKS

We periodically review all of the links contained in the Site. However, we are not responsible for the content of any off-Site pages or any other sites linked to this Site. The linking to any other off-Site pages or other sites is taken at the risk of the user / browser.

A link to or from this Site should not be construed as an endorsement of any linked site's content or sponsors.

REVISIONS

We reserve the right, at any time and at our discretion and without prior notification, to revise, change or modify, the terms and conditions herein by updating this page containing the Terms and Conditions.

Users / browsers of this Site are bound by any such revisions, changes and modifications to the Terms and Conditions.

INDEMNITY

The information in this Site is intended for entertainment, educational and informational purposes only, and is not meant to take the place of the advice of a doctor, therapist, psychiatrist, psychoanalyst, financial planner, lawyer, minister of religion, or other professional.

Anyone in need of medical, legal, financial, psychiatric or religious help should consult the appropriate professional for advice. We and our affiliates are not responsible for legal or medical issues arising from the use or misuse of the information on this Site.

The information in this Site is not intended to treat, diagnose, or cure any ailments, diseases or injuries. Seek proper medical attention for any medical or health conditions.

We are not responsible for the use or misuse of any services or products sold on or through this Site.

JURISDICTION

The interpretation, construction, effect and enforceability of the Terms and Conditions herein shall be governed by the laws of the Republic Of Singapore for the determination of any legal disputes.