Terms & Conditions

Last updated: June 20, 2024

Welcome to Singapore Economic Insights. Please read these Terms and Conditions carefully before using our website or services. By accessing or using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access the website or use our services.

1. Acceptance of Terms

These Terms and Conditions constitute a legally binding agreement between you and Singapore Economic Insights ("we," "us," or "our"), a company registered in the United Kingdom under Company Reg. No: 37806597, with our registered office at Studio 57t Linda Via East Adamtown, London, SE1 7DB.

By accessing or using our website (singaporeeconomicinsights.com), subscribing to our services, or engaging with any content published by Singapore Economic Insights, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy and any other guidelines or policies that are part of these terms.

2. Definitions

Throughout these Terms and Conditions, the following terms shall have the meanings assigned to them below:

  • "Content" refers to all information, text, graphics, images, data, software, and other materials that appear on or are available through our website.
  • "Services" refers to all services, features, and functionality offered by Singapore Economic Insights, including but not limited to economic analysis, research reports, newsletters, and consulting services.
  • "User" or "you" refers to any individual or entity that accesses or uses our website or services.
  • "Subscription" refers to any paid or free plan that provides access to premium content or services.

3. Website Use and Access

3.1 License to Access

Subject to these Terms and Conditions, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our website and its content for personal, non-commercial purposes. This license does not include any resale or commercial use of our website or its content, any collection or use of any product listings, descriptions, or prices, or any derivative use of our website or its content.

3.2 Account Registration

Certain features of our website or services may require you to register for an account. When you register, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and promptly update your account information
  • Keep your password confidential and notify us immediately of any unauthorized access
  • Accept responsibility for all activities that occur under your account

3.3 Age Restrictions

Our website and services are intended for users who are at least 18 years of age. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms and Conditions.

3.4 Prohibited Activities

You agree not to engage in any of the following prohibited activities:

  • Using our website for any purpose that is unlawful or prohibited by these Terms and Conditions
  • Attempting to gain unauthorized access to any portion of our website, server, or computer systems
  • Circumventing, disabling, or interfering with security-related features of our website
  • Using any automated means, including bots, crawlers, or scrapers, to access or collect data from our website
  • Impersonating another person or entity or misrepresenting your affiliation with a person or entity
  • Uploading or transmitting viruses, malware, or other malicious code
  • Interfering with or disrupting the operation of our website or servers
  • Engaging in any activity that could damage, disable, overburden, or impair our website

4. Content and Intellectual Property

4.1 Ownership

All content on our website, including but not limited to text, graphics, logos, images, videos, data compilations, and software, is the property of Singapore Economic Insights or our content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

4.2 Limited License

We grant you a limited license to access and view our content for personal, non-commercial use only. You may not:

  • Reproduce, duplicate, copy, sell, resell, or exploit any portion of our website or content
  • Use our content for any commercial purpose without our express written consent
  • Modify, translate, adapt, or create derivative works based on our content
  • Remove any copyright, trademark, or other proprietary notices from our content
  • Transfer the content or your rights to access the content to another person

4.3 Trademarks

The name "Singapore Economic Insights," our logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Singapore Economic Insights or our affiliates. You may not use these marks without our prior written permission.

4.4 User Content

If you submit any content to our website (such as comments, feedback, or survey responses), you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media. You represent and warrant that you own or control all rights to the content you submit and that such content does not violate these Terms and Conditions.

5. Subscriptions and Payments

5.1 Subscription Options

We offer various subscription plans that provide access to premium content and services. The features, pricing, and terms of each subscription plan are described on our website at the time of purchase.

5.2 Payment Terms

By subscribing to our paid services, you agree to pay all fees associated with your subscription plan. All payments are processed through secure third-party payment processors. You agree to provide accurate and complete payment information and authorize us to charge your chosen payment method for the subscription fees.

5.3 Subscription Renewal

Unless otherwise specified, subscriptions automatically renew at the end of each subscription period (monthly, quarterly, or annually) at the then-current rate. You may cancel your subscription at any time before the renewal date to avoid being charged for the next subscription period.

5.4 Price Changes

We reserve the right to adjust pricing for our subscriptions at any time. If we change the pricing for your subscription, we will notify you before the change takes effect. Your continued use of the service after the price change constitutes your agreement to pay the new price.

5.5 Cancellation and Refunds

You may cancel your subscription at any time through your account settings or by contacting our customer support team. For information on refunds, please refer to our Refund Policy.

6. Disclaimer of Warranties

6.1 Content Accuracy

While we strive to provide accurate and up-to-date information, we do not warrant that the content on our website is accurate, complete, reliable, current, or error-free. The content is provided for general information purposes only and should not be relied upon as financial, investment, or professional advice.

6.2 No Investment Advice

The information provided on our website is for informational and educational purposes only and does not constitute investment, financial, or professional advice. Before making any investment or financial decisions, you should consult with a qualified financial advisor or other professional.

6.3 Website Availability

We do not guarantee that our website will be available at all times or that access will be uninterrupted or error-free. We reserve the right to suspend or restrict access to our website for maintenance, updates, or other reasons without notice.

6.4 General Disclaimer

OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SINGAPORE ECONOMIC INSIGHTS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, OUR WEBSITE OR SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS AND CONDITIONS, OUR WEBSITE, OR SERVICES EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OUR WEBSITE OR USING OUR SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

8. Indemnification

You agree to indemnify, defend, and hold harmless Singapore Economic Insights, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or relating to:

  • Your access to or use of our website or services
  • Your violation of these Terms and Conditions
  • Your violation of any third-party rights, including intellectual property rights
  • Any content you submit, post, or transmit through our website
  • Your violation of any applicable laws or regulations

9. Third-Party Links and Content

Our website may contain links to third-party websites, services, or content that are not owned or controlled by Singapore Economic Insights. We do not endorse or assume any responsibility for any third-party websites, services, or content. We are not responsible for the availability, accuracy, or completeness of any third-party websites, services, or content.

Your access to and use of any third-party websites, services, or content is at your own risk and is subject to the terms and conditions and privacy policies of such third parties. We encourage you to review the terms and privacy policies of any third-party websites you visit.

10. Governing Law and Dispute Resolution

10.1 Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law principles.

10.2 Dispute Resolution

Any dispute arising out of or relating to these Terms and Conditions, our website, or services shall be resolved through the following process:

  1. Informal Negotiation: We encourage you to contact us first to seek an informal resolution of any disputes.
  2. Mediation: If informal negotiation is unsuccessful, the parties agree to engage in mediation with a mutually agreed-upon mediator.
  3. Arbitration: If mediation is unsuccessful, any dispute shall be resolved through binding arbitration in accordance with the rules of the London Court of International Arbitration.

10.3 Jurisdiction

Any legal action or proceeding arising out of or relating to these Terms and Conditions shall be brought exclusively in the courts located in the United Kingdom, and you consent to the personal jurisdiction of such courts.

11. Termination

We reserve the right to terminate or suspend your access to our website or services, in whole or in part, at any time and for any reason, without notice or liability. Upon termination:

  • Your right to access and use our website and services will immediately cease
  • Any provision of these Terms and Conditions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability
  • If you have a paid subscription, we may provide a prorated refund for the unused portion of your subscription period, at our discretion

12. Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time, effective upon posting the updated terms on our website. Your continued use of our website or services after any such changes constitutes your acceptance of the new Terms and Conditions.

We will make reasonable efforts to notify you of any material changes to these Terms and Conditions, such as through a notice on our website or an email to the email address associated with your account.

It is your responsibility to review these Terms and Conditions periodically to stay informed of any updates. The date at the top of this document indicates when these Terms and Conditions were last updated.

13. Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent necessary, and the remaining provisions of these Terms and Conditions will continue in full force and effect.

14. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices or guidelines published by us on our website, constitute the entire agreement between you and Singapore Economic Insights regarding your access to and use of our website and services, and supersede all prior agreements, representations, and understandings.

15. Contact Information

If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us at:

Singapore Economic Insights
Studio 57t Linda Via East Adamtown
London, SE1 7DB
United Kingdom

Email: legal@singaporeeconomicinsights.com
Phone: +446769214113

We will make every effort to respond to your inquiry promptly.