{"id":3690,"date":"2023-03-26T07:06:02","date_gmt":"2023-03-26T07:06:02","guid":{"rendered":"https:\/\/inspol.com.sg\/?page_id=3690"},"modified":"2023-03-26T07:11:27","modified_gmt":"2023-03-26T07:11:27","slug":"terms-of-service","status":"publish","type":"page","link":"https:\/\/inspol.com.sg\/terms-of-service\/","title":{"rendered":"Terms of Service"},"content":{"rendered":"

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Terms of Service<\/h1>\n

Last Updated: 1 January 2021<\/em><\/p>\n

PLEASE READ CAREFULLY BEFORE USING THIS APPLICATION.<\/strong><\/p>\n

These Terms (the \u201cTerms<\/strong>\u201d), together with the documents referenced to herein, set forth the terms and conditions under which you may use this website\u00a0https:\/\/inspol.online\/<\/a><\/u>\u00a0\u00a0(our \u201cWebsite<\/strong>\u201d) and through which the Paid Content is sold by us to consumers through our Website.<\/p>\n

Please read these Terms carefully and ensure that you understand them before using our Website and\/or before purchasing any Paid Content.\u00a0Your agreement to comply with and be bound by these Terms is deemed to occur upon your first use of our Website, your signing up for an Account and when purchasing any Paid Content. If you do not agree to comply with and be bound by these Terms, you will not be able to create an account or purchase any Paid Content and you must stop using our Website immediately.<\/p>\n

The content provided in our Website is intended for general information purposes only and you should not rely on the information provided in our Website for the prevention or mitigation of risks or as an explanation of coverage or benefits under any insurance policy. These Terms apply to the use of our Website and do not change or alter any other contract or agreement between you and your insurers. Please refer to your policy documentation or contact your financial advisor, insurance agent or respective customer representative of your insurer for more information regarding any insurance policy. Terri Links Services does not deal or provide insurance of any kind whatsoever and serves only as a platform for storage of the details of your policies and as a search engine for available insurance policies provided in the market.<\/p>\n

Terri Links Services is not affiliated, associated, authorized endorsed by, or in any way officially connected with insurance provider or financial services provider, any of their subsidiaries or their affiliates, whether in Singapore or elsewhere.<\/p>\n

1.Definitions and Interpretation<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u201cAccount\u201d<\/strong><\/td>\nmeans an account required for a User to access and\/or use certain areas of our Website, as detailed in\u00a0Clause 3<\/u>;<\/td>\n<\/tr>\n
\u201cContent\u201d<\/strong><\/td>\nmeans any and all text, images, audio, video, scripts, code, software, databases and any other form of information capable of being stored on a computer that appears on, or forms part of, our Website;<\/td>\n<\/tr>\n
\u201cContract\u201d<\/strong><\/td>\nmeans a contract for the purchase of a Subscription to access Paid Content, as explained in\u00a0Clause 11<\/u>;<\/td>\n<\/tr>\n
\u201cPaid Content\u201d<\/strong><\/td>\nmeans digital content made available for sale via our Website;<\/td>\n<\/tr>\n
\u201cUser\u201d<\/strong><\/td>\nmeans a user of our Website;<\/td>\n<\/tr>\n
\u201cUser Content\u201d<\/strong><\/td>\nmeans any content submitted to our Website by Users including, but not limited to, Policy details, contact details of the user;<\/td>\n<\/tr>\n
\u201cPDPA\u201d<\/strong><\/td>\nmeans the Personal Data Protection Act of Singapore;<\/td>\n<\/tr>\n
\u201cSubscription\u201d<\/strong><\/td>\nmeans a subscription to our Website providing access to Paid Content;<\/td>\n<\/tr>\n
\u201cSubscription Confirmation\u201d<\/strong><\/td>\nmeans our acceptance and confirmation of your purchase of a Subscription;<\/td>\n<\/tr>\n
\u201cSubscription ID\u201d<\/strong><\/td>\nmeans the reference number for your Subscription; and<\/td>\n<\/tr>\n
\u201cwe\/us\/our\u201d<\/strong><\/td>\nmeans Terri Links Services<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
    \n
  1. In these Terms, unless the context otherwise requires, the following expressions have the following meanings:<\/li>\n
  2. Any words following the terms including, include, in particular or for example or any similar phrase shall be construed as illustrative and shall not limit the generality of the related general words.<\/li>\n
  3. In these Terms, any reference to any legal entity or individual person includes, where appropriate, a reference to its authorized agents, delegates, successors or nominees. Expressions in the singular form include the plural and vice versa.<\/li>\n
  4. No rule of law (or interpretation to the effect) that an ambiguity in a document is to be construed against the party drafting or preparing such document shall apply in respect of these Terms.<\/li>\n
  5. Any reference to any law, statute or regulation or enactment shall include references to any statutory modification or re-enactment thereof, or to any regulation or order made under such law, statute or enactment (or under such a modification or re-enactment).<\/li>\n
  6. The headings used in these Terms are for convenience of reference only and are not to affect the construction of, or to be taken into consideration in, interpreting these Terms.<\/li>\n<\/ol>\n

    2.Acknowledgements<\/p>\n

      \n
    1. The terms of these Terms apply to the Content and Paid Content accessible through our Website (the \u201cServices<\/strong>\u201d, which such Services shall come within the definition of our Website for the purposes of these Terms), including any and all updates, revisions, supplements, additions, amendments and variations, unless they come with separate terms, in which case those terms apply.<\/li>\n
    2. This Terms shall be read together with our\u00a0Privacy Policy<\/u><\/strong>\u00a0and any other agreement(s) that you agree to be bound by in the course of your use of our Website. If there is any conflict between any of these agreements, the latest of the agreements into which you have entered shall take precedence.<\/li>\n
    3. We reserve the right to update, revise, supplement and otherwise modify these Terms at any time.\u00a0Any such changes to these Terms will be effective immediately and the new terms may be displayed on-screen or by email and you may be required to read and accept them to continue your use of our Website. We will not be liable for any loss of data or consequential damage in the event of any temporary disruption and\/or denied access during any such update, revision, supplementation, modification, technical repair, software maintenance or otherwise change to the website and\/or Services.<\/li>\n
    4. Access to our Website is provided \u201cas is\u201d and on an \u201cas available\u201d basis. We may alter, update, suspend or discontinue our Website (or any part of it) at any time and without notice. We will not be liable to you in any way if our Website (or any part of it) is unavailable at any time and for any period.<\/li>\n
    5. We may update our Website which may upgrades, bug fixes, patches and other error corrections and\/or new features (collectively the \u201cupdates<\/strong>\u201d). The updates may also modify or delete in their entirety certain features and functionality. We have no obligation to provide any updates or to continue to provide or enable any particular features or functionality. You may not be able to use our Website until you have accepted any such amended, varied modified or new Terms. You agree and acknowledge that our Website or portions thereof may not operate properly should you fail to do so. All updates will be deemed part of our Website and be subject to all terms and conditions of these Terms.<\/li>\n<\/ol>\n

      3.Accounts<\/p>\n

        \n
      1. Certain parts of our Website (including the ability to purchase Paid Content from us) may require an Account in order to access them.<\/li>\n
      2. You may not create an Account if you are under 18 years of age. If you are under\u00a0eighteen (18) years\u00a0<\/strong>of age and wish to use the parts of our Website that require an Account, your parent or guardian should create the Account for you and you must only use the Account with their supervision.<\/li>\n
      3. When creating an Account, the information you provide must be accurate and complete. If any of your information changes at a later date, it is your responsibility to ensure that your Account is kept up-to-date.<\/li>\n
      4. We recommend that you choose a strong password for your Account, consisting of a combination of lowercase and uppercase letters, numbers and symbols. It is your responsibility to keep your password safe. You should not share your Account with anyone else. If you believe your Account is being used without your permissions, please contact us immediately at\u00a0support@inspol.online<\/a><\/u>\u00a0\u00a0we will not be liable for any unauthorized use of your Account.<\/li>\n
      5. You must not use anyone else\u2019s Account without the express permission of the User to whom the Account belongs.<\/li>\n
      6. Any personal information provided in your Account will be collected, used and held in accordance with your rights and our obligations under the PDPA. Please refer to our\u00a0Privacy Policy<\/u><\/strong>\u00a0for more information on how we collect, use and store your personal data.<\/li>\n
      7. If you wish to close your Account, you may do so at any time. Closing your Account will result in the removal of your information.\u00a0Your personal data will be held for\u00a0thirty (30) days<\/strong>\u00a0after closing your Account and thereafter be deleted permanently. Closing your Account will also remove access to any areas of our Website requiring an Account for Access. Any Paid Content you have purchased under your Account will no longer be accessible to you and no refunds will be given for any unexpired term for such Paid Content or Subscriptions.<\/li>\n
      8. If you close your Account, any User Content you have created on our Website will be anonymized by removing your username.<\/li>\n<\/ol>\n

        4.Acceptable Use Policy<\/p>\n

          \n
        1. You may only use our Website in a manner that is lawful and that complies with the provisions of this\u00a0Clause 4<\/u>. Specifically:\n
            \n
          1. you must ensure that you comply fully with any and all local, national or international laws and\/or regulations;<\/li>\n
          2. you must not use our Website in any way, or for any purpose, that is unlawful or fraudulent;<\/li>\n
          3. you must not use our Website to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and<\/li>\n
          4. You must not use our Website in any way, or for any purpose, that is intended to harm any person or persons in any way.<\/li>\n<\/ol>\n<\/li>\n
          5. When submitting User Content (or communicating in any other way using our Website), you must not submit, communicate or otherwise do anything that:<\/li>\n
          6. is sexually explicit;<\/li>\n
          7. is obscene, deliberately offensive, hateful or otherwise inflammatory;<\/li>\n
          8. promotes violence;<\/li>\n
          9. promotes or assists in any form of unlawful activity;<\/li>\n
          10. discriminates against, or is in any way defamatory of, any person, group or class of persons, race, gender, religion, nationality, disability, sexual orientation or age;<\/li>\n
          11. is intended or otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;<\/li>\n
          12. is calculated or is otherwise likely to deceive;<\/li>\n
          13. is intended or otherwise likely to infringe (or threaten to infringe) another person\u2019s right to privacy;\n
              \n
            1. misleadingly impersonates any person or otherwise misrepresents your identity or affiliation in a way that is calculated to deceive (obvious parodies are not included within this definition provided that they do not fall within any of the other provisions of this\u00a0Clause 4.2<\/u>);<\/li>\n
            2. implies any form of affiliation with us where none exists;<\/li>\n
            3. infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, patents, trademarks and database rights) of any other party; or\n