Welcome to our site at www.asianmoneyguide.com. Please read the following Website Terms and Conditions carefully (collectively “Website Conditions”) before using this Site and/or the Services (both defined below), so that you are aware of your legal rights and obligations with respect to Tickled Media Private Limited and/or its related entities, affiliates and subsidiaries (individually and collectively, “TICKLED MEDIA PTE LTD”).

By your (or where Clause 1.1.2(iii) applies, your child’s or ward’s) access of this Site and/or use of the Services, you hereby agree to be legally bound by these Website Conditions. If you do not accept these Website Conditions, please leave the Site and discontinue use of the Services immediately.

1. Agreement

1.1 You hereby represent and warrant that:

1.2.1 you have read and agree to these Website Conditions and our Privacy Policy;

1.2.2 you are at least 18 years old and have the necessary legal capacity, right, power and authority to agree to these Website Conditions and you are either;

(i) accessing this Site, using the Services and contracting in your own personal capacity;

(ii) accessing this Site, using the Services and contracting on behalf of a corporate entity; or

(iii) contracting as parent or guardian of a child or ward who is less than 18 years old and who is accessing this Site and using the Services, in which event you agree as his/her parent/guardian, both in your personal capacity and on behalf of your child/ward, to be bound by these Website Conditions and to be liable for your child’s or ward’s acts and omissions while accessing the Site and/or using the Services, and you also agree to ensure that your child or ward observes these Website Conditions;

1.2.3 you are authorised to bind the entity (yourself or your corporate entity) on whose behalf you are contracting and such entity agrees to be bound by these Website Conditions; and

1.2.4 all of the information provided by you to TICKLED MEDIA PTE LTD (including without limitation personal particulars and contact information) is accurate and complete.

1.2 TICKLED MEDIA PTE LTD reserves the right to change, modify, suspend or discontinue the whole or any portion of the Services or Site at any time. TICKLED MEDIA PTE LTD may also impose limits on certain features or restrict your access to parts or the entire Services or Site without notice or liability.

1.3 TICKLED MEDIA PTE LTD may from time to time vary or amend these Website Conditions by posting the amended Website Conditions at this Site. Any use of the Services after the amendment of these Website Conditions will be deemed to be acceptance of the amended Website Conditions by you. If you do not agree to the amended Website Conditions, you have the right to close your Account and/or cease using the Services.

2. Definitions

2.1 In this Agreement, the following definitions shall apply unless the context does not permit such application:

“Account” means a registered account of a Member opened under this Site.
“Agreement” means the agreement formed by these Website Conditions and the Privacy Policy, and in the case of a Member, by these Website Conditions, the Privacy Policy and the Member Conditions.
“Computer” means your computer, notebook computer, personal digital assistant, mobile phone or other electronic device used to access this Site or the Services.
“Content” means materials, information, news, advertisements, listings, data, input, text, songs, audio, video, pictures, graphics, software, blogs, webcasts, podcasts, broadcasts, messages, software, comments, suggestions, ideas and other content.
“Linked Sites” is defined in Clause 8.1.
“Member” means a registered member of the Site.
“Member Conditions” means the terms and conditions applicable to Members accessible here.
“Servers” means the computer software, systems and servers hosting, operating, managing, providing or contributing to the Site and the Services.
“Services” is defined in Clause 3.2.
“Site” means the TICKLED MEDIA PTE LTD website containing the link to these Terms & Conditions.
“TICKLED MEDIA PTE LTD Content” means all Content of TICKLED MEDIA PTE LTD that is made available on or via this Site.
“Third Party Products” means products and services of third parties, including other users, advertised on or available at the Site or websites linked from the Site.
“Third Party User Content” means all User Content which is not created, transmitted, posted or uploaded by you.
“User Content” means all Content on this Site which is created, transmitted, posted or uploaded by a user of the Site.

2.2 The words “include” and “including” shall not be construed as having any limiting effect.

2.3 The headings in this Agreement do not have any legal effect nor shall they affect the construction of this Agreement in any way.

3. Site and Services

3.1 The Site is owned and maintained by TICKLED MEDIA PTE LTD.

3.2 TICKLED MEDIA PTE LTD may offer one or more of the following services on or through the Site (each a “Service” and collectively the “Services”):

3.2.1 access to a collection of information, news, data, text, listings, graphics, images, videos, audio files, podcasts, webcasts and other types of works;

3.2.2 search engines or tools;

3.2.3 a platform to create, upload and publicly make available personalised content;

3.2.4 an advertising and branding platform;

3.2.5 message boards, groups, forums, blogs, communication tools;

3.2.6 a social networking platform;

3.2.7 email alerts; and

3.2.8 any other features, content or applications that TICKLED MEDIA PTE LTD may offer at the Site from time to time in its sole and absolute discretion.

3.3 You acknowledge and agree that to access and use certain Services, you will be required to register as a Member and additionally shall be bound to strictly comply with the Member Conditions in addition to these Website Conditions.

3.4 From time to time TICKLED MEDIA PTE LTD will run competitions, promotions and surveys at the Site. These are subject to additional terms and conditions that will be made available at the time they are run.

4. Content Use Conditions

4.1 You may not reproduce, modify, adapt, translate, publish, display, communicate, transmit, broadcast, podcast, webcast, distribute, sell, trade or exploit for any commercial or other purposes, any portion of, or any access to:

4.1.1 any Service;

4.1.2 the Site;

4.1.3 any TICKLED MEDIA PTE LTD Content except, to the extent permitted, with the prior written consent of TICKLED MEDIA PTE LTD or unless expressly permitted in these Website Conditions; or

4.1.4 any Third Party User Content except, to the extent permitted, with the prior written consent of TICKLED MEDIA PTE LTD and the owner or licensee of the specific User Content.

4.2 Without prejudice to the generality of Clause 4.1, you agree not to reproduce, display or otherwise provide access to the Services, TICKLED MEDIA PTE LTD Content, or Third Party User Content on another website or server, for example through framing, mirroring, linking, spidering, scraping or any other technological means (including any technology available in the future), without the prior written permission of TICKLED MEDIA PTE LTD.

4.3 You may for your personal, non-commercial use:

4.3.1 retrieve and display TICKLED MEDIA PTE LTD Content on any compatible device owned by you;

4.3.2 print a single copy of TICKLED MEDIA PTE LTD Content on paper (but not photocopy them); and

4.3.3 store such TICKLED MEDIA PTE LTD Content in electronic form on disk or on a mobile device owned by you (but not on any server or other storage device connected to a network).

4.4 All TICKLED MEDIA PTE LTD Content are the copyrighted work of TICKLED MEDIA PTE LTD or its content or software providers, and TICKLED MEDIA PTE LTD reserves and retains all rights in the TICKLED MEDIA PTE LTD Content. Use of some TICKLED MEDIA PTE LTD Content may be governed by the terms of an accompanying end user license agreement.

4.5 You may not decompile, reverse engineer or otherwise attempt to discover the source code of any TICKLED MEDIA PTE LTD Content available on the Site or through a Service except under the specific circumstances expressly permitted by law or TICKLED MEDIA PTE LTD in writing.

5. Intellectual Property

5.1 The copyright, patents, trade marks, registered designs and all intellectual property rights in the Services, the Site, and all TICKLED MEDIA PTE LTD Content, including without limitation the copyright in the compilation of all User Content, shall vest in and remain with TICKLED MEDIA PTE LTD.

5.2 The trademarks, logos and service marks (“Marks”) displayed on this Site are the property of TICKLED MEDIA PTE LTD or other third parties, and all rights to the Marks are expressly reserved by TICKLED MEDIA PTE LTD or relevant third parties. You are not permitted to use any Marks without the prior written consent of TICKLED MEDIA PTE LTD or such third party. TICKLED MEDIA PTE LTD and its subsidiaries aggressively enforce their intellectual property rights to the fullest extent of the law. The name of TICKLED MEDIA PTE LTD or any other Marks may not be used in any way, including in any advertising or publicity, or as a hyperlink without prior written permission of TICKLED MEDIA PTE LTD.

5.3 The domain name on which the Site is hosted on is the sole property of TICKLED MEDIA PTE LTD and you may not use or otherwise adopt a similar name for your own use.

5.4 If you have any questions or concerns about these Website Conditions or any issues raised in these Website Conditions or on the Site, please contact us at: info@tickledmedia.com

6. Online Conduct

6.1 You hereby undertake:

6.1.1 to comply with these Website Conditions, and such other notices or guidelines that may be posted on the Site by TICKLED MEDIA PTE LTD from time to time (which are hereby incorporated by reference into these Website Conditions);

6.1.2 not to use any Service or TICKLED MEDIA PTE LTD Content for any unlawful purpose, and to comply with all applicable laws and regulations, including without limitation, copyright law;

6.1.3 not to hack into, interfere with, disrupt, disable, over-burden or otherwise impair the proper working of the Site, Services or Servers, which shall include but is not limited to denial-of-service attacks, spoof attacks, session hacking, sniffing, tampering, reverse engineering or reprogramming; and

6.1.4 not to use the Account of another Member at any time, whether with or without his/her permission.

7. Disclaimers & Limitations

7.1 While we make every effort to ensure that all TICKLED MEDIA PTE LTD Content displayed on the Site is accurate and complete, we provide the TICKLED MEDIA PTE LTD Content for informative purposes and on an ‘as is’, ‘as available’ basis only without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, TICKLED MEDIA PTE LTD disclaims all warranties, express or implied, including, but not limited to, implied warranties of satisfactory quality, merchantability or fitness for a particular purpose, compliance with description, or the warranty of non-infringement. Without limiting the foregoing, TICKLED MEDIA PTE LTD does not warrant that the functions contained in or access to the Site, Services, TICKLED MEDIA PTE LTD Content or other content will be timely, uninterrupted or error-free or without omission, that defects will be corrected, or that the Site, Services, TICKLED MEDIA PTE LTD Content or the Servers are free of viruses or other harmful components, or that the download, installation or use of any TICKLED MEDIA PTE LTD Content in or with any Computer will not affect the functionality or performance of the Computer. TICKLED MEDIA PTE LTD does not warrant or make any representations regarding the use or the results of the use of the TICKLED MEDIA PTE LTD Content, the Services, the Site or the Servers in terms of their correctness, accuracy, completeness, reliability, or otherwise. You (and not TICKLED MEDIA PTE LTD) assume the entire cost of all necessary servicing, repair, or correction, including any defect, problem or damage in any Computer. You agree not to hold TICKLED MEDIA PTE LTD liable for the loss of any of your User Content that is due to any circumstances beyond the control of TICKLED MEDIA PTE LTD.

7.2 The data and information made available on the Site are of a general nature and do not purport, and shall not in any way be deemed, to constitute an offer or provision of any professional or expert advice. You should at all times consult a qualified expert or professional adviser to obtain advice and independent verification of the information and data contained herein before acting on it. Any arrangement made between you and a third party named on or linked to from these pages is at your sole risk and responsibility.

7.3 You acknowledge that it is not TICKLED MEDIA PTE LTD’s policy to exercise editorial control over, and to review, edit or amend any data, information, materials or contents of any User Content, posting, email or any information that may be inserted or made available on the Site by other users of the Services and that TICKLED MEDIA PTE LTD does not endorse and shall not be responsible for any such content.

7.4 You acknowledge and agree that TICKLED MEDIA PTE LTD does not endorse or recommend, is not an agent, reseller or distributor of, and has no control over Third Party Products, and TICKLED MEDIA PTE LTD hereby expressly disclaims all liabilities and responsibilities arising in relation to any Third Party Products whether available or advertised via the Site or on Linked Sites.

7.5 You agree that all statements, offers, information, opinions, materials, User Content, and Third Party Products, from other users and from advertisers and other third parties on this Site should be used, accepted and relied upon only with care and discretion and at your own risk, and TICKLED MEDIA PTE LTD shall not be responsible for any loss, damage or liability incurred by you arising from such use or reliance.

7.6 You also acknowledge and agree that some Services may enable other users to upload User Content to the Site, and that some of these may be offensive, annoying, unlawful, in breach of these Website Conditions, contain viruses or cause you damage. While we may remove any such User Content brought to our notice at our sole and absolute discretion, you acknowledge and agree that we cannot be responsible or liable for any User Content, and you agree to exercise access and use User Content only at your own risk and with care and discretion.

7.7 You agree that:

7.7.1 TICKLED MEDIA PTE LTD shall be entitled at any time, at its sole and absolute discretion and without prior notice, to add to, vary, terminate, withdraw or suspend the operation of the whole or any part or feature of the Site or Services without assigning any reason; and

7.7.2 access to or the operation of the Site, Servers and/or the Services may from time to time be interrupted or encounter technical or other problems and may not necessarily continue uninterrupted or without technical or other errors, and in any such event, TICKLED MEDIA PTE LTD shall not be liable for any loss, liability or damage which may be incurred as a result.

7.8 In no event shall TICKLED MEDIA PTE LTD be liable to you for any damages, losses, expenses, liabilities under any causes of action (whether in contract or tort including, but not limited to negligence, or otherwise) caused through the use of, or the inability to use, the TICKLED MEDIA PTE LTD Content, User Content, Services, Third Party Products, any Computers, the Site, or any other website. In the event that TICKLED MEDIA PTE LTD is liable for damages despite the foregoing provision, you agree that TICKLED MEDIA PTE LTD’s aggregate liability to you for any and all causes of action in relation to the TICKLED MEDIA PTE LTD Content, Services, Site, and the Agreement, shall not exceed the total amount of fees and charges paid by you for the Services to TICKLED MEDIA PTE LTD for the one (1) month period immediately preceding the time such liability arose.

7.9 Under no circumstances, including, but not limited to, negligence, shall TICKLED MEDIA PTE LTD be liable for any indirect, special, consequential, or incidental damages that result from the use of, or the inability to use, the TICKLED MEDIA PTE LTD Content, Services, Site, or any other website, even if TICKLED MEDIA PTE LTD or a TICKLED MEDIA PTE LTD authorised representative has been advised of, or should have foreseen, the possibility of such damages.

7.10 You agree that the above exclusions and limitations of liability enable the Services and the TICKLED MEDIA PTE LTD Content to be provided by TICKLED MEDIA PTE LTD at either reasonable costs or no costs to you.

8. Linked Sites

8.1 TICKLED MEDIA PTE LTD may provide links to other sites (“Linked Sites”) that may be of relevance and interest to users. TICKLED MEDIA PTE LTD has no control over, and is not responsible for the content on the Linked Sites or for any damage you may incur from the Linked Sites (including any virus, spyware, malware, worms, errors or damaging material contained in the Linked Sites) or the availability of any content on the Linked Sites, and you hereby irrevocably waive any claim against us with respect to the Linked Sites.

9. Data Use & Privacy

9.1 Please do not submit any personal information or data without first reading our Data Privacy Policy which explains our data use and privacy practices in detail.

10. Termination

10.1 You agree that TICKLED MEDIA PTE LTD has the right in its sole and absolute discretion and without notice to restrict, suspend, or terminate your Account and/or your access to all or any part of the Site or Services, without assigning any reason.

11. Notification of Infringement

11.1 TICKLED MEDIA PTE LTD reserves the right to investigate notices of copyright, trademark and other intellectual property infringement (“Infringement”) in respect of TICKLED MEDIA PTE LTD Content, User Content and other material on the Site (“Infringing Material”) and take appropriate action. If you believe that your work has been used or copied in a way that constitutes Infringement and such Infringement is occurring on this Site, please notify TICKLED MEDIA PTE LTD in writing immediately in the form and containing the information prescribed by the Singapore Copyright Act (Cap. 63) (“Infringement Notice”).

11.2 All Infringement Notices shall be sent to TICKLED MEDIA PTE LTD addressed as follows:

The Company Secretary
118B Telok Ayer Street

Singapore 068587

Tel: +65 6344 2865
Fax: + 65 6344 2357

Email: info@tickledmedia.com

11.3 TICKLED MEDIA PTE LTD will duly consider all Infringement Notices submitted in the above manner. In return, you agree that you shall not take any legal action or exercise any legal remedy you may have against TICKLED MEDIA PTE LTD in respect of any Infringing Material, unless you have first given TICKLED MEDIA PTE LTD the Infringement Notice and sufficient opportunity to remove the Infringing Material, and thereafter TICKLED MEDIA PTE LTD refuses or fails to remove the Infringing Material within a reasonable time. Where TICKLED MEDIA PTE LTD removes the Infringing Material in response to your Infringement Notice, you agree not to exercise and you hereby waive, any right of action against TICKLED MEDIA PTE LTD under applicable law which you may have in respect of any Infringing Material appearing on the Site prior to such removal by TICKLED MEDIA PTE LTD.

11.4 You acknowledge and agree that TICKLED MEDIA PTE LTD has no control and cannot undertake responsibility or liability in respect of Infringing Material appearing on Linked Sites or other third party sites.

12. Jurisdictional Issues

12.1 This Site is owned and operated by TICKLED MEDIA PTE LTD in Singapore. TICKLED MEDIA PTE LTD makes no representation that the Contents of the Site are appropriate or available for use in your location. Those who choose to access this Site from any location do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

13. Indemnity

13.1 You agree to indemnify and hold TICKLED MEDIA PTE LTD, and its subsidiaries, affiliates, officers, agents, partners, and employees, harmless from all claims, demands, actions, proceedings, liabilities (including statutory liability and liability to third parties), penalties, and costs (including without limitation, legal costs on a full indemnity basis), awards, losses and/or expenses, due to or arising out of:

13.1.1 any use of the Site or any Service;

13.1.2 your connection to the Site;

13.1.3 your breach of any terms and conditions of these Website Conditions;

13.1.4 your violation of any rights of another person or entity; or

13.1.5 your breach of any statutory requirement, duty or law.

14. Severability

14.1 If any provision of these Website Conditions is found to be illegal, void or unenforceable under any law that is applicable hereto or if any court of competent jurisdiction in a final decision so determines, these Website Conditions shall continue in force save that such provision shall be deemed to be deleted.

15. Relationship of Parties

15.1 Nothing in these Website Conditions shall constitute or be deemed to constitute an agency, partnership or joint venture between TICKLED MEDIA PTE LTD and you and neither party shall have any authority to bind the other in any way.

16. Waiver

16.1 No waiver of any rights or remedies by TICKLED MEDIA PTE LTD shall be effective unless made in writing and signed by an authorised representative of TICKLED MEDIA PTE LTD.

16.2 A failure by TICKLED MEDIA PTE LTD to exercise or enforce any rights conferred upon it by these Website Conditions shall not be deemed to be a waiver or variation of any such rights or operate so as to bar the exercise or enforcement thereof at any subsequent time or times.

17. Rights of Third Parties

17.1 Except as provided for in Clause 13, a person or entity who is not a party to this Agreement shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any term of this Agreement, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description.

18. Force Majeure

18.1 No party shall be liable for any failure to perform its obligations under this Agreement if the failure results from a Force Majeure Event (defined below), provided always that whenever possible, the affected party will resume that obligation as soon as the Force Majeure Event occasioning the failure ceases or abates.

18.2 For purposes of this Agreement, a “Force Majeure Event” is an event which is a circumstance or event beyond the reasonable control of a party which affects the general public in that party’s country or in the territory, and which results in the party being unable to observe or perform on time an obligation under this Agreement. Such circumstance or event shall include industrial action or labour disputes, civil unrest, war or threat of war, criminal or terrorist acts, government action or regulation, telecommunication or utility failures, power outages, fire, explosion, natural physical disasters, epidemic, quarantine restrictions, and general failure of public transport.

19. Governing Law & Jurisdiction

19.1 These Website Conditions and all matters relating to your access to, or use of, this Site and the Services shall be governed by and construed in accordance with the laws of Singapore including without limitation the provisions of the Singapore Evidence Act (Chapter 97) and the Electronic Transactions Act (Cap. 88), without giving effect to any principles of conflicts of law.

19.2 You hereby agree to submit to the non-exclusive jurisdiction of the Singapore courts.

(Last updated on 01 July 2014)

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