Terms and Conditions

The Siteowner provides Free and Content which are accessible only by sponsers.  The sponsers can pay using Paypal or contact siteowner at kohnk@singnet.com.sg to arrange alternative mode of payment.  The siteowner shall create the username and password for the sponser. In the event that the User wishes to change the password for whatever reason, the User shall notify the Siteowner at kohnk@singnet.com.sg to change the password. If the Siteowner has reasonable grounds for believing that the User has misused or is misusing the Password, the Siteowner may suspend the Userís access to the materials. The content provided are solely for the personal use of the User and the User shall not supply, modify, adapt, amend, incorporate, merge, or otherwise alter any content. The User expressly agrees that the downloading of any material from the Site is at the Userís own risk.  The Siteowner is not liable for any direct , indirect, consequential or punitive damages resulting from the User's use or downloading of material from the Site or any linked site.  While the Siteowner will use reasonable efforts to include accurate and up to date information on the Site, the Siteowner makes no warranties or representations as to its accuracy or completeness. The Siteowner is not responsible for any errors or omissions or for the results obtained from the use of such information. The information is provided with the understanding that the information does not constitute any form of advice, recommendation or arrangement by the Siteowner. The User must make their own decisions on whether or not to rely on any information posted on the Site. 

From time to time the Siteowner will make available to the User links from the site to third party sites. These sites are not in any way approved, checked, edited, vetted or endorsed by the Siteowner and the User agrees that the Siteowner shall not be responsible or liable in any way for the content, advertising or products available from such sites.  Any arrangements made between the User and any third party named on the Siteownerís Site are at the Userís sole risk and responsibility.  The Siteowner expressly disclaims any liability for third party information or opinions posted on this Site or any linked Sites that arises under criminal or civil laws relating to defamation, intellectual property, infringement, privacy, obscenity, or any other area of law.