User terms



1. General
2. Account Registration
3. Rights and Restrictions
4. Technical Requirements and Consents
5. Assistance and Contacting Us
6. Contents on Our App
7. Subscription and payment
8. Services from our Content Creators
9. Hyperlinks, Security and Risks
10. Disclaimers and Limitations
11. Indemnity
12. Confidentiality and Privacy
13. Termination
14. Jurisdiction and Miscellaneous


1. GENERAL

1.1 The terms of this user agreement (“Terms”) govern your access and use of our mobile application and its programs, software, services, content and information (collectively, our “App”). If you do not accept any of these Terms, please do not download or use our App. Your access and/or use of our App shall be deemed to be an acceptance of these Terms.

1.2 In these Terms, “we”, “us” and “our” refers to Tigerhall Pte Ltd (“Tigerhall”), a company incorporated under the laws of Singapore. “You” and “your” refers to any person who (a) has registered for an account on our App; and/or (b) accesses or uses our App without registering for an account.

1.3 We may revise these Terms at any time without notice to you. The revised Terms will take effect when notified to you.

1.4 We may modify or discontinue any information or features that form part of our App at any time, without notice to you, and without liability. We may also, in our discretion, cease to operate our App at any time, but will give you advance notice of such intention.

1.5 These Terms apply to any updates or upgrades provided by us that replace and/or supplement any part of our App, unless such updates or upgrades are accompanied by separate terms in which case those separate terms shall apply.

1.6 Our App may contain guidelines and instructions on your use of our App. You agree to comply with these guidelines and instructions, which are incorporated by reference into these Terms.

2. ACCOUNT REGISTRATION

2.1 You are required to apply and register for an account with us before you are entitled to access and/or use certain features of our App.

2.2 You represent and warrant that:

a. all registration information provided by you is true, accurate, current and complete to the best of your knowledge and belief;

b. you will promptly update any changes to your registration details; and

c. you are at least eighteen (18) years of age and have the requisite mental and legal capacity in accordance with the applicable laws of Singapore to enter into these Terms and use our App.

2.3 We reserve the right to reject your application for, suspend your use of, or terminate your account.

2.4 When registering for an account, you may be required to provide us with personal information (such as your name, email address, credit card details etc.) in accordance with instructions given through our App. You represent and warrant that all information that you provide to us is accurate, true and complete. We may, if required or in accordance with applicable laws, check and verify the information you have provided to us. You agree to cooperate and extend to us any assistance that we may require for such checks and verifications.

2.5 Upon successful registration of your account, you, as the account holder:

a. agree to keep your sign in details (including the name, email address, and/or social media account used to sign in) and password confidential; and

b. shall notify us immediately if you have any reason to believe that the security of your account has been compromised.

2.6 Your account is personal to you and you may not share your account with any other person. As the account holder, you are solely responsible for any and all activities which occur under or in connection with your account. We are entitled to treat all activities that occur under or in connection with your account as having been conducted with your knowledge and authority. Where you have (in breach of these Terms) allowed any other person to use your account, or have negligently or otherwise made your password and/or sign in details available to any other person, you agree that you are fully responsible for:

a. controlling such person(s)’ access to and use of our App; and

b. such person(s)’ conduct, actions and use of our App, including any purchases or subscriptions made.

2.7 You acknowledge and agree that we may access your account and its contents as necessary for purposes including but not limited to identifying or resolving technical problems or responding to complaints without prior notice to you.

3. RIGHTS AND RESTRICTIONS

3.1 We reserve the right to monitor the access and/or use of our App by any person and have the sole discretion to refuse access and/or use of our App by any person at any time without having to give any reason or any prior notice. Your access to and/or use of our App may also be interrupted, suspended or restricted when we provide any maintenance, support or other services in relation to our App.

3.2 Your access and/or use of our App is subject to your compliance with these Terms. With respect to the programs and software in our App, including our mobile application, you are granted, a limited, royalty-free, non-exclusive, personal, revocable and non-transferable, licence and right to use them for your own personal, non-commercial purposes. Our programs and software are licensed, not sold, to you, and you may only use them as permitted by these Terms. This licence does not transfer any title in our App to you. We retain all rights in our App and reserve all rights not expressly granted to you. You will not, and will not permit, any other party to reproduce, copy, modify, create derivative works from, reverse engineer, disassemble, decompile, or otherwise attempt to derive any source code, sell, offer for sale, use (except as authorised by us), assign, sub-license or otherwise exploit our App.

3.3 Our App includes content (including articles, e-books, podcasts, audio, video, and other forms of media) that you may access through our App. Certain content may only be accessible if you have an active paid subscription with us. With respect to our content, you are granted a limited, non-exclusive, non-transferrable right to only access and view the content for your personal and non-commercial use. The rights granted to you in respect of our content do not transfer any title in our content to you. We retain all rights in our content and reserve all rights not expressly granted to you. You will not, and will not permit any other party to:

a. simultaneously use and access our content across multiple devices;

b. use our content for public performances; or

c. translate, download, reproduce, copy, publish, distribute, modify, display, perform, archive, broadcast, create derivative works from, sell, offer for sale, use (except as authorised by us), license or otherwise exploit our content.

3.4 You will not, and will not permit any other party to:

a. use our App or its contents in connection with any defamatory, obscene, threatening, malicious or otherwise objectionable purpose or material, or any other purpose or material in violation of any statute, rule or regulation in any jurisdiction to which you are subject;

b. use our App or its contents in any way that violates or infringes the right of a third party, including, without limitation, contractual, moral, or privacy rights;

c. interfere or attempt to interfere with our App including, “flooding” of networks, deliberate attempts to overload a service, attempts to “crash” us and taking any action that imposes an unreasonable or disproportionately large load on the our App or the associated infrastructure;

d. circumvent, or attempt to circumvent, user authentication or security measures (“cracking”) of our App or any of the accounts any person, including, accessing data and/or information not intended for you, logging into an account you are not expressly authorised to access or in a manner which is not authorised by us;

e. use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine”, “crawl” or in any way gather our App and its contents or reproduce or circumvent the navigational structure or presentation of our App;

f. violate any applicable laws, rules or regulations in connection with your access or use of our App or its contents;

g. develop, distribute or sell any software or other functionality capable of launching, being launched from or otherwise integrated with our App; or

h. remove, alter or obscure any copyright notice or any other proprietary notice that appears on or in our App or its contents.

3.5 Our App and its contents and all proprietary and intellectual property rights associated therewith, whether registered or not, are protected by law and owned by or licensed to us. You acknowledge that you have no right, title, or interest in and to our App or its contents, and you agree not to challenge the validity of our ownership of or our rights to our App or its contents.

4. TECHNICAL REQUIREMENTS AND CONSENTS

4.1 You acknowledge and agree that the quality and functioning of our App on your mobile device is dependent on your mobile device, its operating system, and factors such as your geographical location and internet connectivity. You are solely responsible for obtaining a suitable mobile device installed with a compatible operating system, and the necessary connectivity services and/or equipment to access and use our App.

4.2 To enable us to provide the App to you, you consent to:

a. receiving electronic communications (including through push-notifications on your mobile device) associated with your use of our App.

b. our use of cookies and technologies to store and track information such as your frequency of use, user profile and online preferences, to assist us in analysing your usage of our App and to improve your experience with us. You may disable such cookies and technologies by changing the settings on your mobile device but this may affect your use of our App.

c. us collecting and using your device’s technical data and associated information, to facilitate the provision and improvement of our App, software updates and product support.

4.3 You represent and warrant that you will:

a. provide us with all necessary information as may be required by us in order to provide you with products, services, and functions through our App;

b. comply with all applicable laws and regulations with respect to your activities in connection with our App; and

c. comply with all applicable security or encryption standards, rules, procedures and guidelines.

5. ASSISTANCE AND CONTACTING US

5.1 We have no obligation to provide any maintenance, support or other services in relation to our App, including providing any telephone assistance, documentation, error corrections, updates, upgrades, bug fixes, patches, and/or enhancements. However, if we do provide any updates, upgrade, bug fixes and/or patches, and/or enhancements in respect of our App, you shall install them and keep your installation of our App updated to the most recent release or version made available by us.

5.2 Notwithstanding and without prejudice to Clause 5.1, you may contact us at [email protected] for customer support or more information about us or our App. We will use reasonable efforts to address your queries, but do not warrant that your queries will be responded to within any time frame and/or satisfactorily answered.

6. CONTENTS ON OUR APP

6.1 The contents of our App include articles, e-books, podcasts, audio, video, and other forms of media. The content available on our App may vary according to your geographic location and we may change such content from time to time, including by removing existing content or introducing new content.

6.2 THE CONTENTS OF OUR APP DO NOT PROVIDE OR PURPORT TO PROVIDE ANY PROFESSIONAL ADVICE, AND IS NOT TO BE RELIED UPON AS PROFESSIONAL ADVICE. WE DO NOT WARRANT OR REPRESENT THE TRUTH, ACCURACY, OR EFFECTIVENESS OF OUR CONTENT, OR THAT RELIANCE ON OUR CONTENT WILL LEAD TO ANY PARTICULAR RESULT, GOAL, OUTCOME, ACHIEVEMENT, OR OBJECTIVE. YOUR ACCESS TO AND USE OF THE CONTENTS OF OUR APP IS VOLUNTARY AND AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS, WE DISCLAIM ALL LIABILITY AND YOU ARE SOLELY RESPONSIBLE FOR:

a. YOUR RELIANCE ON SUCH CONTENT; AND

b. ANY LIABILITY, LOSS OR DAMAGE THAT YOU MAY INCUR THROUGH USE OF OR RELIANCE ON SUCH CONTENTS.

6.3 You may contact us with a request to remove content on our App if you have reasonable grounds to believe that the content:

a. is defamatory, obscene, threatening, malicious, incites hatred or contains any other objectionable material;

b. infringes intellectual property rights or any other proprietary rights or was posted in breach of confidentiality obligations; or

c. is illegal.

You shall provide us with the necessary information and documentation we require for us to assess whether your objections are valid. If we are convinced that your objections are valid, we will take steps to remove the content. You represent and warrant that all information provided in connection with such request by you shall be true, accurate and complete.

7. SUBSCRIPTION AND PAYMENT

7.1 Certain features and content on our App are only available if you have an active paid subscription with us. Information on our current paid subscription plans, the subscription fees, and the content that may be accessible with such plans, may be found in our App. We may change these plans and fees from time to time. The changes will take effect when notified to you through our App; provided that if you have an active paid subscription, any changes in our subscription fees will only take effect from your next billing cycle.

7.2 You are required to pay the subscription fees corresponding to your selected subscription plan, in accordance with the payment method and process that you have selected on our App. All subscription fees are billed and payable in advance.

7.3 You are required to provide us with valid payment details (e.g. credit card information) corresponding to your selected payment method. Upon provision of your payment details, you authorise us to charge the fees for your selected subscription plan to you. Any taxes or transaction fees arising in connection with your select payment method shall be borne by you, and may be charged together with the subscription fees.

7.4 Your subscription commences only when we receive payment of the applicable subscription fees. Your subscription will renew automatically, at intervals corresponding to your selected subscription plan, until your subscription is cancelled. You will be billed for the applicable subscription fees according to such intervals.

7.5 You may cancel your subscription at any time via our App. Upon cancellation, your subscription will continue until the end of the subscription period for which we have received your payment.

7.6 We may at any time terminate or suspend your subscription if we have not received payment of the applicable subscription fees. We may also terminate your subscription in accordance with Clause 13 below. In the event that we terminate your subscription without cause, you may seek from us a refund of your subscription fees, pro-rated with respect to the fees paid and the remaining period of subscription. Except as provided above, to the maximum extent permitted by applicable law, all subscription fees paid are non-refundable.

8. SERVICES FROM OUR CONTENT CREATORS

8.1 Our App may provide functionalities and services to allow you to obtain information about, and/or interact with, our content creators and procure their services, including e.g. events or mentoring services. Our content creators are independent of us and are not our employees or agents, and any services that they may provide to you are provided in their personal capacity.

8.2 For certain services provided by our content creators, we may, as a payment intermediary and agent for our content creators, collect payment from you for and on their behalf, through our App (and in accordance with such instructions presented on our App). Such payment facilitated by us for and on behalf of our content creators will in each case constitute payment by you to our content creators for the relevant service you have procured. Notwithstanding that we may operate as a payment intermediary between you and our content creators, our content creators are independent of and not related to us. Your procurement of services from our content creators is subject to separate terms as may be agreed between you and such content creators. WE DO NOT ENDORSE THE SERVICES FROM OUR CONTENT CREATORS, AND ARE NOT RESPONSIBLE AND DISCLAIM ALL LIABILITY FOR THEIR ACTS OR OMISSIONS, AND ANY DEALINGS BETWEEN YOU AND THEM, WHETHER OR NOT SUCH DEALINGS (OR PAYMENT FOR SUCH DEALINGS) HAVE BEEN FACILITATED OR CONDUCTED ON OR THROUGH OUR APP.

8.3 Where we are a payment intermediary for our content creators and the services you procure from them, you agree that:

a. if the services are cancelled after you have made payment, you may request for a return of your payment (less any applicable deductions for administrative and cancellation fees). If you cancel the services with less than three (3) working days’ notice, prior to the scheduled date for performance of the services, our content creators may impose a cancellation fee of up to fifty percent (50%) of the applicable service fees, which will be deducted from your payment; and

b. we will release your payment for the services to the relevant content creator after a period of [X] working days (“Dispute Period”) from when we are notified that the services have been performed. If there is a dispute between you and the content creator with respect to the services and we receive notification of a dispute within the Dispute Period, we will suspend release of the payment until resolution of such dispute. We are not responsible for and do not adjudicate disputes that may arise between you and any content creator with respect to such services. We deem a dispute to be resolved and will release payment when (a) you and the content creator reach agreement on how the payment is to be released; or (b) the dispute is resolved in accordance with an order from a court, tribunal, or authority of competent jurisdiction, following which we will release the payment in line with such agreement or order, after deductions for any applicable costs or fees.

8.4 We may place advertisements such as banners, java applets and/or such other materials for the purposes of advertising product and/or services (“Advertisements”) in different locations on our App and at different points during your use of our App. These locations and points may change from time to time. You will not be entitled to receive any payment, fee and/or commission in respect of the Advertisements. Nothing in our App shall be construed as our endorsement of any third party’s products or services.

9. HYPERLINKS, SECURITY AND RISKS

9.1 Our App may contain hyperlinks to other websites, applications, or other locations that are not operated or maintained by us. These hyperlinks are provided for your convenience and we do not, in any circumstances, approve, endorse or accept any responsibility for these locations. Your use and/or access to these locations are entirely at your own risk.

9.2 Where appropriate, we use available technology to protect the security of transactions and communications made through our App. However, you acknowledge that there are inherent risks (including risks related to security, authenticity, integrity and confidentiality) in electronic communications, messaging and conducting transactions over electronic networks, including interference or interception by third parties. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAWS, WE DISCLAIM LIABILITY FOR THE SECURITY, AUTHENTICITY, INTEGRITY OR CONFIDENTIALITY OF ANY TRANSACTIONS AND OTHER COMMUNICATIONS MADE THROUGH OUR APP.

10. DISCLAIMERS AND LIMITATIONS

10.1 OUR APP, INCLUDING ITS CONTENTS, IS PROVIDED “AS IS” AND “AS AVAILABLE” WITH NO WARRANTIES WHATSOEVER. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAWS, WE MAKE NO GUARANTEE, REPRESENTATION OR WARRANTY IN RELATION TO OUR APP (INCLUDING ITS CONTENTS),

a. REGARDING TIMELINESS, RELIABILITY, ACCURACY, COMPLETENESS, ACCESSIBILITY, QUALITY, FITNESS FOR A PARTICULAR PURPOSE, QUANTITY OF CONTENT, FREQUENCY OF UPDATES, OPERATION, EFFECTIVENESS, OR USEFULNESS;

b. THAT IT WILL BE CONTINUOUSLY AVAILABLE OR UNINTERRUPTED IN OPERATION;

c. THAT IT WILL NOT INFRINGE THE INTELLECTUAL PROPERTY OR OTHER PROPRIETARY RIGHTS OF ANY THIRD PARTY;

d. THAT IT WILL BE ERROR-FREE, UNHACKABLE, UNCOMPROMISABLE AND/OR FREE OF ANY DATA BREACH OR UNAUTHORISED ACCESS (INADVERTENTLY OR INTENTIONALLY THROUGH INTERFERENCE OR INTERCEPTION BY THIRD PARTIES);

e. THAT IT WILL BE FREE OF INFECTION BY VIRUSES, BUGS, TROJANS, MALWARE, OR OTHER HARMFUL CODES, SOFTWARE, OR COMPONENTS OF BUGS.

f. THAT IT WILL OPERATE OR FUNCTION PROPERLY ON YOUR DEVICES OR OPERATING SYSTEMS, OR WILL NOT CAUSE ANY DAMAGE TO YOUR DEVICES OR OPERATING SYSTEMS; OR

10.2 WE WILL NOT BE LIABLE FOR ANY LOSS, DAMAGE, EXPENSE OR COSTS:

a. THAT YOU MAY INCUR AS A RESULT OF YOUR USING OR RELYING ON ANY DATA, CONCLUSION, STATEMENT, OPINION, REPRESENTATION OR INFORMATION ON OUR APP;

b. THAT YOU MAY INCUR AS A RESULT OF YOUR DEALING WITH A THIRD PARTY SERVICE PROVIDER (INCLUDING OUR CONTENT CREATORS) THROUGH OR IN CONNECTION WITH OUR APP;

c. RESULTING FROM ANY DELAY IN OPERATION OR TRANSMISSION, COMMUNICATION FAILURE, INTERNET ACCESS DIFFICULTIES OR MALFUNCTION OF EQUIPMENT OR SOFTWARE;

d. ARISING OUT OF OR IN CONNECTION WITH ANY UNAUTHORISED ACCESS TO YOUR ACCOUNT ON OUR APP;

10.3 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

a. WE WILL NOT BE LIABLE, IN ANY CIRCUMSTANCES OR LEGAL THEORIES WHATSOEVER, FOR ANY LOSS OF DATA, BUSINESS, PROFITS OR GOODWILL, LOSS OF USE, INTERRUPTION OF BUSINESS, OR FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY CHARACTER, EVEN IF WE ARE AWARE OF THE RISK OF SUCH DAMAGES, THAT RESULT IN ANY WAY FROM YOUR USE OF, ACCESS TO OR RELIANCE ON OUR APP AND ITS CONTENTS.

b. YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY PROBLEMS OR ISSUES WITH OUR APP AND ITS CONTENTS, OR ANY BREACH OF THESE TERMS BY US, SHALL BE TO UNINSTALL AND STOP USING OUR APP. IN THE EVENT THAT NOTWITHSTANDING THE FOREGOING, WE ARE LIABLE TO YOU, OUR AGGREGATE LIABILITY TO YOU, REGARDLESS OF THE CAUSE OF ACTION, SHALL NOT, IN ANY EVENT OR FOR ANY REASON, EXCEED THE SUBSCRIPTION FEES PAID BY YOU TO US IN THE [SIX (6)] MONTH PERIOD PRECEDING THE INCIDENT GIVING RISE TO YOUR CLAIM AGAINST US.

11. INDEMNITY

11.1 You agree to indemnify us and our directors, officers, shareholders, employees, agents, sub-contractors and licensors (collectively the “Indemnified Persons”) in respect of any and all claims, losses, damages, expenses (including legal costs on a full indemnity basis), or liabilities (whether criminal or civil) and costs of settlement suffered or incurred by the Indemnified Persons or asserted against them in respect of:

a. any unauthorised access and use of our App by you;

b. any breach of these Terms by you;

c. our reliance on information, data or records provided by you in connection with your use of our App;

d. any dispute between you and a third party service provider (including our content creators) or another user of our App; and/or

e. the occurrence of any event due to your act, omission or default which comprises the security or integrity of our App or its contents.

12. CONFIDENTIALITY AND PRIVACY

12.1 You shall, at all times, keep confidential all information provided by us or on our behalf that is marked or is by its nature confidential or proprietary (“Confidential Information”). You shall not disclose or permit to be disclosed the Confidential Information to any third party without our prior written consent. These obligations of confidentiality do not apply to information that is publicly available, already in your possession without confidentiality restrictions or required to be disclosed by order of a court or the relevant governmental authorities.

12.2 Any personal data or information which you provide to us is subject to our Privacy Policy (available at www.tigerhall.com/privacypolicy), which is incorporated by reference into these Terms.

13. TERMINATION

13.1 We reserve the right to terminate your access to and/or use of our App, your account on our App, your subscriptions, and/or any licence or right that we grant to you, and without liability to you:

a. without cause, by providing you with fourteen (14) days prior notice; or

b. immediately without prior notice, if:

i. you are in breach or will be in breach of these Terms, and if the breach is remediable you have not remedied the breach to our satisfaction and within such time that we may reasonably stipulate;

ii. you have used or are using our App for any illegal or impermissible purpose or activity including any activity which may expose or potentially expose us to civil or criminal liability;

iii. we deem fit to do so for security reasons, or to protect our interests, the interests of our content creators, or the interests of other users of our App;

iv. we determine that your account is inactive; and/or

v. we are required to do so in compliance with any applicable law, or regulation, or we are ordered to do so by any enforcement, regulatory or other governmental authority.

14. JURISDICTION AND MISCELLANEOUS

14.1 Use of our App and these Terms are governed by the laws of Singapore, without reference to conflicts of laws rules.

14.2 Any dispute, claim, controversy or difference arising out of or in connection with these Terms or the use of our App, including on validity, breach or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the SIAC then in force, which rules are deemed to be incorporated by reference in this Clause. The language of the arbitration shall be English. The seat of the arbitration shall be Singapore. The arbitration tribunal shall consist of one (1) arbitrator. Notwithstanding the foregoing, parties shall be entitled to seek urgent temporary injunctive or other equitable relief whenever the facts or circumstances would permit a party to seek equitable relief.

14.3 We are not liable for any loss, damage or penalty resulting from delays or failures in performance if the delay or failure results from events beyond our reasonable control (a “Force Majeure Event”). Force Majeure Events shall include, but are not limited to, acts of God, war, hostility, invasion, act of foreign enemies, rebellion, revolution, riots, civil war, disturbances, requisitioning or other acts of civil or military authority, laws, regulations, acts or orders of any governmental authority, body, agency or official, fires, inclement weather, rain or floods (however caused), strikes, lock-outs or other labour disputes, epidemics, outbreaks, embargoes, breakdown of equipment, plant or machinery (including, but not limited to, data centre, telecommunications systems and utility services) or other catastrophe.

14.4 If any provision in these Terms is found invalid or unenforceable, that provision shall be enforced to the maximum extent possible, and the other provisions contained herein will remain in full force and effect. These Terms constitute the entire agreement between us in relation to the subject matter herein and supersede any and all prior or contemporaneous written or oral agreements or representations. Our failure to insist upon or enforce strict performance of any provision of these Terms shall not be construed as a waiver of any provision or right. Other than the Indemnified Persons, a person who is not a party to this these Terms shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce these Terms. You may not transfer or assign any of your contractual rights or obligations without our prior written consent. We may, by notice in writing to you, transfer or assign or novate any of our contractual rights and obligations.

  PRIVACY POLICY

1. ABOUT THIS POLICY

1.1. This policy sets out the manner in which we, Tigerhall Pte Ltd (“Tigerhall”), collect, use, disclose and process your personal data when you: access or use our applications, websites, and services (including the Tigerhall mobile application) (our “platforms”), or provide us with your personal data. In this policy, “we”, “us” or “our” refers to Tigerhall. Please do not access or use our platforms or provide any personal data to us if you do not accept this policy.

1.2. We may amend this policy from time to time without notice to you, in compliance with applicable laws or as we update our data usage and handling processes. The updated policy will supersede earlier versions and will apply to personal data provided to us previously. The updated privacy policy will take effect when made available to you through our platforms, including www.tigerhall.com.

2. COLLECTING PERSONAL DATA

2.1. What personal data we collect. We collect personal data that is relevant to our relationship with you. We may collect your personal data directly or indirectly through various channels, including when:

a. you use our platforms and services, or express interest in doing so;

b. you register an account with us through our platforms;

c. you respond to our promotions, or subscribe to our mailing lists;

d. you contact us or request that we contact you through various communication channels, for example, through our platforms, social media platforms, messenger platforms, face-to-face meetings, telephone calls, emails, fax and letters;

e. images of you are captured in photographs or videos taken by us or our representatives when you are within our premises or attend events organised by us;

f. we seek information about you and receive your personal data in connection with your relationship with us, for example, if you are a user of our platforms, or if you are involved in providing any service, content, or material through our platforms;

g. you submit your personal data to us for any other reason.

Depending on your relationship with us, we may also collect your personal data from third party sources, including:

a. our business partners, such as third parties providing services to us;

b. your family members or friends who provide your personal data to us on your behalf; and/or

c. public agencies or other public sources.

Our platforms may also contain or involve certain technologies that automate the collection of data (including personal data). These technologies include [cookies, web beacons and web analytics]. If you do not wish to have your data collected through such technologies you may disable the operation of these technologies on your devices (where possible), or you may refrain from using our platforms.

2.2. What personal data we collect from you. The personal data we may collect from you depends on the purposes for which we will be using the personal data and what you have chosen to provide, and may include your name; image; credit card details; contact information (such as email address); IP addresses; and other information that may identify you.

2.3. Providing personal data belonging to others. In certain circumstances, you may also provide us with personal data of persons other than yourself (such as your family members). If you do so, you are responsible for informing him/her of the purposes for which we are collecting his/her personal data and warrant that you are validly acting on his/her behalf to consent to your provision of his/her personal data to us.

2.4. Accuracy and completeness of personal data. You are responsible for ensuring that all personal data that you provide is true, accurate and complete, and to inform us of any changes to your personal data.

2.5. Voluntary provision of personal data. Your provision of personal data to us is voluntary and you have the right to withdraw your consent for us to use your personal data at any time by contacting us. Your withdrawal will take effect after your request is processed. However, if you do so, it may not be possible for us to fulfil the purposes for which we require the personal data, including providing services which you require from us.

2.6. Minors. If you are a child, minor or not of legal age, please inform and seek the consent of your parent or guardian, before you provide your personal data to us. If you are a parent or guardian and you have reason to believe your child or ward has provided us with their personal data without your consent, please contact us to request for erasure of their personal data.

3. WHAT WE DO WITH PERSONAL DATA

3.1. We collect, use, disclose and process your personal data where:

a. you have given us consent;

b. necessary to comply with our legal or regulatory obligations, e.g. responding to valid requests from public authorities;

c. necessary to support our legitimate business interests, provided that this does not override your interests or rights; and

d. necessary to perform a transaction you have entered into with us, or provide a service that you have requested or require from us.

3.2. Purposes. We collect, use, disclose and process your personal data for purposes connected or relevant to our business, including:

a. facilitating your use of our platform and services (including mentorship and event organisation services), content (including video, audio, and other media content), and other material (including e-books and articles);

b. carrying out a transaction with you or on your behalf;

c. providing and maintaining our platforms and services, including monitoring usage of our platforms and services;

d. authenticating, operating and maintaining your user accounts on our platforms;

e. assisting you with your enquiries and feedback;

f. administrative purposes, e.g. accounting, risk management and record keeping, business research, data, planning and statistical analysis, and staff training;

g. security purposes, e.g. detecting, preventing and addressing security and technical issues related to our platforms and services;

h. conducting data analytics to enable us to improve our platforms and services;

i. managing and engaging third parties or data processors that provide services to us, e.g. IT services, data analytics, messaging marketing, and other professional services;

j. carrying out our legitimate business interests (listed below); and

k. other reasonable purposes related to the above.

3.3. Legitimate business interests. Our legitimate business interests include:

a. managing our business and relationship with you, and providing services to, our users and customers;

b. protecting our rights and interests and those of our users and customers;

c. preventing and investigating possible misuse of our platforms and services;

d. understanding and responding to inquiries and feedback;

e. understanding how our users use our platforms, and services;

f. identifying what our users want and improving our platforms, services and offerings;

g. enforcing obligations owed to us, or protecting ourselves from legal liability; and

h. sharing data in connection with acquisitions and transfers of our business.

3.4. Marketing purposes. If you have provided us with your consent, we may use your personal data for the purposes of marketing our products, events and services, and those of our strategic partners and business associates, for example, by sending marketing communications to you through various means including emails and push notifications through our platforms. In order for us to market products, events and services which are of specific interest and relevance to you, we may analyse and rely on your personal data provided to us, or data collected from your interactions with us.

3.5. Use permitted under applicable laws. We may also collect, use, disclose and process your personal data for other purposes, without your knowledge or consent, where this is required or permitted by law.

3.6. Contacting you. When using your personal data to contact you for the above purposes, we may contact you via e-mail, telephone or any other means.

We will not contact you for marketing purposes unless with your consent, or we are exempted by applicable law from having to obtain consent. When contacting you for marketing purposes, we will not contact you through your telephone number, unless you have specifically consented to such a mode of communication. If you do not wish to receive any communication or information from us, or wish to restrict the manner by which we may contact or send you information, you may contact us.

4. DISCLOSURE OF PERSONAL DATA

4.1. We may disclose or share your personal data in connection with the purposes described in Section 3 above, including without limitation to the following parties:

a. our related parties and business partners

b. third parties who provide services to us, e.g. content creation, IT services, data analytics and other professional services; and

c. regulatory authorities, governments or public agencies.

When disclosing personal data to third parties, we will (where appropriate and required by applicable law) enter into contracts with these third parties to protect your personal data in a manner that is consistent with all applicable laws and/or ensure that they only process your personal data in accordance with our instructions.

5. CROSS-JURISDICTIONAL TRANSFERS

5.1. We may transfer your personal data in connection with the purposes described in Section 3 above:

a. from the jurisdiction where it is collected (or where you are located) to any other jurisdictions that we operate in; and

b. to third parties in other jurisdictions.

Where we transfer your personal data across jurisdictions, we will ensure that your personal data is treated securely in accordance with this policy and applicable laws regardless of the jurisdictions they are transferred to. For example, we may enter into contracts with recipients to protect your personal data. You may obtain details of these safeguards by contacting us.

6. PROTECTION OF PERSONAL DATA

6.1. Unauthorised access. While we take reasonable precautions to safeguard your personal data in our possession or under our control, we cannot be held responsible for unauthorised or unintended access that is beyond our control, such as hacking or cybercrimes. We do not guarantee that our platforms are invulnerable to security breaches, or that your use of our platforms is safe and protected from viruses, worms, Trojan horses, and other vulnerabilities. We also do not guarantee the security of data that you send to us electronically. Sending such data is at your own risk.

6.2. Period of retention. We retain your personal data only for as long as is necessary to fulfil the purposes we collected it for, and to satisfy our business and/or legal purposes, including data analytics, audit, accounting or reporting purposes. How long we keep your personal data depends on the nature of the data, e.g. we keep personal data for at least the duration of the limitation period for bringing claims if the personal data may be required to commence or defend legal proceedings. Some information may also be retained for longer, e.g. where we are required to do so by law. Typically, our data retention period is at least 6 years.

6.3. Anonymised data. In some circumstances we may anonymise your personal data so that it can no longer be associated with you, in which case we are entitled to retain and use such data without restriction, including for data analytics.

7. YOUR RIGHTS

7.1. Depending on the laws applicable to you, you may enjoy certain rights at law in relation to your personal data that we hold or control. Such rights may include:

a. Access: you may ask us if we hold your personal data and, if we are, you can request access to your personal data. This enables you to receive a copy of and information on the personal data we hold about you.

b. Correction: you may request that any incomplete or inaccurate personal data we hold about you is corrected.

c. Withdrawal of consent: you may withdraw consent for our use of your personal data.

If you are resident in the European Union, you may also enjoy certain rights, including:

a. Erasure: you may ask us to delete or remove personal data that we hold about you in certain circumstances.

b. Restriction: you may withdraw consent for our use of your personal data, or ask us to suspend the processing of certain of your personal data about you, for example if you want us to establish its accuracy.

c. Portability: you may request the transfer of certain of your personal data to another party under certain conditions.

d. Objection: where we are processing your personal data based on a legitimate interest (or those of a third party) you may object to processing on this ground.

7.2. Exercising your rights. If you wish to make exercise the rights available to you at law, you may contact us to do so. We may require that you submit certain forms, provide certain information (including to verify your identity) to process your request. Where permitted by law, we may also charge you a fee to process your request.

7.3. Limitations. We may be permitted under applicable laws to refuse your request to exercise your rights, for example, we may refuse a request for erasure where the personal data is required for in connection with claims. We may also refuse a request if you are seeking to exercise rights not available to you under applicable law.

8. CONTACT US

8.1. If you have any feedback or issues in relation to your personal data or this policy, we encourage you to contact us so that we can resolve your concerns. If you wish to make a formal complaint, you may also do so with any data protection regulator or authority having jurisdiction over us.

You can contact us at:

Data Protection Officer (DPO)
[email protected]