These terms of use (“Terms”) are offered to you by Virbank Pte. Ltd. (“us”, “we” and “our”) and govern your use as a user to www.virbank.com and/or other online platforms managed by us (our “Sites”). All access to and use of and/or continued access to and use of our Sites signify your acceptance to these Terms. If you do not accept and agree to these Terms, you should immediately stop using, accessing and/or visiting our Sites.
We reserve the right to amend, change or modify these Terms at any time without notice and any amendment will take effect immediately at the time of posting. Accordingly, you should read the Terms from time to time in case of any amendment. By continuing to use and/or access to our Sites following the amendment or modification, you will be deemed to accept such amendment or modification. Any violation of the Terms will result in the termination of the access to and use of our Sites.
We may update our Sites from time to time and may change the content at any time. However, please note that any of the content on our Sites may be out of date at any given time and we are under no obligation to update it. We do not guarantee that our Sites or any content contained therein will be free from errors or omissions.
We do not guarantee that our Sites or any content contained therein will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our Sites without notice. We will not be liable to you if for any reason our Sites are unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our Sites.
If you choose or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential and not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms. If you know or suspect that anyone other than you knows your identification code or password, you must promptly notify us.
We are the owner or the licensee of all intellectual property rights contained in our Sites. The copyright to the contents on our Sites is owned by or licensed to us, excluding those intellectual property rights of vendors who have authorised us to use and reproduce the content on our Sites.
All rights are reserved. The reproduction of any content from our Sites in part or in its entirety is strictly prohibited and the contents and materials shall not be adapted, modified, translated, published, recopied, transmitted, distributed or otherwise in any other form without our prior written consent. If you print off, copy or download any part of our Sites in breach of these Terms, your right to use our Sites will cease immediately and you must at our option, return or destroy any copies of the materials you have made. We reserve the rights to bring any action arising from the improper or unauthorised use of our Sites, including any action for infringement of our intellectual property rights.
The content presented on our Sites serves solely as a source of general information and should not be construed as advice upon which you should rely.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Sites or any content contained therein, whether express or implied. We will not be liable to you for any loss or damage, whether in contract, tort, breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with the use of, or inability to use our Sites or any reliance on any information displayed on our Sites.
We have carried out all reasonable precautions to ensure that any information posted on our Sites is free of viruses or anything else that may interfere with or damage the operations of the user’s computer systems. However, we accept no responsibility for, and hereby exclude all forms of liability, to the maximum permitted extent under applicable laws, for loss or damage, caused by or resulting from interference with or damage to your computer system which occurs in connection with the use of our Sites or any external websites linked to our Sites.
Where our Sites contain links to other websites and resources provided by third party, these links are provided for your information only and use of these websites is at your own risk. We have no control over and not responsible for the contents of third party’s websites or resources.
These Terms are effective until terminated and/or otherwise replaced by us. We may terminate your access to our Sites at any time without notice. In the event of termination, all Terms which are intended to survive the termination will continue to be valid and binding. Termination of these Terms shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination, including the right to claim damages in respect of any breach of the Terms which existed at or before the date of termination.
These Terms shall be governed by, construed and enforced by law of Singapore.