Website Terms And Conditions Of Use

1       About Our Terms And Conditions
1.1    These terms of use explain how you may use this website (the Site).
1.2   References in these terms to the Site includes the website: and all associated web pages.
1.3   You should read these terms and conditions carefully before using the Site.
1.4   By accessing or using this Site or otherwise indicating your consent, you agree to be bound by these terms and conditions and the documents referred to in them.
1.5   If you do not agree with or accept any of these terms, you should stop using the Site immediately.
1.6   If you have any questions about the Site, please contact us at the following:-

Sales Consultant : Silas
Tel: +65 8163 7365
Email address:
Address: 31 Raglan Grove, Singapore 556276

1.7   Definitions

Content – means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site;

Unwanted Submission – has the meaning given to it in clause 5.1;

Privacy Policy – means the policy [insert link to your Website privacy policy], which governs how we process any personal data collected from you;

We, us or our – means My Buddy Solutions Pte Ltd, company registration number [insert] and the registered office of which is at I Irvin Place, #05-03, Singapore 369546. References to us in these terms also includes our group companies from time to time;

You or your – means the person accessing or using the Site or its Content.

1.8   Your use of the Site means that you must also comply with our Privacy Policy.

2     Using The Site

2.1      The Site is for your personal and non-commercial use only.

2.2      You agree that you are solely responsible for:
2.2.1   all costs and expenses you may incur in relation to your use of the Site; and
2.2.2   keeping your password and other account details confidential

2.3     The Site is intended for use only by those who can access it from within Singapore. If you choose to access the Site from locations outside Singapore, you are responsible for compliance with local laws where they are applicable.
2.4    We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us at and/or use the Enquiries tool available at

2.5     We may prevent or suspend your access to the Site if you do not comply with any part of these Website terms and conditions, any terms or policies to which they refer or any applicable law.

3        Ownership, Use And Intellectual Property Rights

3.1     This Site and all intellectual property rights in it including but not limited to any Content are owned by us, our licensors or both (as applicable). Intellectual property rights means rights such as: copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We and our licensors reserve all of our and their rights in any intellectual property in connection with these terms and conditions. This means, for example, that we and they remain owners of them and free to use them as we and they see fit.
3.2      Nothing in these terms and conditions grants you any legal rights in the Site other than as necessary to enable you to access the Site. You agree not to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.
3.3      Trade marks: Picture1, FinancialBuddy and our trademarks and we may use other trade marks and trade names on this Site from time to time. The use of any trade marks on the Site is strictly prohibited unless you have our prior written permission.

4         Software

4.1     Software may be made available for you to download in order to help the Site work better. You may only use such software if you agree to be bound by the terms and conditions that apply to such software (this is sometimes known as an ‘end user licence agreement’ or ‘EULA’). You will be made aware of any terms and conditions that apply to the software when you try to download it. If you do not accept such terms and conditions, you will not be allowed to download the software. You should read any terms and conditions carefully to protect your own interests (they may contain provisions that set out what your legal responsibilities are when using software, what the software provider’s legal responsibilities are, and provisions that limit a software provider’s legal responsibilities to you).

4.2     All such software is solely for your personal use in a non-commercial manner.

4.3     Using the software in an unlawful way (such as reproducing or redistributing it in a way that breaches these terms and conditions and any others that apply to it) is expressly prohibited and may result in civil and criminal penalties.


5        Submitting Information To The Site

5.1      While we try to make sure that the Site is secure, we cannot guarantee the security of any information that you supply to us and therefore we cannot guarantee that it will be kept confidential. For that reason, you should not let us have any patentable ideas or patent applications, advertising or marketing suggestions, prototypes, or any other information that you regard as confidential, commercially sensitive or valuable (Unwanted Submissions). While we value your feedback, you agree not to submit any Unwanted Submissions.

5.2       We may use any Unwanted Submissions as we see reasonably fit on a free-of-charge basis (bear in mind that we have no way of knowing whether such information is confidential, commercially sensitive or valuable because we do not monitor the Site to check for these matters). Therefore, we will not be legally responsible for keeping any Unwanted Submissions confidential nor will we be legally responsible to you or anybody else for any use of such Unwanted Submissions.

5.3       You may submit user-generated content (User Content) and may communicate the User Content either to selected recipients or in public or semi-public areas, such as comments pages, chat rooms, message boards and/or news groups (collectively User Content Areas). We do not control User Content submitted nor are User Content Areas actively moderated. You are solely responsible for User Content as submitted by you and acknowledge that all User Content expresses the views of its respective authors, and not our views.

5.4        If you submit any User Content, you must:

(a)keep it relevant to the purpose of the User Content to which you submit it and the nature of any topic;

(b)not submit any User Content that is unlawful, threatening, abusive, libellous, pornographic, obscene, vulgar,
indecent, offensive or which infringes on the intellectual property rights or other rights of any third party;

(c)not submit any User Content that contains any viruses and/or other code that has contaminating or destructive elements; and

(d)not impersonate, or misrepresent an affiliation with, any person or entity.

5.5      You agree that, by submitting any User Content, you grant us and our affiliates a perpetual, irrevocable, worldwide, non-exclusive, royalty-free and fully sub-licensable right and licence to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such User Content (in whole or part) and/or to incorporate it in other works in any form, media or technology, and you waive any moral rights you may have in, or to be identified as the author, of such User Content.
5.6      Whilst we do not pre-screen User Content we reserve the right, in our sole discretion, to delete, edit or modify any User Content submitted by you and/or to close any discussion topic, at any time without notice to you.
5.7      Complaints about the content of any User Content must be sent to the contact details indicated in clause 1.6 above and must contain details of the specific User Content giving rise to the complaint.

6          Accuracy Of Information And Availability Of The Site

6.1       While we try to make sure that the Site is accurate, up-to-date and free from viruses, worms, trojan horses or other disabling or destructive contaminating codes, we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on this Site is at your own risk.

6.2        We may suspend or terminate operation of the Site at any time as we see fit.

6.3        Any Content is provided for your general information purposes only. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes.

6.4        While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times nor do we promise the uninterrupted use by you of the Site.


7          Hyperlinks And Third Party Sites

7.1       The Site may contain hyperlinks or references to third party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party site.


8        Limitation On Our Liability

8.1     We shall not be held responsible or liable for any incidental, special, indirect or consequential damages (including, but not limited to, damages for the inability to use the Site, loss of business, loss of profits, business interruption, corruption or loss of data, failure to transmit or receive any data) arising out of or related to your use or inability to use the Site or Software, or otherwise under or in connection with the provisions of this Contract even in the event of fault, tort (including negligence), misrepresentation, breach of contract, or breach of warranty, even if we have been advised of the possibility of such damages.
8.2     In the event that the laws of certain states or jurisdictions do not allow for the exclusion or limitation of liability for consequential or incidental damages, the above limitations may not apply to you. In such event the liability will be limited as far as legally possible under applicable laws.


9      Events Beyond Our Control

9.1    We shall have no liability to you for any breach of these terms caused by any event or circumstance beyond our reasonable control including, without limitation, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.


10     Indemnity

10.1   You agree to defend, indemnify and hold harmless, we and our affiliates from and against any and all third party claims, actions (whether civil or criminal), damages, liabilities, costs and expenses, including legal fees on a full indemnity basis, arising out of or relating to a breach of the terms of this Contract or otherwise relating to your use of the Site or any alleged violation of third party’s rights.


11     Personal Data

11.1   The collection, storage, use and transfer of your personal data submitted to us is governed by our Privacy Policy. In addition, by using the Site, you acknowledge that internet transmissions are never completely private or secure and that it is always possible that any message or information you send may be read or intercepted by others.


12    Rights of Third Parties

12.1   A person who is not a party to this Contract shall have no right under the Contracts (Rights of Third Parties) Act (Chapter 35B) to enforce any of its terms, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description.


13       Entire Agreement & Variation

13.1    This Contract constitutes the entire agreement between you and us and supersedes all prior agreements in connection with the subject matter of this Contract. This Contract shall not be amended varied modified or supplemented unless agreed by you and us in writing. We reserve the right to vary these terms and conditions from time to time. Our new terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these terms and conditions from time to time to verify such variations.


14        General

14.1     If any part of the terms of this Contract is found to be unenforceable it will not affect the enforceability of the remainder of the terms.

14.2    Our failure to require performance of any provisions in this Contract shall not affect our right at a later time to enforce compliance with the same.


15         Governing Law And Dispute Resolution

15.1      We will try to resolve any disputes with you quickly and efficiently.

15.2      If you are unhappy with us under this Contract please contact us as soon as possible.

15.3     This Contract shall be governed by and construed in accordance with the laws of Singapore and all disputes arising out of or in connection with this Contract shall be subject to the exclusive jurisdiction of the Courts of Singapore.