2.          By using the Site, you agree to be bound by the Terms, and consent to the collection, use, and disclosure of personal data as described in our Privacy Policy which is incorporated by reference into these Terms. You are advised to read the Terms and Privacy Policy located at https://www.ibf.org.sg/privacy-policy carefully before using the Site. If you do not agree to the Terms, please exit and leave the Site immediately.

3.          IBF reserves the right, at its absolute discretion without giving any prior notice, to make any changes to these Terms, the content, text, links, graphics, logos, icons, photos, audio, videos, or other materials uploaded, downloaded, or appearing on the Site (the “Content”), and the facilities and services that are made available through the Site, including transactions that are made via the Site (collectively, the “Services”).

4.          You acknowledge that these Terms shall remain in full force and effect for as long as you are receiving or accessing the Site or using the Services from us, and you acknowledge that your continued use of the of the Site shall constitute acceptance of these Terms.

5.          Where you are accessing the Site, using the Services, or viewing the Content on behalf of an entity, you represent and warrant that you are fully authorized to access or use the Site, its Services or the Content.

6.          These Terms & Conditions of Use may be changed from time to time at the sole discretion of the IBF. All changes will be posted on this page, and your use of this Site after such changes have been posted will constitute your agreement to the modified Terms & Conditions of Use and all of the changes. You should therefore read this page carefully each time you visit the Site.

7.          Nothing in these Terms shall create or be deemed to create a partnership, an agency, or a relationship of employer and employee between you and us.

ACCESS TO THE IBF PORTAL - LOGIN VIA PASSWORD

8.          You must create an account to log in, access, and use the IBF Portal, which enables you to use certain Services on the Site. By creating an account, you authorise us to collect and use certain information, including but not limited to your name, residential address, contact number, and nationality. 

SINGPASS LOGIN

9.           You may require a valid SingPass to create an account, log in, access, or use the IBF Portal. Upon the expiration or termination of your SingPass, you may not be able to log in to and access the IBF Portal. You are solely responsible for maintaining the confidentiality of your SingPass. You agree that you will not divulge or share access information of your SingPass and access to the Site and/or the IBF Portal using the same with any third party for any reason. During your first login to the IBF Portal, or any subsequent login, you may be prompted or required to enter additional information, including but not limited to your name, email address, and contact number. You represent and warrant that all information provided by you is accurate, current, and complete and undertake to maintain and update your information to keep it accurate, current, and complete.

10.          You may be issued with a login, password, or other details to enable you to access to the IBF Portal. These access details may be designed to protect your personal information or other confidential information.

11.          You acknowledge and agree that you must not disclose your login name, password, or any other access details to any person and that you must otherwise keep them safe and secure. You waive all claims for any loss arising out of access to a personal account, profile, or another part of this Site by a third party (whether authorised or not) as a result of any failure by you to keep your access details safe and secure.

12.         You acknowledge and agree that you are solely responsible for any transaction, communication, data, instruction or activity conducted through your SingPass Account, whether or not such transaction or activity is connected with your activity on the IBF Portal, and you are solely responsible for compliance with the terms of use of your SingPass account.

13.        You acknowledge that if any information by you is untrue, inaccurate, not current, or incomplete, IBF may suspend your access to the IBF Portal, its Content, and any of the Services without any liability to you.

INTELLECTUAL PROPERTY AND PROPRIETARY RIGHTS

14.        We own and/or are entitled to enforce all proprietary rights in the Site, and in all Content, copyright, trademarks, trade names, service marks, and other intellectual property rights related thereto. The Site contains copyrighted material, trademarks, and other proprietary information by us and/our licensors.  We reserve the right, with or without notice, at any time and in our sole discretion to block access to and/or terminate the accounts of any user who infringes or is alleged to infringe any copyrights or other intellectual property rights.

15.        All Content is owned and controlled by us and/or our licensors and is protected by worldwide copyright laws. You may download or review the Content strictly for non-commercial purposes only, for which we grant you a limited, non-exclusive, non-assignable, and non-transferable licence for that purpose, provided you comply with these Terms.

16.        You are not permitted to publish, manipulate, distribute, or otherwise reproduce, in any format, any of the Content or copies of the Content supplied to you or which appears on the Site nor use any such Content in connection with any business or commercial enterprise. We reserve the right to terminate the limited license granted by us if there is any unauthorized use of the Content.

17.        Trademarks not owned by us that appear on the Site are a property of their respective owners who may not be affiliated with or connected to us. You agree to comply with all copyright, trademarks, and other proprietary rights of such third parties when you use the Site. We will not be responsible for any copyright, trademark, or proprietary rights infringements caused by third party material on the Site.

18.       Graphics and images on this Site are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners.

THIRD PARTY CONTENT

19.       The Site may contain hyperlinks to websites or platforms operated by third parties. We do not control such websites or platforms and we do not review, control or monitor the materials found there. We are not responsible for their content or privacy practices. Such hyperlinks are inserted for convenience and reference only and are not an endorsement of material at those sites, or any associated organization, product or service.

20.       You are responsible to make your own decision about the accuracy, currency, reliability and correctness of information contained in linked external websites or apps. Information, data, programs or materials which are offensive, pornographic, unsuitable for minors’ access or otherwise of a criminal or violent nature may infiltrate or become accessible through the Site due to circumstances beyond our control and we make no representation as to the suitability of the information accessible for viewing by minors or any other persons.

21.       By using the Site, you will be assuming all risks associated with use of the Site including risk of your computer, software or data being damaged by any virus which might be transmitted to or activated via the Site or your access to it.

RESTRICTIONS ON USE OF INFORMATION AND MATERIALS

22.       Except as otherwise provided the Contents and Services, including for the avoidance of doubt the information embodied therein, accessible on the Site, shall not be reproduced, republished, uploaded, posted, transmitted, sold, or otherwise distributed in any way, without the prior written permission of IBF. In addition, the information, Contents and Services, including this Site may not be used for any illegal purpose or in any manner inconsistent with these Terms.

 23.      You may download one copy of any information provided in this Site onto a single computer for your own personal non-commercial use provided that you keep intact all accompanying copyright and other proprietary notices.

24.       Modification of any of the Services or Contents or use of the Services or Contents for any other purpose will be a violation of IBF's copyright and other intellectual property rights. 

USER CONTENT

25.       IBF is not responsible or liable for the conduct of users or the views, opinions, statements, and information expressed, uploaded, or submitted by users for display on the Site (“User Content”). User Content submitted to the Site may not screened.

26.       With respect to such User Content, the Site acts as a passive conduit for such distribution and IBF is not responsible for such User Content. Any opinions, advice, statements, services, offers, or other information in the Services provided by users are those of the respective author(s) or distributor(s) and not of IBF. We neither endorse nor guarantee the accuracy, completeness, or usefulness of any such User Content. IBF shall not be responsible for any breach of any contractual obligation or infringement of any third-party rights.

MONITORING

27.       IBF has the right, but not the obligation, to monitor User Content or the conduct of any user submitted through, posted on or viewable via the Site, to determine compliance with these Terms and any other applicable rules that we may establish, from time to time. IBF has the right in our sole discretion to edit or remove any material submitted to or posted in any online discussion forum or chat room provided through our Site, or to otherwise restrict the access of any user to any part of the Site.

TERMINATION

28.       IBF reserves all rights to deny or restrict access to this Site to any particular person, or to block access from a particular IP address to this Site, at any time, without ascribing any reasons whatsoever.

GENERAL DISCLAIMERS

29.       Under no circumstances will IBF be liable for any loss or damage caused by your reliance on any Content or the use of any Service.

30.      All Content, including User Content, as well as Services on or accessible from the Site are provided “as is” without warranty of any kind, either express of implied. To the fullest extent permitted by law, IBF hereby disclaims any warranty:

(a)     As to the accuracy, correctness, completeness, reliability, timeliness, non-infringement, title, merchantability of fitness for any particular purpose of the Content or the Services; and

(b)     That the Site, the Content, and the Services will be uninterrupted or error-free, or that defects will be corrected or that this Site and the server is and will be free for all viruses, worms, and/or other harmful or invasive elements.

31.      Neither IBF, nor our affiliates, and subsidiaries  shall be liable for any injury, damage, or loss of any kind caused as a result (direct or indirect) of the use of the Site, including but not limited to any injury, damage, or loss suffered a result of reliance on the Contents or usage of the Services on the Site. Neither IBF nor any of their respective third party agents shall have any responsibility or liability for any injury, damage, or loss caused by negligence, omission, or fault of IBF, and/or its employees, agents, or sub-contractors in connection with the Site.

32.       IBF disclaims any responsibility or liability for any loss caused to or damage suffered by you if any person should obtain possession of or control over your SingPass Account, any Designated Payment Method (as defined below) or Linked Service (as defined below) (collectively, “Platforms”), which results in the loss or compromise of information about you, personal data or any confidential information stored on or by these Platforms or the occurrence of unauthorized transactions on the IBF Portal in connection with these Platforms. You acknowledge and agree that you will at all times exercise reasonable care to prevent the loss, disclosure, unauthorised use or compromise of these Platforms in any transaction with IBF.

33.       All specific disclaimers, limitations and indemnities in these Terms shall not derogate from the generality of this Section.

LIMITY OF LIABILITY

34.       In no event shall IBF, its affiliates, officers, directors, agents, partners, employees, licensors, and/or representatives be liable to you or any other person or entity for any direct, indirect, special, incidental, consequential, or exemplary damages (including, but not limited to, damages for loss of profits, loss of data, loss of use, or costs of obtaining substitute goods or services) arising out of the use, inability to use, unauthorized access to, or use, or misuse of the Services or Site by you, any third party, or any other user,  whether based upon warranty, contract, tort (including negligence) or otherwise, even if IBF has been advised of the possibility of such damages or losses.

INDEMNIFICATION

35.       You hereby agree to indemnify, hold harmless, and defend to the fullest extent the Site, IBF, its affiliates, officers, directors, agents, partners, employees, licensors, and representatives against any claims, damages, losses, liabilities, and all costs and expenses of defence, including but not limited to, legal fees, resulting directly or indirectly from a claim  arising out of a breach by you or any user of your account of these Terms or arising out of a breach of your obligations, representation, and warranties under these Terms.

36.       Where you are an entity, you agree to defend, indemnify, and hold harmless to the fullest extent the Site, IBF, its parents, subsidiaries, and affiliates, and each of their respective officers, directors, employees, agents, and advisors from and against any and/or all claims, liabilities, costs, demands, causes of action, damages, and expenses including but not limited to attorneys’ fees and expenses, arising out of the breach of these Terms by your representatives or officers.

37.       Notwithstanding the indemnification given by you, IBF shall have the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you under this section and in such case, you agree to fully cooperate as reasonably required with such defence and in asserting any available defences.

USE OF COOKIE

38.       A cookie is a small text file that a website can send to your browser, which may then be stored on your system. We use cookies in some of our pages to collect information about users of our website (for example, store users’ preferences and record session information), and the information that we collect is then used to ensure a more personalised service level for our users. You can adjust settings on your browser, so that you will be notified when you receive a cookie. If you wish to disable the cookies associated with these technologies, you may do so by changing the settings on your browser. However, by doing so, you may not be able to use certain functions or enter certain sections of the Site.

NON-IBF LINKS & CONTENTS

39.       Solely for convenient purposes to users, this Site contains links to certain non-IBF sites in which their Terms Of Use may differ from those of the IBF. The IBF shall not be responsible for the contents and privacy practices of these other websites. Hence, we would like to suggest that you should consult their Terms Of Use accordingly.

LINKS TO THIS SITE FROM OTHER WEBSITES

40.       Except as set forth below, caching and links to, and the framing of this Site or any of the Services or Contents is prohibited.

41.       Linking to the home page - You may link to the home page of this Site, upon notifying IBF in writing. However, please note that IBF reserves the right to disable any link to the home page of this Site should IBF consider the link to be inappropriate.

42.       Hyper-linking to an internal page of this Site (not being the home page) -You must make a specific request for, and secure permission from IBF prior to hyper-linking to, or framing, this Site, the Services, or its Contents, or engaging in similar activities. IBF reserves the right to impose conditions when permitting any hyper-linking to, or framing of this Site, the Services, or its Contents

43.        Your linking to, or your framing of this Site, the Services, or its Contents constitute acceptance of these Terms. This is deemed to be the case even after the posting of any changes or modifications to these Terms. If you do not accept these Terms, you must discontinue linking to, or framing of this Site, the Services, or its Contents.

44.        In no circumstances shall IBF be considered to be associated or affiliated in whatever manner with any trade or service marks, logos, insignia, or other devices used or appearing on websites that link to this Site, the Services, or its Contents.

45.        IBF reserves all rights to disable any links to, or frames of any site containing inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful topics, names, material or information, or material or information that violates any written law, any applicable intellectual property, proprietary, privacy, or publicity rights.

46.        IBF reserves the right to disable any unauthorized links or frames and disclaims any responsibility for the content available on any other site reached by links to or from this Site, the Services, or its Contents.

TRANSACTIONS WITH IBF

47.        From time to time, you may be required to make certain payments to IBF, as the case may be, subject to terms and conditions that may be imposed by IBF from time to time.

48.        In order to enable payments to be made to IBF, we employ the use of the following payment methods only:- 

a) unique Quick Response code (“QR Code”) shared with you by IBF for the purposes of receiving payments ("PayNow QR Code"),

b) bank transfer to IBF’s designated bank account, or

c) via accepted credit or debit cards (the “Designated Payment Methods”)

49.       IBF accepts the use of all cards, digital or physical, supported on the VISA and Mastercard networks (“Cards”).

50.       IBF does not accept payments made in cash.

PRICING

51.        Unless otherwise provided, any pricing on this Site is:

a) reflected in Singapore Dollars (SGD); and

b) inclusive of taxes, including GST, where applicable.

BANK TRANSFERS

PAYNOW SERVICES

YOUR USE OF IBF PAYNOW SERVICE

PAYNOW QR

PAYNOW NRIC AND PAYNOW CORPORATE

CREDIT OR DEBIT CARDS

GOVERNING LAW

JURISDICTIONAL ISSUE

84.            You shall not assign or purport to assign any of your rights or obligations under these Terms without the prior written consent of IBF and any such assignment or purported assignment shall be null and void.

 85.           If at any time any provision in these Terms is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, the remaining provisions of these Terms shall not be affected or impaired thereby.

86.           No failure on the part of IBF to exercise and no delay on the part of IBF in exercising any right hereunder will operate as a release or waiver thereof, nor will any single or partial exercise of any right under these Terms by IBF preclude any other or further exercise of it.

87.          These Terms contains the whole agreement between you and IBF relating to the subject matter hereof to the exclusion of any terms implied by law which may be excluded by contract and supersedes any previous written or oral agreement between you and the IBF in relation to the matters dealt with in these Terms.

FOR ADDITIONAL INFORMATION

If you have any questions about these Terms, please contact us at [email protected]