1. You should assume that everything you see or read on the Site is copyrighted unless otherwise noted and may not be used except as provided in these Terms and Conditions or in the text on the Site without the written permission of Singapore Island Bank - finatiQ.com. Singapore Island Bank - finatiQ.com neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with Singapore Island Bank - finatiQ.com.

2. While Singapore Island Bank - finatiQ.com uses reasonable efforts to include accurate and up to date information in the Site, Singapore Island Bank finatiQ.com makes no warranties or representations as to its accuracy. Singapore Island Bank - finatiQ.com assumes no liability or responsibility for any errors or omissions in the content of the Site.

3. Your use of and browsing in the Site are at your risk. Neither Singapore Island Bank - finatiQ.com, any of its agencies, nor any other party involved in creating, producing, or delivering the Site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the Site. Without limiting the foregoing, everything on the Site is provided to you "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Singapore Island Bank - finatiQ.com also assumes no responsibility, and shall not be liable for any damages to, or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from the Site.

4. Any personal data (for example, your name, address, telephone number or e-mail address) you transmit to the Site by electronic mail or otherwise, will be used by Singapore Island Bank - finatiQ.com in accordance with the privacy policy of the Site. Any other communication or material you transmit to the Site, such as questions, comments, suggestions or the like, will be treated as non-confidential and non-proprietary.

5.Images of people or places displayed on the Site are either the property of, or used with permission by, Singapore Island Bank -finatiQ.com. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted by these Terms and Conditions or specific permission provided elsewhere on the Site. Any unauthorised use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

6. The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Site are registered and unregistered Trademarks of Singapore Island Bank - finatiQ.com and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of Singapore Island Bank - finatiQ.com or such third party that may own the Trademarks displayed on the Site. Your use of the Trademarks displayed on the Site, or any other content on the Site, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised that Singapore Island Bank - finatiQ.com will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

7. Singapore Island Bank - finatiQ.com has not reviewed any or all of the sites linked to the Site and is not responsible for the content or the privacy policies of any off-site pages or any other sites linked to the Site. Your linking to the Site, off-site pages or other sites is at your own risk and without the permission of Singapore Island Bank - finatiQ.com.

8. Although Singapore Island Bank - finatiQ.com may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards, and the like on the Site, Singapore Island Bank - finatiQ.com is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the Site. You are prohibited from posting or transmitting any unlawful, threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence, give rise to civil liability, or otherwise violate any law. Singapore Island Bank - finatiQ.com will fully co-operate with any law enforcement authorities or court order requesting or Singapore Island Bank - finatiQ.com to disclose the identity of anyone posting any such information or materials.

9. Singapore Island Bank - finatiQ.com may at any time revise these Terms and Conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions to which you are bound.