By accessing or using our website, you agree to the following terms and conditions. The following terms and conditions apply to all of our Web sites, including any Web sites owned, operated or sponsored by any of our subsidiaries or affiliates. "Content" refers to any materials, documents, images, graphics, logos, design, audio, video and any other information provided from or on our Web sites.

Certain products, services or information are supplied or provided by Prescient Systems & Technologies Pte Ltd ("Prescient"), whether or not accessible on or through or via this website, pursuant to a separate contract. The terms of any accompanying contractual warranty for the supply of such products, services or information will be found in these separate contracts.

Aside from these products, services or information, Prescient provides any other products, services and information on this website on an "as is" basis. Prescient, its employees, subsidiaries, associates and affiliates make no representations, endorsements or warranties of any kind whatsoever about the products, services and information (including data and contents) on this website, including advertisements supplied by the respective advertisers and their creditworthiness, as well as third party sites and their products, services and information accessible by way of links from this website.

In no event shall Prescient be liable to any party for any damages, claims, expenses or losses of any kind (whether direct, indirect, incidental, punitive, exemplary or consequential) arising from or in connection with any use of or reliance on the accuracy, availability, currency, title, non-infringement, quality, reliability, suitability and completeness of the products, services and information, including financial and securities information and data.

Prescient reserves all intellectual property rights to its products, services and information on this website, including international copyright and trade mark rights. All other names, products, marks and materials mentioned are the intellectual property rights of their respective owners. No materials provided through this website, including text, graphics, code and/or software may be reproduced, distributed, published, uploaded, posted, transmitted or hyperlinked in any manner and in any form without the express, prior written approval of Prescient and the respective copyright and trade mark holders.

The products, services and information provided by Prescient on this website are for the user's personal consumption only, and the user may not engage in any dealings with other parties with such products, services and information. Such dealings include commercial dealings and dealings which will adversely affect the commercial value of the products, services and information provided by Prescient.

Prescient reserves the right to make changes and corrections, at any time and without notice, to the information and the website, its services and its contents, including changes and corrections to this agreement. This agreement shall be governed by and construed in accordance with the laws to the Republic of Singapore , and any claims or disputes of whatever nature shall be subject to the exclusive jurisdiction of the courts of the Republic of Singapore.