1. General Terms & Definitions

This Terms of Service and Subscription Agreement constitutes an agreement between you (Subscriber, user, or customer) and us (Grinweiv Consultancy Pte Ltd), and sets forth the terms and conditions that apply to your access and use of our Product & Service, Website and Applications.

For the content which is created on the www.midcareers.sg platform

The information provided on our platform (the “Information”) is

(a) intended for general circulation in Singapore and

(b) not intended for general circulation outside of Singapore.

The Information does not constitute an offer or solicitation to buy or sell any investment product(s) or to offer any financial opinion of any sort. It does not take into account the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a financial adviser before investing in any investment products or adopting any investment strategies. Any investment/financial product (s) discussed herein or within the Information are provided for information and educational purposes only. Any examples provided are for illustrative purposes only. Any statements or information expressed by other organisations are of the respective authors. Grinweiv Consultancy Pte Ltd and its affiliates make no warranty as to the accuracy, completeness, merchantability or fitness for any purpose of the Information or as to the results obtained by any person from the use of any Information or financial product(s) mentioned within the Information.

Grinweiv Consultancy Pte Ltd undertakes no responsibility to update the Information. Grinweiv Consultancy Pte Ltd reserves the right to make changes to the Information from time to time. In no event shall the Information, its contents, or any change, omission or error in the Information form the basis for any claim, demand or cause of action against Grinweiv Consultancy Pte Ltd and/or any of its affiliates and Grinweiv Consultancy Pte Ltd and/or its affiliates expressly disclaim liability for the same. In the event that the Information or any part thereof is recirculated, transmitted or otherwise distributed in any format to any other person by a recipient, such recipient will have the full responsibility to ensure that such recirculation, transmission or distribution complies with all applicable laws, rules, regulations and directives in all the relevant jurisdictions. Grinweiv Consultancy Pte Ltd and its affiliates hereby disclaim all responsibility and liability arising in connection with such recirculation, transmission or distribution.

Definitions

“Agreement” means this Terms of Service and Subscription Agreement.

“Application”, singular or plural, refers to any of our html-based computer programs, smartphone, tablet or personal computer applications and all other software programs made available to  users by us.

“midcareers.sg” is the brand name of the Service offered by Grinweiv Consultancy Pte Ltd.

“Confidential Information” means all information exchanged between the Parties in connection to the Product & Service, whether in writing, electronically or verbally, but does not include information which is, or becomes, publicly available other than through unauthorized disclosure by the other Party. Confidential Information will also include information submitted to the receiving Party by a third party under instruction from, and under confidential obligation with, the disclosing Party.

“Metadata” means statistical collective data amongst Midcareers.sg users produced by Midcareers.sg as part of the Service.

“Party” refers individually to each of you and Grinweiv Consultancy Pte Ltd.

“Parties” refer to both you and Grinweiv Consultancy Pte Ltd collectively.

“Personal Identification Information” means your name, address, identification number, phone number, and/or other information by which you may be personally identified.

“Service” means the service offered under the midcareers.sg website

“Subscriber”, “user” or “customer”, capitalized or otherwise, means the person who accesses, uses or subscribes to the Service, and, if authorized and applicable, the entity on whose behalf any person accesses, uses or subscribes to the Service.

“Website”, singular or plural, means www.Midcareers.sg and/or any other website and social media pages operated by Grinweiv Consultancy Pte Ltd in relation to the Service.

“You” means the subscriber, user or customer. “Your”, capitalized or otherwise, has a corresponding meaning.

2. Acceptance of Terms

Your use of our Websites and/or Service is subject to this Agreement addresses how we handle and protect your data and information.

Please read this Agreement carefully. By accessing, using and/or subscribing to our Service, Websites and/or Applications, you understand and agree to be bound by the terms and conditions of this Agreement. If you do not agree to this Agreement, you are not authorised to use our Product & Service, Websites and/or Applications. By accepting this Agreement, you represent that you have the capacity to enter, or if you are acting on behalf of a company or entity, that you have the authority to bind such entity, into a legally binding contract, and you agree that this Agreement legally binds you as if such agreement was executed in writing and by your own hand.

3. Personal Data Protection Act (PDPA)

Grinweiv Consultancy Pte Ltd is subject to and complies with the Singapore Personal Data Protection Act 2012 (“PDPA”).

The PDPA establishes a general data protection law in Singapore which governs the collection, use and disclosure of individuals’ personal data by organisations.  We undertake to protect your personal data in accordance with the PDPA.

4. Description of the Service

Grinweiv Consultancy Pte Ltd is a career advisory website for the financial industry.  We provide such services via our various platforms. You will not be required to provide us with your personal information other than contact details.

5. Registration and Subscription Fee

There is currently no prescribed registration and subscription free for the usage of the midcareers.sg website and/or applications. Grinweiv Consultancy Pte Ltd reserves the right to impose such fee at a later date, but will seek your agreement before doing so.

6. Terms & Termination

Modification of Terms

We may revise the terms of this Agreement from time to time and the most current version will always be posted on the Website or made available through our various platforms. If the revision is material, we will notify you by e-mail, through any one of the platforms or via other means of communication. That said, you are responsible for checking the terms of this Agreement regularly. By continuing to access or use the Service after revisions become effective, you agree to be bound by the revised terms. If you do not agree to the revised terms, you may cancel your subscription by sending us a request via the message function in the Midcareers.sg Website user area, or by email to midcswitch@gmail.com

7. Your Obligations

(a) Service Access

You must:

(i) not attempt to undermine the security or integrity of Grinweiv Consultancy Pte Ltd computing systems or networks where the Service is hosted, or take or permit any action which may impair the functionality of the Service or the Website;

(ii) not attempt to copy, reproduce, reverse engineer or decompile any computer program, design, functionality and any other component of the Service and/or Applications, or engage in any Automated Data Collection for any purpose whatsoever without our prior express written permission;

(iii) not attempt to gain unauthorized access to any materials other than those contained in your ‘user only’ area or to which you are otherwise expressly permitted to access; and

(iv) not transmit or upload into the Service and/or Website any files containing malicious computer codes or any software that may damage our computing systems or networks or any other person’s computing device or any content that may be offensive or any material or data in violation of any law; and

(v) warrant at all times that any information or data provided by you to Grinweiv Consultancy Pte Ltd in connection with this Agreement is your own, is true and correct, does not infringe any rights, including intellectual property rights or confidentiality rights, of any person and that you are fully entitled to furnish such information or data to Grinweiv Consultancy Pte Ltd for purposes of this Agreement and, for so long as your Account remains in force.

(b) Usage Limitations

You may only use the Service in accordance with and within the limitations of your Subscription as set out in this clause. You must only use the Service strictly for your or, if you are using our Service for and on behalf of an organization, your organization’s own lawful purposes. You may not purport to license, sell, lease, outsource or otherwise share or permit the use of the Service to or with any third party, whether or not such actions are undertaken for financial gain. Usage beyond this limitation will result in a suspension or cancellation of your Subscription and you may also be liable for payment of any costs, losses and/or damages that may be suffered by us as a result.

(c) No Financial Advice

You understand and agree that the reports, analyses and other content provided to you by the Service is solely for your own general information purposes and does not constitute financial advice and may not be used by you to make financial or investment decisions, which should be based on your own independent research and analysis. Grinweiv Consultancy Pte Ltd makes no investment recommendations and offers to subscribe to or for any investment products.

For the avoidance of doubt, information, reviews, comments and/or any statements made on any of our platforms are not intended to constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied on by you in making (or choosing not to make) any specific investment or any other financial decision.  Given that the impact and applicability of any views, opinions, comments or other statements made on our platforms vary widely based on your particular circumstances and the particular circumstances of those of other members of the community, you should always carry out your own research into any products or opportunities that are of interest to you.

8. Ownership and Rights

(a) Your Data

(i) You grant us a nonexclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable right to exercise the copyright and database rights you have in your Personal Financial Data. You agree to allow us to store or re-format your Personal Financial Data in any way we choose. 

(ii) You acknowledge that, for your privacy, security and other operational reasons, your data in the original form received by us may be deleted without being backed-up by us after such data has been processed for purposes of the Service.

(b) Grinweiv Consultancy Pte Ltd Intellectual Property

(i) The technology and contents of the Service, including, but not limited to, the “look and feel” (such as text, graphics, images, illustrations, logos, button icons) of our Websites, Applications and all other material, Meta Data, photographs, videos, tutorials, editorial content, notices, software and other content, are the property of Grinweiv Consultancy Pte Ltd (and/or its licensors), which is protected by copyright law of Singapore and international treaties, trademark, patent laws and/or all other intellectual property laws, as may be applicable.

(ii) As part of the Service, Grinweiv Consultancy Pte Ltd grants you a non-exclusive, limited, royalty-free, revocable license, during the term of this Agreement, to use our Websites and Applications to facilitate your personal, non-commercial use of the Service.

(iii) You acknowledge and agree that midcareers.sg and the midcareers.sg logo are our trademarks and/or service marks and may not be used by you without our prior written consent.

(iv) Any distribution, reprint or electronic reproduction of any content from the Service, in whole or in part, is strictly prohibited without our prior written consent.

(v) Any reviews, comments or statements uploaded by you onto our website or any of our platforms shall be intended solely for the purpose of responsibly informing other users and members of our platform of your opinion of the [financial services and/or products that are the subject of the review]. 

9. Indemnity

You indemnify us against all costs, losses and damages arising from your breach of any of the Agreement and any other obligation you may have to Us.

10. Service “As Is”

Our Service is provided to you on an “as is” basis and, to the fullest extent permissible by law, we make no express or implied warranty as to the accuracy, timeliness, availability or uninterrupted use of the Service. You hereby acknowledge that your use of the services is at your sole risk. Whilst we will use reasonable commercial efforts to ensure that all information from your Personal Financial Data is accurately captured, extracted and/or entered into our system, we do not guarantee the accuracy, integrity or quality of this process or any reports and/or analysis generated by midcareers.sg. You are responsible for reviewing and verifying all such reports and/or analysis and promptly informing us of any errors noted. Subject to that, we will take steps to investigate and rectify any confirmed errors as soon as reasonably practicable following receipt of your notification.

11. Limitation of Liability

(a) To the maximum extent permitted by law, we will not be liable to you for any loss (including loss of information, data, revenues, profits or savings) or damage resulting, directly or indirectly, from any use of, or reliance on the Service. You assume sole responsibility for results obtained from the use of the Service and the conclusions drawn from such use.

 

(b) Without limiting clause 11(a), if you suffer loss or damage as a result of our negligence or failure to comply with our obligations under this Agreement, any claim by you against us relating to this Agreement, whether in contract, tort or otherwise, will in any event  not exceed in the aggregate of fifty Singapore dollars (S$50).

12. Third Party Web Sites, Content, Products and/or Services

The Services may enable you to link to the websites and to access the content, products and/or services of third parties, including users, advertisers, affiliates and sponsors of such third parties. We have no control over and are not responsible for any such third party websites or content, products or services and you agree to bear all risks associated with your access to and/or use of any such third party websites, content, products and services.

13. Personal Data Protection Act

(a) Data Protection Officer

In the event that you have any questions regarding your Personal Data, would like to withdraw your consent to any use of your Personal Data, would like to obtain access to your Personal Data records, please email midcswitch@gmail.com with the subject “PDPA request”.

(b) Disclaimer

If your Personal Data has been provided to Grinweiv Consultancy Pte Ltd by a third party (e.g. a referrer), you will have to contact that organization or individual to make such queries, complaints, access records to Grinweiv Consultancy Pte Ltd on your behalf.

14. General

(a) Entire agreement

This Agreement, together with our Privacy Statement, your Subscription and any other notices or instructions given to you under this Agreement, supersedes and replaces all prior agreements, representations (whether oral or written), and understandings and constitute the entire agreement between you and us relating to the Service and the use of our Websites and Applications.

(b) Waiver

No waiver of any claim, right or entitlement will be effective unless made in writing. If either Party waives any breach of this Agreement, this will not constitute a waiver of any other or continuing breach.

(c) Delays

Neither Party will be liable for any delay or failure in performance of its obligations under this Agreement if the delay or failure is due to any cause outside its reasonable control. This clause does not apply to any obligation to pay money. If the event leading to such delay continues for more than 1 month, either Party will be entitled to terminate this Agreement, upon written notice to the other, whereupon this Agreement shall forthwith terminate with no further claims on the part of either Party but without prejudice to any previously accrued claims.

(d) No Assignment

You may not assign or transfer any rights under this Agreement to any other person without our prior written consent. Subject to that, this agreement shall inure to the benefit of and be binding upon the Parties hereto and their respective successors and assigns.

(e) Governing law and jurisdiction

This Agreement shall be governed and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with this Agreement, including any question regarding its existence, validity or termination, shall be referred to and resolved by arbitration in Singapore in accordance with the Arbitration Rules of Singapore International Arbitration Centre (“SIAC”) for the time being in force which rules are deemed to be incorporated by reference to this clause. The tribunal shall consist of one (1) arbitrator to be appointed by the President of the SIAC Court of Arbitration. The language of the arbitration shall be in English. The physical venue of the arbitration shall be Singapore. The decision of the arbitrator shall be final and binding on the Parties and may be used (without limitation) as a basis for judgment in any country which has ratified the 1958 New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards.

(f) Severability

If any part or provision of this Agreement is invalid, unenforceable or in conflict with the law, that part or provision shall be deemed replaced with a provision which, as far as possible, accomplishes the original purpose of that part or provision or if such replacement is not practicable shall be deemed deleted, in either case without affect the legality and binding nature of the remainder of this Agreement.

(g) Notices

Any notice given under this Agreement by either Party to the other must be in writing, by email, or by electronic communication via the Website and will be deemed to have been given on transmission, unless the recipient can satisfactorily establish that the email or electronic communication was not received by the recipient’s email or web server. Notices to us must be sent by email to midcswitch@gmail.com or to any other email address notified by email to you by us, or by electronic communication via the Website from time to time for such purpose. Notices to you will be sent to the email address which you provided when registering for setting up your access to the Service (or to such updated email address as may be notified to us from time to time) or by electronic communication via the Website.

(h) Rights of Third Parties

A person who is not a party to this Agreement has no right to benefit under or entitlement to enforce any term of this Agreement.

(i) Relationship of Parties

You acknowledge and agree that we are merely a service provider in connection with the Service and that nothing in this Agreement shall cause or constitute the Parties to be partners, agents or fiduciaries of, or joint ventures with, each other.