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Terms and Conditions

1. Terms of Use

By accessing our Website, including through a mobile application, you agree to be bound by these Terms of Use (this 'Agreement'). If you wish to visit the Website or make use of our services provided, please read this Agreement carefully.

If you do not accept and agree to be bound by all of the terms and conditions of this Agreement or you do not meet or comply with its provisions, do not use the Website or our services.

This Agreement also includes our Privacy Policy and any notices regarding the Website.
In these Terms of Use, "we", "our" and "us" refers to ClearlySurely.com and "you" and "your" is defined to any person who accesses and uses this Website.

"Communications" means any communication including but not limited to communications by email between us and our users. "Contribution" means the contributions of the Member to the Website including but not limited to the text and/or images in the forum or elsewhere in the site.

By using this website, you acknowledge you have read, understood, and agree to be bound by these Terms of Use.

2. Accessing Our Website

We strive to keep this Website accessible at all times. However, we are not responsible for any direct or indirect losses that may arise from the inability to access to this Website, from visiting this Website and/or from the reliance on the information provided within this Website.

We reserve the right to withdraw or amend the service we provide on our Website without notice. We do not guarantee that the website will be fully or partially operational all the time.

3. Requests for Contact by Financial Adviser Representatives

We aim to assist you with the education, comparison and research of insurance products in Singapore. We do not charge any fee on usage of this website. However, we reserve the rights to collect referral fees from the Financial Adviser Representatives that we work with, in the event that you submit a request for a Financial Adviser Representative to contact you.

When you submit a request to us for a referral for a Financial Adviser Representative, you are giving us and the Financial Adviser Representative the explicit consent to contact you even if you are registered with the National DNC (Do-Not-Call) Registry. If you change your mind, you may withdraw your consent and we will accede to your request.

We merely provide a platform for you to communicate with a Financial Adviser Representative. While we endeavour to introduce a well-trained, qualified Financial Adviser Representative to you, you are also advised to exercise your due diligence. We are not responsible for any loss arising from the advice, conduct, acts and / or omissions of the Financial Adviser Representative.

The Assigned Financial Adviser is not our representative, agent, principal, employee, employer, master, or servant and shall not hold out to you or any person in any manner that he/she is the representative, agent, principal, employee, employer, master, or servant of ClearlySurely.com.

If you are not satisfied with any products or services provided by a Financial Institution or Financial Adviser Representative, you should send your feedback to that party directly.

4. Acceptable Use

We intend for our website to be used for your personal, non-commercial interest only. A natural person or business may access to our Website to obtain information about insurance products for their own behalf. Use of the website for other purposes is strictly prohibited.

You also agree:

All Contributions and Communications with other users of ClearlySurely.com shall conform to the content standards set out in this clause. Contributions and Communications without limitation must not:

or

We reserve the right, but not obligation, to monitor any content you post on the Website or as part of a Service. ClearlySurely.com will have the right to remove any content that in its sole opinion violates, or may violate any applicable law or either the letter or spirit of this Agreement or upon the request of any third party.

5. Proper treatment towards ClearlySurely.com employees, agents, and officers

You will not harass, annoy, intimidate, or threaten any ClearlySurely.com employee or agent engaged in providing any portion of the Service to you. If we feel that your behaviour towards any of our employees is at any time threatening or offensive, we reserve the right to deny you any further access to our site and services provided.

6. Reliance on information posted

We provide general information for your knowledge and comparison purposes. Thus, we do not purport to be a financial, legal, tax or professional advisor. Nothing on our website can be construed as financial, legal or any other professional advice. You should always check with the relevant financial institution/professionals on the suitability, accuracy and full contract terms of the product that you are interested in.

Any information provided by us is to be used at your own discretion and judgement.

We strive to provide accurate information and unbiased opinions. However, as insurance premiums/rates are ever-changing, we are unable to guarantee that they are accurate all the time. Please let us know if there is any accuracy so that we may rectify it. We are not responsible in any way if any information in our website is found to be inaccurate or contain any errors and/or omissions.

We are unable to provide information on all insurance products provided in Singapore.

7. Our website changes periodically

We reserve the rights to modify, add, delete or move any information, content, material and data within the website at any appropriate time, without any notice to you.

8. Information about you and visits to our site

We process information about you in accordance with our Privacy Policy. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate.

9. Uploading material to our site

Whenever you make use of a feature that allows you to upload material to our Website, or to make contact with other users of our Website, you must comply with the content standards set out in clause 4. You warrant that any such Contribution does comply with those standards, and you indemnify us for any breach of such warranty.

Any Contributions, Communications or material you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our Website constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our Website.

We have the right to remove any material or posting you make on our Website if, in our opinion, such material does not comply with the content standards set out in clause 4.

10. Linking to our site

You may provide link(s) to our website as long as it is legal and does not damage our reputation. However, we reserve the right to compel you to remove the links if we deem them to be inappropriate.

11. Links from our site

We may provide links to Third Party websites as part of our service to you but it is not an endorsement of the Third Party websites. Third Party websites are governed by their own Terms of Use and/or Privacy Policies and thus, we have no control over them. You may access to these Third Party websites at your sole discretion and risk. We are not liable for any loss you may incur, arising from your access to the Third Party websites.

12. Indemnity

We are not involved in any transactions between buyers and the sellers of any insurance product(s). Therefore we are not liable for any loss that you may incur in any way that may arise from the transactions of the insurance product/s. Please exercise due caution and judgement when dealing with financial matters.

You undertake fully and effectively to indemnify and keep indemnified at all times ClearlySurely.com and its officers, employees, agents or authorized representatives against all actions, proceedings, claims, costs, demands, liabilities and expenses whatsoever (including legal and other fees and disbursements) sustained, incurred or paid by us or ClearlySurely.com directly or indirectly in respect of:

access to and/or use of the Service by our users;

any information data or material published or transmitted by the Member;

any breach by the User of any of the provisions of these Terms of Use or of any code, law or regulation relating thereto.

You, and your estate in the case of your death, further agree that this indemnification provision covers all third party claims, actions or demands, including those filed by your spouse, children, or family. ClearlySurely.com reserves the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with ClearlySurely.com in connection therewith.

13. Our Liability

The material displayed on our Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we hereby expressly exclude:
all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the Services or access to the Website and any materials posted on it.

ClearlySurely.com expressly excludes liability for consequential loss, damage or corruption to other software or data or for loss of profit business revenue or goodwill incurred by you or a user.

To the maximum extent permitted by applicable law, in no event ClearlySurely.com be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of you or anyone else in connection with the use of the services, including, including without limitation, bodily injury, emotional distress, and/or other damages resulting from use of our site.

14. Disclaimer

ClearlySurely.com is not responsible for any incorrect or inaccurate content posted on the Website or in connection with the Service, whether caused by users of the Website, Users or by any of the equipment or programming associated with or utilized in the Service.

ClearlySurely.com is not responsible for the conduct, whether online or offline, of any user of the Website.

ClearlySurely.com is not responsible for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, user or user communications.

We do not guarantee that that this Website is free of any viruses or anything that may be harmful technologically.

ClearlySurely.com is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or at any website or combination thereof, including injury or damage to users or to any other person's computer related to or resulting from participating or downloading materials in connection with the Web and/or in connection with the Service.

Under no circumstances will ClearlySurely.com be responsible for any loss or damage, including personal injury or death, resulting from anyone's use of the Website or the Service, any Content posted on the Website or transmitted to Members, or any interaction or contact between users of the Website, whether online or offline.

This site is for informational purposes only. To the maximum extent allowed by applicable law, ClearlySurely.com provides the Website and Service on an "as is" and "as available" basis and grants no warranties of any kind, either express, implied, statutory or otherwise with respect to the Service or the Website (including all content contained therein) including (without limitation) any implied warranties of satisfactory quality, merchantability, fitness for a particular purpose, expectations of privacy, or non-infringement. ClearlySurely.com does not warrant that the Website or Service will be uninterrupted or error-free, secure, or that any defects or errors will be corrected. Any material downloaded or otherwise obtained through the use of the Service or Website is accessed at your own discretion and risk, and you will be solely responsible and hereby waive any and all claims and causes of action with respect to any damage to your computer system, internet access, download or display device, or loss or corruption of data that results or may result from the download of any such material. If you do not accept this limitation of liability, you are not authorized to download or obtain any material through the Website or Service.

From time to time, ClearlySurely.com may make third party opinions, advice, statements, offers, or other third party information or content available on the Website and/or through the Service. All third party content is the responsibility of the respective authors thereof and should not necessarily be relied upon. Such third party authors are solely responsible for such content. ClearlySurely.com does not: (i) guarantee the accuracy, completeness, or usefulness of any third party content on the website or provided through the service, or (ii) adopt, endorse or accept responsibility for the accuracy or reliability of any opinion, advice, or statement made by any party that appears on the website or service. Under no circumstances will ClearlySurely.com or its affiliates be responsible or liable for any loss or damage resulting from your reliance on information or other content posted on the website or service, or transmitted to or by any user.

You specifically acknowledge and agree that ClearlySurely.com is not liable for your defamatory, offensive, infringing or illegal materials or conduct or that of third parties, and we reserve the right to remove such materials from this Website without liability.

15. Updates and Revisions to Terms of Use

We reserve the rights to revise these Terms of Use at any time without any notice. The revised Terms of Use will be effective immediately at the time of revision and will supersede any previous Terms of Use. Thus, please check these Terms of Use whenever you visit our website. Your usage of our website will constitute as your acceptance of these Terms of Use.

16. Legal Jurisdiction and Dispute Handling

Your use of this website and any dispute arising out of such use of the website is subject to the laws of Singapore. However we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

If you access the Website or use the Service from outside Singapore, you waive all rights under the laws and regulations of the territory from which you access or use the Website or Service. Regardless of whether you access the Website or use the Service from outside Singapore, all disputes shall be resolved in Singapore.

Any delay to exercise our rights under these Terms of Use does not constitute as a waiver of our rights. All of our rights are expressly reserved.

17. Ownership

www.ClearlySurely.com is fully owned and operated by The Naked Truth Pte Ltd, UEN 201434417E. It is a registered company in Singapore.

18. Last Update

This agreement was last updated and revised on 20th April 2017.