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From time to time, reference may be made in the subscription product(s) to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or opinion, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

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The content, views and opinions provided in the subscription product(s) is not intended to provide tax, legal, insurance or investment advice, and nothing in the subscription product(s) should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by TrackRecord. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

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You agree to indemnify, defend and hold harmless TrackRecord Pte. Ltd and our subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms and Conditions or the documents they incorporate by reference, or your violation of any law or the rights of a third-party. This defense and indemnification obligation will survive these Terms and Conditions and your use of the subscription
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SECTION 18 – SEVERABILITY

In the event that any provision of these Terms and Conditions is determined to be unlawful, void or
unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms and Conditions, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 19 – TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms and Conditions are effective unless and until terminated by either you or us.
You may terminate these Terms and Conditions at any time by notifying us that you no longer wish to use our subscription product(s). If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms and Conditions, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our subscription product(s) (or any part thereof).

SECTION 20 – ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms and Conditions shall not
constitute a waiver of such right or provision.

These Terms and Conditions and any policies or operating rules posted by us on this site or in respect to the subscription product(s) constitutes the entire agreement and understanding between you and us and govern your use of the subscription product(s), superseding any prior or contemporaneous agreements, Communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms and Conditions).

Any ambiguities in the interpretation of these Terms and Conditions shall not be construed against the
drafting party.

SECTION 21 – GOVERNING LAW

These Terms and Conditions and any separate agreements whereby we provide you the subscription product(s) shall be governed by and construed in accordance with the laws of the state of Singapore.

SECTION 22 – CHANGES TO TERMS AND CONDITIONS

You can review the most current version of the Terms and Conditions at any time by requesting it via email to info@trackrecordasia.com

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms and Conditions by posting updates and changes to our website. It is your responsibility to check our website periodically for changes.

SECTION 23 – TERMS AND CONDITIONS CONTACT INFORMATION

Questions about TrackRecord Pte Ltd’s Terms and Conditions should be sent to us at info@trackrecordasia.com.

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Terms & Conditions

DEFINITIONS In these terms, conditions and privacy policy; “TrackRecord” means TrackRecord Pte. Ltd, owners of the subscription products. "Subscriber", "Customer" or "You" refers to a subscriber to TrackRecord’s subscription products. COPYRIGHT © TrackRecord Pte. Ltd 2016 – 2017 Except as permitted by the copyright law applicable to you, you may not reproduce or communicate any of the subscription products, including files downloadable from the subscription products, without the permission of the copyright owner. The owners of copyright in the content may receive compensation for the use of their content by educational institutions and governments, including from licensing schemes managed by Copyright Agency. We may change these Terms and Conditions from time to time. Check before subscribing to TrackRecord’s products. SECTION 1 - CUSTOMER SERVICE ENQUIRES Email info@trackrecordasia.com. SECTION 2 - INCLUSIONS AND FREE SUBSCRIPTIONS If TrackRecord grants you access to a free subscription and you do not cancel or opt out of the subscription period prior to the expiry of the term, you will automatically be converted to a paid subscription upon expiry of the term. You may cancel or opt out of the free subscription online or by contacting us at info@trackrecordasia.com SECTION 3 - PRICING AND PAYMENTS Subscription prices are in SGD unless otherwise stated. Foreign exchange rates will apply if payment is made in a foreign currency and the rates will be determined by the payment processing company. Subscriber’s payment details must be verified before the subscription can be activated unless arranged otherwise. It is the subscriber’s responsibility to ensure that the credit card details (or any other acceptable modes of payment by the payment processing company) you have provided are valid. If your payment method is not received on a timely basis, expires and you do not edit your payment method or cancel your account, the subscription may be terminated. TrackRecord reserves the right to reject any subscription order at any time. You agree to pay the price of your subscription, and all applicable fees, which will be stated clearly at the time of your order. You also agree to the billing frequency stated at the time of your order, if applicable. All charges, other than specified in the Cancellation policy, are non-refundable. The subscription fee will be billed at the beginning of your Subscription term or expiration of your free trial period unless and until you cancel your subscription is otherwise suspended or discontinued pursuant to these Terms. We automatically bill your Payment Method periodically, based on the length of your subscription. For example, for a one-month subscription we bill your Payment Method each month. We will bill you in each payment month on the calendar day corresponding to the commencement of your Subscription. In the event your Subscription began on a day not contained in a given month, we bill your Payment Method on the last day of such month. You acknowledge that the amount billed for each payment period may vary due to promotional offers, changes in your Subscription plan, and changes in applicable taxes, and you authorize us to charge your Payment Method for the corresponding amounts. If Company changes the subscription fee or other charges for the subscription product(s) from time to time, we will give you advance notice of these changes. TrackRecord reserves the right to change the price list at any time, upon prior notice to you. Any promotion and discount eligibility is determined at the time of order. SECTION 4 - RENEWALS Renewal reminders are sent in advance of the subscription’s annual expiry date to ensure the subscribers opportunity for uninterrupted delivery. Monthly subscriptions are automatically renewed every month without any notice. SECTION 5 - SHIPPING AND DELIVERY Subscription start date is listed in the confirmation email upon payment. Subscribers will receive the next available issue. If you do not receive your subscription product as expected, or have any questions regarding your order, please email info@trackrecordasia.com SECTION 6 - SUBSCRIPTION REFUNDS/CANCELLATIONS Monthly Subscription Products: Subscriptions are automatically renewed every month. If you wish to cancel a subscription for the following month, please send an email to info@trackrecordasia.com requesting for cancellation. Please note that if your cancellation occurs before the end of the subscription term (i.e. end of the month), no refunds will be made available for the remaining number of days in the month of your cancellation. Annual Subscription Products: If you wish to cancel a subscription before the end of the subscription term (i.e. 12 months), you may request to cancel and refund within the first month of the 12-month period. Please send an email to info@trackrecordasia.com requesting to cancel your subscription. No refunds will be made available after the first month of subscription. SECTION 7 - ONLINE STORE TERMS By purchasing, acquiring, redeeming or using a TrackRecord subscription, you agree to be bound by our Terms and Conditions. By agreeing to these Terms & Conditions, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use these subscription product(s). You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). You must not transmit any worms, viruses or any code of a destructive nature. A breach or violation of any of the Terms and Conditions will result in an immediate termination of your subscription and you will not be eligible for any refund. SECTION 8 - GENERAL CONDITIONS We reserve the right to refuse the subscription product(s) to anyone for any reason at any time. You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the subscription product(s), use of the subscription product(s), or access to the subscription product(s), without express written permission by us. The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms. SECTION 9 - MODIFICATIONS TO THE SERVICE AND PRICES We reserve the right at any time, without prior notice to

Change the terms and conditions;
Change the subscription product(s), including eliminating or discontinuing any content;
Modify or discontinue the subscription product(s) (or any part or content thereof;
Change the prices for our product(s); or
Impose fees, charges or other conditions for use of the subscription product(s) or parts thereof

We shall not be liable to you or to any third-party for any of the above modification, price change, suspension or discontinuance of the subscription product(s). Your continued use of or access to the subscription product(s) following the posting of any changes to these Terms and Conditions constitutes acceptance of those changes. SECTION 10 - ACCURACY OF BILLING AND ACCOUNT INFORMATION You agree to provide current, complete and accurate purchase and account information for all purchases. You agree to promptly update your account and other information, including your email address, postal address, billing address, credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed. SECTION 11 – COPYRIGHT, LINKING POLICY AND TRADEMARKS The views, opinions and content contained in the subscription product(s) as well as all copyrights, including without limitation, the text, documents, articles, products, software, graphics, photos, sounds, videos, interactive features, services, links, User Submissions (as defined below), third-party Apps, and any other content in the subscription product(s) ("Content") and the trademarks, service marks and logos contained therein are the property of TrackRecord and its third-party licensors or providers. You may access and use the Content, and download and/or print out copies of any content from the subscription product(s), solely for your personal, non-commercial use. If you download or print a copy of the Content for personal use, you must retain all copyright and other proprietary notices contained therein. You acknowledge that you do not acquire any ownership rights by using the subscription product(s). TrackRecord reserves all rights not expressly granted in and to the subscription product(s). The subscription product(s) may contain links to other Internet websites or links to Content created by third parties’ websites that are not affiliated with us. We neither control nor endorse such other websites or Content, nor have we reviewed or approved any Content that appears on such other websites or in our subscription product(s). Please read the Terms and Conditions and privacy policy of any such third-party sites that you interact with before you engage in any activity. You are solely responsible and liable for your use of and linking to all third-party sites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or appropriateness of any Content, advertising, products, services, or information located in our subscription product(s) or any other websites, nor for any loss, harm or damages caused or alleged to have been caused by the use of or reliance on any such content. Similarly, while we do endeavor to facilitate the provision of quality content, we are not responsible for any loss or damages caused or alleged to have been caused by their use. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party. If you are interested in reprinting, republishing or distributing content from TrackRecord, please contact TrackRecord at info@trackrecordasia.com to obtain written consent. This section shall survive any termination of these Terms and Conditions. SECTION 12 - ERRORS, INACCURACIES AND OMISSIONS Occasionally there may be information in our subscription product(s) that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the subscription product(s) or on any related website is inaccurate at any time without prior notice (including after you have submitted your order). We undertake no obligation to update, amend or clarify information in the subscription product(s) or on any related website, including without limitation, pricing information, except as required by law. SECTION 13 - PROHIBITED USES You may not use, copy, display, sell, license, de-compile, republish, upload, post, transmit, distribute, create derivative works or otherwise exploit Content from the subscription product(s) to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the Content or use of the Content for any purpose other than your own personal, non- commercial use is a violation of our copyright and other proprietary rights, and can subject you to legal liability. In addition, in connection with your use of the subscription product(s) and its services (including by sending private messages to other registered users of the subscription product(s)), you agree not to:

Restrict or inhibit any other visitor from using the subscription product(s), including, without limitation, by means of "hacking" or defacing any portion of the subscription product(s);
Use the subscription product(s) for any unlawful purpose;
Express or imply that any statements you make are endorsed by us, without our prior written consent;
Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the subscription product(s);
"Frame" or "mirror" any part of the subscription product(s) without our prior written authorization;
Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, "data mine", "scrape", "harvest" or in any way reproduce or circumvent the navigational structure or presentation of the subscription product(s) or its contents;
Harvest or collect information about visitors to the subscription product(s) without their express consent;
Send unsolicited or unauthorized advertisements, spam, chain letters, etc. to other users of the subscription product(s);
Transmit any Content which contains software viruses, or other harmful computer code, files or programs.

You also agree to comply with all applicable laws, rules and regulations in connection with your use of the subscription product(s) and the content made available therein. In order to access some of the services of the subscription product(s), you may have to create an account. By creating this account, you agree to the following:

You may only maintain a single account;
You may never share your account user name or password or knowingly provide or authorize access to your account
You may never use another user's account without permission;
When creating your account, you must provide accurate and complete information;
You are solely responsible for the activity that occurs on your account, and you must keep your account password secure;
You must notify us immediately of any breach of security or unauthorized use of your account;

You will be liable for any use made of your account or password and the losses of TrackRecord or others due to such unauthorized use. We will not be liable for your losses caused by any unauthorized use of your account. TrackRecord has the right to terminate your access to the subscription product(s), in its sole discretion. In addition to other prohibitions as set forth in the Terms and Conditions, you are prohibited from using the subscription product(s) or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the subscription product(s) or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the subscription product(s) or any related website, other websites, or the Internet. We reserve the right to terminate your use of the subscription product(s) or any related website for violating any of the prohibited uses. SECTION 14 – MONITORING CONTENT, ONLINE RULES OF CONDUCT TrackRecord has the right in its sole discretion and without further notice to you, to monitor, censor, edit, move, delete, and/or remove any Content posted on its subscription product(s) or any Content transmitted by direct messaging or by any other method to or from your user account at any time and for any reason. Without limiting the foregoing, TrackRecord has the right to delete any comment or Content that it believes, in its sole discretion, does or may violate the Terms and Conditions of the subscription product(s) by you. On user-generated content and comments, TrackRecord reserves the right to remove content that violates one of the following principles, as determined by TrackRecord, at our discretion:

No incitement to hatred. Material that promotes hatred toward groups based on race or ethnic origin, religion, disability, gender, age, veteran status, or sexual orientation/gender identity will be removed.
No pornography or pedophilia
No direct or veiled threats against any person or group of people.
No copyright infringement
No plagiarism. This includes posting content verbatim from other sources without proper attribution and/or repurposing content from other sources and presenting it without reference to the content's creator.
No publishing of other people's private and confidential information, such as credit card numbers, Social Security Numbers, and driver's and other license numbers.
No impersonation of others in a manner that is intended to or does mislead or confuse others.
No use for unlawful purposes or for promotion of dangerous and illegal activities. Your account may be terminated and you may be reported to the appropriate authorities.
No spamming, link-spamming or transmitting malware and viruses.
No personal attacks.
No profanity or vulgarity.
No business solicitations or advertising.
No inappropriate, unethical or misleading behavior.

Important note: TrackRecord encourages civil, thought-provoking debate and idea-sharing among investors and stock-market followers. In order to maintain a level of discourse appropriate to our user base, we are strongly opposed to trolling, uncivilized discussion, mudslinging, inappropriate language, and blanket dismissal of others' ideas. At our discretion, we may delete comments, and block/delete accounts of users we believe lower the level of discourse and courtesy we strive to engender. Moderating decisions are subjective, and we strive to make them carefully and consistently. Due to the volume of content, we cannot review moderation decisions with users and cannot reverse decisions. Our content is intended to serve as a discussion center for thoughtful users who make their own investment decisions, with or without the help of a broker. They are not the place for stock touters, cheerleaders or hypesters. We strongly encourage all participants to disclose any positions they have in stocks being discussed. Without derogating from the above, TrackRecord editors, at their discretion, may refrain from posting or remove User Submissions that violate these standards or which are otherwise inappropriate. These standards are designed to ensure that the dialogue on the subscription product(s) is credible, responsible, intelligent and informative. We cannot guarantee that users will tell the truth, and we will not monitor the veracity of names and positions or the content of any posts. However, by setting out the above guidelines, we hope to raise the credibility of the discussion and foster a spirit of open, honest exchanges of information. If you have any comments on our policies, or complaints or concerns of any kind about any posts, please contact us at info@trackrecordasia.com. We will review all of the information that you communicate to us, but we may not be able to take action or respond directly to each email. When you post any User Submission on the subscription product(s) or give TrackRecord permission to post your Content, you agree to:

Post comments in both tone and content that contribute in a positive and high quality manner to the substantive exchange of information and the subject matter of the subscription product(s).
Automatically grant TrackRecord a royalty-free, perpetual, worldwide, irrevocable, non-exclusive and fully transferable and sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display any User Submission (in whole or in part) and/or to incorporate any of your User Submission in other works now or in the future and in any media formats and through any media channels, and you confirm and warrant to TrackRecord that you own the copyright in each of your User Submissions and have all the rights, power and authority necessary to grant the above license and rights.

TrackRecord will use commercially reasonable efforts to attribute material User Submissions to the author. If you provide any feedback or suggestions to TrackRecord regarding the subscription product(s) or TrackRecord’s services, including without limitation in response to a survey or in connection with a particular User Submission (collectively, "Feedback"), TrackRecord may use such Feedback for any purpose, including without limitation to provide it to authors on their dashboard. In order that we may incorporate such Feedback into TrackRecord’s subscription product(s) and/or services, TrackRecord alone will own all right, title and interest, including all related intellectual property rights, in and to all such Feedback and you hereby assign such Feedback to TrackRecord free of charge. When you post any User Submission on the subscription product(s), you also agree to abide by the following disclosure rules:

To disclose the existence at the time of writing of a long or short position (including stocks, options or other instruments) in any stock mentioned in any User Submission
You may not write about a stock with the intention to boost or reduce the stock's price and sell (or buy) the stock into the resulting strength or weakness.
If you intend at the time or writing to sell or buy a stock within three days of publication of a User Submission that discusses that stock, you must disclose this.
Abide by the following conflict of interest rule: You will disclose any material relationships with companies whose stocks you write about in a User Submission or parties that stand to gain in any way from the viewpoint you are outlining. Examples: You must disclose if you are employed by a company whose stock you are writing about; perform consulting for a company you write about; receive paid advertising revenue or any other form of sponsorship fee from a company you write about. This applies to narrow asset classes as well. For example, if you are paid to promote a gold dealer, that must be disclosed in any User Submission about gold.
If you choose an alias, be responsible for all statements made and acts or omissions that occur by use of your alias.
Waive all rights against TrackRecord and hold TrackRecord harmless relating to any claims relating to any action taken by TrackRecord as part of its investigation of a suspected violation or result of its conclusion that a violation of these Terms and Conditions has occurred, including but not limited to the removal of User Submission from the subscription product(s) or a suspension or termination of your access to the subscription product(s).

Maintain and promptly update your registration data to keep it true, accurate, current and complete. You agree not to:

Choose an alias that is threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, hatefully, racially, ethnically or otherwise or objectionable.
Post or transmit any Content that you either know or should know is false, deceptive or misleading, or misrepresent or deceive others as to the source, accuracy, integrity or completeness of any comment you post.
Post or transmit any Content that is unlawful, harmful or injurious to others, contains software viruses, or other harmful computer code, files or programs, threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, hatefully, racially, ethnically or otherwise tortious or objectionable.
Post or transmit any Content that does or may invade the privacy or violate or infringe on any rights of others, including, without limitation, copyrights and other intellectual property rights.
By use of your alias or in any comment, impersonate any person or entity, falsely or deceptively state, infer or otherwise misrepresent your affiliation with or connection to any person or entity.
Post or transmit any Content which, either the act of posting or the comment itself, you do not have a right to do under any law, regulation or order of any court, or as a result of an employment, contractual, fiduciary or other legal obligation or relationship.
Post or transmit any advertising, promotional materials, so called "chain letters," "pyramid" or other schemes or invitations to participate in these or any other form of solicitation or promotion.
Post or transmit any non-public or otherwise restricted, confidential or proprietary information without authorization.

Everyone who submits a User Submission, whether published on the subscription product(s) or not, is solely responsible for her or his own acts, including the content, context or information in the User Submission he or she submits. This means that everyone, and not TrackRecord, is entirely responsible for anything and everything she or he posts in the subscription product(s). TrackRecord does not, and does not intend to, pre-screen any comments posted on its subscription product(s), and TrackRecord cannot and does not guarantee the accuracy, integrity or quality of anything that may appear on its subscription product(s). While we believe that the subscription product(s) can and should be a positive environment for the exchange of information, you understand that the subscription product(s) is open for posting to all users. Some individuals may post comments that may be offensive, indecent, objectionable, false, misleading or simply inappropriate. SECTION 15 – IMPORTANT SECURITIES DISCLAIMER You understand that no views, opinions or content published in the subscription product(s) constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that none of the information providers, or their affiliates are advising you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent that any of the content published in the subscription product(s) may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security is subject to several risks, and that discussions of any security published will not contain a list or description of relevant risk factors. In addition, please note that some of the stocks about which content is published have a low market capitalization and/or insufficient public float. Such stocks are subject to more risk than stocks of larger companies, including greater volatility, lower liquidity and less publicly available information. Content in the subscription product(s) which may or may not be deemed by you to be recommendations may have an effect on their stock prices. You understand that performance data is supplied by sources believed to be reliable, that the calculations herein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete. From time to time, reference may be made in the subscription product(s) to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or opinion, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon. All content in the subscription product(s) is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. SECTION 16 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY We do not guarantee, represent or warrant that your use of our subscription product(s) will be uninterrupted, timely, secure or error-free. We do not warrant that the results that may be obtained from the use of the subscription product(s) will be accurate or reliable. You agree that from time to time we may remove the subscription product(s) for indefinite periods of time or cancel the subscription product(s) at any time, without notice to you. TrackRecord reserves the right to modify the content, inclusions, type and availability of any subscription product(s) at any time. We reserve the right under special circumstances to enable free access to our subscriber content for a limited period of time. During this time subscribers will not be eligible for a refund. If any or all of our subscription product(s) are temporarily unavailable, you will not automatically be entitled to receive a refund. We reserve the right to issues refunds or credits at our sole discretion. If we issue a refund or credit, we are under no obligation to issue the same or similar refund in the future. You expressly agree that your use of, or inability to use, the subscription product(s) is at your sole risk. The subscription product(s) delivered to you are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement. In no case shall TrackRecord, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the subscription product(s) procured, or for any other claim related in any way to your use of the subscription product(s), including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the subscription product(s) posted, transmitted, or otherwise made available via the subscription product(s), even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law. The content, views and opinions provided in the subscription product(s) is not intended to provide tax, legal, insurance or investment advice, and nothing in the subscription product(s) should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by TrackRecord. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation. SECTION 17 - INDEMNIFICATION You agree to indemnify, defend and hold harmless TrackRecord Pte. Ltd and our subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms and Conditions or the documents they incorporate by reference, or your violation of any law or the rights of a third-party. This defense and indemnification obligation will survive these Terms and Conditions and your use of the subscription product(s). SECTION 18 - SEVERABILITY In the event that any provision of these Terms and Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms and Conditions, such determination shall not affect the validity and enforceability of any other remaining provisions. SECTION 19 - TERMINATION The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes. These Terms and Conditions are effective unless and until terminated by either you or us. You may terminate these Terms and Conditions at any time by notifying us that you no longer wish to use our subscription product(s). If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms and Conditions, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our subscription product(s) (or any part thereof). SECTION 20 - ENTIRE AGREEMENT The failure of us to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. These Terms and Conditions and any policies or operating rules posted by us on this site or in respect to the subscription product(s) constitutes the entire agreement and understanding between you and us and govern your use of the subscription product(s), superseding any prior or contemporaneous agreements, Communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms and Conditions). Any ambiguities in the interpretation of these Terms and Conditions shall not be construed against the drafting party. SECTION 21 - GOVERNING LAW These Terms and Conditions and any separate agreements whereby we provide you the subscription product(s) shall be governed by and construed in accordance with the laws of the state of Singapore. SECTION 22 - CHANGES TO TERMS AND CONDITIONS You can review the most current version of the Terms and Conditions at any time by requesting it via email to info@trackrecordasia.com We reserve the right, at our sole discretion, to update, change or replace any part of these Terms and Conditions by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. SECTION 23 - TERMS AND CONDITIONS CONTACT INFORMATION Questions about TrackRecord Pte Ltd’s Terms and Conditions should be sent to us at info@trackrecordasia.com.

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