Terms of Use

1. Acceptance of Terms

By accessing or using this website (“Website”), you are deemed to have accepted these Terms of Use. If you do not agree with any part of these Terms, please stop using the Website immediately.

We may update, amend, or modify these Terms of Use and the Website’s content at any time without prior notice. Changes take effect once posted on this page, and continued use of the Website constitutes acceptance of the revised Terms.

2. Website Content & Disclaimer

All information, materials, and content (“Content”) found on this Website are provided on an “as is” and “as available” basis. While we take reasonable efforts to ensure accuracy and reliability at the time of publication, we make no guarantee, representation, or warranty—express or implied—regarding the accuracy, timeliness, completeness, or suitability of the Content.

We do not assume responsibility for:

• errors, omissions, or inaccuracies;
• reliance on any Content;
• availability, updates, or changes in pricing or product information.

To the extent permitted by applicable law, MGA disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

3. No Financial, Legal, or Professional Advice

The Content on this Website is for general information only and does not:

• constitute financial advice, professional recommendations, or legal/tax guidance;
• take into account your specific objectives, financial situation, or needs;
• represent an offer or solicitation for any product or service.

Users should seek independent financial, tax, or legal advice before making any decisions based on information found here.

4. Governing Law

These Terms of Use are governed by and interpreted in accordance with the laws of the Republic of Singapore.

5. Use of Website

You agree not to:

• use the Website for any unlawful, fraudulent, defamatory, or harmful activity;
• transmit viruses, malware, or harmful code;
• attempt unauthorised access to any systems or data;
• reproduce, copy, modify, distribute, or exploit any part of the Website without prior written consent;
• infringe any intellectual property rights or misuse confidential information.

You must comply with all applicable laws and regulations when using the Website.

6. Intellectual Property

All trademarks, logos, text, images, graphics, and other intellectual property on the Website are owned by or licensed to MGA. No rights or licences are granted to users. You may view and download materials for personal use only, provided all copyright notices are retained.

Any commercial use, reproduction, modification, redistribution, or republication requires prior written approval from MGA.

7. Confidential Information

In using the Website, you may become exposed to confidential or proprietary information. You must:

• treat such information as strictly confidential,
• not disclose it to third parties unless authorised,
• not misuse or exploit it for any purpose outside the intended use of the Website.

You are responsible for any misuse of confidential information by you or persons acting on your behalf.

8. Messaging & Communications

Where the Website allows messaging or email features:

• Communications may not be encrypted unless stated.
• MGA is not liable for lost, delayed, intercepted, corrupted, or undelivered messages.
• You are responsible for ensuring messages sent to MGA are accurate and successfully received.

MGA reserves the right to reject or disregard email instructions at its sole discretion.

9. Security & Viruses

We implement reasonable security measures but cannot guarantee that:

• the Website or downloadable files are free of viruses or harmful code,
• transmissions over the Internet are secure or uninterrupted.

You are responsible for using up-to-date antivirus software and taking appropriate safety precautions.

10. Limitation of Liability

To the maximum extent permitted by law, MGA, its directors, officers, and employees are not liable for:

• direct, indirect, incidental, special, punitive, or consequential losses or damages arising from the use or inability to use the Website;
• any errors, omissions, or inaccuracies in the Content;
• any interruption, breakdown, or termination of Website access.

Your sole remedy for dissatisfaction is to discontinue using the Website.

11. Indemnity

You agree to indemnify and hold MGA, its directors, officers, employees, and partners harmless from all claims, losses, damages, liabilities, costs, or expenses arising from:

• your use or misuse of the Website,
• breach of these Terms,
• infringement of any rights or violation of any laws.

12. Hyperlinks to Third-Party Sites

This Website may contain links to external or third-party websites. MGA:

• does not endorse, guarantee, or verify third-party content;
• is not responsible for the availability, accuracy, or security of external sites.

Accessing linked sites is at your own risk, and their separate terms and privacy policies apply.

13. Personal Data & Privacy

By using this Website, you acknowledge that:

• certain personal data may be collected automatically (e.g., IP address, browser type, access times);
• cookies may be used to enhance user experience and analyse usage patterns;
• personal information provided by you may be used for customer support, analytics, service improvements, and other permitted purposes.

For full details, please refer to MGA’s PDPA.

14. Changes, Suspension, or Termination

MGA may, at its sole discretion and without notice:

• modify or update any part of the Website;
• suspend or terminate Website access;
• remove or revise Content.

All disclaimers, limitations of liability, and indemnities will survive termination.

15. Rights of Third Parties

Nothing in these Terms creates rights for any third party. The Singapore Contracts (Rights of Third Parties) Act does not apply.