Terms & Conditions

These terms and conditions, together with any and all other documents referred to herein, set out the terms of use under which you may use this website, www.monfx.com ("Our Site"). Please read these terms and conditions carefully and ensure that you understand them. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of Our Site. If you do not agree to comply with and be bound by these terms and conditions, you must stop using Our Site immediately.

In this Policy, the following terms shall have the following meanings:

"personal data" means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the Personal Data Protection Act ("PDPA"); and

"We/Us/Our" means MonFX Pte. Ltd., a private limited company registered in Singapore with registration number 201611101E, whose trading address is 5 Shenton Way, UIC Building, #10-01, Singapore 068808.

2.1 Our Site is operated by pacwebhosting.uk Ltd, a limited company registered in the United Kingdom, whose registered address is International House, 61 Mosley Street, Manchester, M2 3HZ, United Kingdom.

2.2 Our Site is maintained by Cogent Design Limited, a private limited company registered in England under company number 03698789, whose registered address is 6b Parkway, Porters Wood, St Albans, Hertfordshire, AL3 6PA.

2.3 For any data protection or PDPA-related questions, please email dpo@monfx.com, or contact by post at DPO of MonFX Pte. Ltd., 5 Shenton Way, UIC Building, #10-01, Singapore 068808.

2.4 We are regulated by the Monetary Authority of Singapore as a Major Payment Institution under the Payment Services Act 2019.

3.1 Access to Our Site is free of charge.

3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.

3.3 Access to Our Site is provided "as is" and on an "as available" basis. We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

4.1 All content included on Our Site and the copyright and other intellectual property rights subsisting in that content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content is protected by applicable Singapore and international intellectual property laws and treaties.

4.2 Subject to sub-Clause 4.3 you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use content from Our Site unless given express written permission to do so by Us.

4.3 You may:

• Access, view and use Our Site in a web browser (including any web browsing capability built into other types of software or app);
• Download Our Site (or any part of it) for caching;
• Print pages from Our Site;
• Download extracts from pages on Our Site; and
• Save pages from Our Site for later and/or offline viewing.

4.4 Our status as the owner and author of the content on Our Site (or that of identified licensors, as appropriate) must always be acknowledged.

4.5 You may not use any content saved or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or our licensors, as appropriate) to do so.

4.6 Nothing in these Terms and Conditions limits or excludes the provisions of Copyright Act (Chapter 63) 'Acts Not Constituting Infringement of Copyright Works', covering in particular the making of temporary copies; research and private study; the making of copies for text and data analysis for non-commercial research; criticism, review, quotation and news reporting; caricature, parody or pastiche; and the incidental inclusion of copyright material.

5.1 You may link to Our Site provided that: you do so in a fair and legal manner; you do not do so in a manner that suggests any form of association, endorsement or approval on Our part where none exists; you do not use any logos or trade marks displayed on Our Site without Our express written permission; and you do not do so in a way that is calculated to damage Our reputation or to take unfair advantage of it.

5.2 You may not link to any page other than the homepage of Our Site, www.monfx.com. Deep-linking to other pages requires Our express written permission.

5.3 Framing or embedding of Our Site on other websites is not permitted without Our express written permission. Please contact Us at dpo@monfx.com for further information.

Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.

7.1 Nothing on Our Site constitutes advice on which you should rely. It is provided for general information purposes only.

7.2 Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.

7.3 We make reasonable efforts to ensure that the content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the content is complete, accurate, or up-to-date.

8.1 To the fullest extent permissible by law, We accept no liability to any user for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use of or reliance upon any content included on Our Site.

8.2 To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any content included on Our Site.

8.3 If you are a business user, We accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.

8.4 Nothing in these Terms and Conditions excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law.

9.1 We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware.

9.2 You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.

9.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.

9.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.

9.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.

9.6 By breaching the provisions of sub-Clauses 9.3 to 9.5 you may be committing a criminal offence under the Computer Misuse Act (Chapter 50A). Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them.

10.1 You may only use Our Site in a manner that is lawful. Specifically, you must ensure that you comply fully with any and all local, national or international laws and/or regulations; you must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent; you must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware; and you must not use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way.

10.2 We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this Clause or any of the other provisions of these terms and conditions.

Use of Our Site is also governed by Our Cookie and Privacy Policies, available at Cookie Policy and Privacy Policy. These policies are incorporated into these terms and conditions by this reference.

12.1 We may alter these Terms and Conditions at any time. If We do so, details of the changes will be highlighted at the top of this page. Any such changes will become binding on you upon your first use of Our Site after the changes have been implemented.

12.2 In the event of any conflict between the current version of these terms and conditions and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

To contact Us, please email Us at dpo@monfx.com or use any of the methods provided on Our contact page.

14.1 Any and all personal information that We may collect will be collected, used and held in accordance with the provisions of the PDPA and your rights and Our obligations under that Act.

14.2 We may use your personal information to reply to any communications you send to Us.

15.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise), shall be governed by and construed in accordance with Singapore law.

15.2 If you are a consumer, any disputes concerning these terms and conditions shall be subject to the jurisdiction of the courts of Singapore, as determined by your residency.

15.3 If you are a business, any disputes shall be subject to the exclusive jurisdiction of the courts of Singapore.