Introduction

By using any products, materials, website or recordings from DividendTitan.com, you signify your agreement to these Terms of Service. If you do not agree to these Terms of Service, you may not use any of the products, materials, website or recordings. In addition, when you use any of our current or future services, you will also be subject to our guidelines, terms, conditions and agreements applicable to those services. If these Terms of Service are inconsistent with the guidelines, terms and agreements applicable to those services, these Terms of Service will control.

DividendTitan.com provides you with access to our online courses, discussion groups, tools and materials for educational and informational purposes through our website located at www.dividendtitan.com (including any sub-domains therein), subject to Terms of Service.

Access and Use of Service
The Service, and any content viewed through the Site and/or Service, is solely for your personal and non-commercial use. With your purchase of the Service, we grant you a limited, non-exclusive, non-transferable, licence to access and view on the Site our online courses, discussion groups, tools and materials for educational and informational purposes.

Except for the foregoing limited licence, no right, title or interest shall be transferred to you.

You agree not to use the content on Site and/or Service for any purpose other than for your personal educational and informational purposes. You agree that you shall not copy, reproduce, republish, download (unless we explicitly state otherwise), share, upload, post, transmit, distribute, sell, resell or otherwise exploit for any commercial purpose the content on the Service and/or Site.

We may revoke your licence at any time for any reason whatsoever at our sole discretion. Upon such revocation, you agree that you shall promptly destroy all content downloaded or otherwise obtained through the Site and/or Service, as well as copies of such materials, whether made in accordance with these Terms of Service or otherwise.

You agree that you shall access the content on the Site and/or Service on a single computer, and that any access of the content on the Site and/or Service by you through another website or computer is strictly prohibited.

You agree that you shall keep intact all copyright, trademark and other proprietary rights associated with the content on the Site and/or Service by not modifying any of the said content in a manner that suggests an association with our products, services and/or brands.

Conditions of Use
You are solely responsible for all content that you upload, post, publish or display (hereinafter, “upload”) or email or otherwise use via the Service, including but not limited to any code, video, images, information, data, text, software, music, sound, photographs, graphics, messages or other materials. We reserve the right to investigate or take appropriate legal action against anyone who, at our sole discretion, violates this provision, including but without limitation, removing the offending content from the Service, suspending or terminating the account of such violator(s) and reporting such violator(s) to the law enforcement authorities.

Where we have imposed any restrictions on access to the online courses available through the Site and/or Service, you agree that you shall not allow any other person to share your access to such online courses available through the Site and/or Service.

Unless otherwise expressly authorised herein or by us in writing, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer or upload for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.

You agree that you shall not directly or indirectly conduct, advertise, promote or solicit any business activity in competition with us or any of our associated products and services. We reserve the right to revoke your participation and terminate your privileges enjoyed through the Site and/or Service in the event that we at our sole discretion determine that you are in breach of this provision. There shall be no partial or full refund for any of your purchase(s) of the Service prior to such revocation and termination.

Intellectual Property Rights
You acknowledge and agree that the Site and Service contain content or features that are protected by copyright, patent, trademark, trade secret or other proprietary rights and laws. Except as expressly authorised by us, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Site, Service or Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below) that you legally upload to the Site or Service.

In connection with your use of the Site and/or Service, you agree that you shall not engage in or use any data mining, robots, scraping or similar data gathering or extraction methods.

If you are blocked by us from accessing the Site or Service (including but not limited to blocking your Internet Protocol address), which may be done at our sole discretion for any reason whatsoever, you agree not to implement any measures to circumvent such blocking (e.g. by masking your IP address or using a proxy IP address). Any use of the Site, Service or Content other than as specifically authorised herein is strictly prohibited.

Exclusion of Liability
You expressly understand and agree that we will not be liable for any loss or damage of any nature, including but not limited to loss or damage that is:

1.     direct;

2.     indirect;

3.     special;

4.     consequential;

5.     exemplary;

6.     loss of profits;

7.     loss of goodwill;

8.     loss of use;

9.     loss of data; and/or

10.  other intangible loss,

even if we have been advised of the possibility of such loss or damage, whether or not based on contract, tort, negligence, strict liability, resulting from:

1.     the use or inability to use the Site and/or Service;

2.     the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Site and/or Service; or

3.     unauthorised access to or alteration of your transmissions or data;

4.     statements or conduct of any third party on the Site and/or Service; or

5.     any other matter relating to the Site and/or Service.

You agree that if you are dissatisfied with any portion of the Site and/or Service or with these Terms of Service, your sole and exclusive remedy is to discontinue your use of the Service.

Amendment
We reserve the right, in our sole discretion, to change, modify, add or delete portions of these Terms of Service at any time without notice, and it is your responsibility to review these Terms of Service for any changes. Your use of the products, materials, website or recordings following any change to these Terms of Service will constitute your assent to and acceptance of the revised Terms of Service.

Termination

These Terms of Service are effective until terminated by either you or us. You may terminate these Terms of Service prospectively at any time by discontinuing your access to and use of the Website and destroying all materials obtained from the Website and all related documentation and all copies and installations thereof, whether made under these Terms of Service or otherwise. If you terminate these Terms of Service, you shall notify us by sending notice of such termination by certified Singapore mail, postage to:

Willie Keng & Associates Pte Ltd

7 Temasek Boulevard

#12-07 Suntec Tower One

Singapore 038987

We may terminate these Terms of Service (including your access to and use of the Website) without cause and without notice to you, in our sole discretion. Upon termination, you must cease any access to or use of the Website and destroy all materials obtained from the Website and all related documentation and all copies and installations thereof, whether made under these Terms of Service or otherwise. We have adopted and implemented a policy that provides for the termination, in appropriate circumstances, of users who are repeat infringers of copyright. The provisions of these Terms of Service, which by their nature should survive the termination of these Terms of Service, shall survive such termination.

Electronic Communications

When you visit the Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.