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User Agreement & Privacy Policy

  /  User Agreement & Privacy Policy

User Agreement

The following describes the terms on which G&L Chartered Business Consultants Pte Ltd (G&L) offers you access to our services.

Introduction

Welcome to G&L. By using the gnlconsultancy.com.sg website including its related sites, services and tools (the “Website”), you agree to the following terms, including those available by hyperlink, with G&L Chartered Business Consultants Pte Ltd and its affiliates (together “G&L Chartered Business Consultants” or the “Company”), and the general principles for this Website. If you have any questions, please contact our CS Helpline at 6829 7253.

This Agreement is effective on 1st January 2019 for current users, and immediately upon acceptance by new users.

Scope

Before you may become a member of the Website, you must read and accept all of the terms and conditions in, and linked to, this User Agreement and Privacy Policy We strongly recommend that, as you read this User Agreement, you also access and read the linked information. By accepting this User Agreement, you agree that this User Agreement and Privacy Policy will apply whenever you use our Website and services, or when you use the tools we make available to interact with our Website and services.

Your Account

If you use this Website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18 years old, you may use this Website only with authorization from a parent or legal guardian.

The Company reserves the right to refuse service, terminate accounts, remove or edit content, cancel orders, credit purchased and/or bookings of consultancies and/or re-scheduling of courses in its sole discretion.

Using this Website

While using this Website, you will not :

  • use our Website or services if you are not able to form legally binding contracts, are under the age of 18, or are temporarily or indefinitely suspended from our Website;
  • circumvent or manipulate our points, reward or fee structure, the billing process, or any payments owed to the Company;
  • declare false, inaccurate or misleading content (including personal information);
  • take any action that may undermine the feedback or ratings systems;
  • transfer your account to another party without the Company’s written consent;
  • distribute or post spam, chain letters, or pyramid schemes;
  • distribute viruses or any other technologies that may harm the Website, or the interests or property of users of the Website;
  • copy, modify, or distribute content from the Website and the Company’s copyrights and trademarks; or
  • harvest or otherwise collect information about users, including email addresses, without their consent; or
  • use existing user accounts or create new user accounts in order to circumvent or avoid payment.

Violations of this policy may result in a range of actions, including:

  • Loss of Membership Privileges
  • Loss of Points or/and Loyalty Points Earned
  • Limits placed on account privileges
  • Account suspension / termination
  • Criminal charges / claim for damages

Abusing our Website

We strive to keep our Website and services working properly and safe. Please report problems and policy violations to us.

We may limit, suspend, or terminate our service and user accounts, prohibit access to our site, delay or remove hosted content, and take technical and legal steps to keep users off the sites if we think that they are creating problems or possible legal liabilities, infringing the intellectual property rights of third parties, or acting inconsistently with the letter or spirit of our policies (for example, and without limitation, policies related to shill bidding, conducting off-site transactions, feedback manipulation, circumventing temporary or permanent suspensions or users who we believe are harassing our employees or other users). Additionally, we may, in appropriate circumstances and at our discretion, suspend or terminate accounts of users who may be repeatedly tries to manipulate the reward or/and point system. We also reserve the right to cancel unconfirmed accounts or accounts that have been inactive for a long time.

Purchase and Payment

You should carefully read the terms and condition for each course and service and review information such as price, terms and conditions before making purchases or bookings.

We take no responsibility and assume no liability for any loss or damages to a user arising wrong remittance by the buyer in connection with the payment for the purchases of consultancy services or/and booking of courses. We reserve the right to check whether a user is duly authorized to use certain payment method, and may suspend the transaction until such authorization is confirmed or cancel the relevant transaction where such confirmation is not available.

Service Delivery

On receipt of the payment from our backend system, the Company shall instruct its associates or/and employees to take necessary actions in confirming your booking for the course(s) or consultancy services with a confirmation through email within 3 business days from the date of the receipt of the payment.

Cancellation, Return and Refund

User may cancel purchases or Course(s) Booking at any time before the confirmation email is send. Once the confirmation email had been sent, purchases or booking will be subject to return processing fee of SGD$30 per cancellation.

Clients may request for monetary refund for services or course(s) purchased at any time within 7 days from the date of receipt. With respect to return-related matters, relevant laws and regulations shall prevail over the terms and conditions suggested by the company.

Return costs shall be borne by the party attributable to the return request, such as:

  • the user, where the return is due to his/her change of mind; and
  • the company, where the return is due to undelivered services or services delivery delay.

All cancellation shall be send to the company in writing to ccs@gnlconsultancy.com.sg with attachment of the confirmation email or/and payment reference number. And refund will be process within 7 business days subjected to the prevailing return processing fee of SGD$30 per cancellation.

Upon completion of the cancellation or the return process, the Company shall refund by immediately cancelling the credit card transaction authorization in case of payment by credit card or by depositing the amount paid by the user by converting the total refundable monetary amount to the client by Cheque in case of payment by cash. User may at any time request to withdraw from the member account by giving the company a notice by writing to ccs@gnlconsultancy.com.sg.

Pricing (The Company) Activities

The company shall properly manage and ensure that relevant information such as the price and the details of the course booking system and terms and conditions of purchase of courses(s)or booking of services is updated and shall not post inaccurate information.

The courses and services listed for sale will be determined by the company at its discretion. The Company may wish to take into consideration all relevant factors, including processing or administration fee in relation to the transaction or other service fees. And all transactions shall be in Singapore Dollar (SGD).

The Company shall issue receipts to the user on request, if such issuance is required under the laws of Singapore, and the buyer agree that the Company may issue such receipts or tax invoice under the name of the user for and on behalf of the user.

Service Fees

Joining this Website is free, we do not charge members any fees for signing up an account with us.

All service fees are subject to taxes that may be applicable by laws and regulations and the Company will charge buyers such taxes accordingly. User agree that service fees and taxes may be paid by deducting from the purchase price of points / booking of courses paid by users. The Company shall issue receipts or tax invoices for service fees paid by user on a monthly basis.

Settlement

User shall submit personal identification information such as a copy of NRIC, passport and bank account information together with a document evidencing that the bank account is owned by and in the name of the user within 2 weeks from the date of user registration for security and authenticity purpose.

Holds

We may deduct from the Refund Amount any expenses or loss to the Company due to user. To protect against the risk of liability, payments of the Settlement Amount may be subject to holds at our discretion.

Other Businesses

Parties other than the Company list advertisement on this Website, and this site may link to sites of affiliated companies and certain other companies. The Company is not responsible for examining or evaluating, and does not warrant the products or/and services of such business or the content of their web sites. The Company does not assume any responsibility or liability for the actions, product and content of all these and any other third parties. You should carefully review their privacy statements and other conditions of use.

Dispute

Notwithstanding anything in this Contract, in the event of any dispute, controversy or claim arising out of or relating to this Contract, no Party shall proceed to any form of dispute resolution unless the Parties have made reasonable efforts to resolve the same through mediation in accordance with the Mediation Procedure of the Singapore Mediation Centre for the time being in force. A Party who receives a notice for mediation from the other Party shall consent and participate in the mediation process or shall be deemed to be in breach of contract.

Access and Interference

Our Website contains exclusion headers. Much of the information on the sites is updated on a real-time basis and is proprietary or is licensed to the Company by our partners or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the sites for any purpose without our express written permission.

Additionally, you agree that you will not:

  • copy, reproduce, modify, create derivative works from, distribute, or publicly display any content on other media related platforms (except for Your Information) from the Website without the prior expressed written permission of the Company and the appropriate third party, as applicable;
  • interfere or attempt to interfere with the proper working of the Website or any activities conducted on the Website; or
  • bypass our robot exclusion headers or other measures we may use to prevent or restrict access to the Website.

Privacy

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We use your information only as described in our Privacy policy. We view protection of users’ privacy as a very important community principle. We store and process your information on computers that are protected by physical as well as technological security devices. You can access and modify the information you provide us and choose not to receive certain communications by signing-in to your account. For a complete description of how we use and protect your personal information, see our Privacy policy. If you object to your Information being transferred or used in this way, please do not use our services.

For the avoidance of doubt, If G&L has reasonable grounds to believe that any User is in breach of any of the terms of this Agreement, G&L reserves the right, in its sole and absolute discretion, to cooperate fully with governmental authorities, private investigators, all the rightful owner(s) or interest holder(s) and/or injured third parties in the investigation of any potential or ongoing criminal or civil wrongdoing. Further, G&L may disclose the User’s identity and contact information, or such other transaction-related data, if requested by a government or law enforcement body, private investigator, rightful owner or interest holder and/or any injured third party or as a result of a subpoena or other legal action, or if G&L is of the view, in its sole and absolute discretion, that it would be in its best interest to do so. G&L shall not be liable for damages or results arising from such disclosure, and the User(s) agrees not to bring action or claim against G&L for such disclosure.

Indemnity

You will indemnify and hold us (and our officers, directors, agents, subsidiaries, joint ventures 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 this Agreement, or your violation of any law or the rights of a third party.

ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND OTHER CONTENT CONTAINED IN THIS WEBSITE, OR OBTAINED FROM A LINKED SITE IS PROVIDED TO THE USER “AS IS” WITHOUT WARRANTY OR CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. THE COMPANY HAS MADE REASONABLE EFFORTS TO POST CURRENT AND ACCURATE INFORMATION ON THIS WEBSITE; HOWEVER, THE COMPANY ASSUMES NO RESPONSIBILITY FOR ANY ERRORS, OMISSIONS OR INACCURACIES WHATSOEVER IN THE INFORMATION PROVIDED IN THIS WEBSITE. UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY THE USER’S RELIANCE ON INFORMATION OBTAINED THROUGH THIS WEBSITE. IT IS THE USER’S RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ANY INFORMATION PROVIDED, AND USE OF THIS WEBSITE IS SOLELY AT THE USER’S OWN RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO SOME USERS.

Limitation of Liability

THE USER SPECIFICALLY AGREES THAT THE COMPANY SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED OR NOT SENT OR RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH THIS WEBSITE. THE USER SPECIFICALLY AGREES THAT THE COMPANY IS NOT RESPONSIBLE FOR ANY CONTENT SENT USING THE COMMUNICATION SERVICES AND/OR INCLUDED IN THIS SITE BY ANY THIRD PARTY.

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, (INCLUDING WITHOUT LIMITATION, THOSE RESULTING FROM: (1) RELIANCE ON THE MATERIALS PRESENTED, (2) LOSS OF USE OR DATA, (3) DELAYS OR BUSINESS INTERRUPTIONS, (4) AND ANY THEORY OF LIABILITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF, OR INABILITY TO USE THIS WEBSITE, WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

No Agency

No agency, partnership, joint venture, employer-employee or franchisor-franchisee relationship is intended or created by this User Agreement. No agency, partnership, joint venture, employer-employee or franchisor-franchisee relationship is intended, exists or is created between the Company and any user.

Notices

Except as explicitly stated otherwise, any legal notices shall serve on G&L CHARTERED BUSINESS CONSULTANTS PTE LTD via registered mail, to 50 Raffles Place, Singapore Land Tower, Level 37, Singapore 048623 (in the case of the Company) or to the email address you provide to us during the registration process (in your case). Notice shall be deemed given 24 hours after email is sent, unless the sending party is notified that the email address is invalid. Alternatively, we may give you legal notice by mail to the address provided during the registration process. In such case, notice shall be deemed given three days after the date of mailing unless otherwise required by law.

Applicable Law and Jurisdiction

By visiting this Website, you agree that the laws of Singapore, without regard to principles of conflict of laws, will govern this User Agreement and any dispute of any sort that might arise between you and the Company.

The courts of Singapore will have non-exclusive jurisdiction over any legal action or the proceedings against the Company arising out of, with respect to, or in connection with any disputes over this User Agreement and disputes between Users.

General

If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Headings are for reference purposes only and do not limit the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee we will take action against all breaches of this Agreement.

We may amend this Agreement at any time by posting the amended terms on this site. Except as stated elsewhere, all amended terms shall automatically be effective 14 days after they are initially posted. This Agreement may not be otherwise amended except in a writing signed by you and us. This Agreement sets forth the entire understanding and agreement between us with respect to the subject matter hereof.

For the avoidance of doubt, If G&L has reasonable grounds to believe that any User is in breach of any of the terms of this Agreement, G&L reserves the right, in its sole and absolute discretion, to cooperate fully with governmental authorities, private investigators, all the rightful owner(s) or interest holder(s) and/or injured third parties in the investigation of any potential or ongoing criminal or civil wrongdoing. Further, G&L may disclose the User’s identity and contact information, or such other transaction-related data, if requested by a government or law enforcement body, private investigator, rightful owner or interest holder and/or any injured third party or as a result of a subpoena or other legal action, or if G&L is of the view, in its sole and absolute discretion, that it would be in its best interest to do so. G&L shall not be liable for damages or results arising from such disclosure, and the User(s) agrees not to bring action or claim against G&L for such disclosure.

 

Privacy Policy

We, G&L CHARTERED BUSINESS CONSULTANTS PTE LTD and its affiliates (the “Company”), take your personal information seriously and use or keep it confidential. In order to protect your private information, we have established this Privacy Policy (the “Policy”) in accordance with best practices in the industry and applicable laws and regulations. This Policy describes how we handle your personal information for our services on the gnlconsultancy.com.sg website and its related sites, services and tools (the “Website”).

By accepting the Policy and the User Agreement in registration, you expressly consent to our collection, storage, use and disclosure of your personal information as described in this Policy. This Policy is effective on January 1, 2019 for current users, and immediately upon acceptance by new users.

Collection

You can browse our sites without telling us who you are or revealing any personal information about yourself. Once you give us your personal information, you are not anonymous to us. If you choose to provide us with personal information, you consent to the transfer and storage of that information on our servers located in the Republic of Singapore.

We may collect and store the following personal information:

  • email address, physical contact information, the date of birth and gender information, and (depending on the service used) sometimes financial information, such as credit card or bank account numbers;
  • transactional information based on your activities on the Website (such as buying of services or/and booking of course and content you generate or that relates to your account);
  • dispute resolution, correspondence through our Website, and correspondence sent to us;
  • other information from your interaction with our Website, services, content and advertising, including computer and connection information, statistics on page views, traffic to and from the Website, ad data, IP address and standard web log information;
  • additional information we ask you to submit to authenticate yourself or if we believe you are violating site policies (for example, we may ask you to send us any relevant documents to verify your address, or to answer additional questions online to help verify your identity or ownership of the user account);
  • information from other companies, such as demographic and navigation data; and
  • other supplemental information from third parties (for example, if you incur a debt to the Company, we will generally conduct a credit check by obtaining additional information about you from a credit bureau, as permitted by law).

Marketing

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalise our services, content and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customisation programmes, simply indicate your preferences by following the directions provided with the communication or advertisement.

Use

Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient and customized experience. You agree that we may use your personal information to:

  • Provide the services and customer support you request;
  • Resolve disputes, collect fees, and troubleshoot problems;
  • Prevent potentially prohibited or illegal activities, and enforce our User Agreement; – Customize, measure and improve our services, content and advertising;
  • Tell you about our services and those of our corporate family;
  • Send you targeted marketing, service updates, and promotional offers; and – Compare information for accuracy, and verify it with third parties.

Our Disclosure of Your Information

We may disclose personal information to respond to legal requirements or enforce our policies. Such information will be disclosed in accordance with applicable laws and regulations.

Share of Your Information

We may share your personal information with:

  • Third-party service providers under contract who help with our business operations: We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, maintaining of our website, sending postal mail and e-mail, removing repetitive information from customer lists, analysing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, investigating frauds and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes.
  • Third parties giving promotional offers: Sometimes we send offers to selected groups our users on behalf of other businesses. When we do this, we do not give that business your name and address. If you do not want to receive such offers, please indicate communication preferences upon signing up for the user account.
  • Other third parties to whom you explicitly ask us to send your information (or about whom you are otherwise explicitly notified and consent to when using a specific service).
  • Law enforcement or other governmental officials, in response to a verified request relating to a criminal investigation or alleged illegal activity. In such events, we will disclose information relevant to the investigation, such as name, city, postal code, telephone number, email address, User ID history, IP address, fraud complaints, and purchasing and listing history;
  • Brand Protection Program participants under confidentiality agreement, as we in our sole discretion believe necessary or appropriate in connection with an investigation of fraud, intellectual property infringement, piracy, or other unlawful activity. In such events, we will disclose name, street address, city, postal code,country,phone number, email address and company name; and
  • Other business entities, should we plan to merge with or be acquired by that business entity. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information will be used contrary to this policy, you will receive prior notice.)

For the avoidance of doubt, If G&L CHARTERED BUSINESS CONSULTANTS PTE LTD has reasonable grounds to believe that any User is in breach of any of the terms of this Policy, G&L CHARTERED BUSINESS CONSULTANTS PTE LTD reserves the right, in its sole and absolute discretion, to cooperate fully with governmental authorities, private investigators, all the rightful owner(s) or interest holder(s) and/or injured third parties in the investigation of any potential or ongoing criminal or civil wrongdoing. Further, G&L CHARTERED BUSINESS CONSULTANTS PTE LTD may disclose the User’s identity and contact information, or such other transaction-related data, if requested by a government or law enforcement body, private investigator, rightful owner or interest holder and/or any injured third party or as a result of a subpoena or other legal action, or if G&L CHARTERED BUSINESS CONSULTANTS PTE LTD is of the view, in its sole and absolute discretion, that it would be in its best interest to do so. G&L CHARTERED BUSINESS CONSULTANTS PTE LTD shall not be liable for damages or results arising from such disclosure, and the User(s) agrees not to bring action or claim against G&L CHARTERED BUSINESS CONSULTANTS PTE LTD for such disclosure.

No Spam, Spyware, Spoofing, Phishing or Email Phishing

We do not tolerate spam, fraud, or impersonation. Make sure you set your preferences in gnlconsultancy.com.sg so we can communicate to you as you prefer. To report gnlconsultancy.com.sg -related spam, spoof emails, phishing or email phishing to gnlconsultancy.com.sg, please email us at ccs@gnlconsultancy.com.sg. We automatically scan and may manually filter messages to check for spam, viruses, phishing attacks and other malicious activity, but we do not permanently store messages sent through these tools. We do not rent or sell these email addresses.

Account Protection

Your password is the key to your account. Use unique numbers and letters and do not disclose your password to anyone. If you do share your password or your personal information with others, remember that you are responsible for all actions taken in the name of your account. If you lose control of your password, you may lose substantial control over your personal information and may be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason, you should immediately notify us and change your password.

We will never ask for your password by phone or e-mail, so if you receive such an inquiry, please report the incident to us immediately via our CS Helpline, +65 6829 7253

If you access our Website from a shared computer or a computer in an internet cafe, a PC room or a library, certain information about you, such as your user ID, activity or reminders from the Website, may also be visible to other individuals who use the computer after you. To protect your personal information or communication from being disclosed to others, you should log out and close the web browser after using our Website.

Accessing, Reviewing and Changing Your Personal Information

You can see, review and change most of your personal information by signing on to the Website. Generally, we will not manually modify your personal information because it is very difficult to verify your identity remotely. You must promptly update your personal information if it changes or is inaccurate. Upon your request to the customer service, we will close your account based on your account activity and in accordance with applicable law. We do retain personal information from closed accounts to comply with law, prevent fraud, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, enforce our User Agreement, and take other actions otherwise permitted by law.

Security

All information and data are encrypted during transaction. SSL certification is issued by a certificate authority, Comodo CA Limited and shall be valid at all times.

Your information is stored on our servers located in the Republic of Singapore. We treat data as an asset that must be protected and use lots of tools (encryption, passwords, physical security, etc.) to protect your personal information against unauthorised access and disclosure. Although we work very hard to protect your privacy, we do not promise, and you should not expect, that your personal information or private communications will always remain private.

Third Parties 

Except as otherwise expressly included in this Policy, this document addresses only the use and disclosure of information we collect from you. If you disclose your information to others, whether they are directly related or indirectly related on our Website or other sites throughout the Internet, different rules may apply to their use or disclosure of the information you disclose to them. We do not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others.

General

We may amend this Policy at any time by posting the amended terms on this Website. All amended terms automatically take effect 14 days after they are initially posted. If your questions are not answered online, you may write to us at: G&L CHARTERED BUSINESS CONSULTANTS PTE LTD. Attn: Director for Operations, 50 Raffles Place, Singapore Land Tower, Level 37, Singapore 048623 or using the Contact Us form.