Welcome to our website at URL http://www.readersdigest.com.sg(the "Website"). This Website is operated and owned by Reader's Digest Asia Limited. ("Reader's Digest"). Your access to and use of the Website is subject to these Terms of Use. Please read these Terms of Use carefully before using the Website. If you do not agree to these Terms of Use, please do not use the Website. Use of the Website indicates your acceptance of these Terms of Use.

General Terms & Conditions

1. Access

1.1 Reader's Digest reserves the right to deny you access to, or use of, all or part of the Website, without prior notice, if you engage in any conduct that Reader's Digest believes, in its sole discretion:

(a) violates any term or provision of these Terms of Use; or
(b) violates the rights of Reader's Digest or third parties; or
(c) is otherwise inappropriate for continued access and use of the Website.

2. User Conduct

2.1 You must not use the Website to:

(a) impersonate or otherwise misrepresent your identity, age or affiliation with any other person or entity (including, without limitation, where the Website requires you to register in order to use it);
(b) falsify or delete any attributions, legends, or other proprietary designations of origin or source of any Content (as defined in paragraph 3.1 below);
(c) interfere with or disrupt the Website or servers or computers or networks connected to the Website, or disobey any requirements, procedures, policies, or regulations of networks connected to the Website;
(d) attempt to gain unauthorised access to the Website or computer systems or networks connected to the Website through any means;
(e) commit forgery (or attempted forgery), or harm minors in any way;
(f) send junk, unsolicited obscene, indecent, defamatory, offensive, ethnically objectionable or threatening electronic communications (including without limitation e-mails or material posted at a Reader's Digest forum) to people who would not wish to receive mail from you;
(g) conduct, display, forward, distribute, promote or publish surveys, contests, pyramid schemes, or chain letters;
(h) conduct, display, forward, distribute, promote or publish any material containing any solicitation of funds, advertising or solicitation for goods or services, without Reader's Digest prior written consent;
(i) e-mail, post or transmit any material that you do not have a right to e-mail, post or transmit (including but not limited to material that infringes third party intellectual property rights or that is confidential information);
(j) collect, use, disclose or store personal data about other users, including e-mail addresses; and
(k) violate the laws of Singapore, or any other jurisdiction, international law, convention or regulation.

2.2 You are responsible for maintaining the confidentiality and security of any passwords, identification and log-in information for the Website (the "Security Information"). You agree to notify Reader's Digest immediately of any unauthorised use of the Security Information issued to you or if you lose the Security Information issued to you.

2.3 Please also note that it is your responsibility to ensure that the jurisdiction that you are in permits you to use the Website. If the jurisdiction you are in does not permit you to access the Website, please leave the Website immediately.

3. Intellectual Property Rights

3.1 The information, text materials, graphics, logos, button icons, images, video and audio clips, trade marks and trade names (whether registered or not), advertisements, layout, arrangement, graphical user interface, look and feel of the Website, and control features of the Website (collectively, the "Content") are protected by copyright, trade mark and other intellectual property laws.

3.2 You must not modify, copy, reproduce, republish, frame, upload to a third party, communicate to the public, transmit or distribute in any way any of the Content except as expressly provided in these Terms of Use or as permitted by the Copyright Act of Singapore.

3.3 The Reader's Digest logo and name are the trade marks of Reader's Digest, and may not be used as part of your business or in connection with any goods or services without the prior written consent of Reader's Digest.

3.4 With respect to all information or material submitted to Reader's Digest in connection with the Website (including without limitation e-mails and information posted to Reader's Digest bulletin boards or forums), you grant Reader's Digest a perpetual, irrevocable, non-exclusive license to use, reproduce, publish, communicate to the public, translate, and distribute such communications worldwide in any form, and by any media or technology now known or later developed. Such licenses shall be royalty free, except as expressly agreed by Reader?sDigest and set out in the Website or in the Reader's Digest Magazine. For example, Reader's Digest may from time to time offer in the Reader's Digest Magazine to pay the reader a set fee for jokes submitted by that reader which are published in the Reader's Digest Magazine.

4. Subscribing to Reader's Digest

4.1 Reader's Digest makes available to users on the Website certain subscription services (for example, an annual subscription to the Reader's Digest Magazine).

4.2 When you subscribe to any subscription service offered on the Website, you will be obliged to click on an icon indicating that you have read, understood and accepted these Terms of Use and the Reader's Digest Subscription Terms and any other terms and conditions that may apply.

4.3 You will not be allowed to subscribe unless you indicate your acceptance to these Terms of Use, the Reader's Digest Subscription Terms and any other term and conditions that may apply.

5. Message Boards & Forums

5.1 You expressly acknowledge and agree that all bulletin/message boards and forums on the Website provide a means of public, not private, communication.

5.2 Neither Reader's Digest, its affiliates, its associated companies, its related bodies corporate, its officers, its directors, its shareholders, its employees, its consultants nor its agents accept any responsibility or liability for any information posted or submitted by you (or any other users of the Website) to any bulletin/message boards or forums on the Website, nor for any use or misuse which you or any other users of the Website make of information or material which you (or any other users of the Website) submit to bulletin/message boards or the discussion forum.

5.3 The submission of any communications to Reader's Digest in no way creates any obligation or duty on the part of Reader's Digest to post or use such materials or, if we do so, to give you credit.

6.Information not to be treated as advice

6.1 The information contained in the Website (the "Information") is derived from sources that Reader's Digest considers to be reliable but Reader's Digest does not warrant the accuracy, correctness or completeness of any information furnished. Reader's Digest makes no representations or warranty papers or implied as to the results to be attained by any persons from the use of the information or services found or comprised in the Website. Reader's Digest also make no express or implicit warranties of satisfactory quality, merchantability, or fitness for a particular purpose or use with regard to such information or services.

6.2 The Information provided on the Website (including but not limited to health, legal, financial or business information) is not intended to be advice. Your particular circumstances will affect the applicability and relevance of this information. Accordingly, you should seek the appropriate professional advice before relying or acting upon the Information.

6.3 Health Information: Always seek advice of your physician or other qualified health provider with any questions you may have regarding any medical condition.

7. Links & Advertising

7.1 The Website may contain links to third party websites. Those websites are not under the control of Reader's Digest, and Reader's Digest is not responsible for the content or the links contained in those websites. Neither Reader's Digest, its affiliates, its associated companies, its related bodies corporate, its officers, its directors, its shareholders, its employees, its consultants nor its agents recommend or endorse the content of any third party websites which may be linked to or from the Website, or products or services of any third party organisations mentioned or described on the Website or linked to or from the Website. You acknowledge that you enter any third party websites at your own risk.

7.2 The Website may contain advertisements for third parties' goods and/or services. The third party advertisers are responsible for the accuracy of all representations made in those advertisements. Neither Reader's Digest, its affiliates, its associated companies, its related bodies corporate, its officers, its directors, its shareholders, its employees, its consultants nor its agents recommend or endorse the goods or services that may be advertised on the Website, nor do they offer the goods or services for sale or make any other representation whatsoever about them. If you choose to order a product or service advertised by a third party on the Website, you do so at your own risk.

7.3 Reader's Digest is concerned about the integrity of the Website when it is assessed in a manner solely determined by third parties or viewed in a setting solely created by third parties. Specifically, Reader's Digest is concerned with activities such as linking to an internal or subsidiary page of the Website that is located one or several levels down from the home page of the Website ("Deep Linking") and the incorporation of any part of the Website as part of your own website ("Framing"). Deep Linking to or Framing any part of the Website or any similar activity may not be carried out by you unless you have obtained the written permission of Reader's Digest.

8. Competitions

8.1 Reader's Digest may from time to time run competitions or other promotions on the Website. These activities will be subject to specific terms and conditions that will be made known at the relevant time.

9. Disclaimer of Warranties & Limitation of Liability

9.1 Subject only to paragraph 9.2 below:

(a) This Website is provided by Reader's Digest on an "as is" basis without any express or implied warranty of any kind;
(b) The Internet exists across open public networks that are neither secure nor private. Accordingly, you acknowledge and accept the risk that any communication to or from the Website may be intercepted, used or modified by third parties.
(c) Reader's Digest does not warrant that access to or use of this Website will be timely, uninterrupted or error free or that the Website or any material on or accessible through the Website is free from errors or viruses, worms, trojan horses, time bomb, cancelbot or other harmful components;
(d) Reader's Digest does not warrant anything about the reliability, accuracy, completeness, timeliness, suitability, quality, physical state or for a particular purpose of any material on or accessible through the Website;
(e) Reader's Digest may change any of the material on the Website at any time without notice;
(f) Reader's Digest makes no commitment to update any material on the Website;
(g) You are responsible for assessing the accuracy, reliability, suitability and currency of the material on or accessible through the Website;
(h) You accept all risks and responsibility for all loss, damage, costs and other consequences resulting from using the Website or the material on or accessible through the Website; and
(i) You warrant that you are 21 years of age or over, or you have obtained a parent or guardian's consent prior to using or accessing this Website.
(j) Neither Reader's Digest, its affiliates, its associated companies, its related bodies corporate, its officers, its directors, its shareholders, its employees, its consultants nor its agents shall be liable for any loss or damage including without limitation, losses or damages for loss of profits, business interruption, loss of information, indirect, special, economic, punitive or consequential losses or damages arising out of the reliance on or use of or inability to use the material or information available on or accessible through the Website, even if Reader's Digest has been advised of the likelihood of such damages.