By using this Website, you agree to these Terms of Use and Privacy Policy.

If you do not agree to these Terms of Use and Privacy Policy, please immediately terminate the usage of the Website.




Use of content

Unless otherwise indicated in the relevant content, and on the condition that you comply with all of your obligations under these Terms of Use, you are authorized to view, copy, print, and distribute (but not modify) the content on this Website; provided that

  • such use is for informational, non-commercial purposes only, and

  • any copy of the content that you make must include the copyright notice as well as any other attribution associated with the content.



You are not authorized to copy or use any software, proprietary processes, or technology embodied or described in this Website.


Intellectual Property Rights

Unless otherwise indicated, the content on this Website is provided entirely by Monk & Sparrow.  All external information will be clearly marked as such.

This Website and its contents are protected by copyright, trademark, and other laws of Singapore and/or foreign countries. We reserve all rights not expressly granted in these Terms of Use.

“Monk & Sparrow”, the Monk & Sparrow logo, variants of the trademarks, and certain product names that appear on this Website (collectively, the “Monk & Sparrow Marks”), are trademarks or registered trademarks of Monk & Sparrow. Except as expressly provided in these Terms of Use or as expressly authorized in writing by the relevant trademark owner, you shall not use any Monk & Sparrow Marks either alone or in combination with other words or design elements, including but not limited to in any press release, advertisement, or other promotional or marketing material or media, whether in written, oral, electronic, visual or any other form.

References to other parties’ trademarks on this Website are for identification purposes only and do not indicate that such parties have approved this Website or any of its contents. These Terms of Use do not grant you any right to use the trademarks of other parties.


Disclaimers and Limitations of Liability

  1. Website

This website, including any content or other part thereof, contains general information only. We are not, by means of this website, rendering professional advice or services. Before making any decision or taking any action that may affect your finances or business, you should consult a qualified professional advisor.

This website is provided as is, and we make no express or implied representations or warranties regarding it, including, without limiting it to: security, erroneous content, presence of malicious code, or any other criteria or performance or quality. We expressly disclaim all implied warranties, including, without limitation, non-infringement, compatibility, security and accuracy.

Your use of this website is at your own risk and you assume full responsibility and risk resulting from your usage, including, without limitation, loss of service or data. We will not be responsible for any direct, indirect, special, incidental, consequential, or punitive damages or any other damages whatsoever, relating to or arising out of the use of this website. This remains valid even if we knew, or should have known, of the possibility of such damages


   2. External content

Certain links on this website may lead to websites, resources or tools maintained by third parties over whom we have no control. We make no express or implied representations or warranties whatsoever regarding such websites, resources and tools, and links to those should not be considered as an endorsement of them or their content by us.



You will comply with all applicable laws in accessing and using this Website.

If any portion of these Terms of Use is invalid or unenforceable in any jurisdiction, then (i) in that jurisdiction it shall be re-construed to the maximum effect permitted by law in order to effect its intent as nearly as possible, and the remainder of these Terms of Use shall remain in full force and effect, and (ii) in every other jurisdiction, all of these Terms of Use shall remain in full force and effect.



We may revise these Terms of Use at any time in our sole discretion by posting such revised Terms of Use at the Terms of Use link (i.e., this webpage that you are currently viewing). Such revisions shall be effective upon posting, unless explicitly stated by us. It is your responsibility to be aware of any such revised Terms of Use by checking this webpage. Your continued use of this Website following changes to these Terms of Use constitutes your agreement to the revised Terms of Use.