Your Swish is our command.
Whether you're looking to onboard yourself, your team, help with the Swish app or just to say hello, we'd love to hear from you. Please provide us with the information and we'll get back to you in a Swish.
Whether you're looking to onboard yourself, your team, help with the Swish app or just to say hello, we'd love to hear from you. Please provide us with the information and we'll get back to you in a Swish.
These terms define the relationship between you and SPECTRUM. Please read all of the following terms and conditions of service ("TOS") carefully before using this website. By continuing to access, link to, or use our site and the information contained hereon, including but not limited to text, content, photographs, video, audio and graphics ("our site"), or any service on our site, you confirm that you accept the TOS and that you agree to comply with them. If you do not agree to the terms, you must not access or otherwise use any of our Services. When we refer to "SPECTRUM", "we", "us" "our", we refer to Spore SixtyFive Pte Ltd and our group of companies.
The TOS applies to this site and, and other sites, communications and other services that state that they are offered under this agreement ("Services"), including the offsite collection of data for those Services, such as our ads.
You acknowledge and agree that to access certain Services, you may be required to register as a member.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of this TOS.
If you know or suspect that anyone other than you knows your account details, you must promptly notify us or close your account, failing which you shall be held liable for any misuse arising out of or in connection with your account.
As a member, you acknowledge that certain features on our site are used by a community of members, and you hereby agree and undertake to:
Treat all users with respect and civility;
Not to harvest or otherwise collect information about users, including their contact details;
not to annoy, pester, solicit, harass, threaten, offend, insult, abuse, defame, or injure any other users, or commit any unlawful or tortious acts against other users;
not to spam, mail bomb, send viruses, spyware, malware, worms or other damaging material to other users, or act in any manner that adversely affects the use of the Services by other users
We may, in our sole and absolute discretion and without notice to:
(a) restrict, suspend, or terminate your access to all or any part of the Services; and/or
(b) terminate, deactivate or suspend your account, delete your Account and all related information and files in your Account
if you are in breach of the TOS or if we reasonably believe that you have been using the Account for unlawful and/or undesirable activities.
You agree not to hold SPECTRUM liable or responsible for any loss or damage incurred by you arising out of or in connection with the suspension and/or termination of your account.
We may change, suspend or end any Service, or change and modify prices (if applicable) prospectively in our discretion. To the extent allowed under law, these changes may be effective upon notice provided to you. We may also impose restrictions on certain features or restriction your access to parts or the entire Services or Site without notice or liability.
We are the owner or the licensee of all intellectual property rights in our site including but not limited to text, content, photographs, video, audio, graphics, user interface design or logo, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. Our site is also protected as a collective work or compilation under SINGAPORE copyright and other laws and treaties. All individual articles, columns and other elements making up our site are also copyrighted works. You agree to abide by all applicable copyright and other laws, as well as any additional copyright notices or restrictions contained in our site.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged (except where the content is user-generated).
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy, download, share or repost any part of our site in breach of this TOS, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Using the Services does not give you any ownership in our Services or the content or information made available through our Services.
You may not use our site for any illegal purpose, for the facilitation of the violation of any law or regulation, or in any manner inconsistent with the TOS. You agree to use our site solely for your own non-commercial use and benefit, and not for resale or other transfer or disposition to, or use by or for the benefit of, any other person or entity. You agree not to use, transfer, distribute, or dispose of any information contained in our site in any manner that could compete with the business of SPECTRUM or any of its suppliers.
You may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to, create derivative works from, transmit, or in any way exploit any part of our site, except that you may download material from our site and/or make one print copy for your own personal, non-commercial use, provided that you retain all copyright and other proprietary notices. You may not recirculate, redistribute or publish the analysis and presentation included in our site without SPECTRUM's prior written consent. You may not offer any part of our site for sale or distribute it over any other medium including but not limited to over-the-air television or radio broadcast, a computer network or hyperlink framing on the internet without the prior written consent of SPECTRUM. Our site and the information contained therein may not be used to construct a database of any kind. Nor may our site be stored (in its entirety or in any part) in databases for access by you or any third party or to distribute any database services containing all or part of our site. You may not use our site in any way to improve the quality of any data sold or contributed by you to any third party.
You may not use any of the trademarks, trade names, service marks, copyrights, or logos of SPECTRUM in any manner which creates the impression that such items belong to or are associated with you or are used with SPECTRUM's consent, and you acknowledge that you have no ownership rights in and to any of such items.
You may not input, distribute, upload, post, email, transmit or otherwise make available any content through our site that: (i) is promotional in nature, including solicitations for funds or business, without the prior written authorisation of SPECTRUM, or constitutes junk mail, spam, chain letters, pyramid schemes or the like; (ii) is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable; (iii) you do not have the right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); (iv)infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party; (v) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware, or telecommunications equipment; (vi) is harmful to minors; or (vii) constitutes the personally identifiable information of any other person that such person has not authorized you to disclose.
You may neither interfere with nor attempt to interfere with nor otherwise disrupt the proper working of our site, any activities conducted on or through our site or any servers or networks connected to our site. You may neither obtain nor attempt to obtain through any means any materials or information on our site that have not been intentionally made publicly available either by public display on our site or through accessibility by a visible link on our site. You shall not violate the security of our site or attempt to gain unauthorized access to our site, data, materials, information, computer systems or networks connected to any server associated with our site, through hacking, password timing or any other means. You may neither take nor attempt any action that, in the sole discretion of SPECTRUM, imposes or may impose an unreasonable or disproportionately large load or burden on our site or the infrastructure of our site. You shall not use or attempt to use any "scraper," "robot," "bot," "spider," "data mining," "computer code," or any other automate device, program, tool, algorithm, process or methodology to access, acquire, copy, or monitor any portion of our site, any data or content found on or accessed through our site, or any other website information without the prior express written consent of SPECTRUM. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any other content.
You acquire absolutely no rights or licenses in or to our site and materials contained within our site other than the limited right to utilize our site in accordance with the TOS. Should you choose to download content from our site, you must do so in accordance with the TOS. Such download is licensed to you by SPECTRUM ONLY for your own personal, non-commercial use in accordance with the TOS.
When you upload or post content to our site, you grant us the following rights to use that content: (a) a perpetual, nonexclusive, irrevocable, fully paid, royalty-free, sublicensable and transferable (in whole or in part) worldwide right and license in any and all media, now known or later developed, to use, publish, reproduce, display, modify, transmit digitally, create derivative works based upon, distribute, copy, and otherwise exploit , such content for any purpose whatsoever (including, without limitation, advertising, commercial, promotional and publicity purposes) in SPECTRUM's discretion without additional notice, attribution or consideration to you or to any other person or entity (b) any other user to access, store, or reproduce such material for that user's personal use. You grant SPECTRUM the right to use the name that you submit in connection with such content.
You represent and warrant that you own or otherwise control all of the rights to the material that you submit; that the material you submit is truthful and accurate; that use of the material you supply does not violate this TOS. SPECTRUM may in our sole and absolute discretion, screen, delete and/or remove any user content made available on our site, including where SPH Media receives a complaint from another user or a notice of intellectual property infringement or other direction for removal, or where in SPH Media's sole and absolute opinion such content is in breach of the TOS, or is illegal or otherwise objectionable, or for any other reason as SPECTRUM may see fit.
The website may include information and materials uploaded by other users of this site. This information and the materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.
To the extent under applicable law, SPECTRUM : (a) disclaims all implied warranties and representations (eg. warranties of merchantability, fitness for a particular purpose, accuracy of data, and non-infringement); (B) does not guarantee that the Services will function without interruption or errors; and (C) provide the Services (including content and information) on an "as is" and "as available" basis.
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must, at all times, obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Any financial or investment information in our site are for use in Singapore only and are intended for your general information only. You should not rely upon such information in making any particular investment or other decision which should only be made after consulting with a fully qualified financial adviser. Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy set out above.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
We reserve the right to withdraw linking permission without notice.
If you wish to link to or make any use of content on our site other than that set out above, please contact [email protected].
We have no obligation to monitor or enforce any intellectual property rights that may be associated with content you provide us, but we have the right to enforce any rights which we may have through any means we see fit. We do not control or endorse all of the content, messages or information found on our site or external sites that may be linked to or from our site and, therefore, we specifically disclaim any responsibility with regard thereto.
We have no obligation to accept, display, review, monitor, or maintain any content submitted by users, user forum posts, commentary, ratings or compliments ("Comments"). We have the right to delete content or Comments from our Sites without notice for any reason at any time. We may move, re-format, edit, alter, distort, remove or refuse to exploit content or Comments without notice to you and without liability.
We do not endorse or recommend, is not an agent, reseller or distributor of, and has no control over the products or services offered by third parties, including other users, which are promoted, advertised or offered on our site or linked from our site ("Third Party Products"). We disclaim any and all liability or responsibility arising in relation to or in connection with any Third Party Products whether available or advertised via our site or any websites linked from our site.
You agree that all statements, offers, information, opinions, materials, and Third Party Products, from other users and from advertisers and other third parties on our site should be used, accepted and relied upon only with care and discretion and at your own risk, and SPECTRUM shall not be responsible for any loss, damage or liability incurred by you arising from such use or reliance.
You agree that your use of our site is at your sole risk and acknowledge that our site and anything contained within the website, including, but not limited to, content, services, goods or advertisements are provided "as is" and "as available" and that to the fullest extent permissible pursuant to applicable law, SPECTRUM makes no warranty of any kind, express or implied, as to our site, including, but not limited to, non-infringement, non-infringement of third party rights, title, any implied warranties or merchantability or fitness for a particular purpose or use. SPECTRUM does not warrant that our site is compatible with your equipment or that our site, or e-mail sent by SPECTRUM or its representative, is free of errors or viruses, worms or "Trojan horses," or any other harmful, invasive, or corrupted files, and is not liable for any damage you may suffer as a result of such destructive features.
In no event shall SPECTRUM be liable to you for any damages, losses, expenses, liabilities under any causes of action (whether in contract or tort including, but not limited to negligence, or otherwise) caused through the use of, or the inability to use or access our site or the Services or any other website. In the event that SPECTRUM is liable for damages despite the foregoing provision, you agree that SPECTRUM's aggregate liability to you for any and all causes of action shall not exceed in aggregate of S$50.00.
Under no circumstances, including but not limited to negligence, shall SPECTRUM, its suppliers, agents, directors, officers, employees, representatives, successors, or assigns be liable to you for direct, indirect, incidental, consequential, special, punitive, or exemplary damages even if SPECTRUM has been advised specifically of the possibility of such damages, arising from use of or inability to use our site, the Services or any links or items on the website or any provision of the TOS, such as, but not limited to, loss of revenue or anticipated profits or lost business.
You agree, at your own expense, to indemnify, defend and hold harmless SPECTRUM, its suppliers, agents, directors, officers, employees, representatives, successors, and assigns from and against any and all claims, damages, liabilities, costs, and expenses, including reasonable legal costs and expenses, including any other professional fees, arising out of or in connection with our site, directly or indirectly, from your access of and/or use of our site, including without limitation: (i) a violation of the TOS by you or anyone using your computer (or account, where applicable); (iv) any claims of infringement of any intellectual property right of any third party, or any right of privacy or publicity, is libellous or defamatory, or otherwise results in injury or damage to any third party; (v) any deletions, additions, insertions or alterations to, or any unauthorized use of, our site by you or someone using your computer (or account, where applicable); (vi) any misrepresentation or breach of representation or warranty made by you contained herein; or (vii) any breach of any covenant or agreement to be performed by you hereunder.
You may not assign the TOS or any of its rights or obligations to any party.
We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
The TOS shall be governed and construed in accordance with the laws of Singapore. The courts of Singapore shall have exclusive jurisdiction to hear and determine any suit, action or proceeding, and to settle any disputes which may arise out of or in connection with our site or from a dispute as to the interpretation or breach of the TOS, and for such purposes, you agree to submit to the jurisdiction of the courts of Singapore. Each party hereby waives any objection which it might at any time have to the courts of Singapore being nominated as the forum to hear and determine any proceedings and to settle any disputes.
Last updated 1 December 2021
We may collect and process certain types of personal information. Personal information includes, among other things, personal information that you voluntarily provide on this web site, which may include your: name; address; e-mail addresses; telephone number(s); date of birth; gender; nationality; passport number; payment information; credit card numbers; billing information; academic or employment records, and any other types of information that you choose to provide to us or that we may collect about you through your transactions with us.
We may collect, use and/or process your personal information for the following purposes:
We may disclose your personal information:
Accuracy and Security of Personal Information
We strive to protect the security of your information and are constantly reviewing and enhancing our information security measures. We take reasonable effort to implement appropriate administrative, technical, personnel, and physical measures (a) to safeguard personal information against loss, theft, unauthorized use, copying, disclosure, or modification; and (b) to ensure the integrity of the personal information. You should be aware, however, that no method of transmission over the Internet or method of electronic storage is 100% secure, in particular the transmission of data over open or public networks. Therefore, we recommend against transmitting any confidential or sensitive data over open or public networks.
You may request to access and/or correct the personal information currently in our possession pr withdraw your consent for the collection, use and disclosure of your personal information in our possession or under our control at any time by contacting us at [email protected].
For a request to access personal information, we will process your request and provide a copy of the requested information within a reasonable amount of time from when the request is made.
For a request to correct personal information, we will process your request as soon as practicable after the request has been made. Such correction may involve necessary verification, which may include sending the corrected personal information to other organisations to which the personal information was disclosed by SPECTRUM within a year before the date the correction was made (unless that other organisation does not need the corrected personal information for any legal or business purpose), or if you so consent, only to specific organisations to which the personal information was disclosed by us within a year before the date the correction was made.
We may also charge a reasonable fee for the handling and processing of your requests to access and/or correct your personal information. You will be notified in advance of such costs.
For a request to withdraw your consent to the processing of your personal information, we will process your request within a reasonable amount of time from when the request is made. Our ability to provide services to you after such withdrawal may be affected. We will notify you of any impact before processing your request.
Any personal information in our possession or under control will be destroyed and/or anonymised when:
In addition to personal information that you provide to us, we may collect certain information about you that is not generally or uniformly considered personal information and which we consider to be non-personal information. This information is collected through cookies, web server logs, web beacons, or other similar technologies when you browse our websites or use any applications created by us or on our behalf.
This information may include the IP address of your computer, browser type, language, operating system, your mobile device, geo-location data, the state or country from which you accessed the web site, the web pages visited, the date and the time of a visit, the number of links you click within the web site, the functions you use on this web site, the databases you view and the searches you request, the data you save on or download from this Website but does not identify you individually.
Most browsers are set to accept cookies by default. If you prefer, you can usually set your browser to disable cookies, or to alert you when cookies are being sent. Likewise, most mobile devices allow you to disable the ability for geo-location information to be collected from your mobile device. However, if you disable cookies or refuse to accept a request to place a cookie, it is possible that some parts of the web site, will not function properly.
We may provide links to third-party websites, including social networking websites. Since we do not control third-party sites and are not responsible for any information you may provide while on such sites, we encourage you to read the privacy policies on those websites before providing any of your information on such sites.
If you have registered your Singapore telephone number with the relevant Singapore DNC registers, we will not send you promotional and marketing messages via SMS, fax, calls and other means (as applicable). However, if you have previously consented to our sending you such messages to your Singapore telephone number(s), we will continue to do so until you withdraw such consent, regardless of your DNC nominations.
Also, if you currently have an existing, ongoing relationship with us, depending on the nature of that relationship, we may continue to send you promotional or marketing messages via SMS, fax, calls or any means, about products and services which are related to that ongoing relationship notwithstanding your registration with the DNC Registry, unless you opt-out of receiving such messages.
Last updated 1 December 2021