Terms of Service

These Terms and Conditions of Service (“Terms of Service“) apply whenever you are accessing the marketanalyst RMApp or any of its related services (The “Platform”) for Standard Chartered Bank (The “Bank”). These Terms of Service should be read alongside, and are in addition to, our General Terms and Conditions (“Terms of Use“) and our Privacy Policy.

Please read these Terms of Service carefully and print or save a copy for your future reference. By using our Platform, you agree that you have read, understood and agreed to these Terms of Service, the Privacy Policy and Terms (each as amended from time to time).

If you do not agree to these Terms of Service, you must not use the “Platform”.

Agrud Technologies Pte Ltd. (referred to in these Terms of Service as “we”, or “us”) is a company registered in Singapore, whose address is at 410 North Bridge Road, #4-10, Singapore 188726.

The marketanalyst RMApp (The “Platform”) enables our users to access financial market information, news, the bank's own research and recommendations along with portfolio analysis tools & analytics all through one integrated platform.

Should you have any questions about these Terms of Service or wish to contact us for any reason whatsoever, please use the contact details set out below:

Post: 410 North Bridge Road, #4-10, Singapore 188726 E-mail: care@agrud.com

By using the Platform, you confirm that you are:

Over 18 years old; and residing in a jurisdiction where it is not prohibited by law to offer or use our Services (It is your responsibility to ensure that you are legally allowed to use our Services where you are located).

If any of the above is incorrect, you cannot use the Platform and we reserve the right, in our sole discretion, to refuse access.

If you are using the Platform on behalf of a company, corporation, government body or any other type of non-natural person, you confirm that you are authorized to transact business and enter into binding agreements on its behalf.

All Service descriptions on the Platform are provided in good faith but are intended as guidance only and actual Services may vary.

You acknowledge that, as between you and us, we own all present and future copyright, registered and unregistered trademarks, design rights, unregistered designs, database rights and all other present and future intellectual property rights and rights in the nature of intellectual property rights existing in or in relation to the Services (“IPR”).

If any IPR vests in you, whether by operation of law or otherwise, and as far as the Service allows you to create or share content on the Platform or through the Service, you hereby assign to us all right, title and interest (whether legal or beneficial) in such IPR throughout the world absolutely to the fullest extent possible, including any and all renewals and extensions of such IPR. To the fullest extent possible under law and constrained by agreements signed with the Bank, you unconditionally and irrevocably waive any and all moral rights you may have either now or in the future existing in or in relation to the Platform. You also agree to execute and do all such deeds, documents, acts and things as we may reasonably require in order to assign any IPR to us, to carry out the intended purpose of these Terms of Service or to establish, perfect, preserve or enforce our rights under these Terms of Service.

The content shared with you through the Service may include content in which third parties have intellectual property rights, including without limitation, copyrights, trademarks, and service marks. You agree not to use the Service to violate the intellectual property rights of third parties, and we specifically disclaim any liability for any violation on your part of any intellectual property right of any third party.

The names “Agrud”, “AgrudTech” and “marketanalyst” are trademarks of Agrud Technologies Pte Ltd., and your use of the Service does not grant to you any right to use these terms or any other trademark or trade dress of Agrud Technologies Pte Ltd. without its express written permission.

We take copyright infringement very seriously. If you believe that any content on our website or content shared through the Platform infringes on your or another party’s intellectual property rights, please contact us by sending an email to care@agrud.com. Please include in your email: (i) a description of the content you believe to be infringing; (ii) where we can find the content; (iii) the identity of the party you believe owns the copyright; (iv) your contact Service delivery.

The delivery of our Services depends on services of third parties including international and local telecom companies, and we make no warranty or representation as to the operation of these third parties and bear no liability for any failure or omission on the part of these or any third parties.

We are not liable for any failure of the Service, including without limitation: disruptions, untimely delivery, scheduled or unscheduled maintenance, or any other reason due to action or inaction by us or any third party which may impair your access to the Platform or the delivery of the Service temporarily or permanently.

We provide an aggregation service, and we do not pre-screen any of the news delivered on your feed. We are not responsible for the content of any news delivered to you or any party through your newsfeed, including without limitation, responsibility for the timeliness or accuracy of information, or the delivery of content which you or any party may find offensive.

Our platform enables the seamless creation of user accounts in coordination with the Bank.

You must provide true, accurate, up-to-date and complete information in all fields indicated as mandatory when creating and updating an account.

The user receives the log in details in his/her own Electronic mails.

You are solely responsible for all activities that occur on or under the account. We are not responsible for any unauthorized access to our account.

All Services shall be delivered electronically through our Platform.

Save as expressly set out in these Terms of Service, we will not be liable for any special, indirect, incidental, consequential, or economic loss or loss of profits or revenues howsoever caused arising in connection with any order placed by you.

Notwithstanding the above, our total liability (whether in contract, tort, negligence or on any other basis) to you, for any loss or damage shall be limited to the sums paid or payable for the Services.

We will not be liable to you where we breach these Terms of Service due to any cause that is beyond our reasonable control, including acts of God, explosions, floods, tempests, fires or accidents; wars or threats of war, sabotage, insurrection, civil disturbance or requisition; acts, restrictions, regulations, prohibitions or measures of any kind on the part of any governmental authority; import or export regulations or embargoes; strikes, lock-outs or other industrial actions, or trade disputes; difficulties in obtaining materials, labour, fuel, parts or machinery; power failure or breakdown in machinery.

Nothing in these Terms shall limit our liability for personal injury, death or fraud.

This clause does not affect your statutory rights as a consumer.

We may update or amend these Terms of Service from time to time to comply with the law or to meet our changing business requirements without notice to you. Any updates or amendments will be posted on the Platform.

These Terms of Service supersede any other terms and conditions previously published by us and any other representations or statements made by us to you, whether oral, written or otherwise.

You may not assign or subcontract any of your rights or obligations under these Terms of Service to any third party unless we agree in writing.

We may assign, transfer or subcontract any of our rights or obligations under these Terms of Service to any third party at our discretion.

No relaxation or delay by us in exercising any right or remedy under these Terms of Service shall operate as a waiver of that right or remedy or shall affect our ability to subsequently exercise that right or remedy. Any waiver must be agreed upon by us in writing.

If any of these Terms of Service are found to be illegal, invalid or unenforceable by any court of competent jurisdiction, the rest of these Terms of Service shall remain in full force and effect.

Only you and we shall be entitled to enforce these Terms of Service. No third party shall be entitled to enforce any of these Terms of Service.

These Terms of Service are governed by Singapore. In the event of any matter or dispute arising out of or in connection with these Terms of Service, you and we shall submit to the exclusive jurisdiction of the Singapore courts.