(i) Your access to or use of this app and/or online facilities;

(ii) Any other party’s access to or use of this app and/or online facilities using your account and/or password; or

(iii) Your breach of any of these Terms of Use;

(iv) Any other party’s breach of any of these Terms of Use where such party was able to access or use this website/app and/or online facilities using your account and/or password.

We also assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

1. Conditions of use

   1. By using the CODS app, you agree to the following conditions of use. Please read these conditions carefully before using this CODS website.

   2. If you do not agree to these Terms of Use, you must not access or use this website.

   3. We may make changes and amend these Terms of Use from time to time, without providing notice to you and without giving any reason for doing so, by posting an updated version of the Terms of Use on the CODS website. You should regularly check these Terms of Use for any amendments. If these Terms of Use are amended, you must comply with the updated Terms of Uses. If you do not agree to the updated Terms of Use, you must immediately cease using the website/app.

2. Evidence of Transactions
   CODS’s own protected and secured records of the transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes. Your use of your account and/or password to access or use this app/website and/or online facilities including access to your policy records and our online services will be recognized as your electronic signature and will be legally binding. To the extent permitted by law, you accept that CODS’s electronic records will be admissible as original documents in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.

3. Indemnity
   You hereby agree to fully indemnify, defend and hold harmless CODS app from and against any and all damages, losses, liabilities, costs, and expenses (including full legal costs on a solicitor-client basis) suffered by CODS arising from or in connection with:

4. Third party links

   1. If the website/app provides links to other websites which are not controlled by us, we are not responsible for their use, effect or content.

   2. We make no representations or warranties as to, and accept no responsibility for, the accuracy of information on those sites, nor do we endorse any information, opinion, goods or services referred to on them. You acknowledge and agree that you access such websites at your own risk.

5. Limitation of liability

   1. You agree that your access to and use of the website/app is at your own risk.

   2. To the fullest extent permitted by law, we exclude from these Terms of Use all representations, guarantees, conditions, warranties, rights remedies, liabilities and other terms that may be implied by statute, general law or custom, except any guarantee or right conferred under any legislation, the exclusion of which would contravene legislation or cause part or all of this clause to be void.

   3. To the fullest extent permitted by law, we exclude all responsibility and liability arising from or in connection with your use of the website, including, without limitation:

      1. Any and all actual or anticipated loss of profits, revenue, goodwill, savings, data, business opportunity, or expectation, and any and all indirect, special, consequential, punitive or exemplary Losses; and

      2. Any other Losses, even if we or our authorized representative has been advised of the possibility of such damages.

6. Ownership of information
   Any information, other than personal data or information, you transmit to us via this CODS app/website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will become our property. Such information, other than personal data or information, may be used by us for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. We may use any ideas, concepts, know-how, or techniques contained in any communication you send to us via this CODS app/website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You waive all applicable rights you may have in any information (other than personal data) you transmit to us via this app/website or otherwise, for the purposes of this section of the Terms of Use.

7. Intellectual property
   CODS app/website is owned and maintained by COD Shield. All copyright and other intellectual property rights in the CODS app/website are proprietary to us and our licensors. Other than as expressly set out in these Terms of Use and except as permitted by applicable law, you must not (and must not attempt to):

   1. Use, copy, reproduce, republish, modify, stored in a retrieval system, create derivative works or use in any other way for public or commercial purposes any part of the website;

   2. Distribute, translate, modify or tamper with, any part of the website;

   3. Create derivative works of or from any part of the website;

   4. Sell, rent, lease, sub-license, assign, exchange or otherwise transfer your rights under these Terms of Use; or

   5. Permit or assist any person to engage in any act described in paragraphs 7.1 to 7.4 above.

8. Performance of the CODS App/website

   1. We will use reasonable endeavors to generally make the CODS app/website available during our normal business hours. However, the availability of the website depends on various third-party suppliers, and accordingly, we do not warrant or guarantee:

      1. Any network connection difficulties occur;

      2. That your use of the CODS app/website will be continuous, uninterrupted, secure or error-free.

   2. You acknowledge that the CODS app/website may not be available for use from time to time and that you may be disconnected from your use of the website at any time for any reason, including if:

      1. Any network connection difficulties occur;

      2. The systems providing those services are unavailable for any reason (including so that maintenance can be performed);

      3. You breach any of these Terms of Use; or

      4. We decide to terminate, suspend or block your access to the CODS app/website for any reason.

   3. We make no guarantee as to the reliability or other performance of the CODS app/website. The performance of the website depends on various factors, including the functions, capacity, and configuration of your Device, the speed of your internet connection, and the number of users accessing the systems which support the website.

   4. The information available through the website is subject to updates from time to time and, while we aim to ensure that it is up-to-date, there may be delays, errors or omissions that could affect its currency or accuracy. Accordingly, we cannot and do not warrant or guarantee that the information you obtain through the website is or will be current, complete or accurate at all times. You acknowledge and agree that you will make your own inquiries to determine whether the information you obtain through the website is current, complete and accurate before using it. We are not responsible for any Loss you suffer or incur as a result of your failure to comply with this paragraph.

9. Software licenses
   To the extent that any software is made available or provided to you on this website or through the CODS app, we grant you a non-exclusive, limited and personal license to download and use the software for your own personal, non-commercial use only. All rights including intellectual property rights in the software remain our property or the property of the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.

10. Care terms of use
    Your policy records are confidential and CODS Sheild has taken steps to safeguard this confidentiality. However, we urge you for your co-operation for the confidentiality of your policy records to be maintained. It's best to take the necessary precautionary measures to ensure that no unauthorized access is given to your policy records, your password, and access to this website/app and/or online facilities. You must not allow anyone other than yourself access to these records.
    
    You must notify us immediately by email to [email protected] if you suspect that your policy records have been accessed by an unauthorized person.
    You shall assume full responsibility and risk each time you access the website/app, and view or print any portion of the information available to you on this app or and each time you use any of our online services.
    Any password or PIN which you are provided by CODS to access your policy records and our online services will be recognized as your electronic signature. To the extent permitted by law, you accept that electronic records will be admissible as original documents in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.

11. Security reminder
    While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented adequate safety measures to reduce these risks. In order to safeguard and protect your privacy, please ensure you have installed up to date virus protection.

12. Third party rights
    A person who has not agreed to be bound by the Terms of Use shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the terms herein.

13. No waiver
    We do not waive a right, power or remedy in connection with these Terms of Use if we fail to exercise or delay in exercising the right, power or remedy.

14. Severability
    The invalidity, unlawfulness or unenforceability of any provision in these Terms of Use in any respect under applicable law shall not affect the validity, legality or enforceability of the remaining provisions hereof.

15. Governing law and jurisdiction
    These Terms of Use will be governed by the laws of Singapore and the parties agree to submit to the exclusive jurisdiction of the courts of Singapore.