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Terms and Conditions

Terms and Conditions

Last updated: 7 November, 2023

Please read these terms and conditions carefully before using our Service. Your use of the Service shall be governed by these terms and they contain important information.


The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.


For the purposes of these Terms and Conditions:

  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to SPCS.
  • Privacy Statement refers to the privacy policies entered into between You and the Company regarding the use of the Service.
  • Service refers to the Member Portal Website.
  • Terms and Conditions (also referred as “Terms“) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
  • Website refers to SPCS, accessible fromĀ
  • You refer to the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment And Use Of The Service

These are the Terms and Conditions governing the use of this Service and the agreement that operates between you and the Company. These Terms and Conditions set out the rights and obligations of all visitors, users and others who access the Website regarding the use of the Service. It is important that you carefully read and understand these Terms and Conditions before using the Service.

Your access to and use of the Service is expressly conditioned on your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service, you acknowledge that you have read, understood and agreed to be bound by these Terms and Conditions. If you disagree with any part of these Terms and Conditions, then you should not access the Service. Your continued use of the Service indicates your unequivocal acceptance and adherence to these Terms and Conditions.

You represent that you are over the age of 16. The Company does not permit those under 16 to use the Service. By accessing and using the Service, you confirm that you meet the minimum age requirement and agree to comply with this restriction.

Your access to and use of the Service is also conditional upon your acceptance of and compliance with the Privacy Statement of the Company. Our Privacy Statement describes our policies and procedures on the collection, use and disclosure of your personal information when you use the application or the Website and tells you about your privacy rights and how the law protects you. Please read our Privacy Statement carefully before using our Service.

The Service

The data and information contained in and displayed by the Service is not updated in real time and updates to the information contained within the Service take place on periodic basis.

You should be aware that as a result the information provided by the Service may not be wholly up to date. In particular, you may find that there could be delays in showing up to date account balances or accruals. It is therefore recommended that you do not make any decisions or take any actions based on such information until you are sure that it is up to date.

The Company shall have no liability for any actions or decisions you may take based upon information which had not been updated at the time it was relied upon by you.

You are reminded that you should keep your login credentials used for the Service safe at all times. The Company shall have no liability for any loss you may suffer as a result of lost or misused login credentials.

When you use the Service, we may send automated e-mail notifications to you and/or any third party you have nominated confirming your instructions, any application you may make or any other uses of the service. Please ensure that you keep your nominated e-mail address up to date to ensure you receive these notifications.

Links To Other Websites

The Service may contain links to third-party websites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit and do not share your login details for the Service with any third party website.


We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions. In the event of termination or suspension, all provisions of these Terms and Conditions that should survive termination will continue to apply, including but not limited to, the limitation of liability and disclaimer provisions.

Upon termination, your right to use the Service will cease immediately.

Limitation of Liability

The Company shall not be liable for any direct, indirect, incidental, or consequential damages arising out of the use or inability to use the Service, including but not limited to loss of profits, loss of data, or any other economic loss.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable to you for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages.


The Service is provided to you “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the company’s provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Governing Law

The laws of the Country of Singapore, excluding its conflicts of law rules, shall govern this Terms and your use of the Service. Your use of the application may also be subject to other local, state, national, or international laws.


The courts of Singapore shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms and Conditions.

Disputes Resolution

If You have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting the Company.


If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.


Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party’s ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to you on our Service.

You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, you can contact us:

  • By email: