Terms & Conditions

By accessing, viewing or using WebbyWord.com, or any website owned and operated by Webbyword Pty Ltd. or its subsidiaries ("WebbyWord.com Sites") in any manner, you expressly agree to all terms and conditions contained or referenced in these Terms of Use and all applicable laws or regulations governing this website ("Site"). These Terms of Use apply only to your use of WebbyWord.com Sites and do not change or alter any other agreement or contract that may exist between you and any of the companies within the WebbyWord.com ("WebbyWord.com").

WebbyWord.com reserves the right, in its sole discretion, to modify or change these Terms of Use at any time without prior notice to you. Your continued use of WebbyWord.com Sites following the posting of any changes to the Terms of Use constitutes acceptance of those changes. The terms & conditions stated herein, do not change or amend your individual policies.

If at any time you choose not to accept these Terms of Use, please do not use this website or send E-mail to any WebbyWord.com Sites E-mail address. The WebbyWord.com E-mail system is a private E-mail system intended only for purposes authorized by WebbyWord.com. You are not authorized to send numerous (or any) unsolicited commercial E-mail messages to any E-mail addresses at @WebbyWord.com.

WebbyWord.com reserves the right to take actions as may be necessary to prevent misuse of its E-mail system by unauthorized parties. Please remember that E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before E-mailing any personal or confidential information.

Scope of Use

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate.

You may not create Webbword.com sub domains or websites sites containing or linking to following subject matters

• Illegal activities
• Illegal drugs
• Prostitution
• Animal cruelty
• Trading in stolen goods
• Infringements of intellectual property.

You may not create Webbword.com for

a) Using information from Webbword.com sub domains in aggregate for institutional research
b) The generation and subsequent resale of sub domain or websites priced above fair market value.

Availability of Products or Services

Not all of the products or services described on this Site are available in all geographic areas of Singapore. You may not be eligible for all of the products or services described in this Site. Subject to applicable law, WebbyWord.com reserves the right to determine eligibility for such products or services in its sole discretion or, as permitted by law or regulation, to change the products or services mentioned at any time without notice.

The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting or other professional advice, and is not tailored to your specific circumstance.

Submissions Made to WebbyWord.com

By providing information or materials to this Site (other than personal information subject to the WebbyWord.com Privacy Statement), you grant to WebbyWord.com an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any E-mails or materials through the website that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws or regulations. WebbyWord.com shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in the WebbyWord.com Privacy Statement, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Privacy Statement

Our Privacy Statement describes our use and protection of nonpublic personal information ("customer information") and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our privacy statement.

Secure Areas; Passwords

Some portions of this site are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. WebbyWord.com is entitled to act on instructions received under your password. WebbyWord.com will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact WebbyWord.com. WebbyWord.com will not be responsible or liable for any unauthorized access to your personal information that is not the direct result of intentional conduct on the part of WebbyWord.com, or if you do not properly secure your password, or if you choose to share your password with anyone else. WebbyWord.com may block access to secure areas without prior notice if WebbyWord.com believes your password is being used by someone other than you or if any unauthorized access to your personal information has occurred, or may occur, or for other reasons.

Quotations/Coverage

At this time, on-line quotes may not be available for all states or provinces, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by WebbyWord.com, please contact a WebbyWord.com customer support. For additional information, please contact a WebbyWord.com agents or managers in charge. It is your responsibility to ask any and all questions for clarification.

Ownership of Materials & Restrictions on Use

The information on this website, along with any materials (including, for example, press releases and product descriptions) is the copyrighted work of WebbyWord.com and is protected Singapore and worldwide copyright laws, trademark laws, other federal and state laws, and treaty provisions. WebbyWord.com grants you permission to copy such materials so long as each copy: (i) is solely for informational, non-commercial use and is not modified or revised in any manner; (ii) plainly displays all copyright and other proprietary notices, in the same form and manner as on the original; and (iii) displays a statement that the materials are used solely with permission of WebbyWord.com. To seek permission for any other use, please contact WebbyWord.com.

Bulk E-mail and Other Prohibited E-mail

The WebbyWord.com computer network (which includes, but is not limited to, the technology and applications, which support the E-mail functionality WebbyWord.com provides its officers, employees, independent contractor agents, and other authorized users) is the private property of WebbyWord.com.

WebbyWord.com prohibits any bulk E-mail transmissions to be sent, or caused to be sent, over the Internet to WebbyWord.com Sites E-mail addresses unless WebbyWord.com, through one of its officers, has specifically requested or authorized the sending of such bulk E-mail. For purposes of these Terms of Use, the word "bulk" shall mean an E-mail message, or group of identical or similar E-mail messages, sent to more than 20 different WebbyWord.com Sites addresses in any 24-hour period.

WebbyWord.com also prohibits any E-mail transmissions of the following types to be sent, or caused to be sent, over the Internet to more than 5 different WebbyWord.com Sites E-mail addresses in any 24-hour period unless WebbyWord.com, through one of its officers, has authorized the sending of such E-mail: (1) commercial advertising; (2) informational announcements; (3) political or religious tracts; or (4) solicitations for funds or donations.

WebbyWord.com prohibits any E-mail transmission to be sent, or caused to be sent, over the Internet to any WebbyWord.comproducts.com E-mail addresses if the E-mail is intended to, or appears intended to, harass, embarrass, threaten, defame or impersonate any person, or if the E-mail is pornographic, offensive, indecent, discriminatory or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation or disability.

WebbyWord.com prohibits any E-mail transmission to be sent, or caused to be sent, over the Internet to any WebbyWord.comproducts.com E-mail address that makes use of a forged header or deceptive addressing, or which attempts in any manner to disguise the source of the E-mail.

WebbyWord.com prohibits the harvesting or collection of the E-mail addresses of WebbyWord.com agents and/or brokers and/or personal financial representatives from WebbyWord.com Sites for the purpose of sending bulk E-mail to WebbyWord.com Sites E-mail addresses. WebbyWord.com reserves the right to take all legal and technical steps available, including pursuing civil remedies and criminal prosecution, to prevent bulk or other prohibited E-mail from entering, utilizing or remaining within the WebbyWord.com computer network. Nothing in this policy is intended to grant any right to transmit or send E-mail to, or through, the WebbyWord.com computer network. WebbyWord.com's failure to enforce this policy in every instance in which it might have application does not amount to a waiver of WebbyWord.com's rights.

Links to Other Websites

This Site may contain links to other sites. WebbyWord.com provides links to other sites as a convenience to persons who visit the WebbyWord.com Site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with WebbyWord.com). Please be aware that WebbyWord.com is not responsible for the privacy practices of those sites, even though WebbyWord.com's name or logo may appear on those sites. We encourage you to be aware of that when you leave our Site and to read the privacy policies of each and every website that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Site. WebbyWord.com is not responsible for the contents of any linked site or any link contained in a linked site.

Links to WebbyWord.com Sites

WebbyWord.com appreciates your interest in linking your website (the "Linking Site") to WebbyWord.com's websites. In order to avoid misunderstandings regarding the use of WebbyWord.com's trademarks, trade names and other proprietary information, WebbyWord.com asks that you review and agree to the following guidelines:

• Third parties are authorized to include active links on websites they control to direct a browser to WebbyWord.com's "home page" at http://www.WebbyWord.comproducts.com. However, third parties may not include on their websites links to any other page maintained on WebbyWord.com Sites unless they have received prior written permission of an officer of WebbyWord.com or unless the Linking Site is an Internet search engine.
• Framing. Unless you have received specific written permission from WebbyWord.com, you may not (a) "frame" or otherwise impose editorial comment, commercial material or any type of identification on (or in proximity to) content displayed on the WebbyWord.com website ("WebbyWord.com Content"), (b) alter or modify WebbyWord.com Content, or (c) "cut and paste" or otherwise reproduce WebbyWord.com Content on the Linking Site.
• No Archiving. Your link must be to current WebbyWord.com sites only. In permitting linking, WebbyWord.com does not grant you the right to reproduce, modify, cache or archive the WebbyWord.com Content for any purpose.
• Link At Your Own Risk. WebbyWord.com makes no representations or warranties regarding the WebbyWord.com Sites, which are provided "as is." Linking Sites link to WebbyWord.com Sites at their own risk. WebbyWord.com is under no obligation to maintain WebbyWord.com Sites, provide or update WebbyWord.com Content or otherwise support your link to WebbyWord.com Sites.
• Termination. WebbyWord.com may revoke this license immediately if you fail to follow these guidelines. WebbyWord.com may revoke this license upon five (5) days notice without cause.

Reservation of Rights

WebbyWord.com reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in this Site, including the right to block access from a particular Internet address to the Site. Our policies regarding Privacy are incorporated into these Terms of Use by reference. WebbyWord.com does not intend to market any products or services to children and does not knowingly collect personal information from children. By using this Site, you represent that you are at least 18 years old. If you are under 18, do not use this Site.

Disclaimers

THIS WEBSITE IS PROVIDED ON AN AS IS BASIS. TO THE EXTENT PERMITTED BY LAW, WEBBYWORD.COM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, EXPRESSED OR IMPLIED WARRANTIES OF MERCHANTABILITY AND, INCLUDING, FITNESS FOR A PARTICULAR PURPOSE. WEBBYWORD.COM DOES NOT WARRANT THAT THE FUNCTIONALITY OR OPERATION OF THE WEBBYWORD.COM SITE WILL BE UNINTERRUPTED OR FREE FROM ERROR, THAT ANY DEFECTS IN THE SITE WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER(S) THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL CONDITIONS OR COMPONENTS. PRODUCT TERMS, CONDITIONS, AND EXCLUSIONS NOT DESCRIBED IN THIS SITE MAY APPLY. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

Limitation of Liability

YOUR USE OF THE THIS SITE IS AT YOUR OWN RISK. TO THE EXTENT PERMITTED BY LAW, WEBBYWORD.COM DISCLAIMS LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES) IN ANY WAY ARISING FROM THE FUNCTIONALITY OR OPERATION OF THIS SITE (INCLUDING, BUT NOT LIMITED TO, DAMAGES ARISING FROM INTERRUPTIONS OF SERVICE OR DELAYS OR ERRORS IN OPERATION OR TRANSMISSION), EVEN IF WEBBYWORD.COM IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Jurisdictional Statement

Access to this Site from territories where the content of this Site may be illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws or regulations.

These Terms of Use and all documents incorporated herein by reference constitute the entire agreement between WebbyWord.com and you with respect to this Site. These Terms of Use shall be governed in all respects by the laws of Singapore, without reference to its choice of law rules. Any dispute concerning this Site shall be subject to the exclusive venue of a court of competent jurisdiction in Singapore.

Forward Looking Statements

This Site may contain forward-looking statements. Actual results may vary materially from those projected in the forward-looking statements. Please refer to WebbyWord.com's filings with the Securities and Exchange Commission.

Severability

If any provision of these Terms of Use is held invalid, void or unenforceable, then that provision will be considered severable from the remaining provisions, and the remaining provisions shall remain in full force and effect.

Disclaimer of warranties

All information, products, content and other materials in the Site, accessible from the Site, or in a Third-Party Site are provided "as is" and without warranties or representations of any kind, either express or implied. This means that WebbyWord.com expressly disclaims all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. In addition, WebbyWord.com does not represent or warrant that: (i) the operation of the Site will be error-free or uninterrupted; (ii) defects will be corrected; (iii) the Site, any emails sent by WebbyWord.com, or the server that makes the Site available are free of viruses or other harmful devices; (iv) the Site will be available to you or that you will qualify for products or services offered; (v) the materials in the Site will be accurate as of any particular date; or (vi) the products or services offered through the Site are available outside of Singapore or in jurisdictions in which WebbyWord.com is not properly licensed.

If you are in a state that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to you.

Limitation of liability

WebbyWord.com shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise and even if WebbyWord.com has been advised of the possibility of such damages, which arises out of or relates in any way to: (i) the Site, materials in the Site, or the inability to use the Site; (ii) any Third-Party Site, materials in any Third-Party Site, or the inability to use any Third-Party Site; (iii) any defect, omission, error, interruption, delay, or computer virus; or, (iv) except as a result of WebbyWord.com's gross negligence or intentional actions, the unauthorized alteration of or access to your transmissions or personal data.

If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that WebbyWord.com's total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Site.

You agree to indemnify and hold harmless Webbyword.com of and from any and all claims, demands, losses, causes of action, damage, lawsuits, judgments, including legal fees and costs, to the extent causes by or arising out of or relating to the services of Webbyword.com, particularly those arising from any third party claim, action, suit, or proceeding against any action by a third party against Webbyword.com that is based on any claim that the Software [or any services performed under this Agreement] infringe a patent, copyright or other proprietary right or violate a trade secret. It is expressly stated that you agree to Indemnify Webbword.com from all liability, due to loss or lack off data or performance if Webbyword.com installs a your website or other code on your independently hosted server at your request.

Webbword.com is not liable for the deletion or disruption of services related to Videos, images or other intellectual property, as a result of copyright infringements or any other actions conducted by third parties in relation to sub domain sites. For example, the deletion of Videos hosted by Youtube.com.

Jurisdiction, enforceability, and termination

These Terms of Use and your use of the Site are governed in all respects by the laws of Singapore, without giving effect to any principles of conflicts of laws. Any dispute concerning the Site or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in Singapore.

In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions. These Terms of Use are effective until terminated by either party. You may terminate these Terms of Use without notice to WebbyWord.com by discontinuing all use of the information contained in the Site and destroying the materials you have obtained from the Site, including all related documentation and copies.

WebbyWord.com may terminate these Terms of Use and/or the products or services offered by WebbyWord.com at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Use. Upon termination, you must discontinue all use of the information contained in the Site and destroy the materials you have obtained from WebbyWord.com, including all related documentation and copies. WebbyWord.com is also entitled to terminate all or part of the Site at any time, without notice to you.

Last modified: August 24, 2014