Terms & Conditions of Use

Last update: 01 December 2018

1. Information About Us
www.appliedriskmanagement is a site operated by VICTORY CONSULTING & SERVICES PTE LTD (“Victory”, “we”, “us”, “our”). We are registered in Singapore under the Business Registration Number 201836366 and with our registered office at Fraser Tower, 182 Cecil Street, Level 17 S069547.

2. Service Availability
Our site is only intended for use by people who are
a) passionate about all things risk and governance relating to financial institution and corporates

b) passionate about training, education and enhancing a person’s skill sets in the area of risk and governance
Any other use is considered unauthorized and has breached the terms and conditions of this website.

3. Your Obligation

3.1 By visiting and using this website, you will be bound by the Terms & Conditions of this website.

3.2 By visiting the website, which will include but not limited to, signing up as member, posting comments, downloading of articles, you will abide by all relevant and applicable laws and regulations in Singapore (or any other applicable country) including but not limited to, copyright, patent, trademarks, data privacy, harassment, cyber bullying, internet censorship, sedition act, racist.

3.3 You may not sell or modify the content material found in this website, reproduce, display, distribute, or otherwise use the material in any way for any public or commercial purpose. For avoidance of doubt, the content from this website is meant for personal use ONLY.

3.4 By using and reading the content in this website, you consent that any subsequent decision made is your own responsibility. The content found in this website is not intended to be relied upon for any purpose. You consent that you will perform your own independent verification of the information prior to making any decision.

3.5 By uploading any content to our website, you represent to us that you have all the necessary legal rights to do so and will not violate any rights of any person.

3.6 By uploading any content to our website, you have not violated any law or regulations relating, but limited to, copyright, patent, trademark, data privacy.

3.7 By uploading or posting any content, you grant Victory the right to authorize the use of any parts of the content, transferable, worldwide, fully paid-up, royalty-free, perpetual, irrevocable right and license to use, distribute, publicly perform, display, reproduce, and create derivative works from your content in any and all media, in any manner, in whole or part, without any duty to compensate you. You also grant Victory the right to authorize the use of the content, or any portion thereof to other users in accordance with the terms and conditions of this Agreement, including the rights to feature your content specifically on the website and to allow users to request access to your content, such as for example through an RSS Feed.

3.8 You may not make use of any picture, name or logo relating to applied risk management or Victory Consulting & Services Pte Ltd without explicit written permission. If you wish to do so, please contact appliedriskmanagement@gmail.com.

4. Our Obligation

4.1 The content placed on this website is under the ownership of the content provider. Victory does not endorse any recommendation or opinion made by any user of this website for any purpose. Victory makes no representation about the accuracy, reliability, completeness or timeliness of the content found on this website. You may use the content found in this website at your own risk.

4.2 Victory will from time to time, review the content posted by the content owner. Victory reserve the right to review, edit or delete any content from this website without any prior notice to the content owner or any other user.

4.3 Victory reserves the right vary these Terms and Conditions from time to time.
If you violate any of these terms, your permission to use the site material automatically terminated and you must immediately destroy any copies you have made of the material. Victory reserves all other rights it may have at law or in equity. Victory reserves all other rights to pursue any form of legal action against user who violates the terms & conditions.