Terms of service

1.    OVERVIEW, ACCESS AND USE OF THE WEBSITE
1.1    This website (https://storyreflection.com) is operated by STORY REFLECTION PTE. LTD. Throughout the website, the terms “We”, “Us”, “Our” and “Story Reflection” refer to STORY REFLECTION PTE. LTD. 
1.2    By visiting this website and/or purchasing something from us, you engage in our services (“Service”, “Services”) and agree to be bound by the following terms of service, or terms and conditions (“Terms of Service”, “Terms”), including those additional terms of service and policies referenced herein and/or available by hyperlink, which form a binding contractual agreement between you and us. These Terms of Service apply to all users of the website, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.
1.3    Story Reflection offers this website, including all information, tools, and Services available from this website to “You”, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
1.4    Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms of service of this agreement, then you must refrain from accessing the website or using any Services. Please note that you must only use the website in accordance with these Terms of Service and any applicable laws, and must ensure that your employees, sub-contractors, and any other agents who access or use the website comply with the Terms of Service and any applicable laws. 
1.5    Any new features, information or tools which are added to the current store or website shall also be subject to the Terms of Service. 
1.6    We reserve the right to refuse and not to comply with any request from you or other third-party to do anything which may, in our sole and absolute discretion, conflict in any way with the laws and legislation in any applicable jurisdictions, nor shall undertake anything which may give rise to civil liability or risk of criminal prosecution in any applicable jurisdiction, raise any potential conflict of interest, and/or anything which may result in damage to our reputation.

2.    GENERAL CONDITIONS
2.1    You must be at least 18 (eighteen) years of age to use this website, or any Services contained herein. By using this website, you represent and warrant that you are at least 18 years of age, can form legally binding contracts under the law, can legally agree to this Terms of Service, and have the necessary power and authority to enter into this agreement and instruct us on behalf of yourself, or any company, partnership, trust, or any other entity you claim to represent and the execution of this agreement has been properly authorised by such entity. We assume no responsibility or liability for any misrepresentation of your age. 
2.2    We reserve the right at our absolute discretion over type of Services we provide, the method in which it is delivered, and demographic and/or geographical regions which the services may be offered. We reserve the right at our absolute discretion to discontinue and/or terminate any of our services at any time without prior written notice to you.
2.3    We reserve the right, but are not obligated, to limit the sales of our Services to any person, businesses, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. Any offer for any Services made on this website is void where prohibited. 
2.4    Certain Services may be available exclusively online through the website. Each Service offered are subject to their respective terms of service, and refund policy based on each of our product and service categories. 
2.5    We reserve the right to refuse any Service or any order you place with us for any reason at any time. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the email and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors. We may, in our absolute discretion, suspend or terminate your account for any reason, including any failure to comply with this agreement. 
2.6    You can review the most current version of the Terms of Service at any time at this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website at any time without any prior written notice. You agree that all modifications to this Terms of Service are in full force and effect immediately upon posting on the website and that any modifications or variations will replace any prior version of this Terms of Service unless prior versions are specifically referred to or incorporated into the latest modification or variation of this agreement. It is your responsibility to check this page periodically for changes. Your continued use of or access to our website or the service following the posting of any changes to these Terms of Service constitutes acceptance of those changes and represent an agreement by you to be bound by the Terms of Service as amended.

3.    ACCURACY OF BILLING AND ACCOUNT INFORMATION
3.1    You warrant that any information you provide to us will always be current, correct, complete, and accurate, including purchase, billing, and account information for all transactions made at our website or Service. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed. Where information is inaccurate, we may cancel your order. 
3.2    You must keep your login information confidential as you are responsible for all activities related to your account. You are responsible for managing your account and ensuring that you only access our website in appropriate manner. If you discover that your login information has been compromised, you agree to notify us immediately in writing. You are responsible for maintaining the safety and security of your login and personal information as well as keeping us apprised of any changes to your login and personal information.
3.3    The billing information you provide us, including credit card, billing address, and other payment information is subject to the same confidentiality and accuracy requirements as the rest of your identifying information. Providing false, unlawful, or inaccurate information or using the Service, or the website to further fraud or unlawful activity is grounds for immediate termination of this agreement.
3.4    You acknowledge and agree that except as expressly agreed, we will not take any steps to verify the accuracy of any information, materials, or documents you provide to us. We shall have no liability or responsibility of any loss incurred to you or any third-party due to your decision to provide false, unlawful, or inaccurate information, materials, and/or documents. 

4.    ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION
4.1    We endeavour to ensure the accuracy of information, descriptions, prices, times, availability, and promotions as possible. However, sometimes the information may not be accurate, and some matters are out of our control. Furthermore, you may encounter some issues or disruptions when accessing the information on our website and other related platforms, such as:
(a)    the website and/or other related platforms may not be accessible at times, especially when there is scheduled maintenance or outage;
(b)    the website and/or other related platforms may have errors or defects;
(c)    the messages or emails delivered through the website and/or other related platforms may not be delivered promptly, or may not be delivered at all;
(d)    the information you receive, supply, or upload through the website and/or other related platforms may not be secure of confidential; or
(e)    any information provided through the website and/or other related platforms may not be accurate, complete, or current.
4.2    We assume no responsibility of any errors, defects inaccuracies, omissions, if the information is not current, or any other inconsistencies, and disclaim any liability to any party for any loss, damage, or disruptions whether such errors result from negligence, accident, or any other reasons. We cannot guarantee the accuracy of the information on our website and other related platforms. 
4.3    The material on our website and other related platforms is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information. 
4.4    The information on our website and other related platforms may include an opinion that is not widely held for general information only and must not be considered professional advice. This website and other related platforms may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. Your personal and business situation has not been considered when we write the information on the website and other related platforms. Any reliance on the material on this website and other related platforms is at your own risk. 
4.5    The information on the website and/or other related platforms are provided for informational purposes only. You acknowledge and agree that any information on the website and/or other related platforms is not intended to be legal advice, medical advice, or financial advice, and no fiduciary relationship has been created between you and us. 
4.6    We reserve the right to change, update, modify, or delete the contents or functionality of this website and other related platforms at any time and without prior notice to you, but we have no obligation to update any information on our website and other related platforms. You agree that it is your responsibility to monitor changes to our website and other related platforms. 
4.7    We cannot guarantee the accuracy of the information or availability of any of our Services or promotions on our website and other related platforms. Prices of our Services are subject to change without notice. All descriptions of Services or pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right at any time to modify, terminate, or discontinue any promotions, or Services (or any part of content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, price change, suspension, or discontinuance of the Service. 
4.8    Occasionally there may be information on our website and other related platforms or in the Service that contains typographical errors, inaccuracies or omissions that may relate to our Services, product descriptions, pricing, promotions, offers, transit times and/or availability. We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information or cancel orders if any information in the Service or on any related website and other related platforms are inaccurate at any time without prior notice (including after you have submitted your order). 
4.9    We undertake no obligation to update, amend or clarify information in the Service or on any related website and other related platforms, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website and other related platforms, should be taken to indicate that all information in the Service or on any related website and other related platforms has been modified or updated.

5.    INTELLECTUAL PROPERTY
5.1    We retain the ownership of the website, other related platforms, and all materials on the website and other related platforms (including text, graphics, logos, design, icons, images, sound and video recordings, pricing, downloads, and software), and reserves all rights in any intellectual property rights, including all copyrights, trademarks, trade secrets, patents, and other intellectual property owned or licensed by it not expressly granted to you. You will not under these terms acquire intellectual property rights in any of our intellectual property.
5.2    You must not otherwise copy, record, reproduce, share, adapt, exploit, modify, publish, publicly display, transmit, upload, download and/or create derivative works of the website, other related platforms, any website content, and materials without prior written consent from us and/or as permitted by law. 
5.3    You agree not to copy, record, reproduce, share, adapt, exploit, modify, publish, publicly display, transmit, upload, download and/or create derivative works of any portion of the Service, use of the Service, or access to the Service or any contact on the website and other related platforms through which the Service is provided, without express written permission by us.
5.4    You agree that you will not use our intellectual property for any unlawful or infringing purpose. You agree not to reproduce or distribute our intellectual property in any way, including electronically or via registration of any new trademarks, trade names, service marks, or uniform resource locators (URLs), without express written permission from us.
5.5    For the purposes of this clause:
(a)    “Our Intellectual Property” means all content or materials on our website and other related platforms owned or licensed by us and any Intellectual Property Rights attaching to those materials.
(b)    “Intellectual Property Rights” means any and all present and future intellectual and industrial property rights throughout the world (whether registered or unregistered), including copyright, trademarks, designs, patents, moral rights, semiconductor and circuit layout rights, trade, business, company and domain names, and other proprietary rights, trade secrets, know-how, technical data, confidential information and the right to have information kept confidential, or any rights to registration of such rights (including renewal), whether created before or after the date of this agreement.

6.    USER COMMENTS, FEEDBACK, AND OTHER SUBMISSIONS
6.1    If, at our request, you send certain specific submissions or without a request from us, you send any feedback, creative ideas, suggestions, proposals, plans, testimonials, cases, graphics, images, videos, other materials, or any other submissions, including any submissions for website or social media contests, whether online, by email, submission through our website, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, modify, copy, display, publish, use, share, distribute, broadcast, transmit, translate, adapt, reproduce, create derivative works and otherwise use in any medium any comments that you forward to us, and we may use them for marketing and information purposes, publications, and professional awards across any print or digital medium, including any social media channel. By providing us with these submissions, you agree to assign the copyright to us. 
6.2    We are and shall be under no obligation (a) to maintain any comments in confidence; (b) to pay compensation for any comments; or (c) to respond to any comments. 
6.3    You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
6.4    On certain occasions, we may request to publish your case as a case study, or request to publish your achievements if you win any of the contest on our website and any other print or digital media, including any social media channel. When this happens, we may seek your explicit consent and will keep your personal information confidential if you request us to do so. If you provide explicit consent for a case study, or publishing your achievements, but subsequently would like to revoke your permissions, it is your responsibility to notify us immediately. You agree to provide us 20 business days to review and process your request to revoke your permissions upon notification.
6.5    If it is determined that you retain moral rights (including rights of attribution or integrity) in any comments or materials you posted or submitted, you forever release us from any and all claims that you could assert against us by virtue of any such moral rights. You indemnify us against all damages, losses, costs, and expenses incurred by us arising out of any third-party claim that your submissions infringe any third party’s intellectual property rights.
6.6    If you feel that any of your intellectual property rights have been infringed or otherwise violated by the posting of information or media by another of our users, please contact us and let us know.
6.7    Subject to your agreement of non-disparagement of us, you may publish general information about what you have learnt on our website and other related platforms, provided such information is general in nature and does not cover any of the actual content or information covered in our Services. You agree that you will provide accreditation and acknowledgment to us by reference or hashtags if you make such a publication. We reserve the right to require you to remove any such publications and/or remove any accreditation to us.
6.8    We may, but have no obligation to, monitor, screen, review, edit or remove any content (including links to you, your profile, or listings you have posted or submitted) that we determine in our sole discretion to be unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene, or otherwise objectionable or violates any party’s intellectual property or these Terms of Service at any time without giving any explanation or justification for removing your user contributions or submissions.
6.9    By providing, uploading, attaching, or posting any comments, feedback, information, materials or other content on our website or other related platforms, you acknowledge, agree, represent, and warrant that:
(a)    You are authorised to provide and submit the comments, feedback, information, materials, and/or other contents (including by being authorised to provide any services that you represent to provide);
(b)    Your comments, feedback, information, materials, and/or other contents will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right; 
(c)    Your comments, feedback, information, materials, and/or other contents will not contain libellous, harmful, discriminatory, defamatory, maliciously false implications, does not contain any offensive or explicit materials, or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service, website, other related platforms, other websites, or internet; 
(d)    You may not use a false email address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments, feedback, information, materials, and/or other contents; 
(e)    You are solely responsible for any comments, feedback, information, materials, and/or other contents you make and their accuracy, and for security, keeping and maintaining records of your user contributions or submissions; 
(f)    Your comments, feedback, information, materials, and/or other contents is honest, accurate and presents a fair view of the relevant person and/or your experience;
(g)    Your comments, feedback, information, materials, and/or other contents is not “passing off” any product or service and does not constitute unfair competition, and does not breach or infringe any applicable laws; and
(h)    We take no responsibility and assume no liability for any comments, feedback, information, materials, and/or other contents posted, published, or submitted by you or any third-party.

7.    THIRD-PARTY LINKS, WEBSITES, MATERIALS, TOOLS, AND SUPPLIERS
7.1    This website and other related platforms may contain links that may direct you to other third-party links or websites that are not affiliated with us. Certain content, products and services available via our service may include materials from third-parties. 
7.2    We have no control over the content of the linked websites, and we are not responsible for any content or information on the other third-party links or website. Any reliance on the material on the third-party links or website is at your own risk. The inclusion of any third-party links or website on our website does not imply our approval or endorsement of the linked websites or links. We shall have no responsibility for third-party content and make no representation, warranty, or guarantee about the quality, suitability, accuracy, reliability, currency, or completeness of third-party content.
7.3    We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials, links or websites, or for any other materials, products, or services of third-parties. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party links or websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party. 
7.4    We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools. Any use by you of the third-party tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s). We may also, in the future, offer new Services and/or features through the website (including the release of new tools and resources). Such new features and/or Services shall also be subject to these Terms of Service.
7.5    We may, at our absolute discretion, outsource any part of performing any Services related to providing the products or Services illustrated on our website to the third-party services or platforms, and they may be located in different geographic or demographic location. We shall not be liable or responsible for any acts or omissions of those third parties, including where such third parties cause any error, disruption, delay, or damage to any part of your order, or are negligent in providing product or services by such third-party suppliers or platforms.
7.6    When we engage with third-party service providers, they may have their own terms of service, and other policies. You acknowledge and agree to the third-party terms of service and other policies that’s applicable to ensure the functionality of the services, website, website content, and/or any other related platforms, and in the course of delivering our products and Services.
7.7    To the maximum extent permitted under applicable law and our agreements with any applicable third-parties, we shall not be liable for any loss or damage suffered by you in connection with such third-party terms of service, and other policies, including in relation to any fault, error or any issues experienced.
7.8    You have the right to reject any third-party terms of service, and other policies. However, we cannot provide you with the access to our website, Service, and/or other related platforms and you will need to cancel in accordance with this agreement.

8.    PERSONAL INFORMATION AND CONFIDENTIALITY
8.1    We may collect personal information about you, and the submission of your personal information is governed by our Privacy Policy. Our Privacy Policy will set out how we use, disclose, and store your information, and how you can access and correct your personal information. 
8.2    By agreeing to our Terms of Service, you agree to be bound by our Privacy Policy, which can be found at this link: 
8.3    You acknowledge and agree that you will not disclose and/or distribute any confidential business information and/or any other information owned by us, including any system operations, documents, marketing strategies, staff information, client information, confidential communications and conversations, and any other confidential business information to any third-parties.
8.4    You acknowledge and agree that you will not disclose and/or distribute any confidential information, communications, and conversations of other users. If you become/s aware of a suspected or actual breach of any confidential business information related to Story Reflection, you agree to immediately notify us in writing, and take reasonable steps required to prevent, stop or mitigate the suspected or actual breach.
8.5    We shall have no liability and responsibility for any loss incurred to any parties due to your failure to maintain confidentiality. You acknowledge and agree that you are solely liable and responsible for any loss incurred to you and/or any third-parties due to your failure to maintain confidentiality of the information. 
8.6    We shall have the right to recover the loss or damage due to your failure to maintain the confidentiality of the information, including the court or litigation costs.

9.    FEES
9.1    Fees shall mean the agreed fees for the Services to be purchased in accordance with this agreement, and as amended in accordance with the provisions of this agreement from time to time. 
9.2    Any fees payable shall be paid on or before the invoice due date, and/or at the time placing an order on our website and/or other related platforms. 
9.3    We are entitled to its fees payable as set out in our website and other related platforms, and we reserve the right to amend, modify, change, review and increase our fees annually based on our own sole and absolute discretion without any prior written notice. 
9.4    We shall have no liability for any losses suffered by any person arising directly or indirectly from your failure or refusal to provide us with sufficient cash to pay the fees and expenses, and/or due to the any changes in the fees payable or prices.
9.5    Any fees payable and prices are to be paid according to the currency of the respective country and/or jurisdictions, and subject to sales and digital tax applicable based on the law of the countries where the store is located or where the customers is located.
9.6     In the event that we discover an error or inaccuracy in the fees or prices at which your order was purchased, we will attempt to contact you and inform you of this as soon as possible. You will then have the option of purchasing your order at the correct price or cancelling your order. If you choose to cancel your order and payment has already been debited, the amount you have paid based on the invoice will be credited back to your original method of payment.

10.    GIFT CARD, PAYMENT, SALES AND DIGITAL TAX
10.1    Gift Card is valid for 5 years of the issue date. No refund for change of mind for Gift Card. We do not accept the request for Gift Card top-up.
10.2    Gift Card can be redeemed by entering the unique code provided on your gift card during the checkout. Gift card cannot be exchanged for cash. 
10.3    Gift Card is only available for individual or personal customers, and not for business customers. We do not sell Gift Card in bulk or wholesale. 
10.4    Gift Card is only available for selected countries listed on our website. It is your responsibility to ensure that you purchased the Gift Card from the respective store in your country or residence and/or jurisdiction. We are not responsible to your or any third-party for any loss incurred in connection with your failure to verify the jurisdiction of the stores or website.
10.5    Gift Card is a valid form of payment. Gift Card can only be utilised for selected Services. Please refer to the website for more information.
10.6    We reserve the right to seek payment of fees in advance through the issuance of invoice or at the time placing an order on our website and/or other related platforms. If you are allowed to pay by the invoice or manual payment method, and the fees, disbursement and/or other expenses remain unpaid 48 hours after the invoice due date, we shall be entitled to either charge interest on such outstanding amounts with effect from date of invoice issued at a monthly rate of 2% or such grater amount as may be permitted under applicable law, or cancel your order and make it available to others, and we shall be under no obligation to provide any further Services on any matter until all overdue amounts have been paid in full. We shall bear no liability or responsibility for the consequences of suspension or cessation of Services in these circumstances. 
10.7    We process the payment through the online payment partner’s platform at the time you place an order on our website. Unless we inform you otherwise, if you elect to pay by credit card, debit card or other online payment method, a third-party online payment provider will be used to collect and charge your credit card, debit card or other online payment details. 
10.8    The processing of payments by the payment provider will be subject to the terms, conditions, and privacy policies of the payment provider, and we are not liable for the security or performance of the payment provider. You agree to release Story Reflection and its employees and agents in respect of all liability for loss, damage or injury which may be suffered by any person arising from any act or omission of the online payment partner, including any issue with security or performance of the online payment partner’s platform or any error or mistake in processing your payment.
10.9    Our current payment provider is Shopify Payment (https://www.shopify.com/payments), and we are currently accepting payment through PayNow Singapore (https://www.abs.org.sg/e-payments/pay-now) as well. 
10.10    If you are allowed to pay by the invoice or manual payment method, and would like to pay through bank transfer or PayNow Singapore, please only refer to the bank details or payment details provided on the invoice and on the website. We will never inform you of any changes to our bank details via email. If you receive any correspondence announcing a change in our bank details, please contact us and verify the bank details with us before you pay. We shall not be liable or responsible to you or any third-party for any loss incurred in connection with you failing to verify false bank details. We shall have no obligation to seek or undertake any due diligence on any bank’s financial position. In the event of any bank failure, the liability for payment of fees shall remain unaffected. 
10.11    All of our Services, except Gift Card is subject to sales and digital tax based on the law of the countries where the store is located or where the customers is located. The sales and digital tax will be calculated automatically at the checkout.
10.12    We shall be entitled to recover, on a full indemnity basis, the cost of debt collectors, professional advisors, court or litigation costs, and any other fees incurred due to overdue invoices, fees, expenses, and/or disbursements.
10.13    We reserve the right to suspend or terminate the agreement with you in the event of non-payment of fees. If any business, company, and/or company is unable to meet its financial obligations, including any fees, expenses and disbursement incurred, for any reasons, the directors, executives, and/or business representatives are responsible for settling all such fees, expenses, and disbursements in respect of the Services provided and fees incurred.
10.14    We reserve the right to correct, or to instruct our payment provider to correct, any errors, or mistakes in collecting your payment. We reserve the right to modify, update, delete, or terminate the terms of service of gift card and payment method. The terms of service are subject to change at any time without prior notice. 

11.    DISCOUNT CODES AND PROMOTIONS
11.1    Discount codes need to be applied at the checkout for specified products or Services for the discount to apply. Discount codes are only applicable for eligible products and/or Services and cannot be used for taxes or any other additional charges unless specifically stated. Discount refunds will not be given for missed code application or non-applied discounts, please check the discount is taken off the amount before completing your order.
11.2    Only one discount code can be used per transaction per person. Multiple discount codes cannot be combined and cannot be used with any other promotional offer unless explicitly stated.
11.3    Discount codes cannot be retroactively applied to previous purchases. It can only be used for future orders placed during the specified valid period. 
11.4    Discount codes are not transferable and not redeemable for cash or credit.
11.5    Discount codes shall only be available for a specified time, and the availability of the discount code may be limited while supplies last. We cannot guarantee the availability of the discount codes, and/or the availability of the products or Services where discount codes or promotions can be utilised. 
11.6    Once the discount code is expired, it is no longer available to be used, unless explicitly stated. We are not obligated to extend the period of the discount codes or promotions, and not responsible to you or any other third-party for any loss incurred due to the expiry of the discount codes, limited availability of the discount codes, promotions, products, and/or Services, and/or your failure to apply the discount code at the specified time.
11.7    Discount codes may have eligibility criteria and may be based on specific customer demographics, countries, regions, jurisdictions, and any other eligibility criteria to ensure that the offer reaches the intended audience. We reserve the right on our sole and absolute discretion, to determine the eligibility criteria of discount codes or promotions. You acknowledge and agree that the discount codes, promotions, and/or the availability of the discount codes, promotions, products, and/or Services may be different based in different demographic, and/or geographic locations. 
11.8    You acknowledge and agree to utilise the discount codes at the respective stores or website that offer the respective discount codes. We are not responsible to you or any other third-party for any loss incurred due to the difference in the promotions and/or discount codes between different countries, jurisdictions, customer segments, and/or your mistakes of applying the discount code in the respective stores or website at the respective promotion period.
11.9    Any attempt to manipulate, reproduce, or tamper with discount codes will be considered fraudulent and may result in legal action. You acknowledge and agree not to abuse or use the discount code for fraudulent activities. You acknowledge and agree not to share and/or resale the discount code through social media channel and/or any other online platforms, and/or any other unauthorized use of the discount codes without our written permissions.
11.10    We reserve the right to modify or terminate the discount codes, promotions, and/or the terms of service of the discount codes or promotions at any time without any prior written notice. 
11.11    If the product or Service where you applied the discount code allow return and refund, and you would like to return the product or Service, the discount value may be subtracted from the return credit. You are required to pay any applicable tax related to the use of the discount code and/or promotion.
11.12    For specific information about the discount codes and promotions, please refer to our website. Additional terms or conditions may apply, and these will be set out on the website. We are not responsible to you or any other third-party for any loss incurred in connection to your failure to verify and check the specific terms of service of the discount codes and promotions on our website. Discount codes are void if restricted or prohibited by law.

12.    AFFILIATE MARKETING, REFERRALS, COMMISSIONS, AND COLLABORATIONS
12.1    We may receive commissions for referrals from affiliate partners through affiliate links, and/or business-to-business recommendations. We may engage in affiliate marketing whereby we receive a commission on the sale of products or services on or through the website and/or other related platforms. We may also accept advertising and sponsorships from commercial business or receive other forms of advertising compensation and/or commissions. 
12.2    Some links on the website, its pages, and/or other related platforms may contain an affiliate links. If you purchase a product through an affiliate link, the fees paid will be the same, but we may receive a commission through your transactions, purchases, and/or orders.
12.3    For business-to-business recommendations without the affiliate links, we will request your permissions before referring you to a referral partner and disclose our referral relationship. You may refuse any referral requests if you are not interested in the referrals offered. 
12.4    We shall have no liability and responsibility for any loss incurred to you and any third-party due to your decision to contact, engage, and/or purchase from the referral partners. You acknowledge and agree that you are solely responsible to undertake sufficient action to verify the business profile of the referral partners and the quality of the products and/or services provided by any referral partners.
12.5    We may provide commissions for referrals to our affiliates through affiliate links and/or business-to-business recommendations. 
12.6    Any request for any business and/or media collaborations must be submitted through the respective form with an official proposal through our website. We reserve the right to accept or refuse any of the submission for any business and/or media collaborations. We shall have no liability and responsibility for any loss incurred to you and any third-party due to the refusal or acceptance of any business and/or media collaboration requests.

13.    PROHIBITED USES
13.1    In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the website, its content, and/or other related platforms: 
(a)    for any unlawful purpose or any purpose prohibited under this clause;
(b)    for any purpose other than the purposes of browsing, selecting or purchasing product or Services;
(c)    for any purpose other than for the purpose of learning or educational purposes;
(d)    in any way that could damage the website and/or other related platforms;
(e)    to act in a way that may diminish, damage, or adversely impact our reputation or any other interested party, or do anything at all contrary to our best interests, including by linking to the website and/or other related platforms on any other websites;
(f)    to perform or participate in any unlawful acts, or in a manner that is illegal or fraudulent or facilitates illegal or fraudulent activity (including requesting, threatening or accepting a job which includes illegal activities or purposes);
(g)    to solicit others to perform or participate in any unlawful acts, in a manner that is illegal or fraudulent or facilitates illegal or fraudulent activity; 
(h)    to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances, and/or otherwise violate any person’s legal rights;
(i)    to infringe upon or violate our intellectual property rights, the intellectual property rights of others, and/or any intellectual property rights of third-parties; 
(j)    to submit false or misleading information; 
(k)    to harass, abuse, insult, harm, defame, slander, disparage, intimidate, threaten or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; 
(l)    for any obscene or immoral purpose;
(m)    to publish or distribute any obscene or defamatory material, to publish or distribute any material that incites violence, hate, or discrimination towards any group, to unlawfully gather information about others;
(n)    to upload, transmit or disseminate viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service, website, other related platforms, other websites or the internet and may damage the property of another, for any reasons, including to perpetrate any fraud, to engage in or create any unlawful gambling, sweepstakes, or pyramid scheme, to publish or distribute any obscene or defamatory material, to publish or distribute any material that incites violence, hate, or discrimination towards any group, to unlawfully gather information about others.
(o)    to collect or track the personal information of others; 
(p)    to spam, phish, pharm, pretext, spider, crawl, or scrape; 
(q)    in connection with any commercial or money making or other promotional or marketing endeavours except those that are endorsed herein, or as approved in writing by us; 
(r)    to interfere with or circumvent the security features of the Service, website, other related platforms, other websites, or the internet;
(s)    to reverse engineer, attempt to reverse engineer, copy, mirror, reproduce, translate, adapt, vary, modify, sell, decipher, disassemble or decompile any code, software, part or aspect of the website and/or other related platforms without our express consent; 
(t)    to use, or attempt to use, the website and/or other related platforms in a manner that may interfere with, disrupt or create undue burden on the website or the servers or networks that host the website and/or other related platforms;
(u)    violate the security through any unauthorized access, circumvention of encryption or other security tools, assistance of any automated scripting tool or software, data mining, or interference to any host, user, or network; and
(v)    to attempt to breach the security of the website and/or other related platforms, or otherwise interfere with the normal functions of the website and/or other related platforms, including by:
(i)    gaining unauthorised access to website and/or other related platforms accounts or data;
(ii)    scanning, probing or testing the website and/or other related platforms for security vulnerabilities;
(iii)    overloading, flooding, mailbombing, crashing or submitting a virus to the website and/or other related platforms; or
(iv)    instigate or participate in a denial-of-service attack against the website and/or other related platforms.
13.2    We reserve the right to terminate your use of the Service or any related website and/or other related platforms for violating any of the prohibited uses. 

14.     DIGITAL PRODUCT TERMS OF SERVICE AGREEMENT
14.1     This agreement covers our terms of service (“Terms of Service, “Terms) for our digital product offering and any other services made available as part of our Story Reflection services (“Service”, “Services”) offered by STORY REFLECTION PTE. LTD. 
14.2     Please read these Terms of Service carefully before registering, enrolling, and/or purchasing any of our Services. By registering, enrolling, and/or purchasing any of our Services, and accepting our terms of service on our website by ticking “I accept the terms of service” at the checkout, you agree to be bound by this agreement and the following terms of service (“Terms of Service”, “Terms”), including those additional terms of service and policies referenced herein and/or available by hyperlink, which forms a binding contractual agreement between “You”, and STORY REFLECTION PTE. LTD., or “We”, “Us”, “Our”, or “Story Reflection”. If you do not agree to all the terms of service of this agreement or Terms of Service, then you must refrain from registering, enrolling and/or purchasing the access to our Services. 
14.3     By registering, enrolling, and/or purchasing the access to our Services, you represent and warrant that you are at least 18 years of age, can form legally binding contracts under the law, can legally agree to this Terms of Service, and have the necessary power and authority to enter into this agreement and instruct us on behalf of yourself, or any company, partnership, trust, or any other entity you claim to represent and the execution of this agreement has been properly authorised by such entity. We assume no responsibility or liability for any misrepresentation of your age. 
14.4     Story Reflection Services are not intended for unsupervised use by any person under the age of 18 years old or any person who has previously been suspended or prohibited from accessing and/or completing our Service. If you do not qualify, please refrain from registering, enrolling, and/or purchasing the access to our Service. 
14.5     If you register, enrol, and/or purchase the access to the Story Reflection Services as an individual, you acknowledge and agree that you register for our Services on your own (no other person or any party register on behalf of you), you accept the Terms of Service on your own, and you are solely responsible and liable to fulfil the terms of service. If you register, enrol, and/or purchase the access to the our Services on behalf of other person, as a gift, you and the person you have registered, enrolled, and purchased for acknowledge and agree to accept the Terms of Service on this website; and you, and the person you have registered and purchased for are solely responsible and liable to fulfil the terms of service.
14.6     If you register, enrol, and/or purchase the access to the Story Reflection Learning Innovation as a business representative, you represent and warrant that you are authorised to register for our Services on behalf of any company, partnership, trust, any other entity and/or any employees in the entity you claim to represent. You (as a business representative) acknowledge and agree that you, your entity you claim to represent, and any employees in the entity you claim to represent accept the Terms of Service, and you, your entity you claim to represent, and any employees in the entity you claim to represent are responsible and liable to fulfill the terms of service. We assume no responsibility or liability for any loss incurred to you or any third-party due to your negligence, and/or misrepresentation of entity and any employees you claim to represent. 
14.7    We reserve the right at our absolute discretion over type of Services we provide, the method in which it is delivered, and demographic and/or geographical regions which the services may be offered. We reserve the right at our absolute discretion to discontinue and/or terminate any of our services at any time without prior written notice to you.
14.8    We reserve the right, but are not obligated, to limit the sales of our Services to any person, businesses, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. Any offer for any Services made on this website is void where prohibited. 
14.9    We reserve the right to refuse any Service or any order you place with us for any reason at any time. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the email and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors. We may, in our absolute discretion, suspend or terminate your account for any reason, including any failure to comply with this agreement. 
14.10    You can review the most current version of the Terms of Service at any time at this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website at any time without any prior written notice. You agree that all modifications to this Terms of Service are in full force and effect immediately upon posting on the website and that any modifications or variations will replace any prior version of this Terms of Service unless prior versions are specifically referred to or incorporated into the latest modification or variation of this agreement. It is your responsibility to check this page periodically for changes. Your continued use of or access to our website or the service following the posting of any changes to these Terms of Service constitutes acceptance of those changes and represent an agreement by you to be bound by the Terms of Service as amended.

15. DIGITAL PRODUCT REGISTRATION PROCESS AND ACCESS TO THE SERVICE
15.1     If you would like to register, enrol, and/or purchase the access to the Story Reflection Services, you are required to sign up, register, create an account through our website, and purchased any of our Services. After you have completed the registration process, we may, in our absolute discretion, choose to accept you as a registered user, and you may be enrolled into our Learning Management System (LMS), enrolled into our Webinars, and/or participated in our Services based on the Service you purchased and/or subscribed. 
15.2    Your account registration will not guarantee an enrolment as we may have a limited number of tickets available, and/or limited access or seats to any of our Services. Your enrolment will not be processed until we have approved your payment, and you received an email from us confirming that your enrolment has been processed. 
15.3    As part of your registration process, you are required to provide personal information and details, such as your first and last name, email address, billing and postal address, a secured password, mobile phone number, and other information as determined by us from time to time. 
15.4    You warrant that any information you provide to us will always be current, correct, complete, and accurate, including purchase, billing, and account information for all transactions made at our website or Service. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed. Where information is inaccurate, we may cancel your order or enrolment. 
15.5    You must keep your login information confidential as you are responsible for all activities related to your account. You are responsible for managing your account and ensuring that you only access our website in appropriate manner. If you discover that your login information has been compromised, you agree to notify us immediately in writing. You are responsible for maintaining the safety and security of your login and personal information as well as keeping us apprised of any changes to your login and personal information.
15.6    The login details, access to the Service and any of its accompanying learning materials may not be shared with any party. If we suspect that the login details, access to the Service and/or any materials are being shared and/or that you have shared your login information with any party, we reserve the right to immediately terminate your access to the Service and/or cancel the issuance of your certificates, if any, in our sole and exclusive discretion.
15.7    The billing information you provide us, including credit card, billing address, and other payment information is subject to the same confidentiality and accuracy requirements as the rest of your identifying information. Providing false, unlawful, or inaccurate information or using the Service, or the website to further fraud or unlawful activity is grounds for immediate termination of this agreement.
15.8    You acknowledge and agree that except as expressly agreed, we will not take any steps to verify the accuracy of any information, materials, or documents you provide to us. We shall have no liability or responsibility of any loss incurred to you or any third-party due to your decision to provide false, unlawful, or inaccurate information, materials, and/or documents. 
15.9    You acknowledge and agree that we reserve the right to change, modify, and/or cancel the registration, application, enrolment, reservation, orders, access to the Service and/or learning materials at any time without any prior written notice for any reasons, and that we may require you to submit an online application and pay for the application fee to register, apply, and enrol to our Service in the foreseeable future.
15.10    You acknowledge and agree that we reserve the right to determine but have no obligation to open an Expression or Interest (EOI) submissions, new Services, contents, learning materials, and/or increase, decrease or limit the number of availabilities of the Service for any reasons. You acknowledge and agree that we reserve the right to determine when we open and close the registration, start, and end date of the events, courses, subscriptions, or any other Services and offer any pre-launch or pre-order of any digital products or Service at any time without any prior written notice.
15.11    You acknowledge and agree that we may modify, update, cancel, or remove the structure of the Service, title of the Service, specific learning materials within the Service (including by adding new content or removing existing content), and any other features within the Service in our absolute discretion, and the learning materials which you have access to at the start date of the Service or on the date the Service is provided may become unavailable at any time without prior written notice to you.
15.12    The registration and enrolment are based on a first-come, first-served basis. Even after your enrolment is confirmed, you may not be able to begin until the specified start date. On the start date of the Service, you will access the Service through the LMS, Webinars of other platforms specified by us. Whether or not the Service has been completed by the specified end date and whether or not you have accessed the Service, it will expire within a specified end date indicated in the LMS, on our website, or other related platforms, unless otherwise confirmed by us in writing.
15.13     You acknowledge and agree that we reserve the right to cancel and/or re-schedule our Services delivered through webinars, simulive, LMS, and/or other related platforms. We shall have no liability or responsibility for any loss incurred to you or any third-party due to the cancellation or re-schedule of the event, workshops, learning games, or online courses. We may, at our sole and absolute discretion allow you to participate in the next available Services or recommend alternative solutions if you are unable to attend the scheduled Services due to extenuating circumstances subject to the availability of the supporting documents and our approval. You acknowledge and agree that we reserve the right to determine whether or not you will be granted exemptions based on your applications, and we shall have no liability or responsibility of any loss incurred to your or any third-party due to the refusal of your exemption application.
15.14    You acknowledge that Story Reflection Services, including Story Reflection Workshop and Story Reflection Games is a non-academic, professional course. After the completion of all the requirements of the module, course, workshop, learning games, or events, you may be eligible to purchase a certificate to demonstrate the satisfactory participation. The certificate you obtained from us may be eligible for verification of authenticity via third-party verification system. You acknowledge and agree that we reserve the right to edit, change, modify, terminate, cancel your certificate at any time due to any reasons. We shall not liable or responsible for any loss, errors, and/or disruptions to you or any third-party due to third-party verification system’s errors or failures. You acknowledge and agree that the certificate you received from Story Reflection cannot be used as accreditation or credit at any tertiary or public institution. You acknowledge and agree that the certificate you received from Story Reflection cannot be exchanged or redeemed for cash, a discount, or anything else; and transferred, sold, or licensed to another student, or anyone else.

15.15    You acknowledge and agree that we reserve the right to determine, change, or modify the Service, Service and/or course duration, start and end date, delivery methods, and/or determine, change, modify, cancel, and/or terminate the access to the Service. We shall have no liability or responsibility of any loss incurred to your or any third-party due to any changes of Service, and/or termination of the access to the Service. We shall have no liability or responsibility of any loss incurred to your or any third-party due to our decision not to provide certificates for any of our Services.
15.16    You acknowledge and agree that we reserve the right to determine the processes, procedures, and requirements of the Service, and by purchasing, participating, and/or accept our Terms of Service, you acknowledge and agree to fulfil all the procedures and requirements of the Service. We shall have no liability or responsibility of any loss incurred to your or any third-party due to our procedures and requirements, and/or your failure to comply with our procedures and requirements.
15.17    You acknowledge and agree that we reserve the right to determine the passing grade, completion or participation requirements of any modules, courses, workshops, learning games, events, and/or programs, including the number of attempts of each module, and we reserve the right to determine the grading and marking criteria, processes, requirements, and standards. We shall have no liability or responsibility of any loss incurred to your or any third-party due to our determination of passing grade or marks, including the number of attempts of each module, and/or our grading or marking criteria, processes, requirements, and standards.
15.18    You acknowledge and agree that we may use any applications, software, tools, and/or websites to facilitate the learning process, including but not limited to proctoring applications, audio-recording, webinar applications, artificial intelligence (AI), learning management system (LMS), and/or Virtual Reality (VR) system or applications. We shall have no liability or responsibility of any loss incurred to your or any third-party due to any errors, disruptions, and/or any other issues caused by third-party applications, software, tools, and/or websites. 

16.    DISCLAIMERS
16.1    We do not guarantee, represent, or warrant that your use of our Service will be uninterrupted, timely, secure, or error-free. We do not warrant that the information that may be obtained from the use of the Service will be accurate or reliable. You agree that from time to time we may remove the Service for indefinite periods of time or cancel the Service at any time, without notice to you. You expressly agree that your use of, or inability to use, the Service is at your sole risk. 
16.2    We may need to interrupt your access to the website and/or other related platforms to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that your access to the website and/or other related platforms may be affected by unanticipated or unscheduled downtime, for any reason, but that we shall have no liability for any damage or loss caused as a result of such downtime. 
16.3    All products and services delivered to you through the Service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties, or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
16.4    We do not warrant that the quality of any products, Services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected. 
16.5    We do not accept responsibility for loss or damage due to any reasons, including viruses or malware to computer systems, mobile phones or other electronic devices arising in connection with use or access of the Service, website, email communications, and/or other related platforms. You agree to take your own precautions to ensure that the process that you employ for accessing the Service, website email communications, and/or other related platforms does not expose you to risk of viruses, malicious computer code or other forms of interference. 
16.6    We may include some fictional stories for illustration purposes, and we will endeavour to label the fictional stories published on our website and/or other related platforms. We are not responsible to you or any third-party for any loss, misunderstanding, or errors in connection with you failing to check or verify the categories of the information presented on our website and/or other related platforms. 
16.7    All fictional stories published on our website, print, or any other related platforms, including any social media channel, unless otherwise indicated, all the names, characters, business, places, events, and incidents are either the product of the author’s imagination or used in a fictitious manner. Any resemblance to actual persons, living or dead, or actual events is purely coincidental. We are not responsible to you or any third-party for any loss incurred in connection to the fictional stories and any other stories published on our Service, website, and/or other related platforms. We assume no responsibility for errors, inaccuracies, omissions, or any other inconsistencies in connection to the fictional stories and any other stories published on our Service, website, and/or other related platforms. 
16.8    We make no warranties or representations about this website, other related platforms and/or any information or materials contained on it and will not be responsible to you or any third-party for any direct or consequential loss suffered in connection with the use of this website, other related platforms and/or any information or materials contained on it. To the maximum extent permitted by law, we each exclude each other from any liability that may arise due to your use of this website, other related platforms and/or any information or materials contained on it.
16.9     We do not offer any promises or guarantees with regard to our Service, program, course and learning materials. We make no guarantees concerning the level of success you may experience by accessing the information, and following the recommendation contained in our Service, program or course, and you accept the risk that results will differ for everyone.
16.10    You acknowledge and agree that you are not guaranteed to achieve any specific, personal, professional, or financial outcomes or results by enrolling in our Service, program, or course. We make no promises, representations or warranties concerning the viability of any goals, aspirations or endeavours you may identify or choose to pursue during or as a result of completing the Service, program or course.
16.11    You agree to participate in our Service at your own risk and acknowledge that you are solely responsible for your actions and decisions that result from your engagement with the Service, program, course and/or learning materials. Your use of the information is at your own risk and any issues that occur are your responsibility.
16.12    You acknowledge and agree that you are solely and exclusively responsible for your own learning outcomes, and the choices that you make with regard to this Service, program, course, the learning materials contained within it, and/or any significant changes to your business or life.
16.13    We are not liable for any result or non-result or any consequences which may come about due to your participation and/or non-participation in the Service, program, and/or course. You acknowledge and agree that you are solely and exclusively responsible for your own mental health, physical health, business decisions, and any other actions or inaction you choose to take.
16.14    Our Services does not constitute a therapeutic relationship or a medical one. We do not provide therapy or medical services, and you are responsible for procuring these Services at your own will and discretion if needed. The Service, program, and/or course is a source of valuable information for you. However, it is not meant to be a substitute for direct expert assistance. If such level or assistance is required, the services of a competent professional should be sought.
16.15    The testimonials and examples may show exceptional results, which may not apply to everyone, and are not intended to represent or guarantee that you will achieve the same or similar results. You agree to make your own independent assessments and evaluations prior to relying on any information, testimonials, and recommendations, provided by us as part of our Service, program, and/or course.
16.16    For the delivery of the Service, and/or course that is entirely online, and you will be undertaking the Service, program, and/or course entirely unsupervised. You acknowledge and agree that you will be partaking the Service, and/or course on your own, and accept all responsibilities of your decision to undertake the Service.

17.    LIMITATION OF LIABILITY AND INDEMNIFICATION
17.1    You agree to indemnify, defend and hold harmless Story Reflection and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees harmless at any time from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
17.2    In no case shall Story Reflection, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the Service or any products procured using the Service, or for any other claim related in any way to your use of the Service or any product, including, but not limited to, any errors or omissions in any content, any unauthorised use of your account, or any loss or damage of any kind incurred as a result of the use of the Service or any content (or product) posted, transmitted, or otherwise made available on the website, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
17.3    To the maximum extent permitted by law, the total liability of each party in respect of loss or damage sustained by the other party in connection with this agreement is limited to the value of the fees paid in the latest invoice. This clause does not apply to your liability in respect of loss or damage sustained by us due to your breach of third-party intellectual property rights; any act, omission, communication, inaccuracy or error you caused in relation to the provision of the Services, and/or any failure to maintain confidentiality of information; your fraudulent use of the website and/or other related platforms; your negligent, wilful, fraudulent, and/or criminal act or omission.
17.4    We shall not be liable and responsible for (and neither you shall make any claim against us to recover any damage, cost, charge, expense, loss, or liability that you or any third-party incur due to the following reasons):
(a)    The exercise by it of any right or discretion of these Terms of Services;
(b)    Any failure or delay in the performance or delivery of the products or Services arising out of or in connection with circumstances beyond our reasonable control and/or force majeure;
(c)    The carrying out or default in carrying out of the Services except to the extent arising from gross negligence, wilful default, or fraud; and
(d)    Any indirect consequential economic loss or damage, whether foreseeable.
17.5    To the maximum extent permitted by law, neither party will be liable for any incidental, special or consequential loss or damages, or damages for loss of data, business or business opportunity, goodwill, anticipated savings, profits, or revenue in connection with this agreement or any goods or Services provided by us, except:
(a)    in relation to a party’s liability for fraud, personal injury, death or loss or damage to tangible property; or
(b)    to the extent this liability cannot be excluded under the law of each country and/or jurisdictions. 

18.    FORCE MAJEURE
18.1    We shall have no liability for any delay in performing, or failure to perform, any of its obligations hereunder or for losses of whatever kind and wherever occurring resulting from events, circumstances, or causes beyond its reasonable control or due to unforeseen circumstances to include, without limitation: 
(a)    acts of God, lightning strike, meteor strike, storm, landslide, flood, drought, earthquake, or other natural disaster, epidemic or pandemic, 
(b)    terrorist attack, civil war, civil commotion or riots, war, sabotage, blockade, revolution, riot, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, or breaking off of diplomatic relations, nuclear, chemical or biological contamination or sonic boom, 
(c)    any law or any action taken by a government or public authority,
(d)    collapse of buildings, fire, explosion, or accident, 
(e)    strikes or any labour or trade dispute, industrial action or lockouts,
(f)    non-performance or delay by suppliers or subcontractors (other than by companies in the same group as the party seeking to rely on this provision), 
(g)    interruption or failure of any utility service, computer or communication service failures, errors, omissions or distortions, and interruptions and/or delays in transmission of post or communications in any medium or format.

19.    TERMINATION, CANCELLATION, AND REFUND POLICY
19.1    The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes. 
19.2    These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our website and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof). 
19.3    Any fees payable in advance are not refundable in whole or in part should you terminate this agreement or Terms of Service for the provision of Services and/or terminate by any means, including change of mind, and/or move to another service provider, except for any reasons that is not excluded by law or consumer law in applicable jurisdictions based on your country of residence or jurisdictions. 
19.4    If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).
19.5     You acknowledge and agree that we may terminate this agreement, your certificate issued, your access to the Service, course, learning materials, website, and/or other related platforms if we found academic misconduct, including contract cheating, ghost writer, plagiarism, and any other act that is considered academic misconduct.
19.6    Your access to the Service will be automatically terminated whether or not the Service has been completed by the specified end date and whether or not you have accessed the Service, it will expire within a specified date indicated on the website. If you are required to undertake retake test for the Service or course, we may, at our absolute discretion, extend your access to the Service to complete the retake test.
19.7    Upon the termination of this agreement, we will terminate your access to the Service, course, learning materials, website, and/or other related platforms, and you agree to return and cease to use all property (including any materials that are no longer licensed to you) and confidential Information related to us, to the Service, program, course, learning materials, website, and/or other related platforms. Each party must comply with all obligations that are by their nature intended to survive the end of this agreement.
19.8    No refund for change of mind for Story Reflection Services and any additional fees, including application fees, deferment fees, retake fees, and/or any other additional fees incurred as part of your participation, registration, application, and enrolment to our Service.
19.9    We reserve the right to cancel your order or enrolment at any time for any reason and will notify you of this as soon as possible. If the cancellation is before the specified start date, and the payment has already been debited, the amount you paid (excluding any discounts previously claimed) will be credited back to your original method of payment. If the cancellation is after your specified start date, and the payment has already been debited, no refund will be given.
19.10    We may provide a whole or partial refund of the price paid for a module, course, or Service if we determine that any module, course, or Service you have ordered was not received by you solely due to failure by us, or a module, course, or Service provided to you was not substantially the same as the module, course, or Service you ordered as displayed on our website. We reserve the right to determine the recommended solutions or actions on this matter case by case basis on our absolute discretion.

20.    COMMUNICATION, REPORTING, AND NOTICES
20.1    We acknowledge, permitted, and accept electronic communications delivered by emails and other related digital platforms. We may encrypt email messages at our absolute discretion and without assuming any liability therefor subject to reaching agreement in writing to include encryption standards and/or protocols. 
20.2    The security of communication delivered through emails and other related digital platforms cannot be guaranteed because they are transmitted over a public network, and we shall have no liability in respect thereof. We shall not be liable for any misdirection, interception, corruption, or failure of any communication sent. 
20.3    We may monitor and/or record all communications including phone calls, emails, and other related digital platforms. You hereby agree to provide consent of such monitoring and/or recording for accuracy, security, quality assurance, and training purpose. We retain the ownership of such recordings, and we shall have the authority to deliver copies or transcripts of such recordings to any court, tribunal, arbitrator, or regulatory authority of competent jurisdiction as it sees fit and/or if it is required by law or any government officials. 
20.4    We deliver emails from two official domain, which is storyreflection.com and storyreflectionworld.com. If you received an email claimed to be from Story Reflection, but the email domain is different from the 2 (two) official email domains above, please do not respond to the email and contact us immediately via our official contact form on our website. We are not responsible to you or any third-party for any loss incurred in connection with you failing to verify our official email address.
20.5    Any messages, content, materials, or information delivered through the emails, and/or other related digital platforms is confidential and for the intended recipient only. If you receive any emails or other related communications that is not intended for you, you agree not to read, use, or disclose the contents of the messages or conversations, delete any messages or conversations that is not intended for you, and advise us immediately.
20.6    Any views or opinions presented in the email conversations and/or other digital platforms are between you and the specific sender or author. You acknowledge and agree that any views or opinions presented in the email conversations and/or other digital platforms from specific sender or author, including our employees is solely of those of the author and do not necessarily represent our business, company, or organisation. 
20.7    Our employees are expressly required not to make defamatory statements and not to infringe or authorise any infringement of copyright or any other legal right by email communications and/or other digital platforms. Any such communication is contrary to organisational policy and outside the scope of the employment of the individual concerned. The organisation shall have no liability or responsibility in respect of such communication, and the employee responsible will be personally liable for any damages or other liability arising.
20.8    We may deliver any messages or communications for marketing purposes when you subscribe to our newsletters, and you may unsubscribe by clicking the “unsubscribe” link provided in the email newsletters or marketing. You acknowledge and agree that by subscribing to our newsletters, you provide consent to us to deliver such emails until you decided to unsubscribe.
20.9    We may deliver automated emails through our website and/or other related platforms based on your interactions or actions performed on our website and/or other related platforms. You acknowledge and agree to provide consent for such emails and indemnify us for any loss caused by delay in the delivery, errors, or failure of delivery of the automated emails.
20.10    We will never ask for sensitive personal and financial information (such as passwords, or credit card numbers) in an email. If you receive such a request, please do not respond to the email, and do not click any of the links in the email. We shall not be liable or responsible to you or any third-party for any loss incurred in connection with you failing to verify the sender of the email.
20.11    If you become aware of misuse of the Service, website, emails, and/or other related platforms by any parties, or if you noticed any errors in the material or content on the Service, website, emails, and/or other related platforms, or if you have any difficulty in accessing or using the Service, website, emails, and/or other related platforms please contact us immediately using the contact details or form provided on our website.
20.12    We will provide a notice to you in writing and in English delivered from the email address regularly used by us to correspond regarding the subject matter of this agreement as the date of this agreement to the email address you provided to us upon the registration or as specified in your account. You acknowledge and agree to provide notice to us using the contact details or form provided on our website.
20.13    The parties may update their email address by notice to the other party. Unless the party sending the notice knows or reasonably ought to suspect that an email was not delivered to the other party’s email address, the notice will be taken to be given within 24 hours after the email was sent, unless that falls on a Saturday, Sunday or a public holiday in the state or territory whose laws govern this agreement, in which case the notice will be taken to be given on the next occurring business day in that countries or jurisdictions; or when replied to by the other party, whichever is earlier.

21.    DISPUTE RESOLUTIONS AND COMPLAINS
21.1    If a dispute arises, you must keep all communications and discussions about the dispute confidential. If you reveal the details of the dispute in public forums or any other websites, it will expose you to claims for defamation in addition to any claims related to the dispute. Any dispute and/or complains will be dealt with in accordance with our dispute and complaints procedures.
21.2    If the dispute cannot be resolved after both parties make a genuine and respectful efforts in good faith to participate cooperatively to resolve the disputes, both parties agree to obtain an independent professional mediator, arbitrator, or dispute resolution specialist at the own expense of each party or equal shared expense of both parties as agreed to make a determination on the dispute, follow the professional mediator, arbitrator, or dispute resolution specialist’s recommendations on the extend of mediation required, and when to stop mediation if the issue cannot be resolved. 
21.3    If mediation does not resolve the issue, both parties must engage with independent legal representation at their own expense to seek legal advice to resolve the dispute. Either party may at any time make an offer for settlement for the dispute. Both parties agreed that it is in their best interest to consider all genuine settlement offers and will use best endeavours to avoid litigation and reach a prompt settlement.

22.    ENTIRE AGREEMENT
22.1    These Terms of Service and any policies or operating rules posted by us on this website or in respect to the Service constitutes the entire agreement and understanding between you and us and governs your use of the Service, superseding any prior or contemporaneous agreements, communications, negotiation, conduct, proposals, arrangement, understanding or arrangement, express or implied in relation to the subject matter of this agreement, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service). Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party. The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

23.    GENERAL PROVISIONS
23.1    LANGUAGE: All communications made, or notices given pursuant to this Terms of Service shall be in the English language.
23.2    HEADINGS FOR CONVENIENCE ONLY: Headings of parts and sub-parts under this agreement are for convenience and organisation, only. Headings shall not affect the meaning of any provisions of this Terms of Service.
23.3    ASSIGNMENT: A party cannot assign, novate, or otherwise transfer any of its rights or obligations under this Terms of Service without the prior written consent of the other party. We may assign, novate, transfer, or otherwise encumber or dispose any of your rights under this Terms of Service by giving you notice in writing. 
23.4    JOINT VENTURE: In the event that an obligation or a liability assumed by, or a right conferred on, two or more persons binds or benefit them jointly and severally. No agency, partnership, or joint venture has been created between the parties as a result of this Terms of Services. No party has any authority to bind the other to third parties.
23.5    SEVERABILITY: In the event that any provision of these Terms of Service is determined to be wholly, or partially void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Services, and such determination shall not affect the validity and enforceability of any other remaining provisions.
23.6    WAIVER: No party to this agreement may rely on the words or conduct of any other party as a waiver of any right unless the waiver is in writing and signed by the party granting the waiver. In the event that we fail to enforce any provision of this agreement, this shall not constitute a waiver of any future enforcement of that provision or any other provision. Waiver of any part or sub-part of this agreement will not constitute a waiver of any other part or sub-part.
23.7    COSTS: Except as otherwise provided in this Terms of Service, each party must pay its own costs and expenses in connection with negotiating, preparing, executing, and performing this Terms of Service.
23.8    WARRANTIES: To the maximum extent permitted by applicable law, all express or implied representations and warranties not expressly stated in this Terms of Service are excluded. Nothing in this agreement is intended to limit the operation of any law, and/or consumer law in any countries or jurisdictions. 
23.9    GOVERNING LAW: These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Singapore. Each party irrevocably submits to the exclusive jurisdiction of the courts of Singapore and courts of appeal from them in respect of any proceedings arising out of or in connection with this agreement. Each party irrevocably waives any objection to the venue of any legal process on the basis that the process has been brought in an inconvenient forum.
23.10    INTERPRETATION:
(a)    “singular and plural” refers to words in the singular includes the plural (and vice versa);
(b)    “gender” refers to words indicating a gender includes the corresponding words of any other gender;
(c)    “defined terms” means if a word or phrase is given a defined meaning, any other part of speech or grammatical form of that word or phrase has a corresponding meaning;
(d)    “person” refers to “person” or “you” includes an individual, the estate of an individual, a corporation, an authority, an association, consortium or joint venture (whether incorporated or unincorporated), a partnership, a trust and any other entity;
(e)    “party” refers to a party includes that party’s executors, administrators, successors and permitted assigns, including persons taking by way of novation and, in the case of a trustee, includes any substituted or additional trustee;
(f)    “this Terms of Service” refers to a party, clause, paragraph, schedule, exhibit, attachment or annexure is a reference to a party, clause, paragraph, schedule, exhibit, attachment or annexure to or of this agreement, and a reference to this agreement includes all schedules, exhibits, attachments and annexures to it;
(g)    “document” refers to a document (including this agreement) is to that document as varied, novated, ratified or replaced from time to time;
(h)    “includes” refers to the word “includes” and similar words in any form is not a word of limitation;
(i)    “other related platforms” refers to other websites, learning management systems, webinar platforms, emails, social media channels, and any other digital platforms, softwares and/or applications utilised to provide the Service; and
(j)    “adverse interpretation” means no provision of this agreement and/or Terms of Service will be interpreted adversely to a party because that party was responsible for the preparation of this agreement or that provision.