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Effective Date: 25th August, 2023

Welcome to YNBC and its affiliated websites or applications (collectively referred to as the "Site"). Please carefully review and understand these Terms of Use ("Terms") before accessing or using this Site. By accessing or using the Site, you agree to abide by these Terms. YNBC retains the right to amend these Terms at any time without prior notice, so please check them regularly. The most recent update to these Terms was made on 25.08.2023. To learn about YNBC's data collection and usage practices, please consult our Privacy Policy.

1. Copyrights

All the content and features on this Site, encompassing but not limited to text, graphics, logos, icons, images, videos, and any underlying concepts, knowledge, tools, frameworks, software, applications, technology, algorithms, models, processes, and industry perspectives (collectively known as the "Site Content"), are the exclusive property of YNBC or its licensors and are protected by applicable copyright laws, both in Singapore and internationally. You are prohibited from copying, reproducing, modifying, reverse engineering, altering, uploading, publishing, transmitting, distributing, or posting the Site Content in any manner without prior written permission from YNBC, except as explicitly permitted in Section 3 below. All rights not expressly granted are reserved.

2. Trademarks

The trademarks, service marks, designs, and logos displayed on the Site (collectively referred to as the "Trademarks") are the registered and unregistered trademarks of YNBC and its licensors. You are not allowed to reference or attribute any information to YNBC or its licensors in any public medium (e.g., press releases, websites, or public social media) for advertising or promotional purposes or to inform or influence any third party, except as expressly permitted by YNBC.

3. Use of Site Content

YNBC grants you a limited, non-exclusive, non-transferable, revocable license to access, download, display, and print one copy of the Site Content on a single computer for your internal, business use, provided you do not modify the Site Content, retain all copyright and proprietary notices, and adhere to these Terms. You may not reproduce, modify, reverse engineer, distribute, transmit, post, or disclose the Site Content without YNBC's prior written consent. "Mirroring" the Site Content or any portion thereof is not permitted without YNBC's express written consent. This license automatically terminates if you do not comply with these Terms.

4. User Postings

By posting or publishing any information on the Site, including but not limited to postings, forums, message boards, questionnaires, survey responses, or other submissions, you acknowledge and agree that YNBC shall have the unrestricted right to use, publish, and exploit such information worldwide for any purpose and in any form or media not prohibited by applicable law. You hereby grant YNBC a worldwide, non-exclusive, transferable, assignable, sublicensable, fully paid-up, royalty-free, perpetual, irrevocable license and right to use, reproduce, publish, distribute, modify, and exploit such submissions. You waive any claims against YNBC related to the use and publication of such submissions. You agree not to post materials that are threatening, libelous, defamatory, obscene, illegal, infringe on intellectual property rights, contain viruses, constitute false statements, or violate these Terms.

5. Notices of Infringement and Takedown by YNBC

YNBC prohibits the posting of information that infringes on the copyright or other intellectual property rights of any person or entity. If you believe that your intellectual property rights have been infringed upon by content on the Site, please contact YNBC at the following address: [Insert Contact Information]. Your notice should include the required information outlined in applicable law. YNBC will take appropriate actions in accordance with applicable laws.

6. Disclaimers

The Site's content and functionality are provided "as is" without warranties of any kind, either express or implied. YNBC does not provide professional advice or services through this Site. Site Content is not intended as investment, legal, tax, accounting, or other regulated advice. You acknowledge that your reliance on Site Content is at your sole discretion and risk. YNBC and its third-party content providers make no warranties or representations regarding the ownership, accuracy, or adequacy of the Site Content. YNBC and its third-party content providers are not liable for indirect, incidental, consequential, or punitive damages or losses, including lost revenues or profits, arising from the use of the Site.

7. Indemnification

You agree to indemnify and hold harmless YNBC and its affiliates, officers, directors, employees, agents, and representatives from any liability, expenses, costs, or other losses arising out of your use of the Site or any breach of these Terms.

8. Third-party Websites & Providers

The Site may provide links to third-party websites or incorporate content provided by third parties. YNBC is not responsible for the content on third-party websites, and your use of such websites is subject to the terms of use and privacy policies of those third-party providers.

9. Governing Law and Jurisdiction

These Terms are governed by the laws of Singapore. Any disputes arising from or relating to these Terms or the use of the Site shall be subject to the exclusive jurisdiction of the courts in Singapore.

If you have any questions or concerns about these Terms of Use, please contact us at

Terms of Use

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