Terms and Conditions

By accessing or using the Services, you (the "Users") agree to be bound by these Terms, which govern your access to, and use of the CMFAS.com.sg website (the "Services"), and any information, text, graphics, or other materials uploaded, downloaded, or appearing on the Services (collectively referred to as "Content").

User of Services
All right, title, and interest in and to the Services are and will remain the exclusive property of the Services and its licensors. The Services are protected by copyright, trademark, and other laws, of both the Republic of Singapore and foreign countries. Nothing in the Terms gives you a right to use the Services¡¯ trademarks, logos, domain names, and other distinctive brand features, and you may not use the same without our express written permission. Any feedback, comments, or suggestions ("Submission") you may provide regarding the Services is entirely voluntary and we will be free to use such Submission as we see fit and without any obligation to you. By making a Submission, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sub licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such Submission throughout the world in any media. You also grant us the right to use the name you submit in connection with such Submission.

The Services are always evolving and the form and nature of the Services may change from time to time without prior notice to you. In addition, the Services (or any features within the Services) may be terminated to you or to users generally and may not be able to provide you with prior notice. We also retain the right to create limits on use at our sole discretion at any time without prior notice to you.

In order to use certain Services, you will need to register at the website, create a username and provide certain information about yourself as prompted by the registration form, including a valid email address. We reserve the right to reclaim usernames that violate these Terms.

Rights
CMFAS.com.sg may modify, suspend, discontinue or restrict the use of any portion of the Site, including the availability of any portion of the Content at any time, without notice or liability, terminate any registration and/or membership and/or deny access to any person or user at any time for any reason.

Prohibition of Account Sharing
Sharing of one account by two or more entities constitutes a violation of the terms and is subject to immediate account suspension or termination without any refund or prior notice whatsoever.

Accuracy and Warranty of Information
4. While we use reasonable efforts to include accurate and up-to-date information on the Site, we make no warranties or representations as to the accuracy of the Content and assume no liability or responsibility for any error or omission in the Content.

Authorization to Represent or Act on Behalf
Users of the site are deemed to agree to allow CMFAS.com.sg and its agent to represent them when interfacing with examination bodies. This includes assuming their identities by logging on to IBF or SCI College website on behalf of them using credentials registered on CMFAS.com.sg.

Intellectual Property - Copyrights
Users are deemed to be aware of copyright laws and agree to not copy, duplicate, distribute, resell content on this website or otherwise engage in any act that constitutescopyright infringement, failing which they be liable for all loss and damages incurred by CMFAS.com.sg.

Privacy
We do not store any credit card information on our server and do not send or sell your information. For details, please refer to our Privacy Policy.

Images Used On The Site
All trademarks and logos belong to their respective owners. Users accept that images shown on the site depicting individuals can be stock images used for illustrative purposes and may not be belong to the actual individual the image intended represent.

Refund
CMFAS.com.sg operates a no-refund policy except in specific circumstances. Please refer to the Refund Policy for details.

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