elseco Asia Pte. Ltd.

Terms of Use

Last updated: October 2026

Please read these terms of use carefully before using this website

1. Application of terms

1.1 These Terms apply to your use of www.else.co/singapore (the “Website”). By accessing and using the Website:

(a) you agree to these Terms; and

(b) Where you access and use the Website on behalf of another person (e.g. a company), you confirm that you are authorised to, and do in fact, agree to these Terms on that person’s behalf and that, by agreeing to these Terms on that person’s behalf, that person is bound by these Terms.

1.2 If you do not agree to these Terms, you are not authorised to access and use the Website, and you must immediately stop doing so.

2. Changes

2.1 We may change these Terms at any time by updating them on the Website. Unless stated otherwise, any change takes effect immediately. You are responsible for ensuring you are familiar with the latest Terms. By continuing to access and use the Website, you agree to be bound by the changed Terms.

2.2 We may change, suspend, discontinue, or restrict access to the Website without notice or liability.

3. Definitions

In these Terms:

Including and similar words do not imply any limit.

Loss means any loss, damages, liability, demand, action, proceeding, cost or expense of any kind, whether direct or indirect, including loss of profits, savings, revenue, business opportunity or data, and any other cost, including legal costs.

Privacy Policy means our Privacy Policy published at www.else.co/privacy-singapore.

Terms means these terms and conditions titled Terms of Use.

Underlying System means any network, system, software, data or material that underlies or is connected to the Website.

We, us or our means elseco Asia Pte. Ltd., a company incorporated in Singapore (UEN 202622518M) whose registered address is 60 Paya Lebar Road, #07-45, Paya Lebar Square, Singapore 409051.

Website has the meaning given in clause 1.1.

You means you or, if clause 1.1(b) applies, both you and the other person on whose behalf you are acting.

4. Your obligations

4.1 You must:

(a) provide true, current and complete information in your dealings with us, including when completing and submitting the enquiry form, and update that information as required so that the information remains true, current and complete;

(b) not act in a way, or use or introduce anything (including any virus, worm, Trojan horse, time bomb, keystroke logger, spyware or other similar feature) that in any way compromises, or may compromise, the Website or any Underlying System, or otherwise attempt to damage or interfere with the Website or any Underlying System; and

(c) unless we agree otherwise, access the Website via standard web browsers only and not by any other method. Other methods include scraping, deep-linking, harvesting, data mining, using a robot or spider, automation, or any similar data-gathering, extraction, or monitoring method.

4.2 You must obtain our prior written permission to establish a link to the Website.

4.3 You indemnify us against all Loss we suffer or incur as a direct or indirect result of your failure to comply with these Terms.

5. Intellectual property

We (and our licensors) own all intellectual property rights in and to the Website, including all content, information, data, text, graphics, artwork, photographs, logos, icons, sound recordings, videos, the Website’s design and overall look and feel, and any other materials made available on or through the Website, as well as all intellectual property rights in and to the Underlying Systems (collectively, the “Content”).

You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use.

You must not modify any Content you have downloaded or extracted in any way, and you must not use any Content separately from any accompanying text.

Where you reproduce or use any Content, you must acknowledge us as the author or source of that Content, except in respect of user-generated content.

You must not use any part of the Website or the Content for commercial purposes without our prior written consent.

If you print off, copy, download, extract, share or repost any part of the Website in breach of these Terms, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the Website or its Content you have made (except that you are permitted to print off a copy of these Terms). We reserve the right to take any action and pursue any remedies available to us under applicable law in respect of any such breach, including seeking damages, compensation and injunctive relief, where available.

6. Disclaimers

6.1 We take reasonable care in maintaining the Website and providing its Content. However, to the extent permitted by law, we and our licensors shall not be liable for any Loss in connection with:

(a) any temporary unavailability of, interruption to, or delay in the operation of the Website or its Content;

(b) any error in, or omission from, any information made available through the Website;

(c) any exposure to viruses or other harmful components which may harm your computer system or expose you to fraud when you access or use the Website. To avoid doubt, you are responsible for ensuring the process by which you access and use the Website protects you from this; and

(d) any site linked from the Website. Any link on the Website to other sites does not imply any endorsement, approval or recommendation of, or responsibility for, those sites or their contents, operations, products or operators.

6.2 We make no representation or warranty that the Website is appropriate or available for use in all countries or that the Content satisfies the laws of all countries. You are responsible for ensuring that your access to and use of the Website is not illegal or prohibited, and for your own compliance with applicable local laws.

7. No advice, no cover and claims

7.1 The information on the Website is general only. It is not insurance advice and does not take into account your objectives, financial situation or needs.

7.2 Submitting an enquiry or form through the Website does not create a contract, bind cover or constitute an offer of cover.

8. Liability

8.1 To the extent permitted by law:

(a) you access and use the Website at your own risk; and

(b) we are not liable or responsible to you or any other person for any Loss under or in connection with these Terms, the Website, or your access and use of (or inability to access or use) the Website. This exclusion applies regardless of whether our liability or responsibility arises in contract, tort (including negligence), equity, breach of statutory duty, or otherwise.

8.2 Subject to any rights that cannot be excluded by law, nothing in these Terms has the effect of contracting out of any applicable consumer protection law that cannot be excluded. To the extent our liability cannot be excluded but can be limited, our liability is limited to SGD 100.

8.3 To the maximum extent permitted by law and only to the extent clauses 8.1 and 8.2 of these Terms do not apply, our total liability to you under or in connection with these Terms, or in connection with the Website, or your access and use of (or inability to access or use) the Website, must not exceed SGD 100.

9. Privacy

9.1 How we collect, use, disclose and protect your personal information, including our use of cookies, is set out in our Privacy Policy at www.else.co/privacy-singapore. The Privacy Policy should be read together with these Terms.

9.2 If there is any inconsistency between these Terms and the Privacy Policy about how we handle personal information, the Privacy Policy prevails.

10. Suspension and termination

10.1 Without prejudice to any other right or remedy available to us, if we consider that you have breached these Terms or we otherwise consider it appropriate, we may immediately, and without notice, suspend or terminate your access to the Website (or any part of it).

10.2 On suspension or termination, you must immediately cease using the Website and must not attempt to gain further access.

11. General

11.1 These Terms, and any dispute relating to these Terms or the Website, are governed by and must be interpreted in accordance with the law of Singapore. Each party submits to the non-exclusive jurisdiction of the Courts of Singapore in relation to any dispute connected with these Terms or the Website.

11.2 For us to waive a right under these Terms, the waiver must be in writing.

11.3 Clauses which, by their nature, are intended to survive termination of these Terms, including clauses 4.3, 5, 6, 7, 8 and 11.1, continue in force.

11.4 If any part or provision of these Terms is or becomes illegal, unenforceable, or invalid, that part or provision is deemed to be modified to the extent required to remedy the illegality, unenforceability or invalidity. If a modification is not possible, the part or provision must be treated for all purposes as severed from these Terms. The remainder of these Terms will be binding on you.

11.5 These Terms set out everything agreed by the parties relating to your use of the Website and supersede and cancel anything discussed, exchanged or agreed prior to you agreeing to these Terms. The parties have not relied on any representation, warranty or agreement relating to the Website that is not expressly set out in the Terms, and no such representation, warranty or agreement has any effect from the date you agreed to these Terms.