The products and services offered through, or by vlifestyle.com Pte Ltd ("vlifestyle") are subjected to the following Terms and Conditions. By using the products and services that vlifestyle provides, you are agreeing to be bound by, and to comply with, these Terms and Conditions and any other terms and conditions, or terms of service posted.

Please examine these Terms and conditions closely and direct any legal queries to:

Chief Executive Officer
vlifestyle.com Pte Ltd
545 Orchard Road
Far East Shopping Centre
#06-02 Singapore 238882

vlifestyle encourages you to exercise discretion while using the products and services to browse the Internet.

vlifestyle may produce automated search results or otherwise link you to sites containing information that some people may find inappropriate or offensive.

vlifestyle makes no representations concerning any effort to review the content of any of the sites listed in automated search results, web guides, or other directories, or of any of the sites otherwise linked to vlifestyle's web sites.

vlifestyle shall not be held responsible for the accuracy, copyright or trademark compliance, legality, or decency of material contained in sites listed in vlifestyle's search results or otherwise linked to the vlifestyle web sites or provided to the vlifestyle by third parties.

vlifestyle makes available certain information provided by third parties related to various professional fields such as medicine and law. vlifestyle does not give advice in any such fields and in no way endorses any of the information provided in this manner.

If you intend to use any such information, you should carefully re-read the relevant details set forth in the disclaimer of Warranties and Limitation of Liability.

All information made available through vlifestyle is made available subject to vlifestyle's terms and conditions, including the Disclaimer of Warranties and Limitation of Liability set forth above.

The e-commerce service is made available only to those users who are of the legal age of consent in their jurisdiction. You may not use the e-commerce service if you have not reached that age or, in any event, if you are less than eighteen (18) years old.

Users are obligated to submit information that is true, accurate, current, and complete. By accepting these Terms and Conditions, you represent and warrant that all such information submitted by you is true, accurate, current, and complete. Users are also required to maintain and update all such information in order to ensure that it remains true, accurate, current, and complete. Each time you update such information, you represent and warrant that such information is true, accurate, current, and complete.

By submitting an order to purchase any goods or services from individual Merchants, users are obligated to complete such transactions, subject to the individual Merchant's terms and conditions governing such transactions. Users are prohibited from submitting orders to purchase goods or services where they do not intend to complete such transactions.

Each user may use one password and may not use additional passwords. Each user is required to use his or her password for his or her own use only. Users may not permit others to use their passwords.

Users may not purchase goods or services that they are prohibited from purchasing or possessing by any law applicable to them in their jurisdictions. The responsibility for ensuring compliance with all applicable laws shall be the user's alone. By submitting an order to purchase goods or services, you represent and warrant that you have the legal right to purchase and possess such goods or services.

vlifestyle and its agents / clients do not charge users for their use of the e-commerce service. vlifestyle, however, does charge Merchants (clients) certain fees for operating online stores, including transactional fees. vlifestyle reserves the right to alter these fees from time to time, without notice.

vlifestyle has no partnership, joint venture, employer-employee, or franchiser-franchisee relationship with any Merchant accessible through the e-commerce service or with any user of the e-commerce service. vlifestyle cannot confirm that any particular Merchant is who that Merchant claims to be. Nor can vlifestyle confirm the truth or accuracy of any statements made by Merchants or control whether Merchants who post statements through the e-commerce service will act in accordance with those statements. vlifestyle will not get involved in any dispute between users of the Service and Merchants accessible through vlifestyle's e-commerce service, including but not limited to non-delivery of goods or services, faulty goods or services and unavailability of goods and services.

LIKE OTHER AREAS OF THE VLIFESTYLE NETWORK PRODUCTS AND SERVICES, YOUR USE OF VLIFESTYLE'S E-COMMERCE SERVICE IS SUBJECT TO THE CAPITALIZED LANGUAGE SET FORTH ABOVE REGARDING DISCLAIMERS OF WARRANTIES AND LIMITATION OF LIABILITY. PLEASE RE-READ THOSE PROVISIONS CAREFULLY.

As with all other aspects of the Products and Services, by using vlifestyle's e-commerce service, you hereby agree that you shall be responsible for all tax obligations and costs that arise from or relate to your use of the e-commerce service, including, without limitation, tax obligations and costs for any transactions that arise from or relate to your use of the e-commerce service.

By using the vlifestyle network you are hereby agreeing to release vlifestyle and its subsidiaries, affiliates, officers, and employees from any and all claims, demands, debts, obligations, damages (actual or consequential), costs, and expenses of any kind or nature whatsoever, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, that you may have against them arising out of or in any way related to such disputes and/or to the products and services.

By using vlifestyle web sites you agree to indemnify vlifestyle and its subsidiaries, affiliates, officers, and employees and hold them harmless from any and all claims and expenses, including attorney's fees.

You hereby agree to waive all laws that may limit the efficacy of such releases.

These terms and conditions constitute the entire agreement between the parties with respect to the subject matter contained herein and supersedes any other agreement, proposals and communications, written or oral, between vlifestyle's representations and you with respect to the subject matter hereof; except that any other terms and conditions located on any individual vlifestyle web site are incorporated herein by reference to the extent they do not conflict with these terms and conditions.

To the extent that any other terms and conditions or terms of service conflict with these Terms and Conditions, those other provisions shall control with respect to the use of the particular web site and any products or services available on or through the web site at which those other provisions may be found.

vlifestyle will promptly process and investigate notices of alleged infringement and will take appropriate actions under applicable intellectual property laws.

Upon receipt of notices alleging intellectual property laws, vlifestyle will act expeditiously to remove or disable access to any material claimed to be infringing or claimed to be the subject of infringing activity and will act expeditiously to remove or disable access to any reference or link to material or activity that is claimed to be infringing.

vlifestyle will terminate access for subscribers and account holders who are repeat infringers. Notices of claimed infringement should be directed to:

Chief Executive Officer
vlifestyle.com Pte Ltd
545 Orchard Road
Far East Shopping Centre
#06-02 Singapore 238882

vlifestyle makes available certain investment information from third party information providers (the "Information Providers"). Neither vlifestyle, nor any of its affiliates or its Information Providers, nor any of their respective officers, employees, directors, or agents:

a) pass on the merit of any of the investments or companies listed in this service or
b) endorses or sponsors any of the investments or companies listed in this service

If you intend to use any investment-related information accessed through this service, you should carefully re-read the relevant sections forth above in the disclaimer of Warranties and Limitation of Liability.

vlifestyle makes this information available subject to all of its Terms and Conditions, including the Disclaimer of Warranties and Limitation of Liability set forth above. This disclaimer of warranties and this limitation of liability shall apply to both vlifestyle and the nformation Providers.

Neither vlifestyle, nor the information providers shall be responsible for any investment losses incurred in reliance on information provided on the vlifestyle network when investing in risk-bearing securities.

The information and design of this service are owned by vlifestyle and/or the Information Providers. Except for single temporary copy in a single computer's memory or another fair use under applicable copyright laws, the information contained herein may not otherwise be used (distributed, rented, not copied, stored for subsequent use, performed, sublicensed, altered and so forth in whole or in part, in any manner) without vlifestyle and the information providers' express prior written consent.

a) Warranties

vlifestyle disclaims any responsibility for failure to store, the deletion of, untimely delivery, or misdelivery of, any information or material.

vlifestyle disclaims any responsibility for any harm resulting from downloading, or accessing any information or material through the products and services.

vlifestyle disclaims all liability, or responsibility for the completeness, content, legality, accuracy, reliability, operability or availability of information or material in the products and services.

Provided "as is," no warranties, or whatsoever, is attached to the products and services. All implied, express and statutory warranties, including the warranties of merchantability, fitness for a particular purpose, without limitation and non-infringement of proprietary rights, are expressly disclaimed to the fullest extent permitted by the law.

To the fullest extent permitted by the law, vlifestyle disclaims any warranties for the security, timeliness, reliability and performance of the products and services.

To the fullest extent permitted by the law, vlifestyle disclaims any warranties for other goods, or services received through

• advertised on the products and services, or received through any links provided in the products and services
• any information, or advice received through products and services, or through any links provided in the products and services

Similarly, vlifestyle disclaims, to the fullest extent permitted by the law, any warranties for any information, or advice obtained through the products and services.

Neither vlifestyle, nor the information providers shall be responsible for any investment losses incurred in reliance on information provided on the vlifestyle network when investing in risk-bearing securities.

You understand and agree that any material downloaded or otherwise obtained through the use of the products and services is done at your own discretion and risk. Henceforth, you will be solely responsible for any damages to your computer system or loss of data that results in the download of such material.

Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, the foregoing disclaimers may not apply to you insofar as they relate to implied warranties.

b) Directory

vlifestyle makes available certain content through the directory. The directory and its underlying content, are created entirely by other parties and are solely the responsibility of such other parties. Consequently, vlifestyle does not and cannot, warrant, or represent the truthfulness, accuracy and reliability of that content.

Neither vlifestyle, nor its agents shall be held liable for any typographical errors, technical inaccuracies, or inaccuracies in the links or any information in the open directory. However, periodically vlifestyle may attempt to verify the accuracy of information in the open directory.

vlifestyle disclaims all liability, or responsibility for the completeness, content, legality, accuracy, reliability, operability or availability of information or material in the products and services.

In addition, vlifestyle has no control over whether that content is of a nature that users will find tasteful, inoffensive and otherwise acceptable. Merely providing access to such content as a service to you, vlifestyle has no responsibility for such content.

Just as when you purchase a product or service in any setting, you should exercise appropriate discretion, good judgment and caution in accessing content on the open directory and in taking any actions based upon that content.

You bear all risk associated with any content that you access. Your accessing of any content through the open directory service is subject to your agreement to these terms and conditions. If you proceed to use the open directory, you thereby agree to be bound by these terms and conditions.

The relevant disclaimer set forth in Warranties and Limitation of Liability apply to the open directory as well.

c) regarding Pictures and Sounds

Almost all of the content which users locate by searching on vlifestyle is owned and served by entities other than vlifestyle. vlifestyle does not have the right to authorize you to publish or republish any photographs, images, or audio or video files accessed through the search services offered on the network.

vlifestyle provides you with the URL, or address of the content. Thus, this information may be used to determine the server of the Content.

If you intend to make use of any Content accessed through our site for commercial or noncommercial purposes, we strongly suggest that you contact the server of the content for permission to use the content.

Under no circumstances shall vlifestyle be liable to any user on account of that user's use or misuse of and reliance on the products and services. such limitation of liability shall apply to prevent recovery of exemplary, indirect, direct, special, incidental, consequential and punitive damages ¾ even if vlifestyle has been advised of the possibility of such damages.

Such limitation of liability shall apply whether the damages arise from

• use or misuse of and reliance on the products and services
• inability to use the products and services, or from the suspension, interruption, or termination of the products and services; including such damages incurred by third parties

Such limitation shall also apply with respect to damage

• incurred by reason of other services or goods received through or advertised on the products and services
• through any links provided in the products and services, as well as by reason of any information or advice received through or advertised on the products and services
• received through any links provided in the products and services

Such limitation shall apply, without limitation, to the costs of procurement of substitute goods or services, lost profits, or lost data. >

Such limitation shall apply with respect to the performance or non-performance of the products and services or any information or merchandise that appears on, or is linked or related in any way to, the vlifestyle network

Such limitation shall apply notwithstanding any failure of essential purpose of any limited remedy. Such limitation shall apply to the fullest extent permitted by law.

In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, the foregoing limitation may not apply to you.

Under no circumstances shall vlifestyle be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

The sites displayed as search results, otherwise linked to the vlifestyle web sites, or operated or provided to the vlifestyle by third parties are developed by people over whom vlifestyle exercises no control. The search results that appear from the catalogs indexed by vlifestyle spiders or web robots are automated, and vlifestyle cannot and does not screen the sites before including them in the catalogs from which such automated search results are gathered.

Accordingly, vlifestyle assumes no responsibility for the content of any site included in any search results or otherwise linked to the vlifestyle web sites. In instances where vlifestyle does review the sites that are displayed in directories, indices, and/or references, or where vlifestyle makes available directories, indices, and/or references of sites compiled by third parties, the content located at such sites was developed third parties.

vlifestyle occasionally receives requests from people to remove links from its catalogs. Although vlifestyle reserves the right to address such requests individually, the general approach that vlifestyle takes reflects the following:

• vlifestyle's catalogs consist of information that has been identified, indexed and compiled through an automated process with no advance review by human beings
• given the enormous volume of web site information added, deleted and changed on a frequent basis, vlifestyle cannot and does not screen anything made available through its catalogs
• in some instances, vlifestyle makes available directories, indices and references consisting of content that has been identified, indexed and compiled by humans

For each web site reflected in vlifestyle's catalogs, if either
a) a site owner restricts access to his or her web site, or
b) a site is taken down from the web, then, upon receipt of a request by the site owner in the first instance and either the site owner, or a third party in the second instance,
vlifestyle would remove the link to that site from its catalogs.

However, if the operator of the site does not take steps to prevent it, the automatic facilities used to create the catalogs are likely to find it and index it again in a relatively short amount of time.

vlifestyle reserves the right to modify the products and services from time to time, for any reason, and without notice, including the right to terminate the products and services.

vlifestyle reserves the right to modify these terms and conditions from time to time, without notice. Please review these terms and conditions from time to time so you will be apprised of any changes.

vlifestyle is a registered trademark mark vlifestyle.com Pte Ltd. All other marks that appear throughout the Products and Services belong to vlifestyle Inc, members of the vlifestyle Network, or the respective owners of such marks, and are protected by Singapore and international copyright and trademark laws. Any use of any of the marks appearing throughout the Products and Services without the express written consent of vlifestyle or the owner of the mark, as appropriate, is strictly prohibited

vlifestyle reserves the right to pursue any and all legal and equitable remedies against you should you violate these Terms and Conditions or any other rights belonging to the company. These, include without limitation, terminating any and all user accounts on vlifestyle web sites.

If vlifestyle should fail to enforce any right or provision in these Terms and Conditions, you agree that this failure does not constitute a waiver of such right or provision or of any other rights or provisions in these Terms and Conditions.

If a court should find that one or more rights or provisions set forth in these Terms and Conditions are invalid, you agree that the remainder of the Terms and Conditions shall be enforceable. Furthermore, to the extent permitted by law, the court shall give effect to the parties' intentions, as reflected in any such right or provision that has been declared invalid or unenforceable.

If you are aware of any violations of these Terms and Conditions, please report them to:

Vlifestyle.com Pte Ltd
545 Orchard Road
Far East Shopping Centre
#06-02 Singapore 238882

All legal issues arising from or related to the use of the products and services shall be construed in accordance with, and all questions with respect thereto shall be determined by, the laws of the Republic of Singapore, unless expressly stated to the contrary elsewhere within the products and services.

Any controversy or claim arising out of or relating to these terms and conditions or any user's use of the products and services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the Singapore International Arbitration Centre.

Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Singapore and judgment on the arbitration award must be entered into in a Singapore court.

Except as set forth above, the courts of the Republic of Singapore shall be the exclusive forum and venue to resolve disputes arising out of or relating to these terms and conditions or any user's use of the products and services.