Disclaimer:

While the Zacobria Pte. Ltd. believes that information and guidance provided is correct, parties must rely upon their skill and judgement when making use of them. Zacobria Pte. Ltd. assumes no liability for loss or damage caused by error or omission, whether such an error or omission is the result of negligence or any other cause. Where reference is made to legislation it is not to be considered as legal advice. Any and all such liability is disclaimed. If you need specific advice (for example, medical, legal, financial or risk management), please seek a professional who is licensed or knowledgeable in that area.

The information contained in this website is for general information purposes only. The information is provided by Zacobria Pte. Ltd. and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Every effort is made to keep the website up and running smoothly. However Zacobria Pte. Ltd. takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.


Links from this Web Site to other web sites.
Through this website you are able to link to other websites which are not under the control of Zacobria Pte. Ltd. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Hyperlinks to other web sites are provided as a convenience. In no circumstances shall Zacobria Pte. Ltd. be considered to be associated or affiliated with any trade or service marks, logos, insignia or other devices used or appearing on web sites to which this Web Site is linked.

Governing Law.
These Terms of Use shall be governed and construed in accordance with laws of the Republic of Singapore.

Privacy & Cookie Policy:

Please read this policy carefully before using this Site because it explains how we will process personal data and how we use cookies. Using this Site indicates that you accept this policy. If you do not accept the content of this policy, do not use this Site.

1. Types of data being processed / links to other websites.
We care about your privacy. Via this we do not collect or process any personal data with the exception of information collected via cookies as explained below in this policy.

This Site can also contain links to other websites, other affiliated companies or social media websites. When you click on such a link to any of such other sites or third party websites, please be aware that these websites have their own data privacy policies. Please check their privacy policies when using these websites.

Please be informed that we cannot accept any responsibility or liability for third party websites.

2. Collection and use of information.
For optimizing this Site in terms of system-performance, usability and providing useful information about our products and services, we automatically gather and store information in log files on your computer. This includes your Internet Protocol (IP) address, browser type and language setting, operating system, internet service provider (ISP) and the date/time stamp.

We use this information to manage the Site efficiently, learn more about our users’ behaviours across the Site, analyze trends and gather demographic data about our users as a whole. The information collected may be used for our marketing and advertising services and communications (for example optimizing and improving the user experience, providing more attractive special offers and services).

If we use non-personal information together with Personal Data, this information is treated as Personal Data for as long as it remains combined

3. Use of cookies.
This Site, email messaging, online services, advertisements and interactive applications may use “cookies” for optimizing our services.

What is a "cookie"?

A “cookie” is a small file, typically of letters and numbers that we send to the cookie file of the browser on your computer’s hard disk by our web server. This for example allows our website to recognize a user’s device when a connection has been established between the web server and the web browser. The main purpose of a cookie is to allow our web server to present the user with customized web pages that make the experience when visiting our website more personal and better responding to the user’s individual needs.

What kind of cookies does this Site use?
We may use two types of cookies on this Site:

Session cookies: these are temporary cookies that are stored in the cookie file of your browser until you end your browser session. Those cookies are mandatory for this Site to work properly.

Persistent cookies: we may use persistent cookies for a better user experience (e.g. providing optimized navigation).

Those cookies remain in the cookie file of your browser for a longer period. This time period will depend on the choice you make in the settings of your internet browser. Persistent cookies allow information to be passed to a web server each time someone visits the site. Persistent cookies are also known as tracking cookies.

There are many on-line publications on cookies in case you want to read more. See for example: http://www.allaboutcookies.org

4. Third party cookies.
We may use third party advertisers to serve advertisements and to optimize our marketing communication. Third-party advertisers use cookies to measure the effectiveness of the ads and to personalize advertising content. Information that is collected by third party advertisers may include data such as geo-location data (as derived from the IP-address) or contact details such as email address when this would be collected via this Site.

5. Web beacons and pixels.
This Site contains web beacons (also called: “pixel tags”). A web beacon is an often-transparent graphic image, usually no larger than 1 pixel x 1 pixel that is placed on a website or in an e-mail that is used to monitor the on-line behaviour of the user visiting the web site or sending the e-mail. Web beacons are used by third-party technologies, to monitor the activity of the users to our Site. It allows tracking which computer accessed a certain website, when and from where (country/city level).

6. Tracking and Analysis.
For a continuous optimization of marketing communication we use an analytical software function. It allows for tracking on-line behaviour in terms of time, geographic location and usage of this Site. This information is collected via tracking pixels and/or cookies. The information gained via tracking pixels and/or cookies is anonymous and will not be connected to personal data. All information that is necessary for this analysis is stored on servers. We do not share this information with any third party for its independent use.

7. Enabling and disabling cookies and similar technologies.
You have the ability to accept or decline all cookies on all the websites you visit by changing the settings in your internet browser. For example when you use Internet Explorer version 8.0 you must do the following: 1. choose Tools followed by Internet Options 2. click the tab Privacy 3. use the slider to choose the settings you prefer.

For other internet browsers please refer to your browser instructions to learn more about how to modify your browser settings or how to delete cookies.

Please note that certain features and the full functionality of this Site will not be available once cookies are disabled.

8. Changes of our privacy policy.
Any future changes of our privacy policy will be posted on this page. Please regularly check our privacy policy for any updates or changes.

Contacting us.
If you have any questions, comments and requests regarding this privacy policy, please contact us at the address stated on the Contact page.