Terms and Conditions

This website, any web page, its services and contents (the "Website") hereof are provided by SMOU/SOS for your use. By accessing and using the Website, You agree to be bound by the Terms and Conditions below. Reference to these general terms of use should be made each time you access and use the Website.

The information and materials herein are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice.

The services described and/or offered in this website are strictly for SMOU/SOS's customers and members. 

The information and materials contained in or accessed through this website are provided on an "as is" and "as available" basis and are for preliminary and general information only and are subject to change at any time at the absolute discretion of SMOU/SOS.

Your eligibility for any particular products and services (including any online application where in-principle approval is given) is subjected to the final acceptance and confirmation by SMOU/SOS and at SMOU/SOS’s sole discretion, whose decision shall be final. SMOU/SOS shall in no event be liable for any damages, loss or expense including without limitation, direct indirect, special, or consequential damage or economic loss arising from or in connection with this products and services.

SMOU/SOS reserves its rights and may terminate or suspend any in-principle approval given at anytime at SMOU/SOS’s sole discretion as deem fit and without disclosing any reason whatsoever.

SMOU/SOS accepts no responsibility for any loss or damage direct or indirect occasioned to any person acting or refraining from any action as a result of any information, or any other services that may be accessed through this website.