Terms of Use


The term ‘I’, ‘me’, or ‘my’ refers to Yvonne Tay, the owner and operator of this website. The term ‘you’ refers to the user or viewer of this website.

1. General

  • 1.1    The content of this website is for your general information and use only. It is subject to change without notice.

  • 1.2    This website uses cookies to monitor browsing preferences. If you allow cookies to be used, certain personal information may be stored for use by third parties as detailed in my Privacy Policy.

2. Disclaimer of Warranties

  • 2.1    Neither I nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors, and I expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

  • 2.2    Your use of any information or materials on this website is entirely at your own risk, for which I shall not be liable. It is your responsibility to ensure that any products, services, or information available through this website meet your specific requirements.

3. Intellectual Property

  • 3.1   This website contains material that is owned by or licensed to me. This material includes, but is not limited to, the design, layout, look, appearance, and graphics. Reproduction is prohibited except in accordance with the copyright notice, which forms part of these terms and conditions.

  • 3.2    All trademarks reproduced in this website that are not my property or licensed to me are acknowledged on the website. Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.

4. Links to Other Websites

4.1    From time to time, this website may include links to other websites. These links are provided for your convenience to offer further information. They do not signify that I endorse the website(s). I have no responsibility for the content of the linked website(s).

5. Governing Law

5.1    Your use of this website and any dispute arising out of such use is subject to the laws of Singapore.