AGREEMENT TO THESE TERMS.
This is a binding legal agreement between you and Prudential governing your access and/or use of this website. You must read these terms in their entirety.
Your access or use of this website constitutes your agreement to be bound by these Terms and Conditions without limitation or qualification, which include any restrictions posted on website pages and any changes that may exist when you re-access our website. If you do not agree with these Terms and Conditions, do not use this site. Discontinuing use of this site shall not modify any Terms and Conditions that apply to prior uses.
AGREEMENT TO CHANGES AND UPDATES
Prudential may, from time to time, and in our sole discretion, modify these Terms and Conditions without prior notice to you, including imposing charges for any features or services. The modified Terms and Conditions will be effective immediately upon posting on the website. You agree to the new posted Terms and Conditions by continuing your use of the Services. You agree to review the Terms and Conditions whenever you access or re-access this site. If you do not agree with the modified Terms and Conditions, your only remedy is to discontinue using the Services.
WEBSITE OWNERSHIP AND INTELLECTUAL PROPERTY RIGHTS
This website is owned and operated by Prudential, its parents, affiliated companies and the content that appears on and is contained in this website that is not owned or created by Prudential is the intellectual property of parties that have granted us specific usage authorizations own the materials displayed on and contained within the website, including without limitation, information, content, editorial materials, advertisements, articles , images, text, tools, graphics, photographs, sound, illustrations, artwork, links, software, code, messages, communications, organization, designs, structures, compilations, libraries, magnetic translations, digital conversions, names, logos, trademarks, service marks, design elements, data, files, clips (audio and video clips), materials code and software (collectively, "Content"). The Content is protected by Copyrights, trademarks, trade names, service marks and names and other proprietary rights and laws.
RESTRICTIONS ON USE
Use of this website or of any Content for any purpose not expressly permitted herein is prohibited. Visitors may not copy, download, reproduce, republish, upload, post, webcast, podcast, transmit, distribute, sell, license, rent, publicly display or perform, edit, store, re-use, adapt, translate, incorporate or create a derivative work of, in any manner, any Content. Without limiting the restrictions in the preceding sentence, any copies that you make of the Content must retain all copyrights, trademarks, service marks and other proprietary notices and credit lines appearing with or on the site Content. Visitors may print or download the Content from this site only for personal, non-commercial use. Any use for commercial purposes is strictly prohibited. You do not acquire any ownership rights to any Content through your access to, or use of, this website or the Content. You must comply with all applicable laws and regulations and all applicable copyright, trademark, and other legal notices, information, and restrictions contained in, attached to, or associated with, the Content.
The Services are not intended to be used by children without involvement and approval of a parent or guardian. If you are under the age of 13, you are not permitted to subscribe to the Services or provide your personal information to Prudential. If you are at least 13 and under 18 years of age, you may subscribe to the Services only if you have the consent of your parent or guardian.
You agree to use the website and the Content only for their intended purposes, and you shall not, without limitation:
Modify, decompile, reverse engineer, recreate, disassemble, or otherwise attempt to determine the makeup or source code of the website or the Content, interrupt, destroy, alter, damage, delay or limit the functionality or integrity of this website or Content, including any associated software or hardware or make any unauthorized changes to the website or the Content;
Modify, enhance, remove, interfere with, or otherwise alter in any way any portion of the Video Player, its underlying technology, any digital rights management mechanism, device, or other content protection or access control measure incorporated into the Video Player. This restriction includes, without limitation, disabling, reverse engineering, modifying, interfering with or otherwise circumventing the Video Player in any manner that enables users to view the Content without: (i) displaying visibly both the Video Player and all surrounding elements (including the graphical user interface, any advertising, copyright notices, and trademarks) of the webpage where the Video Player is located; and (ii) having full access to all functionality of the Video Player, including, without limitation, all video quality and display functionality and all interactive, elective, or click-through advertising functionality.
Directly or through the use of any device, software, internet site, web-based service, or other means, circumvent, remove, deactivate, alter, degrade or thwart any security related features of the Service or features that (i) prevent or restrict use or copying of Content or (ii) enforce limitations on use of the Service or the content accessible via the Service or Copyright, trademark, or other proprietary notices marked on the Content;
Reproduce, display or otherwise provide access to the Services, website Content, or Third Party User Content on another website or server, for example through framing, embedding, mirroring, linking, spidering, scraping or any other technological means (including any technology available in the future), without prior written permission;
Access Content through any technology or means other than the video playback pages of the Website itself, or such other means as may be explicitly designated for this purpose;
Use or launch any automated system (including, without limitation, any robot, spider or offline reader) that accesses the Service in a manner that sends more request messages to the website servers in a given period of time than a human can reasonably produce in the same period by using a publicly available, standard (i.e. not modified) web browser;
Access Content or any reason other than your personal, non-commercial use solely as intended through and permitted by the normal functionality of the Service, and solely for Streaming. "Streaming" means a contemporaneous digital transmission of the material via the Internet to a user operated Internet enabled device in such a manner that the data is intended for real-time viewing and not intended to be downloaded (either permanently or temporarily), copied, stored, or redistributed by the user;
Collect or harvest any personal data of any user of the website or any Service;
Use the website or the Services (including the comments and email features in the Website) for the solicitation of business in the course of trade or in connection with a commercial enterprise;
Solicit, for commercial purposes, any users of the website with respect to their Content;
Embarrass, defame, slander, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
Use the website or the Content to publish, transmit, copy, reproduce, e-mail, post, upload, distribute, or disseminate any inappropriate, profane, vulgar, pornographic, sexually explicit, racist, libelous, false, defamatory, infringing, obscene, indecent, offensive, violent, hateful, disparaging, abusive, false or misleading, unlawful, or objectionable topic, name, material, or information;
Frame the website or the Content, display the website or the Content in connection with an unauthorized logo or mark, or do anything that could falsely suggest a relationship between Prudential and any third party or potentially deprive Prudential of revenue (including revenue from advertising, branding, or promotional activities);
Upload files that infringe on any patent, trademark, trade name, service mark or name, copyright, trade secret, rights of privacy of publicity, or other proprietary right;
Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer;
Conduct or forward surveys, contests, pyramid schemes, chain letters, junk mail, spam, unsolicited e-mail, or any advertising, promotional, or unauthorized communication except to the extent expressly contemplated by the Services;
Run Maillist, Listserv, any form of auto-responder on, or with respect to, the website or the Content, or any processes that run or are activated while you are not logged in;
Falsify or delete any author attributions, legal, or other proper notices or proprietary designations or labels of the origin or source of software, or other material contained in a file that is uploaded; or manipulate identifier or numeric information to disguise the origin of any visitor, device, material, Content or other information;
Impersonate another person or entity or use any fake name or identity;
Allow any other person or entity to use your identification for posting or viewing comments;
Restrict or inhibit any other user from using and enjoying the website or the Content;
Violate any code of conduct or other guidelines that may be applicable to the website or the Content;
Harvest or otherwise collect information about others, without their prior, express, and written consent;
Post or transmit, or cause to be posted or transmitted, any communication or solicitation designed or intended to obtain password, account, or private information from anyone;
Use any part of the website or the Content to violate the security of any computer network, crack passwords or security encryption codes, transfer or store material that is deemed threatening or obscene, or engage in any kind of illegal activity;
Access or use the website or the Content through an interface other than the interface;
Link to the website or the Content from another; or
Violate any applicable laws or regulations or rights, including intellectual property, privacy, or publicity rights.
Where Prudential has incorporated an embed option in connection with Content on the Services, you may embed videos using the Video Player, provided you do not embed the Video Player on any website or other location that (i) contains or hosts content that is unlawful, infringing, pornographic, obscene, defamatory, libellous, threatening, harassing, vulgar, indecent, profane, hateful, racially or ethnically offensive, encourages criminal conduct, gives rise to civil liability, violates any law, rule, or regulation, infringes any right of any third party including intellectual property rights, or is otherwise inappropriate or objectionable (in Prudential’s sole discretion), or (ii) links to infringing or unauthorized content (collectively, "Unsuitable Material"). You may not embed the Video Player into any hardware or software application, even for non-commercial purposes. Prudential reserves the right to prevent embedding to any website or other location that is found inappropriate or objectionable (as determined in its sole discretion).
You are responsible for all of your acts or omissions in connection with, relating to, and arising out of, the website and the Content. You shall use the website and the Content in a manner consistent with all applicable laws and regulations. Prudential shall have no duty to, and shall not investigate, your use or your right to use or access the website or the Content.
In the event such breach occurs, Prudential will report the breach to the relevant law enforcement authorities and appropriate legal action will be taken.
By posting, uploading, inputting, providing, or submitting information or materials to or through the Website (collectively the "Submissions"), you represent and warrant that you own or otherwise control all of the rights to such Submissions (including the right to grant the rights granted by you in this section) and grant to Prudential and Prudential's owners, parents, subsidiaries, affiliates, and partners an irrevocable, worldwide, transferable, perpetual, royalty-free, and fully paid-up license in and to the Submissions. Such permission includes the rights to use, distribute, edit, display, archive, publish, sublicense, perform, reproduce, make available, transmit, broadcast, sell, repurpose, translate, and create derivative works of the Submissions in any form, media, software, or technology of any kind now known or developed in the future, including for the purpose or purposes of developing, manufacturing, and marketing products. You waive any moral rights you may have in or to the Submissions. No compensation shall be paid to you with respect to the Submissions.
You further represent and warrant that the Submissions do not infringe any rights whatsoever of any third party. Although Prudential has no obligation to monitor the Submissions, Prudential reserves the right to review the Submissions at any time and from time to time and to refuse to post and to remove any Submission or such other materials in Prudential's sole discretion (regardless of the reason).
You are responsible for obtaining and maintaining all resources needed to connect to, access and use the website and the Content, including hardware devices, software, and other Internet, wireless, broadband, phone, or other communication devices and connection services (collectively the "Resources"). You are also responsible for, and Prudential makes no representations, warranties, guarantees, or assurances as to, the compatibility of your Resources with the website and the Content and for charges incurred in connection with your use and possession of the Resources. You should check with your applicable carriers to determine whether any limitations shall preclude or otherwise affect your use of the website or the Content.
You acknowledge and agree that, depending on your Resources and/or Resource provider(s), some or all of the website and Content may not be available to you. Prudential shall not be responsible for any damage to, or loss of, any Resource. You shall ensure that the Resources do not interfere with the operation of the website or Content. Prudential reserves the right to disconnect and terminate the website and the Content if any Resource is found to be causing any such interference. You are responsible for enabling features and functions of the Resources that are required to use some or all of the website and the Content.
You may require Internet access and/or appropriate telecommunication links, which must be obtained from your service provider. You are responsible for obtaining and paying for such additional services to access the website and Content, including without limitation all usage charges related thereto. Prudential shall not be liable for any telephone costs, telecommunication costs, or other costs related to your access or use the website or the Content that you may incur.
Prudential may, without liability to you, take any of the following actions in sole discretion at any time and for any reason without giving you prior notice:
(a) Restrict, suspend, deny, or terminate your access to the website and the Content at any time for any reason or for no reason. In particular, and without limitation, Prudential may restrict, suspend, or terminate your access to the website and the Content upon your non-compliance (or threatened non-compliance) with these Terms and Conditions or if you violate (or threaten to violate) rights or the rights of any other party;
(b) Change, modify, suspend, or discontinue the website and the Content and the website's and the Content's respective features and functionality, in whole or in part;
(c) Deactivate your accounts (if any) and delete all related information and files in your accounts (if any);
Prudential shall not be liable to you or any third party for taking any of the actions in this section and shall not be limited to the remedies described in this section if you violate these Terms and Conditions or threaten to violate these Terms and Conditions.
No Endorsement of Third Party Sites
No Medical Advice
This website and the Content are provided for informational purposes only and are not meant to substitute for the advice provided by a doctor or other health care professional, and should not be construed to be the rendering of medical or related advice. You are, instead, responsible for obtaining your own competent medical advice from qualified providers at your own expense. You must not use the information available on or through the website (including information that may be provided on the website by wellness, healthcare or nutrition professionals employed by, or contracting with Prudential) for diagnosing or treating a health problem or disease or for prescribing any medication. INFORMATION PROVIDED ON OR THROUGH THE WEBSITE OR THE CONTENT AND THE USE OF ANY PRODUCTS OR SERVICES PURCHASED FROM OR THROUGH THE WEBSITE OR THE CONTENT BY YOU DOES NOT CONSTITUTE A DOCTOR-PATIENT RELATIONSHIP BETWEEN YOU AND ANY OF THE HEALTHCARE OR NUTRITION PROFESSIONALS EMPLOYED OR AFFILIATED WITH BNM OR THE WEBSITE.
Prudential, and each of its licensors, service providers and suppliers, disclaim all liability for any inaccurate, delayed or incomplete information, and for any actions taken in reliance thereon. The information contained on the Website provided by any third party, including, without limitation, the information obtained through any link, has been supplied without verification by us. Prudential does not guarantee the accuracy, integrity, or quality of any Submissions or other user content or that such content will be entirely free of illegal, offensive, or otherwise inappropriate material or that users of the Website will not encounter inappropriate or illegal conduct from others.
PRUDENTIAL DOES NOT WARRANT OR GUARANTEE THAT (i) THE WEBSITE OR THE CONTENT, OR ANY OF THEIR RESPECTIVE FEATURES OR FUNCTIONS, SHALL BE UNINTERRUPTED OR ERROR-FREE, (ii) DEFECTS SHALL BE CORRECTED, (iii) THE WEBSITE THE CONTENT OR THE SERVERS HOSTING THEM ARE FREE OF VIRUSES OR OTHER HARMFUL CODE, (iv) THE WEBSITE, THE CONTENT, OR THE INFORMATION AVAILABLE THROUGH THEM SHALL CONTINUE TO BE AVAILABLE, OR (v) ANY SPECIFIC RESULTS FROM USE OF THE WEBSITE OR THE CONTENT. PRUDENTIAL DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES OR CONDITIONS, INCLUDING RELATING TO ACCURACY, TIMELINESS, COMPLETENESS, NON-INFRINGEMENT, SATISFACTORY QUALITY, MERCHANTABILITY, MERCHANTABLE QUALITY OR FITNESS FOR ANY PARTICULAR PURPOSE OR THOSE ARISING BY LAW, STATUTE, USAGE OF TRADE, OR COURSE OF DEALING. THE WEBSITE AND THE CONTENT, AND ALL FEATURES AND FUNCTIONS MADE AVAILABLE ON, ACCESSED THROUGH, OR SENT FROM, THE WEBSITE AND THE CONTENT, ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" AND MAY INCLUDE TECHNICAL OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS.
YOUR ACCESS TO, AND USE OF, THE WEBSITE AND THE CONTENT IS AT YOUR RISK. IF YOU ARE DISSATISFIED WITH THE WEBSITE OR THE CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESSING AND USING THE WEBSITE AND THE CONTENT. IN NO EVENT SHALL PRUDENTIAL BE LIABLE FOR ANY LOSS OR CORRUPTION OF DATA, AND HAS NO RESPONSIBILITY OR LIABILITY FOR THE DELETION OR FAILURE TO STORE ANY INFORMATION OR DATA AND OTHER COMMUNICATIONS OR OTHER CONTENT MAINTAINED OR TRANSMITTED BY OR THROUGH THE WEBSITE OR THE SERVICES.
Under no circumstances shall Prudential be liable regardless of the form of action for any failure of performance, system, server or connection failure, error, omission, interruption, breach of security, virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your accessing this WEBSITE and the content, even if Prudential had been advised as to the possibility.
YOU ACKNOWLEDGE AND AGREE THAT IF YOU INCUR ANY DAMAGES WHICH ARISE OUT OF, OR RELATE TO, PRUDENTIAL’S ACTS OR OMISSIONS, THE DAMAGES, IF ANY, ARE NOT IRREPARABLE AND ARE NOT SUFFICIENT TO ENTITLE YOU TO AN INJUNCTION OR OTHER EQUITABLE RELIEF RESTRICTING EXPLOITATION OF ANY WEBSITE, PROPERTY, PRODUCT, PROGRAM, OR CONTENT OWNED OR CONTROLLED BY BNM, INCLUDING THE WEBSITE AND THE CONTENT (INCLUDING THOSE INCORPORATING YOUR SUBMISSIONS).
Limitations of Liability
NEITHER PRUDENTIAL NOR ITS, PARENTS, SUBSIDIARIES, AFFILIATES, PARTNERS, SHAREHOLDERS, MEMBERS, MANAGERS, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, INFORMATION PROVIDERS, SUPPLIERS, AGENTS, REPRESENTATIVES, OR ATTORNEYS SHALL, UNDER ANY CIRCUMSTANCES, BE LIABLE OR HAVE RESPONSIBILITY FOR ANY LOSS, HARM OR DAMAGE THAT RESULTS OR OCCURS FROM (i) USE OF OR ACCESS TO THIS WEBSITE OR CONTENT POSTED ON THIS WEBSITE; (ii)ANY FAILURE OR INTERRUPTION OF THIS WEBSITE; (iii) Any act or omission of any service provider or agent involved in making this website or the content available to visitors; (iv) any other cause related to a visitor's access or use, or inability to access or use, any portion of this website or content; (v) any content, materials, information, advice or opinions posted or uploaded on this website, including any visitor reliance on such information; (vi) any security breach or any virus, bug, tampering, unauthorized intervention, fraud, error, inaccuracy, defect or technical malfunctions; or (viii) any visitor's failure to comply with these Terms and Conditions, whether or not the circumstances giving rise to such cause may have been within the control of the website. In no event will PRUDENTIAL NOR ITS OWNERS, PARENTS, SUBSIDIARIES, AFFILIATES, PARTNERS, SHAREHOLDERS, MEMBERS, MANAGERS, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, INFORMATION PROVIDERS, SUPPLIERS, AGENTS, REPRESENTATIVES, OR ATTORNEYS be liable to any visitor for any DIRECT, CONSEQUENTIAL, INCIDENTAL, INDIRECT, OR SPECIAL DAMAGES OF ANY KIND, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING THOSE ARISING FROM ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON THE WEBSITE OR CONTENT OR THOSE RESULTING FROM LOSS OF USE, DATA, OR PROFITS, WHETHER RESULTING FROM THE USE OF OR INABILITY TO USE THE WEBSITE OR THE CONTENT (OR A THIRD PARTY SITE LINKED TO THE WEBSITE), OR ANY OTHER CAUSE; AND EVEN IF CAUSED BY THE NEGLIGENCE OF PRUDENTIAL OR BY THE NEGLIGENCE OF PRUDENTIAL'S RESPECTIVE LICENSORS, SERVICE PROVIDERS, OR SUPPLIERS, AND EVEN IF ANY OF THEM HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING.
THE ABOVE LIMITATIONS AND EXCLUSIONS SHALL APPLY TO YOU TO THE FULLEST EXTENT THAT APPLICABLE LAW PERMITS, IN ALL ACTIONS OF ANY KIND, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL OR EQUITABLE THEORY.
Protecting Information and Personal Data
Complete confidentiality and security is not yet possible over the Internet. Prudential assumes no liability for any damages you may suffer as a result of interception, alteration, or misuse of any information transmitted over the Internet.
If you provide Prudential with personal data of any third party, you hereby:
1. agree on behalf of that third party to be bound by the Terms and Conditions contained herein; and
2. consent on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the Terms and Conditions contained herein.
You warrant that you have obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that you provide to Prudential is true, accurate and complete.
You shall indemnify, defend, and hold Prudential and its owners, parents, subsidiaries, affiliates, partners, shareholders, members, managers, directors, officers, employees, contractors, agents, information providers, suppliers, agents, representatives, and attorneys (“Indemnitees”) harmless from and against any actual or alleged claims, demands, causes of action, judgments, demands, damages, losses, liabilities, statutory penalties, expenses and all costs and expenses of defence that may be suffered, and legal fees and costs incurred on a full indemnity basis by the Indemnitees, resulting from, relating or attributable to, or arising out of, (i) your failure to comply with any of these Terms and Conditions, (ii) your access to, or use of, the website or the Content (including third party claims relating to content downloaded by you from the website), (iii) your Submissions, even if not submitted by you, (iv) all use of, and activities that occur under, your account (if any) and other identification information (including any login Information) and any actions that take place through your access to the website or the Content (whether conducted by you or another), (v) your violation of any local or foreign law, rule or regulation, (vi) claim(s) by a third party that is based on your use of the website, and (vii) any misrepresentation made by you. Prudential has no duty to reimburse, defend, indemnify, or hold you harmless resulting from, relating or attributable to, or arising out of, these Terms and Conditions, the website or the Content or your use of, or access to, the website or the Content. You will cooperate as fully and as reasonably required in Prudential’s defence of any claim. Prudential reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and you shall not, in any event, settle any matter without the prior written consent of Prudential.
You further agree and undertake to, at all times, indemnify, defend and hold the Indemnitees harmless from and against any actual or alleged claims, demands, causes of action, judgments, demands, damages, losses, liabilities, statutory penalties, expenses and all costs and expenses of defence that may be suffered, and legal fees and costs incurred on a full indemnity basis by the Indemnitees, arising out of or in connection with: (a) your breach of any provision of the Singapore Personal Data Protection Act 2012 (“PDPA”); and/or your act or omission which causes the Indemnities to breach any of its obligations under the PDPA.
Intellectual Property Rights
All trademarks, service marks, names, designs, trade names, logos and icons and other intellectual property rights of any nature in the website or on or through the Services or the Content (“IP Rights”) are either owned by and shall remain the property of Prudential and the respective third party owners (as applicable). None of the IP Rights may be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked, stored in an information retrieval system, or otherwise used in whole or in part in any manner without the prior written consent of Prudential or the relevant third party owner. Prudential neither warrants nor represents that your use of any IP Rights and content/materials displayed on the website will not infringe rights of third parties. Nothing contained in this Terms and Conditions should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any IP Rights displayed in the website without the prior written permission of Prudential or such third party owner that may own the IP Rights. Your use of the IP Rights or any content in this website, except as authorised under these Terms and Conditions, is strictly prohibited.
These Terms and Conditions shall be governed by, and construed and enforced in accordance with, the laws of Singapore, without regard to its conflict of laws provisions. You expressly agree that the exclusive jurisdiction for any claim or dispute under these Terms and Conditions or your use of the website or the Content reside in courts located in Singapore. You further expressly agree to submit to the personal jurisdiction of the courts in Singapore for the purpose of litigating any such claim or action.
or the Content), the website may deliver notices to you via electronic mail or by prepaid certified mail, return receipt requested, at the address maintained in database; any such notice shall be deemed effectively given upon delivery.
These Terms and Conditions constitute the complete, final, and exclusive understanding between Prudential and you relating to the subject matter of these Terms and Conditions and govern your use of the website and the Content, superseding all prior or contemporaneous understandings, agreements, and/or communications with respect to such subject matter.
The provisions of these Terms and Conditions are severable, and in the event any provision of these Terms and Conditions are determined to be invalid or unenforceable, such invalidity or unenforceability shall not in any way affect the validity or enforceability of the remaining provisions. Prudential's waiver of a breach of any provision of these Terms and Conditions by you shall not operate or be construed as a waiver of any subsequent breach by you.
Prudential may assign rights and delegate duties and obligations under these Terms and Conditions to any party at any time without notice to you. These Terms and Conditions are not assignable, transferable, or sub-licensable by you without prior, express, and written consent.
No agency, partnership, joint venture, or employment is created as a result of these Terms and Conditions, and you do not have any authority of any kind to bind Prudential in any respect whatsoever.
A person who is not a party to any agreement governed by these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act Cap 53B to enforce or enjoy any of these Terms and Conditions.
In the interpretation of these Terms and Conditions, except where the context otherwise requires, (i) "including" or "include" does not denote or imply any limitation, (ii) the singular includes the plural, and vice versa, and each gender includes each other gender, and (iii) captions and headings are only for reference and are not to be considered in interpreting these Terms and Conditions.