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Terms & Conditions

Your usage of this website, encompassing the materials, content and information provided on or through this platform (referred to collectively as the "Materials"), is subject to these Terms of Use (further referred as the "Terms") and our Privacy Policy. By using this website, you acknowledge that you have read and agree to abide by these Terms.

About Us

This website is administered and operated by UTM Social Agency.

Third-Party Sites Disclaimer

We disclaim any responsibility for third-party sites accessible through this Website, whether by hyperlink or alternative methods. It is recommended that you scrutinize the terms of use pertaining to those sites. The decision to access or use a third-party site rests entirely on your own discretion.

Use Limitations; No Grant of License

All rights concerning the design and content of this Website are reserved by us. It is expressly forbidden to misappropriate, distort or modify the design or content in any way. This Website does not confer any license regarding the design or content, except for the ability to download and utilize Materials for personal information.

Materials and Disclaimers

ALL MATERIALS ARE PROVIDED "AS IS," SHOULD NOT BE RELIED UPON FOR ANY PURPOSE, AND ARE NOT COVERED BY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. Specifically, unless to the extent that Materials provided through a password-protected area on this Website are subject to different rules, we disavow any representations or warranties regarding the non-infringement, accuracy, completeness or fitness for a particular purpose of the Materials. Be aware that a significant portion of the Materials comprises information from third parties that has not been validated or verified by us. Due to confidentiality obligations in our investment activities, statements we make may be constrained, preventing full disclosures. Without limiting the impact of other warnings and disclaimers in these Terms, any statements we make (on our website or otherwise) should be interpreted in that context. Make certain that your computer security is thorough and current. We disclaim any responsibility for viruses, malware, or other malicious or damaging software contained in the Materials or otherwise.

Liability Limitation

In connection with your use of this Website or the Materials, UTM Social Agency shall not be held liable to you. Certain jurisdictions impose limitations on our ability to disclaim liability. In such jurisdictions, our liability will be restricted to the fullest extent permitted by applicable law.

Amendments to these Terms

The right to modify these Terms is reserved by us and can be exercised at any time. Periodically review these Terms for any updates. Your continued use of this website post the publication of changes indicates your binding acceptance of those amendments.

Possession of Trademarks, Etc.

The trademarks, logos, service marks, articles, trade names, graphics, and other Materials found on this website are protected under trademark, copyright and other relevant laws. Notably, all trademarks, trade names, service marks, and logos exhibited on this website are either owned or licensed by us or our affiliates, or licensed to us by third parties. Neither us, our affiliates, nor the respective third-party owners confer any rights to you regarding these assets.

Other Terms

If it is against the law or prohibited in your country of origin to access or use this website, you should refrain from doing so. Those who opt to access this Website do so at their own initiative and are responsible for complying with all local laws and regulations. All aspects of these Terms, including disputes related to them or your use of this website or the Materials, are governed by the laws of Singapore, without consideration of conflicts of laws principles. The waiver of our rights under these Terms may be expressed only in written form by us. These Terms are applicable not only to you but also to your successors and permitted assigns. If any provision of these Terms is found to be invalid or unenforceable, it will be severed and replaced with a valid and enforceable provision as similar in intent as reasonably possible, without affecting the validity or enforceability of the remainder of these Terms.

Contact Details

If you have any questions or comments about these Terms, feel free to contact us at

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