Thank you for using the MAS web site ("this Web Site").

Subject to the paragraph below on datasets and APIs, you agree that by accessing and using any part of this Web Site, you shall be deemed to have accepted to be legally bound by these Terms of Use. If you do not agree to these Terms of Use, please do not use this Web Site.

The use of datasets (as defined in the “Terms of Use of Datasets” below) made available through this Web Site shall be governed by the Terms of Use of Datasets set out below. If you access the datasets via an API (as defined in the “API Terms of Service” below), you shall be deemed to agree to the said API Terms of Service set out below.

General

These Terms of Use may be changed from time to time. All changes will be posted on this page, and your use of this Web Site after such changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes. You should therefore read this page carefully each time you visit this Web Site.

Proprietary Rights

This Web Site is owned and operated by the Monetary Authority of Singapore (hereinafter "MAS").

The materials located on this Web Site, including the information as well as any software programs available on or through this Web Site ("the Contents"), are protected by copyright, trademark, and other forms of proprietary rights. All rights, title and interest in the Contents are owned by, licensed to, or controlled by MAS.

Any permission granted by MAS for the use of the Contents from the Web Site shall not constitute a transfer, assignment, waiver, or relinquishment of any intellectual property rights in such Contents, all of which remain vested in MAS and/or the relevant rights holders.
 

Restrictions on use of the Contents

No Content, including without limitation the website design and layout, graphics, images, hyperlinks and information, may be reproduced, republished, uploaded, posted, transmitted or distributed in any way without the prior written permission of MAS, except that you may download one copy of any information provided in this Web Site onto a single computer for your own personal non-commercial use provided that you keep intact all accompanying copyright and other proprietary notices. 

You must not do any act that will or may interfere with the accessibility, availability, or proper functioning of this Web Site, or that places or may place an unreasonable or disproportionately large load on MAS' systems, infrastructure, or servers. 

Unauthorised modification and/or interference, misuse, abuse, or unauthorised use of this Web Site and any of its Contents may violate MAS' and/or third-party owners' intellectual property rights and may also be an offence under the Computer Misuse Act 1993. Graphics and images on this Web Site are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners. 

Disclaimer of Warranties and Liability

The Contents of this Web Site are provided on an "as is" basis without warranties of any kind. To the fullest extent permitted by law, MAS does not warrant and hereby disclaims any warranty:

as to the accuracy, correctness, reliability, currentness, timeliness, non-infringement, title, merchantability or fitness for any particular purpose of the Contents of this Web Site;

that the Contents available through this Web Site or any functions associated therewith will be uninterrupted or error-free, or that defects will be corrected or that this Web Site and the server is and will be free of all viruses and/or other harmful elements.

MAS shall also not be liable for any damage or loss of any kind, howsoever caused as a result (direct or indirect) of the use of the Web Site, including but not limited to any damage or loss suffered as a result of reliance on the Contents contained in or available from the Web Site.

The Contents on this Web Site do not constitute financial or other professional advice. If financial or other professional advice is required, services of a competent professional should be sought.

Right of Access

MAS reserves the right to update or modify this Web Site from time to time. MAS further reserves all rights to deny or restrict access to this Web Site to any particular person, or to block access from a particular Internet address to this Web Site, at any time, without ascribing any reasons whatsoever.

Links from this Web Site to other web sites

This Web Site contains hyper-links to web sites which are not maintained by MAS. MAS is not responsible for the contents of those web sites and shall not be liable for any damages or loss arising from access to those web sites. Use of the hyper-links and access to such linked web sites are entirely at your own risk.

All hyper-links to other web sites are provided as a convenience to you as a user of this Web Site. In no circumstances shall MAS be considered to be associated or affiliated in whatever manner with any trade or service marks, logos, insignia or other devices used or appearing on web sites to which this Web Site is linked.

Links to this Web Site from other web sites

Except as set forth below, caching and links to, and the framing of this Web Site or any of the Contents are prohibited.

Linking to the Home Page - You may link to the Home Page of this Web Site, upon notifying MAS in writing. However, please note that MAS reserves the right to disable any link to the Home Page of this Web Site should MAS consider the link to be inappropriate.

Hyper-Linking to an internal page of this Web Site (not being the Home Page)-You must make a specific request for, and secure permission from MAS prior to hyper-linking to, or framing, this Web Site or any of the Contents, or engaging in similar activities. MAS reserves the right to impose conditions when permitting any hyper-linking to, or framing of this Web Site or any of the Contents.

Your linking to, or your framing of this Web Site or any of the Contents constitute acceptance of these Terms of Use. This is deemed to be the case even after the posting of any changes or modifications to these Terms of Use. If you do not accept these Terms of Use, you must discontinue linking to, or framing of this Web Site or any of the Contents.

In no circumstances shall MAS be considered to be associated or affiliated in whatever manner with any trade or service marks, logos, insignia or other devices used or appearing on web sites that link to this Web Site or any of the Contents.

MAS reserves all rights to disable any links to, or frames of any site containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity rights.

MAS reserves the right to disable any unauthorized links or frames and disclaims any responsibility for the content available on any other site reached by links to or from this Web Site or any of the Contents.

Governing Law

These Terms of Use shall be governed and construed in accordance with laws of Singapore.

Acceptance & Grant Of Licence

By Using (as defined below) the datasets on the Relevant Websites, you agree to the terms of this Licence. 

MAS grants you a worldwide, perpetual, royalty-free, non-exclusive licence to Use the datasets, subject to the terms of this Licence.

What You Can Do:

Limitations

• any personal data in the dataset;
• third party rights that MAS is not authorised to license; and
• patents, trademarks and design rights. 

You must not Use the datasets in a way that suggests any official status or that MAS endorses you or your Use of the datasets.

This Licence does not grant any rights to Downstream Sub-Licensees.

Additional Conditions

Attribution: You must include in your products, applications or websites that Use the datasets, a conspicuous notice acknowledging the source of the datasets and including a link to the most recent version of this Licence. An example notice is provided below:

[Contains information from {name of dataset} accessed on {date of access of dataset} from {source of data} which is made available under the terms of the Monetary Authority of Singapore’s Terms of Use of Datasets {URL link to licence}]

Disclaimers: The datasets are provided on an “as is” and “as available” basis. MAS makes no representations or warranties in relation to the datasets, including but not limited to any representation or warranty as to the accuracy, completeness, reliability, continued availability, timeliness, non-infringement, title, quality or fitness for any particular purpose of the datasets to the fullest extent permitted by the law. 

To the extent permitted by law, MAS shall not be liable to you or any third party whether in contract, tort (including negligence), restitution, breach of statutory duty or otherwise, for damage or loss of any kind arising directly or indirectly from your or any third party’s Use of, or inability to Use, the datasets or the Relevant Websites. 

Indemnity: You shall indemnify MAS against all liabilities, damages, costs (including legal costs) and expenses arising directly or indirectly from: 

• any claim made by a third party in connection with your Use of the datasets;
• your violation of any rights of another person; or
• any claim made by a third party in connection with the third party’s Use of the datasets or any derived analyses or applications which you have provided.

Intellectual Property: All datasets are the intellectual property of MAS.

You cannot enforce any intellectual property rights belonging to MAS except with the prior written approval of MAS.

Rights of Third Parties: No one other than a party to this Licence shall have any right to enforce any of its terms.  

Termination of Licence: MAS may terminate this Licence immediately upon your breach of any of the terms of this Licence. The Disclaimers and Indemnity sections, and any other provision of this Licence which is required to give effect to termination or the consequences of such termination, shall survive the termination of this Licence.  

Governing Law and Jurisdiction: This Licence is governed by the laws of the Republic of Singapore and the parties to the Licence submit to the exclusive jurisdiction of the Singapore courts.

Definitions And Interpretation

In this Licence:

“Dataset” includes any data, or information within the dataset, that is offered for use under the terms of this Licence.

“Downstream Sub-Licensee” means any person who may require a licence in order to access the website or use the application of a Sub-Licensee. 

“Sub-Licensee” means a person that is granted a sub-licence by you, where allowed under this Licence.

“Relevant Websites” means this Web Site or other websites owned by MAS that are linked from this Web Site.

About The Licence

The Singapore Open Data Licence aims to promote and enable easy reuse of Public Sector data to create value for the community and businesses.

This is version 1.0 of the Singapore Open Data Licence. The Singapore Government may, from time to time, issue new versions of the Singapore Open Data Licence. Your continued Use of the datasets constitutes your acceptance of the new version of this Licence. 

Acceptance of API Terms of Service

MAS may offer datasets through an API. Use of the datasets is governed by the above Terms of Use of Datasets. The service through which you may access datasets via APIs is subject to these API terms of service (“Terms of Service”).

By Using an API on the Relevant Websites, you agree to the Terms of Service. 

What You Can Do:

• You can use, access, call, command, query or request the API, whether commercially or non-commercially (“Use”).
• If your API Client(s) are intended to be distributed as or as part of a software library, you may grant a sub-licence of the APIs if this is necessary to enable other persons (“your Sub-Licensees”) to incorporate and/or distribute your API Client(s) in their software programs. 
• If your Sub-Licensees require additional rights, your application and/or website should direct your Sub-Licensees to obtain the appropriate licence at data.gov.sg.

Limitations

These Terms of Service do not grant you any rights over:

• any personal data should any personal data be included or exposed through the APIs, inadvertently or otherwise; and
• any intellectual property found in content accessible through the APIs.

These Terms of Service do not grant any rights to Downstream Sub-Licensees.

Additional Conditions

Access to datasets through APIs is subject to the following:

• Your right to Use APIs may be subject to additional terms, including limitations on Use, found on the individual pages of each API. You agree that MAS may monitor your Use of the API to improve the service, track usage, to ensure compliance with these Terms of Service, or for security purposes. 
• When you Use the API, you must utilise the access control credentials issued to you if applicable. You agree to keep such credentials secure and confidential. You shall not mis-present or mask your API Client’s identity when Using the API.
• You warrant that your API Client(s) are free of any Unauthorised Code. You agree to Use the API in accordance to MAS’ published technical and other specifications, including all security requirements and procedures. You shall not interfere with or disrupt the API or the servers or networks providing the API. You shall not exploit any vulnerability of the API or servers, inject any unauthorised or malicious scripts, codes, commands, queries or requests, or introduce any Unauthorised Code through the API. 
  
   

Disclaimers: The APIs are provided on an “as is” and “as available” basis.  MAS makes no representations or warranties in relation to the APIs, including but not limited to any representation or warranty as to the accuracy, completeness, reliability, service levels, continued availability, timeliness, non-infringement, title, quality or fitness for any particular purpose of the APIs to the fullest extent permitted by the law. 

To the extent permitted by law, MAS shall not be liable to you or any third party, whether in contract, tort (including negligence), restitution, breach of statutory duty or otherwise, for damage or loss of any kind arising directly or indirectly from your or any third party’s Use of, or inability to Use, the APIs or the Relevant Websites. 

MAS’ provision of APIs does not prevent MAS from: 

• developing its own products or services, some of which may offer the same or similar functionalities as your API Client(s) and/or any of your products or services; or 
• modifying any APIs or methods of accessing the APIs at any time.
  
   

Indemnity: You shall indemnify MAS against all liabilities, damages, costs (including legal costs) and expenses arising directly or indirectly from: 

• any claim made by a third party in connection with your Use of the APIs;
• any system failure or downtime, and/or any lost or damaged data or software, arising from or in connection with your Use of the APIs;
• your violation of any rights of another person; or
• any claim made by a third party in connection with the third party’s Use of your API Client(s) developed using the APIs, or any derived analyses or applications which you have provided.
  
   

Intellectual Property: All intellectual property rights subsisting in or used in connection with the APIs are the property of MAS. 

You cannot enforce any intellectual property rights belonging to MAS in respect of the APIs except with the prior written approval of MAS. 

Rights of Third Parties: No one other than a party to these Terms of Service shall have any right to enforce any of its terms.

Suspension or termination of API access: MAS may terminate these Terms of Service or suspend your access to the API for any reason whatsoever. Upon such termination or suspension, you shall immediately stop Using the API. The Disclaimers and Indemnities sections, and any other provision of these Terms of Service which is required to give effect to termination or the consequences of such termination, shall survive the termination of these Terms of Service. 

Governing Law and Jurisdiction: These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of Singapore. The parties to these Terms of Service submit to the exclusive jurisdiction of the Singapore courts. 

Definitions and Interpretation

In these Terms of Service:

“API” means an application programming interface that is provided by MAS.

“API Client” means any of your software, applications, websites or systems that Use the APIs, and includes any part thereof.

“dataset” has the same meaning given to it under the above Terms of Use of Datasets.

“Downstream Sub-Licensee” means any person who may require a licence in order to access the website or use the application or API Client(s) of a Sub-Licensee. 

“Sub-Licensee” means a person that is granted a sub-licence by you, where allowed under these Terms of Service.

“Relevant Websites” means this Web Site or other Websites owned by MAS that are linked from this Web Site.

“Unauthorised Code” means any malicious or invalid code, virus, Trojan horse, worm, logic bomb, software routine or hardware components designed to permit unauthorised access, to disable, erase, or otherwise harm software, hardware or data, or to perform any such actions.