Terms & Conditions of Use
By accessing this website and/or the related pages, registering for a developer account, using the related developer content and/or using the related online services, you agree to be bound by the following terms and conditions. Please read them carefully.
If you do not accept any of these terms or conditions, you must immediately discontinue your access of this website, all related pages, your developer account, developer content and/or use of the related online services.
In order to gain access and use the APIs, you will need to access the API Portal, sign up to create a user account, add the details of your Application(s) (defined below) and thereafter, subscribe to the APIs in respect of each Application.
Part 1 - Definitions
1.1 “APIs” means the application program interfaces made available on the API Portal which you have subscribed to, including any services, functions and features made available through such application program interfaces by or on behalf of Income;
1.2 "Developer Portal" or “API Portal” means the online platform owned and operated by Income to make available application program interfaces developed by Income and which is accessible at such location as may be prescribed by Income from time to time, and includes any of the features, services and functions made available through such online platform;
1.3 “Application” means the software application, website or other applications of yours which involves the use of the APIs;
1.4 “Data” means information and/or any other material (including databases, text, graphics, photographs, animations, audio, music, video, links or other content) provided or made available through the APIs, as the case may be;
1.5 “Guidelines” means any relevant notices, instructions, guidelines and operating rules and policies which Income issues from time to time, which may be notified to you via the API Portal or otherwise;
1.6 “Open-Source Licence” means any licence that requires, as a condition of use, modification and/or distribution of a work subject to the open source license, that such work and/or other work combined and/or distributed with such work be: (a) disclosed or distributed in source code form; (b) licensed for the purpose of making derivative works; or (c) redistributable at no charge;
1.7 “Password” refers to the valid password that you use in conjunction with the Username to access the APIs and/or the password-protected and/or secure areas of the API Portal.
1.8 “Personal Data” refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which Income has or is likely to have access, including data in Income’s records as may be updated from time to time. Examples of such Personal Data include the individual’s name, address, national registration identity card (“NRIC”) number or e-mail address;
1.9 “User Materials” means any information, text, graphics, photographs and/or other materials or content submitted by you for inclusion and/or posting through the API Portal;
1.10 “Username” refers to the unique login identification name or code which identifies you.
Part 2 - Terms governing your access and use of the API Portal
2. Conditions for the use of the API portal (developer portal)
2.1 You must comply with all Guidelines pertaining to the use of the API Portal which we issue from time to time.
2.2 You must also (i) abide by all applicable laws and regulations in your use of the API Portal; (ii) not impersonate any person or entity or to falsely state or otherwise misrepresent your affiliation with any person or entity; (iii) not send, distribute or upload, in any way, data or materials that contain viruses, malicious code or harmful components that may impair or damage the operation of another’s computer or equipment; and (iv) not post, promote or transmit through the API Portal any unlawful, harassing, libellous, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature.
3. User materials
3.1 Income neither endorses nor assumes any responsibility for the contents of your transmissions or communications through the API Portal and you are solely responsible therefor.
3.2 You warrant and represent that you have the right and authority to submit your User Materials for inclusion and/or posting through the API Portal and that your User Materials do not infringe the intellectual property rights or any other rights of any third party. If Income suffers any loss, damages, costs or expenses arising from your User Materials, including infringement of intellectual property rights or any other rights of any third party, you shall fully and effectively indemnify Income against such loss, damages, costs or expenses (including legal costs on a solicitor-client basis).
3.3 You hereby grant to Income a non-exclusive, world-wide royalty-free, irrevocable licence and right to host, transmit, store, distribute or use (which will include without limitation, the right to copy, analyse, modify, aggregate, reproduce and/or publish) the User Materials in connection with the provision of the API Portal and/or APIs to you and for the purposes you have instructed or requested.
4. No linking
You may not, without Income's prior written permission, insert a hyperlink to, or establish frames of, the API Portal (or any part thereof, including without limitation any webpages, images, video, audio, graphics, text, code, program and/or any other material on the API Portal) on any other website or webpage or “mirror” any material contained on the API Portal on any other server.
Part 3 - Terms governing your access and use of the APIs
5. Licence to use APIs
5.2 Income reserves all rights not granted here under.
5.3 For the avoidance of doubt, Income shall not at any time be obliged to provide any modifications to the APIs, including without limitation any updates and/or upgrades to the APIs or any new versions and/or releases of the APIs which result in new features.
5.4 The APIs that you have subscribed to under the ‘Bronze’ tier are, in general, licensed to you at no charge. There may be charges for the use of APIs under certain scenarios under the ‘Bronze’ tier or under other tiers and details of the applicable charges will be provided via the Guidelines.
6. Licence requirements and restrictions
6.1 You will:
6.1.1 unless otherwise permitted by Income in writing, use the APIs strictly for non-commercial purposes;
6.1.2 use the APIs strictly in accordance with any relevant Guidelines;
6.1.3 use the APIs strictly for purposes that are permitted by any applicable laws or regulations;
6.1.4 where the APIs contain software or code subject to Open-Source Licences, use the APIs in accordance with the terms of the applicable Open-Source Licences, each of which shall constitute a licence solely between you and the applicable licensor of the software in question;
6.1.5 permit the display of, conspicuously display and/or not obscure the display of, as the context permits, any trade names, trademarks, logos, domain names and/or other attributions to Income’s brand which are automatically generated via the use of the APIs. You agree that Income has the sole right and discretion to determine whether your adherence to the foregoing and/or such attributions are satisfactory;
6.1.6 take all necessary steps and/or precautions to ensure that your Applications (whether using the APIs or not) are not mistaken or misrepresented as being Income’s products or services. You agree that the Applications shall at all times be made available or provided as your applications or services;
6.1.7 notify and obtain consent from your end users (and we shall deem that such consent has been obtained by you) before their Personal Data and location data is collected, transmitted or otherwise used by any of your Applications which offer location-based services or functionality; and ensure that you either own all content used in your Application, or have obtained consent (and we shall deem that such consent has been obtained by you) from the relevant content owners to use their content in your Application.
6.2 You will not, save as otherwise permitted by Income via the Guidelines:
6.2.1 sell, resell, assign, sub-licence, distribute, transmit, publicly display, rent, lease, lend, export, offer on a “pay-per-use” basis or publish the APIs or any part thereof in any form by any means to any third party, for monetary benefit or any other consideration;
6.2.2 interfere with or disrupt the APIs or the servers or networks providing the APIs or any part thereof;
6.2.3 reverse engineer or extract, or attempt to reverse engineer or extract, the source code from any API;
6.2.4 use the APIs, the Data and/or the Applications in a manner which:
6.2.4 (i)contravene any applicable laws and regulations; or
6.2.4 (ii)promote or facilitate any form of material or activity which Income deems objectionable or would subject itself to reputational risk, including, without limitation, gambling, obscenity, pornography, prostitution, drugs, crime, cruelty, violence and any other materials or activities;
6.2.5 pre-fetch, cache, index or store any Data except that you may store limited amounts of Data solely for the purpose of improving the performance of your Applications due to network latency (and not for the purpose of preventing Income from accurately tracking usage), and only if such storage is temporary (and in no event more than 10 calendar days), is secure, does not manipulate or aggregate any part of the Data or the APIs and does not modify attribution to Income in any way; and
6.2.6 delete or alter any trade names, trademarks, logos, domain names and/or other attribution to Income’s brand, which are provided due to the use of the APIs.
Part 4 - General terms applicable to both the API Portal and the APIs
7. User account
7.1 Access to and use of the APIs and/or the password-protected or secure areas of the API Portal are restricted to authorised users only. You may not obtain or attempt to obtain unauthorised access to the APIs or such parts of the API Portal, or to any other protected information, through any means not intentionally made available by Income for your specific use.
7.2 A Username and Password may either be: (i) determined and issued to you by Income; or (ii) provided by you and accepted by Income in Income’s sole and absolute discretion in connection with the use and/or access of the APIs and/or API Portal. Income may at any time in its sole and absolute discretion forthwith invalidate, suspend or terminate the user account, Username and/or Password issued to you without giving any reason or prior notice and shall not be liable or responsible for any loss or damage suffered by or caused by you or arising out of or in connection with or by reason of such invalidation, suspension or termination. You hereby agree to change your Password from time to time and to keep the Username and Password confidential and shall be responsible for the security of your user account and liable for any disclosure or use (whether such use is authorised or not) of the Username and/or Password. You are to notify us immediately if you have knowledge that or have reason for suspecting that the confidentiality of the Username and/or Password has been compromised or if there has been any unauthorised use of the Username and/or Password.
7.3 Any use of or access to the APIs, the Data and/or the API Portal and any information, data, instructions or communications (“Communications”) referable to the user account, Username or Password issued to you (whether such access, use or Communication is authorised by you or not) shall be deemed to be (a) use or access of the APIs and/or the API Portal by you and/or (b) Communications transmitted and validly issued by you. You shall be bound by any access, use, and/or Communications referable to the user account, Username or Password issued to you, and you agree that Income shall be entitled (but not obliged) to act upon, rely on and/or hold you solely responsible and liable in respect thereof as if the same were carried out or transmitted by you.
Income may attach banners, java applets and/or such other materials to the API Portal, or include advertising in the Data provided or made available to you through the APIs, for the purposes of advertising Income’s or any third party’s products and/or services. By using the APIs, you agree to display any such advertising provided or made available to you through the APIs in the form provided to you by Income.
9. Reservation of right
9.1 Income may from time to time without giving any reason or prior notice, upgrade, modify, alter, suspend, discontinue the provision of or remove, whether in whole or in part, the API Portal, the APIs and/or the Data and shall not be liable if any such upgrade, modification, suspension or alteration prevents you from accessing the API Portal and/or the APIs or any part or feature thereof.
9.2 Income reserves the right, but shall not be obliged to: (i) monitor, screen or otherwise control any activity or services; (ii) investigate any violation of the terms and conditions contained herein and take any action it deems appropriate; (iii) prevent or restrict your access to the API Portal, the APIs and/or the Data; and/or (iv) report any activity it suspects to be in violation of any applicable law, statute or regulation to the appropriate authorities and to co-operate with such authorities.
10. Other applicable terms/new services
10.2 Income reserves the right (but shall not be obliged) to introduce new products, applications, programmes, services, functions and/or features (collectively “New Services”) to the API Portal or the APIs. The term “API Portal” or “APIs” (as the case may be) shall include New Services which are provided through the API Portal or the APIs respectively at no charge or fee unless otherwise indicated.
11.1 Income shall not be liable for any errors or delays in the APIs, the API Portal or the Data, or for any actions taken in reliance thereon. You understand and agree that you will use the APIs, the API Portal and/or the Data at your own discretion and risk and that you will be solely responsible for any loss or damages that arise from your use of the APIs, the API Portal and/or the Data.
11.2 Income is under no obligation to monitor or review discussions, messages, blogs, chats, postings, transmissions, bulletin boards, and the like on or accessible through the API Portal, and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, inaccuracy or any other objectionable material contained in any applications or content within such locations.
11.3 Any hyperlink to any other website or webpage is not an endorsement or verification of such website or webpage and should only be accessed at your own risk.
11.4 Income does not and shall not be taken to endorse your Application, and you shall not do anything or permit anything to be done which implies or suggests that Income is in any way endorsing the use or commercialisation of your Application.
12. No warranty
12.1 The APIs, API Portal and the Data are provided “as is” and “as available”. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF TITLE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS OR OTHER MALICIOUS, DESTRUCTIVE OR CORRUPTING CODE, AGENT, PROGRAM OR MACROS, IS GIVEN IN CONJUNCTION WITH THE APIS, DATA, API STORE, OR ANY INFORMATION AND MATERIALS PROVIDED AT THE API STORE OR THROUGH THE APIS. Without prejudice to the generality of the foregoing, Income does not warrant: (i) the accuracy, timeliness, adequacy or completeness of the APIs, the API Portal or the Data; (ii) that your use of and/or access to API Portal, the Data and/or the APIs, or the operation of the API Portal, the Data and/or the APIs, will be uninterrupted, secure or free from errors or omissions or that any identified defect will be corrected; (iii) that the APIs, the API Portal and/or Data will meet your requirements or are free from any virus or other malicious, destructive or corrupting code, agent, program or macros; and (iv) that use of the API Portal, APIs and/or the Data by you will not infringe rights of third parties.
12.2 In addition, Income makes no warranty regarding any applications, products or services that may be or which are purchased or obtained or any transactions entered into through the API Portal.
12.3 You acknowledge and agree that Income does not warrant the security of any information transmitted by or to you using the API Portal or APIs and you hereby accept the risk that any information transmitted or received using the API Portal or APIs may be accessed by unauthorised third parties and/or disclosed by Income and by its officers, employees or agents to third parties purporting to be you or purporting to act under your authority.
12.4 You and your end users will not hold Income or any of its officers, employees or agents responsible or liable, in contract, tort (including negligence or breach of statutory duty), equity or otherwise, for any such access or disclosure or for any damages, losses, expenses or costs (whether direct or indirect, or whether foreseeable or not) suffered or incurred by you or your end users as a result of any such access or disclosure.
13. Data privacy and confidentiality
13.2 In addition, you consent to Income’s systems being programmed to gather certain anonymous data to help Income understand how the API Portal, APIs and/or Data are being used and how we can improve them. This automatically gathered data includes your computer’s IP or “Internet Protocol” address, statistics about how you navigate through the API Portal, APIs and/or Data, and information provided through the use of “cookies”.
14. Limitation of liability
14.1 Income shall in no event nor for any reason whatsoever be liable, even if Income has been advised of the possibility of such damages, losses or expenses, for any damages, loss or expense, including direct, indirect, special, or consequential damage, or economic loss, arising from or in connection with (i) any access, use or the inability to access or use the API Portal, APIs or Data; (ii) any system, server or connection failure, error, omission, interruption, delay in transmission, computer virus or other malicious, destructive or corrupting code, agent program or macros; (iii) any use of or access to any other website or webpage linked to the API Portal or provided through the APIs; (iv) any services, products, information, data, software or other material made available, obtained or downloaded from the API Portal or APIs or from any other website or webpage linked to the API Portal and/or APIs or from any other party referred by the API Portal and/or APIs, or through the use of the API Portal and/or APIs, or (v) your use or misuse of the API Portal, the Data and/or the APIs. In no event shall Income be liable to you, your end users or any other party for: (a) amounts due from other users of the API Portal or APIs in connection with the purchase of any products/services; (b) losses, damages, expenses or costs arising in connection with the use of the API Portal, APIs, the Data, or a product or service from the API Portal, by you, your end users or other third party; and/or (c) sales, customs and/or import or export taxes.
15.1 You agree to indemnify and hold harmless Income and its related corporations, and any of their officers, directors, agents, employees and licensors, from and against any and all claims, actions, proceedings, suits, liabilities, damages, settlements, penalties, fines, costs or expenses (including legal fees) arising out of or relating to:
15.1.1 your use or your end users’ use of the API Portal, APIs or Data;
15.1.2 your Application;
15.1.3 your User Materials;
15.2 You will cooperate fully in the defence of any allegation or third-party legal proceeding (including legal proceeding for infringement of intellectual property or other rights of third party). Income reserves the right to assume the exclusive control and defence of any indemnified matter under this Clause 15.
16. Intellectual property
17. Transactions with third parties
17.1 Under no circumstances shall it be construed that, in the case of the services, products or programmes of any third party, Income is a party to any transaction between you and such third party or that Income endorses, sponsors, certifies, or is involved in the provision of such services, products, applications or programmes accessible at the API Portal or through the APIs and Income shall not be liable in any way for any products obtained and/or purchased from or services rendered by any such third party which shall be the sole responsibility of the relevant third party.
(a) shall not affect your obligation to make full payment of any fees payable if such fee has not already been paid; and
18.5 No refund
21. Force majeure
21.1 Income shall not be liable for any non-performance, error, interruption or delay in the performance of its obligations or in the API’s or the API Portal’s operation, or for any inaccuracy, unreliability or unsuitability of the APIs or API Portal if due, in whole or in part, directly or indirectly to an event or failure which is beyond its reasonable control (including acts of God, natural disasters, epidemics, acts of war or terrorism, acts of any government or authority, power failures, acts or defaults of any telecommunications network operator or carriers and the acts or a party for whom Income is not responsible for).
22.6 You acknowledge and agree that Income's records and any records of the communications, transactions, instructions or operations made or performed, processed or effected through the APIs and/or the API Portal by you, your end users, or any person purporting to be you, acting on your behalf or purportedly acting on your behalf, with or without your consent, or any record of communications, transactions, instructions or operations relating to the operation of the APIs or the API Portal and any record of any communications, transactions, instructions or operations maintained by Income or by any relevant person authorised by Income relating to or connected with the APIs and/or API Portal shall be binding on you for all purposes whatsoever and shall be conclusive evidence of such communications, transactions, instructions or operations.
22.10 For other terms and conditions of use regarding Income website, please refer to https://www.income.com.sg/terms-of-use .