Terms of Use

The Blog | Pang Zhe Liang Terms of Use (“Terms”) is a legally binding agreement between you (“you”, “your”) and blog.pzl.sg (“Blog”, “we”, “our”).

By accessing or using the Blog, you agree to be bound by these Terms and by our Data Protection Notice. If you disagree with any part of the Terms, then you may not access or use the Blog.

No Offer

This Blog is a general information source only. Except as expressly set forth herein the contents contained on this Blog and the links to the products or services do not constitute financial advice, an offer of financial products nor a solicitation of an offer to purchase any financial products, and may not be used by you to make financial or investment decisions. Past performance is not necessarily an indication of future performance. This Blog does not make any recommendations and offers to any financial products and is not intended to create a consultant-client relationship. Before relying on the contents on this Blog, you should do your own checks or obtain professional advice relevant to your particular circumstances. Any person considering a financial product should seek independent professional advice prior to making any financial decision.

Third Party Links

This Blog may contain links to third-party web sites or services that are not owned or controlled by this Blog. Those links are provided for your own convenience only and we are not responsible for their use, effect, or content.

We make no representations or warranties as to, and accept no responsibility for, the accuracy of information on those sites, nor do we endorse any information, opinion, goods or services referred to on them. You acknowledge and agree that you access or use such web sites at your own risk.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit. 


You hereby agree to fully indemnify, defend, and hold harmless the Blog from and against any and all damages, losses, liabilities, costs, and expenses (including full legal costs on a solicitor-client basis) suffered by the Blog arising from or connection with (i) your access to or use of this Blog; (ii) any party’s access to or use of this Blog; (iii) your breach of any of these Terms; (iv) any other party’s breach of any of these Terms where such party was able to access or use this Blog.

Limitation of Liability

You agree that your access to, and use of the Blog is at your own risk.

To the fullest extent permitted by law, we exclude from these Terms all representations, guarantees, conditions, warranties, rights remedies, liabilities, and there terms that may be implied by statue, general law or custom, except any guarantee or right conferred under any legislation, the exclusion of which would contravene legislation or cause part or all of this clause to be void.

To the fullest extent permitted by law, we exclude all responsibility and liability arising from or in connection with your use of the Blog, including without limitation (i) any and all actual anticipated loss of profits, revenue, goodwill, savings, data, business opportunity, or expectation, and any and all indirect, special, consequential, punitive or exemplary losses; and (ii) any other losses, even if we have been advised of the possibility of such damages.

We also assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment, or other property as a result of your access or use of the Blog or your downloading of any materials, data, text, images, video, or audio from this Blog.

Ownership Information

Any information, other than personal data or information, you transmit to us via this Blog, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will become our property. Such information, other than personal data or information, may be used by us for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. We may use any ideas, concepts, know-how, or techniques contained in any communication you send to us via this Blog for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You waive all applicable rights you may have in any information (other than personal data) you transmit to us via this Blog or otherwise, for the purposes of this section of the Terms.

Any information submitted to us using the Blog will also be bounded by our Data Protection Notice.

Intellectual Property

This Blog is owned and operated by Pang Zhe Liang. All copyright and other intellectual property rights in the Blog are proprietary to us and our licensors. Other than as expressly set out in the Terms and except as permitted by applicable law, you must not and must not attempt to: (i) use, copy, reproduce, republish, modify, stored in a retrieval system, create derivative works or use in any other way for public or commercial purposes any part of the Blog; (ii) distribute, translate, modify or tamper with, any part of the Blog; (iii) create derivative works of or from any part of the Blog; (iv) sell, rent, lease, sub-license, assign, exchange or otherwise transfer your rights under these Terms; (v) permit or assist any person to engage in any act described in this paragraph (i), (ii), (iii), (iv), (v).

All infographics bear the Attribution-NonCommercial-ShareAlike 4.0 International (CC BY-NC-SA 4.0) license.

All images that do not bear the Attribution-NonCommercial-ShareAlike 4.0 International (CC BY-NC-SA 4.0) license, trademarks, service marks, trade names, icons, and logos of the Blog are owned by Pang Zhe Liang and may not be used without prior written permission from Pang Zhe Liang.


We reserve the right, at our sole discretion, to modify or replace the Terms at any time without providing notice to you and without giving any reason for doing so, by proving an updated version of the Terms of Use on the Blog.

By continuing to access or use the Blog after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new Terms, you may immediately cease to access or use the Blog.


We may terminate or suspend access to our Blog immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Inconsistency in wordings

If there is any ambiguity or inconsistency between the English and local language versions of these Terms of Use, the English version will prevail.

No Waiver

We do not waive a right, power or remedy in connection with these Terms if we fail to exercise or delay in exercising the right, power or remedy.


If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Governing Law

These Terms of Use will be governed by the laws of the Singapore and the parties agree to submit to the exclusive jurisdiction of the courts of Singapore.

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