Terms and Conditions

Please read this carefully because it sets out the terms of a legally binding agreement between you and Morning Wrap. By proceeding with the subscription, this terms and conditions apply to you.

1.General

This document sets out the terms and conditions on which you may use the content/services from Morning Wrap (which we call “MW content”). We only make these terms and conditions available in the English language. 

2.Access and Use 

Our ability to invest in high quality journalism depends on our users complying with this Section 2. Please read our Copyright Policy that summarises how you are allowed to use MW content and provides guidance on the types of use we do not permit without the purchase of additional licences from Morning Wrap. You agree that you will comply with our Copyright Policy. 

Organisations that may be using MW content without the appropriate permissions may approach us with a view to discussing the partnership to legitimize that use. 

The amount and types of MW content that you can view, and the platforms on which you can view MW content, depend on what type of user you are and what type of subscription (if any) you have. We can vary the access rights of registered users who are not accessing through a subscription at any time at our discretion.

3.Privacy Policy and Registration 

All information received by us from your use of MW content will be used by Morning Wrap in accordance with our Privacy Policy. Please read this for details of how we may process your personal data. 

On registration, you must provide Morning Wrap with accurate, complete registration information and it is your responsibility to update and maintain changes to that information on the applicable registration or subscription pages. Morning Wrap is entitled to rely on any information you provide to us. 

Each registration is for a single user only. On registration, we will register your Email. The Email that you provide on registration must correspond to a named account and not a generic or shared account. You are not allowed to share your Email or give access to MW content through your Email to anyone else. Morning Wrap does not allow multiple users on a network or within an organization to use the same Email. Morning Wrap may cancel or suspend your access to MW content if you share your Email without further obligation to you. You may not create additional registration or subscription accounts for the benefit of others or with the aim of avoiding our use of Emails to control access to and use of MW content.

4.Cancellation of Personal Subscriptions.

How to unsubscribe: You may directly cancel your subscription by clicking the “unsubscription” link at the bottom of our email.

Cancellations by us: Morning Wrap reserves the right to suspend or terminate your subscription if you breach these terms and conditions, with or without notice and without further obligation to you. We may also suspend or terminate your subscription if we are prevented from providing services to you by circumstances beyond our control. 

5.Who Your Personal Subscription Contract is with 

If you have a Morning Wrap subscription or other subscription service and are resident in any country, then you will be contracting with MORNING WRAP PTE. LTD., whose principal place of business is at 20A, Tanjong Pagar Road, Singapore 088443.

These terms and conditions apply for the benefit for any or all of the above entities who may rely on them and/or enforce them in their own right. 

6.User Generated Content 

MW content may include comments sections, blogs and other interactive features that allow interaction between users and between users and Morning Wrap (we call these “Forums”). We call the information posted to these Forums by users “User Generated Content” or “UGC”. 

If you wish to view or participate in a Forum then you must comply with any specific rules posted on the Forum. We also recommend that you read our Comments Guidelines which provide further guidance in relation to commenting in MW content. 

You will retain ownership of the copyright in any of your UGC that you or we publish in Morning Wrap so you are free to re-use it as you wish. You agree that if you post UGC to a Forum then you are granting Morning Wrap a right (but not an obligation) unlimited in time to publish, re-use, archive, modify, delete or commercially exploit that UGC in whole or in part as we see fit, whether in Morning Wrap or otherwise, without any requirement to pay you for this and with or without attribution to you. This means that you grant us a worldwide, non-exclusive, perpetual, irrevocable, royalty-free licence to use any UGC you publish in whole or in part in any manner and for any purpose whatsoever and without further obligation to you. You also waive any moral rights that you may have in regard to the UGC. 

You are responsible for all the content of any of your UGC that you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not in accordance with the bullet points below or that otherwise relates to your UGC. 

You agree that you will: 

  • only publish UGC that is your original content and will not infringe the copyright or other rights of any third party (including Morning Wrap) when publishing UGC. 
  • not post, link to or otherwise publish any UGC containing any form of advertising or promotion for goods and services or any spam or other form of unsolicited communication. 
  • not post, link to or otherwise publish any UGC with recommendations to buy or not buy a particular share or other investment or which contain confidential information of another party or which otherwise have the purpose of affecting the price or value of any share or other investment. 
  • not post, link to or otherwise publish any UGC that is threatening, offensive, libellous, indecent or otherwise unlawful. 
  • not post comments that are discriminatory in nature, for example, comments which make attacks on the grounds of Morning Wrap, religion, sex, gender, sexual orientation, disability or age. 
  • respectfully challenge different points of view but not personally attack other commentators. 
  • not disguise the origin of any UGC and not impersonate any person or entity (including Morning Wrap employees or Forum guests or hosts) or misrepresent any connection with any person or entity. 
  • not post or otherwise publish any UGC unrelated to the Forum or the Forum’s topic. 
  • not post or transmit any UGC that contains software viruses, files or code designed to interrupt, destroy or limit the functionality of Morning Wrap or any computer software or equipment. 
  • not collect or store other users’ personal data. 
  • not restrict or inhibit any other user from using the Forums. 
  • comply with the guidelines for commenting set out in our Commenting FAQ. 
  • The Forums contain UGC submitted by users over whom Morning Wrap has no control so we cannot therefore guarantee the accuracy, integrity or quality of any UGC. Some users may not behave properly and may post UGC that is misleading, untrue or offensive. 

It is not possible for Morning Wrap to fully monitor all UGC published in MW contents but where we have actually received notice of any UGC that is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of these terms and conditions, then we will review that UGC, decide whether to remove it from MW contents and act accordingly. This may include banning a user from participation in UGC in MW contents 

Our moderation and community team may contact you from time to time regarding your comments. Comments, including those made under a pseudonym, can be linked to your Morning Wrap account. 

If you believe that any UGC published in MW content infringes any legal rights that you may have or is not allowed under these terms and conditions, please notify us immediately with specific details by contacting us at enquiry@morningwrap.com

7.Third Party Sites and Services 

Morning Wrap may contain links to other Internet websites or online and mobile services provided by independent third parties, including websites of our advertisers and sponsors (what we call “Third Party Sites”), either directly or through frames. Third Party Sites may be co-branded with Morning Wrap and so include Morning Wrap’s trademarks. 

It is your decision whether you purchase or use any third party products or services made available on or via Third Party Sites and you should read Section below carefully. Our Privacy Policy does not apply to Third Party Sites. 

Morning Wrap contains advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion in MW content complies with international and national law. Morning Wrap is not responsible for any error or inaccuracy in advertising or sponsorship material. 

Copyright in any software that is made available for download from Morning Wrap belongs to Morning Wrap or its suppliers/subsidiaries. Your use of the software is governed by the terms of any licence agreement that may accompany or be included with the software. Do not install or use any of this software unless you agree to such licence agreement. Morning Wrap is not responsible for any technical or other issues that may happen if you download third party software. 

8.Our Responsibilities to You 

A summary of what this section means: this section is important and you should read it carefully. It makes clear to what extent, if any, Morning Wrap accepts responsibility (liability) to you for your use of the MW content or in respect of any third party products or services that we refer to or link to. We accept no financial responsibility to you arising from your use of the MW content. 

In no circumstances do we accept responsibility for your use of Third Party Sites or in respect of any Third Party Products. By Third Party Sites we mean websites, online or mobile services provided by third parties, including websites of advertisers and sponsors that may appear in MW content. By Third Party Products we mean products or services provided by third parties. 

Although this means that we do not accept financial responsibility for your use of the MW content, we think this is fair on the basis that you can view content and services free-of-charge. It is not commercially possible for us to accept more responsibility for your use of the MW content than set out in this Section taking into account that we permit you to use the MW content at zero cost. 

Limitations of MW content: 

The MW content (including any information we publish regarding Third Party Products) is only for your general information and entertainment purposes and is not intended to address your particular requirements. In particular, the MW content, including UGC and any other content provided by third parties and distributed by Morning Wrap, does not constitute any form of advice, recommendation, representation, endorsement or arrangement by Morning Wrap. It is not intended to be and should not be relied upon by users in making (or refraining from making) any specific investment, purchase, sale or other decisions. Appropriate independent advice should be obtained before making any such decision, such as from a qualified financial adviser. 

Any agreements, transactions or other arrangements made between you and any third party named on (or linked to from) Morning Wrap are at your own responsibility and entered into at your own risk. Any information that you receive via Morning Wrap, whether or not it is classified as ”real time”, may have stopped being current by the time it reaches you. Share price information may be rounded up/down and therefore may not be entirely accurate. 

What we promise: 

Morning Wrap promises to develop and operate Morning Wrap with reasonable skill and care and will use reasonable efforts to promptly remedy any faults of which it is aware. 

What we do not promise: 

Morning Wrap does not provide any other promises or warranties about Morning Wrap and the MW content. Morning Wrap and the MW content are provided on an “as is” and “as available” basis. This means that Morning Wrap does not make any promises in respect of Morning Wrap or the services and functions available on or through Morning Wrap or of the quality, completeness or accuracy of the information published on or linked to from Morning Wrap other than as expressly stated above. 

The above disclaimers apply equally to your use of Morning Wrap and all MW content. Without limiting the above, Morning Wrap is not liable for matters beyond its reasonable control. Morning Wrap does not control third party communications networks (including your internet service provider), the internet, acts of god or the acts of third parties. 

Our financial responsibility to you: 

You agree that if we are in breach of these terms and conditions, we will only be responsible to you for any damages that you incur arising out of your use of Morning Wrap or the MW content (to the extent that Morning Wrap’s liability is not otherwise excluded by this section 9) as follows: 

If you incur any loss as a result of using Morning Wrap or any MW content outside the scope of these terms and conditions, Morning Wrap accepts no responsibility (liability) to you for this. 

You will be responsible for all claims, liabilities, damages, cost and expenses suffered or incurred as a result of your breach of these terms and conditions. 

Morning Wrap will not be responsible to you for any loss or damage suffered by your business, such as lost data, lost profits or any business interruption. 

The limitations of liability in this section apply for the benefit of Morning Wrap, its affiliates, including those listed in section 5 and all of their respective officers, directors, employees, agents or any company who we transfer our rights and obligations to in accordance with these terms and conditions. 

To the full extent permitted by law you acknowledge and agree that our third party content and data suppliers have no liability whatsoever to you in respect of any of their data supplied to you as part of the MW content. 

Morning Wrap’s liability will not be limited in the case of death or personal injury directly caused by MORNING WRAP’s negligence in those countries where it is unlawful for Morning Wrap to seek to exclude such liability. 

9.Choice of Law and Jurisdiction 

These terms and conditions will be subject to the law of Singapore. In this case, to the extent possible in the applicable jurisdiction, both you and we agree that the courts of Singapore will (subject to the final paragraph in this Section 10) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms and conditions. 

10.General 

You may not license or transfer any of your rights under these terms and conditions. We may transfer any of our rights or obligations under these terms and conditions to any company within the Morning Wrap group of companies but if we do so we will ensure that any company to whom we transfer our rights or obligations will continue to honour your rights under them. 

If any provision of these terms and conditions is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these terms and conditions, which will remain in full force and effect. 

Failure by either party to exercise any right or remedy under these terms and conditions does not constitute a waiver of that right or remedy. Headings in these terms and conditions are for convenience only and will have no legal meaning or effect. 

These terms and conditions constitute the entire agreement between you and the Morning Wrap relating to your use of the MW content, Morning Wrap’s mobile and other online services, the daily Wrap newsletter and the Content. They supersede all previous communications, representations and arrangements, either written or oral. 

11.Content ownership 

All MW content belongs to Morning Wrap or its licensors who own all intellectual property rights (including copyright and database rights) in the MW content and any selection or arrangement of the MW content. No intellectual property rights in any MW content are transferred to you. ”Morning Wrap” is the registered trademark and you may not use them without written permission from Morning Wrap. You are permitted to use MW content only as set out in our Copyright Policy. 

12.Changes to Terms and Conditions 

These terms and conditions were published on 30 September 2020 and replace with immediate effect the terms and conditions previously published (if any).