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Last Updated: 20 Nov 2017







Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by KKOPTER unless otherwise indicated.


Use of Information & Material

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorised use of KKOPTER's web sites and systems including but not limited to unauthorised entry into KKOPTER's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Information and materials displayed on this Website may only be used for personal purposes and must retain all copyright and other proprietary notices contained on the information or materials. Information and materials displayed or generated on this Website may not be distributed, modified, transmitted, reused, reposted, or be used for public or commercial purposes, including the text, images, audio, and video without KKOPTER’s prior written permission.

No Warranty

The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". KKOPTER does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials.

Limitation of Liability

In no event will KKOPTER be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if KKOPTER, or representatives thereof, are advised of the possibility of such damages, losses or expenses.


All information submitted to KKOPTER via this site shall be deemed and remain the property of KKOPTER and KKOPTER shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides KKOPTER through this site. KKOPTER shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the KKOPTER entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing KKOPTER's responsibilities and obligations to customers.



This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.



This disclaimer is related to the KKOPTER official corporate Facebook account Content available from KKOPTER Facebook page is for the purpose of disseminating information free of charge for the benefit of the public.


KKOPTER does not guarantee, and accepts no legal liability whatsoever arising from or connected to, the accuracy, reliability, currency or completeness of any material contained on its Facebook page or on any linked site.

KKOPTER recommends that users exercise their own skill, care, common sense and judgment with respect to their use of AXA SINGAPORE's Facebook page and that users carefully evaluate the accuracy, currency, completeness and relevance of the material on the website for their purposes. The term "user" shall include any reader of KKOPTER's Facebook page, whether or not that person follows the KKOPTER's Facebook page.

The material on KKOPTER's Facebook page is a summary only of the subject matter covered and is not intended to be nor should it be relied on as a substitute for professional advice. Users should obtain any appropriate professional advice relevant to their particular circumstances.

The material on KKOPTER's Facebook page may include the views or recommendations of third parties, which do not necessarily reflect the views of KKOPTER, or indicate its commitment to a particular course of action.


KKOPTER's Facebook page may contain links to other websites that are external to KKOPTER. KKOPTER takes reasonable care in linking to websites but has no direct control over the content of the linked sites, or the changes that may occur to the content on those sites. It is the responsibility of the user to make its own decisions about the accuracy, currency, reliability and correctness of information contained in linked external websites.

Links to external websites do not constitute an endorsement or a recommendation of any material on those sites or of any third party products or services offered by, from or through those sites. Users of links provided by KKOPTER's Facebook page are responsible for being aware of which organisation is hosting the website they visit.


More generally, any content, views, opinions and/or responses to questions uploaded, expressed or submitted by the creators, sponsors, advertisers or users of KKOPTER's Facebook page utilised by KKOPTER, other than the content provided by KKOPTER, are solely the views, opinions and responsibility of the person submitting them and do not necessarily reflect the opinions of KKOPTER. KKOPTER is not responsible for content that third parties publish, post, upload, distribute, disseminate or claim

While KKOPTER will endeavour to maintain the currency and accuracy of information published via KKOPTER's Facebook page, KKOPTER does not warrant the accuracy, completeness or usefulness of the information available on its Facebook page.


KKOPTER, its subsidiaries, staff, agents and contractors, accept no liability in any way for the currency, accuracy or completeness of any material posted on its Facebook page and disclaims all responsibility for any loss or damage which may arise from the use of information provided via this vehicle.


Users should check the accuracy and currency of information before taking any action. Any reliance a user places on such information is strictly at his/her own risk.


KKOPTER may include links or references to other web pages or sites as part of its tweet postings, but these links are not an endorsement of their content. In more general terms, KKOPTER is not responsible for the content of any web site not operated by KKOPTER.


As such, KKOPTER:

  • does not control or guarantee and can therefore not be held responsible for the accuracy, relevance, timeliness or completeness of information contained on a linked website;

  • does not endorse, support or agree with the organisations sponsoring linked websites or the views they express or the products/services they offer;

  • cannot and does not authorise the use of copyrighted materials contained in linked websites: users must request such authorisation from the sponsor of the linked website.



Users are reminded that KKOPTER's Facebook page constitutes a public space on the internet and interactions are publicly viewable and searchable over time. Facebook provides its own disclaimers and policies on collection and use of visitor information, over which KKOPTER has no control. KKOPTER encourages users to familiarise themselves with the terms of use of Facebook before use.



KKOPTER will not guarantee to reply individually to comments and messages received via its Facebook page. Likewise, if a user follows KKOPTER on Facebook, KKOPTER will not automatically follow him/her back. For responses to queries or complaints, please consult KKOPTER's corporate website at for the appropriate channels of information.


Comment Moderation

While KKOPTER does not wish to stifle conversation on its Facebook page, users must not post or upload any comments or links to KKOPTER's Facebook page that are unlawful, or may defame, discriminate, offend, interfere with privacy or infringe copyright or other intellectual property rights. KKOPTER reserves the right to moderate comments and may remove any comments that, in KKOPTER's opinion, are inappropriate.


Term of Use

KKOPTER takes a strong stance on deleting content which could be discriminatory, hateful or threatening and actions which may offend, insult, humiliate or intimidate.


When contributing views to KKOPTER's Facebook page, the user should ensure that they:

  • Do protect his/her personal privacy and that of others (including his/her customers) by not including personal information about himself/herself or others in his/her comments, (such as names, email addresses, private addresses or phone numbers);

  • Do post material to KKOPTER's Facebook page that is relevant to the issues being consulted on;

  • Do represent his/her own views and do not impersonate or falsely represent any other person;

  • Do not abuse, harass or threaten others;

  • Do not make defamatory or slanderous comments;

  • Do not use insulting, provocative or hateful language;

  • Do not use obscene or offensive language;

  • Do not post material to the forum that infringes the intellectual property rights of others;

  • Do not post multiple versions of the same view to the forum;

  • Do not incite, encourage or make reference to conduct that may constitute a criminal or civil offence or otherwise violate national laws;

  • Do not promote commercial interests in his/her posts to KKOPTER's Facebook page;

  • Do not post comments promoting personal professional interests;

  • Do not include internet addresses, videos, images or any email addresses, in his/her contribution.


Do not post anything which:

  • racially or religiously vilifies others;

  • incites, induces or aids violence, discrimination, harassment, victimisation or hatred towards others, or;

  • is likely to offend, insult or humiliate others, particularly on the basis of their race, colour, descent, national origin, religion, ethnicity, gender, age, sexual orientation or any disability.


Moderation Policy

KKOPTER expects that users will treat each other with respect. KKOPTER will delete posted comments that contain vulgar or abusive language, pornography, personal attacks of any kind, offensive terms that target specific ethnic or racial groups or incite violence. KKOPTER will delete comments that are spam, are clearly "off topic" or that promote services or products. Comments that make unsupported accusations will also be taken out of the discussion.


KKOPTER does not undertake to inform users when their comments and posts are moderated, however KKOPTER will warn and take appropriate action to suspend and expel users who regularly and consistently submit inappropriate content. Repeat offenders may be blocked from using KKOPTER's Facebook page indefinitely.

  • The use of vulgar, offensive, threatening or harassing language is prohibited;

  • KKOPTER's Facebook page is not open to the promotion or advertisement of a business or commercial transaction;

  • This moderation policy is subject to amendment or modification at any time to ensure its continued use is consistent with its intended purpose.




KKOPTER will monitor and remove as soon as feasibly possible any abnormal cyber activity that appears to be a cyber threat or cybercrime such as phishing or hacking.


Important Legal Information and Cautionary Statements Concerning Forward-Looking Statements

Important Legal Information and Cautionary Statements Concerning Forward-Looking Statements Certain statements contained on KKOPTER's Facebook page may contain forward-looking statements, including, but not limited to, statements that are predictions of or indicate future events, trends, plans or objectives. Undue reliance should not be placed on such statements because, by their nature, they are subject to known and unknown risks and uncertainties. KKOPTER undertakes no obligation to publicly update or revise any of these forward-looking statements, whether to reflect new information, future events or circumstances or otherwise.


Our Contact Information

Please contact us with any questions or comments about this Policy or our data practices by email at



150, South Bridge Road, #B1-30, Fook Hai Building, Singapore 058727



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