Online Content

For the avoidance of doubt, these Terms and Conditions are an integral part of the Member Terms and Conditions (“Member Conditions”) and the Website Terms And Conditions  (“Website Conditions”), which should all be read as a whole.

In the event of any conflict, inconsistency or ambiguity between these Terms and Conditions, the Member Conditions and/or the Website Conditions, the following descending order of precedence will apply: (i) these Terms and Conditions, (ii) the Member Conditions, (iii) the Website Conditions.

1. Definitions
1.1 All defined terms in the Website Conditions and Member Conditions, apply to the terms and conditions below unless specifically defined.
2. Online Content Services by Subscription
2.1 The following provisions shall apply where access to some or all of the FMG Content is available via a subscription service subscribed on or via the Site (“Online Subscription Service”):
2.1.1 FMG does not guarantee that the said FMG Content will remain available as an Online Subscription Service. FMG reserves the right to alter the Online Subscription Service, the types of services offered on or via the Site, the subscription period and the fees for such Online Subscription Service.
2.1.2 You agree to pay any subscription fees and other charges for the Online Subscription Service at the rates in effect when the fees and charges are incurred (“Fees”).  No cancellation or early termination of the Online Subscription Service by you is allowed, and subject to Clause 8.3 and Clause 8.4 of the Member Conditions, all paid Fees are non-refundable. In the event of any cancellation or early termination of the Online Subscription Service by you, you agree to pay FMG the unpaid balance of the Fees. If an Online Subscription Service was subscribed to during any promotion where a discount or special consideration was given in return for a commitment to a minimum service period, an administrative fee of $100 (or such other amount reasonably related to the extent of the discount or special consideration and the duration of the subscription period, as determined in the sole discretion of FMG) may be imposed by FMG for any cancellation or early termination of an Online Subscription Service by you..
2.1.3 Unless otherwise indicated, the Online Subscription Service will automatically renew for further period(s), each equivalent to the duration of the contracted subscription period, (each a “Renewal Term”) and you agree to be charged the Fees for the Renewal Term using the payment method currently associated with your Account, if any.  You may cancel the automatic renewal at least three (3) days but no more than thirty (30) days (or such other period specified by FMG) before the expiry of the current subscription period, by notifying FMG via the details at, or as otherwise specified by FMG for this purpose.
2.1.4 Any gifts offered for subscribing to the Online Subscription Service are subject to availability of stocks.  Where available, the colour and model of the gift may vary from the sample shown.  If the selected gift is unavailable for any reason, FMG reserves the right to replace it with another product of similar value at its discretion. FMG is also entitled to withdraw any gift offered if FMG, in its sole and absolute opinion, determines that you have (i) abused the benefit through incidences that include but are not limited to frequent changes of subscription plans, or (ii) declared false or misleading information in the subscription form.
2.1.5 In order to subscribe to an Online Subscription Service, you must provide us with complete and accurate payment information.
2.1.6 By submitting credit card and/or other payment details to FMG you warrant that you are entitled to purchase the Online Subscription Service using those payment details.  In the case of unauthorised payments, FMG reserves the right to suspend or terminate your access to the Online Subscription Service. If we do not receive payment authorisation or any authorisation is subsequently cancelled, we may immediately terminate or suspend your access to the relevant Online Subscription Service.
2.1.7 Your application for Online Subscription Services is subject to our acceptance.  FMG will try to process your subscription promptly but does not guarantee that the Online Subscription Service will be available to you by any specified time, even if an estimated time is indicated.  A contract with you for receipt of the Online Subscription Service will come into effect only when FMG sends you an email confirming your subscription.
2.1.8 FMG reserves the right to restrict, suspend or terminate your subscription to the Online Subscription Service if you breach any applicable these terms and conditions, with or without notice and without further obligation or liability to you.
2.1.9 FMG will charge you in Singapore Dollars and any applicable taxes shall be payable by you.
2.1.10 You agree and consent to FMG collecting, using and disclosing (including disclosing to FMG’s authorised service providers) your personal data for purposes related to your subscription for the Online Subscription Service as set out in the Privacy Policy.

(Last updated on 2 July 2014)