Terms of Service

Terms of Services

Please Read Carefully.

Last Updated:  July 8, 2020


The services Create Your Story (hereinafter “Company”, “we,” “our,” and “us”) provides to you are subject to the terms and conditions set forth herein (“Terms of Service”), which governs your access and/or use of this website, our platform and/or use of any mobile versions, content, courses, programs, materials, blogs, podcasts, products, services, event listings, live conferences, and any websites that the Company may have now and/or in the future (collectively the “Services”).

By purchasing courses, attending a course or live event and/or using the Services, you signify your agreement with this Terms of Service and are entering into a legally binding agreement with the Company.  Please read this Terms of Service carefully.  If you do not accept this Terms of Service, now or in the future, please stop your use of the Services immediately, in which case any continuing access and/or use of the Services is unauthorized.  You further acknowledge that you are using the Services for your own sole purpose and not for the benefit of a competitor.



You also agree to the Company’s privacy policy (“Privacy Policy”) and consent to any personal information we may obtain about you being collected, stored, and/or otherwise processed in accordance with the Privacy Policy and this Terms of Service.


Subject to the conditions set forth herein, the Company may, at any time, in its sole discretion, make changes to the Services, including its look, feel, format and content.  Any revisions to this Terms of Service will take effect when posted on the Service unless otherwise stated.  In the event a revised version includes substantial changes, the Company will provide additional forms of notification as it deems necessary in its sole discretion.  The Company may make such changes to the terms and conditions contained herein and your continued use of the Services following such changes will constitute your acceptance of such changes. The Company will provide a notice of such changes by posting the updated Terms of Service on the website and changing the “last updated” date listed above.


Eligibility.  The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers get parental consent before they knowingly collect personally identifiable information online from children under the age of thirteen (13).  We do not knowingly collect or solicit information from children under the age of thirteen (13).  You represent that you are over the age of eighteen (18) and are the intended recipient of the Services.  You may not access and/or use the Services for any purpose if either of the representations in the preceding sentence is not true.  We may, in our sole discretion, refuse to offer the Services to any person and/or entity and change its eligibility criteria at any time.  If we learn we have collected personal information from a child under the age of thirteen (13), we will delete the information, so please contact us if you think a child has provided us personal information.

Use of Services and Availability.  The Company retains the right, in our sole and absolute discretion, to deny service and/or access to and/or use of the Services to anyone at any time and for any reason without liability. While we use reasonable efforts to keep the Services accessible, the Services may be unavailable from time to time.  You understand and agree that there may be interruptions to the Services and/or access to your account due to circumstances both within our control (e.g., routine maintenance) and outside of the Company’s control. The Services may be modified, updated, suspended and/or discontinued at any time without notice and/or liability.

Creating an Account.  You may establish an account through the Services.  Without creating an account, you will be able to browse our website, which merely features information about the Services and related materials, but you will not be able to use and/or access certain of our Services.   Your account requires you to (i) indicate agreement to this Terms of Service, (ii) provide contact information, and (iii) submit any other form of authentication required during the enrollment process, as determined by the Company in its sole and absolute discretion.  If you establish an account with the Company, you agree to provide true, accurate and current information in connection with your account.  You are responsible for updating and correcting information you have submitted to create and/or maintain your account.  Any usernames and passwords used for the Services are for individual use only.  You are solely responsible for maintaining the security and confidentiality of the password you use to access your account.  You understand and agree that the Company shall have no responsibility for any incident arising out of, or related to, your account settings.  The Company will assume that anyone using the Services and/or transacting through your account is you.  Therefore, you further agree to immediately notify the Company of any unauthorized use of your password and/or account and/or any other breach of security.  You may only create and hold one (1) account that you are solely responsible for managing and are prohibited from using other disguised identities when using the Services.  We may refuse to grant you an account with a name that impersonates someone else, if it may be illegal, vulgar, offensive, and/or if it may be protected by trademark and/or other proprietary rights, as determined by the Company in its sole and absolute discretion.  Your account is non-transferrable and may not be sold, combined and/or otherwise shared with any other person.  If you violate this Terms of Service we may terminate your account immediately.  Upon termination, the provisions of this Terms of Service that are by their nature intended to survive termination (including without limitation any disclaimers, limitations of liability and indemnities) shall survive such termination.

If we terminate your account, you may not subscribe under a new account unless we formally invite you. If you commit fraud and/or falsify information in connection with your access to and/or use of the Services, your account will be terminated immediately and we reserve the right to hold you liable for any and all damages that we suffer, and we may pursue legal action through relevant local and national law enforcement authorities and may notify your ‘Internet Service Provider’ of any fraudulent activity we associate with you and/or your access to and/or use of the Services.

Communications from the Company.  By using the Services, you agree to receive certain communications in connection with the Services.  When you access and/or use the Services, you are communicating with us electronically, and you consent to receive communications from us electronically including but not limited to notices related to the Services provided to you via email.  You agree that all agreements, notices, disclosures and/or other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.Your consent to receive records and notices electronically will remain in effect until you withdraw it.  You may withdraw your consent to receive further records and notices electronically at any time by contacting us.  If you withdraw your consent to receive such records and notices electronically, we will revoke your access to the Services.  Any withdrawal of your consent to receive records and notices electronically will be effective only after we have a reasonable period of time to process your request for withdrawal.

Your Responsibilities.  Company grants you the rights set forth herein, subject to the following conditions:


  • You may not access all or any part of the Services in order to build a product or service which competes with the Services;
  • You shall not obtain or attempt to obtain any data through any means from the Services, except if we intend to provide and/or make it available to you;
  • You shall not pretend to be someone else, use someone else’s identify or misrepresent your affiliation with a person or entity;
  • You shall not copy or imitate part or all of the design, layout, and/or look-and-feel of the Services and/or individual sections of it, in any form or media;
  • You will use commercially reasonable efforts to prevent unauthorized access to and/or use of the services and content provided on the Services, and to notify Company promptly of any such unauthorized access and/or use; and
  • You shall not use the Services for any unlawful purpose and/or to violate any federal, state, international law, code of conduct and/or other guidelines which may be applicable to the Services provided.

The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Services without the prior written consent of Company is strictly prohibited.


Occasionally there may be information on the Services that contain typographical errors, inaccuracies, and/or omissions that may relate to service and/or course descriptions, pricing, offers, Services and availability.  We reserve the right to: (i) revoke any stated offer; (ii) correct any errors, inaccuracies, and/or omission; and/or (iii) make changes to prices, content, promotion offers, service and/or product descriptions and/or other information without obligation to issue any notice of such changes, except as prohibited by law. The Services will include resources, virtual products and the fundamental business concepts.  However, you acknowledge that while the Service will be comprehensive, completion of a course and use of the Service does not guarantee results.  You further acknowledge and agree that the Company makes no guarantee, express or implied, regarding the Services, courses and/or any improvement in your business, personal life, skills and/or income.


Intellectual Property.  The Services, any content on the Services and the infrastructure used to provide the Services are proprietary to the Company, our affiliates, and other content providers.  By using the Services and accepting this Terms of Service: (a) the Company grants you a limited, personal, nontransferable, nonexclusive, revocable right to access and use the Services pursuant to this Terms of Service and to any additional terms and policies set forth by the Company; and (b) you agree not to reproduce, distribute, create derivative works from, publicly display, publicly perform, license, sell and/or re-sell any content, courses, software, products and/or services obtained from and/or through the Services without the express written permission of the Company.

Reservation of Rights.  The content, headers, videos, illustrations, photographs, graphics, icons, trade dress and/or other information on the Service (“Content”), as well as the organization and/or layout of the Service, are copyrighted and are protected by Singapore and international copyright laws and treaty provisions.  The Company owns, controls, lawfully uses and/or licenses the Content on the Service.  The Company’s name and logo may not be copied, imitated and/or used, without the Company’s prior written permission.  Subject to the limited rights expressly granted hereunder, the Company and/or its third party providers reserve all right, title and interest in and to the Services and Content, including all related worldwide intellectual property rights.  You are acquiring no other right to use artwork, designs, trade secrets, trade names, copyrighted materials, trademarks, or service marks of the Company or its affiliates or agents.  No rights are granted to you hereunder other than as expressly set forth herein.

Create Your Story is the trademark of the Company. Other names appearing on the website may be trademarks of their respective owners.

Copyright © 2020, Create Your Story. All rights reserved.

Feedback.  If you provide us (in a direct mail, email and/or otherwise) with any feedback, suggestions, improvements, enhancements, recommendations and/or feature requests relating to the Services (“Feedback”), then you further grant the Company a worldwide, perpetual, irrevocable, royalty-free license to use and incorporate any such Feedback.  The Company has no obligations to review any Feedback and may use and redistribute Feedback for any purpose without restriction in its sole and absolute discretion.


Materials.  The Company may provide materials to you including but not limited to:  all information related to the Company to which you have access, whether in oral, written, graphic or machine-readable form, in the course of or in connection with your use of the Services, including but not limited to notes, recordings, courses, chats, analyses, phone-calls, studies, videos, books, tests, and other aids, procedures, techniques, operating methods, know-how, processes, formulas, source and object codes, data, improvements, plans, and/or marketing information and any other information which could reasonably be expected to benefit competitors of the Company (collectively, “Materials”).  You understand that the Materials that you receive are confidential and proprietary to the Company, and shall not be sold, loaned, rented, given away, distributed, advertised for sale on the ‘Internet’ and/or through any other medium, and/or exploited in any manner.  Upon purchase of a course, event or subscription, as applicable, the Materials provided to you are for your sole use and are not to be shared with others.

Prohibited Conduct.  You may download, store, display on your computer, view, listen to, play and print Materials that the Company publishes or broadcasts on the Service or makes available for download through the Service subject to the following: (a) the Materials may be used solely for your personal, informational, noncommercial purposes; (b) the Materials may not be copied, modified or altered in any way; (c) the Materials may not be publicly displayed; and (d) the Materials may not be redistributed.  You further agree that you will not copy or cause to be copied and/or reproduce in any manner, electronic and/or otherwise, any of the Materials, any notes based on the Materials and/or any notes based on the courses or programs you take or otherwise participate in.  The commercial use, reproduction, transmission or distribution of any Materials available through the Service without the prior written consent of the Company is strictly prohibited.  You agree that you will not tape-record, video-record, transmit, photograph, and/or otherwise reproduce the Materials and/or any and all courses that you get access to through the Service.

You will not, except as expressly authorized in this Terms of Service: (a) use, copy, merge, or make derivative works of the Services, Content or the Materials provided on or through the Service; (b) rent, lease, sublicense, distribute, transfer, copy, modify, or timeshare your login or any of your rights under this Terms of Service; (c) provide unauthorized third parties with access to or use your login information; (d) reverse engineer, disassemble, decompile, or otherwise attempt to access the source code of the Services, except and only to the extent that such activity is expressly permitted by applicable law; (e) use automated scripts to collect information or otherwise interact with the Service in an unauthorized manner; (f) use the Services in any unlawful manner or in any manner that could harm or disable createyourstory.sg; (g) use the Service to upload, post, send, store, or otherwise transmit any content that the Company finds objectionable; or (h) use the Services after any expiration, termination, or cancellation of this Terms of Service or the license granted herein.

Breach of this Section may result in irreparable and continuing damage to the Company for which monetary damages may not be sufficient, and you agree that the Company will be entitled to seek, in addition to its other rights and remedies hereunder or at law, injunctive or all other equitable relief as may be proper from a court of competent jurisdiction.


As a condition of your use of the Services, you agree not to use the Services, Materials or Content provided on or through the Service, for any purpose that is unlawful or prohibited by these Terms of Service or the rules, guidelines or Terms of Service posted for a specific area of the website or content provided on or through the Service.


The Company reserves the right, but generally does not, and has no obligation in any way, to monitor the Services or screen content that is shared on or through the Services. The Company, however, reserves the right to review the Services and content and to monitor all use of and activity on the Service, and to remove or choose not to make available on or through the Service any content in its sole and absolute discretion. The Company may remove content that is confidential or proprietary to a third party without that third party’s permission.  The Company reserves the right to take any action it deems necessary to protect the personal safety of our guests and/or the public.  The Company has no liability or responsibility to users of the Services and/or any other person and/or entity for performance and/or nonperformance of the aforementioned activities.


General.  In consideration for the Company’s provision of the Services, you agree to pay the Company the fees set forth in each course, event and/or membership that you enroll in through the Services.  Please note that the Company must receive full payment in order for you to have access to the applicable Services.  You are responsible for all fees, including without limitation taxes, associated with your use of the Services. You shall pay all fees due hereunder by providing a valid payment and/or credit card and all fees shall be payable in Singapore dollars within Singapore. By agreeing to this Terms of Service, you hereby give the Company permission to charge the credit card, bank account, or other approved method of payment associated with your account for fees associated with use of the Services. All fees due and payable by you to the Company under this Terms of Service must be paid in full without any deduction, set-off, counterclaim or withholding of any kind unless required by law.

Membership Fees.  In consideration of the provision of the membership subscription described through the Service, you agree to pay the Company the fees (including without limitation membership/subscription fees for the membership option that you select during your sign up process) in accordance with the terms and conditions contained herein.  Based on your initial enrollment, you will be automatically charged the membership subscription fee for the Services based on the recurrence selected at the time of payment.  Such fees are non-refundable, notwithstanding your cancellation of the membership in the Service.  Notwithstanding anything herein to the contrary, membership fees and charges are subject to change by the Company at any time upon fifteen (15) days prior notice to you.

Payment Processor.  The Company uses third party service providers such as PayPal (“PayPal”) and Stripe, Inc. (“Stripe”) and their respective APIs, to execute online payment transactions related to your account.  By using the Services and agreeing to this Terms of Service, you also agree to be bound by our third party processor’s terms of service, as applicable.  Any authorization you provide to make automatic payments using the Service will remain in effect until cancelled.  You are responsible for all transactions (one-time, recurring, and refunds) processed through the Service and/or third party payment processor.

No Refunds.  All fees are nonrefundable and are not subject to set-off unless otherwise agreed to by the Company in its sole and absolute discretion.  You acknowledge and agree that we will charge your designated payment method for fees upon your initial account set-up and service selection.  Therefore, and in consideration of the Services provided by the Company, you agree that once our service provider charges your designated payment method for the fees as provided in this Terms of Service and on the Services, the charge is non-refundable, except as otherwise required by applicable law.  To the extent permitted by applicable law, you agree not to ask your credit card company or bank to charge back any fees charged pursuant to this Terms of Service.


This Terms of Service will remain in full force and effect exclusively, until either party requests to terminate the relationship. The rights granted by Company to use the Services is predicated upon your (a) acknowledgment and acceptance of this Terms of Service; (b) payment for the access granted; and (c) agreement to not share the access granted with any other person or entity. We may terminate your account and/or your access to all or any part of the Services at any time, with or without cause, with or without notice, effective immediately, which may involve deletion of your content associated with your account from our databases, without liability. You will have the ability to terminate the Services at any time, for any reason, upon ten (10) days prior written notice to the Company. Upon termination, you agree to immediately discontinue use of the Services and/or related services that were promoted through the Services, and must provide a certified statement indicating compliance with this provision upon Company’s request. If you violate, or if we have grounds to suspect that you violated, this Terms of Service and/or other use parameters included on the Services, we reserve the right to suspend and/or terminate your account, and/or refuse your use of the Services (or any portion thereof) at any time.  In the event you fail to pay for the access granted, and/or share the access granted with any person and/or entity, and/or misuse the system by any means actionable under a federal, state, and/or local statute, code, regulation, law, and/or civil action, the Company will consider the user’s access as having been acquired by fraud and/or misrepresentation and will terminate your access immediately.  In such a case, the Company retains the right to seek civil and/or criminal redress, the entire cost of which shall be borne solely by the you.


You agree to indemnify, defend and hold harmless the Company, its officers, directors, employees and agents from and against any and all claims, liabilities, damages, losses, demands, proceedings, awards, fees, expenses and/or liabilities of any, including reasonable attorneys’ fees and costs nature (collectively “Claims”), due to or arising out of and/or in relation to (i) content that you share, (ii) your violation or breach of this Terms of Service or any additional rules, guidelines or Terms of Service posted for a specific area of the website or Content provided on or through the Services,(iii) your use of the Company’s Services, (iv) your violation, trespass, contravention and/or breach of any third party intellectual property rights, and/or the unauthorized use, infringement and/or misappropriation of any trade secret of any third party; (iv) fraud you commit and/or your intentional misconduct and/or negligence. You shall give prompt notice to Company upon your receipt of notice of any Claim against you which might give rise to a claim against Company.

You acknowledge and agree that by accessing or using the Services, you may be exposed to materials (including shared group content) from others that you may consider offensive, indecent or otherwise.  Furthermore, you understand and agree that some events may carry inherent risk, and by participating in such events, you choose to assume those risks voluntarily.  For example, some events may carry risk of illness, bodily injury, disability or death, and you freely and willfully assume those risks by choosing to participate in those events.


You hereby agree to release Company from all damages (whether direct, indirect, incidental, consequential or otherwise), losses, liabilities, costs and expenses of every kind and nature, known and unknown, arising out of a dispute between you and a third party (including other users or participants) in connection with the Services or any event listed on the Services.  In addition, you waive any applicable law or statute, which says in substance:  “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE RELEASED PARTY.”


The Services may be made available and/or accessed in connection with third party services and content that Company does not control.  This website contains links to websites and access to content, products and services of third parties, including users, advertisers, affiliates and sponsors of the website. The Company may post advertisements of third parties through the Services, including without limitation promotions of advertisers, location based-ads, and/or sponsors showing their goods and services. Your correspondence, participation in, and/or any other dealings with third parties found through the Services are solely between you and such third party.  The Company is not responsible for third party content provided on or through the Services or for any changes or updates to such third party websites, and you bear all risks associated with the access to, and use of, such websites and third party content, products and services.

Linked Sites.  The Services may provide links to various other independent third-party websites (“Linked Sites”) that may be of interest to you and for your convenience only.  The Company does not control and/or endorse such Linked Sites and is not responsible for their content nor is it responsible for the accuracy and/or reliability of any information, data, opinions, advice or statements contained within such Linked Sites.  You will need to make your own independent judgment regarding your interaction with these Linked Sites at your own risk. We encourage you to be aware when you leave the Services and to read the terms and conditions and privacy policy of each Linked Site that you visit. The Company reserves the right to terminate any link and/or linking program at any time. The Company disclaims all warranties, express and implied, as to the accuracy, validity, and legality and/or otherwise of any materials or information contained on such Linked Sites.

You may not link to the Services without our written permission. If you are interested in linking to the Services, please contact legal@createyourstory.sg.


You expressly understand and agree that, to the maximum extent permitted by applicable law:

Except where expressly provided otherwise, the website, materials and all content provided on or through the services, are provided on an “as is” and “as available” basis without any representations and/or warranties of any kind. the company expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement, quiet enjoyment, merchantability, and/or fitness for a particular purpuse, systems integration, accuracy and from course of dealing, usage and/or trade practice, with respect to the website, material and all content provided on or through the service.  Without limiting the foregoing, the company and/or its licencors makes no warranty that: (a) the website, material or content will meet your requirements; (b) the website will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the website, materials or any content provided on or through the service will be accurate or reliable; or (d) the quality of any content purchased or obtained by you on or through the website will meet your expectations. no advice and/or information, whether oral or written, obtained by you from the company and/or through and/or from use of the services shall create any warranty not expressly stated in this terms of service. you assume total responsibility and the entire risk for your use of the services.

Any content or materials accessed, downloaded or otherwise obtained on or through the use of the website is used at your own discretion and risk. the company has no responsibility for any damage to your computer system or loss of data that results from the download or use of content.


Your use of the services and content is at your own risk. In no event shall company, its officers, directors, employees, partners, licencors, and/or suppliers be liable to you and/or anyone else for any direct, indirect, incidental, special or consequential damages, punitive or damages whatsoever, including without limitation loss of profits, revenue, data or data use, incurred by you or any third party, whether in an action in contract or tort, whether or not foreseeable, regardless of the form of action, whether in contract, tort (including negligence), warranty, strict liability, and/or any other legal or equitable theory, even if company has been advised of the possibility of such damages in advance. The foregoing shall apply despite any negligence, misconduct, errors and/or omissions by the company, its employees, representatives and/or agents.


Please be aware that our Services are directed to those individuals and entities located in Singapore, and are subject to Singapore laws, including laws governing privacy and security of your information. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Services and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on the Services. Those who choose to access the Services from other locations do so at their own risk and are responsible for compliance with applicable local laws. This Terms of Service is written in English. To the extent any translated version of this Terms of Service conflicts with the English version, the English version controls. In the event you are using the Services outside of Singapore, you agree as follows: (i) you consent to having your personal data transferred to and processed in Singapore; (ii) if you are located in a country embargoed by Singapore; and/or (iii) you will not use the Services if you are prohibited from receiving products, services or software originating from Singapore.


The information available on the Services is intended to be a general information resource regarding the matters covered, and is not tailored to your specific circumstance. The Services are not a substitute for professional advice, and you should not construe this as legal, tax, accounting, financial, medical and/or other professional advice. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THE SERVICES IN CONSULTATION WITH YOUR INSURANCE SPECIALIST, AND/OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE. The Company does not, will not and cannot refer, recommend and/or endorse any specific professional service, product and/or procedures that are advertised on the Services.


You may have other agreements with the Company. Such agreements are separate and in addition to this Terms of Service. The Terms of Service do not modify, revise or amend the terms of any other agreements you may have with the Company.


The Company respects the intellectual property rights of others and expects you to do the same.  We reserve the right to: (i) terminate your account or any other user who infringes third-party copyrights, (ii) block access to and/or remove material that we believe in good faith to be copyrighted material that has been illegally distributed by you and/or other third parties, and/or (iii) remove and discontinue service to repeat offenders.  We will respond to clear notices of copyright infringement when you provide the following:

(i)     A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

(ii)    Identification of the copyrighted work claimed to have been infringed;

(iii)   Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled;

(iv)   Information sufficient to permit Company to contact you, such as your physical address, telephone number, and, if available, an electronic mail address;

(v)    A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

(vi)   A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Contact information for Company’s DMCA Agent for notice of claims of copyright infringement is Create Your Story: Address to be filled in.

The Copyright Agent will not remove content from the Services in response to phone or email notifications regarding allegedly infringing content, since a valid DMCA notice must be signed, under penalty of perjury, by the copyright owner or by a person authorized to act on his or her behalf. Please submit such notifications by ordinary mail only and as further described by this Section. The Copyright Agent should be contacted only if you believe that your work has been used or copied in a way that constitutes copyright infringement and that such infringement is occurring on the Services linked to and/or from the Services. All other inquiries directed to the Copyright Agent will not be responded to.


Disputes.  We want to address your concerns without needing a formal legal case.  If a dispute between users ensues, we encourage the users to first try and engage in discussions, through the Services, to resolve the matter on their own. Before filing a claim against Company, you agree to try to resolve the dispute informally by contacting us at legal@createyourstory.sg within fifteen (15) days of the incident that is being reported.  We will try to resolve the dispute by contacting you via email, but if we cannot resolve the dispute within thirty (30) days of submission, you and/or Company agree to resolve any claims related to this Terms of Service through final and binding arbitration, except as set forth under ‘Exceptions to Agreement to Arbitrate’ section below and/or your ability to opt out as described below.

Opt-Out.  You can opt-out and decline this agreement to arbitrate by contacting Company within thirty (30) days from the date that you first became subject to this arbitration provision (i.e.: the date you initially accepted this Terms of Service).  You must write us at Company, Attn: Opt-Out Arbitration, Create Your Story, Address to be filled in.  If you opt out, neither you nor Company can require the other to participate in an arbitration proceeding.

Arbitration Procedures.  Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Company Confidential Information and/or intellectual property rights, or except in the event the claim meets the requirements set forth in the ‘Exceptions to Agreement to Arbitrate’ section below and/or if you opt-out of arbitration as described above, any and all controversies and/or claims arising out of or relating to this Terms of Service and/or the Services shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association. Any such controversy and/or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Cook County, Illinois, or any other location we agree to. All information relating to and/or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings. Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator’s decision and any award contained therein.

Exceptions to Agreement to Arbitrate.   Either you and/or Company may assert claims, if it qualifies, in small claims court in Chicago, Illinois. Either party may also bring a lawsuit for injunctive relief to stop unauthorized use and/or abuse of the Services, breach of Company’s confidential information, Content and/or use of Materials and/or intellectual property infringement (for example, trademark, trade secret, copyright and/or patent rights) without first engaging in arbitration and/or the informal dispute-resolution process described herein.

Judicial forum for disputes. In the event that the agreement to arbitrate is found not to apply to you and/or your claim, you and Company agree that any judicial proceeding (other than small claims actions) will be brought in the federal or state courts of Chicago, Illinois.  Both you and Company consent to the foregoing venue and jurisdiction.


The failure of the Company to exercise or enforce any rights or provisions in these Terms of Service will not constitute a waiver of such right or provision. If any part or provision of these Terms of Service is found to be unenforceable, such part or provision may be modified to make the Terms of Service as modified legal and enforceable. The balance of the Terms of Service will not be affected.


This Terms of Service and the Privacy Policy constitute the entire agreement between you and the Company. No waiver of any provision of this Terms of Service may be implied from any failure by the Company to assert its rights under this Terms of Service on any occasion or series of occasions. No vendor, distributor, dealer, retailer, or other person is authorized to modify this Terms of Service or to make any representation or warranty concerning the website, Materials or Content provided on or through the Service other than those specifically set forth in this Terms of Service.


All matters relating to your access to, and use of, the website, Materials and Content provided on or through or uploaded to the Services is governed by U.S. federal law or the laws of the State of Illinois. Any legal action, arbitration or proceeding relating to your access to, or use of, the website, Materials or Content will be instituted in Chicago, Illinois or Cook County, Illinois. You and the Company agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding.

Contact us: If you would like to request additional information regarding this Terms of Service, please contact us at legal@createyourstory.sg.