Terms of Use & Disclaimers

Please read this document carefully in full before you use this site as it sets out the terms and conditions subject to which we, the Asia Risk Management Institute (ARiMI), will allow you to use ARiMI website and the information contained within it. By using this website, you agree to be bound by the terms and conditions stated here in their entirety. If you do not accept these terms of use, please do not use this site.

Your use of the website is also governed by our “Privacy & Data Protection Policy”.


1.1 This website is on free and open access to the public. It is not necessary to register with us in order to visit and use this site.


1.2 All reasonable measures are taken by us to ensure that this Site is operational 24 hours aday, 7days a week. However, occasionally technical issues may result in some downtime and accordingly we will not be liable if this site is unavailable at any time.


1.3 The contents of the Website are protected against unauthorized use by copyright and other intellectual property laws. The contents of the Website are the Copyright © Asia Risk Management Institute unless otherwise stated. Use of such copyright will only be permitted within the scope of the license contained in your “License to use the Website” below.

1.4 The trademarks, names, logos and service marks (collectively “trademarks”) displayed on this Site are registered and unregistered trademarks of the Site owner and third party partners. Nothing contained on this Site should be construed as granting any license or right to use any trademark without the prior permission of the Site owner or of the owner of the trademark.


1.5 This site may be used for your own personal non-commercial purposes and in accordance with these terms of use.You may not sell or modify our site material or reproduce, display, publicly perform, distribute, or otherwise use the material in any way for any public or commercial purpose.

1.6 By accessing this site, you warrant and represent to the site owner that you are legally entitled to do so and make use of information made available via the site.

1.7 You may download and print material from this Site and use it to influence the way in which risk management is carried out in your place of work provided that you do not use it for commercial purposes.

1.8 You must not modify or reproduce any content you have printed off or downloaded in any way, without our prior written consent.


1.9 Throughout this Site you may find links to third party sites. The provision of a link to such a site does not mean that we endorse that site. ARiMI does not endorse, review, or warrant the accuracy or quality of the products or services offered by any external websites linked to our Website. If you visit any site via a link on our Website you do so at your own risk.

1.10 Any party wishing to link to this site is entitled to do so provided that the conditions below are observed:

(a) you do not seek to imply that we are endorsing the services or products of another party unless this has been agreed with us in writing;
(b) you do not misrepresent your relationship with this site; and
(c) the site from which you link to this Site does not contain offensive or otherwise controversial content or, content that infringes any intellectual property rights or other rights of a third party.

1.11 By linking to this Site in breach of clause 1.10, you shall indemnify us for any loss or damage suffered to this Site as a result of such linking.


1.12 Whilst we do take all reasonable steps to provide quality information on this site, makes no representations about the accuracy, reliability, completeness, or timeliness of the material on this website or about the results to be obtained from using the website. You use the website and its material at your own risk. Changes are periodically made to the website and may be made at any time.

1.13 The information and tools available in the Website are general in nature, and are only intended as guides and are not intended as substitutes for professional advices.

1.14 All material contained on this Website is provided without any warranties of any kind. You use the material on this Site at your own discretion and risk.

1.15 Any link on the Website is provided solely for your convenience. The link does not represent any endorsement or recommendation by ARiMI. ARiMI does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you as a result of arrangements made with any third parties.

1.16 The Site owner shall not be responsible for and disclaims all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the site, any information contained on the site, your or your company’s personal information or material and information transmitted over our system. In particular, neither the website owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any information or transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.


1.17 If there is a conflict or contradiction between the provisions of this site terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section or module of the site shall prevail in respect of your use of the relevant section or module of the site.


1.18 These terms of use are governed by Singapore law. Any dispute arising in connection with these terms of use shall be subject to the exclusive jurisdiction of the Courts of Singapore.


This policy (“Cookies Policy“) is issued by Asia Risk Management Institute (“ARIMI”). This Cookies Policy applies to our use of cookies in connection with our website arimi.org and our mobile application (collectively “Site“).

By continuing to use our Site, you are agreeing to our use of cookies in the manner set out in this Cookies Policy.

If you not wish to accept cookies in respect of your use of this Site, you should stop using the Site, or turn off your cookies (see paragraph 4), but this may affect the functionality of the Site.


This Cookies Policy sets out:

(a) what a cookie is (paragraph 2);
(b) an overview of the cookies we use (paragraph 3);
(c) what you can do if you do not agree to the use of the cookies (paragraph 4); and
(d) further information about cookies in general (paragraph 5).


After you enter the Site, the Site will make use of “cookies”. Cookies are small text files containing small amounts of information which are downloaded and may be stored on any of your internet enabled devices e.g. your computer, smartphone or tablet – like a memory for a web page. This Cookies Policy provides you with information about the cookies we use and why. Our Privacy Policy sets out full details of the other information we may collect and how we may use your personal data. If you do not wish to accept cookies in connection with your use of this Site, you should stop using it or turn off your cookies (see paragraph 4 below for how to do this) but this may affect the functionality of the Site.


We use several different types of cookies. In particular, we use the following first party cookies: necessary cookies which allow certain fundamental features of the Site to work; functional cookies, which allow us to remember choices you make (e.g. your cookie preference), performance cookies, which monitor usage of the Site and advertising cookies which record the fact that you have visited the Site and then which links you have accessed whilst you use the Site.

We also use third party cookies – these are cookies that are set by a third party website or applications rather than by us. In particular, the Site allows cookies of third party social networks (e.g. Facebook and LinkedIn), and this enables a user to share content of the Site on social networks. These third parties may use cookies, but their use of cookies will not be governed by this Cookies Policy.

Some of these are session cookies which are temporary and allow us to link your actions during a browser session. These are deleted at the end of your browsing session. Others are persistent cookies which remain on your device for the period of time specified in the cookie. These cookies help us identify you as a unique user (by storing a randomly generated number).

The Site uses first party cookies for the following purposes:

(a) necessary cookies
Necessary cookies are essential and help you navigate the Site. These cookies make sure your basket is saved during all steps of the checkout process. This helps to support security and basic functionality of the Site. These cookies are necessary for the proper operation of our Site, so if you block these cookies we cannot guarantee your use or the security of our Site during your visit.
(b) functional cookies
Functional cookies are used to provide you the best user experience. These cookies are for instances used to save and remind you about reservations you have started to make, so will save you time if you want to complete your reservation at a later stage. These cookies could also recognise if a Site user has already signed up for our newsletter/requested information about a service or if the user is seeing a certain page for the first time.
(c) performance cookies
Performance cookies help us to understand the behaviour of our visitors and the usage of the Site. This allows us to continuously improve the Site to provide you the best user experience. These cookies are also used to help us understand what interests our users, and measure how effective our advertising is. Some of these cookies are managed by third parties, and you may refer to the third parties’ own website privacy notifications for further information.

By way of example, we use Google Analytics cookies to obtain an overall view of visitor habits and visitor volumes, and to help improve the overall experience on our Site. Google Analytics is a third-party web analysis service provided by Google Inc, which uses “performance cookies” and “targeting cookies” to analyse how you use the Site. The information generated by the cookie about your use of the Site (including your IP address) will be transmitted to and stored by Google.

On behalf of us, Google will use the information collected for the purpose of evaluating your use of our Site, compiling reports on Site activity and providing other services relating to Site activity and internet usage to us. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser as described below. Furthermore you can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en-GB#. You may disable the use of Google Analytics by using the link disable Google Analytics. This link creates an opt-out cookie which prevents the further processing of your data. For more information about Google Analytics cookies, please see Google’s Help Pages and Private Policy.

If you do not accept the use of these cookies, we cannot guarantee how our Site will perform for you.


We shall store a cookie on your computer or device to remember this for next time. You can change your browser settings so that you receive a warning before certain cookies are stored. You can also adjust your settings so that your browser refuses most of our cookies or only certain cookies from third parties. If you wish to withdraw your agreement at any time, you will need to delete our cookies using your internet browser settings. You should do this through the browser settings for each browser you use. Please be aware that some of our services will not function if your browser does not accept cookies. However, you can allow cookies from specific websites by making them “trusted websites” in your internet browser. The following links may assist you in managing your cookies settings, or you can use the ‘Help’ option in your internet browser for more details.

(a) Internet Explorer: https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies
(b) Mozilla Firefox: http://support.mozilla.com/en-US/kb/Cookies
(c) GoogleChrome: http://www.google.com/support/chrome/bin/answer.py?hl=en&answer=95647
(d) Safari: http://support.apple.com/kb/PH5042
(e) Opera: http://www.opera.com/help/tutorials/security/privacy/
(f) Adobe (flash cookies): https://www.adobe.com/support/flash/downloads.html

To block Google Analytics cookies specifically, you can install the “Google Analytics Opt-out Browser Add-on” provided by Google. If you share the use of a computer, accepting or rejecting the use of cookies may affect all users of that computer.

The above instructions on browser settings are relevant when you use or access our website arimi.org.


The following link contains further information about cookies:

(a) http://www.aboutcookies.org.
In addition, a guide to online privacy has been produced by the internet advertising industry which can be found at:
(b) http://www.youronlinechoices.eu
(c) http://www.aboutads.info

We may change this Cookies Policy from time to time by posting the updated version of the policy on our Site. Please check this Site periodically to be informed of any changes.


ARiMI–Asia Risk Management Institute
3 Temasek Avenue
#21-00 Centennial Tower
Singapore 039190
Email: info@arimi.org