LEGAL
TERMS OF USE
Effective:1st June 2020
Acknowledgment and Acceptance of Terms of Use.

This website at www.penandinc.sg (the "Site") is operated by Niharika Pte ltd and it's affiliates (the "Company", "we" or "us").Access and use of the Site is available only on the terms and conditions described in these terms of use ("Terms of Use").BY USING THE SITE YOU AGREE TO BE BOUND BY THE TERMS OF USE AS IF YOU HAD SIGNED A WRITTEN AGREEMENT.PLEASE REVIEW THE TERMS OF USE CAREFULLY.By using the site," you also represent that you are of legal age to form a binding agreement under the applicable laws of the Singapore or other jurisdictions. If you do not agree to be bound by these Terms of Use, youshould not use the Site.

Changes to the Terms of Use. The Terms of Use for this Site may be revised at any time by us,at our sole discretion, without any specific notice to you. The latest and most current version of the Terms of Use will be posted on this Site.Your continued useof the Site signifiesyour acceptance of the then in effect Terms of Use.

Intellectual Property Rights.All content on the Site, induding but not limited to,visual interface, interactive features,organization, graphics,designs,videos, compilation, magnetic translation, transmissions,digital conversion and other materials appearing on the Site contain copyrighted materials,trademarks,service marks, tradedress and other proprietary materials (collectively,the Intellectual Property) which are owned by the Company,its licensors, clients, affiliates or other third parties. The Intellectual Property is protected by Singapore" "law, and international conventions.

Limited license.You are granted a limited license to access and vie\v the site and use the Intellectual Property "solely for your own personal, non-commercial use, and not for republication, distribution, assignment, sublicense, sate,preparation of derivative works or other use.No part of the Intellectual Property may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use or for your organization's internal use for the purposesof sharing information about us.You do not acquire ownership or propriet.ary nghts to any content, Intellectual Property,content. document or other materials viewed through the Site.All rights in the Intellectual Property are reserved to the Company or its licensors, dients, affiliates and other owners of such Intellectual Property.

You understand that the Site and software embodied within the Site may include security components that permit digital materials to be protected, and that use of these materia ls is subject to usage rules set by the Company and/or content providers who provide content to the Site. You may not attempt to override or circumvent any of the usage rules or security components.Arry unauthorized reproduction, publication, further distnbution or public exhibition of the materials provided on the Site, in whole or in part, is strictly prohibited.

We reserve the right to monitor, review, retain and/or disclose any information resulting from or relating to your use of the Site as necessary to satisfy any applicable law, regulation, legal processor governmenta l request. No Warrantiesor Representations by the Company.Each user assumes the responsibility for the use of any materials or information provided on or from this Site.The Company does not represent, guarantee or verify the truthfulness, accuracy, reliability or copyright status of information, content or materials presented on the Site.

Unsolicited Submissions. The Company does not accept or consider aeative ideas, suggestions or mateJials.We ask that you do not submit or send such materials to us. If you send creative suggestions, ideas,notes, drawings, concepts, materials or other information (collectively, the "Information") to us,except as part of any application for employment, despite our request that you not do so,you automatically grant to the Company,and its successors and assigns, a perpetual, royalty-free, irrevocable,non-exclusive right and license to use, reproduce, modify, adapt, publish, display, create derivative works from and distribute the Information you submit to us,or to incorporate the Information you submit to us,into any form, medium or technology now known or later developed throughout the universe. In addition, you warrant that all "moral rights" in the materialsor suggestions you submit have been waived and agree that none of the Information shall be subject to any.

obligation of confidential ity on the part of the Company.
DISCLAIMER OF WARRANTIES.YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITEIS MADE AVAILABLE FOR INFORMATIONPURPOSES ONLY ONAN •AS IS• AND "AS