OCBC Bank shall not be responsible for the quality, merchantability or fitness for any purpose or any other aspect of any gift/product/services. Notwithstanding anything herein, OCBC Bank shall not at any time be responsible or held liable for any defect or malfunction in gift/product or deficient or inferior service, and/or for any loss, injury, damage of harm suffered or incurred by or in connection with the use of any gift/product/services by any person