We will at our sole discretion from time to time determine or specify the scope and features of the Online Services you may use on the Sites, any Online Content contained on the Sites and the Terms under which the Sites is used and are entitled to change, modify, expand, suspend, reduce, terminate or withdraw the same without prior warning or notice to you and without giving any reason thereof. We shall not be responsible or liable to you for any expense, loss, damage, liability or other consequence suffered by you or incurred by you in connection with any of the foregoing action. The updated Terms will be posted on the Sites and shall take effect from the date of posting. The continued use of our Sites following the posting of any changes to the Terms constitutes acceptance of those changes.
All information, text, design, graphics, logos, button icons, audio/video clips, digital downloads, data and data compilations, images, source codes, documents, reports, forms and all other materials contained in or accessed through the Sites, including the Online Questionnaires and Automated Documents (the “Online Content”) as well as any software programs, database systems, portals or links available or enabled on the Sites (the “Online Services” and collectively with Online Content, the “Content”) is provided on an "as is" and "as available" basis and we disclaim all representations or warranties of any kind, whether express, implied or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose and freedom from computer virus and other malicious code) in conjunction with such Content, or the Sites in general.
Any component of the Content provided by third parties is also delivered on an "as is" and "as available" basis and we will not be liable for any problems, non-delivery, defectiveness or non-performance encountered by you in your use or access (as the case may be) of such Content. We are not, and you agree we are not, responsible for such third parties and the provision by them of any Content. In addition, we do not necessarily endorse any contents of websites operated by third parties that are linked to or from the Sites or are accessible via the Sites.
The Content is by necessity, general in nature and is not intended as financial, regulatory, legal or other professional advice. In particular, the Content is provided for information purposes only and does not constitute nor should it be construed (where applicable) as investment advice or a recommendation to transact or engage in any investment activity.
While every effort has been made to ensure the accuracy, currency and/or functionality of the Content at the time of creation of the Sites, we cannot and do not warrant the truth, accuracy, adequacy, completeness, reasonableness, validity, fitness and/or functionality of any of the Content found on the Sites or any other websites linked to our Sites or reproduced with permission from other parties or that the Sites and the server is and will be free of viruses, and errors or omissions may occur.
Under no circumstances and regardless of the form of action and even if we had been advised as to the possibility of such damages shall we assume responsibility or liability to you or any party for:
a. any damages, losses, expenses or costs whatsoever (including without limitation, any direct, indirect, special, incidental or consequential damages, loss of profits or loss opportunity) arising in connection with your use of the Sites, or reliance on any Content provided at the Sites;
b. any failure of performance, system, server or connection failure, errors, omissions, interruption, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error, or unavailability of access in connection with your accessing the Sites or for any damages whether direct or indirect which may (i) arise from or in connection with reliance on the Content, (ii) result from the loss of use of the Content, or (iii) caused by a distributed denial-of-service attack, hacking attempt, viruses or other technologically damaging material that may infect your hardware equipment, software programs, data or other proprietary material as a result of the use of the Sites or your downloading any material from the Sites or any website linked to or from it; or
c. any matter relating to you or any third parties accessing or using the site or the Content.
The use of the Sites is solely and wholly at your own risk.
You acknowledge that the Internet and emails are generally insecure as a means of communication and as such, no confidential information should be provided to us as such disclosure will not be privileged or confidential.
Where you are able to and do upload, post, email, transmit (including by Short Message Service (SMS) text messages) or make available any information, data, text and/or other materials on any portion of the Sites (the "User Content"), you acknowledge and agree that you (and other users of the Sites), and not us, are solely and wholly responsible for the form, content and accuracy of all of such User Content and that we are not liable or assume the obligation for the deletion or accuracy of such User Content or for the failure to retain, transmit or receive transmission of such content.
In addition, we are not obliged to screen and/or filter User Content (including content made available by third parties on the Sites) prior to its availability on the Sites but we reserve the right in our sole discretion to refuse or remove any User Content or to remove any User Content that violates the Terms.
In relation to any User Content which you transmit to us using the Sites, you hereby grant to us a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such User Content for any purpose it deems necessary, desirable or expedient including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.
You agree that we shall not be under any obligation of confidentiality to you regarding any such User Content transmitted to us using the Sites unless agreed otherwise in a separate direct contract between you and us or required by law.
You may not use the Sites or transmit, distribute, link, market, publish, display or sell all information, data, text, messages or other materials (“Materials”) which are harmful in nature or in violation of any laws or regulations (foreign or domestic) or to commit, engage in, perpetuate or abet any breach of security, fraud, criminal act, offence.
The kinds of illegal or harmful conduct which are prohibited include but are not limited to the following:
(a) impersonating or falsely stating or otherwise misrepresenting your affiliation with any person or entity;
(b) forging headers or otherwise manipulating any identifying information in order to disguise and/or with the effect of disguising the origin of any Materials transmitted through the Sites;
(c) transmitting Materials that are unlawful, libellous, defamatory, indecent, harassing, threatening, harmful, invasive of privacy or publicity rights, abusive, inflammatory or otherwise objectionable;
(d) infringement of intellectual property rights or other proprietary rights including, but not limited to, material protected by copyright, trademark, patent, trade secret or other intellectual property right used without proper authorisation;
(e) offering or disseminating fraudulent goods, services, schemes, or promotions;
(f) fraudulent submission or use of personal or financial information or engaging in any practice that constitutes an unfair or deceptive trade practice;
(g) transmitting any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
(h) transmitting any Materials that you do not have a right to transmit under any law or under any contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); or
(i) "stalking" or otherwise harassing another person; or
(j) transmitting Materials with recommendations to buy or refrain from buying a particular capital markets product or investments product or which otherwise have the purpose of affecting the price or value of any capital markets products or investments products.
We reserve the right to restrict or prohibit any and all activities, conduct or Materials (or delete, move or edit the same) that we determine in our sole discretion may be harmful to our systems, network, reputation, good will, our other customers, or any third party.
You acknowledge that your use of the Sites may, at any time, be adversely affected by problems with your computer (or such other access or electronic device including but not limited to cellular telephones, smart phones and PDAs), the Internet and the cellular phone network, including, without limitation, interference to the network coverage, undeliverable messages or delay in transmission due to any reason such as excessive network traffic, service interruption or incorrect data transmission.
We may contract with one or more third parties to provide, maintain and host Content on the Sites. Therefore, any Materials which you transmit may be placed and stored on a computer server maintained by a third party. You acknowledge that such Materials could pass through and may be stored in servers outside our control. You agree that we have no liability or responsibility for any such pass through or storage of the same.
You consent to the collection, storage, communication and processing of any of your Materials by any means necessary for us to maintain appropriate transaction and account records and to the release and transmission to and the retention by the relevant third party service providers and hosts of your information to enable your use of the Sites.
You acknowledge that all transmissions (whether by email or otherwise) to and from the Sites cannot be guaranteed to be completely secure or error-free and the same could arrive late, be intercepted, corrupted, lost, destroyed, or incomplete, or contain viruses and may not be received by the intended recipient. Consequently, you understand that you should not post or transmit any private or confidential Materials (whether yours or the recipient’s) unless you want it to be available publicly. You are aware that the Materials transmitted by you may be subsequently forwarded to a third party by the recipient. You further understand that as we cannot control or prevent the transmission of your private or confidential Materials by a third party, we cannot be responsible or held liable for the same. Accordingly, we do not warrant the privacy and/or security of any transmissions (whether by email or otherwise) to and from the Sites.
You acknowledge and agree that the download and/or use of any documents generated from the automated templates available on our Sites (the "Online Questionnaires") does not constitute any financial, regulatory, legal, tax or other professional advice and that such questionnaires and corresponding documents (the "Automated Documents") do not take into account the context of your particular transaction.
We grant you a limited, personal, non-exclusive, non-transferable licence to use our Online Questionnaires and Automated Documents for personal and/or internal business use only (including to view, download, copy and print the Automated Documents for such use as we have authorised). Except as otherwise provided, by downloading the Automated Documents, you further acknowledge and agree that you shall not modify, edit, reproduce, reverse engineer, or create derivative works of or sell or redistribute for commercial purposes or exploit in any other manner, such Online Questionnaires and Automated Documents apart from filling out such questionnaires and completing the Automated Documents for the purposes of your authorised use. In particular, where provided, you shall not modify, alter or remove our logos, copyright and trademark notices appearing on any of the Online Questionnaires or Automated Documents.
As a condition of use, you agree that you shall not use the Sites or any part thereof of it for any purpose prohibited by the Terms or applicable law. You shall not (and shall not permit any third party to):
a. distribute, modify, copy, publish, transmit, display, sell, license, use, reuse or create derivative works of any of the Content of or material displayed on the Sites for any public or commercial purpose without our written consent;
b. interfere with (or attempt to interfere with) the proper functioning of the Sites or use the Sites in any way not expressly permitted by the Terms;
c. engage in (or attempt to engage in) any potentially harmful or damaging acts directed against us or the Sites, including without limitation, violating any security features of the Sites, using such means (whether automated or manual) to access, 'scrape', or 'crawl' (or by any other similar means) any pages contained within the Sites, introducing viruses, worms or similar harmful or damaging software or code into the side, or interfere with the use of the Sites by any other use, host, or networks, including by means of 'flooding', 'spamming', or 'crashing' the Site;
d. attempt to change, add to, remove, deface, hack or otherwise interfere with the Sites or any material or Content displayed on the Sites; or
e. access or use the Sites in any way that could or is intended to damage or impair the Sites, or any server or network underlying the Sites, or interfere with anyone else’s use and enjoyment of the Sites.
You are eligible to use the Online Services offered by us only if you satisfy the following:
a. You agree to abide by and comply with the Terms at all times;
b. You promptly maintain and update said information so as to ensure its accuracy at all times;
c. You have provided all information we require in connection with your registration, and that this information is accurate, complete and current; and
d. You agree that the use of our Online Services and your registration with us shall be conditional at all times on your complying and observing these Terms.
While we may use reasonable efforts to include accurate and up-to-date information on our Sites, we make no warranties or representations as to its accuracy, timeliness or completeness.
The information may contain typographical errors, pricing errors, and other errors or inaccuracies, and it will be corrected as soon as practicable.
We reserve the right to:
a. Revoke any stated offer;
b. Adjust and/or restrict the amount of information that you are entitled to view on the Sites;
c. Correct any errors, inaccuracies or omission; and
d. Make changes to prices, content, promotion offers, product descriptions or specifications, or other information without obligation to issue any notice of such changes (including after an order has been submitted, acknowledged, shipped or received). We also reserve the right to limit quantities (including after an order has been submitted and/or acknowledged) and to revise, suspend or terminate an event, promotion at any time without notice. The inclusion of any Online Services on our Sites at a particular time does not guarantee that the Online Services will be available.
Except as otherwise expressly stated herein, all Content is owned by or licensed to us and subject to copyright protection by Singapore and international copyright laws and/or other laws. The Content may not be reproduced, duplicated, sold, transmitted or distributed, sold, adapted, published, broadcasted or otherwise exploited for any commercial purpose in whole or in part in any manner without our prior written consent.
You are granted a limited, non-sublicensable licence (revocable at any time) to access and use the Sites and the Content for non-commercial and personal use only. Such licence is subject to these Terms and further does not allow the use of any data gathering, harvesting or extraction methods whether automatic or manual. No framing or “mirroring” of the Sites, any part thereof, or any Content contained in our Sites on any other server, website or webpage or creation or insertion of any hypertext links or deep links between the Sites and any other website is allowed except with our prior written consent.
We reserve the right, without notice and in our sole discretion, to terminate your licence to use the Sites, and to block or prevent your future access to the Sites.
Where information/material is reproduced from elsewhere, copyright in respect of these works remain with their respective owners.
Copyright and Trademark Notices All trade marks, service marks and logos used in our Sites are our property and/or the respective third party proprietors identified in the Sites. No licence or right is granted and your access to the Sites and/or use of the Online Services should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trade marks, service marks or logos appearing on the Sites without our prior written consent or the relevant third party proprietor thereof. Save and except with our prior written consent, no such trade mark, service mark or logo may be used as a hyperlink or to mark any hyperlink to any of our Sites or any other website.
For your convenience and for information purposes, we may include hyperlinks to the Sites on the Internet that are owned or operated by third parties. Such linked websites are not under the control of us and we cannot accept responsibility or any expenses, losses, costs damages, liabilities or other consequences for the contents of or the consequences of accessing any linked website or any link contained in a linked website. Furthermore, the hyperlinks provided in the Sites shall not be considered or construed as an endorsement, warranty or verification of such linked websites or the contents therein by us. You agree that your access to and/or use of such linked websites is entirely at your own risk and subject to the terms and conditions of access and/or use contained therein.
You hereby agree to indemnify and save us harmless against all damages, losses, expenses and costs (including legal costs) suffered or incurred by us in connection with or arising from (a) your access of the Sites and/or use of the Online Services, or (b) any other party's access of the Sites and/or use of the Online Services using your user id and/or login password, (c) your breach of any of these Terms, or (d) any other party's breach of any of these Terms where such party was able to access the Sites and/or use the Online Services by using your user id and/or login password.
In a credit card transaction, you must use your own credit card. We and our associated/affiliated businesses will not be liable for any credit card fraud. The liability for any fraudulent use of a credit card will be on the user and the onus to prove otherwise shall be exclusively on the user.
We may introduce new or different forms of authentication service(s) when you use our Online Services. We may replace the authentication service(s) from time to time without prior notice to you.
We may terminate this agreement governed by the Terms, your access to the Sites and use of any Online Services described at the Sites at any time, with or without cause or notice.
No failure or delay by us in exercising or enforcing any right, power, privilege or option under the Terms shall operate as a waiver thereof or limit, prejudice or impair our right to take any action or to exercise any right as against you or render us responsible for any loss or damage arising therefrom.
If any part of the Terms is found by any court or other competent authority to be invalid, unlawful or unenforceable then such part shall be severed from the remainder of the Terms which shall continue to be valid and enforceable to the fullest extent permitted by law.
You may not assign any of your rights under these Terms, and any such attempt will be void. We may assign our rights to any of our holding company, affiliates, or subsidiaries, or to any successor in interest of any business associated with the Online Services.
The Content contained in or accessed through the Sites shall not be considered or construed to be business, legal, regulatory, financial or tax or any other professional advice, an invitation, offer or solicitation to sell, buy, give, take, issue, allot, transfer, or as the giving of any advice in respect of capital markets products or investment products in any jurisdiction.
The Content herein are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice.
We may terminate your access to the Sites and/or your use of the Online Services at any time without notice and without assigning any reason therefor.
A person who is not a party to any agreement governed by the Terms has no right under the Contracts (Rights of Third Parties) Act (Chapter 53B) to enforce or enjoy the benefit of any terms herein.
Nothing herein shall be construed as a representation by us that the Content contained in or accessed through the Sites is appropriate or available for use in geographic areas or jurisdictions other than United Kingdom. By accessing the Sites and/or using the Online Services, you agree that such access and/or use, as well as the Terms shall be governed by, and construed in accordance with, the laws of United Kingdom and you agree to submit to the exclusive jurisdiction of the UK courts.
If you do not agree with the above, please direct your browser elsewhere immediately.
For more information, please contact us at firstname.lastname@example.org