Disclaimer of Liability

Terms and Conditions of Access to the website of Sing Investments & Finance Ltd
(hereinafter known as "SIF")

1. TERMS OF USE

Access to this website is granted by SIF, its subsidiaries and associated companies represented on this website (hereinafter known collectively as "SIF") subject to the following terms and conditions.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE AND/OR USING THE ONLINE SERVICES, YOU AGREE TO BE UNCONDITIONALLY BOUND BY THE TERMS AND CONDITIONS BELOW ("THE CONDITIONS HEREIN"). IF YOU DO NOT AGREE TO ANY OF THE CONDITIONS, PLEASE DISCONTINUE YOUR ACCESS TO THIS WEBSITE AND/OR USE OF THE ONLINE SERVICES HEREOF IMMEDIATELY.

"YOU" AND "YOUR" MEANS THE USER(S) OF THIS WEBSITE.

SIF RESERVES THE RIGHT TO AMEND VARY DELETE OR REPLACE THE CONDITIONS AND/OR THE CONTENTS OF THIS WEBSITE AT ANY TIME AND FROM TIME TO TIME AT ITS SOLE AND ABSOLUTE DISCRETION WITHOUT ANY PRIOR NOTICE TO YOU. YOU AGREE THAT YOUR ACCESS OF THIS WEBSITE SHALL CONSTITUTE YOUR ACCEPTANCE OF AND YOUR AGREEMENT TO BE BOUND BY THE CONDITIONS AND/OR THE CONTENTS AS AMENDED VARIED DELETED OR REPLACED THEREOF. YOU SHOULD READ THE CONDITIONS CAREFULLY EACH TIME YOU VISIT OUR WEBSITE.

2. ACCESS TO WEBSITE

Use and/or distribution of the products, services, materials and information at this website may be restricted or prohibited by law in certain jurisdictions. It is your responsibility to find out what those restrictions or prohibitions are and observe them. If in doubt, you should check with your local regulator or authority. This website does not constitute an offer on the part of SIF to provide products or services described herein to persons or entities resident in countries where local law or regulation does not permit their use.

SIF reserves the right at any time and from time to time to update modify or terminate this website or change, expand, discontinue, suspend, terminate or withdraw any information or features at this website without prior warning or notice to you and without giving any reason thereof and without any liability to you whatsoever. SIF further reserves all rights to deny terminate or restrict your and/or any particular person's access to this website or any part(s) thereof and/or your use of the online services, or to block access from a particular Internet address to this website at any time (whether or not that person or Internet address has been given access earlier), without notice and without ascribing any reasons whatsoever. SIF shall not be responsible or liable to you for any expenses, costs (including legal costs on an indemnity basis), losses, damages, liabilities or other consequences suffered by you or incurred by you directly or indirectly in connection with any of the foregoing actions on the part of SIF.

The accessibility and operation of this website relies on technologies outside the control of SIF. SIF does not guarantee continuous accessibility or uninterrupted operation of this website.

SIF reserves the right at any time and from time to time to change the URL of the website.

3. PROPRIETARY RIGHTS

This website is owned and operated by SIF. All information, data, design, text, messages, graphics, images, audio, video, services, products, links and any other items and materials located and/or provided on this website, including any software programs available on or through this website (collectively "the Contents") are protected by copyright, trademark and other forms of proprietary rights. All rights, title and interest in the Contents are owned by, licensed to or controlled by SIF.

The Contents or any part or parts thereof may not be used, reproduced, distributed, published, modified, adapted, altered, displayed, licensed, uploaded, posted, broadcasted, hyperlinked or transmitted in any manner or by any means or stored in an information retrieval system or otherwise used without the prior written consent of SIF. All trademarks, logos and service marks displayed in this website are the property of SIF and, where applicable, third party proprietors identified in the website. You shall have no right or license to download, reproduce or use any such trademarks, logos or service marks whether for use as a link to any website or otherwise, except with the prior written consent of SIF or third party proprietors (as the case may be).

You acknowledge that the Conditions herein shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this website.

4. USE OF INFORMATION AND MATERIALS

The Contents of this website are provided for general information only and SIF is not involved in giving any professional advice here. This website does not cover all information available on a particular issue. Hence, this website should not be used as a basis for making any specific investment, business, financial or commercial decision. You should at all times do your own checks and/or consult your professional advisers and obtain independent verification of such information, materials and data before making any decision based thereon.

The Contents on this website do not constitute financial or other professional advice. If financial or other professional advice is required, services of a competent professional should be sought.

While all reasonable care has been taken in preparing the information and materials contained in this website, no warranty whatsoever is given and no responsibility or liability is accepted for any loss arising directly or indirectly in connection with or as a result of any person acting on any information, opinion or statement expressed in the materials contained in this website. In particular, no warranty is given that the information material or data is accurate reliable or up to date.

All information, materials, opinions expressed and statements contained in this website are subject to change (including, without limitation, modification, variation, deletion or replacement thereof) without prior notice to you.

5. INVITATIONS TO TREAT AND NOT OFFERS

Nothing in this website shall be considered or construed on the part of SIF as an offer or solicitation to buy, sell, give, take, issue, allot or transfer, or as the giving of any advice or recommendation in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds, collective investment schemes, or other securities, investments, loans, advances, credits or deposits or any other instrument or product whether of SIF or any other issuer in any jurisdiction.

Notwithstanding the generality of the foregoing, the information and materials contained in this website shall in all cases be construed as an invitation to treat made only in the Republic of Singapore. Any such invitation to treat shall be void where prohibited by law, whether by the law of the Republic of Singapore or by the law of the jurisdiction in which you are located. By making an offer to SIF, which offer shall be deemed unsolicited, you warrant that such offer and any contract resulting from the acceptance thereof by SIF will not be in conflict with the laws of your jurisdiction and will be deemed to be governed by the jurisdiction of the Courts of Singapore. SIF shall not be under any obligation whatsoever express or implied, to reply to unsolicited correspondence, communications or email or to acknowledge receipt of the same.

Notwithstanding anything in this website, your eligibility for all products and services on this website is subject to acceptance by SIF.

6. LINKS FROM THIS WEBSITE TO OTHER WEBSITES

For your convenience, this website may contain links to websites owned, operated, controlled or offered by third parties. In no circumstances shall SIF be considered to be associated or affiliated in whatever manner with any trade or service marks, logos, insignia or other devices used or appearing on websites to which this website is linked or any of the contents thereof.

Access to and the use of such websites is entirely at your own risk and subject to the terms and conditions applicable to such access and/or use. For the avoidance of doubt, by creating a link to a third party website, SIF shall not be construed as endorsing or recommending any product or service offered or as verifying or warranting any information contained in any such third party website or any link contained in a linked website. Accordingly, SIF will not be responsible for the availability or the accuracy or otherwise of the contents, information, materials, products or services (or any failure thereof) contained in or offered at any such third party website linked to this website and/or the link contained in such third party website and SIF shall not be liable for any damages, costs (including legal costs on an indemnity basis) or losses or any other liabilities whatsoever arising directly or indirectly (including consequential losses) from access to those websites.

7. LINKS TO THIS WEBSITE FROM OTHER WEBSITES

You shall not, without the prior written consent of SIF, insert a hyperlink to this website or on any part thereof on any other websites or 'mirror' or frame this website or any part thereof, or any information or materials contained in this website on any other server, website or web page.

SIF reserves all rights to disable any links or frames to or from this website and/or to any site containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any written law, any applicable intellectual property, proprietary, privacy or public rights.

SIF reserves the right to disable any unauthorized links or frames and disclaims any responsibility for the content available on any other site reached by links to or from this website or any of the Contents.

8. SUBMISSIONS

Any and all information transmitted to SIF through this website shall be deemed to be and shall remain the sole and exclusive property of SIF. SIF shall be entitled to use, for any purpose and without any payment or compensation, any information including but not limited to ideas, concepts, know-how or techniques in whatsoever form provided to SIF through this website. SIF shall not be under any obligation of confidentiality to you regarding any such information transmitted to SIF using the website unless agreed otherwise in a separate direct contract between you and SIF or required by law.

9. TRANSMISSION OF YOUR CONTENT

All information, data, text, email messages or other materials transmitted via the website ("the transmission") are your sole responsibility. SIF does not guarantee that the transmission sent to SIF over the Internet will be completely secure. You are solely and entirely responsible for the form, content and accuracy of the transmission which you upload, post, and email or otherwise transmit (including by Short Message Service (SMS) text messages via the website). SIF does not assume the obligation to remove, validate, screen, verify or edit the transmission. Under no circumstances will SIF be liable for any damages incurred or sustained by you in connection with or arising from the transmission transmitted via the Internet by you to SIF, or by SIF to you at your request.

In relation to any transmission which you transmit to SIF using the website, you hereby grant to SIF a worldwide royalty-free perpetual license of the copyright and intellectual property rights in such transmission for any purpose as it deems necessary, desirable or expedient including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

10. RISKS

You acknowledge and accept that Internet communications or transmissions (whether by email or otherwise) to and from this website cannot be guaranteed to be completely secure or error-free and the same could be lost, destroyed or incomplete or arrive late or may be subject to interruption, interception, corruption or hacking by third parties, transmission blackout, incorrect data transmission or infection by computer viruses or may not even be received by the intended recipient. You further acknowledge that you understand that you must not send or transmit any private or confidential content/information (whether yours or the recipient's) via this website unless you want it to be available publicly. You are aware that the content transmitted by you may be subsequently forwarded to a third party by the recipient. You further understand that SIF cannot control or prevent the transmission of your private or confidential content by a third party. Hence, SIF cannot be responsible or held liable for the same and as such, SIF does not warrant the privacy and/or the security of any transmissions (whether by email or otherwise) to and from this website.

You acknowledge that your use of this website 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. 

SIF may contract with one or more third parties to provide, maintain and host the products or services on this website. Therefore, any information you send or any content which you transmit may be placed and stored on a computer server maintained by a third party.  You acknowledge that such information or content could pass through and may be stored in servers outside the control of SIF. You agree that SIF has 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 information by any means necessary for SIF 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 this website. 

SIF will not be liable for any malfunctions in communications facilities not under its control that may affect the accuracy, authenticity or timeliness of messages and transactions that may be sent and does not warrant that any identified defect will be corrected. Hence, SIF shall not be liable for the security, authenticity, integrity or confidentiality of any transactions made on the website.

You hereby acknowledge that any communications or transmissions made by you through this website are therefore solely and entirely at your own risks.

11. NO ILLEGAL OR HARMFUL USES

You may not use this website or transmit, distribute, link, market, publish, display or sell any content which are harmful in nature or in violation of any laws or regulations of Singapore and/or of any other country or countries in the world or to commit, engage in, perpetuate or abet any breach of security, fraud, criminal act or offence.

The kinds of illegal or harmful conduct which are prohibited include but are not limited to the following:

  1. Impersonating or falsely stating or otherwise misrepresenting your affiliation with any person or entity;
  2. Forging headers or otherwise manipulating any identifying information in order to disguise and/or with the effect of disguising the origin of any content transmitted through this website;
  3. transmitting content that are unlawful, libelous, defamatory, indecent, harassing, threatening, harmful, invasive of privacy rights, abusive, inflammatory or otherwise objectionable;
  4. 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 authorization; 
  5. Offering or disseminating fraudulent goods, services, schemes, or promotions;
  6. Fraudulent submission or use of personal or financial information or engaging in any practice that constitutes an unfair or deceptive trade practice;
  7. Transmitting any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
  8. Transmitting any content that you do not have a right to transmit under any law or under any contractual or fiduciary relationships (such as insider information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  9. "Stalking" or otherwise harassing another person;
  10. Transmitting content with recommendations to buy or refrain from buying a particular security or which otherwise has the purpose of affecting the price or value of any security.

SIF reserves the right to restrict or prohibit any and all activities, conduct or content (or delete, move or edit the same) which SIF determines in its sole absolute discretion to be harmful to its systems, network, reputation, good will, its customers, or any third party.

12. NO WARRANTIES

The Contents of this website are provided on a 'AS IS' and 'AS AVAILABLE' basis.

SIF does not represent or warrant the truth, accuracy, correctness, reliability, adequacy, current, timeliness, completeness or reasonableness of the Contents or that the Contents or any functions associated therewith will be uninterrupted or error-free, or that the defects will be corrected or that this website and the server is and will be free of all viruses, unauthorized software and/or other harmful elements and expressly disclaims liability for any and all errors or omissions whatsoever and you should not rely on the Contents as such. You should always consult primary or more accurate or more up-to-date sources of information.

Products and services (including those of any third party providers) are available only at the discretion of SIF and/or the discretion of third party provider (as the case may be) subject to the terms and conditions governing such products and services and any relevant exclusion/disclaimer clauses on which they are offered. Such products and services may be withdrawn or amended at any time without notice. Fees, commissions or other charges may apply to certain products and services. Please contact the relevant entity, office or branch providing the products and services for details.

No representation or warranty of any kind whether express, implied or statutory, including but not limited to any warranty of title, non-infringement of third party rights, merchantability, satisfactory quality, fitness for a particular purpose and freedom from computer viruses, worms, Trojan horses, or other contaminants or other malicious, destructive or corrupting codes, agents programs or macros or spywares (collectively, 'computer virus'), is given in conjunction with this website, or its contents, including any links to third party websites.

13. EXCLUSION OF LIABILITY

You understand and agree that your use of this website is at your own risks and without prejudice to anything contained in this website, SIF and/or its employees agents or contractors shall not be liable in any manner whatsoever to you for any damages, losses, costs (including legal costs on an indemnity basis), expenses, liabilities of any kind or other consequences of whatsoever nature and howsoever caused including without limitation, special, or consequential damages, or economic losses suffered or incurred directly or indirectly by you (whether or not SIF has been informed of such possibilities) arising from or in connection with or caused by:

  1. any access or use of this website or any part thereof or the use of or reliance on the Contents of this website; or
  2. any maintenance, breakdown, fault or non-availability of this website or any part thereof or any inability/difficulty to access or use this website or any part thereof; or
  3. any telecommunication problems, power supply problems, Internet or network related problems, problems with the services rendered by third party vendors or service providers; or
  4. any transaction performed on any web page in this website and/or via any software applications and/or mobile applications for the products and services; or
  5. any loss or abuse or unauthorised disclosure of information, including customer information; or
  6. any system, server or connection failure, error, omission, interruption, interception, breach of security, corruption, delay in operation or transmission, transmission error, communications failure (including but not limited to any difficulties experienced by your internet service provider, network provider or telecommunications provider or operator) or computer virus; or
  7. malfunctions in equipment or software; or
  8. any use of or access to any other websites linked to this website and/or any other software applications and/or mobile applications linked to the products and services; or
  9. any service, product, information, data, software or other materials obtained from this website or from any other websites linked to this website and/or any other software applications and/or mobile applications linked to the products and services; or
  10. any defect, error, imperfection, fault, mistake or inaccuracy with this website, its contents or associated services; or
  11. problems caused by any remedial or preventative measures which may be taken by us in the event of any occurrence of the foregoing; or
  12. any software downloaded from this website or any other websites linked to this website; or
  13. the conduct or the views of any person who accesses or uses this website.

even if SIF and/or its employees agents or contractors had been advised of the possibility of such damages, losses and/or expenses.

Notwithstanding the aforesaid Condition, in no event shall SIF be liable to you and/or any other party for any damages, losses, costs (including legal costs on an indemnity basis), expenses or any other liabilities whatsoever (including without limitation, any direct, indirect, special, economic, incidental or consequential damages, loss of profits or loss opportunity) arising from or in connection with your use of this website, or reliance on any information, materials or online services provided at this website, regardless of the form of action and even if SIF had been advised as to the possibility of such damages.

14. FEES

There are currently no fees for using this website. We reserve the right to introduce new fees at any time and from time to time at our absolute discretion.

We are not responsible for any fees charged by any other Internet sites linked to and/or from this website.

15. INDEMNITY

You hereby agree to indemnify SIF in full against all and any claims, actions, proceedings, losses, damages, costs (including legal costs on a full indemnity basis), expenses and liabilities of whatsoever nature and howsoever arising which may be brought against or suffered or incurred by SIF arising from or which is directly or indirectly related to or connected with :

  1. your access of this website and/or use of the online services; or
  2. any other party's access of this website and/or use of the online services using your user id and/or login password; or
  3. your breach of any of the Conditions herein; or
  4. any other party's breach of any of the Conditions herein where such party was able to access this website and/or use the online services by using your user id and/or login password.
16. THIRD PARTY SERVICES

SIF cannot be responsible for any services provided by third parties to you at or through this website or when you access this website or for any loss you may suffer as a result of you using such a service. You must comply with all the terms and conditions of such a service and pay all the charges connected with it.

17. NO WAIVER

No failure or delay by SIF in exercising or enforcing any right or option under the Conditions herein shall operate as a waiver thereof or limit, prejudice or impair the right of SIF to take any action or to exercise any right against you or render SIF responsible for any loss or damage arising therefore.

18. INVALIDITY

If any one or more of the provisions of the Conditions herein are deemed invalid, unlawful or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired.

19. THIRD PARTY RIGHTS

A person who is not a party to any agreement or transaction governed by the Conditions herein shall have no rights whatsoever under the Contracts (Rights of Third Parties) Act (Cap.53B) or any amendment, variation, supplements, substitutions or re-enactment thereof to enforce any of the Conditions herein.

20. GOVERNING LAW AND JURISDICTION

SIF makes no representation that the products, services, materials and information contained herein are appropriate or available for use in other locations/jurisdictions other than Singapore. Unless specified otherwise, any such products, services, materials and information are strictly for the access of customers of SIF and/or use in Singapore and shall not be construed as the provision of services and loan/credit facilities outside of Singapore.

By accessing this website and/or using the online services, you agree that such access and/or use of this website and/or the provision of products, services, materials and information contained herein and the Conditions herein shall be governed and construed in all respects with the laws of Singapore and but in enforcing the Conditions herein SIF is at liberty to initiate and take actions or proceedings or otherwise against you in Singapore or elsewhere as SIF may deem fit and you hereby agree that where any actions or proceedings are initiated and taken in Singapore, you agree to submit to the non-exclusive jurisdiction of the courts of the Republic of Singapore.

In the event that the laws of your jurisdiction either do not permit or impose restrictions on the access to the Contents of this website, you shall forthwith discontinue access or comply with such restrictions (as the case may be).

21. ENGLISH VERSION TO PREVAIL

If there are inconsistencies in meaning between the English-language version of these terms and conditions and the terms and conditions as may be translated into any other language, the English-language version shall prevail.