Please read these terms and conditions carefully. By accessing this website, you agree to be bound by these terms and conditions.  If you do not accept any of these terms or conditions, you must immediately discontinue your access to this website and/or use of the online services. These Terms and Conditions are subject to change and may be modified, deleted, or replaced from time to time at our sole and absolute discretion. If you do not accept the change or addition to these Terms and Conditions, you must stop accessing and using the site. If you continue to access and/or use the site after the change or addition takes effect, you are deemed to have accepted the amendment or addition without reservation.

Copyright and Trademark Notices

Except as otherwise expressly stated herein, the copyright and all other intellectual property in the contents of this website (including, but not limited to, all design, text, sound recordings, images, or links) are properties of HNWI Private Limited (“HNWI”). As such, they may not be reproduced, transmitted, published, performed, broadcasted, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used or commercially exploited in whole or in part in any manner without the prior written consent of HNWI. Save and except with HNWI’s prior written consent, you may not insert a hyperlink to this website or any part thereof on any other website 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 webpage.

HNWI reserves the right, at any time and from time to time, in the interests of its editorial discretion and business judgment to add, modify, or remove any of the contents of this website without notice. These Terms and Conditions are not intended to, and will not, transfer or grant any rights in or to the information other than those which are specifically described herein, and all rights not expressly granted herein are reserved by HNWI or the third party providers from whom HNWI has obtained the information. You are required to read and abide by any additional Terms and Conditions that may be posted on this website from time to time concerning information obtained from specific third party providers. Such third party providers shall have no liability to you for any damages whatsoever on account of the information provided to you via this website.

All trademarks, service marks, and logos used on this website are the property of HNWI and/or the respective third-party provider identified on this website. No license or right is granted, and your access to this website 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 trademarks, service marks or logos appearing on the website without the prior written consent of HNWI or the relevant third-party provider. Save and except with HNWI’s prior written consent, no such trademark, service mark, or logo may be used as a hyperlink or to mark any hyperlink to any other site.

Monitoring by HNWI

HNWI may monitor your use of the products and services on this website, and HNWI may use the resultant information for its internal purposes, business, or marketing activities or following the rules of any applicable regulatory or self-regulatory organization.

Disclaimer

The information and materials contained in or accessed through this website are provided on an “as is” and “as available” basis. As such, reliance on such information and materials is at your sole risk. Such information and materials are of a general nature which has not been verified, considered, or assessed by any member of HNWI. You must exercise caution and accept all risks and liabilities which may result from making any specific investment, business, financial, or commercial decision(s) based on such information and materials.

The information and materials contained on or accessed through this website shall not be considered or construed as an offer, invitation or solicitation to sell, buy, give, take, issue, allot or transfer any security, financial product or instrument, or as the giving of any advice in respect of subject matters including but not limited to, shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction. Nothing herein shall be construed as an endorsement or any representation as to the quality, durability, feasibility, and/or viability of any product or service. Such information and materials are provided for general information only.  You should neither construe any of the content contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice nor make this service the primary basis for any investment decisions made by or on behalf of you. The information herein does not have regard to specific objective(s), situation, or the particular needs of any person. You should seek professional advice from your business advisor, attorney, or tax and accounting advisors at all times and obtain independent verification of the information and materials contained in this website before making any decision based on any such information or materials.

HNWI does not warrant the truth, accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through this website and expressly disclaims liability for any errors in, or omissions from, such information and materials.

HNWI makes no warranty of any kind, implied, express 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, freedom from computer virus or other malicious code and freedom from unauthorized persons to intercept or access information transmitted through this website), in connection with such information and materials provided, or this website in general.

Under no circumstances shall HNWI be liable regardless of the form of action for any failure of performance, system, server or connection failure, error, omission, 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 of this website and/or using the online services even if HNWI had been advised as to this possibility.

In no event shall HNWI be liable to you or any other party for any damages, losses, expenses or costs whatsoever (including without limitation, any direct, indirect, special, incidental or consequential damages, loss of profits or loss of opportunity) arising 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 HNWI had been advised as to the possibility of such damages.

Neither HNWI nor any of its third party providers shall have any responsibility to maintain the data and services made available on this website or to supply any corrections, updates, or releases in connection therewith. Availability of data and services are subject to change without notice.

HNWI may terminate your access to this website and/or your use of the online services at any time without notice and without assigning any reason therefor.

Nothing herein contained shall be construed to hold HNWI out to be the agent, employee, lessee, sub-lessee, partner, or joint venture partner of any other party. Nothing herein shall operate to create any legally binding obligations or commitments on the part of HNWI.

Hyperlinks

HNWI may include hyperlinks to websites on the internet that are owned or operated by third parties. Such hyperlinks are provided solely for your convenience. HNWI makes no representation concerning the content of these websites. Such linked websites are not under the control of HNWI, and HNWI does not accept responsibility for the content of or the consequences of accessing any related website or any hyperlink contained in a linked website. Any hyperlinks provided on this website shall not be considered or construed as an endorsement, authorization, sponsorship, affiliation, or verification of such linked websites or the contents therein by HNWI. 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 contained herein and in the linked websites.

Third-Party Content

HNWI makes available information of third parties, including articles, advertisements, news reports, products, calculation tools, company information, data about financial markets, and other data (“the Third Party Content”) from time to time. By accessing the information herein, you acknowledge that HNWI does not create nor endorse any Third Party Content, nor any products or services offered by businesses through them. The provision of Third Party Content does not constitute any recommendation or solicitation to purchase or sell any products, services, or make any other type of decision or any representation or warranty as to the authenticity, quality, reliability, durability, and feasibility, fitness for purpose and/or viability of any such product or service. Besides that, the Third Party Content does not constitute any tax, legal, or investment advice. HNWI makes no guarantees as to the accuracy, completeness, and timeliness of any such Third Party Content. Hence, HNWI is not responsible for any illegality, error, inaccuracy, material omission, misleading statement, deceptive conduct, or any other problem in or with the Third Party Content. You agree not to hold HNWI liable for any decision that you may make based on your reliance or use of such data, or any liability that may arise due to delays or interruptions in the delivery of the Third Party Content for any reason. There is no warranty of merchantability, fitness for a particular use, or non-infringement of intellectual property rights of a third party. There is no warranty of any kind, whether express or implied, regarding any of the Third Party Content. The Third Party Content is the property of its respective third party provider or its licensor and is protected by applicable copyright laws. HNWI shall not be a party to any agreement or transaction entered into between you and such third party providers. Any dealings with such third party providers shall be at your sole risk. These third-party providers are not in an agent-principal, joint venture, or fiduciary relationship with HNWI, and hence, these third party providers have no authority to make any representation or commitment on behalf of HNWI. To the maximum extent legally permissible, under no circumstances shall HNWI accept any liability to you.

Email Disclaimer

HNWI does not provide any tax, legal or investment advisory or any regulated activity or service requiring any licence, approval or authorization from any governmental or regulatory authority or any other body. Anything contained in any email must not be interpreted as advice provided by HNWI and/or its employees. Nothing discussed in any email from HNWI shall form part of any contract unless explicitly written. Any information and materials provided in any email is solely for your information only and may not be published, circulated, broadcasted, reproduced or distributed in whole or in part to any person, or commercially exploited, without the written consent of HNWI.  While we have taken all reasonable care to ensure any information provided is not untrue or misleading, we cannot guarantee its completeness or accuracy. You should not act on it without first independently verifying its contents. Any comment or estimate mentioned or contained in any email is subject to change without notice. Any information provided in any email is not an offer or solicitation of an offer for any products, nor is it an endorsement or any representation as to the quality, durability, feasibility and/or viability of any such product or services. The information mentioned does not have regard to specific objective(s), situation, or the particular needs of any person. You may wish to seek advice from relevant professionals, including lawyers, accountants, financial advisers, and relevant bodies before making any decision. Reliance on any information or material in any email is at your sole risk. You must exercise caution and accept all liabilities, which may result from making any specific investment, business, financial, or commercial decision(s) based on any information or material in any email. In no event shall HNWI be liable to you or any other party for any damages, losses, expenses or costs whatsoever (including without limitation, any direct, indirect, special, incidental or consequential damages, loss of profits or loss of opportunity) arising in connection with your reliance on any information or materials provided in any email, even if HNWI had been advised as to the possibility of such damages.

Nothing contained or discussed in any email to you shall be construed to hold HNWI out to be the agent, employee, lessee, sub-lessee, partner, or joint venture partner of any other party.  Nothing in any of our emails shall operate to create any legally binding obligations or commitments on the part of HNWI. 

Indemnity

You hereby agree to indemnify, hold harmless and defend HNWI against all damages, losses, expenses, and costs (including legal costs) suffered or incurred by HNWI in connection with or arising from your breach of any of these Terms and Conditions.

Governing Law and Jurisdiction

Nothing herein shall be construed as a representation by HNWI that the information and materials contained in or accessed through this website are appropriate or available for use in geographic areas or jurisdictions other than Singapore. By accessing this website and/or using the online services, you agree that such access and/or use, as well as these Terms and Conditions, shall be governed by, and construed by, the laws of Singapore and you agree to submit to the exclusive jurisdiction of the Singapore courts.

Personal Data Protection

You consent to your personal information being collected, processed, used, and disclosed by HNWI for the purposes set out below. The personal information you provide will be used and processed by or on behalf of HNWI to follow up on any inquiry you may have submitted. When you have any queries about HNWI’s Data Protection Policy or any other questions about how we may manage, protect and/or process your personal data, please do not hesitate to contact our Data Protection Officer at https://hnwi.com.sg/contact-us/.

1. Purposes for Collection, Use, Disclosure and Processing of Personal Data, Correction of Personal Data and Withdrawal of Consent

We will collect and use the personal data that you have supplied to facilitate the processing of your queries to follow up with you on the matters you enquire and for general marketing purposes, including providing you with information or updates on matters that we believe are of interest to you. By submitting the form and giving your consent, you agree to your data being used in conjunction with the aforesaid and for follow up actions HNWI may take with you. You are encouraged to keep the information provided to us up to date at all times. You are responsible for ensuring that the personal data you provide is correct and accurate. You also have the option to withdraw your consent anytime. If you wish to amend your personal data kept by HNWI or withdraw your consent, please contact us at https://hnwi.com.sg/contact-us/

2. Disclosure of Personal Data to Third Parties

The personal data held by HNWI will be kept strictly confidential. However, HNWI may provide and/or transfer such data, whether in or outside of Singapore to

1. any departments within HNWI;
2. if necessary, Government bodies and agencies;
3. any third party service provider who provides administrative, data processing, computer or other services to HNWI; and
4. any other party as may be required by applicable laws or regulations.

3. Administration and Management of Personal Data

We will make reasonable efforts to ensure that your personal data is accurate and complete. However, this means that you must also update us of any changes in your personal data that you had initially provided us. We will not be responsible for relying on inaccurate or incomplete personal data arising from you not updating us of any changes in your personal data that you had initially provided us. We will also put in place reasonable security arrangements to ensure that your personal data is adequately protected and secured, to prevent any unauthorized access, collection, use, disclosure, copying, modification, leakage, loss, damage and/or alteration of your personal data. However, we cannot assume responsibility for any unauthorized use of or access to your personal data by third parties.

We retain personal data in accordance with legal, regulatory, business, and operational obligations.

4. Complaint Process

If you have any complaint or grievance regarding how we handle your personal data, we welcome you to contact us with your complaint or grievance at https://hnwi.com.sg/contact-us/

HNWI strives to deal with all complaints and/or grievances promptly and equitably.

5. Updates on Data Protection Policy

As part of our efforts to ensure that we properly manage, protect, and process your personal data, we will be reviewing our policies and processes from time to time. You are encouraged to visit our website from time to time to ensure that you are well informed of our latest policies about personal data protection.