Disclaimer and Terms and Conditions of Use

1.   Ownership of website

This website belongs to Banjaran Asset Management Pte. Limited (hereafter referred to as "Banjaran"), a company based in Singapore.

2.   Accuracy and Use of Information

The information is provided on a general basis for information purposes only, and is not to be relied on as investment, legal, tax or other advice as it does not take into account the investment objectives, financial situation or particular needs of any specific investor. You should consult a financial adviser before making any investment decision.

Although Banjaran takes all reasonable care to ensure that the information on this website is correct at the time of publication, it makes no representation or warranty (including liability towards third parties), express or implied, regarding the correctness, reliability or completeness of the information provided. Banjaran shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated. Banjaran reserves the right to make changes and corrections to the information, including any opinions or forecasts expressed herein at any time, without notice.

Any research or analysis used to derive, or in relation to, the information herein has been procured by Banjaran for its own use, and may have been acted on for its own purpose. The information herein, including any opinions or forecasts have been obtained from or is based on sources believed by Banjaran to be reliable, but Banjaran does not warrant the accuracy, adequacy or completeness of the same, and expressly disclaims liability for any errors or omissions. As such, any person acting upon or in reliance of these materials does so entirely at his or her own risk. Any projections or other forward-looking statements regarding future events or performance of countries, markets or companies are not necessarily indicative of, and may differ from, actual events or results. No warranty whatsoever is given and no liability whatsoever is accepted by Banjaran for any loss, arising directly or indirectly, as a result of any action or omission made in reliance of any information, opinion or projection in this website.

3.   Updates to Disclaimer and Terms and Conditions of Use

This disclaimer and terms and conditions of use may be updated at any time. Therefore, Banjaran advises you to read through this disclaimer and terms and conditions of use regularly to ensure that you are informed of any changes. The date on which this disclaimer and terms and conditions of use was last updated is given below.

4.   Use of website

Subject to this disclaimer and terms and conditions of use, you may not:

a)   systematically copy (whether by printing off onto paper, storing on disk or in any other way) substantial parts of the website; except where Banjaran provides a download-link.

b)   remove, change or obscure in any way anything on the website or otherwise use any material contained on the website except as set out in this disclaimer and terms and conditions of use;

c)   Use the website for unlawful purposes or fail to comply with any applicable laws, statutes or regulations that apply to your access or use of the website or any information taken or derived from it.

d)   pass on or make available all or part of the website, data or documents from the website to third parties for your own commercial purposes, whether for free or in return for payment.

5.   No offer/inducement

No information published on this website constitutes an offer, a request or a recommendation to buy or sell any investment instruments or to conclude any other transactions or any legal act whatsoever.

6.   Past performance is not a guide to future returns

The future performance of an investment cannot be deduced from previous market value, i.e. the value of an investment may fall as well as rise. Therefore, good performance in the past does not guarantee good performance in the future. Investments in foreign currencies may also lose value as a result of changes in currency exchange rates and are therefore subject to greater risk. Therefore, Banjaran cannot guarantee that any capital invested will maintain its value or increase in value.

7.   No responsibility for links

Some links on the website lead to third-party websites, which are completely beyond the control of Banjaran. Accordingly, Banjaran does not assume any responsibility for the accuracy, completeness or legality of the contents of such websites, or for any offers and services contained.

8.   Copyright

The entire content of the website is subject to copyright with all rights reserved by Banjaran. You may save or print out a hard copy of individual pages and/or sections of the website provided that you do not remove any copyright notices or any other legally protected proprietary notices. By saving or otherwise copying any data on the website, you agree to be bound by these Terms of Use. All copyrights and rights of ownership shall remain with Banjaran.

9.   No links to the website

You may not link to the website without the prior written permission of Banjaran.

10.   Trademarks

Nothing on this website shall be construed as granting any licence or right to use any image, registered trademark, logo or software. Downloading or copying of this website or of parts thereof shall not transfer any title to you. Banjaran reserve all rights (in particular with respect to copyrights and trademark ownership) to all materials on the website and will enforce their rights to the full extent of the law.

11.   Legality of Publication of the information on the website

The website contains information and documents which is not directed to any person in any jurisdiction where (by reason of that person's nationality, tax residence or otherwise) the publication or availability of the website is prohibited. Persons in respect of whom such prohibitions apply must not access the website.

12.   Location of Users

The website is aimed at users in the Republic of Singapore.

13.   Availability of the website

Banjaran may suspend the operation of the website at any time without notice. Banjaran does not warrant that access to or use of the website or of any sites or pages linked to it will be uninterrupted or error free.

14.   Changes to form and content of the website

Banjaran may change the format and content of the website at its sole discretion at any time without notice. You should refresh your browser each time you visit the website to ensure that you access the most up-to-date version of the website and any information appearing on it.

15.   No contract

No contract between you and Banjaran shall arise out of your use of the website and Banjaran shall not have any contractual or quasi-contractual liability to you.

16.   Governing Law

This disclaimer and terms and conditions shall be governed and interpreted in accordance with the law of the Republic of Singapore, and you consent to the exclusive jurisdiction of the Singapore Courts.

17. Severability

If any provision of this disclaimer and terms and conditions of use is found to be unenforceable, that finding will not affect the validity of any other provision.

Banjaran Asset Management Pte. Ltd., Registration Number 201425066W


Updated 21 February 2018