Disclaimer

By using this website, you signify that you have read and agree to be bound by this Disclaimer, Terms of Use, and Privacy Policy.

This disclaimer governs your use of the HING Financial website and the information provided herein. Please read this disclaimer carefully before using our services or relying on any information provided on this website.

1. General Information and Purpose

The information provided on the HING Financial platform (the "Information") is:

• (a) intended for general circulation in Singapore, and
• (b) not intended for general circulation outside of Singapore.

The Information is provided for general informational and educational purposes only. It is not intended to constitute financial, investment, legal, or tax advice. The Information does not take into account the specific investment objectives, financial situation, or particular needs of any individual person.

2. Not an Offer or Solicitation

The Information does not constitute an offer or solicitation to buy or sell any investment products, insurance policies, or financial services. Any investment decisions should be made only after conducting thorough due diligence and seeking professional advice.

Nothing contained on this website shall constitute an offer, promise, or commitment for any loan, investment product, insurance policy, or any other financial service unless expressly stated in a formal written agreement.

3. Professional Financial Advice Required

Investors and consumers should seek advice from a qualified and licensed financial adviser before investing in any investment products, purchasing insurance policies, or adopting any investment or financial planning strategies.

In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether the product or service in question is suitable for you based on your own financial circumstances, investment objectives, and risk tolerance.

4. Investment Risks

All investment products and financial planning strategies discussed on this website are subject to significant investment risks, including but not limited to:

• Possible loss of the principal amount invested
• Market volatility and fluctuations
• Currency exchange rate risks
• Interest rate risks
• Credit and default risks
• Liquidity risks
• Political and regulatory risks

Past performance of investment products is not indicative of future performance. The value of investments can go down as well as up, and you may not get back the full amount invested.

5. Accuracy and Completeness of Information

While HING Financial endeavors to ensure that the Information provided on this website is accurate, current, and complete, we make no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, merchantability, or fitness for any particular purpose of the Information.

All effort is taken to provide accurate information regarding financial products, interest rates, fees, and calculations. However, the information is provided for estimation and illustrative purposes only and should not be considered as 100% accurate or guaranteed.

HING Financial reserves the right to make changes to the Information from time to time without prior notice. HING Financial undertakes no obligation to update or revise any Information on this website.

6. No Warranty or Guarantee

HING Financial and its affiliates, partners, directors, officers, employees, and agents make no warranty as to:

• The accuracy, completeness, merchantability, or fitness for any purpose of the Information
• The results obtained by any person from the use of any Information or investment products mentioned
• The suitability of any financial product, service, or strategy for any particular individual
• The uninterrupted or error-free operation of this website

7. Limitation of Liability

In no event shall the Information, its contents, or any change, omission, or error in the Information form the basis for any claim, demand, or cause of action against HING Financial and/or any of its affiliates, partners, directors, officers, employees, or agents.

HING Financial and its affiliates expressly disclaim all liability for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with:

• Your use of or reliance on the Information
• Your inability to use this website or any services
• Any errors, omissions, or inaccuracies in the Information
• Any investment or financial decisions made based on the Information
• Any losses or damages resulting from investment products or financial services

This limitation of liability applies even if HING Financial has been advised of the possibility of such damages.

8. Third-Party Content and Links

This website may contain links to third-party websites, content, or services that are not owned or controlled by HING Financial. HING Financial has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Any statements or information expressed by other organisations or third parties are those of the respective authors and not of HING Financial. HING Financial does not endorse or make any representations about third-party websites or their content.

You acknowledge and agree that HING Financial shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third-party content, goods, or services.

9. No Guaranteed Results

HING Financial does not guarantee:

• Acceptance into any particular financial planning program or specific terms with any service provider
• That the rates, terms, or conditions offered by financial institutions are the best available in the market
• Any specific investment returns or financial outcomes
• That following any strategy or advice will result in any particular financial result

Individual results may vary based on numerous factors including but not limited to market conditions, individual circumstances, risk tolerance, and time horizon.

10. Regulatory Compliance

HING Financial is regulated by the Monetary Authority of Singapore (MAS). However, this regulation does not constitute an endorsement or guarantee of the services provided or the information presented on this website.

All financial products and services are subject to their respective terms and conditions, and regulatory requirements as set by MAS and other relevant authorities.

11. Distribution and Recirculation

In the event that the Information or any part thereof is recirculated, transmitted, or otherwise distributed in any format to any other person by a recipient, such recipient will have the full responsibility to ensure that such recirculation, transmission, or distribution complies with all applicable laws, rules, regulations, and directives in all the relevant jurisdictions.

HING Financial and its affiliates hereby disclaim all responsibility and liability arising in connection with such recirculation, transmission, or distribution.

12. Modifications to Disclaimer

HING Financial reserves the right to modify this Disclaimer at any time without prior notice. Any changes will be effective immediately upon posting on this website. Your continued use of this website after any such changes constitutes your acceptance of the modified Disclaimer.

13. Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of the Republic of Singapore. You agree to submit to the exclusive jurisdiction of the Singapore courts for any disputes arising out of or in connection with this Disclaimer.