Terms of Use

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

This Kenneth Hing Terms of Use constitutes an agreement between you (Subscriber, user, or customer) and us (Kenneth Hing) and sets forth the terms and conditions that apply to your access and use of our Kenneth Hing Service, Website and Applications.

1. General Terms and Definitions

Content and Information

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

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

The Information does not constitute an offer or solicitation to buy or sell any investment product(s). It does not take into account the specific investment objectives, financial situation or particular needs of any person. Investors should seek advice from a financial adviser before investing in any investment products or adopting any investment strategies.

In the event that the investor chooses not to seek advice from a financial adviser, he/she should consider whether the product in question is suitable for him/her. The investment product(s) discussed herein are subject to significant investment risks, including the possible loss of the principal amount invested.

Definitions

• "Agreement" means this Kenneth Hing Terms of Use, Disclaimer and Privacy Policy
• "Confidential Information" means all information exchanged between the Parties in connection to the Service, whether in writing, electronically or verbally
• "Party" refers individually to each of you and Kenneth Hing
• "Parties" refer to both you and Kenneth Hing collectively
• "Personal Identification Information" means your name, address, identification number, email address and other personal details

2. Roles and Account Types

Different individuals may interact with our website and platform in various capacities. The following roles and account types apply:

• "Visitor" means any individual who accesses our website without creating an account or logging in. Visitors may browse publicly available content only.
• "User" means any individual who has created an account or logged in to access features of our platform that require authentication, such as tools, calculators, or personalised content.
• "Client" or "Customer" means an individual who has engaged or is engaging Kenneth Hing for financial advisory or related services.
• "Member" means a User or Client who has been granted access to specific platform features, services, or community resources.
• "Authorized Representative" means a third party duly authorised by a Client or User to act on their behalf in relation to our services.
• "Admin" means authorised personnel supporting Kenneth Hing who are responsible for managing, administering, or operating the platform.

Some features of our platform require login, and access levels may differ depending on your role. By creating an account, you agree to provide accurate and complete information and to keep it up to date.

3. Acceptance of Terms

By accessing, browsing or using this website, or any page thereof, through any direct or indirect means, or by using the goods, facilities or services offered in or through the Website through alternative methods (including telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use.

If you do not agree to these terms and conditions, you are not authorized to access or use the Website and you must cease accessing or otherwise using the Website immediately.

4. Use of Service

Kenneth Hing operates the Website and shall have the right at any time to change or discontinue any aspect or feature of the Website and the right to modify the terms and conditions applicable to users of the Website, including these Terms of Use, or any part thereof. Such changes, modifications, additions or deletions shall be effective immediately upon posting on the Website.

Any use by you of the Website or the goods, facilities or services offered in or through the Website shall be deemed to constitute acceptance of such changes.

5. Account Security and Responsibilities

If you have been provided with, or have created, login credentials to access any part of our platform, you acknowledge that you are fully responsible for:

• Maintaining the confidentiality of your password and login credentials
• All activities that occur under your account
• Using a secure and up-to-date device when accessing the platform
• Logging out of your account after each session, especially on shared or public devices
• Promptly reporting any suspicious or unauthorised activity on your account to us

Kenneth Hing will never ask for your password via email, WhatsApp, SMS, phone call, or any other communication channel. If you receive any such request claiming to be from us, do not respond and report it immediately to [email protected].

Kenneth Hing is not liable for any loss or damage arising from your failure to comply with these security obligations.

6. Acceptable Use and Prohibited Actions

In using our website and platform, you agree not to:

• Violate any applicable law, statute, or regulation in Singapore or any other jurisdiction
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity
• Provide false, inaccurate, or misleading information
• Engage in any form of harassment, defamation, threats, or abusive behaviour towards other users or staff
• Send unsolicited messages, spam, or phishing communications through or in connection with the platform
• Upload, transmit, or distribute any viruses, malware, or other harmful code
• Attempt to gain unauthorised access to any part of the platform, other accounts, computer systems, or networks
• Scrape, crawl, or use automated tools to extract data from the website without prior written permission
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any part of the platform
• Copy, reproduce, modify, distribute, or create derivative works of any content on the website without express written permission
• Use the platform for any illegal activity, including money laundering, fraud, or activities that violate any anti-corruption laws
• Take any action that imposes an unreasonable or disproportionately large load on our infrastructure

Kenneth Hing reserves the right to suspend or terminate your access to the platform immediately and without prior notice if we reasonably believe that you have violated any of these prohibited actions or any other provision of these Terms of Use.

7. Service Availability and Changes

Kenneth Hing strives to maintain the availability of our website and platform. However, we do not guarantee that:

• The platform will be available at all times or without interruption
• The platform will be free from errors, bugs, or security vulnerabilities
• Any specific feature or service will continue to be offered

We may modify, update, suspend, or discontinue any part of the platform (including features, tools, or content) at any time, with or without notice, and without liability to you.

Scheduled maintenance or unplanned downtime may occur from time to time. We will make reasonable efforts to provide advance notice of any significant planned maintenance where possible.

8. Financial Advisory Services

The data and other information you may provide Kenneth Hing is not, and is not treated as, an application for any financial product or a request to be pre-approved, pre-qualified or any similar concept. Kenneth Hing does not guarantee acceptance into any particular financial planning program or specific terms or conditions with any service provider.

Approval standards are established and maintained solely by individual service providers and financial institutions. Likewise, Kenneth Hing does not guarantee that the terms or rates offered and made available are the best terms or lowest rates available in the market.

Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for any commitment or interest rate lock-in agreement.

9. Fees and Compensation

Kenneth Hing may receive compensation from financial institutions and service providers for the services provided. The specific fee structure will be disclosed to you during consultation.

Kenneth Hing does not charge you a fee for initial consultation and advisory matching services unless otherwise explicitly stated and agreed upon in writing.

10. Accuracy of Information

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

For more accurate details regarding financial products and services, please consult directly with Kenneth Hing.

11. Intellectual Property

All copyrights are held by Kenneth Hing. Any attempts to copy or reproduce any portion of this site (including information, styles, graphics, scripts) in part or in whole is protected by copyright law.

Anyone found in violation will be prosecuted to the fullest extent of the law.

12. Limitation of Liability

Kenneth Hing and his affiliates make no warranty as to the accuracy, completeness, merchantability or fitness for any purpose, of the Information or as to the results obtained by any person from the use of any Information or investment products mentioned within the Information.

Kenneth Hing undertakes no responsibility to update the Information. Kenneth Hing reserves the right to make changes to the Information from time to time.

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 Kenneth Hing and/or any of his affiliates, and Kenneth Hing expressly disclaims liability for the same.

13. Indemnification

You agree to indemnify and hold harmless Kenneth Hing, his affiliates, partners, representatives, employees, and agents from and against any and all claims, demands, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the website or platform; (b) your violation of these Terms of Use; (c) your violation of any rights of a third party; or (d) any content you submit, post, or transmit through the platform.

14. Account Suspension and Termination

Termination by Kenneth Hing

Kenneth Hing may, at his sole discretion and without prior notice, suspend or terminate your account and access to the platform for any of the following reasons:

• Breach or violation of these Terms of Use or any other applicable policies
• Request by law enforcement or other government agencies
• Unexpected technical or security issues
• Extended periods of inactivity
• Engagement in fraudulent, suspicious, or illegal activity

Termination of your account may result in the removal of your access to the platform and the deletion of your account information, subject to any data retention obligations under applicable law.

Termination by You

You may request to close your account at any time by contacting us at [email protected]. Upon account closure:

• Your access to the platform will be revoked
• We may retain certain data as required by law or for legitimate business purposes (see our Privacy Policy for details)
• Any outstanding obligations under these Terms of Use will survive termination

15. Privacy and Data Protection

Your use of the Website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal data.

16. Marketing Communications

By providing your contact details, you may receive newsletters, updates, or marketing communications from Kenneth Hing, subject to your consent. You can opt out at any time by clicking the "unsubscribe" link in any email or by contacting us at [email protected].

We do not sell, rent, or trade your personal data to third parties for their marketing purposes. For full details, please refer to our Privacy Policy.

17. Third-Party Services and Integrations

Our platform may integrate with or contain links to third-party websites, tools, or services that are not owned or controlled by Kenneth Hing. These third-party services have their own terms of use and privacy policies.

Kenneth Hing does not endorse, guarantee, or assume responsibility for any third-party content, products, or services. Your use of any third-party service is at your own risk, and you should review their terms and policies before use.

Where we engage third-party vendors (such as hosting, analytics, or email communication providers) to support the operation of our platform, they process data under our instructions and are bound by appropriate data protection safeguards.

18. Governing Law

These Terms of Use 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.

19. Rights of Third Parties

A person who is not a party to this Agreement has no right to benefit under or entitlement to enforce any term of this Agreement.

20. Relationship of Parties

You acknowledge and agree that Kenneth Hing is a service provider in connection with the Services and that nothing in this Agreement shall cause or constitute the Parties to be partners, agents or fiduciaries of, or joint ventures with, each other.

21. Modifications to Terms

Kenneth Hing may revise these Terms of Use from time to time. We will notify you of any changes by posting the updated Terms of Use on the Website with a new "Last Updated" date. Your continued use of the Website after such changes constitutes your acceptance of the revised Terms of Use.

22. Contact Information

If you have any questions, concerns, or complaints regarding these Terms of Use, please contact us at: