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

1. General Terms & 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 HING Financial 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 HING Financial
• "Parties" refer to both you and HING Financial collectively
• "Personal Identification Information" means your name, address, identification number, email address and other personal details

2. 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.

3. Use of Service

HING Financial 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.

4. Financial Advisory Services

The data and other information you may provide HING Financial 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. HING Financial 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, HING Financial 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.

5. Fees and Compensation

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

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

6. 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 a HING Financial Financial Advisor.

7. Intellectual Property

All copyrights are held by HING Financial. 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.

8. Limitation of Liability

HING Financial and its 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.

HING Financial undertakes no responsibility to update the Information. HING Financial 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 HING Financial and/or any of its affiliates, and HING Financial expressly disclaims liability for the same.

9. 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.

10. 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.

11. 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.

12. Relationship of Parties

You acknowledge and agree that HING Financial 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.

13. Modifications to Terms

HING Financial 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.