Your use of this website and/or the online services is subject to the following Terms of Use and Privacy Policy available at [Link]. If you do not accept any of these Terms of Use and/or the Privacy Policy, you must immediately discontinue your access of this website and/or use of the online services.

Copyright and Trademark Notices

All rights (including, but not limited to, copyright) in and to the contents (including, but not limited to, trademarks, service marks, logos, text, graphics, images, links and sounds) contained on this website are owned by or licensed to Pepper Global Assets (Singapore) Pte Ltd (“Pepper”) and/or its holding company and/or its subsidiaries and/or the subsidiaries of its holding company (together the “Pepper Group”), and may not be copied, modified, downloaded, distributed or published in any way without the prior written consent of the Pepper Group or its licensors, as the case may be.

Disclaimer

The information and materials contained in or accessed through this website are provided on an "as is" and "as available" basis and are of a general nature which have not been verified, considered or assessed by any member of the Pepper Group in relation to the making of any specific investment, business, financial or commercial decision. Such information and materials are provided for general information only and you should seek professional advice at all times and obtain independent verification of the information and materials contained herein before making any decision based on any such information or materials. The Pepper Group 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. 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 and freedom from computer virus and other malicious code), is given in conjunction with such information and materials, or this website in general. Under no circumstances shall the Pepper Group 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 this website and/or using the online services even if the Pepper Group had been advised as to the possibility. In no event shall the Pepper Group 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 opportunity) arising in connection with the unavailability of this website, 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 the Pepper Group had been advised as to the possibility of such damages.

Hyperlinks

For your convenience, the Pepper Group may include hyperlinks to websites on the Internet that are owned or operated by third parties. Such linked websites are not under the control of the Pepper Group and the Pepper Group cannot accept responsibility for the contents of or the consequences of accessing any linked website or any link contained in a linked website. Furthermore, the hyperlinks provided in this website shall not be considered or construed as an endorsement or verification of such linked websites or the contents therein by the Pepper Group. 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 of access and/or use contained therein.

Indemnity

You hereby agree to indemnify and save the Pepper Group harmless against all damages, losses, expenses and costs (including legal costs) suffered or incurred by the Pepper Group in connection with or arising from (1) your access of this website and/or use of the online services, or (2) your breach of any of these Terms of Use.

Local sites

This website does not allow you to directly purchase any product and/or service. Please refer to your local website for further information on products and services offered in your relevant country. Your use of the local website(s) will be governed by both these Terms of Use and the terms and conditions set out for the relevant local website. In the event of conflict between (1) these Terms of Use, and (2) the local website’s terms and conditions, the local website’s terms and conditions shall prevail to the extent of such conflict with respect to your use of the local website(s).

Products and services

The information and material on this website is not an offer, solicitation, invitation, advice or recommendation for products or financial services provided by any Pepper Group member. The full range of products or services may not be available in all countries. Use of the products or services described on this website may not be permitted in some countries and if in doubt, you should check with your local financial regulator or authority before requesting further information. These products and services may be withdrawn or amended at any time without prior notice. Products and services are available only at the discretion of Pepper or the relevant Pepper Group company or associate, subject to the individual contractual terms and conditions on which those products and services are offered (“Product Terms and Conditions”). In the event of conflict between (1) these Terms of Use and/or the local website’s terms and conditions, and (2) the Product Terms and Conditions, the Product Terms and Conditions shall prevail.

Miscellaneous

The information and materials herein (including these Terms of Use) are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice. Accordingly, please ensure that you regularly read the latest version of this page. The Pepper Group 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.

Governing Law and Jurisdiction

By accessing this website and/or using the online services, you agree that such access and/or use, as well as these Terms of Use shall be governed by, and construed in accordance with, the laws of Singapore and you agree to submit to the non-exclusive jurisdiction of the Singapore courts.