Taurus Client Advisory System

Terms and Conditions


PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING OR ACCESSING THIS WEBSITE ("THIS SITE"). BY USING OR ACCESSING THIS SITE, YOU ARE AGREEING TO THE TERMS OF USE LISTED BELOW. IF YOU DO NOT AGREE TO THE TERMS BELOW, PLEASE DO NOT USE OR ACCESS THIS SITE.

INTELLECTUAL PROPERTY RIGHTS

All contents of, and materials located on, this Site, including but not limited to the text, images and other information herein and their arrangement, are protected by copyright, trademark and other proprietary rights of Taurus Wealth Advisors Pte Ltd ("TWA"). This means that you shall not without the express written consent of TWA distribute the text or graphics to others; "mirror" or include this information on your own server or documents; or modify or re-use the text or graphics on this system. TWA reserves all other rights. The TWA logos are trademarks of Taurus Wealth Advisors Pte Ltd.

All trademarks, service marks, logos and any other marks whatsoever are used for the benefit of their respective owners and are not intended to infringe the trademark of any such person.

LICENSE

Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, trademark, or proprietary rights of TWA or of any third party. Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any TWA copyright.

DISCLAIMERS

The information published on this Site is provided without charge as a convenience to visitors, to be used for informational purposes only and shall not be construed as an offer or solicitation to deal in the funds or products referred to or contained in this Site. While TWA has tried to provide accurate and timely information, there may be inadvertent delays, omissions, technical or factual inaccuracies and typographical errors.

The information provided on this site is provided "AS IS", "AS AVAILABLE" and is provided by way of a simple summary. TWA does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained in this Site, and TWA expressly disclaims liability for errors or omissions in these materials. TWA makes no commitment to update the information contained in this Site. Accordingly, you are advised to read the relevant product information and contract for further information.

All materials and contents found in this Site are strictly for information purposes only and should not be considered as an offer, or solicitation, to deal in any of the funds, insurance policies or products found in this Site. Any forecasts or projections or forward looking statements made whether by TWA or any other party in this Site are not necessarily indicative of future or likely performance, future events or future financial performance of products, countries, markets or companies. These statements are only predictions and actual events or results may differ. Please make your own assessment of the relevance, accuracy and adequacy of the information contained in this Site. You are advised to make your independent investigations as may be necessary or appropriate for the purpose of such assessment. Any opinion or estimate contained in this Site is made on a general basis and neither TWA nor any of its servants or agents have given any consideration to nor have they or any of them made any investigation of the investment objective, financial situation or particular need of any user or reader, any specific person or group of persons. Accordingly, TWA expressly disclaims all liability for the use or interpretation by others of information contained in this Site or for any loss arising whether directly or indirectly as a result of the visitor, user, any person or group of persons acting on any information, opinion or estimate contained in this Site. Decisions based on information contained in this Site you're your sole responsibility, and in exchange for using this Site, you agree to hold TWA, its subsidiaries and affiliates harmless and not legally liable against all and any claims for damages arising from any decisions that you make based on such information.

Investments in the unit trusts are not deposits or other obligations of, or guaranteed or insured by TWA, or any other fund house or fund manager or their affiliates referred to in this Site and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future performance. The value of the unit trusts and the income from them may fall as well as rise. All applications for unit trusts must be made on the application form accompanying the prospectus. Investors should read the prospectus for details. Units in the Fund are not available to U.S. persons.

Investments in the unit trusts are not deposits or other obligations of, or guaranteed or insured by TWA, or any other fund house or fund manager or their affiliates referred to in this Site and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future performance. The value of the unit trusts and the income from them may fall as well as rise. All applications for unit trusts must be made on the application form accompanying the prospectus. Investors should read the prospectus for details. Units in the Fund are not available to U.S. persons.

The information and descriptions about your insurance information contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to your insurance policies issued by the respective insurance companies, which you have purchased your insurance policies; and it is provided solely for general informational purposes. You have to refer to the actual insurance policy contract(s) for the exact terms, exclusions and conditions of the policy.

If you are accessing this Site from a jurisdiction outside of Singapore, you are responsible for compliance with the applicable laws and regulations of your jurisdiction. Please do not access this Site if the publication or availability of this Site is prohibited in your jurisdiction in any way.

EXCLUSION OF LIABILITY

VISITORS TO THIS SITE ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS SITE. TWA, ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND ENDORSEMENTS, EXPRESS OR IMPLIED, WITH REGARD TO INFORMATION ACCESSED FROM OR VIA THIS SITE, INCLUDING BUT NOT LIMITED TO ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFIRNGEMENT, AND FREEDOM FROM COMPUTER VIRUS. TWA DOES NOT ASSUME ANY LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THE INFORMATION DISCLOSED AT OR ACCESSED THROUGH THIS SITE. IN NO EVENT SHALL TWA BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF WHATSOEVER KIND RESULTING FROM WHATEVER CAUSE, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE, OR STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN ANY WAY IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION ON, OR ACCESSED THROUGH, THIS SITE.

Any advice or recommendation in the Site has been made on a general basis without taking into account or considering the investment objective, financial situation or particular need of any user or reader, any specific person or group of persons. Any reliance on such advice or recommendation is entirely at your own risk IN ALL CASES, YOU SHOULD ALWAYS SEEK THE ADVICE OF PROFESSIONAL ADVISORS REGARDING THE EVALUATION OF ANY PRODUCT, INSURANCE, UNIT TRUST OR OTHER FINANCIAL INSTRUMENT, REPORT, INDEX, ADVICE, OPINION OR ANY OTHER CONTENT. Any hyperlinks to any other websites are not an endorsement or verification of such websites and such websites should only be accessed at the user's own risks. This exclusion clause shall take effect to the fullest extent permitted by law.

LINKS TO THIRD PARTY WEBSITES

TWA makes no representations whatsoever about any other web site which you may access through this Site. When you access a non-TWA web site, please understand that it is independent from TWA, and that TWA has no control over the content on that web site. In addition, a link to a non-TWA web site does not mean that TWA endorses or accepts any responsibility for the content, or the use, of such web site and TWA shall not be liable for any accuracy or quality of any such content. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature. TWA makes no representation or warranty as to any third party products.

LINKING TO THIS SITE

No hyperlinks to the Site or any of the internal or subsidiary pages within the Site, or framing of any content in the Site, shall be made by anyone unless with the prior consent of TWA. Without prejudice to any of its other rights, TWA may ,upon discovering such unauthorized linking or framing, disable such links or frames.

SUBMISSION OF INFORMATION

By providing information (such as feedback, data, answers, questions, comments, suggestions, plans or ideas) to TWA, you agree that such information shall be non-confidential and that TWA shall have unlimited rights to use, distribute, reproduce, and disclose such information worldwide as TWA deems appropriate, without compensation or acknowledgement of its source. TWA shall be free to use any ideas, concepts, know-how or techniques contained in information which you provide to TWA through this Site, including but not limited to developing, manufacturing, and marketing products or services incorporating or otherwise based on such information.

REGISTRATION AND USE

You have been provided with an account ("Account"), a user identification ("User ID") and password ("Password") specific to your Account which you may use to navigate and carry out transactions on this Site.
TWA shall be entitled to disclose the User ID, Password or Account contents to any third party if required to do so by any law, regulation or court order.
You shall :-

1. be responsible for ensuring the confidentiality of your Account, User ID and Password;
2. immediately notify TWA of any theft or unauthorized use of your Account, User ID and Password or any other breach of security;
3. log out of your browser at the end of each of your sessions on the Site;
4. not disclose your User ID or Password to any third party;
5. be solely responsible for any activities that take place through your Account, User ID or Password and for the contents of your Account.

In no circumstances shall TWA be liable to you in any way whatsoever for any loss, damage, costs, expense incurred by you as a result of, arising out of or in connection with, whether directly or indirectly, the wrongful or fraudulent use of your Account, User ID or Password.

You shall have no rights, title, interests over your Account, User ID or Password. TWA shall be entitled (at its sole discretion and without assigning any reason) to terminate the use of the same at any time whatsoever. Upon such termination, you shall no longer be entitled to use or access your Account, User ID or Password. TWA shall not be liable to you or any third party for any termination, deactivation or deletion of your Account, User ID or Password or the contents of the Account.

CLIENT SERVICES

The Account is made possible by your Financial Advisor and Taurus Wealth Advisors Pte Ltd. You should contact your financial advisor regarding any matters about your Account.

GOVERNING LAW & JURISDICTION

By using and accessing this Site website, you agree that Singapore law shall govern such use and access and you agree to submit to the exclusive jurisdiction of the Singapore courts.