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The use of this Website is subject to the following terms herein, the Privacy Policy and any additional terms and conditions, rules, disclaimers and notices displayed by elsewhere on this Website (collectively “terms and conditions”).

Please read these terms and conditions carefully before using this website. The terms and conditions apply to all visits and use of this website, as well as to the content, information, recommendations, products and/or services provided to you on or through this website.

By continuing to access or use this website, you hereby agree to enter into an agreement with WEALTH and to be unconditionally bound by these terms and conditions which may be amended, modified or varied by WEALTH at its sole discretion at any time without prior notice to you.

Your continued use of this website shall be deemed an acceptance of these terms and conditions as revised.

If you do not accept these terms and conditions, please do not use this website.

1. DEFINITIONS

a) These words have the following meanings:

“WEALTH” means Find A Wealth Manager Private Limited, a company registered in Singapore with company number 201225155C and registered office at 140 Robinson Road, #15-00, Singapore 068907.

“Introduction” means the provision by WEALTH of your profile (including your contact details) to a Professional Services Firm or Professional Services Firms based on your answers in the Questionnaire; Introduce, Introduces and Introducer shall be interpreted accordingly;

“Introduction Date” means the date on which WEALTH first introduces you;

“Questionnaire” means the questionnaire on the Website used to match you with Professional Services Firms;

“Services” means wealth management services;

“Website” means the Singapore based website located at wealthinasia.com or any other website address that may replace it, and any other website which WEALTH owns;

“you”/”your” means you as the person using the Website;

and “Professional Services Firm” means a person who provides the Services, including but not limited to; Wealth Managers, Lawyers, Accountants, Trust Providers, Property Companies.

b) Clause headings shall not affect the interpretation of these terms and conditions.

c) A person includes a natural person, corporate or unincorporated body (whether or not having separate legal personality).

d) Words in the singular shall include the plural and vice versa.

e) A reference to a statute or statutory provision is a reference to it as it is in force for the time being, taking account of any amendment, extension, or re-enactment and includes any subordinate legislation for the time being in force made under it.

f) Reference to writing or written includes e-mail.

g) References to clauses are to the clauses of these terms and conditions.

2. WEALTH OBLIGATIONS

a) If you properly complete and submit the Questionnaire, then WEALTH shall use its reasonable endeavours to Introduce you to Professional Services Firms, listed on WEALTH’s database on the Introduction Date, with the intention that you obtain advice from the Professional Services Firm regarding your requirements and the Services.

b) WEALTH warrants that it:

i.   is impartial and that it only Introduces you on the basis of your answers to the Questionnaire and information provided by the Professional Services Firms about the Services they provide;

ii. does not under any circumstances provide financial or investment advice nor any financial products or services, and shall not provide you with any specific advice relating to any particular investment;

iii.   does not make any arrangements for you with any Professional Services Firm regarding the Services;

iv. shall Introduce you to a maximum of three Professional Services Firms, unless:

a. you specifically request more; or

b. a Professional Services Firm has not contacted you within on week of the Introduction Date; or

c. after a meeting with a Professional Services Firm, you deem the Professional Services Firm unsuitable; or

d. you are an existing client of the Professional Services Firm or you have engaged in two way communication with the Professional Services Firm in the six months prior to the Introduction Date, in which case Find A Professional Services Firm shall at your request Introduce you to an additional Professional Services Firm.

3. YOUR OBLIGATIONS AND CONDUCT

a) You warrant that in using the Website you shall:

i. provide accurate answers to the Questionnaire;

ii. complete the Questionnaire in good faith with the genuine intention of discussing your requirements with the Professional Services Firms to whom you are Introduced;

iii.   assist WEALTH with any reasonable queries WEALTH may have, including but not limited to, queries relating to your answers to the Questionnaire and any existing relationship with Professional Services Firms;

iv. not access, interfere with, damage or disrupt any part of the Website, any equipment, systems or network used to operate the Website, or attempt to access any secure area

v. transmit any data, send or upload any material that contains viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer or hardware;

vi. use current virus checking software when using the Website; and

vii. not reproduce, duplicate, copy or re-sell any part of the Website.

b) You may commit a criminal offence under the Computer Misuse and Cybersecurity Act 2007 (Part II Offences) if you breach provisions (v) and (vi) above. WEALTH will report any such breach to the relevant law enforcement authorities and WEALTH will co-operate with those authorities and may disclose your identity.

4. DISCLAIMERS

a) WEALTH promotes introductions to Services provided by suitably authorised and regulated Professional Services Firms in Singapore. It does not itself, and will not, offer or provide any financial advice or carry on any other regulated activities as defined in the Financial Advisers Act (Cap 110) 2007.

b) The contents of this Website do not purport to provide any financial, investment or professional advice and nothing on the pages of the Website shall be deemed to constitute the offer or provision of financial, investment or other professional advice in any way.

c) While WEALTH tries to ensure that the Website is as accurate as possible WEALTH makes no warranty of any kind with respect to the information on the Website.

d) WEALTH is not responsible for any actions (or lack thereof) taken as a result of relying on or in any way using the information on the Website and in no event does WEALTH have any liability for any damages resulting from reliance on or use of such information.

e) WEALTH has no responsibility for any goods or services offered or provided by any third party. For the avoidance of doubt, WEALTH has no responsibility to you for any goods, services or activities offered or provided by any Professional Services Firm, including Professional Services Firms introduced pursuant to these terms and conditions or the Questionnaire.

f) Descriptions of or references or links to other publications within the Website do not imply endorsement of these publications, businesses or individuals.

g) Except for the express limited warranties set forth in these terms and conditions, and to the maximum extent permitted by law, WEALTH makes no warranties, representations or conditions of any kind, express, implied, statutory, or otherwise by any country or jurisdiction, related to or arising in any way out of these terms and conditions or the questionnaire, or to the products, services, intellectual property or benefits related to these terms and conditions, or to the quality, suitability or availability of any Professional Services Firm, or the success of any activities or the amount of financial returns or investment returns that will be generated as a result of these terms and conditions or the questionnaire. WEALTH specifically disclaims any implied warranty, term, representation or condition of merchantability, satisfactory quality, fitness for a particular purpose, and non-infringement.

h) WEALTH does not represent that this website or its contents and materials are appropriate or available for use in all jurisdictions. If you access or use this website, you do so at your own initiative and you shall be responsible for compliance with your local laws.

i) WEALTH does not warrant or guarantee the accuracy or completeness of the contents or materials on this website which may be out of date, nor does WEALTH make any commitment or assume any duty to update such contents or materials.

j) WEALTH does not warrant or guarantee that information and materials available for download from this website will be free of infection from viruses, worms, trojan horses or other code that manifests contaminating or destructive properties

k) Without limiting the foregoing, everything on the website is provided to you “as is” without warranties of any kind, either express or implied, including, but not limited to warranties of merchantability, fitness for a particular purpose or non-infringement. All users access and use this website and its content at their own risk. WEALTH does not accept responsibility for information on other sites, including those linked to this website.

l) WEALTH reserves the right to limit provision of information of our products or services to any person, geographic region or jurisdiction and/or to limit the quantities of any products or services we provide.

5. TRADE MARKS

a) WEALTH is a trade mark of Find A Wealth Manager Pte Limited. All other names and logos identifying the Website and its services are either:

i) proprietary marks of WEALTH; or

ii) marks which WEALTH is licensed to use.

b) Subject to clause 5, these terms and conditions do not provide you with any license of any mark or of any other intellectual property of WEALTH or any third party.

6. COPYRIGHT

a) The copyright in the content (including but not limited to design, text and graphics) of all the pages on the Website is owned by WEALTH, or its licensors (except where otherwise stated). Reproduction of part or all of the contents in any form is prohibited other than in accordance with the following permissions.

b) WEALTH authorises you to carry out the following actions, provided that you comply with your obligations under these terms and conditions:

i.view and display the content of the Website; and

ii. print or download to a local or network hard drive extracts from or whole pages for your personal use provided you do not delete the copyright notice “© Find A Wealth Manager Private Limited 20[year]” from any such printouts and downloads.

c) You must not modify the paper or digital copies of any materials that you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

d) You are not permitted to incorporate any materials, or any part of the materials, from the Website in any other work or publication, whether in hard copy or electronic or any other form.

e) You may not:

i. systematically extract and/or re-utilise parts of the Website;

ii. use substantial parts of the Website to create and/or publish your own database;

iii. frame or use framing techniques to enclose any trade mark, logo, or other proprietary information of WEALTH; or

iv.link to any part of the Website, other than the home page, for any commercial purpose, unless you have WEALTH’s express written consent.

f) No part of the Website may be distributed or copied for any commercial purpose.

7. LIABILITY

a) To the fullest extent permissible by the applicable law, in no event shall WEALTH be liable to you or to any party for any loss or damage of any kind howsoever caused arising out of or in any way connected with the use of this website.

b) Your use of the website is at your own risk. In no event shall WEALTH, its affiliates or any other party involved in creating, producing or delivering the website be liable for any damages (including, without limitation, direct, incidental, consequential, indirect or punitive loss or damages, or damages resulting from lost profits, lost data or business interruption) arising out of your access to, use of or inability to access or use, the website or any errors or omissions in its content. This includes damages to or viruses that may infect your computer equipment.

c) Nothing in these terms and conditions is intended to exclude or limit WEALTH liability for any liability which cannot be excluded or limited by law.

d) You agree to indemnify, defend and hold harmless WEALTH, its officers, directors, employees, agents, suppliers, affiliates, and third party partners from and against all losses, expenses, damages and costs, including reasonable legal fees, resulting from any violation by you of these terms and conditions, or any activity related to your user account with WEALTH (including negligent or wrongful conduct) by you or any other person accessing the website using your account.

8. SUSPENDING OR ENDING ACCESS

a) WEALTH reserves the right to suspend access to the Website at any time.

b) WEALTH may suspend access to the Website without warning if the Website needs maintenance or breaks down.

c) WEALTH will suspend access to the Website if required to do so by any court or any other relevant authority.

9. YOUR PERSONAL INFORMATION

WEALTH takes your privacy very seriously, and has created a Privacy Policy that explains the rights and responsibilities with respect to personal information disclosed on the Website. Please see the Privacy Policy of WEALTH for your reference on what information we collect and how we will use and protect it. By using this Website, you accept and consent to the practices described in our Privacy Policy.

10. INDEPENDENT STATUS

a) WEALTH is an independent contractor, and nothing in these terms and conditions shall constitute the creation, establishment or relationship of partnership, joint venture or employer and employee between the parties.

11. FEE DISCLOSURE

a) WEALTH is an independent and cost-free service for you the client to use.

b) WEALTH receives payment from the Professional Services Firms who are members of the database of the Website via:

i) an annual membership fee

ii) Depending on the industry some Professional Services Firms that WEALTH introduce you to, remunerate us for client leads that they receive if a client lead ever does business with the Professional Services Firm. That referral fee can equate to up to half of the revenue that they earn from the client lead in the first year of doing business. This remuneration may also be paid out over a longer period than one year, depending on the Professional Services Firm.

12. ENTIRE CONTRACT

a)  These terms and conditions constitute the entire contract between the parties and supersedes and extinguishes all previous drafts, contracts, arrangements and understandings between them, whether written or oral, relating to its subject matter.

b) Each party acknowledges that in entering into these terms and conditions it does not rely on, and shall have no remedies in respect of, any representation or warranty (whether made innocently or negligently) that is not set out in these terms and conditions. No party shall have any claim for innocent or negligent misrepresentation based upon any statement in these terms and conditions.

13. NOTICE

Any notice or other communication required to be given under these terms and conditions, must be given in writing.

14. GENERAL

a) WEALTH may amend these terms and conditions by publishing any amendments on the Website which will become effective 14 days after notification of such amendment appears on the Website. Your continued use of the Website will be deemed acceptance of the updated terms.

b) Access to the Website is free, however it is WEALTH’s policy to continuously review the terms on which WEALTH provides services and accordingly WEALTH reserves the right to introduce a charge to use the Website at any time. WEALTH may vary any such account charges from time to time.

c) You may not transfer your rights under these terms and conditions. WEALTH may transfer its responsibilities in these terms and conditions without your permission provided that your rights are not reduced.

d) If any provision of these terms and conditions shall be found by any court of competent jurisdiction to be invalid or unenforceable in whole or in part, such invalidity or unenforceability shall not affect the other part of that provision or the other provisions of these terms and conditions which shall remain in full force and effect.

e) The failure of either party to enforce or to exercise at any time or for any period of time any term of or any right pursuant to these terms and conditions does not constitute, and shall not be construed as, a waiver of such term or right and shall in no way affect that party’s right later to enforce or to exercise it.

f) These terms and conditions do not confer any benefit on a third party under the Contracts (Rights of Third Parties) Act (Cap 53B).