You:
- must not use or act on or through the Platforms, directly or indirectly, to commit any crimes;
- must not act on or through the Platforms so as to interfere with or disrupt Internet users, service providers, or their computers, software or hardware. Such actions include, but are not limited to, the circulation of any unsolicited publicity or advertising material, propagation of computer worms or viruses, using the Platforms to gain unauthorised access to any other computer, sending harassing, obscene, indecent, offensive or threatening electronic mail, forgery (or attempted forgery) and creation of false electronic mail messages or websites and the replacement, transmission or storage of any defamatory material on the Internet;
- must not access, or permit any other party to access, the Platforms for any purpose or activity of an illegal, fraudulent or defamatory nature;
- agree not to reproduce, frame, transmit, broadcast, adapt, modify, reverse assemble or reverse decompile the Platforms, or any of its component parts;
- must comply strictly with these Terms and Conditions and all other directions issued from time to time by the Company relating to your access and use of the Platforms; and
- warrant that in accessing and using the Platforms, You will not breach any law or code, including without limitation, any copyrights, patents, trade secrets, confidential information or other intellectual property rights belonging to us or any other Person and any law or code (where applicable) relating to the collection, use, disclosure and protection of Personal Information.
Conditions on Use of Mobile Application
You will not allow any person or entity on Your behalf to
- make and distribute copies of the Mobile Application;
- attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the Mobile Application; or
- create derivative works of the Mobile Application.
The Company reserves the right to amend, terminate or withdraw the Mobile Application, or charge for the application or services provided to You, at any time and for any reason.
The terms of agreement with Your respective mobile network provider will continue to apply when using the Mobile Application. You may therefore be charged by Your mobile network provider for access to network connection services for the duration of the connection while accessing the Mobile Application. You are responsible for all such charges that may arise.
If You are not the owner or bill payer of the Device being used to access the Mobile Application, You will be deemed to have received the relevant consent from the owner or bill payer for using the Mobile Application.
Intellectual Property
Unless labelled to the contrary, the Company owns or uses under licence all intellectual property rights in all works and Material on this Platform. You must not remove or modify any notices of attribution or copyright. The Platforms contain names and logos which are registered and unregistered trademarks of Singapore Life Holdings group of companies . Any use of the trademarks including names and logos, without our prior approval, would constitute an infringement of these trademarks and is strictly prohibited. You can request permission by contacting us at [email protected]. Nothing contained on this Platform should be construed as conferring, by implication, estoppel or otherwise, a licence or right to use any of the trademarks.
Any trade mark, trade name, copyright, domain name, domain rights, database rights and other intellectual property rights of any nature in the Mobile Application including any underlying software code are owned by the Company or the Company’s licensors. The Company grants You a non-exclusive, royalty-free revocable licence to use the Mobile Application for the purposes approved by the Company in accordance with these Terms and Conditions. You shall not lease, sell, sub-license, transfer or otherwise deal with the Mobile Application, whether for commercial gain or otherwise.
Jurisdictions
We make no representation that Material on this Platform is appropriate or available for use in jurisdictions other than where specifically identified. Access to this Platform’s Material from jurisdictions where such access is illegal is prohibited. If You choose to access this Platform from other jurisdictions, You do so at your own risk. You are always responsible for Your compliance with applicable laws. We are not authorised to do business in every jurisdiction. By downloading any Material, You are agreeing that You are not in a country where such export is prohibited and that You are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of Your local jurisdiction regarding the import, export, or re-export of any Material. Information published on this Platform may contain references or cross-references to products, programs or services that are not available in Your state or country. Consult Your qualified financial professional for information regarding the products, programs and services which may be available to You.
Product Availability
The information contained on the Platforms do not constitute a distribution, an offer to sell or the solicitation of an offer to buy. Some products or services detailed on the Platforms are only available to Persons in certain named countries. Your local legislation may not permit us to offer products or services to You in your own country. We reserve the right to determine the eligibility of any user for any product or service. Please check with your local financial adviser as to whether such products or services are available in the country in which you are resident.
Not Advice or Offer or Solicitation
The Material on the Platforms are of a general nature and for information only and is not intended to be financial product advice or an offer or solicitation to sell any product or service. The Material and information does not take into account Your particular investment objectives, financial situation and needs, legal, tax or accounting advice. Accordingly, You should assess whether the Material is appropriate in the light of Your individual circumstances, and/or the individual circumstances of Your employee or any Person You are acting for, before acting or advising on the Material. If You are a policyholder, we recommend that You discuss any specific matters with Your financial adviser prior to making any decisions. The Material provided on this Platform is not written or intended as specific tax or legal advice, and may not be relied on for purposes of avoiding any federal tax penalties. Our employees and partners, are not authorised to give tax or legal advice. You are encouraged to seek advice about your specific circumstances from Your own financial, tax, or legal adviser before making any financial decision.
No Warranties
The Platforms are provided on an "as is" and "as available" basis. To the extent permitted under applicable law, all warranties of any kind, whether express or implied including but not limited to implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, title and non-infringement of third party rights are disclaimed. The Material may incorporate information obtained from third parties (including but not limited to unit prices), the accuracy of which may not have been established by the Company. The Company gives no warranty as to the accuracy, timeliness, adequacy or completeness of the Material, and accepts no responsibility for any errors or omissions in the Material however arising (including but not limited to errors or omissions arising as a result of the negligence of the Company, its directors, employees, Financial Adviser Representatives or representatives ).
If You are dissatisfied with any portion of the Platform, or with any of these Terms and Conditions, please discontinue using the Platform.
Confidential information
You acknowledge that:
- in accessing the Platforms or the Material, you may acquire Confidential Information from the Company;
- the Confidential Information comprises information that is valuable and may cause serious damage and loss (including to third parties) if it is improperly disclosed or used.
You must hold all Confidential Information in confidence and may not make any use of it except for the purposes of, or as authorised under, these Terms and Conditions (or as otherwise approved by the Company), and may not disclose or permit or cause the Confidential Information to be disclosed to any Person except a Person authorised by the Company to receive it or where the disclosure is authorised under these Terms and Conditions. You are liable for any misuse of the Confidential Information by You.
Restrictions on Use of Materials
This Platform is owned and operated by Singapore Life Ltd. and / or Navigator Investment Services Ltd. Except as otherwise expressly permitted by the Company, no Materials from this Platform or any Secured Site owned, operated, licensed or controlled by Us may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download Materials displayed on this Platform for your use only, provided that you also retain all copyright and other proprietary notices contained on the Materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Platform for public or commercial purposes, including the text, images, audio, and video without our prior written permission. We neither warrant nor represent that Your use of Materials displayed on this Platform will not infringe rights of third parties.
Sending of Messages
Certain portions of the Secured Site offer You the ability to send and receive electronic mail messages ("email"). Email functionality, if any, is provided to you to facilitate communications between you and the Company. You should regularly access Your mailbox to read Your emails and ensure that old mails are archived and that Your mailbox size is not exceeded.
The Company shall have no liability for any loss or damage that results from:
a. interception and / or unauthorised use by third parties of any information you send by email or;
b. unaccepted email requests, orders or instructions or;
c. the Company not having received email requests, orders or instructions even though it has been sent or;
d. you not receiving any of your emails for whatever reason whatsoever or;
e. the deletion or removal of any of your emails by the Company as part of its housekeeping process or;
f. the termination and deletion of your email accounts by the Company for any reason whatsoever.
You must ensure that all Messages sent by you to the Company are timely, complete, and accurate. The Company has absolute discretion in deciding which requests, orders, or instructions can be made via email and the Company will inform a Customer if it rejects any requests, order or instructions sent by a Customer by email. If there is evidence that a Message has been corrupted by the Company or if any Message is identified or capable of being identified as being incorrect, you must re-transmit that Message as soon as practicable after becoming aware that the Message has been corrupted or is, or is capable of being, incorrect, together with a clear indication that it is a corrected Message. All Messages are effective only when they have been completely received by the Company and the responsibility is yours to ensure that the Message is received by the Company.
Security and Virus
You should be aware that, in general, information sent through the Internet is not secured. Email services that may be provided through the Platforms generally are not encrypted and do not provide a secure and private means of communication with us. Certain services offered on the Platforms do provide a secure means to communicate with us, and You will be advised when You are using such a service. While We may provide those technologies and use other reasonable precautions to protect Confidential Information and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. To protect Your own privacy, Confidential Information should only be communicated via email when You are advised that You are using a secure mechanism. We cannot guarantee or warrant that any part of the Platforms, including files available for download, are free of viruses or other harmful code. It is Your responsibility to take appropriate precautions, such as use of an anti-virus software package, to protect Your computer hardware and software.
Liability
The Company shall not be liable for any direct, indirect, incidental, special or consequential, punitive damages or economic loss, suffered as a result of:
a. the use of, misuse of or inability to use the Platforms (or any other linked website) by You or anyone else;
b. any malfunction, breakdown or error in the Platforms, howsoever caused;
c. the Material on the Platforms or any information, data or material from any other linked website;
d. any cessation, suspension or termination of the Platforms howsoever caused including any negligence in respect thereof, even if the Company, its directors, employees or authorised representatives have been advised of the possibility of such damages, losses and/or expenses. In no event shall the Company's liability to You for all damages, losses (whether in contract or tort including but not limited to negligence howsoever caused or arising) exceed the amount paid by you, if any, for accessing the Platforms.
You must indemnify the Company, its directors, employees and Financial Adviser Representatives and hold them indemnified, against:
a. all actions, claims, suits, proceedings, causes of action and demands that are made by any Person in connection with Your use (or misuse) of the Platform or the Material; and
b. all losses, costs, expenses and damages incurred by the Company in connection with a breach by You of any provision of these Terms and Conditions.
Acts by any Person on Your behalf
You are liable to the Company for any acts, failures or omissions (including negligence and any changes in the data comprising any Message), by any Person used by You or acting on Your behalf to transmit, log or process Messages as if they were Your own acts, failures or omissions. For the purposes of these Terms and Conditions, any Person appointed or engaged by You or used by You in this manner will be deemed to be Your agent acting on Your behalf.
Intermediary, Financial Advisers and Financial Adviser Representative
The Intermediary, Financial Advisers and Financial Adviser Representative referred to or mentioned in the Platforms are not, nor can they be construed as, representatives, Financial Adviser Representatives or employees of the Company. The Company does not in any way endorse, recommend or guarantee the competence, experience, probity, suitability, performance, value, quality or level of service of any Intermediary, Financial Adviser or Financial Adviser Representative and we recommend that You conduct your own enquiries to satisfy yourself as to the competence of and accuracy of any information in respect of the Intermediary, Financial Advisers or Financial Adviser Representative. All dealings with any Intermediary, Financial Adviser or Financial Adviser Representative by You are at Your own risk and You shall have no recourse against the Company for whatever reason.
The Company reserves the right to remove from the Platforms information relating to a particular Intermediary, Financial Adviser or Financial Adviser Representative at any time, with or without cause. If this occurs, You will not be able to access information provided by that Intermediary, Financial Adviser or Financial Adviser Representative.
Hyperlinking
The Platforms may provide links to other websites or permit third parties to link to the Platforms. Links to or from a third party site, whether provided by the Company or not, do not imply an endorsement, approval, or verification of any content available on such third party sites by the Company nor the people who run or contribute to such sites. The Company is not responsible or liable for the accuracy or completeness of the content on any such third party sites. You access these third party websites at Your own risk.
Termination
Your access to the Platforms may be terminated by the Company in its sole discretion at any time without notice. The limitations of liability and disclaimers made by the Company in these Terms and Conditions will survive any termination of access to the Platforms.
Rights of Third Parties
The Contracts (Rights of Third Parties) Act 2001 shall not apply to these Terms and Conditions.
Third Party Platforms
Our Platforms may contain links to third party websites for your convenience and information, and social media features such as the Facebook “Like” button. However, please note that these websites and features operate independently from us, and may have their own privacy notices or policies. If You choose to access these websites and/or use these features, You should review their privacy notices or policies to understand their privacy practices. We will not be responsible for Your access or use of these websites and/or features.
What Personal Information is Collected
The Personal Information collected by the Company about you will depend on your use of the different functions available on the Platforms.
- If you visit the Platforms for any reason, including to read, browse, download information, or send Messages, our systems will record your server address, the date and time of your visit and Personal Information provided by you via the Platforms to the Company.
- If you are accessing the Secured Site to request reports, our systems are able to match your password to enable you to access information on your investments recorded on our system.
Use of Cookies
The Company reserves the right to use "cookies" so that we may track Your preferences and usage patterns to allow for improvements to the Platforms and also for planning, product development, marketing and research purposes including improvements and enhancements in our service to You. We may also collect IP addresses to help us diagnose problems. Refer to our Cookie Policy for more information.
Disclosure of Personal Information
The Company may, in its absolute discretion, reveal or release Your Personal Information to a third party where this is required or necessary.
If You are an investor or policyholder, You authorise the Company to provide relevant Personal Information to Your Financial Adviser Representative.
Security of Personal Information
The Company has implemented suitable security processes and technologies to protect collected Personal Information and to protect it from incorrect use and unauthorised access.
Data Protection Notice
Personal Information provided by You via the Platform may be used for data analytics, business reporting , to improve our products and services as well as to improve the User experience and journey. It may also be used to respond to Your queries and requests and for any purposes You have agreed to during Your user journey.
You may also refer to our Data Protection Notice for more information on the collection, use, disclosure and protection of Your Personal Data as well as information on how to access and change Your Personal Data and/or Marketing consents.
How to access and change Your Personal Information
You can change:
- Your User Password
- Your User Name, and other Personal Information, such as address and contact details on the Secured Site.
Marketing
If You have provided your consent, the Company may use Your information to keep You informed by post, telephone, email, text messaging or other electronic means, about insurance and financial products and services which may be of interest to You. Your information may also be used for these purposes after Your policy has lapsed.
However, You can contact us at any time to withdraw Your consent for Your information to be used for the above purposes.
Protecting Your PINs, Security Tokens, Personal Details and other Confidential Data
You are responsible for Your own protection of Your User PINs, security tokens, personal details and other confidential data at all times to prevent User data loss.
You are advised to adopt the following guidelines to help You construct robust PINs and adopt better security procedures:
- PIN shall be at least 6 digits or 6 alphanumeric characters.
- PIN shall not be based on guessable information such as user-id, personal telephone number, birthday or other personal information.
- PIN shall be kept confidential at all times and not divulged to anyone.
- PIN shall be memorised and not be recorded anywhere.
- PIN shall be changed regularly or when there is any suspicion that it has been compromised or impaired.
- The same PIN shall not be used for different websites, applications or services, particularly when they relate to different entities.
- User shall not select the browser option for storing or retaining User Name and User Password.
- User shall check the authenticity of the Platform by comparing the URL and the Company name in its digital certificate or by observing the indicators provided by an extended validation certificate.
- User shall check that the URL changes from ‘http://’ to ‘https://’ and a security icon that looks like a lock or key appears when authentication and encryption is expected.
- User shall not allow anyone to use his / her User Password to login to Company Websites on-behalf.
- User shall not reveal the OTP-One Time Password generated by his / her mobile Device or security token to anyone.
- User shall not divulge the serial number of his security token to anyone.
- User shall check his / her account information, balance and transactions frequently and report any discrepancy.
- User shall inform the Company immediately if his/her mobile phone or mobile phone number is changed.
