IMPORTANT - PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE AND/OR USING THE ONLINE SERVICES, YOU AGREE TO BE BOUND BY THE FOLLOWING TERMS OF USE, AS MAY BE MODIFIED BY DEVISE PTE. LTD. (“DEVISE” OR “US”) AT ANY TIME WITHOUT NOTICE TO YOU. IF YOU DO NOT ACCEPT ANY OF THESE TERMS OF USE, YOU MUST IMMEDIATELY DISCONTINUE YOUR ACCESS OF THIS WEBSITE AND/OR USE OF THE ONLINE SERVICES.

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General

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Access to and use of this website is subject to these Terms of Use and our Privacy Policy. By accessing and using this Website you agree to be bound by these Terms of Use and our Privacy Policy.

We reserve the right to amend these Terms of Use from time to time without notice by amending this page. The amended Terms of Use will be effective from the date they are posted on this Website. As these Terms of Use may be amended from time to time, you should check them whenever you visit this Website. Your continued use of this Website will constitute your acceptance of the amended Terms of Use.

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Our Service

We provide an independent online service which enables you to research and compare financial and other products or services provided by third parties whilst using this Website. You agree that nothing on this Website is an endorsement by us in respect to a product or service.

The material herein has been prepared for informational purposes only without regard to any particular user's investment objectives, financial situation, or means and should not be relied upon solely or in isolation. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Website, we suggest that you seek independent professional advice before you obtain any product or service via this Website.

Nothing on this Website is, or shall be considered or construed as, an offer, solicitation or recommendation by us or any third party to sell, buy, give, take, issue, allot or transfer, as the giving of any advice in respect of any product or service in any jurisdiction or representation that any product or service described herein is suitable for you. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. Please note that acceptance of your payment by Devise and/or its officers and employees does not constitute acceptance of your offer. You will receive confirmation when your offer has been accepted.

Any discussion of the risks contained herein with respect to any product or service should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should neither construe any of the material contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice nor make this service the primary basis for any investment decisions made by or on behalf of you, your accountants, or your managed or fiduciary accounts, and you may want to consult your business advisor, attorney, and tax and accounting advisors concerning any contemplated transactions.

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Intellectual Property

Except as otherwise expressly stated herein, the copyright and all other intellectual property in the contents of this website (including, but not limited to, all design, text, sound recordings, images, links, logos, business names, trading names, service marks, trade marks, or internet domain names) are the property of Devise and/or its holding company and/or its subsidiaries and/or the subsidiaries of its holding company (together the "Devise Pte Ltd"). As such, they may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of the Devise Pte Ltd.

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Disclaimer

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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 Devise Pte Ltd in relation to the making of any specific investment, business, financial or commercial decision. Such information and materials are provided for general information only, do not represent our views, opinion or advice 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

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While the Devise Pte Ltd uses reasonable endevaours to ensure that information on this Website is accurate and up to date, Devise Pte Ltd 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.

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Should you choose to obtain any product or service provided to you by a third party on their own terms and conditions, Devise Pte Ltd will not be responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions. Further, Devise Pte Ltd will not be responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any third party website or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions of use and/or privacy policy.

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Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party's views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance.

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Under no circumstances shall the Devise Pte Ltd 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 Devise Pte Ltd had been advised as to the possibility.

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In no event shall the Devise Pte Ltd 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 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 Devise Pte Ltd had been advised as to the possibility of such damages.

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Hyperlinks

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Devise Pte Ltd may include hyperlinks to websites on the Internet that are owned or operated by third parties. Such links are provided solely as a convenience to you and the Devise Pte Ltd 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, authorization, sponsorship, affiliation or verification of such linked websites or the contents therein by Devise Pte Ltd. Devise Pte Ltd has not tested any information, software, or products found on any of the linked websites and therefore does not make any representations with respect thereto, including any representations regarding the content or sponsors of the linked website, or the suitability or appropriateness of the products or transactions described therein. 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.

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Indemnity

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You hereby agree to indemnify and save Devise Pte Ltd harmless against all damages, losses, expenses and costs (including legal costs) suffered or incurred by Devise Pte Ltd in connection with or arising from (1) your access of this Website and/or use of the online services, or (2) your access and/or use of the products and services provided by third parties, or (3) your breach of any of these Terms of Use.

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Miscellaneous

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The information and materials herein are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice. Devise 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.

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Governing Law and Jurisdiction

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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. In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.

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