Terms of Use

Conditions of Access
1. General
1.1.

By accessing this Website or any page of the same, including its Electronic Banking Services (the “Website”) and continuing to do the same, you agree to be unconditionally bound by the following terms and conditions (“Terms and Conditions”). If you do not accept any of these Terms and Conditions, please discontinue your access immediately.

1.2.

In these Terms and Conditions, “SFL” means Singapura Finance Ltd and its affiliated companies and “you” means the user of this Website.

1.3.

All products and services of SFL are subject to the Terms and Conditions of the applicable agreements governing their use. These terms are meant to be read together with the applicable Terms and Conditions governing any transaction(s), product(s) and/or service(s) provided in this Website. In the event of conflict between these Terms and Conditions and the terms and conditions governing the relevant transaction(s), product(s) and/or service(s) provided herein, the latter will prevail.

1.4.

The information, material, functions and content provided in the pages of the website may be changed from time to time with or without notice at SFL’s absolute discretion. Any continued access of this website means that you accept and agree to be bound by these changes and these Terms and Conditions unconditionally.

1.5.

Use of the products or services described at the Website or the distribution of the Website's materials may be restricted or prohibited by law in certain jurisdictions. It is your responsibility to find out what those restrictions or prohibitions are and observe them. If in doubt, you should check with your local regulator or authority before requesting further information. The Website does not constitute an offer on our part to provide products or services described therein to persons or entities resident in countries where local law or regulation does not permit their use.

2. Scope of Products and Services
2.1.

The information and materials contained in the Website, including any services, products, information, data, text, graphics, audio, video, links or other items - are provided "as is", and "as available". We do not warrant the accuracy, adequacy or completeness of such information and materials and expressly disclaims liability for errors or omissions in such information and materials.

2.2.

Products and services (including those of any third party providers) are available only at our and/or third party provider (as the case may be), subject to the products and services individual terms and conditions and any relevant disclaimers on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations in which the SFL has a place of business. Fees, commissions or other charges may apply to certain products and services. Please contact the entity, office or branch providing the products and services for details.

3. No Offer or Solicitation
3.1.

Nothing in the Website shall be considered or construed as an offer, invitation or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice or recommendation in respect of, shares, stocks, bonds, notes, interests, collective investment schemes, or other securities, investments, loans, advances, credits, deposits or any other instrument or product whether of SFL or any other issuer in any jurisdiction.

4. Materials for General Circulation Only
4.1.

The information, opinions and statements contained in the materials on the Website are intended for general circulation only and should not be used as a basis for making any business or financial decisions. They do not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. The materials may cover a wide range of topics and are not intended to be a comprehensive study or to provide any recommendation or advice on personal investing or financial planning.

4.2.

Accordingly, they should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase the investment product. You are also recommended to obtain such other professional advice where appropriate.

4.3.

The materials speak as of their date and do not reflect any changes in law, events or practice since that date. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. All information, opinions and statements expressed are subject to change without notice.

4.4.

Some of the information in the materials may contain projections or other forward looking statements regarding future events or future financial performance of countries, assets, markets or companies. These statements are only predictions and actual events or results may differ materially. Similarly, any past performance figures are not necessarily indicative of future or likely performance.

4.5.

Any geographic, political, economic, statistical, financial and exchange rate data may in certain cases be presented in approximate or summary or simplified form and may change over time. Reliance has been placed by our editors on certain external statistical data which, though believed to be correct, may not in fact be accurate. Any reference to any specific company, financial product or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same. While all reasonable care has been taken in preparing the materials, no warranty whatsoever is given and no responsibility or liability is accepted for any loss arising directly or indirectly in connection with or as a result of any person acting on any information, opinion or statement expressed in the materials contained on the Website. In particular, no warranty is given that economic reporting information material or data is accurate reliable or up to date.

5. No illegal or harmful uses
5.1.

You may not use the Website and/other the Electronic Services to transmit, distribute, link, market, publish, display or sell any Content which are harmful in nature or in violation of any laws or regulations (foreign or domestic) or to commit, engage in, perpetuate or abet any breach of security, fraud, criminal act, offence.

5.2.

The kinds of illegal or harmful conduct which are prohibited include but are not limited to the following:

5.2.1.

impersonating or falsely stating or otherwise misrepresenting your affiliation with any person or entity;

5.2.2.

forging headers or otherwise manipulating any identifying information in order to disguise and/or with the effect of disguising the origin of any Content transmitted through the Website;

5.2.3.

transmitting Content that are unlawful, libellous, defamatory, indecent, harassing, threatening, harmful, invasive of privacy or publicity rights, abusive, inflammatory or otherwise objectionable;

5.2.4.

infringement of intellectual property rights or other proprietary rights including, but not limited to, material protected by copyright, trademark, patent, trade secret or other intellectual property right used without proper authorization;

5.2.5.

offering or disseminating fraudulent goods, services, schemes, or promotions;

5.2.6.

fraudulent submission or use of personal or financial information or engaging in any practice that constitutes an unfair or deceptive trade practice;

5.2.7.

transmitting any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;

5.2.8.

transmitting any Content that you do not have a right to transmit under any law or under any contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); or

5.2.9.

"stalking" or otherwise harassing another person; or

5.2.10.

transmitting Content with recommendations to buy or refrain from buying a particular security or which otherwise have the purpose of affecting the price or value of any security.

5.3.

We reserve the right to restrict or prohibit any and all activities, conduct or Content (or delete, move or edit the same) that we determine in our sole discretion may be harmful to our systems, network, reputation, good will, our other customers, or any third party.

6. Security
6.1.

You are responsible for keeping your passwords and any personal data and/or account information confidential. Failure to do so exposes you to the risk of fraud and loss. SFL will not be responsible for losses suffered by you as a result of:

6.1.1.

Input errors or misuse of its Internet banking services;

6.1.2.

Negligent handling or sharing of Password;

6.1.3.

Leaving a computer unattended during an online session;

6.1.4.

Failure to immediately report known incidents of unauthorised account access.

7. Disclaimer
7.1. The information contained in this website has been prepared solely, and is offered as a means of providing information to help interested parties gain a better understanding of the financial and management information of SFL.

7.2.

While SFL has taken reasonable steps to ensure the accuracy, correctness and completeness of all information contained in this website, such information is provided on an "as is" and "as available" basis. SFL 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 including but not limited to Trojan horses, software bombs, spyware or similar items or processes), is given in conjunction with such information and materials, or this website in general. No warranty is given that access to the same on the Website, or the Website as a whole will be provided uninterrupted or free from errors or that any identified defect will be corrected.

7.3.

Under no circumstances shall: (i) SFL 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 SFL had been advised as to the possibility; or (ii) SFL 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 SFL had been advised as to the possibility of such damages.

7.4.

SFL also uses cookies on the Website. A Cookie is a small file that our web servers automatically store on your device (“Cookie”). Such files allow our website to automatically recognize and remember you. When you visit our website subsequently, we may collect information from you automatically through such Cookies. This is governed by our Privacy Policy. There are various Cookies that SFL uses. While you may delete or instruct your web browser to delete or refuse Cookies, please note that if you delete or refuse essential or performance cookies, you might not be able to use all of the features that we offer or store your preferences, and some of our pages might not be properly displayed. It is possible that not all functions of our websites would be available to you and that individual functions might only be available to you to a limited extent. SFL will not be liable for any loss that arises from this, in whatever manner, of whatever nature or kind.

7.5.

We shall not be liable for any indirect, special, economic or consequential damage or loss under these Terms and Conditions, whether or not we have been informed of such possibilities. The exclusions herein shall take effect to the fullest extent permitted by law.

8. Intellectual Property
8.1.

Except as otherwise expressly stated herein, the copyright and all other intellectual property, including trade marks and service marks displayed, in the contents of this website (including, but not limited to, all design, text, sound recordings, images or links, and all trademarks, services marks and logos) are the property of SFL and/or the respective third party proprietors identified in this website. Except with the prior written consent of SFL and/or the relevant third party proprietor:

8.1.1.

the contents of this website 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;

8.1.2.

you may not insert a hyperlink to this website or any part thereof on any other website or "mirror" or frame this website, any part thereof, or any information or materials contained in this website on any other server, website or webpage;

8.1.3.

no licence or right is granted and your access to this website and/or use of the online services should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademarks, service marks or logos appearing on the website;

8.1.4.

no right or licence is given to any party accesing the Website to download, reproduce or use any of such trade marks or services marks; and

8.1.5.

no trademark, service mark or logo may be used as a hyperlink or to mark any hyperlink to any other site.

8.2.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through the Website.

9. Hyperlinks
9.1.

For your convenience, SFL 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 SFL and SFL cannot accept responsibility for the contents of or the consequences of any losses arising directly or indirectly (including consequential loss) through you 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 SFL. 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.

10. Transmission of Content
10.1.

All information, data, text, messages or other materials ("Information") transmitted by you via this Website are your sole responsibility. You are solely responsible for the form, content and accuracy of all Information that you upload, post, email or otherwise transmit (including by Short Message Service (SMS) text messages) (collectively, “transmit” and each act a “transmission”) via this Website.

10.2.

In relation to any Information which you transmit to us using this Website, you hereby grant to SFL a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such Information for any purpose SFL deems necessary, desirable or expedient including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

10.3.

We have no obligation of confidentiality to you regarding any such Information transmitted to us using this Website unless agreed otherwise in a separate direct contract between you and us or required by law.

11. Risks
11.1.

You acknowledge that your use of this Website may, at any time, be adversely affected by problems with your computer (or such other access or electronic device including but not limited to cellular telephones, smart phones and PDAs), the internet and the cellular phone network, including, without limitation, interference to the network coverage, undeliverable messages or delay in transmission due to any reason such as excessive network traffic, service interruption or incorrect data transmission.

11.2.

We may contract with one or more third parties to provide maintain and host the products or services on this Website. Therefore, any information you submit or any Information which you transmit may be placed and stored on a computer server maintained by a third party. You acknowledge that such information or content could pass through and may be stored in servers outside our control. You agree that we have no liability or responsibility for any such pass through or storage of the same. You must comply with all the terms and conditions of such a service and pay all the charges connected with it.

11.3.

You consent to the collection, storage, communication and processing of any of your information by any means necessary for us to maintain appropriate transaction and account records and to the release and transmission to and the retention by the relevant third party service providers and hosts of your information to enable your use of this Website.

11.4.

You acknowledge and agree that: (i) all transmissions (whether by email or otherwise) to and from this Website cannot be guaranteed to be completely secure or error-free and the same could arrive late, be intercepted, corrupted, lost, destroyed, or incomplete, or contain viruses and may not be received by the intended recipient; (ii) you should not post transmit any private or confidential Information (whether yours or the recipient’s) unless you want it to be available publicly; (iii) that the Content transmitted by you may be subsequently forwarded to a third party by the recipient and that, as we cannot control or prevent the transmission of your private or confidential Information by a third party, we cannot be responsible or held liable for the same; and (iv) we do not warrant the privacy and/or security of any transmissions (whether by email or otherwise) to and from this Website.

12. Indemnity
12.1.

You hereby agree to indemnify and hold SFL indemnified in full against all damages, losses, expenses and costs (including legal costs) suffered or incurred by the SFL in connection with or arising from (1) your access of this Website and/or use of the online services, or (2) any other party's access of this Website and/or use of the online services using your user ID and/or login password, or (3) your breach of any of these Terms and Conditions, or (4) any other party's breach of any of these Terms and Conditions where such party was able to access this Website and/or use the online services by using your user ID and/or login password (where applicable).

13. No Waiver
13.1.

No failure or delay by us in exercising or enforcing any right or option under these Conditions shall operate as a waiver thereof or limit, prejudice or impair our right to take any action or to exercise any right as against you or render us responsible for any loss or damage arising therefrom.

13.2.

If any one or more of the provisions in these Terms and Conditions are deemed invalid, unlawful or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired.

14. Modification
14.1.

The information and materials, including scope and features of the products and services stated herein and on the Website, are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice. We shall not be responsible or liable to you for any expense, loss, damage, liability or other consequence suffered by you or incurred by you in connection with any of the foregoing action.

15. Termination
15.1

SFL may terminate your access to this Website at any time without notice and without giving any reason.

16. Third Party Rights
16.1.

A person who is not a party to any agreement governed by these Terms and Conditions has no right under The Contracts (Rights of Third Parties) Act (Chapter 53B) to enforce any terms herein.

17. Governing Law and Jurisdiction
17.1.

Nothing herein shall be construed as a representation by SFL that the information and materials contained in or accessed through this Website is appropriate or available for use in geographic areas or jurisdictions other than Singapore. Unless specified otherwise, any such products, services, materials and information are strictly for our customers' access and/or use in Singapore and shall not be construed as the provision of banking services and facilities outside of Singapore. In the event that the laws of the jurisdiction you are in do not permit or impose restrictions on the access to the contents of the Website, you shall forthwith discontinue access or comply with such restrictions (as the case may be).

17.2.

These Terms and Conditions are governed by Singapore law but in enforcing these Conditions we are at liberty to intiaite and take actions or proceedings or otherwise against you in Singapore or elsewhere as we may deem fit, and you agree that where any actions or proceedings are intiaited and taken in Singapore, you shall submit to the non-exclusive jurisdiction of the Singapore courts, in all matters connected with your obligations and liabilities under or arising out of these Terms and Conditions.