Conditions of Access

By accessing this 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. Any continued access of this website means that you accept and agree to be bound by these Terms and Conditions unconditionally.

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


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.

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), is given in conjunction with such information and materials, or this website in general.

In particular, the information on this website is of a general nature and for general information only 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. 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.

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.

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 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:

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

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 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.

Transmission of Content

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.

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.

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.


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.

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 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.

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.


You hereby agree to indemnify and save SFL harmless 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.


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

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

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.

Governing Law and Jurisdiction

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. These Terms and Conditions are governed by Singapore law and you agree to submit to the non-exclusive jurisdiction of the Singapore courts.