Terms of use

Approval

Please read these terms of use carefully. By accessing and using this website and any pages hereof, including but not limited to the information, images, links, text, software, code, scripts, web pages, music, sound, photographs, video, graphics, graphical user interface, forms, diagrams or other material displayed herein and the functionalities or services provided herein (the “Website”), you confirm that you have read, understood, and fully accepted the terms set out below. If you do not approve of one or more provisions in these terms of use, we kindly ask you to leave the Website.

Content and Target Group

The Website provides information on the activities of Schroder & Co (Asia) Limited (“Schroders”). In addition, you will find on separate parts of the Website information on collective investment schemes and possibly other Schroders Group products subject to authorization. Please take note of the legal guidelines and restrictions for these products. You agree to comply with all the guidelines and notices pertaining to the use of the Website issued by Schroders from time to time. Schroders may at its sole and absolute discretion deny you access to the Website for any reason and shall have no obligation to notify you, or provide you with such reason.

The contents of the Website are not intended for dissemination in countries in which the dissemination is prohibited or limited and/or Schroders does not have the necessary license. Access to the Website is prohibited for natural persons and legal entities in such countries. This applies in particular to US and UK citizens as well as persons residing in the US or the UK.

We make no representation that the products, services, materials and information contained herein are appropriate or available for use in other locations/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).

Not an Offer, No Advice

The Website is general in nature and the information and documents contained on the Website concerning Schroders’ services, products and activities are for information purposes only. They shall not constitute, or be deemed to constitute advertising, a solicitation, recommendation or offer. They do not constitute, and shall not be deemed to constitute a solicitation, offer or recommendation to buy or sell investment instruments, to carry out transactions or to enter into contracts.

The information and documents contained on the Website do not constitute, and shall not be deemed to constitute financial, tax or legal advice. Please contact a specialist for such type of advice.

The information 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 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.

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 The Website does not purport to disclose all of the risks associated with any product or service specified herein. Any product or service will be provided in accordance with Schroders’ specific terms relating to such product or service, which will be separately provided to you if you are interested in finding out more information about those products and services.

No Guarantee

Schroders provides no guarantee and no (express, implied, statutory or tacit) warranty with respect to the timeliness, updating, adequacy, accuracy, appropriateness, fitness for purpose or completeness of information on the Website or with respect to the availability, merchantability, satisfactory quality, non-infringement of third party rights or suitability of services and products described on the Website for a specific purpose. The Website is provided on an “as is” and “as available” basis.

The information available on the Website on markets, prices, research results, and other financial information is based on sources that we consider reliable and have carefully selected. Nevertheless, such information is made available without guarantee or warranty concerning quality, originality, copyrights, or suitability.

Expressions of opinion, estimates, or forecasts on the Website originate from the author concerned and are based on the interpretation of information that was available at a particular point in time. It does not necessarily correspond to Schroders' opinion. The Website may include information sourced from third parties and links to third party websites. Schroders is not responsible for the accuracy or completeness of, and does provide any recommendation on or endorse such information or third party websites. The inclusion of such third party data does not indicate (and shall not be deemed as constituting) any joint venture, partnership or other association between Schroders and such third parties.

Information on the Website and the Website itself can be modified or deleted at any time without notice. Information provided with a date is published exclusively by reference to such date. There is no obligation on Schroders’ part to update this information or any part of the Website.

Schroders does not provide any guarantee that the functions of the Website are available free of errors or without interruption or that any defect (identified or otherwise) will be corrected. Schroders also does not provide any guarantee that the components used for access are free of harmful elements (in particular viruses or other malicious code).

Information transferred over the Internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the public nature of the Internet and Schroders does not warrant the security of any information transferred or accessed by you or transferred to you through the Website.

Schroders does not guarantee that your software, equipment and telecommunications services are sufficient to obtain access to the Website and you are responsible for obtaining and using all necessary software, equipment and telecommunication services for accessing the Website at your risk and expense.

No Liability

SCHRODERS, INCLUDING ITS BOARD MEMBERS, REPRESENTATIVES, EMPLOYEES, CONTRACTORS, AND PARTNERS, EXPRESSLY EXCLUDE, TO THE MAXIMUM EXTENT PERMITTED BY LAW AND REGULATION ANY LIABILITY FOR LOSSES OR DAMAGE DIRECTLY OR INDIRECTLY CONNECTED WITH INFORMATION OR DATA ON THE WEBSITE INCLUDING THE INFORMATION OR DATA BEING OUT OF DATE, INACCURATE, INCOMPLETE OR UNSUITABLE, OR CONNECTED WITH THE FACT THAT ACCESS TO THE WEBSITE IS INTERRUPTED OR OTHERWISE UNAVAILABLE. IN ADDITION, LIABILITY IS EXCLUDED, TO THE MAXIMUM EXTENT PERMITTED BY LAW AND REGULATION FOR THE FOLLOWING LOSSES, EXPENSES AND DAMAGES: LOST EARNINGS OR PROFITS, LOSS OF OPPORTUNITY, LOSSES AS A RESULT OF BUSINESS INTERRUPTION, WASTED EXPENDITURE OF TIME, DATA LOSS OR DAMAGE, INDIRECT LOSSES OR SUBSEQUENT LOSSES, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, ECONOMIC LOSS, CLAIMS FOR LOSS OF USE EVEN IF THE POSSIBILITY OF THE LOSS WAS POINTED OUT OR IF IT WAS FORESEEABLE, WHICH ARISES DIRECTLY OR INDIRECTLY IN CONNECTION WITH ANY ACCESS, USE OR INABILITY TO USE THE WEBSITE OR ANY RELIANCE ON ANY INFORMATION OR CONTENT ON THE WEBSITE.

Schroders shall not be liable for any non-performance, error, interruption or delay in the performance of its obligations or in the Website’s operation, or for any inaccuracy, unreliability or unsuitability of the Website’s contents if due, in whole or in part, directly or indirectly to an event or failure which is beyond its reasonable control (including acts of God, natural disasters, epidemics, acts of war or terrorism, acts of any government or authority, power failures, acts or defaults of any telecommunications network operator or carriers and the acts or a party for whom Schroders is not responsible for). Nor shall Schroders have any liability for any failure to invoke any business continuity, disaster recovery or similar policy in such circumstances.

Intellectual Property Law

The Website and all contents and elements thereof are protected under intellectual property law and are owned by Schroders or third parties. No rights to software, trademarks, copyrights or other intellectual property and other proprietary rights are assigned or shared by virtue of these terms of use or the downloading or printing the Website or any element of the Website. Copyright notices, trademarks and logos must not be altered or eliminated or in any way concealed. The complete or partial reproduction of the Website or any element of the Website in electronic, printed or other form is only admissible if the source is fully referenced. Dissemination, displaying, mirroring, framing, transmission, broadcast or publication of reproduced elements of the Website is admissible only after prior written consent by Schroders has been obtained and with the source fully referenced.

Possible Interests

Schroders or the board of directors, officers, affiliates and/or employees of Schroders may have their own interest in securities, products and/or companies that are mentioned on the Website by acting in various roles including, without limitation, as distributor, holder of principal positions, adviser or lender. Schroders or the board of directors, officers, affiliates and/or employees of Schroders may receive fees, brokerage or commissions for acting in those capacities. It is in particular possible that board members, officers, affiliates and/or employees of Schroders themselves hold shares in such companies or are on the boards of directors of such companies. In addition, Schroders or the board of directors, officers, affiliates and/or employees of Schroders may buy or sell products as principal or agent and may effect transactions which are not consistent with the information set out on the Website.

Investment Risks

Investment risks are generally pointed out, insofar as the Website contains information on investment products. Investors must be aware that investments carry risks. Past performance is not a guide to future performance. The value of the investment and its yields may vary, can go down as well as up and is not guaranteed. Investors might not get back the amount of their original investment. Exchange rate changes may cause the value of overseas investments to rise or fall. Investments in emerging markets, hedge funds, derivatives, commodity funds, property funds and private equity funds involve an above average degree of risk. In respect of hedge funds, property funds and other unregulated collective investment schemes it may be difficult to redeem shares or units within a reasonable time frame or to obtain reliable information about the value of the shares or the units or the extent of the risks to which they are exposed. With regard to investments designed to be held for the medium to long term or with limited liquidity or with a mixed maturity date or with significant up-front costs, you should be aware that early redemption may result in lower than expected investment returns, including the potential for losses.

Links to External Websites

The Website may contain links to external websites. By activating such a link you leave the Website. We have no control over external websites and are therefore not responsible for their operation and contents or the linkage thereto. We exclude all liability for losses that arise from accessing external websites or downloading information or documents from external websites. Please read all legal notices on an external website before you download or print out information in order to ensure that your actions are permissible.

Modification of These Terms of Use

Please note that these terms of use may be modified at any time without prior notice. You should therefore verify each time you access the Website whether you agree with all the provisions of the terms of use which apply at the point in time that you access the Website.

Delegation

Schroders may delegate or sub-contract the performance of any of its functions in connection with the Website and reserves the right to use any agents on such terms as it deems appropriate in its sole and absolute discretion.

Applicable Law/Place of Jurisdiction

The use of the Website and these terms of use are subject to Singapore law. The exclusive place of jurisdiction is Singapore.

Third Party Rights

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


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