Updated 24 April 2015

IMPORTANT! PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING OR ACCESSING CARITAS LEGACY & ESTATE PLANNING PTE LTD WEBSITE (HEREIN REFERRED AS “THIS SITE”, “OUR SITE”). BY USING OR ACCESSING THIS SITE, YOU ARE INDICATING YOUR UNDERSTANDING, AGREEMENT TO AND ACCEPTANCE, OF THE DISCLAIMER NOTICE AND THE FULL TERMS AND CONDITIONS LISTED BELOW. FROM TIME TO TIME WE MAY CHANGE THESE TERMS AND CONDITIONS, AND WILL POST REVISIONS ON OUR SITE. WE RECOMMEND THAT
YOU READ THESE TERMS AND CONDITIONS REGULARLY. YOU MUST IMMEDIATELY DISCONTINUE YOUR ACCESS OF THIS SITE AND/OR USE OF THE ONLINE SERVICES IF YOU DO NOT ACCEPT ANY OF THESE TERMS AND CONDITIONS.

INTELLECTUAL PROPERTY RIGHTS

The copyright and all other intellectual property in the contents of this site (including, but not limited to, all text, sound recordings, designs, images or links) are the property of Caritas Legacy & Estate Planning Pte Ltd (herein referred as “Caritas”). This means that you shall not without the express written consent of Caritas distribute the graphics or text to others; “mirror” or include this information on your own server or documents; or modify or re-use the graphics or text on this system.

All logos, service marks, trademarks and any other marks whatsoever are used for the benefit of their respective owners identified on this site and are not intended to infringe the trademark of any such person.

REVISIONS

All information (including without limitation, prices, descriptions, specifications) appearing on this site may be withdrawn or revised, in whole or in part, at any time without notice and shall not in any event form or constitute part of an offer or terms and conditions of a contract. By using this site, you agree to be bound by any such revisions and you agree to periodically visit this page to determine the then current terms of use to which you are bound.

DISCLAIMERS

The contents on this site is of a general nature to be used for educational purposes only, and shall not be construed as offering legal, accounting, financial, investing or tax advice to you or solicitation to deal in the products and/or services referred to or contained on this site. While Caritas makes every attempt to provide accurate and timely information, there may be inadvertent technical, delays, omissions or factual inaccuracies and typographical errors.

The information provided on this site is provided “AS IS”, “AS AVAILABLE” and are not considered, verified or assessed by Caritas in relation to the making of any specific investment, financial, business or commercial decision. Caritas does not warrant the completeness or accuracy of the text, information, graphics, links or other items contained on this site, and Caritas expressly disclaims liability for errors or omissions in these materials. Caritas makes no commitment to update the information contained on this site.

Any opinion or estimate contained on this site is made on a general basis and neither Caritas nor any of its affiliates, partners, shareholders, officers, directors, employees or representatives have given any consideration to nor have they or any of them made any investigation of the investment objective, financial situation or particular need of any user or reader, any specific person or group of persons. Accordingly, Caritas expressly disclaims all liability for the use or interpretation by others of information contained on this site or for any loss arising whether directly or indirectly as a result of the visitor, user, any person or group of persons acting on any information, estimate or opinion contained on this site. Decisions based on information contained on this site is your sole responsibility, and in exchange for using this site, you agree to hold Caritas, its authors and affiliates harmless against all and any claims for damages arising from any decisions that you make based on such information.

If you are accessing this site from a jurisdiction outside of Singapore, you are responsible for compliance with the applicable laws and regulations of your jurisdiction. Please do not access this site if the publication or availability of this site is prohibited in your jurisdiction in any way.

INTERNET SOFTWARE OR COMPUTER VIRUSES

Due to technical difficulties inherent in the Internet, Internet software or transmission problems could produce inaccurate or incomplete copies of information contained on this site when displayed or downloaded onto your computer. Computer viruses or other destructive programs may also be inadvertently downloaded from the website or transmitted via our e-mail correspondence.

Caritas shall not be responsible or liable for any Internet software, computer viruses or other destructive, harmful or disruptive files or programs that may infect or otherwise impact your use of your computer equipment or other property on account of your access to, use of, or browsing on this site or your downloading of any of materials or other content from this site or via our e-mail correspondence. Caritas recommends that you install appropriate anti-virus or other protective software.

EXCLUSION OF LIABILITY

ALL MATERIALS AND SERVICES ON THIS SITE AND THIRD-PARTY SITES TO WHICH IT LINKS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. VISITORS TO THIS SITE ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS SITE. CARITAS, ITS AFFILIATES, PARTNERS, SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES, OR REPRESENTATIVES (“THE EXCLUDED PARTIES”) DISCLAIM ALL REPRESENTATIONS, ENDORSEMENTS AND WARRANTIES, EXPRESS OR IMPLIED, WITH REGARD TO INFORMATION ACCESSED FROM OR VIA THIS SITE, INCLUDING BUT NOT LIMITED TO ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUS OR OTHER HARMFUL COMPONENTS. THE EXCLUDED PARTIES WILL NOT ASSUME ANY LIABILITY OR RESPONSIBILITY FOR THE COMPLETENESS, ACCURACY, TIMELINESS OR RELIABILITY OF THE GRAPHICS, TEXT, CONTENT, SERVICES, PRODUCTS, LINKS, OR OTHER ITEMS CONTAINED WITHIN THIS SITE, OR THE RESULTS OBTAINED FROM ACCESSING AND USING THIS SITE AND/OR THE CONTENT CONTAINED HEREIN. IN NO EVENT SHALL THE EXCLUDED PARTIES BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANY OTHER PERSON FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF WHATSOEVER KIND RESULTING FROM WHATEVER CAUSE, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER IN AN ACTION UNDER TORT, CONTRACT, NEGLIGENCE OR STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN ANY WAY IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION ON, OR ACCESSED THROUGH, THIS SITE.

All recommendation or advice on this site has been made on a general basis without taking into account or considering the investment objective, financial situation or particular need of any user or reader, any specific person or group of persons. Any reliance on such advice or recommendation is entirely at your own risk. IN ALL CASES, YOU SHOULD ALWAYS SEEK THE ADVICE OF A QUALIFIED ATTORNEY IN YOUR JURISDICTION OR PROFESSIONAL ADVISERS REGARDING THE EVALUATION OF ANY PRODUCT OR OTHER FINANCIAL INSTRUMENT, REPORT, ADVICE, OPINION OR ANY OTHER CONTENT.

PRIVACY POLICY

Caritas is committed to respecting the privacy of the personal information of the individuals with whom we interact. We have developed a privacy policy to describe how we collect, use and disclose the personal information of those individuals who visit our website or engage our services. Please read our Privacy Policy, which also governs your use of this site.

INDEMNITY.

You agree to indemnify and hold Caritas and it’s affiliates, shareholders, directors, officers, representatives, employees, partners and the Information Providers harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of the content you upload, post, submit, your use of or connection to this site (including any use by you on behalf of your employer), your breach of any of these terms and conditions, or your violation of any rights of another.

HYPERLINKS TO THIRD PARTY WEBSITES

For your convenience, Caritas 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 the Caritas and Caritas 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 on this site shall not be considered or construed as an endorsement or verification of such linked websites or the contents therein by the Caritas. 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. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature. Caritas makes no representation or warranty as to any third party products.

No hyperlinks to this site or any of the internal pages within this site, or framing of any content in the site, shall be made by anyone unless with the prior consent of Caritas. Without prejudice to any of its other rights, Caritas may upon discovering such unauthorized linking or framing disable such links or frames.

COMMUNICATIONS AND USE OF INFORMATION RECEIVED FROM YOU

You may submit information (such as feedback, data, answers, questions, comments, suggestions or ideas) to Caritas at the e-mail addresses provided in this site or via our contact form. As the Internet is not a fully secure medium, any communication may be lost, intercepted or altered. Caritas is not liable for any damages related to communications via e-mail or otherwise. You agree to the following with respect to any information provided by you to us through this site or via e-mail that:

• The information is non-confidential;
• Caritas shall have unlimited rights to reproduce, use, distribute and disclose such information worldwide as Caritas deems appropriate, without restrictions, compensation, acknowledgement of its source or obligation to you;
• Caritas shall be free to use any ideas, concepts or techniques contained in the information for any purpose, including but not limited to developing and marketing products or services incorporating or otherwise based on such information;
• The information is truthful and no submissions provided by you to us violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s); and
• You are and shall remain solely responsible for the content of any submissions you make.

GOVERNING LAW AND JURISDICTION

These terms shall be governed, construed and enforced in accordance with the laws of Singapore. By using and accessing this site, you agree that Singapore law shall govern such use and access and you agree to submit to the exclusive jurisdiction of the Singapore courts.

HOW TO CONTACT US

Please use the contact form for any feedback, comments, requests in relation to this policy or your personal data or other communications with Caritas.