IMPORTANT – PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE AND/OR USING THE ONLINE SERVICES, YOU AGREE TO BE UNCONDITIONALLY BOUND BY THE FOLLOWING TERMS AND CONDITIONS WHICH MAY BE UPDATED BY US IN OUR SOLE DISCRETION FROM TIME TO TIME WITHOUT NOTICE TO YOU. IF YOU DO NOT ACCEPT ANY OF THESE TERMS OR CONDITIONS, YOU MUST IMMEDIATELY DISCONTINUE YOUR ACCESS OF THIS WEBSITE AND/OR USE OF THE ONLINE SERVICES.

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.

1 DEFINITIONS

“we’, “us”, “our” and “ours” means JF Lennon & Associates Pte Ltd (“JF Lennon”) and “you”, “yourself” means the user(s) of the website.

2 COPYRIGHT AND TRADEMARK NOTICES

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) are the property of JF Lennon. 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 JF Lennon. Save and except with JF Lennon’s prior written consent, 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.

All trade marks, service marks and logos used in this website are the property of JF Lennon and/or the respective third party proprietors identified in this website. 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 trade marks, service marks or logos appearing on the website without the prior written consent of JF Lennon or the relevant third party proprietor thereof. Save and except with JF Lennon’s prior written consent, no such trade mark, service mark or logo may be used as a hyperlink or to mark any hyperlink to any JF Lennon member’s site or any other site.

3 SCOPE OF PRODUCTS AND SERVICES

The information and materials contained in or accessed through this website, including any services, products, information, data, text, graphics, audio, video, links or other items 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 JF Lennon in relation to the making of any specific investment, business financial or commercial decision. Such information and materials are provided 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. We do 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.

4 NO OFFER OR SOLICITATION

Nothing in this website shall be considered or construed as an offer, invitation or solicitation to sell, buy, give, take, issue, or as the giving of any advice or recommendation in respect of, any form of investment or any other instrument whether of any entity of JF Lennon in any jurisdiction.

5 MATERIALS FOR GENERAL CIRCULATION ONLY

The information, opinions and statements contained in the materials on this 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.
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.

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.

The materials may be taken or compiled from sources that we believe to be reliable. While all reasonable care has been taken in preparing the materials, we do not represent or warrant that the materials are accurate, useful, adequate, timely or complete and they should not be relied upon as such. You should always consult primary or more accurate or more up-to-date sources of information.

Some of the information in the materials may contain projections or other forward looking statements and/or opinions of investment These statements and opinions are only predictions and actual results may differ materially. Similarly, any past performance figures are not necessarily indicative of future or likely performance.

6 RISKS

You acknowledge that your use of the 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 the website. Therefore, any information you submit any Content 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 the Website.

You acknowledge that 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. Consequently, you understand that you should not post transmit any private or confidential Content information (whether yours or the recipient’s) unless you want it to be available publicly. You are aware that the Content transmitted by you may be subsequently forwarded to a third party by the recipient. You further understand that as we cannot control or prevent the transmission of your private or confidential Content by a third party, we cannot be responsible or held liable for the same. Accordingly, we do not warrant the privacy and/or security of any transmissions (whether by email or otherwise) to and from the Website

7 HYPERLINKS

Any hyperlinks from the Website exist for information purposes and are for your convenience only. We accept no liability for any Losses arising directly or indirectly (including consequential loss) from the accuracy or otherwise of materials or information contained on the pages of such websites or loss arising directly or indirectly from defects with such websites. Our inclusion of hyperlinks does not imply any warranty, endorsement or verification of the material on such websites and such websites should only be accessed at your own risks.

8 THIRD PARTY SERVICES

We cannot be responsible for any services through which you access the website or for any loss you may suffer as a result of you using such a service. You must comply with all the terms and conditions of such a service and pay all the charges connected with it.

9 INDEMNITY

You shall indemnify and hold harmless and keep JF Lennon indemnified in full against all and any claims, actions, proceedings, loss, damage, costs (including legal costs on a full indemnity basis), expenses and liabilities of whatsoever nature and howsoever arising which may be brought against or suffered or incurred by us arising from or which is directly or indirectly related to:

(a) your access to and/or use of the website and/or any other person or entity’s use of the website where such person or entity was able to access and/or use the website by using your user id and password (where applicable); or

(b) any breach or non-observance of any of these Conditions by you or by any other person or entity where such person or entity was able to access and/or use the website by using your user id and password (where applicable).

10 NO WAIVER

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.

If any one or more of the provisions in these 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.

11 TERMINATION

JF Lennon 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.

12 MODIFICATION

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

13 GOVERNING LAW AND JURISDICTION

Nothing herein shall be construed as a representation by JF Lennon 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. By accessing this website and/or using the online services, you agree that such access and/or use, as well as these Terms and Conditions of Access 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 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).