Terms and Conditions
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING OR ACCESSING THIS WEBSITE ("THE SITE"). BY USING OR ACCESSING THIS SITE, YOU ARE AGREEING TO THE TERMS OF USE LISTED BELOW. IF YOU DO NOT AGREE TO THE TERMS BELOW, PLEASE DO NOT USE OR ACCESS THIS SITE.
INTELLECTUAL PROPERTY RIGHTS
All contents of, and materials located on, this Site, including but not limited to the text, images and other information herein and their arrangement, are protected by copyright, trademark and other proprietary rights of Shaun Maloney and where applicable, the proprietary rights of the relevant third party providers (including but not limited to his principal company). This means that you shall not without the express written consent of Shaun Maloney distribute the text or graphics to others or for any unlawful or unauthorized purpose; "mirror" or include this information on your own server or documents; or modify or re-use the text or graphics on this system. Shaun Maloney and his principal company reserves all other rights.
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All trademarks, service marks, logos and any other marks whatsoever are used for the benefit of their respective owners and are not intended to infringe the trademark of any such person.
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Shaun Maloney or any of its relevant third party providers (as an intended third party beneficiary, including but not limited to his principal company) may enforce its rights against you.
REVISIONS
All information (including without limitation, specifications, descriptions and prices) appearing in this Site may be revised or withdrawn, in whole or in part, at any time without notice and shall not in any event form or constitute part of an offer or terms and conditions of a contract.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 information published on this Site is provided without charge as a convenience to visitors, to be used for informational purposes only and shall not be construed as an offer or solicitation to deal in the funds or products referred to or contained in this Site. While Shaun Maloney (which shall include any of its relevant third party providers, including but not limited to his principal company) has tried to provide accurate and timely information, there may be inadvertent delays, omissions, technical or factual inaccuracies and typographical errors.
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The information provided on this site is provided "AS IS", "AS AVAILABLE" and is provided by way of a simple summary. Shaun Maloney(which shall include any of its relevant third party providers, including but not limited to his principal company) does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained in this Site, and Shaun Maloney expressly disclaims liability for errors or omissions in these materials. Shaun Maloney makes no commitment to update the information contained in this Site. Accordingly, you are advised to read the relevant insurance product information and insurance policy contract for further information.
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All materials and contents found in this Site are strictly for information purposes only and should not be considered as an investment advice or recommendation, an inducement of offer, or solicitation, to deal in any of the funds, insurance policies or products found in this Site by Shaun Maloney or any of its relevant third party providers (including but not limited to his principal company). Any forecasts or projections or forward looking statements made whether by Shaun Maloney or any other party in this Site are not necessarily indicative of future or likely performance, future events or future financial performance of products, countries, markets or companies. These statements are only predictions and actual events or results may differ. Please make your own assessment of the relevance, accuracy and adequacy of the information contained in this Site. You are advised to make your independent investigations as may be necessary or appropriate for the purpose of such assessment. Any opinion or estimate contained in this Site is made on a general basis and neither Shaun Maloney or any of its relevant third party providers (including but not limited to his principal company), nor any of their servants or agents 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, Shaun Maloney or any of its relevant third-party providers (including but not limited to his principal company) expressly disclaims all liability for the use or interpretation by others of information contained in 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, opinion or estimate contained in this Site. Decisions based on information contained in this Site are your sole responsibility, and in exchange for using this Site, you agree to hold Shaun Maloney or any of its relevant third party providers (including but not limited to his principal company), their subsidiaries and affiliates harmless against all and any claims for damages arising from any decisions that you make based on such information.
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Investments in the unit trusts are not deposits or other obligations of, or guaranteed or insured by Shaun Maloney, or any other fund house or fund manager or their affiliates referred to in this Site and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future performance. The value of the unit trusts and the income from them may fall as well as rise. All applications for unit trusts must be made on the application form accompanying the prospectus. Investors should read the prospectus for details. Units in the Fund are not available to U.S. persons.
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Regardless of your choice of payment mode on your investments, it should not be construed in any way that Shaun Maloney or any of its relevant third party providers (including but not limited to his principal company) is providing any form of credit facility, loan or advance to you. Full payment on any investment order placed with us must be received by IFPL in order for Shaun Maloney to meet settlement timeline with its counterparties, and such investments will only be allocated to you upon receipt of the full payment amount.
Insurance products are obligations of the insurance company. They are not deposits or other obligations of, or guaranteed or insured by Shaun Maloney and/or his principal company. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Insurance Policy.
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The information and descriptions about your insurance information contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to your insurance policies issued by the respective insurance companies, which you have purchased your insurance policies; and it is provided solely for general informational purposes. You have to refer to the actual insurance policy contract(s) for the exact terms, exclusions and conditions of the policy.
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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.
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Please note that only certain bond(s) are available to all investors, while the rest are only available for certain persons to invest in, such as Accredited Investors (as defined in the Securities and Futures Act 2001) or one who invests at least S$200,000 (or its equivalent currency) per transaction. To qualify as an Accredited Investor, one needs to submit a declaration form and certain relevant supporting documents, according to the prevailing policies and procedures of the relevant third party provider (including but not limited to his principal company).
EXCLUSION OF LIABILITY
Visitors to this site assume all responsibility and risk for the use of this site. Shaun Maloney and its relevant third party providers (including but not limited to his principal company), their subsidiaries and affiliates disclaim all warranties, representations and endorsements, 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 title, merchantability, fitness for a particular purpose, non-infirngement, and freedom from computer virus.
Shaun Maloney and its relevant third party providers (including but not limited to his principal company), their subsidiaries and affiliates do not assume any liability or responsibility for the accuracy, completeness, or usefulness of the information disclosed at or accessed through this site. In no event shall Shaun Maloney and its relevant third party providers (including but not limited to his principal company), their subsidiaries and affiliates be liable for any direct, special, indirect, 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 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
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​Any advice or recommendation in the 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 professional advisers regarding the evaluation of any product, insurance, unit trust or other financial instrument, report, index, advice, opinion or any other content.
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Any hyperlinks to any other websites are not an endorsement or verification of such websites and such websites should only be accessed at the user's own risks.
This exclusion clause shall take effect to the fullest extent permitted by law.
LINKS TO THIRD PARTY WEBSITES
Shaun Maloney makes no representations whatsoever about any other website which you may access through this Site. When you access an external source through this site, please understand that it is independent from Shaun Maloney, and that Shaun Maloney has no control over the content on that web site. In addition, reference to any external sources on this web site does not mean that Shaun Maloney endorses or accepts any responsibility for the content, or the use, of such web site and Shaun Maloney shall not be liable for any accuracy or quality of any such content. 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. Shaun Maloney makes no representation or warranty as to any third party products.
LINKING TO THIS SITE
​No hyperlinks to the Site or any of the internal or subsidiary pages within the Site, or framing of any content in the Site, shall be made by anyone unless with the prior consent of Shaun Maloney. Without prejudice to any of its other rights, Shaun Maloney may upon discovering such unauthorized linking or framing disable such links or frames.
SUBMISSION OF INFORMATION
By providing information (such as feedback, data, answers, questions, comments, suggestions, plans or ideas) to Shaun Maloney, you agree that such information shall be non-confidential and that Shaun Maloney shall have unlimited rights to use, distribute, reproduce, and disclose such information worldwide as Shaun Maloney deems appropriate, without compensation or acknowledgement of its source. Shaun Maloney shall be free to use any ideas, concepts, know-how or techniques contained in information which you provide to Shaun Maloney through this Site, including but not limited to developing, manufacturing, and marketing products or services incorporating or otherwise based on such information.
GOVERNING LAW & JURISDICTION
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.