DISCLAIMER

General

a ) This website and Facebook page are owned by GEN Holdings Pte Ltd (“GEN”), a company that provides business and administrative support to a group of financial planners representing Professional Investment Advisory Services (“PIAS”) and GEN is wholly responsible for the content contained in this website or Facebook page.

b ) The information on this website or Facebook page is provided for your personal use only.  The information provided is not commercial, financial, investment, accounting, tax or legal advice and should not be regarded as such. The resale, distribution or public display or use in any form or manner of the information herein is prohibited.

c ) The information provided is of a general nature only and does not take into account your specific objectives, needs and financial situation. The information may not be appropriate to your individual needs. You should seek advice from your financial consultant before making any financial decisions.

d ) The performance of this website or Facebook page and all information contained within, or accessed from the website or Facebook page are provided to you without warranties of any kind whatsoever, including any implied warranties or warranties of merchantability, fitness for a particular purpose or non-infringement of the rights of third parties. GEN shall not be responsible or held liable for any problems or technical malfunction of any telephone network or computer on-line systems, servers, internet access providers, computer equipment, or software, including any injury or damage to your hardware or another person’s hardware or software, as a result of using this website or Facebook page.

e ) GEN reserves the right, at its sole discretion, to modify, disable and discontinue temporarily or permanently, any part or all of this website or Facebook page. We may alter or withdraw any information contained in this website or Facebook page, without liability or notice to you.

f ) By visiting this website or Facebook page, you acknowledge and agree that any reliance on or use of the information available on this website or Facebook page shall be entirely at your own risk. In no event will GEN nor any of its data providers be liable for any direct, indirect, consequential or exemplary damages arising from the use or the performance of this website or Facebook page.

Marketing Materials

g ) The views expressed in this website or Facebook page may not necessary reflect the views of the Professional Investment Advisory Services Pte Ltd (“PIAS”). The information provided herein is intended for general circulation and are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use will be contrary to local law or regulation. This material may not be copied, either in whole or in part, or distributed to any other person without our specific prior consent. Professional Investment Advisory Services Pte Ltd and its affiliates, directors, associates, connected parties, employees and/or Representatives may own or have an interest in the securities that may be covered in this website or Facebook page.

h ) The content in this website or Facebook page may consist of the past performances of markets, sectors and funds. These are provided for reference only and do not have regard to the specific investment objectives, financial situation or the particular needs of any recipient. Henceforth, the contents shall not be construed as an offer or solicitation to buy, sell or subscribe for any investment or life insurance product or the giving of advice. Accordingly, no warranty whatsoever is given and no liability whatsoever will be accepted by PIAS for any loss arising whether directly or indirectly as a result from you acting based on this information.

i ) All investments, past performance of the mentioned collective investment schemes and life insurance policies and any projection of the economies, stock markets, bond markets and the economic trends of the markets are not necessarily indicative of the future performance. Collective investment schemes and life insurance policies are subject to investment risks, including the possible loss of the principal amount invested. You are advised to read very carefully the applicable prospectus, product highlight sheet and/or profile statement of the collective investment schemes, as well as the applicable product summary, benefit illustration and product highlight sheet in respect of the life policies.

j ) Please seek advice from a Financial Adviser Representative or consult your professional regarding the suitability of the investment product, taking into account your specific investment objectives, financial situation or particular needs, before making a commitment to purchase the investment product. In the event that you choose not to seek advice from a Financial Adviser Representative or a professional, you should consider whether the product in question is suitable for you.