Terms of Use

This site belongs to me, Desmond Tan, a licensed Financial Adviser Representative in a leading financial advisory firm. Information and opinions presented are my own, and does not represent the opinions and advise of any other entity for that matter.

Materials presented are relatively based on considerably reliable sources. However, I do not represent that all the materials presented are accurate, current or complete and it should not be relied on sole as such unless specifically stated otherwise. All numerical data presented is only indicative.
This website may also contain third party contents or links to third party websites, which is provided and presented only for the convenience of viewers and is not of my control.
Any information and opinions presented in the materials given is subject to change without notice and may differ from actual circumstances.

No Offer
The materials and information presented on this website entails no regard to any specific investment objectives, financial situation, or particular needs on any specific recipient for that matter. The objective of the website is to present and publish materials for information purposes and not to be taken as an avenue for solicitation of any action, or an offer to buy or sell any financial instruments. My intention is not to provide any investment, legal or tax advice through this website nor provide any representation that security or services sited are suitable for any particular individual.
A professional financial adviser should be consulted should you wish to seek any personal advice on making any decision about investing.

No Warranty
All data and information within this website are provided on “as is” basis at your own risk. I do not make any representation or provide warranties; whether expressed or implied, with respect to the information and accuracy, timeliness, completeness, reliability or availability of this website or the materials or links, or that this website and 3rd party links is virus-free or error-free.

No Liability
To the fullest extent permitted by law, in no event shall I be liable whatsoever to any individual for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of partial or all areas of this website.

Intellectual Property Rights
I retain all rights, titles and interests in all data and information on this website. Sections and/ or specific pages of this website may be printed solely for personal or internal use. All users must not, without limitation, modify, copy, distribute, display, reproduce, publish, license, create derivative works from, transfer or use in any other way for commercial or public purposes in whole or in parts any information or data obtained from this website without my prior written permission.

Electronic Communication
The World Wide Web or internet is a medium accessible to all which makes is neither secure nor confidential. Having stated such, you are required to communicate with me via more secure channel should you seek any professional advice. In no event should you use ordinary e-mail to transmit your personal or confidential information such as any account related data also for your own security.