Your access and use of our website are governed by the terms and conditions stated herein (the “Terms”) and the associated privacy policy (“Privacy Policy”) (the Terms and the Privacy Policy are referred to collectively as the “Terms and Policy”). By accessing and using our website, you accept and agree to be bound by our Terms and Policy. If you do not accept our Terms and Policy, you must not access or use our website.

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The information contained in our website is provided by SGOptima Advisors for general guidance on matters of interest only. The information provided is not intended to replace or serve as substitute for any tax, accounting, legal or other professional advice, consultation or services. Before making any decision or taking any action, you should consult a professional in SGOptima Advisors.

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Given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in our website. SGOptima Advisors do not guarantee or warrant our website will be uninterrupted, without delay, error-free, omission-free or free of viruses. Therefore, all information in our website is provided “as is” without warranties of any kind, express or implied, including accuracy, timeliness and completeness.

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In no event shall SGOptima Advisors or any of its respective partners, agents or employees be liable for any direct, indirect, incidental, special, exemplary, punitive, consequential or other damages without regard to the form of any action, including, but not limited to, contract, negligence or other tortious actions, arising out of or in connection with our website, any content on or accessed by use of our website, or any copying, display or other use.

In using our website, you shall not do any of the following:

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• Post, transmit or otherwise make available through our website any materials that are or may be: (a) threatening, harassing, degrading, hateful or intimidating, or otherwise fail to respect the rights and dignity of others; (b) defamatory, libellous, fraudulent or otherwise tortious; (c) obscene, indecent, pornographic or otherwise objectionable; or (d) potentially harmful or invasive or intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment, such as a virus, worm, Trojan horse, Easter Egg, time bomb, spyware or other computer code, file or program (each, a “Virus”).

• Post, transmit, or otherwise make available through our website any material protected by copyright, trademark, trade secret, right of publicity or privacy or any other proprietary right, without the express prior written consent of the applicable owner.

• Use our website for any commercial purpose or otherwise use our website for processing data or other information on behalf of any third party.

• Use our website for any purpose that is fraudulent or otherwise tortious or unlawful.

• Interfere with or disrupt the operation of our website or the servers or networks used to make our website available, including by hacking or defacing any portion of any of our website; or violate any requirement, procedure or policy of such servers or networks.

• Restrict or inhibit any other person from using our website.

• Create or share content without first obtaining any necessary permissions from third parties or otherwise use our website to post or transmit any information that you do not have the right to provide; that would violate any applicable law or regulation; or that would violate, infringe or misappropriate any third party right or interest. 

• Reproduce, modify, adapt, translate, create derivative works of, sell, rent, lease, loan, timeshare, distribute or otherwise exploit any portion of (or any use of) our website except as expressly authorised herein, without SGOptima Advisors’ express prior written consent.

• Reverse engineer, decompile or disassemble any portion of any of our website, except where such restriction is expressly prohibited by applicable law.

• Remove or alter any copyright, trademark or other proprietary rights notice on our website or content you access via our website.

• Frame or mirror any portion of our website, or otherwise incorporate any portion of our website into any product or service, without SGOptima Advisors’ express prior written consent.

• Systematically download and store the content of our website.

• Use any robot, spider, the site’s search application or other manual or automatic device to (a) retrieve, index, “scrape,” “data mine” or otherwise gather content from our website, (b) reproduce or circumvent the navigational structure or presentation of our website, or (c) harvest or collect information about users of our website without SGOptima Advisors’ express prior written consent.

 

If you do not comply with our Terms and Policy (or if we have reasonable grounds to suspect or are investigating suspected non-compliance), we may suspend your access to our website or take any other steps we consider appropriate.

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SGOptima Advisors may change our Terms and Policy from time to time at our discretion and without notice. The updated Terms and Policy will take effect when they are uploaded on our website. Please review our Terms and Policy regularly when you access our website to ensure you are aware of any changes made. Your continued usage of our website after any changes to these Terms and Policy means that you accept those changes.