Disclosure
Kenny Loh, Thomas Chai and Xavier Koh (“The Owner”) hold the Independent Financial Adviser Representative Licence issued by the Monetary Authority of Singapore (“MAS”), and are authorized to provide the following financial advisory services:
Advising others, either directly or through publications or writings, whether in electronic, print, or other forms, concerning any investment product, other than advising on corporate finance within the meaning of the Securities and Futures Act (Cap. 289); and
Advising others by issuing or promulgating analyses or reports, whether in electronic, print, or other forms, concerning any investment product.
- Life Policies
- Securities other than collective investment schemes
- Collective investment schemes
- Marketing of any collective investment schemes
- Arranging of any contract of insurance in respect of life policies
- Advice on General & Group Insurance
- Advice on Loan Products
- Advice on Wills & Trusts
- Advice on Financial Planning
- Advice on Alternative Investments
Disclaimer
The past performance of any trading system or methodology does not necessarily indicate future results. REITsavvy.com, its board of directors, officers, employees or consultants do not guarantee performance will be profitable or will result in losses and shall not be held liable for any partial performance, damage to equipment or non-performance of any of its obligations under the Terms & Conditions that is beyond their control, including factors like failure of transmission, communication or computer facilities.
Information throughout this Site and accompanying materials, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources that we and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information.
Nothing in this Site and accompanying course materials should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause.
This Site and accompanying course materials may include forward-looking statements. All statements other than statements of historical fact are forward-looking statements (including words such as "believe", "estimate", "anticipate", "may", "will", "should" and "expect").
Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct. Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements.
Historical performance is not indicative of future results. The investment return will fluctuate with market conditions. Performance is not indicative of any specific investment or future results. Views regarding the economy, securities markets or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss to the investor.
Investment in REITs and securities, including exchange-traded funds (ETFs), and Contracts for Differences (CFDs) involves the risk of loss. There are no warranties, expressed or implied, as to accuracy, completeness, or results obtained from any information presented in the Site and its accompanying course material.
Risk Disclosure
Trading or investing whether on margin or otherwise carries a high level of risk, and may not be suitable for all persons. Leverage can work against you as well as for you. Before deciding to trade or invest you should carefully consider your investment objectives, level of experience, and ability to tolerate risk. The possibility exists that you could sustain a loss of some or all of your initial investment or even more than your initial investment and therefore you should not invest money that you cannot afford to lose. You should be aware of all the risks associated with trading and investing, and seek advice from an independent financial advisor if you have any doubts. Past performance is not necessarily indicative of future results.
Privacy Policy
1. APPLICATION
1.1. This policy ("Privacy Policy") describes how we, REITsavvy, manage Personal Data which is in our possession or under our control. "Personal Data" has the meaning ascribed to it under the Personal Data Protection Act (No. 26 of 2012) of Singapore (“PDPA”), and currently refers to data, whether true or not, about an individual who can be identified from that data, or from that data and other information to which we have or are likely to have access.
1.2. By using our products and/or services pursuant to your agreement(s) with us (the "Products and Services"), including but not limited to the operation of any account maintained with us at www.reitsavvy.com (including any sub-domains therein), or otherwise providing information to or communicating with us, you are taken to have agreed to our collection, use, processing and disclosure of your Personal Data in accordance with this Privacy Policy.
1.3. This Privacy Policy does not supersede or replace any other consents you may have previously or separately provided to us in respect of your Personal Data, and your consent to this Privacy Policy is in addition to any other rights which we may have at law to collect, use, process or disclose your Personal Data.
1.4. The words "we", "us", "our" or any of their derivatives refer to REITsavvy and its successors and any novatee, assignee, transferee or purchaser of REITsavvy's rights and/or obligations hereunder and any reference to REITsavvy includes a reference to such successor, novatee, assignee, transferee or purchaser. The words "you", "your", "yours" or any of their derivatives refer to the person using our Products and Services, operating any account maintained with us, or otherwise providing information to or communicating with us and shall include, as the context may require, personal representatives (as the case may be).
1.5. This Privacy Policy shall be governed by, and construed in accordance with, the laws of Singapore.
2. PERSONAL DATA THAT WE COLLECT
2.1. We collect, use, disclose, transfer and otherwise process Personal Data about you or individuals who are connected or associated with you including but not limited to your legal representatives (“Associated Persons”) in accordance with this Privacy Policy.
2.2. The Personal Data that we collect or may collect include:
a. personal contact data including name, telephone number, email address, residential address and correspondence address;
b. specimen signature(s);
c. occupation, education and income levels;
d. identification card or passport number, date of birth, place of birth and other information for the verification of identity;
e. financial and banking information (e.g. information on net assets, income, expenses, credit history, bank account and banking transactions, securities trading account);
f. images and voice recordings of our conversations with you;
g. tax and insurance information;
h. information about your risk profile, investments, investment objectives, knowledge and experience and/or business interests and assets;
i. personal opinions made known to us (e.g. your feedback or responses to any surveys);
j. browsing history, patterns or other unique information;
k. your internet protocol address and information associated with such address;
l. any other personal data reasonably required in order for us to provide the Products and Services requested by you; and
m. any other personal data permitted by or required to comply with any applicable local or foreign laws, rules, acts, regulations, subsidiary legislation notices, notifications, circulars, licence conditions, directions, requests, requirements, guidelines, directives, codes, information papers, practice notes, demands, guidance and/or decisions of any national, state or local government, any agency, exchange, regulatory or self-regulatory body, law enforcement body, court, central bank or tax revenue authority or any other authority whether in Singapore or elsewhere, whether having the force of law or not (including any intergovernmental agreement between the governments or regulatory authorities of two or more jurisdictions or otherwise), as may be amended from time to time ("Applicable Laws") and our internal control and compliance policies.
3. SOURCES OF INFORMATION
3.1. The Personal Data has/or will be obtained from the following sources, where applicable, or such other sources which we may see fit from time to time:
a. information provided or submitted by you through (among others) your dealings and agreements with us, which includes information provided when registering as a user, providing information regarding any account which you may open with us, providing answers to security questions, completing any confirmations, declarations or forms, or through your utilisation of any of our Products and Services, accessing or viewing our website;
b. as applicable, publicly available or publicly accessible information; and
c. such other written, electronic or verbal communications or documents delivered to us prior to and during the course of our contractual or pre-contractual dealings with you.
3.2. As the accuracy of your Personal Data depends largely on the information you provide to us, you should inform us as soon as practicable if there are any errors in the Personal Data or if there have been any changes to the Personal Data. We intend to keep the Personal Data accurate and up-to-date, and retain the Personal Data no longer than necessary for the above purposes or as required or permitted by any applicable law.
4. PURPOSES
4.1. For the purpose of carrying out our Services, you acknowledge and agree that your Personal Data may be collected, used and disclosed by us for one or more of the following purposes (“Basic Business Purposes”) to the extent applicable:
a. processing your application for any of the Products and Services offered or distributed by us;
b. evaluating your profile from time to time;
c. provision of the Products and Services as requested by you;
d. facilitating, administering, managing and/or maintaining your relationship with us;
e. generating financial, regulatory, management or other related reports and performance of analytics;
f. preventing, detecting and investigating crime, offences or breaches including but not limited to fraud, money laundering, counter-terrorist financing and bribery;
g. meeting or complying with our internal policies and procedures and any applicable rules, laws, regulations, codes of practice or guidelines, orders or requests issued by any court, legal or regulatory bodies (both national and international) (including but not limited to disclosures to regulatory bodies, conducting audit checks, surveillance and investigation);
h. legal purposes (including but not limited to enforcing our legal rights, drafting and reviewing documents, obtaining legal advice and facilitating dispute resolution);
i. handling customer queries, feedback or complaints;
j. facilitating proposed or actual assignment, transfer, participation or sub-participation in any of our rights or obligations in respect of your agreement(s) with us;
k. carrying out any transactions on your behalf in relation to the Products and Services;
l. communicating with you, including providing you with updates on changes to our Products and Services;
m. to verify your identity for the purposes of providing any Products and Services to you;
n. conducting due diligence checks,
o. for the specific purpose for which it was volunteered or provided to us;
p. to detect and protect us or any third parties against negligence, fraud, theft and other illegal activities;
q. to understand your needs and preferences;
r. improving the content, appearance and utility of the Products and Services;
s. to manage and develop infrastructure and business operations;
t. to administer any account which you may open with us;
u. to process payments;
v. to address or investigate any complaints, claims or disputes;
w. as permitted by any Applicable Laws;
x. financial reporting, regulatory reporting, management reporting, risk management, audit and record keeping purposes;
y. enforcing obligations owed to us;
z. seeking professional advice, including legal advice;
aa. any other reasonable purposes in connection with the provision of our Products and Services;
ab. any other purposes that are appropriate or authorised by any Applicable Laws; and
ac. purposes which are reasonably related to the aforesaid
4.2. In addition to the Basic Business Purposes, we may collect, use, and disclose your Personal Data for:
a. conducting of market research, surveys and data analysis relating to any Products and Services provided or to be provided by us (whether conducted by us or jointly with another party) which may be relevant to you ("Research Purpose"); and
b. offering, marketing and/or promoting to you any products, services, offers or events provided by us, our affiliates and/or partners which we think may be of interest to you ("Marketing Purpose").
4.3. You may, at any time, withdraw your consent to receiving marketing information from us. If you wish to do so, please click on the “Unsubscribe” option available on all marketing/newsletter emails that you may receive from us or contact our Data Protection Officer at [].
4.4. You may also at any time withdraw your consent given for any or all of the Basic Business Purposes, Research Purpose and/or Marketing Purpose (collectively “Purposes”) in writing to our Data Protection Officer at []. If you withdraw consent for any or all of the Purposes and depending on the nature of your request, we may not be in a position to continue to provide our Products and Services to you. In certain circumstances, your withdrawal may be considered a termination by you of any contractual relationship which you have with us and may result in a breach of your contractual obligations or undertakings, and our legal rights and remedies in such event are expressly reserved.
5. ACCURACY OF DATA
5.1. As we rely on the information including your Personal Data provided to provide our Products and Services, you agree to ensure that at all times the information provided is correct, accurate and complete. You shall update us in a timely manner of any change to the information provided to us by you, including your Personal Data.
5.2. The above does not derogate from any terms of any agreement(s) we have with you. Our rights above shall be without prejudice to other rights of collection, use and disclosure of Personal Data pursuant to any agreement(s) we have with you or under any applicable law, and nothing herein is to be construed as limiting any of these other rights.
6. DISCLOSURE AND SHARING OF YOUR PERSONAL DATA
6.1. You agree that in order for us to carry out the Purposes, we may share your Personal Data with our affiliates, partners and/or other third parties (where applicable), whether in Singapore or elsewhere.
6.2. We may from time to time disclose and share your Personal Data to our directors, officers, employees, representatives, agents delegates or any third parties, whether located in Singapore or otherwise, to carry out the Purposes. This includes disclosing and sharing your Personal Data with the following:
a. any of our directors, officers, employees, representatives, agents or delegates;
b. any of our affiliates, partners and/or other third parties (where applicable), including any of their successors or assigns, and their directors, officers, employees, representatives, agents or delegates;
c. our professional advisers, consultants and auditors;
d. any service providers, agents, contractors, delegates, suppliers or other third parties which we may appoint from time to time to provide us with services in connection with the Products and Services that we offer to you, and their directors, officers, employees, representatives, agents or delegates;
e. any sub-contractors that any of our service providers, agents, suppliers, delegates or contractors may appoint from time to time to provide them with services in connection with the Products and Services that we offer to you, and their directors, officers, employees, representatives, agents or delegates;
f. anyone who takes over or may take over all or part of our rights or obligations under any agreement(s) we have with you;
g. parties which assist us in carrying out the Purposes laid out above in this Privacy Policy;
h. any person whom we believe in good faith to be your legal adviser or other appointed professional;
i. any relevant governmental or regulatory authority, in so far as we need to do so to comply with any Applicable Laws, or which we in good faith believe that we should comply with;
j. pursuant to a request by any relevant governmental or regulatory authority (regardless of the reason for such request and whether such request is exercised under a court order or otherwise); and
k. any person to whom we are, in our belief in good faith, under an obligation to make disclosure as required by any Applicable Laws,
provided that in the case of disclosures under any of the circumstances in (a) to (g), we shall procure that the recipient is subject to the same duty of confidence.
7. TRANSFER OF YOUR PERSONAL DATA OUTSIDE SINGAPORE
7.1. We may transfer, store, process and/or deal with your Personal Data outside Singapore. In doing so, we will comply with the requirements of the PDPA.
8. RETAINING YOUR PERSONAL DATA
8.1. Your Personal Data is retained as long as the purpose for which it was collected remains and until it is no longer necessary for any other business purposes or to comply with any Applicable Laws.
9. RIGHTS OF ACCESS AND RECTIFICATION
9.1. However, you may also request access to Personal Data we hold, or request the rectification of any inaccurate data. If you would like to do so, please contact our Data Protection Officer at [].
10. USE OF COOKIES AND RELATED TECHNOLOGIES
10.1. Our website uses cookies. A cookie is a small text file placed on your computer, system or mobile device when you visit a website or use an application. Cookies collect information about users and their visit to the website or use of the application, such as their internet protocol address, how they arrived at the website (for example, through a search engine or a link from another website) and how they navigate within the website or application. We use cookies and other technologies to facilitate your internet sessions and use of our website, offer you our Products and Services according to your preferred settings, track the use of our website and applications and compile statistics about activities carried out on our website and/or through our applications.
10.2. A pixel tag, also known as a web beacon, is an invisible tag placed on certain pages of our website but not on your computer. Pixel tags are usually used in conjunction with cookies and are used to monitor the behaviour of users visiting the website.
10.3. You may set up your web browser to block cookies which will in turn disable the pixel tags from monitoring your website visit. You may also remove cookies stored from your computer or mobile device. However, if you do block cookies and pixel tags, you may not be able to use certain features and functions of our website.
11. THIRD PARTY SITES
11.1. Our websites may contain links to other websites which are not maintained by us. This Privacy Policy only applies to our website, mobile applications, as well as Products and Services. When visiting these third-party websites, you should read their privacy policies which will apply to your use of the websites.
12. CHANGES
12.1. Our Privacy Policy may change from time to time without prior notice. If you continue to use our Products and Services, operate any account maintained with us, access our websites, and/or otherwise provide information to or communicate with us, you are deemed to have agreed to such changes without reservation.
13. CONTACTING US
13.1. If you have any questions about any aspects of this policy or your Personal Data, please contact our Data Protection Officer at [].