Please read this information carefully pertaining to access to the websites wilfredling.com, ifa.sg and https://www.facebook.com/wilfredlingonduty (collectively called "Websites").
Access to these Websites is granted by Wilfred Ling subject to the following Terms and Conditions. Use of these Websites constitutes your agreement to be bound by all such Terms and Conditions without limitation or qualification. Wilfred Ling may at any time revise these Terms and Conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions to which you are bound. IF YOU DO NOT AGREE TO THESE TERMS & CONDITIONS, PLEASE DO NOT USE OR ACCESS THIS SITE.
The materials contained in these Websites, including services, products, information, data, text, graphics, audio, video, links or other items are provided "as is" and "as available". Wilfred Ling disclaims all warranties, express or implied, as to any matter whatsoever relating to this website and any information, materials, products and services provided herein, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement of third party rights.
Wilfred Ling does not warrant the accuracy, adequacy or completeness of the information and materials in this website and expressly disclaims liability for errors or omissions in such information and materials. In addition, Wilfred Ling may, from time to time, at its absolute discretion change, delete or replace the materials and information provided herein.
No warranty is given that access to any information or materials on these Websites, or these Websites as a whole will be provided uninterrupted or free from errors or that any identified defect will be corrected; further, no warranty is given that these Websites or any information or materials are free from any virus or other malicious, destructive or corrupting code, agent, program or macros.
These Websites may be linked to other websites which are not maintained by Wilfred Ling. Such links are provided for your convenience and reference only and the inclusion of any hyperlink to any other website is not an endorsement or verification by Wilfred Ling of such website, its contents or its sponsoring organization, and such website should only be accessed at your own risks.
Exclusion of Liability
Wilfred Ling shall in no event be liable for any damages, loss or expense including without limitation, direct, indirect, special, consequential or punitive damages or economic loss arising from or in connection with:
- any access, use or the inability to access or use these Websites, or reliance on the contents of this website;
- any system, server or connection failure, error, omission, interruption, delay in transmission or computer virus;
- any use of or access to any other website linked to these Websites;
- any services, products, information, data, software or other material obtained from these Websites or from any other website linked to this website,
How data are collected
- When you contact the owner of these Websites through the ‘Contact’ link, you provide your name, email and contact number.
- When you subscribe to these Websites, you provide your name and email. You are automatically subscribed to Wilfred Ling's email newsletter if you use any of the software tools in this site.
- Your IP address, date & time, browser details and device details (whether it is an iPad, desktop, Android, etc) are recorded using Google Analytics. Such information are stored by Google indefinitely.
- When you sign up for Wilfred Ling's webinar, we collect your name, email address, phone number and other information.
- Your IP address, date & time, browser details and device details are also recorded and stored for 24 hours by a built-in wordpress plugin.
How data are used
- If you subscribe to the newsletter, you will receive the promised newsletters and occasionally marketing information relating to financial planning matters.
- If you write in to us, we may contact you on the subject matter.
- If you signed up for any of Wilfred Ling's webinars, he may call you prior and after the webinar.
- Third parties, including Facebook, uses the information collected to provide measurement services and target ads. Users can opt-out of the collection and use of information for ad targeting by visiting http://www.aboutads.info/choices and http://www.youronlinechoices.eu/.
Consent to usage
You agree to the terms on how we collect and how data are used. If you disagree to the terms above, you are to cease browsing this website and never to contact us ever again.
No Financial Advice
Although Wilfred Ling is authorised by Singapore’s law to provide financial advice, nothing in this website shall be construed as providing financial advice within the meaning of the Financial Advisers Act.
Personal Opinion only
All articles and posts on this website represents the views and opinions of Wilfred Ling only. It does not represent the views of any institutions and companies. Although Wilfred Ling is a Financial Adviser Representative of Financial Alliance Pte Ltd (FAPL whose address is 150 Beach Road #12-01/08, Gateway West Singapore 189720), he is wholly responsible for its content. All of its contents are not endorsed by FAPL nor does it constitute any official communication of FAPL.
Copyright and Trademarks
You should assume that everything you see or read on these Websites are copyrighted unless otherwise noted and may not be copied, used or distributed in any way without the written permission of Wilfred Ling, except as provided in these Terms and Conditions or in the text on these Websites. Wilfred Ling neither warrants nor represents that your use of materials displayed on these Websites will not infringe rights of third parties not owned by or affiliated with Wilfred Ling.
Governing Law - Jurisdiction
All content on these Websites are meant for Singapore citizens, Singapore Permanent Residents or foreign nationals residing in Singapore. Nothing on these Websites shall be construed as an offer to sell or solicitation to buy or provision of any product or service outside of Singapore. In the event that the jurisdiction you are in impose restrictions on or do not permit access to the contents of these Websites, you shall forthwith comply with such restrictions or discontinue access (as the case may be) hereto.
By accessing this website and/or using the services offered through these Websites, you agree to submit irrevocably to the jurisdiction of the courts of Singapore.
Other notices required by regulator
- This advertisement has not been reviewed by the Monetary Authority of Singapore.
- See the following for definition of "independent": http://bit.ly/what_is_independent