Terms & Conditions

Please read this information carefully.

Terms of Use

Access to this website is granted by Wilfred Ling subject to the following Terms and Conditions. Use of this website 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.

Disclaimer

The materials contained in this website, 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 this website, or this website 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 this website or any information or materials are free from any virus or other malicious, destructive or corrupting code, agent, program or macros.

This website 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 this website, 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 this website;
• any services, products, information, data, software or other material obtained from this website or from any other website linked to this website,

Privacy Policy

How data are collected

1. When you comment on a blog post, you provide your name and email address.  The contents of these comments are stored indefinitely regardless of whether approved or otherwise.
2. When you contact the owner of this blog through the ‘Contact’ link, you provide your name, email and contact number.
3. When you subscribe to this blog site, you provide your name and email. You are automatically subscribed to this blog if you use any of the software tools in this site.
4. 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.
5. Your IP address, date & time, browser details and device details are also recorded and stored for 24 hours by a built-in wordpress plugin.
6. Third parties, including Facebook use cookies, web beacons, and other storage technologies to collect or receive information from this website and elsewhere on the internet.

How data are used

1. When commenting on blog posts, your comments will be automatically and immediately be approved and publish if historically your comments were of good taste, not offensive and did not violate any laws in Singapore.
2. If you subscribe to the mailing list, you will receive the promised newsletters and occasionally marketing information relating to financial planning matters.
3. If you make a comment in any of the blog posts, it is technically possible to link your name, email, IP address, time, date and the articles you read in this website. This information shall be use to identify hackers and/or commentators making comments with bad taste, offensive or violation of Singapore laws. Appropriate action will be taken against such individuals.
4. If you write in to us, we may contact you on the subject matter.
5. If you request for financial planning services, any data we already collected may be used to conduct a background check on you using public information such as Facebook and LinkedIn before we agree to meet you. This is to protect ourselves from any physical harm when meeting individuals unknown to us.
6. If you attempt to ‘hack’ this website, the firewall will automatically ban your IP address from accessing this site.
7. 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/.

How data are used for leads generation

1. While most information provided on this blog and those emailed to you via the mailing list is at no charge, any data collected has only a single purpose which is to generate leads and acquire new clients for Wilfred Ling.
2. Generally, Wilfred Ling does not provide pro-borno service. Your usage of this blog and any "free" services is with full understanding that it is to market Wilfred Ling's financial services.
3. Information provided through this blog and mailing list provide useful information to most individuals. Those who find them useful usually become Wilfred Ling's clients eventually.

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 view of Wilfred Ling only. It does not represent the views of any institutions and companies.

Copyright and Trademarks

You should assume that everything you see or read on this website is 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 this website. Wilfred Ling neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Wilfred Ling.

All violators of copyright will have their identity publish on this page: HALL OF SHAME - Copyright Infringement

Governing Law - Jurisdiction

All content in this website meant for Singapore citizens, Singapore Permanent Residents or foreign nationals residing in Singapore. Nothing in this website 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 this website, 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 this website, you agree to submit irrevocably to the jurisdiction of the courts of Singapore.