Site Terms & Conditions
This website is owned and operated by Luminor Financial Holdings Limited (Company Registration No. 201131382E) (“LFHL, and “we”, “us” or “it”). Your access or use of this website is subject to the following terms and conditions of use (“Terms of Use”). Use of this website includes accessing, browsing, caching or the transmission of information.
Please read all the terms and conditions contained hereunder carefully. By accessing this website and any of the pages thereof, you are deemed to have read and agreed to the Terms of Use. If you do not agree to the Terms of Use you must not use this website or any pages thereof and must discontinue your access immediately.
1. General Conditions for the Use of this Website
1.1 You must comply with all notices, guidelines and operating rules and policies pertaining to the use and access of this website which we may issue from time to time. These notices, guidelines and operating rules and policies will generally be notified to you via email, push notification(s) and/or publication on this website or such other method of notification as may be designated by us, which you acknowledge shall be sufficient notice for the purpose of this clause.
1.2 You must also:
1.2.1 abide by all applicable laws and regulations in your use and access of this website;
1.2.2 not impersonate any person or entity or to falsely state or otherwise misrepresent your affiliation with any person or entity;
1.2.3 not send, distribute or upload, in any way, data or materials that contain viruses, malicious code or harmful components that may impair or damage the operation of another’s computer or device; and
1.2.4 not post, promote or transmit through this website any content that infringes any third party intellectual property rights or other proprietary rights, or that is defamatory, libellous, threatening, obscene, pornographic, indecent, fraudulent, harmful or otherwise illegal, or may be construed as offensive or objectionable, and/or any junk mail, spam, or any unsolicited mass distribution of email.
1.3 You acknowledge that the information and materials in this website are subject to change (including without limitation, modification, deletion or replacement thereof) without notice.
1.4 This term on “General Conditions for the Use of this Website” shall survive the termination of these Terms of Use.
2. Reservation of Right
2.1 LFHL may from time to time without giving any reason or prior notice, upgrade, maintain, modify, alter, suspend, discontinue the provision of or remove (including downtime for the maintenance of this website), whether in whole or in part, this website and shall not be liable if any such upgrade, modification, suspension, alteration, discontinuance or removal prevents you from accessing this website or any part or feature thereof.
2.2 LFHL reserves the right, but shall not be obliged to:
2.2.1 monitor, screen or otherwise control any activity or content;
2.2.2 investigate any violation of these Terms of Use and take any action we deem appropriate;
2.2.3 prevent or restrict access of any user of to this website; and/or
2.2.4 report any activity we suspect to be in violation of any applicable law, statute or regulation to the appropriate authorities and to co-operate with such authorities.
2.3 LFHL reserves the right to suspend, terminate or disable your access and/or use of this website at any time.
3. Disclaimers
3.1 Content and services from various sources such as third party content providers may be included or provided through this website. Neither LFHL (or its related corporations, third party providers and each of our/their officers, directors, employees, agents, independent contractors, successors and assigns) nor any of the content providers shall be liable for any errors or delays in this website or any part thereof, or for any actions taken in reliance thereon. LFHL is under no obligation to monitor or review the content transmitted through this website, including any content, information, functionalities, services or materials (including but not limited to text, software, code, scripts, webpages, music, sound, photographs, video, graphics, graphical user interface, forms, diagrams or other material provided or otherwise made available through this website), and assumes no responsibility or liability for any losses, liabilities, costs, penalties, fines, charges, expenses, damages, claims, demands or proceedings, whether foreseeable or not, arising out of or in connection with any such content nor for any error, omission, falsehood, inaccuracy or any content that infringes any third party intellectual property rights or other proprietary rights, or that is defamatory, libellous, threatening, obscene, pornographic, indecent, fraudulent, harmful or otherwise illegal, or may be construed as offensive or objectionable.
4. No Warranty
4.1 This website, including the information contained herein, including all text, names, images, pictures, graphics, logos, icons, links and other items, are provided "as is" and “as available”.
4.2 LFHL does not warrant, represent or undertake in any manner whatsoever the accuracy, correctness, adequacy, completeness or suitability of such information and hereby expressly disclaims liability for errors or omissions in such information.
4.3 No warranty or representation of any kind, express, implied or statutory, including but not limited to the warranties of title, non-infringement of third party rights, merchantability, satisfactory quality, fitness for a particular purpose and freedom from computer virus or other malicious, destructive or corrupting code, agent, program, macros is given in conjunction with this website or any information and material provided through this website and any such warranty or representation is hereby expressly excluded.
4.4 Without prejudice to the generality of the foregoing, LFHL does not warrant, represent or undertake in any manner whatsoever:
4.4.1 the accuracy, timeliness, adequacy, completeness this website and its content;
4.4.2 that your use of and/or access to this website, or the operation of this website, will be uninterrupted, secure or free from errors or omissions or that any identified defect will be corrected;
4.4.3 that this website will meet your requirements or are free from any virus or other malicious, destructive or corrupting code, agent, program or macros; and
4.4.4 that use of this website, information and material available in this website by you will not infringe rights of third parties.
4.5 You acknowledge and agree that transmissions over the Internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the public nature of the Internet. You acknowledge and agree that LFHL does not warrant the security of any information transmitted by or to you using this website and you hereby accept the risk that any information transmitted or received using this website may be accessed by unauthorised third parties and/or disclosed by LFHL and by its officers, employees or agents to third parties purporting to be you or purporting to act under your authority.
4.6 You will not hold LFHL or any of its officers, employees or agents responsible or liable, in contract, tort (including negligence or breach of statutory duty), equity or otherwise, for any such access or disclosure or for any losses, liabilities, costs, penalties, fines, charges, expenses, damages, claims, demands or proceedings (whether direct or indirect, or whether foreseeable or not) suffered or incurred by you as a result of any such access or disclosure.
5. Exclusion of Liability
5.1 The access and/or use of this website and any information or material contained in this website are at the sole risk of the user. Under no circumstances shall LFHL or any of its subsidiaries, affiliates, partners, suppliers, third party providers and each of their officers, directors, employees, agents, independent contractors, successors and assigns be liable to any extent for any losses, liabilities, settlement sums, damages, costs (including legal costs and costs of other professionals), penalties, fines, charges, actions, proceedings, claims, demands and expenses whatsoever, whether foreseeable or not and whether direct, indirect, consequential, incidental, special or economic including loss of profits, and whether in an action in contract, negligence or tort arising out of or in connection with:
5.1.1 the access or use, inability to access or use, or incomplete, delayed or interrupted access or use of this website, any other website or webpage linked to this website;
5.1.2 the reliance on information contained in this website, or in any other website or webpage linked to this website;
5.1.3 the failure of performance, error, omission or defect of any network, line or server system or the transmission to any computer hardware or software used in accessing this website or the services of any computer virus or other malicious, corrupting or destructive codes, programs, macros or elements of any kind;
5.1.4 the access by any unauthorized person to any information transmitted by you to LFHL or vice versa through this website;
5.1.5 any use of or access to any other website or webpage provided through this website;
5.1.6 any services, products, information, data, software or other material obtained or downloaded through this website or from any other website or webpage provided through this website or from any other party referred through this website, or through the use of this website;
5.1.7 your use or misuse of this website; or
5.1.8 any reliance on this website.
6. Links to Third Party Sites
6.1 This website may contain links to other websites or webpages which are not under the control of and are not maintained by LFHL and the contents, opinions and other links provided by these websites or webpages are not investigated, verified or monitored by LFHL. LFHL will not be responsible for the contents, opinions or other links contained in any such linked websites or webpages or any changes or updates thereto. Such links are provided only as a convenience, and the inclusion of any such links is not an endorsement by LFHL of the website, the webpage or the contents therein, and you are put on notice that any access by you of such linked websites or webpages is at your own risk.
7. Submission of Feedback and Information
7.1 Any feedback and information submitted to us at this website (whether by e-mail or otherwise) shall be deemed to be non-confidential and shall become our property and we shall be entitled to use such feedback and information on an unrestricted basis for any purpose (including without limitation, reproduction, disclosure to third parties, transmission, publication, broadcast, and in relation to the development, marketing and promotion of any facilities, products or services). Please understand that we shall not be subject to any obligation of confidentiality in relation to any ideas, concepts, know-how, processes or techniques contained in any feedback or information submitted to us, and we give no assurances that any ideas, concepts, know-how, processes or techniques contained in any feedback or information submitted to us will be treated as confidential or proprietary.
8. Copyright and Trademark Notices
8.1 Copyright © Luminor Financial Holdings Limited. All Rights Reserved.
Copyright and all other intellectual property in the contents of this website (including, but not limited to, all design, text, sound recordings, images or links) are owned by LFHL and/or its holding company and/or its subsidiaries and/or the subsidiaries of its holding company (together the “Group”) unless otherwise indicated. As such, they may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of LFHL. Save and except with LFHL’s prior written consent, you may not insert a hyperlink to this website or any part thereof on any other website or “mirror” or frame this website, any part thereof, or any information or materials contained in this website on any other server, website or webpage. No hyperlinking of this website or any part thereof to any other website or the mirroring or framing or reproduction of this website or any part thereof on any other website or the use of any information or materials contained in this website on any other server, website or webpage or the use of this website or any information or materials contained in this website for any public or commercial purpose is permitted without the prior written consent of LFHL, which consent may be granted or refused at its sole discretion and may be subject to terms and conditions imposed by LFHL.
All trademarks, service marks and logos used in this website are the property of the Group and/or the respective third-party proprietors identified in this website. No licence or right is granted and your access to this website shall not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademarks, service marks or logos appearing on the website without the prior written consent of the Group or the relevant third-party proprietor thereof. Save and except with LFHL's prior written consent, no such trademark, service mark or logo may be used as a hyperlink or to mark any hyperlink to any other website or webpage.
8.2 This term on “Copyright and Trademark Notices” shall survive the termination of these Terms of Use.
9. Data Privacy
9.1 Please refer to our data protection policy available on this website which explains how we treat your personal data when you access and/or use this website. By accessing and using this website, you agree, on your own behalf and on behalf of any third party individuals whose data (including personal data) you provide to us or our third-party providers, that we and our third-party providers can collect, use and disclose any data (including personal data) you provide to us or our third-party providers:
9.1.1 in accordance with our data protection policy, as may be updated and/or amended by us from time to time;
9.1.2 to help us understand how this website is being used and how we can improve and enhance this website (including for the purposes of research and development, analytics, surveys and/or profiling); and
9.1.3 for marketing purposes and in this regard, to send you by various modes of communication marketing and promotional information and materials relating to products and/or services (including, without limitation, products and/or services of third parties whom we may collaborate or tie up with) that we (and/or our affiliates or related corporations) may be selling, marketing or promoting, whether such products or services exist now or are created in the future. We may use your contact information to send marketing materials from us and from our affiliates or related corporations.
9.1.4 Such data may include your device's IP address, statistics about how you access or use this website and information provided through the use of “cookies”.
9.2 For the purposes of these Terms of Use, “personal data” means “personal data” as defined in the Personal Data Protection Act 2012 (No. 26 of 2012) of Singapore.
10. Termination
10.1 We, in our sole discretion, may with immediate effect without giving you any notice, terminate your access and/or use of this website and may bar your access to this website or any part thereof for any reason whatsoever, including without limitation, a breach of any of the terms and conditions of these Terms of Use. You shall forthwith cease the use of this website in any way whatsoever.
10.2 Termination of your use or access to this website by us for any reason shall not bring to an end our rights accrued prior to termination, and your obligations under any provisions of these Terms of Use which are meant to survive the termination.
11. Amendments to Terms of Use
11.1 LFHL may impose such further terms and conditions and make such amendments to these Terms of Use as we may in our discretion deem fit from time to time. Such revisions or amendments to the Terms of Use will generally be notified to you via email, push notification(s) and/or publication on this website or such other method of notification as may be designated by us, which you acknowledge shall be sufficient notice for the purpose of this clause. If you do not agree to be bound by the revised or amended Terms of Use, you shall immediately cease all access and/or use of this website. You further agree that if you continue to use and/or access this Website after being notified of such revised or amended Terms of Use, such use and/or access shall constitute an affirmative:
11.1.1 acknowledgement by you of these Terms of Use and its amendments; and
11.1.2 agreement by you to abide and be bound by these Terms of Use and its amendments.
12. Language
12.1 The Terms of Use is written in the English language.
13. Governing Law
13.1 These Terms of Use shall be governed by and construed in all respects in accordance with the laws of the Republic of Singapore and you agree to submit to the non-exclusive jurisdiction of the Singapore courts.