Legal
Disclaimer
Information in this website is Li JiaQian’s personal opinions, views and research findings. They do not necessarily reflect the company that he represents.
The information in this website is provided for your personal use only. The information provided is not commercial, financial, investment, accounting, tax or legal advice and should not be regarded as such. The resale, distribution or public display or use in any form or manner of the information herein is prohibited.
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The information provided is of a general nature only and does not take into account your specific objectives, needs and financial situation. The information may not be appropriate to your individual needs. You should seek advice from your financial planner before making any financial decisions.
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The performance of this website and all information contained within, or accessed from the website are provided to you without warranties of any kind whatsoever, including any implied warranties or warranties of merchantability, fitness for a particular purpose or non- infringement of the rights of third parties. Li JiaQian shall not be responsible or held liable for any problems or technical malfunction of any telephone network or computer online systems, servers, internet access providers, computer equipment, or software, including any injury or damage to your hardware or another person’s hardware or software, as a result of using this website.
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Li JiaQian reserves the right, at its sole discretion, to modify, disable and discontinue temporarily or permanently, any part or all of this website. He may alter or withdraw any information contained in this website, without liability or notice to you. By visiting this website, you acknowledge and agree that any reliance on or use of the information available on this website shall be entirely at your own risk.
In no event will Li JiaQian nor any of its data providers be liable for any direct, indirect, consequential or exemplary damages arising from the use or the performance of this website.
Privacy Policy
What information do we collect?
We collect information from you when you register on our site, place an order, subscribe to our newsletter, respond to a survey or fill out a form.
When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, also visit our site anonymously.
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What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
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To improve our website. We continually strive to improve our website offerings based on the information and feedback we receive from you.
To improve customer service. Your information helps us to more effectively respond to your customer service requests and support needs. -
To process transactions. Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason without your consent, other than for the express purpose of delivering the purchased product or service requested.
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To send periodic emails. The email address you provide will only be used to send you information and updates pertaining to your interests. Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
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We collect data such as website analytics, traffic sources, and engagement from our social media channels to improve user experience. We analyze this information so we can tailor fit our content for the users. Entering our website will allow us to gather such data through cookies.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information.
Your private information (credit card details, etc.) will not be stored on our servers. All information is transmitted via Secure Socket Layer (SSL) technology and encrypted into our payment gateway provider’s database accessible only by those authorized with special access rights to such systems who are required to keep the information confidential.
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Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
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Third party links
Occasionally we may include third party products or services on our website. These third party sites have separate and independent privacy policies. We have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
This online privacy policy applies only to information collected through our website and not to information collected offline.
Terms and Conditions
Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website.
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Your Consent
By using our site, you consent to our online privacy policy.
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Changes to our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page.
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Terms of Use
Access to this website is granted by Li JiaQian 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. Li JiaQian 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”.
Li JiaQian 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.
Li JiaQian 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, Li JiaQian 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 Li JiaQian. 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 Li JiaQian of such website, its contents or its sponsoring organization, and such website should only be accessed at your own risks.
Exclusion of Liability
Li JiaQian 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.
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.
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 and updates 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 used 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.
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 Li JiaQian.
2. Generally, Li JiaQian does not provide pro-bono service. Your usage of this blog and any “free” services is with full understanding that it is to market Li JiaQian's financial services.
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 Li JiaQian 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.
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 Li JiaQian, except as provided in these Terms and Conditions or in the text on this website. Li JiaQian 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 Li JiaQian.
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.