This web site (the “Site”) is owned and operated by Envysion Wealth Management Pte Limited. (“Envysion Wealth”, “we”, “us” or “our”).The use of this Site and the content and information available on this Site (collectively the “Services”) shall be subject to acceptance of and compliance with the terms and conditions set forth in these terms of use (collectively, the “Terms of Use”) and elsewhere on this Site. The terms “you,” “your”, “yours”, “member” “members” and “yourself” refer to all visitors/members to this Site. Your agreement to comply with and be bound by these Terms of Use is deemed to occur upon your first use of the Site. If you do not agree to these Terms of Use, you should not use this Site. Envysion Wealth Management has the total right to edit or delete any content in the Site, including this Agreement, without notifying you.

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SERVICES AND PRODUCTS

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DISCLAIMER AND EXCLUSION OF LIABILITY

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CHANGES TO TERMS OF USE

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You accept and agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore in respect of any dispute or difference arising out of and/or in connection with these Terms of Use.

VIDEOS

Envysion Wealth Management (Co Reg. No.: 201912494D ) (the “Service”) prepared this video for information purposes only. It is not an offer or solicitation to invest in any financial product or enter into any legal relations with any party. The views expressed do not constitute advice or recommendation with respect to any financial product and may not represent views of the market. This video does not have regard to specific investment objectives, financial situation or particular needs of any person. The Service may have issued other reports, analyses, or other documents which expressing different views from that in this video, all of the said views subject to change without notice. The Service may have discussed the contents of the video with others within or outside the Service. The Service personnel may have already communicated the contents of this video to other customers of the Service or acted on the basis of such information in this video. The Service, its personnel and other customers of the Service may have acquired positions at prices and market conditions that are no longer available, and may have interests different from or adverse to, your interests.

You should exercise caution in relation to investments, independently evaluate and consider the suitability of each financial product, taking into account your own specific investment objectives, investment experience, financial situation and/or particular needs. If you have any doubt about any part of this video and/or the suitability of any investment product, you should obtain independent financial, legal and/or tax advice from your professional advisers as you deem necessary. Past performance is not always indicative of likely or future performance. Investors need to read and understand the risk disclosures and governing terms and conditions in the relevant offering documents. Investments in financial products carry significant risk, including the possible loss of the principal amount invested. The Service and its officers accept no liability for any loss whatsoever (whether direct, indirect or consequential) arising out of or in connection with your use of any part of this video.

This video has not been reviewed by, registered or lodged as a prospectus, information memorandum or profile statement with the Monetary Authority of Singapore or elsewhere. This video may not be published, circulated, reproduced or distributed in whole or in part to any other person without the Service’s prior written consent, and is not intended for distribution to, publication or use by any person in any jurisdiction outside Singapore or such other jurisdiction as the Service may determine in its absolute discretion, where such distribution, publication or use would be contrary to applicable law or would subject the Service and its related corporations, connected persons, associated persons and/or affiliates (collectively, “Affiliates”) to any registration, licensing or other requirements within such jurisdiction.

While reasonable efforts have been made to ensure that the contents of this video have been derived from sources believed by the Service and its Affiliates to be reliable, neither the Service nor its Affiliates has independently verified the accuracy of such source(s). The Service and its Affiliates do not make any express or implied representations, warranties or guarantees as to the accuracy, timeliness or completeness of the contents of this video and do not accept any liability for any loss or damage whatsoever, direct or indirect, arising from or in connection with the use of or reliance on the contents of this video.

Envysion Wealth Management is a licensed entity regulated by the Monetary Authority of Singapore in Singapore. The Service, its employees and discretionary accounts it manages, may have long or short positions or may be otherwise interested in, or from time to time dispose of, any financial product (including derivatives thereof) which this video may refer to.

Important Information

This document is prepared for clients of Envysion Wealth Management (“Envysion”) only.

The information has been obtained from sources believed to be reliable but Envysion or its affiliates and/or subsidiaries do not warrant its completeness or accuracy except with respect to any disclosures and it should not be relied on as such. The information, opinions, estimates, and forecasts contained herein are as of the date of this document and are subject to change without notice.

We have not considered any individual’s portfolio, investment objectives, risk tolerance, portfolio diversification, or particular needs and are not intended as recommendations of particular securities, financial instruments, or strategies to particular clients. The recipient of this communication must make his/or own independent decisions regarding whether this communication and any securities or financial instruments mentioned herein, is appropriate in the light of its existing portfolio holdings and/or investment needs.

The information in this document cannot disclose everything about the nature and risks of the abovementioned product. This is not an exhaustive list of the risks involved, nor should it be regarded as offering advice on the suitability of these investments for you. In addition to considering your own circumstances and needs, please read carefully and make sure you understand this product’s objectives, risks, charges, and expenses, as well as the contents of any term sheet or such equivalent documentation before you make any investment.

Before making any investment, you should consider all risks carefully and consult an independent financial adviser as necessary before dealing with any financial products mentioned in this document.

Disclaimer

This document may contain information proprietary to Envysion which may not be reproduced or redistributed in whole or in part without Envysion’s prior consent. It is not an offer or a solicitation nor advice or by itself a recommendation with respect to such investment products. It does not have regard to the specific investment objectives, investment experience, financial situation, and the particular needs of any recipient or customer. You should exercise caution in relation to any potential investment. You should independently evaluate the presented product and consider the suitability of such investment, considering your own specific investment objectives, investment experience, financial situation, and/or particular needs. You will need to decide on your own as to whether or not the contents of this document are suitable for yourself. If you have any doubt about the contents of this document and/or the suitability of any investment products mentioned herein, you should obtain independent financial, legal and/or tax advice from your professional advisers as necessary.

Disclaimer

Envysion is not in the business of providing and does not provide, tax, accounting, or legal advice to any clients. The material contained herein is prepared for informational purposes and is not intended or written to be used, and cannot be used or relied upon for tax, accounting, or legal advice. You are responsible for consulting your own independent advisor as to the tax, accounting, and legal consequences associated with your investments/transactions based on your particular circumstances.

This document and other related documents have not been reviewed by or with the Monetary Authority of Singapore nor any regulator elsewhere.
This document may not be published, circulated, reproduced, or distributed in whole or in part to any other person without Envysion’s prior written consent. This document is not intended for distribution to, publication or use by any person in any jurisdiction outside Singapore, where such distribution, publication or use would be contrary to applicable law or would subject Envysion and its related corporations, connected persons, associated persons and/or affiliates (collectively, “Affiliates”) to any registration, licensing or other requirements within such jurisdiction.

Investments carry significant risk, including the possible loss of the principal amount invested. Financial instruments or other products
denominated in a foreign currency are subject to exchange rate fluctuations, which may have an adverse effect on the price or value of an investment in such products. No liability is accepted by Envysion for any loss (whether direct, indirect, or consequential) that may arise from any use of the information contained in or derived from this document.
Past performance is not a guarantee or indication of future results. Any prices provided in this document (other than those that are identified as being historical) are indicative only and do not represent firm quotes as to either price or size. You should contact your advisor directly if you are interested in buying or selling any financial instrument or other product or pursuing any trading strategy, investment strategy, or wealth planning structure that may be mentioned in this document.

While reasonable efforts have been made to ensure that the contents of this document have been obtained or derived from sources believed by Envysion to be reliable, neither Envysion nor its Affiliates have independently verified the accuracy of such source(s). Envysion and its Affiliate and their respective officers, employees, agents, and representatives do not make any express or implied representations, warranties or guarantees as to the accuracy, timeliness or completeness of the information, data or prevailing state of affairs that are mentioned in this document and do not accept any liability for any loss or damage whatsoever, direct or indirect, arising from or in connection with the use of the contents of this document.

Disclaimer

Envysion and its Affiliates may have issued other reports, analyses, or other documents expressing views different from the contents hereof, and all views expressed in all reports, analyses, and documents are subject to change without notice. Envysion and its Affiliates reserve the right to act upon or use the contents hereof at any time, including before its publication herein. The author of this document may have discussed the information contained therein with others within or outside Envysion and the author and/or other personnel may have already acted on the basis of this information (including communicating the information contained herein to other customers of Envysion). Envysion, its personnel (including those with whom the author may have consulted in the preparation of this communication), and other customers may be long or short the financial instruments or other products referred to in this document, may have acquired such positions at prices and market conditions that are no longer available, and may have interests different from or adverse to your interests.

This document is not intended for circulation or distribution outside Singapore, other than to whom such circulation or distribution is permitted by, or is exempt from the requirements of, the applicable laws and regulations of Singapore.

CROSS-BORDER MARKETING

Australia: Envysion Wealth Management is exempt from the requirement to hold an Australian financial services (AFS) license under the Corporations Act 2001 (Cth) in respect of all financial products or financial services it provides in accordance with ASIC Class Order 03/1102 (as continued in force by ASIC Corporations (Repeal and Transitional) Instruments 2016/396) to any person in Australia who is a wholesale client, and (ii) is regulated by the Monetary Authority of Singapore under Singaporean Laws which differ from Australian laws.

Brunei: This document has not been delivered to, licensed or permitted by the Autoriti Monetari Brunei Darussalam, the authority as designated under the Brunei Darussalam Securities Markets Order, 2013 and the Banking Order, 2006; nor has it been registered with the Registrar of Companies, Registrar of International Business Companies or the Brunei Darussalam Ministry of Finance. The products are not registered, licensed or permitted by the Autoriti Monetari Brunei Darussalam or by any other government agency or under any law in Brunei Darussalam. Any offers, acceptances, sales, and allotments of the products shall be made outside Brunei Darussalam.

Indonesia: The offering of the investment product in reliance of this document is not registered under the Indonesian Capital Market Law and its implementing regulations and is not intended to constitute a public offering of securities under the Indonesian Capital Market Law and its implementing regulations. Accordingly, this investment product may not be offered or sold, directly or indirectly, within Indonesia or to citizens (wherever they are domiciled or located), entities, or residents, in any manner which constitutes a public offering of securities under the Indonesian Capital Market Law and its implementing regulations.

Japan: The information contained in this document is for general reference purposes only. It does not have regard to your specific investment objectives, financial situation, risk tolerance, and particular needs. Nothing in this document constitutes an offer to buy or sell or an invitation to odder to buy or sell or a recommendation or a solicitation to buy or sell any securities or investment. We do not have any intention of conducting a regulated business in Japan. You acknowledge that nothing in this document constitutes investment or financial advice or any advice of any nature.

Malaysia: Envysion Wealth Management does not hold any license, registration or approval to carry on any regulated business in Malaysia (including but not limited to any businesses regulated under the Capital Markets & Services Act 2007 of Malaysia), nor does it hold itself out as carrying on or purport to carry on any such business in Malaysia. Any services provided by Envysion Wealth Management to residents of Malaysia are provided solely on an offshore basis from outside Malaysia, either as a result of “reverse inquiry” on the part of the Malaysian residents or where Envysion Wealth Management has been retained outside Malaysia to provide such services. As an integral part of the provision of such services from outside Malaysia, Envysion Wealth Management may from time to time make available to such residents documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of Malaysia). Nothing in such documents or information is intended to be construed as or constitute the making available of, or an offer or invitation to subscribe for or purchase any such capital markets product.

Myanmar: Envysion Wealth Management is not licensed or registered under the Financial Institutions Law (Law No. 20/2016) or other Myanmar legislation to carry on, nor do they purport to carry on, any regulated activity in Myanmar. The provision of any products and services by Envysion Wealth Management shall be solely on an offshore basis. You shall ensure that you have and will continue to be fully compliant with all applicable laws in Myanmar when entering into discussion or contracts with Envysion Wealth Management

Oman: This document does not constitute a public offer of investment, securities or financial services in the Sultanate of Oman, as contemplated by the Commercial Companies Law of Oman (Royal Decree No. 4/1974), Banking Law of Oman (Royal Decree No. 114/2000) or the Capital Market Law of Oman (Royal Decree No. 80/1998) and the Executive Regulations of the Capital Market Law (Ministerial Decision No. 1/2009) or an offer to sell or the solicitation of any offer to buy non-Omani investment products, securities or financial services and products in the Sultanate of Oman. It is being provided to a limited number of sophisticated investors solely to enable them to decide whether or not to make an offer to invest in financial products mentioned in this document, outside of the Sultanate of Oman, upon the terms and subject to the restrictions set out herein and may not be reproduced or used for any other purpose or provided to any person other than the original recipient. Additionally, this document is not intended to lead to the making of any contract within the territory or under the laws of the Sultanate of Oman. The Capital Market Authority of Oman and the Central Bank of Oman take no responsibility for the accuracy of the statements and information contained in this document or for the performance of the financial products mentioned in this document nor shall they have any liability to any person for damage or loss resulting from reliance on any statement or information contained herein.

Russia: The investment products mentioned in this document have not been registered with or approved by the local regulator of any country and are not publicly distributed in Singapore or elsewhere. This document does not constitute or form part of an offer or invitation to the public in any country to subscribe to the products referred to herein.

South Korea: The document does not constitute an offer, solicitation or investment advertisement to trade in the investment product referred to in the document

Taiwan: The provision of the information and the offer of the service concerned herewith have not been and will not be registered with the Financial Supervisory Commission of Taiwan pursuant to relevant laws and regulations of Taiwan and may not be provided or offered in Taiwan or in circumstances which require prior registration or approval of the Financial Supervisory Commission of Taiwan. No person or entity in Taiwan has been authorized to provide the information and to offer the service in Taiwan.

Thailand: Please note that none of the material and information contained, or the relevant securities or products specified herein is approved or registered in Thailand. Interests in the relevant securities or products may not be offered or sold within Thailand. The attached information has been provided at your request for informational purposes only and shall not be copied or redistributed to any other person without the prior consent of Envysion Wealth Management or its relevant entities and in no way constitutes an offer, solicitation, advertisement or advice of, or in relation to, the relevant securities or products by Envysion Wealth Management or any other entities in Envysion Wealth Management in Thailand.

The Philippines: The information contained in this document is not intended to constitute a public offering of securities under the Securities Regulation Code of the Philippines.

Dubai International Financial Center (DIFC): Envysion Wealth Management is not a financial institution licensed in the Dubai International Financial Centre (“DIFC”) or the United Arab Emirates outside of the DIFC and does not undertake banking or financial activities in the DIFC or the United Arab Emirates nor is it licensed to do so.

United Kingdom: In the United Kingdom, this document is being made available only to the person or the entity to whom it is directed being persons to whom it may lawfully be directed under applicable laws and regulations of the United Kingdom (such persons are hereinafter referred to as ‘relevant persons’). Accordingly, this document is communicated only to relevant persons. Persons who are not relevant persons must not act on or rely on this document or any of its contents.

United Arab Emirates (U.A.E): The offering of certain products in this document has not been and will not be registered with the Central Bank of United Arab Emirates or Securities & Commodities Authority in the United Arab Emirates. Any products in this document that are being offered or sold do not constitute a public offering or distribution of securities under the applicable laws and regulations of the United Arab Emirates. This document is not intended for circulation or distribution in or into the UAE, other than to persons in the UAE to whom such circulation or distribution is permitted by, or is exempt from the requirements of, the applicable laws and regulations of the United Arab Emirates. The distribution of the information contained herein by the recipient is prohibited. Where applicable, this document relates to securities which are listed outside of the Abu Dhabi Securities Exchange and the Dubai Financial Market. Envysion Wealth Management is not authorized to provide investment research regarding securities listed on the exchanges of the United Arab Emirates.

United States of America: This product may not be sold or offered within the United States or to U.S. persons.

If you are reviewing this site from other countries and need information, please contact Envysion Wealth Management in your country of residence.

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