TERMS OF USE

These Terms of Use were last updated on 1 October 2019.

1. Introduction
   1. These Terms of Use are provided by Affirma Capital Limited and its affiliates (collectively, “Affirma Capital”). These Terms of Use govern the modalities relating to access to and use of Affirma Capital's websites, intranet, online and investor portals and mobile applications (collectively, “Online Sites”).
   2. By interacting and accessing our Online Sites, you acknowledge and agree to be bound by these Terms of Use which govern the use of the Online Sites; and our Data Privacy Notice (https://www.affirmacapital.com/privacy.html), each of which may be updated by us from time to time in our sole and absolute discretion. You are responsible for being aware of the latest version of the Terms of Use posted on the Online Sites during each session.
   3. The terms "you" and "user" shall mean any visitor to or user of the Online Sites.
   If you do not agree to these Terms of Use, please do not access or use the Online Sites. You are responsible for compliance with all applicable laws and regulations in any jurisdiction. You are strictly prohibited from unauthorised use of our Online Sites.
   4. You shall not, nor shall you encourage or assist others to, violate any law, rules or regulations, or attempt to violate the security of the Online Sites; or use our Online Sites to gain access to the identities or information of others through our Online Sites.
   5. Affirma Capital has the right, but not the obligation, to monitor, record or track the Online Sites for any unauthorised or objectionable conduct and to take all appropriate actions in response, without notice to you. By accessing and using our Online Sites, you expressly consent to such monitoring, recording and tracking by us for the foregoing purposes.
   6. Affirma Capital may at any time revoke your right to use all or any part of our Online Sites. Affirma Capital may investigate any complaint in relation to or suspected violation of these Terms of Use. Affirma Capital may report any activity relating to the Online Sites to law enforcement officers, regulators or other persons or entities anywhere in the world as it deems appropriate in its sole and absolute discretion.
2. Ownership of Materials, Restrictions of Use, Etc.
   Ownership of Materials
   1. All content and information, including but not limited to all design, trademarks, logos, copyrights, images and other intellectual property available on or through our Online Sites (collectively, “Materials”) are, except as otherwise expressly stated, owned by Affirma Capital.
   Restrictions on Use
   2. Subject to the applicable laws, the Materials shall not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored or otherwise used in whole or in part in any manner without the prior written consent of Affirma Capital.
   3. You may download the Materials and print a copy of the Materials for your personal, non-commercial use. In doing so, you shall not remove any copyright or other notices or legends contained in such Materials; nor shall you alter or modify the Materials in your copies.
   4. You shall not interfere with the functioning of the Online Sites nor shall you restrict or inhibit others from using the Online Sites. You shall not transmit any worm, virus, time bomb or similar system corruptant or interference through the Online Sites.
   5. You shall not copy, distribute or modify any part of the Online Sites; nor exploit any of the Materials commercially nor forward them as a mass distribution, nor post them on another site or otherwise. You shall not delete, reverse engineer, decompile, decompose, disassemble or otherwise deconstruct all or any part of our Online Sites.
   6. If you link other websites to our Online Sites, you shall not imply or suggest that Affirma Capital is affiliated or has endorsed such websites. You shall not display our Online Sites as "framed" within another website.
3. Website Content and Materials etc.
   Website content and materials
   1. Our Online Sites are for general information purposes only. The information and content on our Online Sites is believed to be reliable. However, we do not warrant the completeness, accuracy, reliability or suitability of the information available on our Online Sites.
   2. Under no event should any information or content on our Online Sites be construed or used as an offer to sell, or to solicit an offer to buy, any securities, financial instruments, investments or other services.
   3. Our Online Sites do not provide specific investing advice or strategies to any individual or person. The investments and strategies discussed on our Online Sites may not be suitable for all investors and are not obligations of, or guaranteed by, Affirma Capital.
   4. Nothing on our Online Sites constitutes investment, accounting, tax, legal, professional or other advice nor shall it be relied on in making investment or other decisions. All decisions made are the sole responsibility of the user; and Affirma Capital shall not be liable for any action you take or decision you make in reliance on any Materials.
   Please seek the advice of professionals as necessary in relation to the evaluation of any content on the Online Sites. If you require investment, accounting, tax, legal, professional or other advice, you should consult with your own financial advisors, accountants, tax advisors, attorneys or professional advisers for independent advice.
   5. The investments made with Affirma Capital are not bank deposits and are not insured by any governmental organisation or agencies. All investments made with Affirma Capital are subject to investment risks.
   6. Affirma Capital will not treat users of the Online Sites as its customers, clients, partners or investors by virtue of their accessing or using the Online Sites.
   Forward Looking Statements
   7. Our Online Sites may contain forward-looking statements, which reflect our current views with respect to, among others, our businesses or investments.
   8. Forward-looking statements are subject to risks and uncertainties and are not intended to be relied upon under any circumstances. Accordingly, there may be factors that cause actual outcomes or results to differ materially. We are not obliged to publicly review or update any forward-looking statement, either as a result of new information, developments or otherwise.
4. International Use
   1. The Online Sites are operated and controlled by Affirma Capital in Singapore. The Materials available through the Online Sitesis, unlessspecified otherwise, directed at residents of Singapore. We make no claim that the content of the Online Sites may be appropriate or viewed or used outside Singapore.
   2. Access to Online Sites from territories where such access is illegal is prohibited.
   3. We make no representations that the transactions or materials discussed on or accessible through the Online Sites are available or appropriate for sale or use in all jurisdictions. Users who access the Online Sites from outside Singapore do so at their own initiative and risk and such users are responsible for compliance with all applicable laws, rules and regulations.
5. Linked Sites & Transmission to and from Online Sites
   1. Links to unaffiliated third party websites are solely provided as pointers to information on topics that may be useful to users of the Online Sites; and does not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such unaffiliated third party websites.
   2. Affirma Capital has no control over and shall not be responsible for the content on such unaffiliated third party websites; nor do we review or monitor any unaffiliated third party website linked from or to the Online Sites. In addition, these third party unaffiliated websites may have privacy policies or security practices different from our Online Sites.
   3. Affirma Capital disclaims and excludes any and all responsibility, obligations or liability for the completeness, accuracy, reliability or suitability of unaffiliated third party websites linked from the Online Sites; nor do we warrant that such site or content is free from any claims of or infringement of third party rights or that such sites are devoid of viruses or other contamination.
6. Password and Security Notifications
   1. Certain areas of our Online Sites are password-protected. You shall not attempt to access any password-protected areas without authorisation. If you have been provided a password by Affirma Capital, you agree that you have been granted limited access to specific files relevant to you, and you shall not attempt to access other computer files.
   2. All information that Affirma Capital provides to users of the Online Sites is confidential and intended solely for the information of its intended user. You are responsible for maintaining the confidentiality of your passwords, account information and user names, and for logging off when you finish a session.
   3. You shall notify Affirma Capital immediately in writing if the security of your account has been comprised or if you become aware of its unauthorised use. You shall not share your password with a third party and assume responsibility for all activity on the Online Sites relating to your account.
7. Limitation of Liability and Disclaimers
   1. Affirma Capital and their respective directors, officers, managers, employees, partners, shareholders, members and agents (collectively Related Persons) make no warranties or representations; and disclaim any and all warranties of any kind with respect to the Online Sites and their content.
   2. In no event shall Affirma Capital or its Related Persons be liable to any party for any claims, liabilities, losses, costs or damages under any theory, including but not limited to any direct or indirect damages arising in connection with any access, use (or inability to use) or distribution of the Online Sites, or any content therein.
8. Governing Law
   1. These Terms of Use shall be governed by and construed in accordance with the laws of Singapore.
   2. You agree to submit to the exclusive jurisdiction of the Singapore courts.