A. TERMS OF USE

 

1. General

 

Your access and use of our website are governed by our Terms of Use (under this Section A) and Privacy Policy (under Section B below). By accessing and using our website, you accept and agree to be bound by our Terms of Use and Privacy Policy. If you do not accept our Terms of Use and Privacy Policy, you must not access or use our website.

 

2. Update

 

Hapi Wealth Builder Pte. Ltd. and its affiliates (collectively "Hapi Wealth Builder", "we", "us" or "our") may, from time to time and at our sole and absolute discretion, change our Terms of Use and Privacy Policy, without prior notice. The updated Terms of Use and Privacy Policy will take effect when they are uploaded to our website. Please review our Terms of Use and Privacy Policy regularly when you access our website to ensure you are aware of any changes made. Your continued use of our services and website following the updates to our Terms of Use and Privacy Policy shall constitute your consent to such updates.

 

3. Informational Purpose Only

 

The information contained in our website is provided by Hapi Wealth Builder for general guidance on matters of interest only. It is not intended to be, nor shall it be construed as, an offer, or solicitation of an offer, to buy or sell an interest in Hapi Wealth Builder. The information provided is not intended to replace or serve as substitute for any professional advice, consultation or services. Before making any decision or taking any action, you should consult a professional.

 

4. Disclaimer

 

In preparing this website, we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was otherwise reviewed by us. While the information provided herein is believed to be reliable, given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in our website. We do not guarantee or warrant our website will be uninterrupted, without delay, error-free, omission-free, free of viruses and/or other harmful elements. All information in our website is provided “as is” without warranties of any kind, express or implied, including accuracy, timeliness, completeness, non-infringement or fitness for any particular purpose. 

 

In no event shall Hapi Wealth Builder or any of its respective partners, agents or employees be liable for any damage or loss of any kind, whether directly or indirectly, without regard to the form of any action, including, but not limited to, contract, negligence or other tortious actions, arising out of or in connection with our website, any content on or accessed by use of our website, or any copying, display or other use.

 

5. Risk Warning

 

5.1 Investment involves risks. The value of investments and the income from such investments may rise as well as fall.

 

5.2 The services offered by us may not be suitable for all investors. Investors should make your own investment decisions based on your own financial objectives and financial resources and, if in any doubt, should seek advice from an independent investment advisor.

 

5.3. Information on past performance, where given, is not necessarily a guide to future performance.

 

5.4. The advice and information given by us are not to be construed as a solicitation, recommendation, endorsement or an offer to purchase or sell investments or related financial instruments. This has no regard for the specific investment objectives, financial situation or needs of any specific investor.

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5.5. To the extent permitted by law, we accept no liability whatsoever for any direct, indirect or consequential losses or damages arising from or in connection with the use or reliance of the advice and information given.

 

6. Forward Looking Statements

 

The statements contained herein may contain certain forward-looking statements relating to Hapi Wealth Builder that are based on the performance and results during the past years, beliefs of our management as well as assumptions made by and information presently available to our management. These forward-looking statements are, by their nature, subject to significant risks and uncertainties. These forward-looking statements include, without limitation, statements relating to our business prospects, future developments, trends and conditions in the industry and geographical markets in which we operate, our strategies, plans, objectives and goals, our ability to control costs, statements relating to prices, volumes, operations, margins, overall market trends, risk management and exchange rates.

 

When used herein, the words “anticipate”, “believe”, “could”, “estimate”, “expect”, “going forward”, “intend”, “may”, “ought to”, “plan”, “project”, “seek”, “should”, “will”, “would” and similar expressions, as they relate to our management, are intended to identify forward-looking statements. These forward-looking statements reflect our views at the time such statements were made with respect to future events and are not a guarantee of future performance or developments. You are strongly cautioned that reliance on any forward-looking statements involves known and unknown risks and uncertainties. Actual results and events may differ materially from information contained in the forward-looking statements as a result of a number of factors, including any changes in the laws, rules and regulations relating to any aspects of our business operations, general economic, market and business conditions, including capital market developments, changes or volatility in interest rates, foreign exchange rates, equity prices or other rates or prices, the actions and developments of our and the effects of competition in the industry on the demand for, and price of, our products and services, various business opportunities that we may or may not pursue, our ability to identify, measure, monitor and control risks in our business, including its ability to manage and adapt its overall risk profile and risk management practices, its ability to properly price its products and services and factors beyond our control. We do not intend to update or otherwise revise such forward-looking statements, whether as a result of new information, future events or otherwise. As a result of these and other risks, uncertainties and assumptions, forward-looking events and circumstances discussed herein might not occur in the way we expect, or at all. Accordingly, you should not place reliance on any forward-looking information or statements. All forward-looking statements herein are qualified by reference to the cautionary statements set forth in this section.

 

7. Copyright

 

All our rights are reserved. The information and materials on our website may be protected under intellectual property laws and rights (including without limitation laws protecting copyright). It is your responsibility to determine whether any infringement will occur if you download, copy, transmit, publish, store or otherwise use or deal with the information contained in our website without our prior consent.

 

8. Trademark

 

The company name, Hapi Wealth Builder Pte. Ltd. and the company logo and all related names, logos, product and service names, designs, and slogans are either already registered or pending registration with trademark offices around the world. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on our website may be the trademarks of their respective owners.

 

9. Prohibited Conduct

 

While accessing our website, you shall not do any of the following:

 

a. Post, transmit or otherwise make available through our website any materials that are or may be: (i) threatening, harassing, degrading, hateful or intimidating, or otherwise fail to respect the rights and dignity of others; (ii) defamatory, libellous, fraudulent or otherwise tortious; (iii) obscene, indecent, pornographic or otherwise objectionable; or (iv) potentially harmful or invasive or intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment, such as a virus, worm, Trojan horse, Easter Egg, time bomb, spyware or other computer code, file or program (each, a “Virus”).

 

b. Post, transmit, or otherwise make available through our website any material protected by copyright, trademark, trade secret, right of publicity or privacy or any other proprietary right, without the express prior written consent of the applicable owner.

 

c. Use our website for any commercial purpose or otherwise use our website for processing data or other information on behalf of any third party.

 

d. Use our website for any purpose that is fraudulent or otherwise tortious or unlawful.

 

e. Interfere with or disrupt the operation of our website or the servers or networks used to make our website available, including by hacking or defacing any portion of any of our website; or violate any requirement, procedure or policy of such servers or networks.

 

f. Restrict or inhibit any other person from using our website.

 

g. Create or share content without first obtaining any necessary permissions from third parties or otherwise use our website to post or transmit any information that you do not have the right to provide; that would violate any applicable law or regulation; or that would violate, infringe or misappropriate any third party right or interest.

 

h. Reproduce, modify, adapt, translate, create derivative works of, sell, rent, lease, loan, timeshare, distribute or otherwise exploit any portion of (or any use of) our website except as expressly authorised herein, without our express prior written consent.

 

i. Reverse engineer, decompile or disassemble any portion of any of our website, except where such restriction is expressly prohibited by applicable law.

 

j. Remove or alter any copyright, trademark or other proprietary rights notice on our website or content you access via our website.

 

k. Frame or mirror any portion of our website, or otherwise incorporate any portion of our website into any product or service, without our express prior written consent.

 

l. Systematically download and store the content of our website.

 

m. Use any robot, spider, our website’s search application or other manual or automatic device to (i) retrieve, index, “scrape,” “data mine” or otherwise gather content from our website, (ii) reproduce or circumvent the navigational structure or presentation of our website, or (iii) harvest or collect information about users of our website without our express prior written consent.

 

10. Right of Access

 

If you do not comply with our Terms of Use and Privacy Policy (or if we have reasonable grounds to suspect or are investigating suspected non-compliance), we may, at any time, suspend your access to our website or take any other steps we consider appropriate.

 

B. PRIVACY POLICY

 

1. General

 

Hapi Wealth Builder is dedicated to protecting the confidentiality and privacy of information entrusted to us. This Privacy Policy describes how we may collect, use, disclose, process and manage your personal information, personal data or personally identifiable information (“Personal Information”) in the course of our business, including our websites, services and products.

 

2. What Information We Collect

 

We may collect your Personal Information that we require in order for us to provide our services to you, including, but not limited to the following:

 

a. Personal details (e.g. name, contact details, residential address, personal email address, bank account number, national registration identity card, passport or other identification number (to the extent permissible or required by law));

 

b. Images and biometrics (e.g. photos, our conversations with you, using fingerprint mapping and facial recognition for verification or other purposes);

 

c. Other electronic data or information relating to you through your usage of our products and services or as part of their delivery to you (e.g. location data, IP address, activity logs, cookies, device carrier, operating system, connection type); and

 

d. Any other information relating to you which you have provided us in any forms you may have submitted to us, or in other forms of interaction with you.

 

You may, however, visit our website anonymously. We will collect your Personal Information only if you voluntarily submit such information to us. You can always refuse to supply Personal Information, but it may prevent you from engaging in certain website related activities.

 

3. How We Collect Your Personal Information

 

We may collect your Personal Information in the following ways:

 

a. When you access our website, use our products or services, app downloads or interact with us via social media platforms or any of our online and/or digital services;

 

b. When you enter into any agreement or provide other documentation or information in respect of your interactions with us or when you use our services;

 

c. When you submit forms, applications, requests or feedback to us;

 

d. When you submit your Personal Information to us for any other reasons; and

 

e. If you provide us with any Personal Information relating to a third party (e.g. information on your spouse, children, parents and/or employees), by submitting such information to us, you represent to us that you have obtained their consent to provide us with their Personal Information for the respective purposes.

 

We rely on you and assume that you have ensured that all Personal Information submitted to us is complete, accurate, true and correct. You shall update us in a timely manner of all changes to the Personal Information provided to us.

 

You agree to keep us fully indemnified from and against any and all damages, losses, costs, legal fees (solicitor-client basis), penalties, and proceedings, including any penalties or other amounts levied, imposed or charged by any regulator or regulatory authority, arising out of or in connection with your (or those of your officers, employees, advisors, agents and representatives) acts or omission, fault or negligence in performing these obligations or which results in us breaching relevant laws.

 

4. How We Use Your Personal Information

 

We may collect, process and use your Personal Information for the following purposes:

 

a. Performing our obligations under a contract.

 

b. Assessing and processing applications, instructions or requests from you.

 

c. Verifying your identity before providing our services or responding to your queries, feedback, complaints and/or requests.

 

d. Complying with any applicable rules, laws, regulations, directives, orders, codes of practice or instructions issued by any legal or regulatory bodies and law enforcement authorities.

 

e. Managing our day-to-day business operations and complying with internal policies and procedures.

 

f. Where it is in our legitimate interest in running a lawful business to do so to further the business as long as it does not outweigh your interests. For example:

 

i. Offering information and/or services to the visitors of our website;

 

ii. Preventing fraud or criminal activity and safeguarding our IT systems;

 

iii. Customising your online experience and improving the performance usability and effectiveness of our online presence;

 

iv. Conducting and analysing our marketing activities;

 

v. Meeting our corporate and social responsibility obligations; and

 

vi. Conducting research, survey and/or business analysis to improve our products and services and enhance business strategies.

 

g. In some cases, we will ask for your specific permission to process some of your Personal Information, and we will only process such Personal Information if you agree to us doing so.

 

5. Sharing and Transfer of Your Personal Information

 

Your Personal Information may be collected, used, shared, transferred and/or disclosed to the following entities, for the abovementioned purposes, where required to do so by law or in the good faith belief that such disclosure is reasonably necessary:

 

a. Our related corporations, affiliates and associated companies;

 

b. Anyone to whom disclosure is necessary to provide our services to you or in the management, operation and administration of our business in any of the countries in which we operate and who are similarly bound to hold your data in confidence;

 

c. Our professional advisers such as consultants, auditors and lawyers;

 

d. Any credit bureau, or in the event of default or disputes, any debt collection agencies or dispute resolution centres;

 

e. Anyone to whom we transfer or may transfer our rights and duties;

 

f. Relevant government ministries, regulators, statutory boards, authorities or law enforcement agencies to comply with any laws, rules, guidelines and regulations or schemes imposed by any governmental authority;

 

g. Any other person in connection with the purposes set forth above; or

 

h. Any other person where disclosure has been otherwise authorised, agreed or consented to by you.

 

6. Security

 

We have appropriate security policies and procedures in place to protect and safeguard your Personal Information from unauthorized access, loss, misuse, alteration or destruction. You hereby acknowledge and consent that we may make use of any cloud services which may be managed by a third party service provider. While we take reasonable efforts to maintain the confidentiality and security of your Personal Information, however, we do not guarantee that any Personal Information that is transmitted or stored electronically is completely secure.

 

Access to your Personal Information is on a strictly need-to-know basis. Those individuals who have access to your Personal Information are required to maintain the confidentiality of such Personal Information.

 

7. Retention of Your Personal Information

 

We make reasonable efforts to retain Personal Information only for so long (a) as such information is necessary to fulfil the purposes for which it was collected; (b) as necessary to comply with legal, regulatory, internal business or policy requirements; or (c) until such information is asked to be deleted.

 

Reasonable steps will be taken to delete, destroy or anonymize your Personal Information when it is no longer necessary for any of the purposes above.

 

8. Websites

 

8.1. Our website uses cookies. By accessing our website, you consent to our use of cookies which will provide you with a more personalised experience. You may choose to reset your browser to refuse all cookies or to alert you when a cookie is being sent. However, please note that some portions of our website may not work properly if you elect to refuse cookies.

 

8.2. We may use Google Analytics to analyse the use of our website. Google Analytics generates information about website use by means of cookies, which are stored on the users’ computers. The information generated relating to our website is used to create reports about the use of our website. Google will store this information. If you want to opt out of Google Analytics, you may download and install the add-on for your web browser by clicking the following link:  https://tools.google.com/dlpage/gaoptout.

 

8.3. We may include third party links on our website for your convenience and information, and those linked sites may not operate under this Privacy Policy. Therefore, we have no responsibility or liability for the content of those linked sites and encourage you to review the privacy policy of such linked sites before disclosing any Personal Information.

 

8.4. We may collect and use the geographical location of your computer or mobile device. This location data is collected for the purpose of providing you with information regarding services which we believe may be of interest to you based on your geographic location, and to improve our location-based products and services.

 

8.5. Our website may include functionality to enable sharing via third party social media applications. These social media applications will collect and use information regarding your use of our website. Any Personal Information that you provide via such social media applications will often be collected and used by other members of that social media application and such interactions are governed by the privacy policies of the companies that provide the application. We do not have control over, or responsibility for, those companies or their use of your information.

 

8.6. Our website may host blogs, forums, crowd-sourcing and other applications or services (collectively "Social Media Features"). The purpose of Social Media Features is to facilitate the sharing of content and knowledge. Any Personal Information that you provide on any Social Media Feature may be shared with other users of that Social Media Feature unless otherwise stated at the point of collection, over whom we often have limited or no control.

 

9. Virtual Events (Where Applicable)

 

In addition to and without affecting the generality of the other provisions of this Privacy Policy, this section shall apply in relation to virtual events such as, but not limited to, webinars, video conferences, virtual meetings and workshops, where applicable (“Virtual Events”).

 

a. In the course of Virtual Events, visual and/or audio recordings of you, including, but not limited to photographs, videos, images and recordings of interviews, may be carried out by us for the purposes of record and/or post-event publicity on our website, social media platforms, and/or any other publications such as newsletters, any third party’s website, social media platforms and/or other publications approved by us. By participating in these Virtual Events, you consent to the collection, use and disclosure by us of any visual and audio recordings taken of you during such Virtual Events for the abovementioned purposes.

 

b. By participating in our Virtual Events, you release Hapi Wealth Builder, its officers, employees, and each and all persons involved, from any liability connected with the taking, recording or publication of the said visual and/or audio recordings.

 

c. The Virtual Events and any of their recordings are to be viewed by the registrant only. Unless otherwise indicated, Hapi Wealth Builder and/or the Virtual Event presenter(s) own the copyright for all content presented, referenced or otherwise used in the Virtual Event. The Virtual Events (and any content therein) must not be recorded, reproduced, modified, redistributed and/or republished in any way (in whole or in part) without the prior written consent of Hapi Wealth Builder and/or the Virtual Event presenter(s).

 

10. Acceptance

 

We recognize our responsibilities in relation to the collection, holding, processing, use and disclosure of Personal Information. The provision of your Personal Information is voluntary. You may choose not to provide us with the requested Personal Information, but failure to do so may inhibit our ability to provide services to you.

 

11. Contact Us

 

If you have any questions about this Privacy Policy, you may drop us a message at the “Contact” page in our website.

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