Please carefully read this Disclaimer before you use this Website. If you do not agree with the conditions of use herein, please exit this Website. By using or adopting any information on this Website, your consent to these conditions of use together with any subsequent updates or amendments thereof will be deemed as given. You should therefore periodically visit this page to review the then current conditions of use to which you are bound.

Under no circumstances may the information contained in this Website be copied or redistributed.

Your use of this Website is wholly at your own risk. This Website is provided on an "as is" basis with no representation, guarantee or agreement of any kind as to its functionality.

We may from time to time need to make some changes to the information on the Website to reflect changes to our products and services. We reserve the right to do so. Such changes may include removing or altering any content on the Website as well as the withdrawal or variation, of any of the products or services available from or provided by SESG, in all cases for any reason and without notice. Any changes shall take effect from the date of publication on the Website.

No Offer, Solicitation or Recommendation of Financial Services or Products

1. Making available information about products or services on this Website does not constitute an offer, solicitation or recommendation of any products or services provided by SESG Group Company Limited together with its subsidiaries ("we", "us", "our" and collectively referred to as “SESG”). The information provided on this Website is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Website shall not be considered as communicating:
   1. any invitation or inducement to engage in lending, investment or insurance activity; or
   2. any offer or solicitation to buy insurance outside any jurisdiction where we are licensed or authorized to perform such activities.
2. Products or services you may view on or through this Website may not be registered or authorized by any central bank, governmental or regulatory authority in your place of residence or location. Accordingly, you may not be protected by the securities laws, banking laws, insurance laws or other relevant laws and regulations of your place of residence or jurisdictions with respect to products or services you may view on or through this Website.
3. We do not represent that any securities, insurance products or services you may view on or through this Website are suitable for you or any particular person. You acknowledge that:
   1. neither we nor any other member of SESG have solicited your use of this Website or any request for information you have made as a result of using this Website; and
   2. any information provided on this Website does not constitute and should not be considered as investment, financial, tax or professional advice. You should obtain your own independent investment, financial, tax and professional advice as appropriate.

Transmitting over the Internet

1. We endeavor to ensure the security of your data transmitted via this Website  through the use of encryption technologies. Additionally, by using this Website, you acknowledge and agree that internet transmissions are never completely private or secure. You understand that any messages or information you send using this Website may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.
2. Communications via the internet may be affected by factors beyond SESG’s reasonable control, including but not limited to a breakdown or failure of communication facilities, inherent technological deficiencies, network traffic congestion or any blockage or interruption, delay, corruption or interception of such communication. You agree that the above factors may cause the following to happen:
   1. failure or delay in all or any part in SESG’s receipt of your instructions;
   2. failure or delay in the execution of these instructions;
   3. execution of instructions at the prices/rates different from those prevailing at the time these instructions were given; or
   4. inability to execute instructions at particular quoted prices/rates or at any “at best” or “at market” prices/rates.
3. You further acknowledge and agree that there are risks of interception of instructions from you as well as errors in any communication of instructions sent to or received from SESG and it is not usually possible to cancel an instruction after it has been given by you even under such circumstances.
4. We will not be liable to you for any incompleteness, suspension, failure, interruption or delay in the services that will be provided through this Website, in part or in full, due to any factors not under our reasonable control and the consequences of which would have been unavoidable despite all efforts to the contrary.
5. We cannot guarantee that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer, mobile phone or other devices for accessing the internet (“device”). We are not responsible for any losses or damages that you may suffer as a result of this. You are solely responsible for ensuring adequate protection and back-up of the device and/or any data within such device, taking reasonable and appropriate precautions against computer viruses or other destructive properties and for preventing the transmission of any computer viruses to your device.

Linked Websites

1. SESG may include hyperlinks to websites of system providers or other members of SESG for your convenience. The products and services offered on these websites may be limited to persons located or residing in only that particular jurisdiction. In addition, the content on these linked websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content. The terms and conditions governing the use of the website of each SESG entity may differ and you should consult and carefully read the applicable terms and conditions before using the website.
2. This Website may be linked to other third party websites through hyperlinks. Your use of such websites is wholly at your own risk. You understand that the content, accuracy or opinions provided by such third party websites or the links to other websites have not been examined, verified, or approved by SESG and that SESG does not give any assurance or guarantee and makes no warranty or representation as to the availability or the continued availability, timeliness, suitability, correctness, reliability or completeness of any content in these third party websites.
3. Before accessing these third party websites, please review the terms and conditions, privacy and cookie policies of these websites to understand how the use of that website may affect you.
4. SESG will not bear liability for any loss or damage arising from the use, presence of, suspension, disruption and/or other non-availability of any content or services provided by these third party websites or service providers. Your interaction with the aforementioned, including the provision of any information thereto or any transaction therewith, will be entirely at your own risk and your sole responsibility. You will also be deemed to have waived absolutely your recourse to SESG for any loss or damage suffered as a result of browsing or accessing any third party websites or using any services provided by third party service providers through this Website.

Version: November 2022