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Terms and Conditions


Investment Products:

This document does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy. It has not been prepared for any particular person or class of persons and does not constitute and should not be construed as investment advice nor an investment recommendation. It has been prepared without regards to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a financial adviser on the suitability of an investment for you, taking into account these factors before making a commitment to invest in an investment. Investment products are not deposits and each of the investment products mentioned does not qualify as an insured deposit under the Singapore Deposit Insurance and Policy Owners’ Protection Schemes Act 2011.

Insurance Products:

All insurance policies are underwritten by the respective insurer and not Standard Chartered Bank (Singapore) Limited (“the Bank”). This document describes insurance products and services provided by respective insurers in alliance with the Bank. This document does not constitute an offer, recommendation, solicitation to buy or sell any insurance product or service nor is it intended to provide insurance or financial advice. This document is not a contract of insurance and reference should be made to the policy for the exact terms and conditions applicable to the insurance policy, which will be sent to you upon the acceptance of your application by the insurer. All insurance products described in this document are products of and underwritten by the respective insurer and not the Bank. In facilitating insurance arrangements or in referring customers to the respective insurers, the Bank is acting in alliance with the insurers and not as an agent for customers. The Bank shall not be liable in any manner whatsoever regarding your application or the contract of insurance.

The Bank does not accept any responsibility regarding any statement made in, omission or inclusion of any provisions of, the contract of insurance nor shall the Bank be held liable in any manner whatsoever in respect of your application or the contract of insurance.

Buying an insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value payable may be less than the total premiums paid.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.