Disclaimer

Investment Products Disclaimer:

The contents of this webpage are for general information only and does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices. 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. You should read the relevant prospectus before deciding whether to invest in a unit trust. Investments in unit trusts are not obligations of, deposits in, or guaranteed by, Standard Chartered Bank (Singapore) Limited (“SCBSL”) or its affiliates. An investment in unit trusts is subject to investment risks, including the possible loss of the principal amount invested. The value of and the income from the unit trusts may fall as well as rise. Unit trusts are not available to US Persons. There is no assurance from SCBSL (or otherwise) that at maturity, the return on the structured product will be equal to or greater than any potential return, including dividend income, that you may have earned on a direct investment in the reference asset(s) or in a bank deposit or non-structured fixed coupon bond. As the payment mechanics and terms of the structured product are not variable, you should note that even if your view of the direction of the reference asset(s)’ performance is correct, you will not gain more than the amount specified under such payment mechanics and terms.

You are fully responsible for your investment decision, including whether any of the investment products described herein, the SC Online Trading service or the LiveFX service is suitable for you. The products / services involved are not principal-protected and you may lose all or part of your original investment amount.

Insurance Product Disclaimer:

The contents of this webpage are for general information only and it does not constitute an offer, recommendation, solicitation of an offer to enter into any transaction, including to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. This email has not been prepared for any particular person or class of persons and it has been prepared without regard to the specific investment or insurance objectives, financial situation or particular needs of any person. You should seek advice from a licensed or an exempt financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase any product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.

 
This email describes the insurance products and services provided by certain insurer(s) in alliance with Standard Chartered Bank (Singapore) Limited (“SCBSL”). This email does not constitute a contract of insurance and reference should be made to the respective policies 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 respective insurer(s). All insurance products described in this email are products of and underwritten by the respective insurer(s) and not SCBSL. In facilitating insurance arrangements or in referring customers to the respective insurer(s), SCBSL is acting as a distributor in alliance with the respective insurer(s) and not as an agent for customers. SCBSL shall not be liable in any manner whatsoever regarding your application or the contract of insurance.

Additionally, in relation to life insurance, buying a life insurance policy is a long-term commitment. An early termination of the life policy usually involves high cost and the surrender value payable (if any) may be less than the total premiums paid.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. If, after purchasing the policy, you decide that the policy is not suitable for you, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by them in underwriting the policy.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for your policy is automatic and no further action is required from you. For more information, on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact the respective insurers or  visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

The contents of this webpage are, exclusive to staff of the Standard Chartered Group in Singapore, to be kept informed of the Bank’s activities and promotions.