This disclaimer governs your use of the website of P.O.L.I.C.Y. Limited (the ‘Website’). By accessing, using, viewing, transmitting, caching or storing the Website or any of its services, functions or contents, you shall be deemed to have irrevocably and unconditionally agreed to each and all of the terms and conditions of this disclaimer without modification. If you do not agree with the terms and conditions of this disclaimer, please cease use of the Website and leave the Website immediately.

Use of the Website

The contents of the Website are provided by P.O.L.I.C.Y. Limited for informational purposes only. Any views or opinions expressed on the Website are not intended to be exhaustive and do not constitute any form of inducement, investment advice or an offer or invitation to buy or sell any securities, financial products or instruments in any of the investments mentioned on the Website.

Many of the investment products mentioned on the Website involve significant risks and do not have regard to the specific investment objectives and financial situation of any person who may access the Website. Any person considering an investment or dealing in any of the investments mentioned on the Website should first consult the investments’ offering documents before transacting. Investors must evaluate all risks involved and seek independent financial advice before entering into any transaction. Any investment product is suitable only for investors who can evaluate and afford all risks involved.

Any views stated in the Website regarding future prospects (forward looking statements) may not be realised and may be subject to change. Investors should note that the performance returns in any investment may rise or fall and that past performance is not a guide to future performance.

Modification to the Website

P.O.L.I.C.Y. Limited reserves the right to modify the contents of the Website at any time, whether temporarily or permanently without notice. This may mean that the Website is unavailable from time to time. However, P.O.L.I.C.Y. Limited accepts no responsibility for and will not be liable for any claims, penalties, loss, damages or expenses arising from the use or the inability to use the Website or from any unauthorised access or alteration to the Website by a third party.

Limitation of Liability

The information on the Website is provided by P.O.L.I.C.Y. Limited without obligation and on the understanding that any person who acts upon it or otherwise changes his position in reliance thereon does so entirely at his own risk. P.O.L.I.C.Y. Limited expressly disclaims any liability for any special, incidental or consequential damages, including without limitation, lost revenues, or lost profits, resulting from the use or misuse of the information on the Website.

Although every effort has been made for the contents of the Website to be complete and accurate, P.O.L.I.C.Y. Limited does not warrant the accuracy, validity, timeliness or completeness of the materials provided herein, either expressly or impliedly, for any particular purpose and expressly disclaims any warranties of merchantability or fitness for a particular purpose.

By using the Website, you assume all risks associated with its use, including any risk to your computer, software or data being damaged by a virus, software or any other files which might be transmitted or activated via the Website.

Neither P.O.L.I.C.Y. Limited nor any of its directors, officers, employees, and/or agents of P.O.L.I.C.Y. Limited will be liable for any direct or indirect loss or damage that you may incur as a result of any malfunction of the Website, unlawful access to or theft of confidential data contained therein, computer virus, or resulting from the act or omission of any third party involved in making the Website.

Linked Websites

The Website contains links to other internet sites and information provided by persons not affiliated with P.O.L.I.C.Y. Limited. Such links are not endorsements or referrals of any products, services or information contained in such websites, and no information in any such website has been endorsed or approved hereby. No claims, promises, or guarantees about the completeness, accuracy, currency, content or quality of information contained in the links to and from the Website are made.

Information provided and opinions expressed by others do not necessarily represent the opinion of P.O.L.I.C.Y. Limited. P.O.L.I.C.Y. Limited expressly disclaims any and all liability resulting from reliance on such information or opinions.


The Website is the copyrighted property of P.O.L.I.C.Y. Limited. The Website and its contents may not be reproduced, republished, uploaded, posted, modified, transmitted or distributed without the prior written permission of P.O.L.I.C.Y. Limited.