Important Notes

Disclaimer & Important Notice for Research

The information set out in this website ("Information") is not directed to, or not intended for distribution or use by, any person or entity that is a citizen or resident of or located in any locality, state, country or other jurisdiction (including but not limited to citizens or residents of the United States of America) where such distribution, publication, availability or use would be contrary to any law or regulation.

This Information is not an offer or solicitation or invitation of an offer to buy or sell any security or product in any jurisdiction (including but not limited to citizens or residents of the United States of America) where such an offer or solicitation or invitation of an offer would be contrary to any law or regulation.

This Information is published for general circulation and information only and does not have regard to the specific investment objectives, financial situation and/or the particular needs of any specific person. Visitors accessing this website should always seek advice from an independent financial adviser or other professional adviser regarding the suitability of the Information referred to herein (taking into account the specific investment objectives, financial situation and/or particular needs of each person in receipt of the Information) before making any investment and/or any purchase in reliance of the Information.

The Information may be subject to further revision without notice. Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any product.

DBS Bank Ltd. and/or any of its related companies or affiliates, which includes any of their respective directors or officers or employees (collectively the "DBS Group"), accepts no liability for any direct, special, indirect, consequential, incidental damages or any other loss or damages of any kind arising from any use of the Information herein (including any error, omission or misstatement herein, negligent or otherwise) or further communication thereof.

The DBS Group does not make any warranty (whether expressed or implied), as to the accuracy or completeness, timeliness or correctness for the Information herein and thus assumes no responsibility for it whatsoever.

The DBS Group may have positions or other interests in, and may effect transactions in the underlying product(s) mentioned in this website and may also perform or seek to perform broking, investment banking and other banking or financial services to any persons or entities mentioned.

Disclaimer for Investment and Life Insurance Products

Life Insurance

All ages mentioned are based on Age Last Birthday (ALB).

These insurance plans and riders are issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS.

You will find the precise terms, conditions and exclusions of these plans in the respective Policy Contracts. This is for general information only and is not a contract of insurance nor a recommendation to purchase as it has not been tailored to your specific investment objectives, financial situation and particular needs. You should seek advice from a financial adviser and obtain the Product Summary to read before deciding whether the product suits you. A Product Summary may be obtained from Manulife or any DBS/POSB branch. If you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender values payable (if any) may be less than the total premiums paid.

You may write to Manulife to cancel the policy within 14 days of receiving the policy document and obtain a full refund of the premium paid after deducting any expenses incurred in issuing the policy. For investment-linked policy, the value of units in the underlying fund and the income accruing to the unit, if any, may rise or fall. You may get back substantially less than your original investment if the market values of your selected funds fall. If the policy is sent by post, it shall be deemed to have been delivered within 7 days after posting.

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 the coverage, where applicable, please contact Manulife or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Health Insurance

These insurance policies are underwritten by Singapore Life Ltd, and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This is for general information only and is not a contract of insurance nor a recommendation to purchase as it has not been tailored to your specific investment objectives, financial information and particular needs. You will find the precise terms, conditions and exclusions of these plans in the respective policy contracts. Do speak to a financial adviser and obtain the product summary to read before deciding whether the product suits you. A product summary may be obtained from Singapore Life Ltd or any DBS/POSB Bank branches. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

You may refer to the table below and write to Singapore Life Ltd to cancel the policy within the Freelook period upon receipt of the policy document and obtain a full refund of the premium paid after deducting any expenses incurred in issuing the policy. If the policy is sent by post, it shall be deemed to have been delivered within 7 days after posting.

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 Singapore Life Ltd or or visit the Life Insurance Association (LIA), or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

General

Disclaimers and Important Notice

The information in this website is for information only. The information and opinions contained in this publication has been obtained from sources believed to be reliable, but DBS makes no representation or warranty as to its adequacy, completeness, accuracy or timeliness for any particular purpose. Opinions and estimates are subject to change without notice.

Where specific products are advertised and/or recommended, please note the following:

1. The recommendation is intended for general circulation;
2. The recommendation does not take into account the specific investment objectives, financial situation or particular needs of any particular person;
3. Advice should be sought from a financial adviser regarding the suitability of the investment product, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of the recommendation, before the person makes a commitment to purchase the investment product. Should the person choose not to do so, he should consider carefully whether the product is suitable for him. In particular, all relevant documentations pertaining to the product should be read to make an independent assessment of the appropriateness of the transaction.
4. This advertisement has not been reviewed by the Monetary Authority of Singapore, or any regulatory authority elsewhere.

DBS Bank, its related companies, their directors and/ or employees may have positions or other interests in, and may effect transactions in the product(s) mentioned here. DBS Bank may have alliances or other contractual agreements with the provider(s) of the product(s) to market or sell its product(s). Where DBS Bank’s related company is the product provider, such related company may be receiving fees from investors. In addition, DBS, their directors and/ or employees may also perform or seek to perform broking, investment banking and other banking or financial services for these product providers.

Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any investment. There is no assurance that the credit ratings of any securities mentioned in this publication will remain in effect for any given period of time or that such ratings will not be revised, suspended or withdrawn in the future if, in the relevant credit rating agency’s judgment, the circumstances so warrant. The value of any product and any income accruing to such product may rise as well as fall. Foreign exchange transactions involve risks. The reader should note that fluctuations in foreign exchange rates may result in losses in foreign exchange. To the extent permitted by law, DBS accepts no liability whatsoever for any direct indirect or consequential losses or damages arising from or in connection with the use or reliance of this publication or its contents.

This publication is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

The information is provided in Singapore by DBS Bank Ltd (Company Registration. No.: 196800306E) which is an Exempt Financial Adviser as defined in the Financial Advisers Act and regulated by the Monetary Authority of Singapore.