1. You use this Website and its services at your own risk. 2. The Website and its services are provided on an “AS IS” and “AS AVAILABLE” basis. The Owner does not represent or endorse and warrant in any way, whether express or implied, including but not limited to, to meet the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. 3. The Owner will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website and its services, including errors or omissions in the website’s content. 4. The Owner does not warrant that the functionality of the website and its services will be uninterrupted or error free, that defects will be corrected or that the website and its services or the server that makes them available are free of any virus or other malicious, destructive or corrupting code, programme or macro. 5. By providing links to other sites, the Owner does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to this website.

1. ACCEPTANCE OF TERMS Tony Ong (“the Owner”), a Financial Adviser Representative representing Financial Alliance Pte Ltd (“FAPL”), owns and operates www.thenevertiree.com (”Website”). All its content is the Owner’s sole responsibility, and none of it is endorsed by FAPL nor does it constitute any official communication of FAPL. Your use of the Website is subject to these Terms and Conditions. You will refrain from using the Website for any purpose that is illegal or prohibited by these Terms and Conditions. By using the Website, you fully accept the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms of Use, you must stop using the Website at once. These Terms of Use may be updated at any time without notice. Should you continue to use the Website after any changes are made, you shall be deemed to have accepted the changes. It is therefore your responsibility to check the Terms of Use regularly for any changes. 2. NOT FINANCIAL ADVICE The content of the Website does not constitute financial advice and should not be construed as such or relied upon in making or refraining from making, any decision. 3. LINKS TO THIRD PARTY WEBSITES The Website includes links to third party websites that are controlled and maintained by others. Such links do not mean the Owner endorses these websites, and you acknowledge and agree that the Owner is not responsible for their content. 4. INTELLECTUAL PROPERTY All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the website design, text, graphics and all software and source codes connected with the website and services) are owned by or licensed to the Owner or otherwise used by the Owner as permitted by law. All content on the Website is copyrighted by the Owner unless otherwise noted. In accessing the Website, you agree that you will access the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only. 5. THE PERSONAL DATA YOU PROVIDE The Website collects personal data from you when you: 1. Contact the Owner via the Contact link/page to make enquiries or give feedback 2. Subscribe to the mailing list 3. Comment on a blog post By providing your personal data through the Website, you consent to permit the Owner to use them to: 1. Contact you to follow up on your enquiry or feedback 2. Send you marketing, advertising and/or promotional information and materials relating to events and/or services that the Owner may be offering from time to time via postal mail, emails, voice calls, SMS/MMS and/or faxes to your telephone number (if you have provided it); 3. Perform internal statistical, research, administrative, operational and technological tasks for the said purposes, storage and/or backup of your personal data; 4. Any other purposes which we will notify you of at the time of obtaining your consent, unless the collection, use or disclosure of your personal data without your consent is permitted by the PDPA or other legislation. If you do not wish to consent to the above, you are to refrain from providing personal data via the Website. 6. GOVERNING LAW These Terms of Use shall be governed by and construed in accordance with the law of Singapore and you hereby submit to the exclusive jurisdiction of the Singaporean courts.

The Owner holds the Financial Adviser Representative Licence issued by the Monetary Authority of Singapore (“MAS”), and is authorised to provide the following financial advisory services: Advising others, either directly or through publications or writings, whether in electronic, print or other form, concerning any investment product, other than advising on corporate finance within the meaning of the Securities and Futures Act (Cap. 289); and (b) Advising others by issuing or promulgating analyses or reports, whether in electronic, print or other form, concerning any investment product. • Life Policies • Securities other than collective investment schemes • Collective investment schemes • Marketing of any collective investment schemes • Arranging of any contract of insurance in respect of life policies In addition, we have the capability to advise on these products and services not regulated under the Financial Advisers Act: • Advice on General & Group Insurance • Advice on Loan Products • Advice on Wills & Trusts • Advice on Financial Planning • Advice on Alternative Investments