Disclaimer & Privacy

Your use of this site is sub­ject to the terms set out below.

DISCLAIMER & Limit of Liability

The infor­ma­tion con­tained within this Web­site and on any Wealth Mentors Pte Ltd / Wealth Mentors Sdn Bhd prod­ucts and ser­vices is of a gen­eral nature only. Changes may occur in cir­cum­stances at any time which may affect the accu­racy or com­plete­ness of the infor­ma­tion so while Wealth Mentors Pte Ltd / Wealth Mentors Sdn Bhd has taken all rea­son­able care in pro­duc­ing this Web­site, it accepts no respon­si­bil­ity for any loss, expense or lia­bil­ity which you may incur from using or rely­ing on the con­tents in this Website.

While the con­trib­u­tors have used their best efforts in prepar­ing infor­ma­tion con­tained within this Web­site, they make no rep­re­sen­ta­tion or war­ranties with respect to the accu­racy or com­plete­ness of the con­tents and specif­i­cally dis­claim any implied warranties.

The advice and strate­gies con­tained herein may not be suit­able for your sit­u­a­tion. You should con­sult with a pro­fes­sional where appro­pri­ate. The authors shall not be liable for any loss of profit or any other com­mer­cial dam­ages, includ­ing but not lim­ited to spe­cial, inci­den­tal, con­se­quen­tial or other damages.

Web­site Links

This site may con­tain links to other Inter­net sites that belong to third par­ties. Wealth Mentors Pte Ltd / Wealth Mentors Sdn Bhd accepts no respon­si­bil­ity for the accu­racy of the con­tent of those sites or your reliance on any infor­ma­tion con­tained within any such site.

Your Use of This Web­site

You may view, copy, print and dis­trib­ute mate­r­ial in elec­tronic or other forms only for your per­sonal use or non-commercial pur­poses. If you do so, you must retain copy­right and other intel­lec­tual prop­erty notices from the orig­i­nal material.

You Must NOT

Use or dis­trib­ute mate­r­ial from this site for any pub­lic or com­mer­cial pur­pose, or breach copy­right or any other intel­lec­tual prop­erty rights of the Pre­sen­ters or its licen­sors includ­ing by amend­ing or adapt­ing any mate­r­ial on this site.


1. Our Com­mit­ment to Pri­vacy. This notice describes our Pri­vacy Pol­icy. Our Pri­vacy Pol­icy is designed to advise you about how we col­lect, use, and pro­tect the Per­son­ally Iden­ti­fi­able Infor­ma­tion you pro­vide. By vis­it­ing this site, you are accept­ing the prac­tices described in this Pri­vacy Policy.

2. What Infor­ma­tion is Collected.

(a) Infor­ma­tion You Pro­vide to Us:

We col­lect the Per­son­ally Iden­ti­fi­able Infor­ma­tion you choose to enter on var­i­ous pages of our site, or that you may choose to give us in some other way (such as by email, phys­i­cal mail, or by tele­phone). For exam­ple, you will be asked to pro­vide Per­son­ally Iden­ti­fi­able Infor­ma­tion when you reg­is­ter for access to cer­tain por­tions of our site, sign up for newslet­ters or mail­ings, or make a purchase.

The cat­e­gories of Per­son­ally Iden­ti­fi­able Infor­ma­tion we col­lect are your first and last name, e-mail address, phys­i­cal address, and tele­phone number.

You can choose not to pro­vide cer­tain infor­ma­tion, but you may not be able to take advan­tage of our ser­vices and features.

(b) Auto­matic Information:

When you visit a web­site, you dis­close cer­tain infor­ma­tion, such as your Inter­net Pro­to­col (IP) address and the time of your visit. This site, like many other sites, records this basic infor­ma­tion about vis­its to our site.

© “Cook­ies”:

Cook­ies are pieces of infor­ma­tion that are trans­ferred to your com­puter from a web server.

We use cook­ies to store vis­i­tor pref­er­ences, record ses­sion infor­ma­tion (such as items that you add to your shop­ping cart) record user-specific infor­ma­tion on what pages users access or visit, alert vis­i­tors to new areas that we think might be of inter­est to them when they return to our site, record past activ­ity at a site in order to pro­vide bet­ter ser­vice when vis­i­tors return to our site, ensure that vis­i­tors are not repeat­edly sent the same ban­ner ads, and to cus­tomize Web page con­tent based on vis­i­tors’ browser type or other infor­ma­tion that the vis­i­tor sends.

Most browsers are set up to accept cook­ies, but you can change your set­tings to have your browser notify you when you receive a new cookie or you can change your set­tings to refuse to accept cookies.

3. How and When the Infor­ma­tion is Used. The infor­ma­tion we col­lect is used for admin­is­ter­ing our busi­ness activ­i­ties as follows:

(a) to improve the con­tent of our site;

(b) to cus­tomize the con­tent and/or lay­out of site pages for each indi­vid­ual visitor;

© used to notify con­sumers about updates to our Website;

(d) shared with other rep­utable orga­ni­za­tions to help them con­tact con­sumers for mar­ket­ing purposes;

(e) used by us to con­tact con­sumers for mar­ket­ing purposes.

4. How We Pro­tect Your Infor­ma­tion. The pri­vacy and pro­tec­tion of your infor­ma­tion is impor­tant to us. We offer some of our ser­vices in con­nec­tion with other web sites. The affil­i­ated sites may have dif­fer­ent pri­vacy prac­tices and we encour­age you to read their pri­vacy poli­cies. Your access to some ser­vices and con­tent is pass­word pro­tected. We advise that you do not dis­close your pass­word to any­one. In addi­tion, we rec­om­mend you sign out of password-protected ser­vices at the end of your ses­sion. You should also be aware that if you vol­un­tar­ily dis­close Per­son­ally Iden­ti­fi­able Infor­ma­tion on mes­sage boards or in chat areas, that infor­ma­tion can be viewed pub­licly and can be col­lected and used by third par­ties with­out our knowl­edge and may result in unso­licited mes­sages from other indi­vid­u­als or third par­ties. Such activ­i­ties are beyond our con­trol and this policy.

5. Who Has Access to the Infor­ma­tion. Infor­ma­tion about our users is impor­tant to us. Access to your infor­ma­tion may be pro­vided to third par­ties who pro­vide tech­ni­cal sup­port for the oper­a­tion of our site. In addi­tion, we may sell our busi­ness or buy, merge or part­ner with other com­pa­nies or busi­nesses. In such trans­ac­tions, user infor­ma­tion may be trans­ferred along with other assets. We may also dis­close your infor­ma­tion in response to a court order and we may dis­close your infor­ma­tion when we believe we are required to do so by law. We may dis­close your infor­ma­tion in con­nec­tion with the col­lec­tion of amounts you may owe to us and to law enforce­ment author­i­ties when­ever we deem it appro­pri­ate or nec­es­sary. Please note we may not pro­vide you with notice prior to disclosure.

6. Meth­ods We Use to Pro­tect Your Infor­ma­tion. We use secu­rity soft­ware to pro­tect the con­fi­den­tial­ity of your per­sonal infor­ma­tion. In addi­tion, our busi­ness prac­tices are reviewed peri­od­i­cally for com­pli­ance with poli­cies and pro­ce­dures gov­ern­ing the secu­rity and con­fi­den­tial­ity of our infor­ma­tion. Our busi­ness prac­tices limit employee access to con­fi­den­tial infor­ma­tion, and limit the use and dis­clo­sure of such infor­ma­tion to autho­rized persons.

7. Chil­dren. This web­site does not pro­vide ser­vices or sell prod­ucts to chil­dren under the age of 18. If we dis­cover we have received any infor­ma­tion from a child under the age of 18 in vio­la­tion of this pol­icy, we will delete that infor­ma­tion imme­di­ately. If you believe we have received any infor­ma­tion from or about any­one under the age of 18, please con­tact us at the address listed below.

8. How You Can Access Your Infor­ma­tion. You can request access to all your per­son­ally iden­ti­fi­able infor­ma­tion main­tained by us by send­ing an e-mail to us at the address listed below. Upon request we offer you the abil­ity to have inac­cu­ra­cies cor­rected in your per­son­ally iden­ti­fi­able infor­ma­tion. You can have this infor­ma­tion cor­rected by send­ing us an e-mail at the address listed below.

9. Con­sent. By using our web­site, you con­sent to the col­lec­tion and use of your per­sonal infor­ma­tion as described in this Pri­vacy Policy.

10. Changes to Pri­vacy Pol­icy. If our Pri­vacy Pol­icy or pro­ce­dures change, we will imme­di­ately post those changes to our web­site. Any such changes will be effec­tive imme­di­ately upon being posted, unless oth­er­wise stated in the change.

11. Effec­tive Date. This Pri­vacy Pol­icy is effec­tive as of Sep 1, 2015.

12. Con­tact E-Mail. You may con­tact us con­cern­ing this Pri­vacy Pol­icy by using any of the con­tact options show on this site.