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Terms of Use

Updated: Aug. 1, 2016

Please read these terms of use carefully before accessing or using this portal. By accessing or using this portal, you are deemed to have agreed to the privacy policy and terms of use listed below.

If you do not agree, please do not access or use this portal.


The information published on this portal is provided without charge as a convenience to visitors, to be used for informational purposes only and shall not be construed as an offer or solicitation to deal in the products referred to or contained in this portal. While FinAlly has tried to provide accurate and timely information, there may be inadvertent delays, omissions, technical or factual inaccuracies and typographical errors. Where materials are provided by third parties, e.g. insurers, FinAlly does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained in it. FinAlly expressly disclaims liability for errors or omissions in these materials.

While certain tools available on this portal may provide insurance needs calculation and/or coverage analysis based on your personalized input, any opinion, analysis or estimate contained in this portal is made on a general basis and neither FinAlly nor any of its employees have given any consideration to nor have they or any of them made any investigation of the investment objective, financial situation or particular need of any user or reader, any specific person or group of persons. FinAlly expressly disclaims all liability for the use or interpretation by others of information contained in this portal or for any loss arising whether directly or indirectly as a result of the user acting on any information, opinion, analysis or estimate contained in this portal. Decisions made based on information contained in this portal is your sole responsibility, and you agree to hold FinAlly and its affiliates harmless against all and any claims for damages arising from any decisions that you make based on such information.

Investment-related or linked insurance products are subject to investment risks. Past performance is not indicative of future performance. The prices of the underlying securities or assets may rise as well as fall, including the possible loss of the principal amount invested. You should read any risk disclosure statement contained in any particular investment-related or linked insurance product you intend to purchase. If in doubt, please seek specific professional financial advice.

All proposals and requests for products and services are based on information provided by your and is subject to acceptance and further terms and conditions imposed by FinAlly or relevant third party providers, such as the relevant insurer(s). You represent and warrant that all information provided by you is true and accurate and that you will promptly inform FinAlly or the relevant third party provider(s) of any error, change or update in the information provided by you.

By providing information (such as feedback, data, comments, suggestions, plans or ideas) to FinAlly, you agree that such information shall be non-confidential and that FinAlly shall have unlimited rights to use, distribute, reproduce, and disclose such information worldwide as FinAlly deems appropriate, without compensation or acknowledgement of its source. FinAlly shall be free to use any ideas, concepts, know-how or techniques contained in information which you provide to FinAlly through this portal, including but not limited to developing, manufacturing, and marketing products or services based on such information.

If you are accessing this portal from a jurisdiction outside Singapore, you are responsible for compliance with applicable laws and regulations of your jurisdiction. Please do not access this portal if the publication or availability of this portal is prohibited in your jurisdiction in any way.

Commission Rebates and Referral Fees

Where commission rebates or referral fees are offered, such rebates or fees are subject to further terms and conditions imposed by Ray Alliance Financial Advisers Pte Ltd or the relevant product provider(s), including but not limited to the frequency and mode of payment. In the event that you terminate an insurance policy and the relevant insurer exercises its right to clawback commissions paid on it, Ray Alliance Financial Advisers Pte Ltd reserves the right to require you to return up to the full amount of commission that the insurer claws back.

Intellectual Property Rights

All contents and materials on this portal, including but not limited to the text, images, videos and other information herein and their arrangement, are protected by copyright, trademark and other proprietary rights of FinAlly and/or relevant third party providers. This means that you shall not without the express consent of FinAlly distribute the text or graphics to others, mirror or include in your own server or documents, and/or modify, for any unlawful or unauthorized purpose. Nothing contained in this portal shall be construed as conferring, by implication, estoppel or otherwise, a licence or right to use any of the trademarks. FinAlly or any of its relevant third party providers may enforce its rights against you.

Linking to This Portal

No hyperlinks to the portal or any of the internal or subsidiary pages within the portal, or framing of any content in the portal, shall be made by anyone unless with the prior consent of FinAlly. Without prejudice to any of its other rights, FinAlly may upon discovering such unauthorized linking or framing disable such links or frames.


FinAlly, its employees and affiliates are fully indemnified by you, from and against any and all claims, actions, losses, damages, costs and expenses arising directly or indirectly out of or in connection with any act or omission by you or any person acting on your behalf, or due to your negligence or breach of any of these terms of use.


We reserve the right to modify and make changes to any of the above terms and conditions without notice. All modifications will be reflected by the posting of the amended terms and conditions on our portal.

Governing Law & Jurisdiction

These terms of use shall be governed by and construed in accordance with the laws of the Republic of Singapore.