You may not use this Website for any of the following purposes:

• Disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material or otherwise breaching any laws;
• Transmitting material that encourages conduct that constitutes a criminal offence, or otherwise breaches any applicable laws, regulations or code of practice; and
• Interfering with any other person’s use or enjoyment of this Website. You will be responsible for our losses and costs resulting from your breach of this clause on restricted use.

In no event shall White Oak be liable to you for any loss, damage, costs, charges and/or expenses of whatsoever nature and howsoever arising including legal fees on a full indemnity basis, cost of funding and loss or cost incurred by you as a result of or in connection with:

• any access, use or the inability to access or use this Website, use of or reliance on the contents of this Website;
• any transaction performed on any web page in this Website;
• any loss or abuse or unauthorized disclosure of information, including customer information;
• any system, server or connection failure, error, omission, interruption, interception, delay in operation or transmission, or computer virus;
• any use of or access to any websites linked to this Website;
• any service, product, information, data, software or other materials obtained from this Website or from any other websites linked to this Website;
• breach or violation of any third-party rights, including but not limited to the violation of any proprietary or intellectual property rights or the enforcement of any of these general terms of use.

The entire contents of this Website are subject to copyright with all rights reserved. You may download or print individual sections of this Website for your personal non-commercial use and information only provided that you are legally entitled to access the material and you retain all copyright and other proprietary notices contained in the material. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into, copy or use for any public or commercial purpose this Website without the prior written permission of White Oak. Nothing on this Website should be construed as granting any licence or right in relation to any of our trademarks or those of our affiliated companies or any third party.

The information, material and content provided in the pages of this Website may be changed at any time by us. Information on this Website may be out of date and may not be updated or removed.

Any changes, modifications or additions to, or deletions from, these Terms and Conditions (“Changes”) shall be effective upon,posting on this Website. It is your responsibility to be familiar with the terms and conditions of this Website. Your continued access to or use of this Website will mean that you agree to and accept any such Changes.

We make no promise that materials on this Website are appropriate or available for use in locations outside Singapore and accessing this Website from territories where its content are illegal or unlawful is prohibited. If you choose to access this Website from locations outside Singapore, you do so on your own initiative and are responsible for compliance with local laws.

You must take your own precautions to ensure that the process which you employ for accessing this Website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. For the removal of doubt, we do not accept responsibility for any interference or damage to your own computer system which arises in connection with your use of this Website or any linked Website.

Your access to this Website may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. We will attempt to restore the service as soon as we reasonably can.

White Oak is not responsible for the contents available on or the set-up of any other websites linked to this Website. These hyperlinks lead to websites published or operated by third parties who are not affiliated with or in any way related to White Oak. Access to and use of such other websites is at the user’s own risk and subject to any terms and conditions applicable to such access/use. By providing hyperlinks to a third party website or webpage, White Oak shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/ products they provide on their websites, or to have any form of cooperation with such third parties and websites unless otherwise stated by White Oak.

We are not in any way responsible for the content of any third-party website or webpage.

White Oak is not a party to any contractual arrangements entered into between you and the provider of the third-party website unless otherwise expressly specified or agreed to by White Oak

Any links to websites that contain downloadable software are provided for your convenience only. We are not responsible for any difficulties you may encounter in downloading the software or for any consequences from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a license agreement and your failure to serve the terms of such license agreement may result in an infringement of intellectual property rights of the relevant software provider, which we are not in any way responsible.

You must always obtain the prior written approval of White Oak before creating a hyperlink in any form from a third-party website to White Oak Website or webpage. White Oak may or may not give such approval at its absolute discretion.

White Oak is not responsible for the setup of any hyperlink from a third-party website to White Oak Website or webpage. Any links so set up shall not constitute any form of co-operation with, or endorsement by, White Oak of such third-party website. Any link to our Website shall always be an active and direct link to our Website and no “framing” or “deep-linking” of our web page or content is allowed, unless prior written approval is obtained from White Oak.

White Oak is not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with such link. White Oak reserves the right to rescind any approval granted to any link through a plain-text link or any other type of link, and to require the removal of any such link to White Oak Website or webpage, at its discretion at any time.

White Oak may collect personal information relating to you in your course of business with us, including where you provide us with such personal information through the “Contact Us” portal of this Website. We may also collect information regarding your usage patterns of this Website and make use of cookies while doing so (see below). Occasionally, we may also collect personal information from visitors to this Website (for example, if they participate in market research surveys or other similar activities) and/or individuals who participate in contests, promotions or events organised by White Oak (whether such participation is done online, over the telephone or in person at one of our branches).

All such personal information will be collected, used and/or disclosed by White Oak for the following purposes:

Facilitating access to this Website

• Providing all information requested or purportedly requested by you;
• Responding to enquiries made or purportedly made by you, including to request for more information where required;
• Research and analysis purposes (including market research);
• Notifying and/or advising you of products and/or services which may be of interest to you (which shall include the sending of marketing and promotional materials);
• Complying with any applicable rules, laws or regulations, regulatory policies, guidelines or industry codes, judgment, orders, directions or requests issued by any court, legal or regulatory bodies including rules and regulations relating to anti-money laundering and countering the financing of terrorism and the carrying out of audit checks, surveillance and investigation; and
• Any purposes directly related to one or more of the above

(collectively the “Purposes”).

White Oak may also disclose such information to related and/or associated companies, affiliates, delegates, trustee(s), business partners, and/or service providers, or any third party and/or agents (including outsourcing agents and data processors), any and all governmental and/or quasi-governmental departments and/or agencies, regulatory and/or statutory bodies, any court and/or officer of the court , provided that such disclosure is for the Purposes, any other purpose for which your personal data was to be disclosed at the time of its collection and which was made known to you, or otherwise permitted under the Personal Data Protection Act 2012 of Singapore.

All such personal information may be retained even after any relation between you and White Oak has ceased for as long as is necessary for any legal or business purpose. Your personal data may be transferred to locations outside Singapore and will hence be subject to laws applicable in those locations.

Please contact the Data Protection Officer, Francis Tan of White Oak by [email protected] if you have any enquiries, comments or suggestions about the collection, use and/or disclosure of your personal data as described under these Terms and Conditions

A cookie is information that a web server stores on your hard disk so that it allows a web site to store your preferences on your machine and later retrieve it. Cookies cannot by themselves be used as identification. This Website uses cookies. A cookie helps you to get the best out of this Website and helps us to provide you with a more customised service and to improve and update our content. By using this Website you agree to our placement and use of cookies unless you have disabled them. However, certain parts of this Website are reliant on the use of cookies to operate correctly and may not work correctly if you set your browser not to accept cookies.

These Terms shall be subject to, governed by, and construed in accordance with the laws of Singapore, and you hereby submit to the non-exclusive jurisdiction of the Singapore Courts.

By accessing this Website beyond this point you represent, warrant and confirm that:

• You are not a Prohibited Person under Regulations promulgated under the MAS Act, United Nations Act, and the Terrorism (Suppression of Financing) Act;
• You are an Accredited Investor or an Institutional Investor within the meaning of the Securities and Futures Act 2001 of Singapore and the Securities and Futures (Classes of Investors) Regulations 2018;and
• You are not otherwise subject to any restriction prohibiting access to this Website imposed by the laws and regulations of your jurisdiction.