Any investments described on this website may not be suitable for all people. Investors must assess for themselves whether any investment service is suitable for their own investment purposes before purchasing or using such service or product. The value of investments and the income derived from them may go down as well as up and you may not receive back all the money which you invest.

Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, express or implied, is made regarding future performance. Opinions and/or estimates reflect a judgement at the original date of publication by the firm and are subject to change without notice. The price, value of and income from any of the securities or financial instruments mentioned in this website can fall as well as rise. Foreign currency denominated securities and financial instruments are subject to fluctuations in exchange rates that may have a positive or adverse effect on the value, price or income of such securities or financial instruments. Investors in securities, the values of which are influenced by currency volatility, effectively assume this risk.

Structured securities are complex instruments, typically involve a high degree of risk and are intended for sale only to sophisticated investors who are capable of understanding and assuming the risks involved. The market value of any structured security may be affected by changes in economic, financial and political factors (including, but not limited to, spot and forward interest and exchange rates), time to maturity, market conditions and volatility and the credit quality of any issuer or reference issuer. Any investor interested in purchasing a structured product should conduct its own investigation and analysis of the product and consult with its own professional advisers as to the risks involved in making such a purchase.

This website is subject to periodic update and revision. Materials should only be considered current as of the date of initial publication appearing thereon, without regard to the date on which you may access the information. The firm maintains the right to delete or modify information on this website without prior notice.

We may have issued other reports that are inconsistent with, and reach different conclusions from, the information presented in this website. Those reports reflect the different assumptions, views and analytical methods of the analysts who prepared them and the firm is under no obligation to ensure that such reports are brought to your attention.

We make no warranties or representations relating to, and shall not be liable to you in respect of, this website or any other website to which it may be linked We shall not be liable for the accuracy, quality, completeness, availability of, or your ability to access, this website or any information contained in this website.

Our inclusion of links to other websites does not imply any endorsement of the material of such websites or any association with their operators. You are solely responsible for evaluating the accuracy and completeness of any information contained on the third party websites, and also the value and integrity of any resources, goods and services offered by such websites.

To the extent permitted by law, we do not accept liability for any damages, including without limitation, indirect or consequential damages, or loss of profits, or any damage whatsoever arising out of or in connection with the use or loss of use of this site.

Nothing in these Terms and Conditions (or elsewhere on our website) will exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.

You are granted access to this website conditional upon your agreement to indemnify Us and not to hold Us liable in any way for the results of any action you may take based on the material contained herein.

Azlina Bulmer | Chair, The Works