Terms of use
This site is maintained by ipac group. The information contained on this website and from any communication related to this website is for information purposes only.

This website is made available to you as self-help tools for your independent use and are not intended to provide full financial advice. We can not and do not guarantee the applicability or accuracy in regards to your individual circumstances. All examples and calculations are hypothetical and are for illustrative purposes, they do not take into account any product fees and distributions have been reinvested. This website should not be regarded as an offer or solicitation to sell investments in any country to any person to whom it is unlawful to make such an invitation or solicitation in such country. We encourage you to seek advice from a qualified financial adviser regarding your personal financial needs.

ipac disclaims any liability for loss, damage, cost or other expense which you may incur as a result of any information provided on this website, to the extent that such liability is not excluded by law. No warranty of accuracy is given and no responsibility arising in any other way for errors or omissions including responsibility to any person by reason of negligence (except as required by law) is accepted by ipac, its directors or employees.

ipac will endeavour to update the website as soon as possible. However, information can change without prior notice and so ipac does not guarantee the accuracy of information on the website, including information provided by third parties, at any one time.

Any currency references are references to Singapore dollars unless otherwise specified.

Data privacy
ipac is sensitive to the personal information. Your information provided here will not be disclosed to third parties other than the ipac group companies."

Intellectual property rights
These website and software are the property of one or more of the entities within the AXA Group (AXA). AXA owns all intellectual property rights in these materials. No part of these materials may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed or used in any other way for commercial or public purposes without the prior written permission of the AXA Group. All rights reserved.

Linked website
ipac is not responsible for the contents available on or the set-up of any other websites linked to this site. 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 other websites, ipac shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the service/products they provide on their web site, or have any form of cooperation with such third parties and web sites. ipac is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by ipac.

Transmitting over the Internet
Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission, ipac is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of information you have entered.

Downloading
We do not represent or warrant that the website will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Password protected areas.
Access to and use of password-protected and/or secure areas of the website are restricted to authorized users only. You may not obtain or attempt to obtain unauthorized access to such parts of our Site, or to any other protected materials or information, through any means not intentionally made available by us for your specific use. Unauthorized individuals attempting to access, or actually accessing, these areas can be subject to criminal and/or civil prosecution.