The umbrella name Premiumlifeltd consists of Premiumlifeltd Asset Management Inc. business development units across the globe.(hereinafter collectively referred to as "Premiumlifeltd" or "we" or "us").
This Site may include combined information for the below entities, but each entity is solely responsible for its respective portions of this Site. Entity obligations are generally delineated based on the entity’s jurisdiction and the services and/or products provided by the relevant entity. General information about products and services is set forth below:
As this Site may be used internationally, you agree to comply with all local laws, rules and regulations with respect to your use of the Site, including, but not limited to, all laws, rules and regulations in effect in the jurisdiction in which you reside and the jurisdiction from which you access the Site. The information provided on this Site is not intended for access or use by any person or entity in any jurisdiction where such access or use would be contrary to local law, rules or regulations or which would subject us to any registration requirement within such jurisdiction. Unless otherwise specifically noted, the services and/or products referenced on this Site are intended to be made available only as specifically indicated.
You may not alter, redistribute, copy, upload, reproduce, transmit, or commercially exploit any content on this Site. Notwithstanding the foregoing, you may download content for your personal and non-commercial use, but any use of this Site or content from this Site for public or commercial purposes is strictly prohibited. We reserve all rights with respect to our proprietary information or content on this Site and will enforce such rights to the full extent of applicable copyright and trademark law. Except as expressly provided in these Terms, we do not grant any express or implied rights to you. You agree not to directly or indirectly attempt to register, challenge, or contest the validity of our respective ownership of our intellectual property or to assist any third party in doing so. We grant to you a personal, revocable, non-transferable, non-exclusive license to use this Site. This grant is conditioned upon your continued compliance with these Terms. Any unauthorized use of this Site or the content will terminate the limited permission granted to you under these Terms and may violate applicable laws, rules and regulations, including, but not limited to copyright law, trademark law, and commercial regulations and statutes.
This Site is not intended to provide you with investment, tax, insurance or legal advice. The content herein is for informational and educational purposes only and should not be considered a solicitation, advice of any nature, offer or a recommendation for any security in any jurisdiction where such offer, solicitation or recommendation would be unlawful or unauthorized. Outside of the US, excluding Canada, investment products and services may be offered by Premiumlifeltd Inc. and its business development units located across the globe. Additionally, certain tools may be made available to you via this Site to provide you with general guidance. To the extent such tools are made available to you, you are solely responsible for determining whether any product, security, or services is appropriate or suitable for you or your customer. We will not treat Site users as clients by virtue of accessing the Site. Users of this Site should seek the advice of their independent financial adviser, or such other adviser, prior to making any investment decision on the basis of any information contained herein and no information herein constitutes general or specific investment, legal, tax or advice of any kind. Investment professional sections of the Site are intended for investment professional use only. Any person who is not an investment professional should not view, act, or rely on the information on the investment professional section of the Site. We assume no responsibility for such person's incorrect use of the Site.
Although we have made reasonable efforts to ensure that the information contained within this Site is accurate, we make no representation or warranty, expressed or implied, that the information is accurate or complete. Content, including opinions and guidance, is provided for information purposes only and is subject to change without notice. Given the preceding, this Site is provided "as is", "as available," and "with all faults." We do not warrant that this Site will meet your needs and make no guarantee that we will update this Site. You agree to assume the entire risk as to your use of this Site. Furthermore, we assume no responsibility for, and make no representations or warranties tied to the functions of this Site and make no guarantee that this Site will be error free, free of viruses or other harmful components, uninterrupted, or that defects will be corrected.
Neither we nor any of our affiliates nor their respective officers, directors, trustees, employees and agents are liable under any circumstance for any damage or injury, including, but not limited to damage or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part from breach of contract, negligence, or otherwise that may result from your use or your inability to use this Site or any content found on this Site.
You represent and warrant to us that you will not use this Site for any purpose that is unlawful or prohibited under the Terms. As a condition of your use of this Site, you also agree to indemnify and hold us and our affiliates, and their respective officers, directors, trustees, employees and agents harmless from and against any and all claims, losses, liability, costs and expenses, including but not limited to, attorneys' fees, arising from your use of our Site or from your violation of these Terms.
This Site is generally intended to be viewed by a conventional web browser. Although you may use other means to access this Site, be aware that this Site may not appear accurately through other access methods, and you use them only at your own risk.
Certain parts of this Site may be protected by passwords or require a login. You are responsible for maintaining the confidentiality of any user names, passwords, security questions and answers. You understand that you are solely responsible for all electronically transmitted requests. You agree that we shall not be under a duty to inquire as to the authority or propriety of any instructions given to us using your passwords or other security data and that we shall be entitled to act upon any such instructions. We will not be liable for any loss, cost, expense, or other liability arising out of any such instructions. It is your responsibility to notify us immediately of any: (i) unauthorized use of your passwords and other security data; (ii) discrepancy in your account; or (iii) failure to receive written confirmation of any instruction within five (5) business days. In addition, we shall not be deemed to have received a request for any instruction unless and until we have acknowledged to you, in writing, that we have received your request.
We expressly reserve the right to monitor any and all of your use of this Site. Therefore, you should not submit any proprietary, confidential, or personally identifiable information about you via this Site, as all information submitted through this Site by you will be deemed to be our property once submitted. Your submission of information will grant us an implied unrestricted license to use, reproduce, display, perform, modify, transmit, and distribute that information. We shall not be subject to obligations of confidentiality regarding information that you submit, unless we agree to confidentiality via our customer relationship, if we otherwise specifically agree to such treatment, or if we are required by law to grant such treatment. Much of the information we collect is statistical in nature and not generally attributable to any specific party. The statistical information we collect may be shared in order to enhance and improve services. Personal data is recorded in a secure environment which is not open to the public. We generally do not share your personal data with third parties, unless we have a confidentiality arrangement with such third party. We may share personal data with third parties in order to provide requested service, fulfill legal obligations, and in the event of a request from legal authorities. For more detailed information concerning how we collect information and protect your privacy please consult our Privacy Policy.
This Site may contain references to third party copyrights, indexes, and trademarks, each of which is the property of its respective owner. Such owner is not affiliated with us and does not sponsor, endorse or participate in the provision of any of our services, funds, or other financial products. To the extent that any index information is found on this Site, such information is derived from third parties and is provided on an "as is" basis. You assume the entire risk of use of such information. We and each of the third party entities involved in compiling, computing, or creating index information, disclaims all warranties (including, without limitation, any warranties of originality, accuracy, completeness, timeliness, non-infringement, merchantability, and fitness for a particular purpose) with respect to such information. This Site may contain links to third party sites, including, but not limited to, social media sites that are not under our control and are provided to you solely as a convenience. We do not endorse such sites or the content on such sites and are not responsible for the condition of the sites or content that is posted on such sites, except to the extent that we specifically take ownership of such postings (e.g., where we actively participate in social media). Nothing on the Site shall be construed as granting any license or right to use any intellectual property on the Site (e.g., image, trademark, service mark, or logo). Downloading, copying or printing individual pages and/or parts of the Site is allowed for personal use only, and will not transfer title to anything on the Site. Furthermore, any reproduction, re-publication, or distribution of this material requires our express consent.
All content on this Site is presented only as of the date published or indicated and may be superseded by subsequent market events or other circumstances. You are responsible for refreshing your screen or setting the cache settings on your internet browser to ensure you are viewing the most current content.
The information provided on this Site is not intended for access or use by any person or entity in any jurisdiction or country where such access or use would be contrary to laws or regulations or which would subject us to any registration requirement within such jurisdiction or country. This Site and the content therein is for informational purposes only and should not be construed as solicitation, advice, offer or a recommendation for any fund, security, or service in any jurisdiction where such offer, solicitation or recommendation would be unlawful or unauthorized. By accessing this Site you agree to comply with all local rules with respect to your online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from which you access this Site, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills, and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, and privacy.
