Please read the following terms and conditions carefully. Persons who access the information on this website agree to be bound by the following terms and conditions. Any special agreements with respect to individual services or products of CIC shall be complementary to these terms and conditions. In the event of any conflict however, the provisions stated in any such special agreements shall prevail.

Use of information

The information and materials contained in or accessed through this website are provided on an “as is” and “as available” basis, are of a general nature only which have not been verified, considered or accessed by CIC in relation to the making of any specific investment, business, financial or commercial decision, and not for publication in the press or elsewhere.
Such information and materials are provided for general information only and you should seek professional advice at all times and obtain independent verification of the information and materials contained herein before making any decision based on any such information or materials.

The information and materials speak as of their date and do not reflect any changes in law, events or practice since that date. CIC does not undertake an obligation to update the information and materials, or to correct any inaccuracy that may become apparent at a later time.

No information and materials published on or accessed through this website shall be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction.

CIC does not warrant the truth, accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through this website and expressly disclaims liability for any errors in, or omissions from, such information and materials. No warranty of any kind, implied, express or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose and freedom from computer virus and other malicious code), is given in conjunction with such information and materials, or this website in general.
To inquire about contracting for any of the products or services described herein you must contact CIC at the contact details provided. Kindly note that nothing contained on this website amounts to financial, tax, legal or other advice. In addition, no investment or other decisions should be made exclusively based on the content contained in this website. Advice should be obtained from a qualified expert before making any investment decision.

You may not use this website or transmit, distribute, link, market, publish, display or sell any content which are harmful in nature or in violation of any laws or regulations (foreign or domestic) or to commit, engage in, perpetuate or abet any breach of security, fraud, criminal act, offence. CIC reserves the right to restrict or prohibit any and all activities, conduct or content (or delete, move or edit the same) that CIC determines in its sole discretion may be harmful to CIC’s systems, network, reputation, good will, its other customers, or any third party.

Performance and availability

Information on currencies, exchange rates, market trends does not constitute advice or an offer to buy or sell currency at the prices indicated. While the information contained herein is from sources believed to be reliable, such information is purely indicative and does not represent actual prices at which contracts are concluded. Further, past performance is not reflective of future performance or results.

Limitations on liability and indemnity

In no event will CIC, its branches, subsidiaries or affiliated companies or any staff of CIC (the “CIC Parties”) be liable for any losses, damages incurred or claims of any kind, including any direct, indirect or consequential damages which may be incurred by any person(s) as a result of access or use of this website or any linked sites, or reliance on any information, materials or online services provided at this website.

Under no circumstances shall any of the CIC Parties be liable regardless of the form of action for any failure of performance, system, server or connection failure, error, omission, interruption, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your access of this website.

By accessing this website, you consent to fully indemnify against all liabilities, claims, costs, expenses and damages of any kind which may be suffered or incurred by any of the CIC Parties and all actions and proceedings which may be brought by or against any of the CIC Parties in connection with or as a result of your use of this website, including but not limited to the breach of any or all of these terms and conditions.

Copyright and data protection

The copyright and all other intellectual property in the contents of this website (including, but not limited to, all design, text, sound recordings, images or links) are the property of CIC. As such, they may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of CIC. Save and except with CIC’s prior written consent, you may not insert a hyperlink to this website or any part thereof on any other website or “mirror” or frame this website, any part thereof, or any information or materials contained in this website on any other server, website or webpage.

All trade marks, service marks and logos used in this website are the property of CIC and/or the respective third party proprietors identified in this website. No licence or right is granted and your access to this website should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trade marks, service marks or logos appearing on this website without the prior written consent of CIC or the relevant third party proprietor thereof. Save and except with CIC’s prior written consent, no such trade mark, service mark or logo may be used as a hyperlink or to mark any hyperlink to this website or any other site.

Prior authorisation has been requested from those concerned in respect of all personal data collected directly by CIC and made available via this website. Prior express authorisation has been obtained for any use on this website of logos or nominative information belonging to third parties and for any transmission of press articles.


The hyperlinks provided to other websites are for your easy reference only and such websites are owned or operated by third parties. Such linked websites are not under the control of CIC and CIC cannot accept responsibility for the contents of or the consequences of accessing any linked website or any link contained in a linked website. Furthermore, the hyperlinks provided in this website shall not be considered or construed as an endorsement or verification of such linked websites or the contents therein by CIC and accordingly, CIC does not assume any responsibility for the accuracy, reliability, completeness and legality of the information contained in such linked websites.

If you decide to follow the hyperlinks provided to the other websites, you agree that you shall do so at your own risk and subject to the terms and conditions of access and/or use contained therein. CIC expressly disclaims any liabilities arising from your access to the other websites from the hyperlinks provided herein.


CIC reserves the right to change or rectify the contents of this website at any time and without prior notice. CIC may terminate your access to this website at any time without notice and without assigning any reason therefor.

No waiver

No failure or delay by CIC in exercising or enforcing any right or option under these terms and conditions shall operate as a waiver thereof or limit, prejudice or impair CIC’s right to take any action or to exercise any right as against you or render CIC responsible for any loss or damage arising therefrom.
If any one or more of the provisions in these terms and conditions are deemed invalid, unlawful or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired.

Govering law

Nothing herein shall be construed as a representation by CIC that the information and materials contained in or accessed through this website is appropriate or available for use in geographic areas or jurisdictions other than Singapore. By accessing this website, you agree that such access, as well as these terms and conditions shall be governed by, and construed in accordance with, the laws of Singapore and you agree to submit to the non-exclusive jurisdiction of the Singapore courts.