The information on this website is provided for your personal use only. The information provided is not commercial, financial, investment, accounting, tax or legal advice and should not be regarded as such. The resale, distribution or public display or use in any form or manner of the information is prohibited.
The information provided is of a general nature only and does not take into account your specific objectives, needs and financial situation. The information may not be appropriate to your individual needs. You should seek advice from your financial adviser before making any financial decisions.
The performance of this website and all information contained within, or accessed from the website are provided to you without warranties of any kind whatsoever, including any implied warranties or warranties of merchantability, fitness for a particular purpose or non-infringement of the rights of third parties. Standard Financial Planner (SFP) shall not be responsible or held liable for any problems or technical malfunction of any telephone network or computer on-line systems, servers, internet access providers, computer equipment, or software, including any injury or damage to your hardware or another person's hardware or software, as a result of using this website.
SFP reserves the right, at its sole discretion, to modify, disable and discontinue temporarily or permanently, any part or all of this website. We may alter or withdraw any information contained in this website, without liability or notice to you.
By visiting this website, you acknowledge and agree that any reliance on or use of the information available on this website shall be entirely at your own risk. In no event will SFP nor any of its data providers be liable for any direct, indirect, consequential or exemplary damages arising from the use or the performance of this website.
This message contains privileged and confidential information from the Professional Investment Services Group of Companies. If you are not the intended recipient of this electronic message, please do not disseminate, copy or take any action in reliance on it. We request you notify us immediately before deleting this message. Any views expressed in this message or attachment/s are those of the individual sender, and are not necessarily the views of the Group.
The Professional Investment Services Group of Companies uses virus scanning software and while due care and attention is taken, the Professional Investment Services Group of Companies excludes all liability for any loss or damage caused whether directly or indirectly by any computer virus or other defects transmitted with any email and any attachment(s), to the extent permitted by law. It is sent on the strict condition that the user carries out and relies on its own procedures for ensuring that its use will not interfere with the recipient\'s systems including but not limited to scanning this email and any attachment(s) for viruses and defects before opening or sending them on. The recipient assumes all risk of use and releases the sender from all responsibility and liability for any direct or indirect consequence of use.
At SFP, we recognise that your privacy is important and we are committed to maintaining your privacy and the confidentiality of your personal information which you provide on this website.
We collect your personal information to facilitate financial planning, financial services, insurance policies or related services, and to update our records. On or prior to us collecting your personal information, we will take reasonable steps to inform you why we are collecting that personal information, who we might disclose your personal information and what may happen if you do not provide personal information to us.
Use and Disclosure
We are subject to certain legislative and regulatory requirements that require us obtaining and holding detailed information that personally identifies you and/or contains information on you. In addition, our ability to provide you with comprehensive financial planning advice and associated services, is dependent on us obtaining your personal information, including:
- employment details and employment history;
- details of your financial needs and objectives;
- details of your investment preferences and aversion or tolerance to risk;
- details of your current financial circumstances, including your assets and liabilities (both actual and potential), income, expenditure, etc.
- information about your employment history, employment circumstances, family structure, commitments and social security eligibility;
- any other relevant information including medical history and/or reports required for the purposes of risk insurance.
SFP may use your personal information for the purpose of providing you with direct marketing material such as articles of interest. You may request not to receive such information and your request will be effected. Please allow two weeks for your request to be implemented.
We are required to collect sufficient information to ensure appropriate advice can be given in respect of recommendations made to our clients. If you elect not to provide us with the personal information you may be exposed to higher risks in respect of the recommendations made to you and this may affect the adequacy or appropriateness of advice given to you.
We endeavour to take reasonable steps to protect the information we retain from misuse, loss and from unauthorised access, modification or disclosure. We will not retain any of your information for any longer than it is required by us, except to satisfy legal requirements.
The information we collect from you may also be disclosed to third parties if the disclosure is required by or permitted by law, or pursuant to the direction of the regulatory authority in Malaysia.
In the event that we propose to sell our business we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Any such disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of our business is affected, we may transfer your personal information to the purchaser of the business. As a client you will be advised of any such transfer.
Access and Correction
You may access the personal information we retain and request corrections. This right of access is subject to some exceptions allowed by law.
We will not provide you access to personal information which would reveal any confidential formulae or the detail of any in-house evaluative decision making process, but may instead provide you with the result of the formulae or process or an explanation of that result.
SFP reserves the right to charge a fee for searching for and providing access to your personal information. In the event we refuse you access to your personal information, we will provide you with an explanation for that refusal.
We will endeavour to ensure that at all times the personal information about you that we hold is up to date and accurate. The accuracy of the personal information is dependant to a large degree on the information you provide and you should advise us if there are any errors in your personal information.
In some circumstances we are required to collect government identifiers, for example, your Identity Card Number. We will not use or disclose this information other than when required to do so by law or, when consented to by you.
You may deal with us anonymously where it is lawful, practicable and reasonable to do so.
We will not collect sensitive information about you, without your consent. Exceptions to this include where the information is required by law, or for the establishment, exercise or defence of a legal claim.