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Terms of Use

Terms and Conditions
Welcome to Loweringbeta.com. These Terms and Conditions are an agreement between you and Loweringbeta.com (“Lowering Beta”, “we”, or “us”), the owner and operator of this website (the “Site”).   By using and accessing this Site, you are agreeing to be bound by all of these terms and conditions. We may change these terms at any time, but we will post a notice on this Site of any material changes. Your continued use and access of our Site means that you accept any new or modified terms.

Financial Information Disclaimer and Warning 
All content found on this Site is to be used for general information only. Loweringbeta.com does not provide personalised financial advice and the information found here should not be relied upon as such.
The information provided does not take into consideration your specific circumstances, objectives or needs. You may want to consider obtaining independent personal advice before making any financial decisions.
By using this Site, you specifically agree that none of the information provided constitute financial or other professional advice.

Intellectual Property
All of the Content on our Site is protected by applicable copyright, trademark and other intellectual property laws and is the property of Loweringbeta.com and/or providers of the Content under license.  “Content” means any information, mode of expression, or other material and services found on the Site including without limitation our writings, graphics and all other features.
Our Content is intended for individual, non-commercial use only.   Accordingly, you may download or print one copy of any material provided that the material remains intact including without limitation all copyright and trademark notices.    Any other copying, distribution, storing, transmission or re-dissemination of any kind, is prohibited without Loweringbeta.com prior written permission.

Accessing and Using the Site
Unauthorised access of our Site is a breach of these Terms and Conditions.  You agree not to access the Site by any other means other than through the interfaces we provide for use.  You further agree not to use any automated means, including without limitation, agents, robots, scripts, or spiders, to access, monitor, copy or harvest data from any part of our site without our prior consent.   You also agree not to take any action that imposes an unreasonably or disproportionately large load on our infrastructure or disrupts or damages the functioning of our systems or services.

Links
This Site may include links to websites operated by third parties.   We have no control over such third party websites and services.  You therefore agree and acknowledge that Loweringbeta.com is not responsible for the content or services provided by any external website.

Disclaimer of Warranties and Liability
Loweringbeta.com does not warrant the completeness or accuracy of the Content or its usefulness for any particular purpose. Loweringbeta.com makes no promises that our Content will be delivered to you on an uninterrupted, timely, secure, or error-free basis. In fact, except as otherwise may be required by law, we are not making any promises or warranties except that we will do our best to provide interesting and helpful information, education, and entertainment.  All information provided on this Site is to be used on an “as is” and “as available” basis.
To the fullest extent permitted by law, neither Loweringbeta.com nor its employees, contractors, parent, affiliates or agents will be liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use, or downloading of any Content. This includes, but is not limited to, loss or injury caused in whole or in part by our negligence or by contingencies beyond our control in creating or delivering any portion of the Site.

Indemnification
To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Loweringbeta.com, its employees, contractors, parent, affiliates and agents from and against any claim, liability, cost, damage or loss we may incur (including, without limitation, legal fees) as a result of any violation by you of your obligations under these terms and conditions.

General Information
If any part of this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect.
These Terms and Conditions are governed by and interpreted in accordance with the laws of Singapore.