Terms of Use

Please read the following carefully. If you do not agree to these terms when you use this website please leave this website immediately. By reading and/or utilizing any of the information on this site you are agreeing to the following Terms of Use.


The information contained in this website is provided as entertainment only and does not constitute financial advice. This website and the contents thereof provides general information only and does not take into account your individual objectives, financial situation or needs. The contents of this web site are not to be relied upon as a substitute for financial or other professional advice. The information is provided “as is” without express or implied warranty. Any person viewing these web pages must make their own independent inquiries before relying on any information provided in this website. You should assess whether the information is appropriate for you and talk with your financial or other professional adviser before making an investment or financial decision. based on the information on this site.This site and its contents are provided to you on “as is” basis. The site may contain faults, inaccuracies errors, and may not be complete and current.


Andrew Hallam makes no representations or warranties of any kind, express or implied as to the operation of this site or the information, content, materials or products included on this site.


Andrew Hallam, nor his affiliates, directors, officers, employees, agents, contractors, successors or assigns will be liable for any damages whatsoever arising out of, or in any way related to, the use of this site and any other site linked to this site. This limitation applies to direct, indirect, consequential, special, punitive or other damages you or others may suffer, as well as damages for loss of profits, business interruption or the loss of data or information.


Andrew Hallam warrants, and you accept, that Andrew Hallam is the owner of the copyright of the Databases of Links to articles and resources available from time to time through Andrew Hallam. Andrew Hallam and its contributors reserve all rights and no intellectual property rights are conferred by this agreement.

Andrew Hallam grants you a non-exclusive, non-transferable license to use database(s) accessible to you subject to these Terms and Conditions. The database(s) may be used only for viewing information or for extracting information to the extent described below.

You agree to use information obtained from Andrew Hallam’s databases only for your own private use or the internal purposes of your home or business, provided that is not the selling or broking of information, and in no event cause or permit to be published, printed, downloaded, transmitted, distributed, re-engineered, or reproduced in any form any part of the databases (whether directly or in condensed, selective or tabulated form) whether for resale, republishing, redistribution, viewing, or otherwise.

Nevertheless, you may on an occasional limited basis download or print out individual pages of information that have been individually selected, to meet a specific, identifiable need for information which is for your personal use only, or is for use in your business only internally, on a confidential basis. You may make such limited number of duplicates of any output, both in machine-readable or hard copy form, as may be reasonable for these purposes only. Nothing herein shall authorize you to create any database, directory or hard copy publication of or from the databases, whether for internal or external distribution or use.


This site and its contents are subject to copyright. The site material copyright is owned by Andrew Hallam or in the case of some material, a third party. You may view this site and its contents using your web browser and electronically copy and print hard copies of parts of this site solely for personal, non-commercial use. Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content of this site is strictly prohibited. Any Trademarks or brand names that are used on this site are the property of the respective owners.


This site will link to other sites. This should in no way be considered an endorsement of the companies or individual. Some of these links are affiliate links. Purchases you make through these links may result in commissions being paid.  If you use these links, Andrew Hallam take no responsibility and give no guarantees, warranties or representations, implied or otherwise, for the content or accuracy of these third-party sites.


We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Google Adsense and the DoubleClick DART Cookie.

For more information about Google Adsense and the DoubleClick DART Cookie, please visit the Privacy Policy page.

Regal Assets

The owners of this website may be paid to recommend Regal Assets. The content on this website, including the positive review of Regal Assets, the negative review of its competitors, and other information, may not be independent or neutral.


This website uses cookies. By using this website you consent to receive these cookies. For more information, please read the the Privacy Policy page.


Andrew Hallam reserves the right to modify, any of the information on this site at anytime without notification to the user. Your continued usage of the site means that you agree to the modified Terms of Use.


Your use of this website and any dispute arising out of such use of the website is subject to the laws of Singapore.