By clicking on the button, you agree that all personal data provided by you in connection with this application may be collected, used and disclosed by Ricardo Insurance Agency Pte Ltd (“RIA”), its subsidiaries and affiliates (collectively, the “Ricardo Group”) and any of the service providers, agents, and/or insurer partners (the “Insurer”) for all purposes of or related to the administration and processing of the application, where relevant, for other internal purposes including business operations and customer service.

If you have provided us with the personal data of any third party in connection with this application, you represent and warrant that you have notified the relevant individual of the purposes of which his/her personal data will be collected, used and disclosed and have obtained such individual’s consent for the collection, use and disclosure of his/her personal data by Ricardo Group and the Insurer for the purposes listed above and that you are authorised by such individual to provide such consent on his/her behalf.

The information provided as part of this application or shared by Ricardo Group is strictly for general informational purposes and they do not have regard to any specific objectives or situations and/or the particular needs of any specific person or circumstance. Such information and/or materials are not intended to be professional advice and are not a substitute for professional advice. They should not be regarded as an offer, recommendation, solicitation or advice by RIA to enter into a transaction for a product and/or service.

Accordingly, RIA and its subsidiaries, affiliates, directors, officers and employees make no representation or warranty, whether express or implied, as to accuracy, completeness and objectivity and accepts no responsibility or liability relating to any losses or damages howsoever suffered by any person arising from any reliance on the views expressed, the information and/or the materials provided. Please seek advice from your financial, legal, tax, medical or other appropriate advisers on your particular circumstances or needs. The materials provided shall not be re-produced, re-distributed, duplicated, copied, relied upon, or incorporated into derivative works, in whole or in part, by any person for whatever purpose. Any unauthorised use is strictly prohibited.

Where any product and/or services are provided and/or administered by separate external third-party providers (“Third Parties”), Ricardo Group assumes no liability or responsibility for any of such products and/or services offered by these Third Parties or their acts or omissions in offering them. The products and/or services offered by these Third Parties have not been certified by Ricardo Group and under no circumstances shall any product and/or service offered by these Third Parties be construed as an endorsement or recommendation of such product and/or service by Ricardo Group. Ricardo Group will not be responsible for any injury, loss or damage suffered as a result of use of the products and/or services (howsoever arising).