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Terms and Conditions for Navigator
Terms and Conditions for AvivaDirect

Important Notes
With effect from 1 January 2012, Monetary Authority of Singapore (MAS) require all retail investors who are investing in Specified Investment Product (SIP) which is neither listed nor quoted on a securities market or a futures market to go through a Customer Knowledge Assessment (CKA).

Customer Knowledge Assessment (CKA) is introduced to assess whether a retail investor possess the relevant knowledge or experience to understand the risks and features of unlisted Specific Investment Products (SIP) which are currently available on www.avivadirect.sg.

Customers who do not complete their CKA after 1 January 2012 will not be able to execute online purchases (including switches) themselves and will need to seek investment advice on whether the specific products are suitable for them before they can proceed with the purchase.

Customers who are assessed to possess the relevant knowledge and experience can opt to continue their investment activity without receiving any advice from Aviva. If retail investors opt to continue their investment activity without receiving advice, they would not be able to rely on Section 27 of the Financial Advisers Act to file a civil claim against Aviva.

Customers who are assessed not to possess the relevant knowledge or experience will be recommended to accept advisory help from Aviva Advisors.

All information found in this website is strictly for information purposes only, is made on a general basis, and should not be considered as an offer, or solicitation, to deal in any of the funds found in this website. The information has not been made in consideration of the investment objective, financial situation or particular need of any specific person or group of persons. Investors must make their own assessment of the relevance, accuracy and adequacy of the information contained in this website and are strongly encouraged to make their own investigations as may be appropriate for the purpose of that assessment, including understanding the investment risks involved. Decisions based on information contained in this website is the sole responsibility of the investor. Investment in any fund mentioned in this website is not intended to be a complete investment programme for any investor. Investments in any fund is subject to investment risks, including the possible loss of the principal amount invested, and it is recommended that the investor read and understand the relevant fund prospectus for a full description of the risk factors involved when investing in the available funds. Past performance is not indicative of future performance, and the value of the funds and any income from them may fall as well as rise.