This site is owned and operated by Learning Society and Citi and contains material, article and other sources ("material"), and is protected by copyright and trademark laws.

Learning Society and Citi have made available this content for non-commercial educational and scholarly use only. The provision of organizational information, contact information or programme descriptions does not constitute a formal endorsement of the programme or organization.

Access to and use of this site is provided by subject to the following Terms and Conditions.

Use of this site constitutes your acceptance of these terms and conditions which take effect on the date which you first use the site. Learning Society and Citi reserve the right to change these terms and conditions at any time by posting changes online. You are responsible for reviewing regularly information posted online to obtain timely notice of such changes. Your continued use of this site after changes are posted constitutes your acceptance of this agreement as modified by the posted changes.

You are not permitted to modify, copy, reproduce, republish, upload, post, distribute, broadcast, download, store (in any medium), transmit, show or play in public, adapt or change in any way any material from this site for any purpose other than non-commercial educational or scholarly use without the prior written permission of Learning Society and Citi or third party.

You agree to use this site only for lawful purposes, and in a manner which does not infringe the rights of, or restrict or inhibit the use and enjoyment of this site by any third party.

The organizations have made the materials available to the Citi/Learning Society Financial Education Exchange and approved its use on the FinEdx website for non-commercial educational and scholarly use only. Neither Learning Society nor Citi is liable for the quality or accuracy of the materials, although every effort has been made to ensure that the site features only the highest quality materials.

Indeed the materials in this site are provided "as is" and on an "is available " basis without any representation or endorsement made and without warranty of any kind whether express or implied. In no event will Learning Society and Citi be liable for any damages including, without limitation, indirect or consequential damages, or any damages whatsoever arising from use or loss of use, data, or profits, whether in action of contract, negligence or other tortious action, arising out of or in connection with the use of the site. Learning Society and Citi do not warrant that the functions contained in the material contained in this site will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the materials. The names, images and logos identifying Learning Society and Citi, or third parties and their products and services are proprietary marks of Learning Society, Citi and/or third parties. Nothing contained herein shall be construed as conferring by implication, estoppels or otherwise any license or right under any trade mark or patent of Learning Society, Citi or any other third party.

If there is any conflict between these Terms and Conditions and rules and/or specific terms of use appearing on this site relating to specific material then the latter shall prevail.

This agreement is effective until terminated by either party. You may terminate this agreement at any time by discontinuing your use of the site and destroying all materials obtained from it. If these Terms and Conditions are not accepted in full, the use of this site must be terminated immediately.

These Terms and Conditions shall be governed by and construed in accordance with the laws of Republic of Singapore. Disputes arising here from shall be exclusively subject to the jurisdiction of the courts of Republic of Singapore.