This website (www.unicorn.sg) and all of its content has not been reviewed by the Monetary Authority of Singapore.
These legal notices, which include disclaimers of liability, govern your use of this website. Please read them carefully. The website is designed to be accessed through its main section pages, which carry information relevant to the subsequent pages. If you access individual pages directly, you may not see legal and regulatory information, which must be read with the appropriate pages.
The content of this website and the products and services featured are addressed only to the Singapore market. The website is not intended for use by persons or organisations in jurisdictions that prohibit the promotion or provision of any of the products or services featured. Unicorn Financial Solutions Pte Limited (‘Unicorn’) only provides services or products in jurisdictions where and when they may be lawfully offered.
Suitability of Services
The advertisement of any services or products on the website, and any statements made about any particular services or products are indications only of the services offered by Unicorn and do not constitute a warranty by Unicorn that any such services is suitable for you and nothing on this website should be construed as a solicitation or offer or recommendation to buy or sell securities or any other investment or product or to provide any investment advice or service.
Company and Regulatory Information
Unicorn is registered in Singapore. Business registration number 200501540R.
Registered Office: 538 Geylang Road, The Arizon #02-09 Singapore 389493
Unicorn is licensed in Singapore as a financial adviser under the Financial Advisers Act. Its licence allows it to provide the following financial advisory services:
Unicorn is also a Registered Fund Management Company under paragraph 5(1)(i) of the Second Schedule to the Securities and Futures (Licensing and Conduct of Business) Regulations.
Past performance is not necessarily a guide to future performance. The value of any investments, and the income from them, may fall as well as rise and you may not recover the value of your investment. Changes in rates of exchange may cause the value of the investments that involve exposure to a foreign currency to go up or down. Tax reliefs available under current legislation may change, and their availability and value depend on individual circumstances.
If for any reason you have any cause for complaint about the way in which Unicorn has performed its duties, you should immediately contact Unicorn who will deal with the complaint. A copy of Unicorn’s complaint handling procedures is available on request. In any event, you have the right to complaint directly to the Monetary Authority of Singapore.
If you want to commend us on our service, or if you have a complaint about us, please inform our consultant looking after you, or call Mr Kelvin Poon (Compliance) at 6887 3885.
Personal data protection policies and practices contact Mr Kelvin Poon (Complaince) at 6887 3885.
Third-Party Websites and Products
You may not link any other website to this website without obtaining the prior written consent of Unicorn.
This website may from time to time contain hyperlinks to other website, which may not be regulated by the Monetary Authority of Singapore and which are hosted and maintained by third parties. Unicorn has no control over the security or content of these sites and you use these sites at your own risk.
Suspicious Letters or Emails, Scams and Frauds
Please be aware that fraudsters may pose as someone from Unicorn to carry out scams or frauds. Usually these will originate by email and may involve offering a large sum of money. The key to the scam is persuading you to enter into communication with the fraudster and obtaining your identity details. If you receive an email of this nature claiming to be from Unicorn or someone at Unicorn, you should be very cautious about corresponding with the sender.It is highly unlikely that is originates from us. Please note that we may not respond to individual enquiries about emails of this nature and that neither Unicorn nor any of its directors, employees, appointed representatives or contractors will be responsible for any losses incurred by any such scam or fraud.
Information on this site is for personal use only and may not be reproduced, stored or distributed to any other person or incorporated in a document without Unicorn’s written permission.
This website is provided on an “as is” basis. Unicorn disclaims all warranties and conditions, including without limitation all express or implied warranties or conditions as to satisfactory quality, availability, fitness for purpose, or as to the accuracy, completeness or currency of the information provided on this website. In no event shall Unicorn be liable for any indirect or consequential damages including without limitation loss of profit or opportunity, incurred by you arising out of your use, misuse or inability to use this website.
Singapore Law shall govern this website (including these legal notices) and the Singapore courts shall have exclusive jurisdiction over any disputes arising from this website. The contents of this website are subject to change without notice.
Code of Conduct for Representatives and Employees
Unicorn Financial Solution Limited (‘Unicorn’) is committed to maintaining high levels of ethics, professionalism and service in its dealings with clients. It is committed to dealing fairly with its clients, so that:
Unicorn handles complaints in an independent, effective and prompt manner.
Unicorn will conduct its business with honesty, fairness, integrity and professionalism in order to maintain good faith and to preserve s3 trust in the financial services industry.
Unicorn will not engage in any conduct involving fraud or dishonesty, or commit any act that reflects adversely on its honesty or trustworthiness or that compromises its integrity.
Unicorn will exercise reasonable care and judgement to achieve and maintain objectivity in conducting its business.
Unicorn will avoid situations that might impair its ability to make objective recommendations.
Unicorn will implement and maintain proper procedures to preserve the confidentiality of information it receives from a client or which relates to a client.
Unicorn will not disclose to any person any information given by a client unless:
Personal data protection policies and practices contact Mr Kelvin Poon (Compliance) at 6887 3885.
Unicorn will act with competence and strive to maintain the necessary knowledge and expertise in its business activities.
Unicorn will provide advice only in those areas in which it has the necessary competence and skills. Where Unicorn is not professionally competent in a specific area, it will consult other qualified professionals or advise clients to seek the advice of other qualified professionals.
Unicorn will ensure that any person it employs or appoints to conduct business for or with clients is suitably qualified and competent, and that the person possesses the relevant professional training or experience to act in the capacity in which he or she is so employed or appointed.
Unicorn will provide its representatives with relevant training so as to enhance their competence, knowledge and skills.
Representatives and employees of Unicorn will keep abreast of advances in the financial services industry and participate in continuing education throughout their professional careers with Unicorn in order to maintain the necessary competence, knowledge and skills in all the business activities in which they are engaged.
Unicorn operates a structure without tiers; it will maintain in place arrangements to enable it properly to supervise its representatives.
Due Care and Diligence
Unicorn will act with due care and diligence in conducting its business activities.
Unicorn will take all reasonable steps to process client orders promptly, in accordance with the instructions of clients and on terms that Unicorn reasonably considers appropriate in the circumstances, and that have been disclosed to and agreed with clients.
Unicorn will use its reasonable endeavours to ensure that its clients receive prompt written confirmation or documentation that clients’ orders have been executed.
Unicorn will maintain adequate systems and processes to ensure proper supervision of its representatives and employees and their activities; its representatives and employees are required to cooperate fully in the spirit of achieving the high standards of practice to which Unicorn aspires.
Disclosure to Clients
Unicorn will provide clients with adequate information about its business, including its business address and telephone number. It will also disclose the types of financial advisory service it is authorised to provide, including the type of investment products on which it is allowed to give advice or market to clients.
When making a recommendation on an investment product, Unicorn will make adequate disclosure of all material facts relating to the key features of the product, including:
When making a recommendation on an investment product to a client, Unicorn will take all reasonable steps to determine the client’s financial objectives, tolerance of risk and volatility, financial situation, investment experience and particular needs.
Unicorn will make all reasonable efforts to ensure that its recommendations are suitable for the client, taking into account the information it has obtained from the client. It will make all reasonable efforts to ensure that its recommendations are based on thorough analysis and take into account alternative investment options.
Unicorn will explain to the client the basis for its recommendation and why the investment product it is recommending is suitable for the client.
Unicorn will not use any rebate of commissions as the basis for its recommendation.
Unicorn will keep records of all information it has obtained from its client, the recommendations made to the client and the basis of its recommendations.
Unicorn’s management will regularly review these records to evaluate the suitability of the recommendations made by representatives and employees.
Unicorn will take all reasonable steps to establish the true and full identity of its clients and will ensure it complies with the “know your client” due process on Prevention of Money Laundering and Countering the Financing ofTerrorism issued by the Monetary Authority of Singapore (currently set out in MAS Notice No. FAA-N06).
Conflicts of Interest
Unicorn will use its reasonably best endeavours to act in the best interests of its clients when providing financial advisory services to its clients. It will disclose in writing to the client any actual or potential conflicts of interest arising from any connection to or association with any product provider, including any material information or facts that might compromise its objectivity or independence in the carrying on of financial advisory services.
In assigning duties, Unicorn will not place its representatives or employees in situations where conflicts ofinterest may arise; it will ensure that there is proper segregation of duties to minimise any possible conflicts of interest.
Unicorn will maintain adequate procedures and processes for handling complaints relating to its financial advisory business.
It will ensure that:
Compliance with Laws and Regulations
Unicorn will maintain adequate knowledge of and comply with all applicable laws, rules and regulations relevant to its business activity.
Unicorn will take all reasonable steps, including the establishment of internal procedures, to ensure that any person it employs or appoints to conduct business for or with clients is conversant and complies with all applicable laws, rules and regulations relevant to its business activity.
Common Effort to Achieve Desired High Standards
Employees and representatives will use their best endeavours to ensure that Unicorn operates to the standards set out in this Code of Conduct and with its other procedures and methodologies as adopted from time to time.