Terms of Service

Last updated: 8 October 2026.

These terms govern your use of the Panthera Insight mobile app (the "app"), provided by Panthera International Asia Capital Pte. Ltd. ("Panthera", "we", "us"), an entity regulated by the Monetary Authority of Singapore (MAS) under Capital Markets Services Licence CMS101735. By installing or using the app you agree to these terms. If you do not agree, please do not use the app.

1. Eligibility and access

The app is provided only to existing clients of Panthera who have been individually invited by our portfolio operations team. Access is granted by issuing a sign-in code to your registered email address. We may suspend or terminate access at any time, including if our business relationship with you ends or if we believe access has been misused.

The availability of the app in any app store region does not mean that it is directed at, or intended for use by, persons in that jurisdiction. The app is not directed at any person in any jurisdiction where its availability or use would be contrary to local law or regulation.

2. What the app is — and is not

The app provides read-only portfolio reporting: valuations, positions and historical performance that Panthera has prepared for you.
The app does not place trades, hold funds, process payments, or transmit money.
The app does not constitute financial advice, a recommendation to invest, or an offer to buy or sell any financial product.

Past performance is not a reliable indicator of future results. Investments can fall as well as rise. Decisions about your portfolio should be discussed with your Panthera relationship manager.

3. Your responsibilities

Keep your sign-in email and device secure. Anyone with access to either can request sign-in codes for your account.
Notify us promptly at it@pantherafo.com if you suspect unauthorised access.
Do not attempt to access, probe, modify or disrupt the app or our servers beyond the access we have granted you.
Do not reverse-engineer, decompile or extract source code from the app, except to the extent permitted by mandatory law.

4. Intellectual property

The app and its content are owned by Panthera or its licensors. You receive a limited, revocable, non-transferable licence to use the app for your personal access to your own reporting. No other rights are granted by these terms.

5. Third-party services

The app uses third-party services to operate (see the Privacy Notice for the list). Those services have their own terms; we manage them as sub-processors but we are not responsible for their independent acts or omissions beyond what our contracts require.

6. Disclaimers

The app is provided "as is" and "as available". To the maximum extent permitted by law, we exclude all implied warranties, including warranties of merchantability and fitness for a particular purpose. Reports are prepared with reasonable care but may contain pricing or timing differences relative to the underlying custodian records; in case of conflict the custodian records prevail.

7. Limitation of liability

To the maximum extent permitted by law, Panthera is not liable for indirect, incidental, consequential or special damages arising from your use of the app. Nothing in these terms excludes liability that cannot be excluded under applicable law (including fraud, death or personal injury caused by negligence, and any non-excludable consumer rights).

8. Termination

You may stop using the app at any time. You may delete your account in-app (Settings → Delete account) or at delete-account.html. We may terminate or suspend your access where these terms have been breached or where our underlying client relationship ends.

9. Governing law and disputes

These terms are governed by the laws of Singapore. Disputes arising out of or in connection with these terms are subject to the exclusive jurisdiction of the courts of Singapore, save where mandatory law in your country of residence gives you the right to bring proceedings in your local courts.

10. Changes to these terms

We may update these terms. The "Last updated" date at the top of this page reflects the most recent change. Material changes will also be flagged in-app where reasonable. Continued use after a change indicates acceptance of the updated terms.

11. Contact

Questions about these terms, data-protection enquiries, or any other aspect of the app, may be sent to it@pantherafo.com.