Terms & Conditions

Information provided by the Bali Investment Club (BIC) is general in nature and does not take into consideration your personal financial situation. We are not financial advisors or professionals. None of the information we provide constitutes personal financial advice. We also do not accept any responsibility for the accuracy of prediction or our figures. Remember, the value of any investment can go down as well as up. Before acting on any information to make investments or acquire or dispose of financial products, you should consider seeking independent financial advice that is tailored to your needs. 

Message Web Site Content Limitations 

We make no guarantees as to the accuracy, thoroughness or quality of the information on this Site or through the Services, which is provided only on an “AS-IS” and “AS AVAILABLE” basis at User’s sole risk. This information may be provided by third parties and BIC shall not be responsible or liable for any errors, omissions or inaccuracies in the Site content. The information and investment, accounting, or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual. Some of the information is relevant only in Indonesia and may not be relevant to or compliant with the laws, regulations or other legal requirements of other countries. It is your responsibility to determine whether, how and to what extent your intended use of the information and Services will be technically and legally possible in the areas of the world where you intend to use them. You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose. In addition, the opinions and views expressed in any article on this Site are solely those of the author(s) of the article and do not reflect the opinions of BIC, its members or its management. The Site content and services may be modified at any time by us, without advance notice or reason, and BIC shall have no obligation to notify you of any corrections or changes to any Site content. 

Third Party Content 

Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this Site by third parties (“Third Party Content”) are solely those of their respective providers and not of BIC which does not guarantee the accuracy, completeness, reliability or usefulness of Third Party Content. It is the responsibility of the User to evaluate Third Party Content and BIC shall not be liable for any damage or loss caused by Users’ reliance on or other use of Third Party Content. 

Limitation of Liability 

You acknowledge that BIC will not be liable to you or your associates agents for any liability, claim, direct or indirect loss or lost opportunity or any other detriment suffered because of or in connection with your use, or reliance upon: 

  • the information or advice provided as part of the services or any other information accessed in connection with the Services or BIC social media, or other forums; 
  • your use, or reliance upon, the information in any external website, including a website which is referred to by a hyperlink from the Service; 
  • you making an investment or dealing in a financial product; 
  • the failure or poor performance of any investment or financial product; 
  • the failure of any investment or financial product to meet your expectations; any failure to meet any projections, or statements of future events, made in relation to any investment or financial product;
  • any misrepresentations whether by statement or omission by third-parties or any other defects in relation to any investments or financial products; 
  • any failure of BIC’s systems, including information technology and business systems; any advice, recommendations, representations or statements made by BIC or any other party in connection with the Services, BIC social media or other forums which you relied upon; and any services provided by, or representations or statements or opinions by a third-party, whether the third-party was recommended by BIC. 


BIC reserves the right to replace or update these terms and conditions at any time. We will provide notice of these changes by publishing our new terms and conditions on the BIC website and any replacement or update will be effective immediately. You should ensure that you regularly review our terms and conditions to take note of any changes. 

If there is any inconsistency between the Terms & Conditions and any other BIC documents, the current version of the Terms & Conditions prevails to the extent of the inconsistency unless it is specifically provided in writing and agreed by BIC that other terms should override the current Terms & Conditions. 

No Client Relationship. No Privilege. 

By answering questions, advisors do not intend to form, and do not form an advisor-client, planner-client, or any other direct privileged or professional relationship with any user of the BIC services or content. Please keep in mind that laws, regulations, other governing authorities, standards, practices and procedures that apply to your particular question may differ depending on your location. Additionally, none of the Third Party Content will be treated as private or confidential, nor is it protected by attorney-client, or any other privilege, and it may be read, collected, and used by BIC and others. 

Important Note 

BIC does not provide tax, accounting, legal, investment, or financial services. The information available through BIC Service’s and Events is provided by third parties and solely for informational purposes on an “as is” basis at user’s sole risk. The information is not meant to be, and should not be construed as advice or used for investment, financial planning, legal, accounting, or tax purposes. BIC makes no guarantees as to the accurateness, quality, or completeness of the information and BIC shall not be responsible or liable for any errors, omissions, inaccuracies in the information or for any user’s reliance on the information. User is solely responsible for verifying the information as being appropriate for the user’s personal use, including without limitation, seeking the advice of a qualified professional regarding any specific financial, legal, accounting, or tax questions a user may have. BIC is not endorsed by or affiliated with any state/provincial/territorial bar association or other legal or accounting membership organization or association, tax authorities, or agencies or associations, or the Financial Industry Regulatory Authority (FINRA) in the U.S., the Investment Industry Regulatory Organization of Canada (IIROC) or any other financial regulatory authority, agency, or association. 


If you have any queries with regards to our Terms & Conditions, please contact us at:

email: [email protected] 

phone: +62 812 8292 6954