Terms and Conditions

These Terms and Conditions govern your access to and use of our online platform and the financial planning information and resources made available through this service. By using our site, you agree to comply with these Terms and Conditions. If you do not agree, please do not use our site.

1. Our Services

Our firm provides information about annual financial planning, investment strategies, wealth management, retirement planning, insurance advisory, and financial goal setting. The content on our site is intended to help users understand these topics and prepare for discussions about their financial circumstances.

Information published on our site may describe services that are subject to suitability assessments, client agreements, applicable laws, regulatory requirements, and our acceptance of an engagement. Accessing our site does not automatically create a financial advisory, fiduciary, agency, or client relationship.

2. No Personalised Financial Advice

Unless we have expressly agreed to provide you with a personalised service under a separate written engagement, the information on our site is general in nature and does not take account of your objectives, financial situation, risk tolerance, investment experience, insurance needs, or retirement circumstances.

You should obtain appropriate professional advice and carefully consider your own circumstances before making financial, investment, insurance, retirement, or wealth management decisions. You remain responsible for evaluating whether any strategy, product, or service is suitable for you.

3. Investment and Insurance Risks

Investments can fall as well as rise in value. Past performance, projections, illustrations, and examples are not reliable indicators of future results. You may lose some or all of the capital invested, and returns may be affected by market movements, interest rates, inflation, currency fluctuations, fees, taxes, liquidity constraints, and other risks.

Insurance products are subject to policy terms, exclusions, conditions, underwriting decisions, premiums, and the financial strength of the relevant insurer. No outcome, return, approval, coverage, or level of protection is guaranteed unless expressly stated in a binding agreement.

4. Use of Information and Resources

You may use our site and its resources only for lawful, personal, and informational purposes. You must not:

• Use our site in a way that violates any applicable law or regulation.
• Copy, reproduce, publish, distribute, sell, or commercially exploit our content without our prior written permission.
• Interfere with the operation, security, or availability of our site.
• Introduce malicious code or attempt to obtain unauthorised access to systems, accounts, or data.
• Use information from our site to provide unlicensed or unauthorised financial services to another person.

5. Accuracy and Availability

We aim to keep our content accurate and useful, but financial information, laws, regulations, products, rates, and market conditions can change without notice. We do not warrant that all content is complete, current, error-free, or suitable for every user.

Our site may be changed, suspended, restricted, or withdrawn at any time. We are not responsible for interruptions caused by maintenance, technical issues, third-party services, network failures, or circumstances beyond our reasonable control.

6. Third-Party Information and Links

Our site may refer to third-party products, services, publications, or websites. Such references are provided for convenience and do not constitute an endorsement, recommendation, or guarantee. We are not responsible for the content, availability, security, or privacy practices of third-party resources.

7. Intellectual Property

Unless otherwise stated, the text, design, graphics, logos, guides, calculators, and other materials on our site belong to our firm or are used with permission. All rights are reserved. Nothing in these Terms and Conditions transfers ownership or grants you a licence beyond the limited right to access and use our site for its intended purpose.

8. Privacy and Personal Information

Any personal information collected through our site will be handled in accordance with our applicable privacy practices and Singapore data protection requirements. You should avoid submitting sensitive financial, identity, account, or insurance information through an unsecured or inappropriate channel.

9. Fees and Separate Engagements

Any fees, commissions, charges, scope of work, conflicts disclosures, and service limitations will be set out in the applicable client agreement or other written terms. These Terms and Conditions do not by themselves establish an obligation for us to provide financial planning or advisory services.

10. Disclaimers and Limitation of Liability

To the fullest extent permitted by law, our site and its content are provided on an “as is” and “as available” basis. We disclaim warranties that cannot lawfully be excluded, including warranties of uninterrupted availability, suitability for a particular purpose, and freedom from errors or harmful components.

To the fullest extent permitted by law, we will not be liable for losses arising from reliance on general information, investment or insurance decisions, market movements, loss of data, interruption of access, or third-party content. Nothing in these Terms and Conditions excludes or limits liability that cannot lawfully be excluded or limited.

11. Indemnity

You agree to indemnify and hold our firm, its personnel, and service providers harmless from claims, losses, liabilities, costs, and expenses arising from your unlawful use of our site, breach of these Terms and Conditions, misuse of our content, or violation of another person’s rights.

12. Changes to These Terms

We may update these Terms and Conditions to reflect changes to our services, legal requirements, or site features. Updated terms will apply when published on our site. Your continued use of our site after an update constitutes acceptance of the revised terms.

13. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of Singapore. Subject to any mandatory dispute resolution or consumer protection rights, the courts of Singapore will have exclusive jurisdiction over disputes arising from or relating to these Terms and Conditions or your use of our site.

14. Severability and Entire Agreement

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue in effect. These Terms and Conditions, together with any applicable privacy notice and separate client agreement, form the entire understanding governing your use of our site.

15. Physical Address

Our firm is located at 8 Holland Avenue, Singapore 271008, Singapore.