Terms and Conditions
These Terms and Conditions govern your access to and use of our site and the financial planning information and services described on it. By using our site, you agree to comply with these terms.
1. About Our Services
Our service provides information about annual financial planning, investment strategies, retirement planning, wealth management, and risk assessment. The information on our site is intended to help visitors understand our areas of expertise and the types of services that may be available.
Information published on our site is general in nature and does not constitute personal financial advice, investment advice, tax advice, legal advice, an offer, or a recommendation to buy or sell any financial product. Any recommendation or financial plan should be considered only after an appropriate assessment of your circumstances, objectives, risk tolerance, and financial situation.
2. Use of the Site
You may use our site only for lawful purposes and in a manner that does not interfere with its operation, security, or availability. You must not:
- Use our site to commit or encourage unlawful, fraudulent, or misleading conduct.
- Attempt to gain unauthorised access to our systems, data, or security features.
- Copy, reproduce, modify, distribute, or commercially exploit site content without permission.
- Upload or transmit harmful code, malicious software, or material that may damage or disrupt our site.
3. Financial Risks and Suitability
Investments and other financial strategies involve risks, including the possible loss of capital. Past performance is not a reliable indicator of future results. Market conditions, inflation, interest rates, taxation, fees, and personal circumstances may affect the outcome of any financial strategy.
You are responsible for providing accurate and complete information when seeking financial planning services. You should consider whether any strategy or financial product is suitable for you and obtain independent professional advice where appropriate.
4. Information Accuracy
We aim to keep the information on our site accurate and current, but we do not guarantee that all content is complete, accurate, uninterrupted, or suitable for every person. Content may be changed, updated, or removed without notice.
You should not rely solely on information presented on our site when making financial, investment, retirement, or wealth management decisions.
5. Intellectual Property
Unless otherwise stated, the text, design, graphics, logos, and other materials on our site are owned by or licensed to our business. They are protected by applicable intellectual property laws and may not be used beyond what is permitted by these terms or applicable law.
6. Third-Party Content and Links
Our site may contain references or links to third-party websites, services, tools, or information. These are provided for convenience only. We do not control or endorse third-party content and are not responsible for its accuracy, availability, security, or privacy practices.
7. Privacy and Personal Information
Any personal information collected through our site or in connection with our services will be handled in accordance with our applicable privacy practices and Singapore law. You should avoid submitting sensitive financial information through unsecured or inappropriate channels.
8. Disclaimers and Limitation of Liability
To the fullest extent permitted by law, our site and its content are provided on an “as available” basis without warranties of any kind, whether express or implied. We do not guarantee that our site will always be secure, error-free, uninterrupted, or free from harmful components.
To the fullest extent permitted by law, we are not liable for losses arising from your reliance on general information on our site, investment or market changes, service interruptions, third-party content, unauthorised access, or your use of any financial strategy without appropriate professional assessment.
9. Indemnity
You agree to indemnify and hold harmless our business and its personnel from claims, losses, liabilities, costs, and expenses arising from your breach of these terms, misuse of our site, violation of applicable law, or infringement of another person’s rights.
10. Suspension and Termination
We may suspend, restrict, or terminate access to our site where we reasonably believe that you have breached these terms, created a security risk, used the site unlawfully, or where operational or legal requirements make this necessary.
11. Changes to These Terms
We may update these Terms and Conditions from time to time to reflect changes to our services, legal requirements, or site operations. Updated terms will apply when published on our site. Your continued use of our site after an update indicates your acceptance of the revised terms.
12. Governing Law
These Terms and Conditions are governed by the laws of Singapore. Subject to applicable law, the courts of Singapore will have exclusive jurisdiction over disputes arising from or relating to these terms or your use of our site.
13. Physical Address
Pasir Panjang Road,
Singapore 119963
Singapore
14. Contact and Interpretation
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in effect. Any question regarding these terms may be directed to our business at the physical address stated above.