Terms and Conditions

These Terms and Conditions govern your access to and use of our online platform and the financial planning services made available through this service. By using our site, requesting information, or engaging our services, you agree to comply with these Terms and Conditions.

1. Our Services

Our services are designed to support annual financial planning and may include investment strategy discussions, wealth management planning, retirement planning, estate planning, and risk assessment. The specific services provided to you will depend on your objectives, circumstances, information, and any separate engagement terms agreed with you.

Information published on our site is general in nature and is not a guarantee of investment performance, financial outcomes, or the suitability of any particular strategy.

2. No Guarantee of Results

Financial markets, economic conditions, tax rules, and personal circumstances can change. Past performance is not indicative of future results. We do not guarantee that any recommendation, plan, investment approach, or financial objective will be achieved.

3. Your Responsibilities

You are responsible for:

• Providing complete, accurate, and current information relevant to your financial circumstances.
• Informing us promptly of material changes to your income, assets, liabilities, goals, dependants, residency, or risk tolerance.
• Reviewing any plan or recommendation carefully and seeking independent professional advice where appropriate.
• Making your own decisions regarding financial products, investments, insurance, retirement arrangements, and estate planning.

4. Investment and Financial Risk

Investments and other financial arrangements may involve loss of capital, changes in value, liquidity restrictions, currency risk, interest rate risk, taxation consequences, and other risks. You should consider whether a proposed course of action is appropriate for you and obtain professional advice based on your individual circumstances.

5. Fees and Engagement Terms

Fees, charges, payment arrangements, scope of work, and applicable exclusions will be explained before services are provided or recorded in separate engagement terms. You agree to pay all amounts properly due under the applicable arrangement. Additional work requested by you may be subject to additional fees.

6. Use of Our Online Platform

You must use our site lawfully and must not:

• Use the site for fraudulent, unlawful, misleading, or unauthorised purposes.
• Attempt to gain unauthorised access to our systems, accounts, data, or security features.
• Copy, reproduce, modify, distribute, or commercially exploit site content without permission.
• Interfere with the operation, security, or availability of the site.

7. Intellectual Property

Unless stated otherwise, the content, design, text, graphics, and materials on our site belong to or are used by us with permission. You may view and use them for personal, non-commercial purposes only. No ownership rights are transferred to you.

8. Third-Party Information and Services

Our site may refer to third-party products, providers, resources, or websites. Such references are provided for convenience and do not constitute an endorsement or guarantee. We are not responsible for the content, availability, conduct, or terms of third parties.

9. Privacy and Personal Information

We may collect and use personal information necessary to provide financial planning services, administer our relationship with you, comply with legal and regulatory obligations, and operate our online platform. Personal information will be handled in accordance with our applicable privacy policy and Singapore law.

10. Service Availability

We aim to keep our site and services available, but we do not guarantee uninterrupted, timely, secure, or error-free operation. We may suspend, modify, or withdraw any part of the site or service where reasonably necessary for maintenance, security, legal, or operational reasons.

11. Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or economic loss, loss of profits, loss of opportunity, loss of data, or investment losses arising from your use of our site or reliance on general information provided through this service. Nothing in these Terms and Conditions excludes or limits liability that cannot lawfully be excluded or limited.

12. Suspension and Termination

We may suspend or terminate access to our site or services if you breach these Terms and Conditions, provide materially inaccurate information, fail to pay amounts due, or where suspension or termination is necessary to comply with law or protect our interests. Provisions that by their nature should continue will remain effective after termination.

13. Changes to These Terms

We may update these Terms and Conditions from time to time. Updated terms will apply from the time they are published on our site, unless a different commencement is required by law. Your continued use of the service after an update constitutes acceptance of the revised terms.

14. Governing Law and Disputes

These Terms and Conditions are governed by the laws of Singapore. The courts of Singapore will have jurisdiction over disputes arising from or relating to these Terms and Conditions, subject to any mandatory rights or remedies available under applicable law.

15. Contact and Registered Address

For written notices relating to these Terms and Conditions, you may write to us at:

These Terms and Conditions should be read together with any separate engagement terms and applicable privacy notice governing your relationship with us.