Terms and Conditions

These Terms and Conditions govern your access to and use of our online platform and the financial planning services provided by our firm. By using this service, you acknowledge that you have read, understood, and agree to be bound by these terms.

1. Scope of Services

Our firm provides financial planning services that may include annual financial planning, investment strategy development, wealth management, retirement planning, estate planning, and risk assessment. The specific services provided to you will depend on the agreed scope of work and any applicable engagement documentation.

Information presented through our online platform is intended to support the financial planning process. It may not constitute a complete assessment of your circumstances and should not be treated as a guaranteed outcome or a substitute for personalised professional advice.

2. No Guarantee of Financial Results

Investment values can rise or fall, and past performance is not a reliable indication of future performance. We do not guarantee investment returns, preservation of capital, achievement of financial goals, tax outcomes, or the success of any retirement, estate, or wealth management strategy.

You remain responsible for considering whether a recommendation or strategy is suitable for your objectives, financial position, risk tolerance, and personal circumstances.

3. Your Responsibilities

You agree to:

• Provide accurate, complete, and current information relevant to your financial circumstances.
• Promptly inform us of material changes to your income, assets, liabilities, objectives, residency, risk tolerance, or family circumstances.
• Review recommendations and documents carefully before taking action.
• Make your own decisions regarding investments, insurance, retirement arrangements, estate planning, and other financial matters.

4. Fees and Engagement Terms

Fees, charges, payment schedules, and the precise scope of our services will be set out in the applicable engagement terms or other written agreement. You agree to pay all amounts due in accordance with those terms. Additional work requested outside the agreed scope may incur additional fees.

5. Information and Third-Party Services

We aim to provide information that is useful and reasonably current, but we do not warrant that all content is complete, accurate, uninterrupted, or suitable for every person. Our recommendations may involve products, platforms, custodians, insurers, investment managers, legal advisers, tax advisers, or other third parties. Their services are subject to their own terms, fees, policies, and risks.

6. Privacy and Personal Information

We may collect, use, store, and disclose personal and financial information as reasonably necessary to provide our services, administer our relationship with you, meet legal and regulatory obligations, and protect our legitimate interests. Personal information will be handled in accordance with applicable Singapore laws and our privacy practices.

7. Intellectual Property

All content, materials, financial planning tools, text, graphics, and other resources made available through our online platform are owned by or licensed to our firm unless stated otherwise. You may use them for your personal, non-commercial purposes only and must not reproduce, modify, distribute, or exploit them without prior written permission.

8. Limitation of Liability

To the extent permitted by law, our firm will not be liable for losses arising from market movements, investment decisions, inaccurate or incomplete information supplied by you, actions or omissions of third parties, interruptions to the online platform, or events beyond our reasonable control.

Nothing in these Terms and Conditions excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

9. Suspension and Termination

We may suspend or terminate access to our online platform or end a service engagement where permitted by law, including where information provided is misleading, fees remain unpaid, continued service creates a conflict or compliance concern, or you breach these terms. Termination does not affect rights or obligations that arose before termination.

10. Changes to These Terms

We may update these Terms and Conditions from time to time to reflect changes in our services, legal requirements, or operational practices. Updated terms will apply from the time they are made available through our online platform, unless a different application date is required by law.

11. Governing Law

These Terms and Conditions are governed by the laws of Singapore. Subject to any mandatory dispute resolution requirements, the courts of Singapore will have exclusive jurisdiction over disputes arising from or relating to these terms or our services.

12. Contact and Notices

Questions or formal notices concerning these Terms and Conditions may be directed to our firm at: