Terms & Conditions

Terms and Conditions — Singapore Finance

Effective Date: 20 August 2025

1. Introduction

Welcome to Singapore Finance (the “Website”). These Terms and Conditions (“Terms”) govern your use of our Website and any content, features, or services provided through it. By accessing or using this Website, you confirm that you accept these Terms in full. If you do not agree to these Terms, you must discontinue use of the Website immediately.
The Website is operated by Singapore Finance Pte. Ltd. (“Singapore Finance”, “Company”, “we”, “our”, or “us”). We publish content for educational and informational purposes only. We are not a financial advisory firm, nor are we licensed under the Financial Advisers Act (Cap. 110) of Singapore. Nothing on this Website constitutes financial advice.
Throughout these Terms:

“User”, “you”, or “your” refers to any individual accessing or using the Website.
“Advisers” refers to financial advisers licensed by the Monetary Authority of Singapore (MAS) with whom users may be connected through the Website.
“Content” refers to articles, reviews, tools, and other material published on the Website.
Your continued use of the Website constitutes agreement to these Terms, our Privacy Policy, and our Disclaimer Notice.

2. No Financial Advice

Singapore Finance does not provide financial advisory services.
All articles, tools, guides, and resources on the Website are general in nature and should not be construed as financial advice.
Financial decisions are inherently personal and dependent on your unique circumstances. Our content is not tailored to your specific financial situation.
If you require advice, you must consult an MAS-licensed financial adviser.
No adviser–client relationship is created between you and Singapore Finance by your use of the Website.

3. Educational Content

The Website exists solely to:

Provide Singaporeans with clear, accessible financial education.
Offer comparisons, reviews, and articles on insurance, investments, planning, and related topics.
Facilitate connections between users and MAS-licensed financial advisers.
We do not guarantee that the content is accurate, complete, or up to date. All content is for reference only.

4. Adviser Connections

We may connect you with MAS-licensed financial advisers. Please note:

Any engagement is strictly between you and the adviser.
Singapore Finance is not party to any agreement, discussion, or relationship established between you and an adviser.
We do not warrant, guarantee, or endorse the suitability, competence, or quality of any adviser.
Advisers in our network are independent and do not represent Singapore Finance.
We are not liable for the advice, recommendations, or services provided by advisers.

By using this Website, you acknowledge that:

You are solely responsible for conducting your own due diligence before engaging an adviser.
You release Singapore Finance from liability for any outcomes resulting from your dealings with advisers.

5. User Obligations

By using the Website, you agree to:

Use the Website only for lawful purposes.
Not misuse or interfere with the operation of the Website.
Not attempt to copy, reproduce, or republish content without permission.
Provide accurate information if you submit queries, forms, or referrals.
Not impersonate others or misrepresent your identity.

6. Intellectual Property

Unless otherwise stated, all intellectual property rights in the Website and its content belong to Singapore Finance or its licensors.
You may use the Website for personal, non-commercial purposes only.

You must not:

Republish, sell, or sub-license content.
Copy, reproduce, or redistribute material.
Modify or adapt any content without written consent.

7. Cookies

The Website uses cookies to improve your browsing experience. By continuing to use the Website, you consent to the use of cookies in accordance with our Privacy Policy. Cookies may be used for:

Saving user preferences.
Tracking anonymous usage statistics.
Supporting advertising and affiliate programs.
You may disable cookies via your browser, but certain features of the Website may not function properly.

8. Third-Party Links

The Website may contain links to third-party websites or services.
Singapore Finance has no control over, and assumes no responsibility for, the content, policies, or practices of such websites.
The inclusion of a link does not imply endorsement.
You access third-party links at your own risk.

9. User-Generated Content

Users may post comments, reviews, or feedback. By submitting content, you agree that:

You have the rights and consent to publish it.
Your content does not infringe copyright, trademark, or privacy rights.
Your content is not defamatory, obscene, unlawful, or harmful.
Singapore Finance may use, edit, and display your content for editorial or promotional purposes.
We reserve the right to monitor, edit, or remove any user-generated content that breaches these Terms.

10 Restrictions on Use

You must not:

Use the Website in a manner that causes harm or disruption.
Introduce viruses, malware, or malicious code.
Attempt to gain unauthorised access to systems or data.
Engage in data scraping or automated data collection without consent.

11. Limitation of Liability

To the fullest extent permitted by law:

Singapore Finance excludes all warranties, guarantees, and representations regarding the Website and its content.
We are not liable for:
- Any direct, indirect, incidental, or consequential damages arising from your use of the Website.
- Loss of income, profits, data, goodwill, or business opportunities.
- Reliance on content provided on the Website.
We do not warrant that the Website will always be available, error-free, or secure.
Nothing in these Terms excludes liability for death, personal injury, fraud, or any liability that cannot be excluded under Singapore law.

12. Indemnity

You agree to indemnify and hold harmless Singapore Finance, its officers, employees, contractors, and affiliates from and against all claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising out of or related to:

Your use of the Website.
Your breach of these Terms.
Your violation of any law or third-party rights.

13. Disclaimer

The Website is provided “as is” and “as available”.
We make no representations or warranties of any kind about:
- The accuracy, reliability, or completeness of content.
- The availability or performance of the Website.
- The outcomes of using information or connecting with advisers.
All investments and financial products carry risk. You should seek professional advice before making decisions.

14. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect personal data.

15. Termination

We reserve the right to:

Suspend or terminate access to the Website for any reason.
Remove or restrict content that breaches these Terms.
Refuse service to users who misuse the Website.

16. Governing Law & Jurisdiction

These Terms are governed by the laws of Singapore. Any disputes shall be subject to the exclusive jurisdiction of the courts of Singapore.

17. Amendments

We may update these Terms from time to time. Changes take effect when published on the Website. By continuing to use the Website after changes are made, you accept the revised Terms.

18. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer Notice, constitute the entire agreement between you and Singapore Finance regarding use of the Website.

19. Contact

For questions or concerns regarding these Terms, please contact us:
📧 legal@singaporefinance.sg

PPDA Notice

Effective date: 23 September 2025
Last updated: 23 September 2025
At Singapore Finance, safeguarding your personal data is a responsibility we take seriously. This Notice explains how we collect, use, store, and disclose your information in compliance with Singapore’s Personal Data Protection Act 2012 (“PDPA”). It also explains your rights and how you can exercise them.

What Personal Data Means

For this Notice, “personal data” refers to any information that identifies you as an individual, whether directly (e.g., name, email, phone number) or in combination with other data available to us. Examples include:

Contact details such as mobile number, email address, or mailing address.
Identification details such as date of birth, gender, or nationality.
Financial information you choose to share with us.
Employment or demographic details relevant to our services.

This Notice applies to all individuals who interact with us, whether as visitors to our website, subscribers to our content, or individuals who choose to be introduced to licensed financial advisors.

How We Collect Data

We collect data in three main ways:

Directly from you — when you fill out forms, subscribe to updates, request a connection to an advisor, or contact us for support.
Through your activity — for example, browsing behaviour on our website or preferences you indicate through settings and cookies.
From trusted partners — only when you have authorised them to share your information with us.
We never collect more than what is necessary, and we always inform you of the purpose before doing so, unless the PDPA permits otherwise.

Why We Use Your Data

Your data may be processed for purposes such as:

Providing information or services that you request.
Introducing you to licensed financial advisors if you ask us to.
Managing subscriptions, enquiries, or user accounts.
Improving our website, content, and tools.
Meeting our legal and regulatory obligations.
Sending you updates, newsletters, or marketing—only if you have given consent.
We use your data strictly for the purposes you consent to, and we do not sell your personal data to third parties.

Sharing of Personal Data

We may share your information in limited circumstances:

With service providers that support our operations (such as IT hosting or analytics).
With licensed financial advisors when you request to be connected.
With regulators or law enforcement where legally required.
In all cases, we ensure that your information is handled responsibly and only to the extent necessary.

Your Consent and Control

Consent: By providing your personal data, you agree to our collection and use of it for the stated purposes.
Withdrawal: You may withdraw consent at any time by emailing our Data Protection Officer (DPO) at support@singaporefinance.sg. Do note that withdrawing consent may affect our ability to continue providing certain services.
Access and Correction: You may request access to the personal data we hold about you, or ask for corrections if the information is inaccurate or outdated. Reasonable fees may apply for access requests.

Safeguarding Your Data

We adopt a layered approach to protect your personal information, including:

Restricted access controls on a need-to-know basis.
Encryption and secure storage of sensitive data.
Regular monitoring of our systems and updates to security protocols.
Secure disposal of data when no longer needed.
While no system is foolproof, we are committed to continuously strengthening our safeguards.

Retention of Data

Your personal data will only be retained for as long as necessary to fulfil the purpose for which it was collected, or as required by law. Once it is no longer needed, we will either securely dispose of it or anonymise it so that it can no longer be linked back to you.

Overseas Transfers

As a rule, we keep personal data within Singapore. If it becomes necessary to transfer information outside Singapore, we will first seek your consent and ensure the receiving organisation provides protection comparable to the standards of the PDPA.

Updates to This Notice

We may update this Notice periodically to reflect changes in laws, technology, or our practices. The most recent version will always be published on our website with the effective date clearly stated. By continuing to use our services after changes take effect, you are deemed to have accepted the updated Notice.

Contacting Our Data

Protection Officer
If you have any questions, feedback, or requests about how we handle your personal data, you may contact our DPO:
Data Protection Officer
Email: support@singaporefinance.sg

Final Note

This Notice should be read together with our Terms & Conditions and Privacy Policy. By engaging with Singapore Finance, you acknowledge and agree to the practices described above.