Legal

Terms of Service

Please read these terms and conditions carefully before using our services.

1. Acceptance of Terms

By accessing and using this website and our services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, you should not use our services or access this website.

2. Description of Services

Expats Singapore provides information, guidance, and advisory services related to financial planning, insurance, investments, and relocation services for expatriates in Singapore. Our services include but are not limited to financial advisory, insurance planning, investment guidance, and general relocation assistance. The content provided on this website is for informational purposes only and should not be construed as professional financial or legal advice.

3. Financial Advisory Services

Our financial advisory services are provided through representatives who are licensed and regulated under the relevant regulatory authorities in Singapore. When engaging our financial advisory services:

  • We will conduct a needs analysis to understand your financial objectives and risk profile
  • Any recommendations made will be based on the information you provide to us
  • You are responsible for providing accurate and complete information
  • Past performance of any financial product is not indicative of future performance
  • All investments carry risks, including the risk of loss of principal

4. User Responsibilities

When using our services, you agree to:

  • Provide accurate, current, and complete information
  • Maintain the confidentiality of any account credentials
  • Notify us immediately of any unauthorized use of your account
  • Not use our services for any unlawful purpose
  • Not attempt to gain unauthorized access to our systems or networks

5. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Expats Singapore or its content suppliers and is protected by Singapore and international copyright laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.

6. Limitation of Liability

To the fullest extent permitted by law, Expats Singapore shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services. Our total liability for any claims arising from your use of our services shall not exceed the amount you have paid to us in the twelve months preceding the claim.

7. Indemnification

You agree to indemnify and hold harmless Expats Singapore, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of our services or your violation of these Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Singapore.

9. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of our services after any such changes constitutes your acceptance of the new Terms.

10. Contact Information

If you have any questions about these Terms of Service, please contact us:

Last updated: December 2024