Terms of Service

1. Introduction

Welcome to SingaWealth Financial Management. These Terms of Service ("Terms") govern your access to and use of the SingaWealth Financial Management website at https://oblepihovaya-sosiska.com (the "Site") and the financial services we provide.

By accessing our Site or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Site or services.

2. Definitions

Throughout these Terms, the following definitions apply:

• "SingaWealth," "we," "us," and "our" refer to SingaWealth Financial Management.
• "You" and "your" refer to you, as a user of our Site or services.
• "Services" refers to the financial management and advisory services provided by SingaWealth.
• "Content" refers to all information, text, graphics, photos, designs, logos, videos, and other materials that appear on our Site.

3. Services

3.1 Financial Services

SingaWealth provides a range of financial management services, including but not limited to retirement planning, investment management, insurance solutions, tax planning, estate planning, and property investment advice.

3.2 Service Eligibility

Our services are only available to individuals who are at least 18 years old and who can form legally binding contracts under applicable law. By using our services, you represent and warrant that you meet these requirements.

3.3 Professional Advice

The financial information provided on our Site is for general informational purposes only and should not be considered as personalized financial or investment advice. Proper financial and investment planning should involve a personalized review of your specific circumstances, goals, and requirements.

4. Client Engagement

4.1 Service Agreement

Before we provide any personalized financial services, you will be required to enter into a separate service agreement with us, which will outline the specific terms and conditions of our professional relationship.

4.2 Fees and Payment

Our fees for services will be outlined in your service agreement. Payment terms, methods, and schedules will also be specified in that agreement.

4.3 Client Responsibilities

To provide you with the most appropriate advice and services, you must provide us with accurate, complete, and up-to-date information about your financial situation, investment objectives, and risk tolerance. You are responsible for promptly informing us of any changes to this information.

5. Website Use

5.1 License to Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Site for your personal, non-commercial use.

5.2 Prohibited Activities

You agree not to:

• Use the Site in any way that violates any applicable laws or regulations
• Use the Site to engage in any activity that could harm, disable, or impair the Site's functionality
• Attempt to gain unauthorized access to any part of the Site or any systems or networks connected to the Site
• Collect or harvest any information from the Site, including user information, without our permission
• Reproduce, duplicate, copy, sell, or resell any portion of the Site
• Use the Site to transmit any malware, spam, or other malicious code

6. Intellectual Property

6.1 Ownership

The Site and all of its content, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are owned by SingaWealth or its licensors and are protected by Singapore and international copyright, trademark, and other intellectual property laws.

6.2 Trademarks

The SingaWealth name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of SingaWealth or its affiliates. You may not use these marks without our prior written permission.

6.3 Feedback

If you provide us with any feedback, suggestions, or ideas regarding the Site or our services, you grant us an unlimited, irrevocable, perpetual, sublicensable, transferable, royalty-free license to use such feedback in any way.

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Site and services, you consent to the practices described in our Privacy Policy.

8. Disclaimers

8.1 "As Is" Basis

The Site and all content are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

8.2 No Guarantee of Results

SingaWealth does not guarantee any specific results from the use of our services. Financial markets are subject to various risks, and past performance is not indicative of future results.

8.3 Third-Party Content

Our Site may contain links to third-party websites or content. We are not responsible for the content, accuracy, or practices of any third-party websites linked to or from our Site.

9. Limitation of Liability

To the maximum extent permitted by law, SingaWealth, its directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Site or services
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content

In no event shall our total liability to you for all claims exceed the amount paid by you to us for the services during the twelve (12) months preceding the event giving rise to the liability.

10. Indemnification

You agree to indemnify, defend, and hold harmless SingaWealth, its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or relating to:

• Your violation of these Terms
• Your use of the Site or services
• Any information you provide to us
• Your violation of any rights of another

11. Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.

All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. 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 dispute arising from or relating to these Terms or your use of the Site or services shall be subject to the exclusive jurisdiction of the courts of Singapore.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Site or services after those revisions become effective, you agree to be bound by the revised Terms.

14. Contact Information

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