Terms

Acceptance of Terms

By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the website. We may update these Terms from time to time, and continued use of the website means you accept the updated version.

Reference documentsConsumer Affairs SGWIPO
Clause 01

Acceptance of Terms

By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the website. We may update these Terms from time to time, and continued use of the website means you accept the updated version.

Consumer Affairs SG
Clause 02

Scope of Services

This website provides general information about insurance selection services for retirees and related support. Any descriptions of services are for general reference only and do not create a promise of coverage, approval, suitability, or outcome. We may change, suspend, or limit any part of the website or services at our discretion.

WIPO
03 Clause

Fees and Charges

If any fees, charges, or commercial terms apply, they will be presented separately before you proceed. You are responsible for reviewing all stated terms before making any payment or request. We may decline or cancel a request where required by law, policy, or operational reasons.

Supporting document HCCH
04 Clause

User Obligations

You agree to provide accurate and complete information when using the website or requesting assistance. You must not misuse the website, interfere with its operation, or use it for unlawful, misleading, or unauthorized purposes. We may restrict access where we reasonably believe these Terms have been breached.

Supporting document UN Declaration
Policy Terms

All content on this website, including text, layout, graphics, and logos, is owned by us or used with permission and is protected by applicable intellectual property laws. You may view the website for personal, non-commercial use only unless we give prior written consent. No right, title, or license is granted except as expressly stated in these Terms.

05

Intellectual Property

All content on this website, including text, layout, graphics, and logos, is owned by us or used with permission and is protected by applicable intellectual property laws. You may view the website for personal, non-commercial use only unless we give prior written consent. No right, title, or license is granted except as expressly stated in these Terms.

06

Disclaimer of Warranties

The website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, availability, and fitness for a particular purpose. We are not responsible for losses arising from reliance on general information, third-party content, or interruptions in access.

Reference WIPO