Terms & Conditions

Introduction

Welcome to my website. By accessing and using this website, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use this website. This website is operated by Charmaine Chia, a licensed Wealth Manager regulated by the Monetary Authority of Singapore (MAS).

Acceptable Use of Website

You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others. You must not:

• Use the website in any way that could damage, disable, or impair its functionality
• Attempt to gain unauthorised access to any part of the website or its systems
• Submit false, misleading, or malicious information through contact or testimonial forms
• Use automated systems (such as bots or scrapers) to access the website without permission
• Reproduce, distribute, or commercially exploit any content from this website without authorisation

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and code, is the property of Charmaine Chia unless otherwise stated. You may view and print content for personal, non-commercial use only. Any other use, including reproduction or distribution, requires prior written permission.

Information Provided

The content on this website is for informational purposes only and does not constitute financial advice. Any information provided should not be relied upon as a substitute for professional financial consultation. Financial decisions should be made based on your individual circumstances and in consultation with a licensed Wealth Manager.

External Links Disclaimer

This website may contain links to third-party websites (such as LinkedIn, WhatsApp, or other professional platforms). These links are provided for your convenience, but I do not endorse or take responsibility for the content, privacy practices, or terms of these external sites. You access them at your own risk.

No Warranties / Limitation of Liability

This website is provided "as is" without any warranties, express or implied. Whilst I strive to keep the information accurate and up to date, I make no guarantees regarding:

• The accuracy, completeness, or reliability of any information on the website
• The uninterrupted or error-free operation of the website
• The security of data transmitted through the website

To the fullest extent permitted by law, I shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on its content.

Regulatory Compliance

I am a registered representative with the Monetary Authority of Singapore (MAS Representative Number: CCX300591641) and adhere to all applicable regulations governing financial advisory services in Singapore. Any financial advice or services provided are subject to MAS guidelines and regulations.

Testimonials

Testimonials displayed on this website represent the personal experiences of individual clients. Results may vary, and past performance does not guarantee future outcomes. All testimonials are published with the client's consent and may be edited for clarity or length.

Changes to These Terms

I reserve the right to modify these Terms & Conditions at any time. Any changes will be posted on this page with a revised "Last Updated" date. Your continued use of the website following any changes constitutes your acceptance of the new terms.

Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of Singapore. Any disputes arising from these terms or your use of this website shall be subject to the exclusive jurisdiction of the Singapore courts.

Contact Information

If you have any questions about these Terms & Conditions, please contact me: