Legal Disclaimer
This Legal Disclaimer applies to your use of this website (the “Site”) and all information, tools and materials on it. By accessing or using the Site, you accept this disclaimer in full. It should be read together with the Terms & Conditions and the Data Privacy & Protection policy. If you do not agree with it, please do not use the Site.
1. General Information Only
The content on this Site is provided for general information purposes only. It is general in nature and does not take into account your particular objectives, financial situation or needs. You should not rely on it as the basis for any financial decision.
2. Not Financial Advice
Nothing on this Site constitutes financial, investment, insurance, tax, legal or other professional advice, or a personal recommendation, and nothing on it should be construed as such. Personalised advice is provided only after a proper fact-find and financial needs analysis conducted directly with you, typically during a private consultation.
3. No Offer or Solicitation
The information on this Site does not constitute, and should not be taken as, an offer, solicitation, inducement or recommendation to buy, sell or subscribe to any financial product, policy or service, or to enter into any transaction or contract.
4. Illustrations, Calculators and Case Studies
Any calculators, figures, projections and illustrative case studies on this Site are simplified, assumptions-based examples provided for education and illustration only. They are not guarantees, promises or forecasts of actual results, are not tailored to your circumstances, and do not describe or recommend any specific product or any actual client. The assumptions used (such as rates of return, inflation or time horizons) will not necessarily reflect real outcomes. Any actual plan or recommendation is made only after a full financial needs analysis and is subject to the terms of the relevant product.
5. Investment Risk & No Guarantee of Returns
Investments carry risk and can fall as well as rise in value. Past performance is not indicative of future results, and no particular return or outcome is guaranteed. You may receive back less than the amount you invested. Where products are denominated in a foreign currency, returns may also be affected by exchange-rate movements.
6. Insurance Products
Any insurance product referred to on this Site is subject to the full terms, conditions, exclusions, fees and eligibility criteria set out in the relevant product documentation issued by the product provider, which prevails over anything stated here. Buying a life insurance product is a long-term commitment; early termination may carry costs and the surrender value, if any, may be less than the premiums paid.
7. Regulatory Status & Personal Views
Thadeus Chang (RNF: TCZ300869940) is a Representative of Affluence Wealth Advisory, representing Manulife (Singapore) Pte. Ltd. The views and opinions expressed on this Site are solely his own, in his personal capacity, and do not necessarily reflect the views of Affluence Wealth Advisory, Manulife Singapore, or any other organisation. The Site is intended for persons resident in Singapore and is not directed at any person in any jurisdiction where its use would be contrary to local law or regulation.
8. External Links & Third-Party Content
This Site may contain links to third-party websites or reference third-party content. Such links are provided for convenience only and do not imply endorsement. We have no control over, and accept no responsibility for, the content, accuracy, products, services or privacy practices of any third-party site.
9. Accuracy & Changes
While reasonable care is taken to ensure the information on this Site is accurate at the time of publication, no warranty or representation is given that it is accurate, complete, current or free from error. The information may be changed, updated or removed at any time without notice.
10. Limitation of Liability
To the maximum extent permitted by law, no liability is accepted for any loss or damage of any kind (including direct, indirect or consequential loss) arising from your use of, or reliance on, this Site or its contents, or from any inability to access it.
11. Governing Law
This disclaimer is governed by and construed in accordance with the laws of Singapore, and any disputes relating to it are subject to the exclusive jurisdiction of the Singapore courts.
12. Contact
If you have any questions about this disclaimer, please get in touch via the contact form or by email at thad@assuredwiththad.com.
Affluence Wealth Advisory
8 Cross Street, #15-01 Manulife Tower, Singapore 048424