Legal Disclaimer

1. General information only

All content on this Site – including text, images, videos, downloads and tools – is provided for general information and education purposes only.

Nothing on this Site is intended to be, and should not be treated as:

• financial advice;
• investment advice;
• legal or tax advice; or
• a recommendation to buy, sell, hold or switch any product or investment.

2. No personal financial, investment or legal advice

The information on this Site does not:

• take into account your specific investment objectives, financial situation or particular needs; or
• constitute a recommendation that any product, service or strategy is suitable for you.

You should not act or rely on any content on this Site as a substitute for personalised advice.

Before making any financial, investment or insurance decision, you should consult a licensed financial adviser, qualified tax adviser and/or legal professional as appropriate.

3. Relationship with Affluence Wealth Advisory and Manulife Singapore

This Site is created and maintained by Thadeus Chang in his personal capacity as a Financial Consultant with Affluence Wealth Advisory, an agency branch representing Manulife Singapore.

Affluence Wealth Advisory is an agency branch within the Manulife advisory network in Singapore.

Manulife Singapore is a licensed and regulated financial institution in Singapore.

Any opinions, views or analyses expressed on this Site are personal to the author and do not necessarily represent the views, opinions or official positions of Affluence Wealth Advisory, Manulife Singapore, or any other entity within the Manulife group.

Manulife Singapore and Affluence Wealth Advisory are not responsible for the creation, operation, maintenance or content of this Site.

4. No guarantee of outcomes or performance

While reasonable efforts are made to ensure that information on this Site is accurate and current at the time of publication, no representation or warranty (express or implied) is given as to:

• the accuracy, completeness or reliability of any information, opinion or projection;
• the future performance of any product, strategy or market; or
• the achievement of any forecast, target or illustrative example.

Financial planning and investing involve risks, including the possible loss of principal.

Past performance is not indicative of future results. No outcome, return or benefit is guaranteed.

5. Investment and insurance risk warning

Where investment, insurance, or investment-linked policies are mentioned, you should note that:

• the value of units and any income (if payable) may rise or fall;
• you may not get back your original investment;
• returns may be affected by fees, charges, market conditions and foreign currency movements; and
• buying a life insurance policy is a long-term commitment, and early termination may result in high costs and a surrender value less than the total premiums paid.

You should carefully read the relevant product summaries, policy contracts, prospectuses, fund factsheets and other official documents before making any commitment.

6. No offer, invitation or solicitation

Nothing on this Site shall be construed as:

• an offer;
• an invitation to offer; or
• a solicitation

to subscribe, purchase or sell any insurance policy, investment product or financial instrument, whether in Singapore or in any other jurisdiction.

Any product or service described may be subject to eligibility criteria, terms, conditions and regulatory restrictions.

7. Third-party links and content

This Site may contain links to third-party websites, resources or content.

Such links are provided for convenience and reference only. We do not:

• control or maintain these third-party sites;
• endorse, approve or guarantee any third-party information, opinions, products or services; or
• accept responsibility for any loss or damage arising from your use of them.

You access third-party websites and content at your own risk and should review their terms and privacy policies.

8. Jurisdiction and intended audience

The information on this Site is intended solely for persons in Singapore and for distribution only in Singapore, unless expressly stated otherwise.

This Site and its content are not directed to any person in any jurisdiction where the publication, distribution or use of such content would be contrary to local law or regulation.

If you access this Site from outside Singapore, you are responsible for complying with any applicable local laws.

9. Limitation of liability

To the fullest extent permitted by law:

• no liability is accepted for any loss, damage, cost or expense (whether direct, indirect, special, incidental or consequential) arising from or in connection with your use of, or reliance on, this Site or its content; and
• no liability is accepted for any error, omission, interruption, delay, defect, computer virus, technical issue or system failure in relation to this Site.

Your sole remedy for dissatisfaction with this Site or its content is to stop using the Site.

10. Changes to this Legal Disclaimer

This Legal Disclaimer may be updated or amended from time to time without prior notice.

The updated version will be posted on this page with a new “Effective date”.

Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Legal Disclaimer.

11. Contact

If you have any questions about this Legal Disclaimer, please contact:

Email: thad@assuredwiththad.com