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Welcome to LifeInsurance.sg!

These terms and conditions outline the rules and regulations for the use of LifeInsurance.sg’s Website, located at LifeInsurance.sg.

LifeInsurance.sg is a website (the “Website”) operated by Fur Media Pte. Ltd. (“we” or “us”). Fur Media Pte. Ltd. is registered in the Republic of Singapore under the Unique Entity Number 202235879R.

By accessing this website we assume you accept these terms and conditions. Do not continue to use LifeInsurance.sg if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, “SFP” or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of the provision of the Company’s stated services, in accordance with and subject to, prevailing law of Singapore. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

We Are Not A Financial Advisory Firm

LifeInsurance.sg is not a financial advisory firm. LifeInsurance.sg, our employees, affiliates contractors, subcontractors, agents are not acting as a financial advisor. We do not practice financial advisory and do not provide financial advice. Anything and everything provided on this website shall not be constituted as financial advice or a substitute of it. Financial advisory is a personal and subjective matter, thus, no generalised information (the kind on LifeInsurance.sg) is suitable for every individual and every situation. Whatever you see on this website is meant to be a reference. We do not represent, warrant, or guarantee that the information appearing on the LifeInsurance.sg website are fit for use for your purposes. The content found on this website is not vetted and endorsed by the Monetary Authority of Singapore (MAS). If you need or are looking for financial advice for your own situation, please consult a qualified and certified financial advisor. We do not intent to create an advisor-client relationship, and by using our website, no advisor-client relationships will be created with LifeInsurance.sg.

Financial Information for Readers

The goal of LifeInsurance.sg is to provide generalised financial education for Singaporean readers. However, we do understand that readers and consumers are looking to get in touch with a financial advisor. LifeInsurance.sg provides you a platform to reach out directly to said financial advisors. Our financial advisor partners are from DollarBureau.com. By agreeing to be connected to a financial advisor, you agree to Dollar Bureau’s Terms & Conditions. Your discussions regarding your own financial planning are private and shall be discussed with only the financial advisors. Although LifeInsurance.sg connects you with a financial advisor, we are simply an intermediary. You are liable for any engagement of services with the financial advisor connected to. Any advisor-client relationship formed as a result from your discussions are between you and the financial advisor – not between you and LifeInsurance.sg. Through the use of LifeInsurance.sg, you agree to not hold LifeInsurance.sg responsible for the quality or accuracy of any information and financial services provided by the financial advisors connected via the Website.

The financial advisors connected via our Website are selected to provide financial advice that is impartial. However, this does not mean that we endorse any specific financial advisor, financial advisory firm, or any service providers on LifeInsurance.sg. We merely act as an intermediary where we connect financial advisors found to be ethical and impartial, by our own standards, to you. The financial advisors are verified and licensed by the Monetary Authority of Singapore. LifeInsurance.sg is an intermediary and are not licensed by the Monetary Authority of Singapore. We disclaim any representation or warranty that the information on our website is correct or reliable. Under no circumstances shall LifeInsurance.sg be liable to you for your reliance on any information on our website.

When you contact the financial advisors that are listed on our Website, no legal relationship is formed between you and LifeInsurance.sg. LifeInsurance.sg is not responsible for your dealings with any of the financial advisors connected via our Website.

You also permit our partners to contact you via the email and phone number provided.

Before engaging a financial advisor, you should carefully consider the advisor’s knowledge and experience. You are to do your own due diligence to ensure that the financial advisors are ethical and impartial. You do not hold LifeInsurance.sg, its employees, agents, affiliates, contractors, and subcontractors liable for any dealings and engagements with the financial advisor.

Financial advisors in our network do not have any authority to represent or act on behalf of the website and LifeInsurance.sg. Transactions made on behalf of LifeInsurance.sg shall only be done with authorised personnel. There are currently no financial advisors in the firm, and no financial advisors have the authority to represent or act on behalf of LifeInsurance.sg. We are not liable for any dealings you have with any financial advisors in our network who claim to have authority to represent us.

Cookies

We employ the use of cookies. By accessing LifeInsurance.sg, you agreed to use cookies in agreement with the our Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

License

Unless otherwise stated, LifeInsurance.sg and/or its licensors own the intellectual property rights for all material on LifeInsurance.sg. All intellectual property rights are reserved. You may access this from LifeInsurance.sg for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

  • Republish material from LifeInsurance.sg
  • Sell, rent or sub-license material from LifeInsurance.sg
  • Reproduce, duplicate or copy material from LifeInsurance.sg
  • Redistribute content from LifeInsurance.sg

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. LifeInsurance.sg does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of LifeInsurance.sg, its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, LifeInsurance.sg shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

LifeInsurance.sg reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.

You warrant and represent that:

  • You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
  • The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
  • The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy
  • The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant LifeInsurance.sg a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

iFrames

Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability

We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Your Privacy

Please read Privacy Policy

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury;
  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.