Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and ScadiSolfu Pte Ltd ("Company," "we," "us," or "our") regarding your use of our website scadisolfu.com and our financial advisory services.

By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. About ScadiSolfu

2.1 Company Information

ScadiSolfu Pte Ltd is a licensed financial advisory firm regulated by the Monetary Authority of Singapore (MAS). Our services include financial planning, investment advice, and financial education.

2.2 Regulatory Compliance

Our services are provided in accordance with Singapore's financial services regulations, including but not limited to:

• Financial Advisers Act (Cap. 110)
• Securities and Futures Act (Cap. 289)
• Personal Data Protection Act 2012
• MAS Guidelines and Notices

3. Services Offered

3.1 Financial Advisory Services

We provide the following services to eligible clients:

• Personal financial planning and advice
• Investment planning and portfolio management advice
• Retirement and estate planning guidance
• Insurance needs analysis and recommendations
• CPF optimization strategies

3.2 Educational Content

Our website provides educational content including:

• Blog articles on financial topics
• Market insights and commentary
• Financial planning tools and calculators
• Newsletters and updates

3.3 Service Limitations

Please note that:

• Educational content is for general information only and does not constitute personalized advice
• Specific investment recommendations require formal advisory engagement
• Services are primarily available to Singapore residents
• Certain services may require minimum investment amounts

4. User Eligibility and Responsibilities

4.1 Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into binding agreements
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4.2 Account Registration

When creating an account or engaging our services, you agree to:

• Provide truthful, accurate, and complete information
• Update information promptly when changes occur
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access

4.3 Prohibited Uses

You may not use our website or services to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit harmful or malicious content
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or harvest data
• Impersonate others or provide false information

5. Financial Advisory Relationship

5.1 Advisory Agreement

Formal financial advisory services require a separate written agreement that will specify:

• Scope of services to be provided
• Fees and payment terms
• Duties and responsibilities of both parties
• Termination procedures

5.2 Fiduciary Duty

When acting as your financial adviser, we owe you a fiduciary duty to:

• Act in your best interests
• Provide suitable recommendations based on your circumstances
• Disclose all material conflicts of interest
• Maintain confidentiality of your information

5.3 Know Your Customer (KYC)

We are required to conduct KYC procedures, which may include:

• Identity verification
• Financial situation assessment
• Investment experience evaluation
• Risk tolerance determination

6. Fees and Payments

6.1 Service Fees

Our fees vary depending on the services provided and will be clearly disclosed before engagement. Fee structures may include:

• One-time consultation fees
• Ongoing advisory fees
• Asset-based management fees
• Transaction-based commissions

6.2 Payment Terms

• Fees are payable as specified in your advisory agreement
• Payment methods include bank transfer, cheque, or approved payment platforms
• Late payment may result in service suspension
• Refund policies are specified in individual agreements

6.3 Third-Party Costs

You may incur additional costs from third parties, including:

• Brokerage fees and commissions
• Fund management fees
• Platform fees
• Regulatory fees and taxes

7. Investment Risks and Disclaimers

7.1 General Risk Warning

All investments carry risk of loss. Key risks include:

• Market Risk: Fluctuations in market prices
• Credit Risk: Default by issuers or counterparties
• Liquidity Risk: Difficulty in selling investments
• Currency Risk: Exchange rate fluctuations
• Inflation Risk: Erosion of purchasing power

7.2 No Guarantee of Returns

We cannot and do not guarantee:

• Investment returns or performance
• Protection against losses
• Achievement of financial goals
• Market timing or predictions

7.3 Past Performance Disclaimer

Past performance is not indicative of future results. Historical returns, models, and projections are provided for illustrative purposes only and should not be relied upon as predictions of future performance.

8. Intellectual Property

8.1 Our Intellectual Property

All content on our website, including text, graphics, logos, software, and educational materials, is owned by or licensed to ScadiSolfu and is protected by intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our website for personal, non-commercial purposes
• Download materials for your own reference
• Print content for personal use

8.3 Restrictions

You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify or create derivative works
• Use our content for commercial purposes
• Remove copyright or proprietary notices

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Disclaimers and Limitations of Liability

10.1 Website Disclaimer

Our website and content are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including:

• Merchantability and fitness for a particular purpose
• Accuracy, completeness, or reliability of content
• Uninterrupted or error-free operation
• Security or absence of viruses

10.2 Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from third-party content or services
• Technical failures or interruptions

10.3 Indemnification

You agree to indemnify and hold harmless ScadiSolfu from any claims, losses, damages, or expenses arising from your:

• Violation of these Terms
• Misuse of our services
• Violation of applicable laws
• Infringement of third-party rights

11. Third-Party Links and Services

Our website may contain links to third-party websites and services. We do not:

• Endorse or control third-party content
• Guarantee the accuracy of external information
• Accept responsibility for third-party services
• Warrant the security of external websites

12. Termination

12.1 Termination by You

You may terminate your use of our services at any time by:

• Providing written notice
• Closing your account
• Discontinuing use of our website

12.2 Termination by Us

We may terminate or suspend your access if you:

• Violate these Terms
• Provide false or misleading information
• Engage in prohibited activities
• Fail to pay required fees

12.3 Effects of Termination

Upon termination:

• Your access to services will cease
• Outstanding fees remain payable
• Confidentiality obligations continue
• Data may be retained as required by law

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of Singapore, without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through:

1. Direct Negotiation: Good faith discussions between the parties
2. Mediation: Mediation through the Singapore Mediation Centre
3. Arbitration: Final and binding arbitration under Singapore International Arbitration Centre rules

13.3 Jurisdiction

For matters not subject to arbitration, the Singapore courts shall have exclusive jurisdiction.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any advisory agreements, constitute the entire agreement between you and ScadiSolfu.

14.2 Amendments

We may update these Terms from time to time. Material changes will be notified through:

• Website announcements
• Email notifications
• Direct communications

14.3 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

14.4 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.

14.5 Assignment

You may not assign your rights or obligations under these Terms without our written consent. We may assign our rights and obligations with appropriate notice.

15. Contact Information

If you have any questions about these Terms, please contact us: