Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client" or "you") and Preteimmac Financial Management Pte Ltd ("Company", "we", "our", or "us") regarding your use of our website and financial services.

By accessing our website or engaging our services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access our website or use our services.

2. Company Information

Preteimmac Financial Management Pte Ltd
Company Registration Number: 202400001A
Licensed by the Monetary Authority of Singapore (MAS)
License Number: FA100001A
Address: Marina Bay Financial Centre, 12 Marina Boulevard, #15-01, Tower 3, Singapore 018982

3. Services Provided

We provide the following financial services subject to applicable laws and regulations:

• Investment advisory services
• Portfolio management and wealth management
• Retirement planning and CPF optimization
• Insurance advisory services
• Tax planning and financial planning
• Educational content and market research

All services are provided in accordance with Singapore laws and MAS regulations.

4. Client Obligations

4.1 Eligibility

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 Information Accuracy

You agree to:

• Provide true, accurate, and complete information
• Update information promptly when changes occur
• Notify us of any material changes to your financial situation
• Cooperate with our due diligence and compliance procedures

5. Investment Risks and Disclaimers

5.1 Risk Warning

WARNING: All investments carry risk. The value of investments may go down as well as up, and you may not get back the amount you invested. Past performance is not indicative of future results.

5.2 No Guarantee

We do not guarantee:

• Investment returns or performance
• Protection against losses
• Achievement of investment objectives
• Suitability of investments for your specific circumstances

5.3 Professional Advice

Our advice is based on your disclosed circumstances and objectives. You should:

• Carefully consider all recommendations before acting
• Seek independent advice if needed
• Understand the risks associated with any investment
• Only invest amounts you can afford to lose

6. Fees and Charges

Our fees are clearly disclosed in our service agreements and may include:

• Advisory fees based on assets under management
• Transaction fees and brokerage charges
• Administrative and custody fees
• Performance-based fees (where applicable)

All fees are subject to applicable taxes including GST. We reserve the right to modify our fee structure with appropriate notice.

7. Confidentiality and Data Protection

We are committed to protecting your privacy and maintaining confidentiality of your information in accordance with:

• Personal Data Protection Act (PDPA) of Singapore
• Financial advisers' professional standards
• Our Privacy Policy

Information may be disclosed only as required by law or with your explicit consent.

8. Limitation of Liability

To the maximum extent permitted by law:

• Our liability is limited to the fees paid for our services
• We are not liable for consequential or indirect losses
• We are not responsible for market movements or external factors
• Our liability does not extend to third-party service providers

Nothing in these Terms excludes liability for fraud, willful misconduct, or breaches that cannot be excluded by law.

9. Termination

9.1 Termination by Client

You may terminate our services at any time by providing written notice. Upon termination:

• We will cease providing advisory services
• Outstanding fees will become due
• We will assist in the orderly transfer of your investments

9.2 Termination by Company

We may terminate our services with 30 days' written notice or immediately if:

• You breach these Terms materially
• We cannot verify your identity or compliance status
• Legal or regulatory requirements necessitate termination

10. Complaints and Disputes

10.1 Internal Complaints Process

If you have a complaint, please contact us first:

• Email: [email protected]
• Phone: +65 6234 5678
• We will acknowledge your complaint within 2 business days
• We aim to resolve complaints within 30 business days

10.2 External Dispute Resolution

If you are not satisfied with our response, you may escalate to:

• Financial Industry Disputes Resolution Centre (FIDReC)
• Monetary Authority of Singapore (MAS)

11. Intellectual Property

All content on our website and in our materials is protected by intellectual property rights:

• You may view and download content for personal use only
• Commercial use requires our written permission
• You may not reproduce, distribute, or modify our content
• Third-party content remains the property of its respective owners

12. Website Terms

12.1 Acceptable Use

You agree not to:

• Use our website for unlawful purposes
• Attempt to gain unauthorized access to our systems
• Interfere with website functionality or security
• Upload malicious code or content

12.2 Website Availability

While we strive for continuous availability, we cannot guarantee uninterrupted access to our website. We may suspend access for maintenance or other operational reasons.

13. Regulatory Compliance

We operate under the supervision of the Monetary Authority of Singapore and comply with:

• Securities and Futures Act
• Financial Advisers Act
• Prevention of Money Laundering Act
• All applicable MAS regulations and guidelines

14. Governing Law

These Terms are governed by Singapore law. Any disputes will be subject to the exclusive jurisdiction of Singapore courts, except where external dispute resolution mechanisms apply.

15. Changes to Terms

We may modify these Terms from time to time. Changes will be communicated through:

• Website notification
• Email notification to clients
• Written notice for material changes

Continued use of our services after changes indicates acceptance of the updated Terms.

16. Contact Information

For questions about these Terms, please contact us: