Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Segnadeidr Financial Management Pte Ltd ("Company," "we," "us," or "our"), a financial advisory firm licensed in Singapore.

By accessing our website, engaging our services, or entering into any agreement with us, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please discontinue use of our services immediately.

2. Company Information

Segnadeidr Financial Management Pte Ltd

• Company Registration Number: 202400XXXX
• Registered Address: 6 Raffles Quay, #14-06, Singapore 048580
• MAS License Number: FA100XXXX
• Regulated by the Monetary Authority of Singapore (MAS)

3. Services Provided

We provide the following financial advisory services under our MAS license:

• Financial planning and wealth management advisory
• Investment advisory services
• Insurance advisory and arrangement
• Retirement planning consultation
• Tax optimization strategies
• Estate planning advice

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

4. Client Obligations

4.1 Information Accuracy

You agree to:

• Provide accurate, complete, and current information about your financial situation
• Promptly notify us of any material changes to your circumstances
• Respond to our requests for information in a timely manner
• Review all documents and recommendations carefully before making decisions

4.2 Compliance

You must comply with all applicable laws and regulations, including:

• Singapore tax obligations
• Anti-money laundering requirements
• Foreign reporting obligations (if applicable)
• Investment restrictions and suitability requirements

5. Investment Risks and Disclaimers

5.1 Investment Risk

Important: All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. You acknowledge that:

• Investment values may fluctuate and can result in losses
• No guarantee is provided regarding investment performance
• You are responsible for final investment decisions
• Market conditions can change rapidly and unpredictably

5.2 No Advisory Relationship via Website

Information on our website is for general informational purposes only and does not constitute:

• Personalized financial advice
• Investment recommendations
• Legal or tax advice
• An offer to sell or solicitation to buy securities

6. Fees and Payment Terms

6.1 Fee Structure

Our fee structure will be clearly disclosed in your service agreement and may include:

• Initial consultation fees
• Ongoing advisory fees (percentage of assets under management)
• Transaction-based fees
• Flat fees for specific services

6.2 Payment Terms

• Fees are payable as specified in your service agreement
• Payment methods include bank transfer, cheque, or direct debit
• Late payment may result in service suspension
• Refunds are governed by our refund policy

7. Confidentiality and Data Protection

We maintain strict confidentiality of your personal and financial information in accordance with:

• Singapore's Personal Data Protection Act (PDPA)
• MAS regulations on client confidentiality
• Professional ethical standards
• Our Privacy Policy (incorporated by reference)

We may disclose information only with your consent or as required by law.

8. Limitation of Liability

To the fullest extent permitted by Singapore law:

• Our liability is limited to the fees paid for the specific service
• We are not liable for indirect, consequential, or punitive damages
• We are not responsible for market losses or investment performance
• Our liability for negligence is limited as specified in your service agreement

Note: This limitation does not apply to fraud, willful misconduct, or where prohibited by law.

9. Termination

9.1 Termination by Client

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

• Outstanding fees remain payable
• We will assist with orderly transition of your accounts
• Confidentiality obligations continue indefinitely
• You retain ownership of all your assets

9.2 Termination by Company

We may terminate services with reasonable notice in cases of:

• Non-payment of fees
• Material breach of these Terms
• Changes in regulatory requirements
• Business restructuring decisions

10. Intellectual Property

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

• Trademarks: "Segnadeidr Financial" and our logo are registered trademarks
• Copyrights: All written content, reports, and materials
• You may not reproduce, distribute, or modify our content without permission
• Client reports are provided for personal use only

11. Disputes and Governing Law

11.1 Dispute Resolution

In case of disputes, we encourage resolution through:

1. Direct discussion with your advisor
2. Escalation to our compliance department
3. Mediation through Singapore Mediation Centre
4. Arbitration under Singapore International Arbitration Centre rules

11.2 Governing Law

These Terms are governed by Singapore law, and Singapore courts have exclusive jurisdiction.

12. Regulatory Compliance

As a licensed financial advisor in Singapore, we comply with:

• MAS Guidelines on Fair Dealing
• Securities and Futures Act requirements
• Financial Advisers Act provisions
• Anti-money laundering regulations
• Professional conduct standards

13. Force Majeure

We are not liable for delays or failures in performance due to circumstances beyond our reasonable control, including:

• Natural disasters or pandemics
• Government actions or regulatory changes
• Market closures or trading halts
• Technology failures or cyber attacks
• Labor disputes or strikes

14. Amendments

We may modify these Terms from time to time. Changes will be effective upon:

• Posting updated Terms on our website
• Email notification to clients (for material changes)
• 30 days' notice for significant changes affecting existing services

Continued use of our services constitutes acceptance of modified Terms.

15. Contact Information

For questions about these Terms or to file complaints:

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. The unenforceable provision will be replaced with an enforceable provision that most closely reflects the original intent.