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Terms and Conditions

You Agree to be Bound by these Terms

Effective Date: [July 26] Website: https://sgfinance.blog/ (Finance Tools Hub)

Welcome to SG Finance. These Terms and Conditions (“Terms”) govern your access to and use of the Site, including all content, tools, and services offered on it. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. About Us

SG Finance is a personal finance and investing blog operated by [SSG / SSG Marketing], based in Singapore (“we,” “us,” “our”). You can contact us at [ssgtok@gmail.com].

2. Eligibility

The Site is intended for individuals aged 18 and above, or the age of legal majority in your jurisdiction. By using the Site, you confirm that you meet this requirement.

3. Not Financial, Legal, or Tax Advice

All content on this Site — including articles, guides, comparisons, calculators, and commentary — is provided for general informational and educational purposes only. Nothing on this Site constitutes:

  • Financial, investment, legal, tax, or professional advice;
  • A recommendation to buy, sell, or hold any financial product, security, or instrument; or
  • An offer or solicitation in any jurisdiction where such offer or solicitation would be unlawful.

We are not a licensed financial adviser under the Financial Advisers Act (Cap. 110) of Singapore, unless expressly stated otherwise. You should conduct your own research and/or consult a licensed financial adviser, accountant, or lawyer before making any financial decisions. See our full Disclaimer for more detail.

4. Intellectual Property

Unless otherwise stated, all content on the Site — including text, graphics, logos, images, and design — is owned by or licensed to us and is protected by Singapore and international copyright, trademark, and other intellectual property laws.

You may:

  • View, download, and print content for personal, non-commercial use.

You may not, without our prior written consent:

  • Reproduce, republish, distribute, or sell content from the Site for commercial purposes;
  • Modify or create derivative works from our content;
  • Scrape, crawl, or use automated tools to extract content, except as permitted by robots.txt or applicable law.

Reasonable excerpts with clear attribution and a link back to the original article are generally permitted (e.g., for news commentary or quotation), provided it does not amount to substantial reproduction of the work.

5. User Conduct

When using the Site (including comment sections, forums, or contact forms, if available), you agree not to:

  • Post unlawful, defamatory, abusive, harassing, or fraudulent content;
  • Impersonate any person or entity;
  • Upload viruses, malware, or other harmful code;
  • Attempt to gain unauthorised access to the Site or its systems;
  • Use the Site to spam, advertise, or solicit without our permission;
  • Scrape or harvest data from the Site in violation of these Terms.

We reserve the right to remove any user-submitted content and to restrict or terminate access for users who violate these Terms.

6. Third-Party Links and Content

The Site may contain links to third-party websites, tools, products, or services (including affiliate links — see Section 7). We do not control and are not responsible for the content, accuracy, or practices of any third-party sites. Inclusion of a link does not imply endorsement. You access third-party sites at your own risk and should review their own terms and privacy policies.

7. Affiliate Links and Sponsored Content

Some links on the Site may be affiliate links, meaning we may earn a commission if you click through and make a purchase or sign up, at no additional cost to you. We may also publish sponsored posts or receive compensation for reviews or mentions. Where required, such content will be clearly labelled (e.g., “Sponsored,” “Affiliate,” or “Ad”). Our opinions remain our own and are not influenced by compensation, though we encourage you to do your own due diligence.

8. No Guarantee of Accuracy

We make reasonable efforts to keep content accurate and up to date, but we make no warranties or representations, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Site or its content. Financial markets, rates, regulations, and products change frequently, and information may become outdated. See our Disclaimer for full details.

9. Limitation of Liability

To the maximum extent permitted by law, SG Finance, its owners, authors, and contributors shall not be liable for any direct, indirect, incidental, consequential, or special damages — including financial loss, loss of data, or loss of profits — arising from:

  • Your use of, or inability to use, the Site;
  • Reliance on any content, opinion, or information published on the Site;
  • Any transaction or decision made based on content found on the Site;
  • Errors, omissions, or inaccuracies in the content;
  • Any third-party website linked from the Site.

Your use of the Site and reliance on any information is entirely at your own risk.

10. Indemnity

You agree to indemnify and hold harmless SG Finance and its owners, authors, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your breach of these Terms or your misuse of the Site.

11. Changes to the Site and Terms

We may update, suspend, or discontinue the Site (or any part of it) at any time without notice. We may also revise these Terms from time to time. Continued use of the Site after changes are posted constitutes your acceptance of the updated Terms. We recommend checking this page periodically.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Singapore. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Singapore.

13. Severability

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

14. Contact Us

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

Email: [ssgtok@gmail.com] Website: https://sgfinance.blog/