Terms of Service

1. Agreement to Terms

Welcome to PericPodar. These Terms of Service ("Terms") govern your use of our website and financial planning services. By accessing our website or engaging our services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree with any part of these Terms, you should not use our website or services.

2. About PericPodar

PericPodar Pte Ltd is a financial planning and investment advisory firm licensed and regulated by the Monetary Authority of Singapore (MAS). We provide comprehensive financial planning services to individuals and businesses in Singapore.

Our registered office is located at 1 Raffles Place, #20-61, One Raffles Place, Singapore 048616.

3. Services Provided

We offer the following financial services:

• Investment advisory and portfolio management
• Retirement and estate planning
• Risk management and insurance planning
• Tax planning strategies
• Financial education and consultation

All services are subject to our regulatory licenses and applicable Singapore laws and regulations.

4. Client Responsibilities

As our client, you agree to:

• Provide accurate and complete information about your financial situation
• Promptly notify us of any material changes in your circumstances
• Review all recommendations and documentation carefully
• Make your own investment decisions based on your judgment
• Pay all fees and charges as agreed
• Comply with all applicable laws and regulations

5. Investment Risks and Disclaimers

5.1 General Risk Disclosure

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. The value of investments may fluctuate, and you may not recover the full amount invested.

5.2 No Guarantee

We do not guarantee any specific investment returns or outcomes. Our recommendations are based on analysis and professional judgment, but market conditions and other factors may affect actual results.

5.3 Independent Decision Making

You are responsible for making your own investment decisions. Our advice and recommendations are for informational purposes and should be considered alongside your own research and judgment.

6. Fees and Payment Terms

Our fee structure will be clearly disclosed in your client agreement. Fees may include:

• Advisory fees based on assets under management
• Project-based financial planning fees
• Consultation fees for specific services
• Transaction fees for investment trades

Payment terms and schedules will be specified in your service agreement. All fees are subject to applicable taxes.

7. Confidentiality and Privacy

We maintain strict confidentiality regarding your personal and financial information. Our privacy practices are detailed in our Privacy Policy, which forms part of these Terms.

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

8. Website Use and Restrictions

8.1 Permitted Use

You may use our website for legitimate business purposes related to our financial services. You may not use the website for any unlawful or prohibited purposes.

8.2 Prohibited Activities

You agree not to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Distribute malware or harmful code
• Attempt unauthorized access to our systems
• Interfere with website functionality

9. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of PericPodar or our licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, or create derivative works without our written permission.

10. Limitation of Liability

To the maximum extent permitted by law, PericPodar shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website.

Our total liability for any claims shall not exceed the fees paid by you for our services in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless PericPodar from any claims, damages, or expenses arising from your breach of these Terms or violation of any law or third-party rights.

12. Termination

Either party may terminate our services agreement with appropriate notice as specified in your client agreement. Termination does not affect accrued rights and obligations.

We reserve the right to suspend or terminate your access to our website for violations of these Terms.

13. Regulatory Compliance

Our services are provided in compliance with Singapore financial regulations, including:

• Securities and Futures Act
• Financial Advisers Act
• Anti-Money Laundering regulations
• Personal Data Protection Act

14. Dispute Resolution

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

1. Good faith negotiations between the parties
2. Mediation through the Singapore Mediation Centre
3. Arbitration under Singapore International Arbitration Centre rules

15. Governing Law

These Terms are governed by the laws of Singapore. Any legal proceedings shall be subject to the exclusive jurisdiction of Singapore courts.

16. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated to clients, and continued use of our services constitutes acceptance of updated Terms.

17. Severability

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

18. Contact Information

For questions about these Terms or our services, please contact us: