Terms & Conditions

By accessing or using this website, you agree to these Terms & Conditions. If you do not agree, please stop using the website. You must use the website only for lawful purposes and must not interfere with its operation, security or availability.

The content on this website is provided for general information and educational purposes only. It does not constitute personalised financial, investment, insurance, legal or tax advice, an offer or recommendation, and does not take account of your objectives, financial situation or needs.

Using this website, submitting an enquiry or communicating with StickieMonies does not by itself create a financial advisory relationship. Any personalised recommendation must follow the applicable advisory process with an appropriately authorised representative.

Calculators, charts, projections and examples on this website are illustrative estimates based on the information and assumptions entered or displayed. Actual outcomes may differ because of market performance, fees, inflation, tax, policy terms, changes in law and personal circumstances. You should not make a financial decision based solely on these tools.

We aim to keep website content useful and current, but do not guarantee that it is complete, accurate, current or suitable for any particular purpose. We may change, suspend or withdraw any part of the website without notice. Access may occasionally be interrupted by maintenance, technical issues or circumstances beyond our control.

Unless otherwise stated, the website and its original text, design, branding, graphics and other content belong to StickieMonies or are used with permission. You may view and print reasonable extracts for personal, non-commercial use. You may not reproduce, modify, distribute, republish or commercially exploit website content without prior written permission.

This website may link to or use third-party websites, platforms and services. These are provided for convenience and are governed by their own terms and privacy practices. We do not control and are not responsible for their content, availability, security or practices.

To the fullest extent permitted by Singapore law, StickieMonies and its owner will not be liable for loss or damage arising from reliance on website content, use of or inability to use the website, or use of third-party links or services. Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited.

Our collection and handling of personal data is described in our Privacy Policy, which forms part of these terms.

These Terms & Conditions are governed by the laws of Singapore. Any dispute arising from these terms or use of this website is subject to the jurisdiction of the courts of Singapore.

We may update these Terms & Conditions from time to time. The latest version will be published on this page with its effective date. If you have questions about these terms, please contact StickieMonies through the Start a Conversation page.