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Terms of Service
Last updated: December 15, 2024
1. Acceptance of Terms
By accessing and using the services provided by TitulMogli Financial Planning ("Company," "we," "our," or "us"), you ("Client," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.
2. Company Information
TitulMogli Financial Planning [email protected]
3. Services Provided
3.1 Financial Planning Services
Personal financial planning and analysis
Investment advisory services
Retirement planning strategies
Insurance planning and recommendations
Estate planning guidance
Tax planning advice
3.2 Educational Services
Financial education workshops and seminars
Online resources and blog content
Market updates and insights
4. Client Responsibilities
4.1 Information Accuracy
You agree to:
Provide accurate, complete, and current information
Update us promptly of any changes in your financial situation
Disclose all relevant financial information
Notify us of changes in your objectives or risk tolerance
4.2 Decision Making
You acknowledge that:
All investment and financial decisions remain your responsibility
Our advice is based on the information you provide
You should seek independent advice when necessary
Past performance does not guarantee future results
5. Fees and Payment
5.1 Fee Structure
Our fees may include:
Initial consultation fees
Financial planning fees
Ongoing advisory fees
Transaction-based commissions
Asset-based management fees
5.2 Payment Terms
Fees are due as specified in your service agreement
Payment methods accepted include bank transfer, cheque, and credit card
Late payment may result in service suspension
All fees are subject to applicable taxes
6. Investment Risks and Disclaimers
6.1 Investment Risks
You understand and accept that:
All investments carry risk of loss
Market values can fluctuate significantly
Past performance is not indicative of future results
Currency exchange rates may affect returns
Inflation may erode purchasing power
6.2 No Guarantees
We do not guarantee:
Investment performance or returns
Achievement of financial goals
Protection against losses
Specific tax outcomes
7. Confidentiality and Privacy
7.1 Confidentiality
We maintain strict confidentiality of your information, except when:
Required by law or regulation
Authorized by you in writing
Necessary for service provision
Required for professional indemnity purposes
7.2 Privacy
Your personal information is protected under our Privacy Policy and Singapore's Personal Data Protection Act (PDPA).
8. Conflicts of Interest
We are committed to managing conflicts of interest fairly:
We will disclose any material conflicts of interest
Commission arrangements will be transparently communicated
We prioritize your interests in our recommendations
We maintain appropriate policies and procedures
9. Compliance and Regulation
9.1 Regulatory Compliance
We operate under the supervision of:
Monetary Authority of Singapore (MAS)
Securities and Futures Act regulations
Financial Advisers Act requirements
Personal Data Protection Act (PDPA)
9.2 Professional Standards
Our advisors maintain:
Relevant professional qualifications and certifications
Continuing professional development
Professional indemnity insurance
Adherence to industry codes of conduct
10. Limitation of Liability
10.1 Service Limitations
Our liability is limited to:
The fees paid for the specific service
Direct damages only (no consequential damages)
Claims made within 6 years of the service date
Coverage under our professional indemnity insurance
10.2 Exclusions
We are not liable for:
Market losses or investment performance
Decisions made against our advice
Information not disclosed by you
Third-party service provider failures
11. Termination
11.1 Termination by Either Party
Either party may terminate the relationship:
With 30 days written notice
Immediately for material breach
Upon mutual agreement
11.2 Effects of Termination
Outstanding fees become immediately due
Confidentiality obligations continue
We will assist with transition arrangements
Records will be maintained as required by law
12. Website Terms
12.1 Intellectual Property
All content on our website is protected by copyright and belongs to TitulMogli Financial Planning unless otherwise stated.
12.2 Permitted Use
You may:
View and download content for personal use
Print pages for your own reference
Share our content with appropriate attribution
12.3 Prohibited Use
You may not:
Copy content for commercial purposes
Modify or create derivative works
Use content without permission
Engage in any unlawful activities
13. Complaint Resolution
13.1 Internal Complaints Process
If you have a complaint:
Contact your advisor directly
Escalate to our Compliance Officer if unresolved
We will investigate and respond within 30 days
We will document all complaints and resolutions
13.2 External Resolution
If not satisfied with our resolution, you may contact:
Financial Industry Disputes Resolution Centre (FIDReC)
Monetary Authority of Singapore (MAS)
Consumer Association of Singapore (CASE)
14. Force Majeure
We are not liable for delays or failures due to circumstances beyond our reasonable control, including:
Natural disasters
Government actions
Technology failures
Market closures
Pandemic or health emergencies
15. Governing Law
These Terms are governed by Singapore law. Any disputes will be subject to the exclusive jurisdiction of Singapore courts.
16. Amendments
We may update these Terms from time to time. We will notify you of material changes by:
Email notification
Website posting
Written communication
Continued use of our services after changes constitutes acceptance of the new Terms.
17. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.
18. Contact Information
For questions about these Terms of Service, please contact us: