1. These words have the following meanings:
2. “WealthUp” means Find A Wealth Manager Private Limited, a company registered in Singapore with company number 201225155C and registered office at 24 RAFFLES PLACE #10-05 CLIFFORD CENTRE SINGAPORE 048621.
3. “Introduction” means the provision by WealthUp of your profile (including your contact details) to a Professional Services Firm or Professional Services Firms based on your answers in the Questionnaire; Introduce, Introduces and Introducer shall be interpreted accordingly;
4. “Introduction Date” means the date on which WealthUp first introduces you;
5. “Questionnaire” means the questionnaire on the Website used to match you with Professional Services Firms;
6. “Services” means wealth management services;
7. “Website” means the Singapore based website located at ‘wealthup.co’ or any other website address that may replace it, and any other website which WealthUp owns;
8. “you”/”your” means you as the person using the Website;
9. and “Professional Services Firm” means a person who provides the Services, including but not limited to; Wealth Managers, Lawyers, Accountants, Trust Providers, Property Companies.
10. Clause headings shall not affect the interpretation of these terms and conditions.
11. A person includes a natural person, corporate or unincorporated body (whether or not having separate legal personality).
12. Words in the singular shall include the plural and vice versa.
13. A reference to a statute or statutory provision is a reference to it as it is in force for the time being, taking account of any amendment, extension, or re-enactment and includes any subordinate legislation for the time being in force made under it.
14. Reference to writing or written includes e-mail.
15. References to clauses are to the clauses of these terms and conditions.

1. These Terms & Conditions (collectively, the “Terms of Use”) constitute an agreement between you (“you”, “your”, “user” or “client”) and Find A Wealth Manager Private Limited (UEN No. 201225155C), (“WealthUp”, “we”, “us” or “our”) which sets forth the terms and conditions applicable to your access and use of our Site (www.wealthup.co) or through our web-based or mobile applications (collectively, “WealthUp”) and our other services.
2. By accessing, using and/or subscribing to our Service, Websites and/or Applications, you understand and agree to be bound by the terms and conditions of this Terms of Use and our Privacy Statement. Find A Wealth Manager Pte Ltd revises the terms of these Terms of Use from time to time and the most current version can be found on the Website. If a revision, in our sole discretion, is material, we will notify you by e-mail or in other means of communication. Other revisions may be updated on the Website. Continued use of the Website following changes to these Terms of Use will constitute your acceptance of those changes and to be bound by the revised terms.
3. If we decide to change this Agreement or our Privacy Statement, we will post such changes on WealthUp, and such changes will be effective at such time. We reserve the right to modify or temporarily discontinue your access to WealthUp or portion thereof, or any Service, with or without prior notice to you. By using our services, you consent that Find A Wealth Manager Pte Ltd shall not be liable to you or any third party for any modification of WealthUp, the Services, this Agreement, or your access to WealthUp or Services.

1. You hereby affirm that you are of full contractual capacity, that is to be more than 18 years of age, and are privy to this contract. If you are acting on behalf of a company or entity, you agree that you are acting as an agent to the contract, and are entering into this contract as a third party. You affirm that you are fully able and competent to enter in to the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Use, and to abide by and comply with these Terms of Use in the same manner as a signed, written, paper contract.

Our Site provides a personal finance solution which should enable you to manage your money better and hence write your own financial success story. Our WealthUp services are comprised of the following features, delivered to you through Find A Wealth Manager Pte Ltd, marketing partners, and through communications, as follows:

1. We offer financial account aggregation, where Find A Wealth Manager Pte Ltd, acting as your authorized agent, will retrieve your financial account information, such as your account balances, transactions and holdings, from financial institutions you designate. Financial account aggregation is a service you may utilize by providing financial account credentials, allowing us to securely connect with third party financial institutions, to present your financial information on WealthUp. Our account aggregation Services are regularly refreshed, effortlessly providing you with up-to-date financial account information.
2. Your financial account information, collected through account aggregation or manual account information you provide, is used to display your consolidated financial picture. Financial visualizations include various charts, detailed transactional data and other financial account data that we present to you, summarizing your financial life at a glance.
3. Your financial account information, along with optional personal and financial information you may provide, are used to generate financial insights. We utilize your aggregated account data, along with stated assumptions or information you provide, to share important financial observations that can make you aware of your overall financial picture and opportunities to improve it.
4. You will be able to make purchases of financial products, including insurance and investment products, through the services of Find A Wealth Manager Pte Ltd. Financial decisions, including the buying and selling of financial products, are done at your sole discretion, and Find A Wealth Manager Pte Ltd bears no liability to the risks and rewards that accrue with a financial purchase.

By accessing and using the financial aggregation service, you expressly authorise and direct Find A Wealth Manager Pte Ltd, on your behalf, to electronically retrieve your account information using Salt Edge, a third-party aggregation solution, and maintained by third-party cloud-hosted database, Firebase Realtime Database.

1. Institutions with which you have a legally binding customer relationship (“Account Information”). Subject to our privacy procedures as described in the Privacy Statement, Find A Wealth Manager Pte Ltd may work with one or more third party financial service technology providers to access and retrieve your Account Information.
2. For purposes of this agreement and solely to obtain and provide the account information to you as part of these services, you grant Find A Wealth Manager Pte Ltd a Limited Power of Attorney, and appoint Find A Wealth Manager Pte Ltd as your Attorney-In-Fact and Agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities , to access third party sites, servers or documents, retrieve information and use your information with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you could do in person.
3. You acknowledge and agree that when Find A Wealth Manager Pte Ltd is accessing and retrieving account information from third party sites, Find A Wealth Manager Pte Ltd is acting as your agent, and not as the agent of or on behalf of any third party. You agree that third party account providers shall be entitled to rely on the foregoing authorisation, agency and power of attorney granted by you.
4. You understand that the services are not endorsed or sponsored by any third party account providers accessible through the Services.

1. If you properly complete and submit the Questionnaire, then WealthUp shall use its reasonable endeavours to Introduce you to Professional Services Firms, listed on WealthUp’s database on the Introduction Date, with the intention that you obtain advice from the Professional Services Firm regarding your requirements and the Services.
2. WealthUp warrants that it:
   1. is impartial and that it only Introduces you on the basis of your answers to the Questionnaire and information provided by the Professional Services Firms about the Services they provide;
   2. does not under any circumstances provide financial or investment advice nor any financial products or services, and shall not provide you with any specific advice relating to any particular investment;
   3. does not make any arrangements for you with any Professional Services Firm regarding the Services;
   4. shall Introduce you to a maximum of three Professional Services Firms, unless:
   5. you specifically request more; or
   6. a Professional Services Firm has not contacted you within on week of the Introduction Date; or
   7. after a meeting with a Professional Services Firm, you deem the Professional Services Firm unsuitable; or
   8. you are an existing client of the Professional Services Firm or you have engaged in two way communication with the Professional Services Firm in the six months prior to the Introduction Date, in which case Find A Professional Services Firm shall at your request Introduce you to an additional Professional Services Firm.
3. Data and data integrity
   1. The overall integrity and quality of the data presented by Find A Wealth Manager Pte Ltd to you is an important element in providing you with a high quality and accurate picture of your personal finances. Find A Wealth Manager Pte Ltd, however, is not responsible for and cannot guarantee the accuracy or timeliness of Account Information we retrieve on your behalf directly, from third party technology providers, from third party financial institutions where your accounts are held, or from third party research/market data providers used to provide the Services.
   2. WealthUp is provided to you on an “as is” basis and, to the fullest extent permissible by law, we make no express or implied warranty as to the accuracy, timeliness, availability or uninterrupted use of the services. You hereby acknowledge that your use of the services is at your sole risk. Whilst we will use reasonable commercial efforts to ensure that all information from your Personal Financial Data is accurately captured, extracted and/or entered into our system, we do not guarantee the accuracy, integrity or quality of this process or any reports and/or analysis generated by WealthUp. You are responsible for reviewing and verifying all such reports and/or analysis and promptly informing us of any errors noted. Subject to that, we will take steps to investigate and rectify any confirmed errors as soon as reasonably practicable following receipt your notification.
   3. Find A Wealth Manager Pte Ltd may not be able foresee or anticipate technical or other difficulties which may result in failure to obtain data, personalization settings or other service interruptions. Find A Wealth Manager Pte Ltd assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications or personalization settings. Find A Wealth Manager Pte Ltd encourages you to periodically confirm the valuation or execution price of particular investments and insurance policies through independent sources, such as an investment adviser, broker-dealer or other financial institution.
   4. Find A Wealth Manager Pte Ltd is acting in compliance with the Personal Data Protection Act 2012 (the “PDPA”) as set out by the government of Singapore. The purpose of the PDPA is to govern the collection, use and disclosure of personal data by organizations in a manner that recognizes both the right of individuals to protect their personal data and the need of organizations to collect, use or disclose personal data for purposes that a reasonable person would consider appropriate in the circumstances. The Personal Data Protection Commission (the “Commission”) is established under the PDPA with the key functions, amongst others, of promoting awareness of data protection in Singapore and administering and enforcing the PDPA.
4. Third party software and service providers
   1. To facilitate our provision of our website, WealthUp and other services, we license software, tools and services from third-party providers. From time to time, we may revise this Agreement as requested by our third party providers and require that you agree to additional pass-through terms with respect to such third party providers. In the event that any use of the services of such third party providers results in you leaving WealthUp and entering the site of a third party provider, then you will be subject to the terms of service or use and the privacy policy of such third party provider, and Find A Wealth Manager Pte Ltd is no longer liable to you. Also, when you use or access the sites of your financial services providers, you will be subject to their terms of use/service and online policies, and your use of their services constitutes your agreement to their online terms and policies. Find A Wealth Manager Pte Ltd may share non-confidential information on social media platforms such as Facebook®, Instagram® and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content.
5. Your use of the site
   1. Your permission to use WealthUp is personal to you and non-transferable, and you may not use WealthUp for commercial purposes. A person who is not privy or a legal agent to this Agreement has no right to benefit under or entitlement to enforce any term of this Agreement.
   2. This website and all the materials, information and descriptions contained on it are provided on an “as is” and “as available” basis only, for general informational purposes, and you use them at your own risk. Our website is not intended to provide complete descriptions of all terms, exclusions and conditions applicable to every financial product or service offered by Find A Wealth Manager Pte Ltd.  Find A Wealth Manager Pte Ltd makes no representations or warranties of any kind whatsoever that the information and materials contained on our website are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. Find A Wealth Manager Pte Ltd also does not represent or warrant in any way that the website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code or that the transactions or communications made through this website shall at all times be secure, confidential, authentic or uncorrupted. To the maximum extent permissible by law, Find A Wealth Manager Pte Ltd and its related companies, directors, officers, and employees assume no responsibility, and shall not be liable for, any loss or damage, costs or expenses, including without limitation damage to your computer equipment or other property, incurred or suffered as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising out of or in connection with any delay in or failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.
      1. You understand and agree that the reports, analyses and other content provided to you by Find A Wealth Manager Pte Ltd is solely for your own general information purposes and does not constitute financial advice and may not be used by you to make financial or investment decisions, which should be based on your own independent research and analysis. If you decide to purchase financial products, including but not restricted to insurance products or investments, from Find A Wealth Manager Pte Ltd, the terms and conditions specified in your policy or agreement with Find A Wealth Manager Pte Ltd will apply. You also understand that all investments are subject to various market, currency, economic, political, business and other risks that entail a risk of loss that may cause you to lose money. Investments, particularly those in international stocks and stocks of smaller companies, present numerous risks, can be very volatile and can result in a loss of some or all principal investment. International investments include risks of currency fluctuation, political and economic instability and differences in financial reporting in addition to the risks present in domestic investments. Investments in smaller companies may involve greater risks than investments in larger, more mature companies. The value of debt securities frequently is reduced (sometimes dramatically) by increases in interest rates. While the insights you gain may assist in helping you manage your finances, you should consult with a licensed financial advisor before making investment decisions or deciding on significant changes to your personal financial strategy.
      2. To the maximum extent permissible by law, Find A Wealth Manager Pte Ltd disclaims all warranties, express or implied, including, but not limited to, implied warranties of satisfactory quality, merchantability or fitness for a particular purpose or non-infringement. By using Find A Wealth Manager Pte Ltd, you understand and acknowledge that the information and insights you gain or interpret are your own interpretations or views.
   3. By use of Find A Wealth Manager Pte Ltd, you shall not use the services of Find A Wealth Manager Pte Ltd for any unlawful, fraudulent, misleading, malicious, or discriminatory purpose. You shall not, but not limited to:
      1. impersonate any person or entity, false state or otherwise misrepresent your affiliation with any person or entity in connection with Find A Wealth Manager Pte Ltd or express or imply that we endorse any statement you make.
      2. assign or transfer any rights under this Agreement to any other person without our prior written consent. Subject to that, this agreement shall inure to the benefit of and be binding upon the Parties hereto and their respective successors and assigns.
      3. collect any content or information, or otherwise access the Site, using automated means (such as harvesting bots, robots, spiders, or scrapers) without our prior permission.
      4. transmit or upload into WealthUp any files containing malicious computer codes or any software that may damage our computing systems or networks or any other person’s computing device or any content that may be offensive or any material or data in violation of any law; and
      5. solicit login information or access an account belonging to someone else.
      6. Use WealthUp and its related platformed to defame, abuse, harass, stalk, threaten or otherwise violate the rights of others, including without limitation others’ privacy rights or rights of publicity;
      7. post content that: is hate speech, threatening, or pornographic; incites violence; or contains nudity or graphic or gratuitous violence.
      8. attempt to undermine the security or integrity of the computing systems or networks where the WealthUp is hosted, or take or permit any action which may impair the functionality of the Service or the Website;
      9. facilitate or encourage any violations of this Statement or our policies.
      10. attempt to copy, reproduce, reverse engineer or decompile any computer program, design, functionality and any other component of the Service and/or Applications, or engage in any Automated Data Collection for any purpose whatsoever without our prior express written permission. If you wish to reverse engineer any part of the Site, you must contact us and we may provide interface data subject to verification of your identity and other information;
      11. reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Site;
      12. remove any copyright, trademark or other proprietary rights notice from WealthUp or materials originating from WealthUp;
      13. frame or mirror any part of WealthUp without our express prior written consent;
      14. create a database by systematically downloading and storing Site content;
      15. use any manual or automatic device in any way to gather WealthUp content or reproduce or circumvent the navigational structure or presentation of WealthUp without our express prior written consent. Notwithstanding the foregoing, we grant the operators of public online search engines limited permission to use search retrieval applications to reproduce materials from WealthUp for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of such materials solely in connection with each operator’s public online search service.
   4. You warrant at all times that any information or data provided by you to Find A Wealth Manager Pte Ltd in connection with these Terms of Use is your own, is true and correct, does not infringe any rights, including intellectual property rights or confidentiality rights, of any person and that you are fully entitled to furnish such information or data to Find A Wealth Manager Pte Ltd for purposes of this Agreement and, for so long as your Subscription remains in force.
6. Registration and Account Security
   1. The Site requires users to provide your name, email information and other personal information as part of your detail settings to register an account with Find A Wealth Manager Pte Ltd. Here are some commitments you make to us relating to registering and maintaining the security of your account:
      1. You will not provide any false personal information on WealthUp, or create an account for anyone other than yourself without permission.
      2. You will not create more than one personal account.
      3. If we disable your account, you will not create another one without our permission.
      4. You will keep your contact information accurate and up-to-date.
      5. You will not share your password or let anyone else access your account, or do anything else that might jeopardize the security of your account.
      6. You will not transfer your account to anyone without first getting our written permission.
      7. If you select a username or similar identifier for your account or Page, we reserve the right to remove or reclaim it if we believe it is appropriate (such as when a trademark owner complains about a username that does not closely relate to a user’s actual name).
7. Mobile and Other Devices
   1. You provide consent and all rights necessary to enable users to sync (including through an application) their devices with any information that is visible to them on the Site.
   2. Electronic disclosure consent: To enroll for use of WealthUp, you consent to receive all notices and information from us and our partners electronically. Electronic communications may be posted on our Site and/or delivered to your registered email address. Your consent to receive communications electronically is valid until you revoke your consent by notifying us of your decision to do so. It is your responsibility to provide us with true, accurate and complete email addresses, contact and other information related to this disclosure and to maintain and update promptly any changes in this information. We will treat your provision of an invalid email address or any subsequent problems of delivery to a previously valid email address as a withdrawal of your consent to receive electronic communications. We reserve the right to terminate or change the terms and conditions on which we provide electronic communications and will provide you notice thereof in accordance with applicable law.
   3. You consent to the recording of any electronic or written correspondence and any or all telephone conversations between you, us and any of our Affiliates in connection with this Agreement and agree and understand that recordings may be submitted in evidence in any legal proceeding relating to this Agreement.
8. Third Party Sites
   1. WealthUp may enable you to link to the websites and to access the content, products and/or services of third parties, including users, advertisers, affiliates and sponsors of such third parties. We have no control over and are not responsible for any such third party websites or content, products or services and you agree to bear all risks associated with your access to and/or use of any such third party websites, content, products and services.
   2. You may create a link to WealthUp and it’s various platforms, provided that:
      1. The link is fair and legal and is not presented in a way that is (a) misleading or could suggest any type of association, approval or endorsement by us that does not exist, or (b) harmful to our reputation or the reputation of any of our affiliates;
      2. You retain the legal right and technical ability to immediately remove the link at any time, following a request by us to do so.
      3. We reserve the right to require you to immediately remove any link to WealthUp at any time and you shall immediately comply with any request by us to remove any such link
9. Site access
   1. You are responsible for all access to WealthUp using your internet connection, even if the access is by another person.
   2. We will use reasonable efforts to ensure that WealthUp is available at all times. However, we cannot guarantee that WealthUp or any individual function or feature of WealthUp will always be available and/or error free. WealthUp may be unavailable during periods when we are implementing upgrades or carrying our essential maintenance on WealthUp.
10. Intellectual property
    1. The technology and contents of the Service, including, but not limited to, the “look and feel” (such as text, graphics, images, illustrations, logos, button icons) of our Websites, Applications and all other material, collective data, photographs, videos, tutorials, editorial content, notices, software and other content, are the property of Find A Wealth Manager Pte Ltd (and/or its licensors), which is protected by copyright law of Singapore and international treaties, trademark, patent laws and/or all other intellectual property laws, as may be applicable.
    2. As part of WealthUp, Find A Wealth Manager Pte Ltd grants you a non-exclusive, limited, royalty-free, revocable license, during the term of this Agreement, to use our Websites and Applications to facilitate your personal, non-commercial use of WealthUp.
    3. You acknowledge and agree that Find A Wealth Manager Pte Ltd, WealthUp and the WealthUp logo are our trademarks and/or service marks and may not be used by you without our prior written consent.
    4. Any distribution, reprint or electronic reproduction of any content from WealthUp, in whole or in part, is strictly prohibited without our prior written consent.
11. Alerts
    1. We may provide automatic alerts and voluntary account-related alerts from time to time. Automatic alerts may be sent to you following certain events of interest, such as changes made online on WealthUp (e.g., a change in your password) or events or movements in your portfolio.
    2. Voluntary account alerts may be turned on by default as part of WealthUp. They may then be customized, deactivated or reactivated by you. We may add new alerts from time to time, or cease to provide certain alerts at any time in our sole discretion. Electronic alerts for a given account will be sent to the email address you have provided as your primary email address for that account. If your email address or your mobile device’s email address changes, you are responsible for informing us of that change. Changes to your email address or mobile number will apply to all of your alerts. Because alerts are not encrypted, we will never include your password. However, alerts may include your User ID and some information about your accounts. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future voluntary alerts.
    3. You understand and agree that any alerts provided to you through WealthUp may be delayed or prevented by a variety of factors. We use reasonable best efforts to provide alerts in a timely manner with accurate information. However, except as otherwise provided herein, we neither guarantee the delivery nor the accuracy of the content of any alert. Furthermore, except as otherwise provided herein, you also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.
12. Exclusion of liability
    1. We provide WealthUp on an “as is” basis and make no representations as to the quality, completeness or accuracy of any content made available on WealthUp. To the maximum extent permitted by law, we expressly exclude:
       1. All conditions, warranties and other terms that might otherwise by implied by law into these Terms of Use; and
       2. Any and all liability to you, whether arising under these Terms of Use or otherwise in connection with your use of the Site.
    2. To the maximum extent permitted by law, we will not be liable to you for any loss (including loss of information, data, revenues, profits or savings) or damage resulting, directly or indirectly, from any use of, or reliance on WealthUp. You assume sole responsibility for results obtained from the use of WealthUp and the conclusions drawn from such use. You indemnify us against all costs, losses and damages arising from your breach of any of the Agreement and any other obligation you may have to Find A Wealth Manager Pte Ltd.
    3. In the event that any of the foregoing is held not to be applicable by any court of competent jurisdiction, our liability for all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties shall not exceed the subscription fees you have paid over your tenure of WealthUp.
13. Collection of your personal information
    1. We may collect and use information about you in accordance with our privacy policy. You can view a copy of this policy here at wealthup.co/privacy. Our Privacy Policy may be updated from time to time at our discretion. You may be provided with advance notice of any changes. Changes to our Privacy Policy will be effective upon posting to WealthUp.
    2. The aforesaid privacy policy is incorporated into this Agreement by virtue of this clause.
    3. The financial account statements and other financial data that you provide to us or otherwise authorize us to have access to (collectively, your “Personal Financial Data”), is your property. You grant us a nonexclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable right to exercise the copyright and database rights you have in your Personal Financial Data. You agree to allow us to store or re-format your Personal Financial Data in any way we choose. We will only use your Personal Financial Data in accordance with our Privacy Policy.
    4. You acknowledge that, for your privacy, security and other operational reasons, your data in the original form received by us may be deleted without being backed-up by us after such data has been processed for purposes of WealthUp.
    5. If you decide to stop WealthUp and cancel your registration, we will delete your Personal Financial Data, both in its original form (if it has not been deleted yet) and in its processed form as it appears in your WealthUp user area, from WealthUp, within a reasonable time. Kindly note that (a) there may be some latency in removing this information from our servers and backup storage; and (b) we may retain your data and information, and in certain cases, may disclose the same to third parties if necessary to comply with applicable laws and legal obligations, resolving disputes, enforcing this Agreements and protect our intellectual property rights.

1. You warrant that in using the Website you shall:
   1. provide accurate answers to the Questionnaire;
   2. complete the Questionnaire in good faith with the genuine intention of discussing your requirements with the Professional Services Firms to whom you are Introduced;
   3. assist WealthUp with any reasonable queries WealthUp may have, including but not limited to, queries relating to your answers to the Questionnaire and any existing relationship with Professional Services Firms;
   4. not access, interfere with, damage or disrupt any part of the Website, any equipment, systems or network used to operate the Website, or attempt to access any secure area
   5. transmit any data, send or upload any material that contains viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer or hardware;
   6. use current virus checking software when using the Website; and
   7. not reproduce, duplicate, copy or re-sell any part of the Website.
2. You may commit a criminal offence under the Computer Misuse and Cybersecurity Act 2007 (Part II Offences) if you breach provisions (v) and (vi) above. WealthUp will report any such breach to the relevant law enforcement authorities and WealthUp will cooperate with those authorities and may disclose your identity.

1. These Terms of Use are effective until terminated. We may, at any time and for any reason, terminate your access to or use of all, or part of, WealthUp. If we terminate your access to WealthUp you will not have the right to bring claims against us or our affiliates with respect to such termination. We and our affiliates shall not be liable for any termination of your access to WealthUp.
2. You may cancel your registration with Find A Wealth Manager Pte Ltd by sending us a request via [email protected]
3. We may forthwith suspend or terminate, at our sole discretion, your use of WealthUp, if you:
   1. breach any of the terms of this Agreement and such breach, where rectifiable, remains unrectified for 14 days or more after the breach will result in termination;
   2. breach any of the terms of this Agreement and such breach is not capable of being remedied; or
   3. use WealthUp in a manner that may expose us to legal liability, disrupt WealthUp and/or disrupt other users’ use of WealthUp.
4. Notwithstanding any other provision of the Agreement, we reserve the right to suspend or discontinue the use of WealthUp, either temporarily or permanently and either wholly or in part, for maintenance purposes or otherwise, without prior notice.

1. This Agreement, together with our Privacy Statement, your registration and any other notices or instructions given to you under this agreement, supersedes and replaces all prior agreements, representations (whether oral or written), and understandings and constitute the entire agreement between you and us relating to WealthUp and the use of our websites and applications.
2. No waiver of any claim, right or entitlement will be effective unless made in writing. If either party waives any breach of this agreement, this will not constitute a waiver of any other or continuing breach.
3. Neither party will be liable for any delay or failure in performance of its obligations under this agreement if the delay or failure is due to any cause outside its reasonable control. This clause does not apply to any obligation to pay money. If the event leading to such delay continues for more than 1 month, either party will be entitled to terminate this agreement, upon written notice to the other, whereupon this agreement shall forthwith terminate with no further claims on the part of either party but without prejudice to any previously accrued claims.
4. his agreement shall be governed and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with this agreement, including any question regarding its existence, validity or termination, shall be referred to and resolved by arbitration in Singapore in accordance with the Arbitration Rules of Singapore International Arbitration Centre (“SIAC”) for the time being in force which rules are deemed to be incorporated by reference to this clause. The tribunal shall consist of one (1) arbitrator to be appointed by the President of the SIAC Court of Arbitration. The language of the arbitration shall be in English. The physical venue of the arbitration shall be Singapore. The decision of the arbitrator shall be final and binding on the Parties and may be used (without limitation) as a basis for judgment in any country which has ratified the 1958 New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards.
5. If any part or provision of this agreement is invalid, unenforceable or in conflict with the law, that part or provision shall be deemed replaced with a provision which, as far as possible, accomplishes the original purpose of that part or provision or if such replacement is not practicable shall be deemed deleted, in either case without affect the legality and binding nature of the remainder of this agreement.
6. Any notice given under this agreement by either party to the other must be in writing, by email, or by electronic communication via the website and will be deemed to have been given on transmission, unless the recipient can satisfactorily establish that the email or electronic communication was not received by the recipient’s email or web server. Notices to us must be sent by email to [email protected] or by electronic communication via the Website from time to time for such purpose. Notices to you will be sent to the email address which you provided when registering for setting up your access to WealthUp (or to such updated email address as may be notified to us from time to time) or by electronic communication via the Website.
7. You acknowledge and agree that we are merely a service provider in connection with WealthUp and that nothing in this agreement shall cause or constitute the parties to be partners, agents or fiduciaries of, or joint ventures with, each other.

1. WealthUp promotes introductions to Services provided by suitably authorised and regulated Professional Services Firms in Singapore. It does not itself, and will not, offer or provide any financial advice or carry on any other regulated activities as defined in the Financial Advisers Act (Cap 110) 2007.
2. The contents of this Website do not purport to provide any financial, investment or professional advice and nothing on the pages of the Website shall be deemed to constitute the offer or provision of financial, investment or other professional advice in any way.
3. While WealthUp tries to ensure that the Website is as accurate as possible WealthUp makes no warranty of any kind with respect to the information on the Website.
4. WealthUp is not responsible for any actions (or lack thereof) taken as a result of relying on or in any way using the information on the Website and in no event does WealthUp have any liability for any damages resulting from reliance on or use of such information.
5. WealthUp has no responsibility for any goods or services offered or provided by any third party. For the avoidance of doubt, WealthUp has no responsibility to you for any goods, services or activities offered or provided by any Professional Services Firm, including Professional Services Firms introduced pursuant to these terms and conditions or the Questionnaire.
6. Descriptions of or references or links to other publications within the Website do not imply endorsement of these publications, businesses or individuals.
7. Except for the express limited warranties set forth in these terms and conditions, and to the maximum extent permitted by law, WealthUp makes no warranties, representations or conditions of any kind, express, implied, statutory, or otherwise by any country or jurisdiction, related to or arising in any way out of these terms and conditions or the questionnaire, or to the products, services, intellectual property or benefits related to these terms and conditions, or to the quality, suitability or availability of any Professional Services Firm, or the success of any activities or the amount of financial returns or investment returns that will be generated as a result of these terms and conditions or the questionnaire. WealthUp specifically disclaims any implied warranty, term, representation or condition of merchantability, satisfactory quality, fitness for a particular purpose, and non-infringement.
8. WealthUp does not represent that this website or its contents and materials are appropriate or available for use in all jurisdictions. If you access or use this website, you do so at your own initiative and you shall be responsible for compliance with your local laws.
9. WealthUp does not warrant or guarantee the accuracy or completeness of the contents or materials on this website which may be out of date, nor does WealthUp make any commitment or assume any duty to update such contents or materials.
10. WealthUp does not warrant or guarantee that information and materials available for download from this website will be free of infection from viruses, worms, trojan horses or other code that manifests contaminating or destructive properties
11. Without limiting the foregoing, everything on the website is provided to you “as is” without warranties of any kind, either express or implied, including, but not limited to warranties of merchantability, fitness for a particular purpose or non-infringement. All users access and use this website and its content at their own risk. WealthUp does not accept responsibility for information on other sites, including those linked to this website.
12. WealthUp reserves the right to limit provision of information of our products or services to any person, geographic region or jurisdiction and/or to limit the quantities of any products or services we provide.

1. WealthUp is a trademark of Find A Wealth Manager Pte Limited. All other names and logos identifying the Website and its services are either:
   1. proprietary marks of WealthUp; or
   2. marks which WealthUp is licensed to use.
2. Subject to clause 5, these terms and conditions do not provide you with any license of any mark or of any other intellectual property of WealthUp or any third party.

1. The copyright in the content (including but not limited to design, text and graphics) of all the pages on the Website is owned by WealthUp, or its licensors (except where otherwise stated). Reproduction of part or all of the contents in any form is prohibited other than in accordance with the following permissions.
2. WealthUp authorises you to carry out the following actions, provided that you comply with your obligations under these terms and conditions:
   1. view and display the content of the Website; and
   2. print or download to a local or network hard drive extracts from or whole pages for your personal use provided you do not delete the copyright notice “© Find A Wealth Manager Private Limited 20[year]” from any such printouts and downloads.
3. You must not modify the paper or digital copies of any materials that you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
4. You are not permitted to incorporate any materials, or any part of the materials, from the Website in any other work or publication, whether in hard copy or electronic or any other form.
5. You may not:
   1. systematically extract and/or re-utilise parts of the Website;
   2. use substantial parts of the Website to create and/or publish your own database;
   3. frame or use framing techniques to enclose any trade mark, logo, or other proprietary information of WealthUp; or
   4. link to any part of the Website, other than the home page, for any commercial purpose, unless you have WealthUp’s express written consent.
6. No part of the Website may be distributed or copied for any commercial purpose.

1. To the fullest extent permissible by the applicable law, in no event shall WealthUp be liable to you or to any party for any loss or damage of any kind howsoever caused arising out of or in any way connected with the use of this website.
2. Your use of the website is at your own risk. In no event shall WealthUp, its affiliates or any other party involved in creating, producing or delivering the website be liable for any damages (including, without limitation, direct, incidental, consequential, indirect or punitive loss or damages, or damages resulting from lost profits, lost data or business interruption) arising out of your access to, use of or inability to access or use, the website or any errors or omissions in its content. This includes damages to or viruses that may infect your computer equipment.
3. Nothing in these terms and conditions is intended to exclude or limit WealthUp liability for any liability which cannot be excluded or limited by law.
4. You agree to indemnify, defend and hold harmless WealthUp, its officers, directors, employees, agents, suppliers, affiliates, and third party partners from and against all losses, expenses, damages and costs, including reasonable legal fees, resulting from any violation by you of these terms and conditions, or any activity related to your user account with WealthUp (including negligent or wrongful conduct) by you or any other person accessing the website using your account.

1. WealthUp reserves the right to suspend access to the Website at any time.
2. WealthUp may suspend access to the Website without warning if the Website needs maintenance or breaks down.
3. WealthUp will suspend access to the Website if required to do so by any court or any other relevant authority.

1. WealthUp takes your privacy very seriously, and has created a Privacy Policy that explains the rights and responsibilities with respect to personal information disclosed on the Website. Please see the Privacy Policy of WealthUp for your reference on what information we collect and how we will use and protect it. By using this Website, you accept and consent to the practices described in our Privacy Policy.

1. WealthUp is an independent contractor, and nothing in these terms and conditions shall constitute the creation, establishment or relationship of partnership, joint venture or employer and employee between the parties.

1. WealthUp is an independent and cost-free service for you the client to use.
2. WealthUp receives payment from the Professional Services Firms who are members of the database of the Website via:
   1. an annual membership fee
   2. Depending on the industry some Professional Services Firms that WealthUp introduce you to, remunerate us for client leads that they receive if a client lead ever does business with the Professional Services Firm. That referral fee can equate to up to half of the revenue that they earn from the client lead in the first year of doing business. This remuneration may also be paid out over a longer period than one year, depending on the Professional Services Firm.

1. These terms and conditions constitute the entire contract between the parties and supersedes and extinguishes all previous drafts, contracts, arrangements and understandings between them, whether written or oral, relating to its subject matter.
2. Each party acknowledges that in entering into these terms and conditions it does not rely on, and shall have no remedies in respect of, any representation or warranty (whether made innocently or negligently) that is not set out in these terms and conditions. No party shall have any claim for innocent or negligent misrepresentation based upon any statement in these terms and conditions.

1. Any notice or other communication required to be given under these terms and conditions, must be given in writing.

1. WealthUp may amend these terms and conditions by publishing any amendments on the Website which will become effective 14 days after notification of such amendment appears on the Website. Your continued use of the Website will be deemed acceptance of the updated terms.
2. Access to the Website is free, however it is WealthUp’s policy to continuously review the terms on which WealthUp’s provides services and accordingly WealthUp reserves the right to introduce a charge to use the Website at any time. WealthUp may vary any such account charges from time to time.
3. You may not transfer your rights under these terms and conditions. WealthUp may transfer its responsibilities in these terms and conditions without your permission provided that your rights are not reduced.
4. If any provision of these terms and conditions shall be found by any court of competent jurisdiction to be invalid or unenforceable in whole or in part, such invalidity or unenforceability shall not affect the other part of that provision or the other provisions of these terms and conditions which shall remain in full force and effect.
5. The failure of either party to enforce or to exercise at any time or for any period of time any term of or any right pursuant to these terms and conditions does not constitute, and shall not be construed as, a waiver of such term or right and shall in no way affect that party’s right later to enforce or to exercise it.
6. These terms and conditions do not confer any benefit on a third party under the Contracts (Rights of Third Parties) Act (Cap 53B).