Terms and Conditions
Last updated: November 21, 2025
Contact Information
Legal Agreement
These Terms and Conditions constitute a legally binding agreement between you and Assured Horizon. By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.
This agreement governs your relationship with Assured Horizon and sets forth the rights and obligations of both parties. If you do not agree with any part of these terms, you must discontinue use of our website and services immediately.
IMPORTANT
Please read these terms carefully before using our services. Your continued use of our website and services constitutes acceptance of any updates or modifications to these terms.
User Obligations
1 Compliance with Laws
You agree to comply with all applicable laws and regulations in connection with your use of our services, including but not limited to:
- • Local, state, and national laws of Singapore
- • Financial services regulations and requirements
- • Data protection and privacy regulations
- • Anti-money laundering and counter-terrorism financing laws
2 Prohibited Activities
You agree not to engage in any of the following prohibited activities:
- • Using our services for any unlawful purpose or in violation of these terms
- • Providing false, misleading, or inaccurate information
- • Interfering with or disrupting the operation of our services
- • Attempting to gain unauthorized access to our systems or data
- • Using automated tools to access or scrape our website
- • Harassing, threatening, or abusing our staff or other users
3 Content Guidelines
If you submit any content to us (including through forms, emails, or other communications), you agree that such content:
- ✓ Does not violate any third-party rights, including intellectual property rights
- ✓ Does not contain harmful, offensive, or inappropriate material
- ✓ Is accurate and truthful to the best of your knowledge
- ✓ Does not contain viruses, malware, or other harmful code
4 Age Requirements
You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into this agreement.
User Responsibilities
Accurate Information
You are responsible for providing accurate, current, and complete information when engaging our services. Any decisions or recommendations we make are based on the information you provide, and inaccurate information may affect the suitability of our advice.
Indemnification
You agree to indemnify, defend, and hold harmless Assured Horizon, its affiliates, officers, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses arising from your violation of these Terms and Conditions or your use of our services.
Privacy and Data Protection
You are responsible for maintaining the confidentiality of any sensitive financial or personal information. While we implement security measures to protect your data, you should also take reasonable precautions when transmitting information to us.
Third-Party Interactions
If you interact with third-party service providers, financial institutions, or other parties as part of implementing our recommendations, you are responsible for your interactions with such parties and any agreements you enter into with them.
Updates and Communication
You agree to promptly notify us of any material changes to your financial situation, goals, or circumstances that may affect our recommendations or your financial plan.
Liability and Warranties
Disclaimer of Warranties
AS-IS BASIS
Our services are provided on an as-is and as-available basis. We make no warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that our services will be uninterrupted, error-free, or free from harmful components. We do not guarantee any specific results from the use of our services.
Limitation of Liability
To the maximum extent permitted by applicable law, Assured Horizon shall not be liable for:
- • Any indirect, incidental, special, consequential, or punitive damages
- • Loss of profits, revenue, data, or business opportunities
- • Investment losses or financial decisions based on our services
- • Damages arising from third-party actions or services
- • Damages resulting from your failure to follow recommendations
Our total liability to you for any claims arising from or related to our services shall not exceed the amount you paid to us for services in the 12 months preceding the claim.
Consequential Damages Exclusion
In no event shall Assured Horizon be liable for any consequential, incidental, indirect, exemplary, special, or punitive damages, including lost profits, even if we have been advised of the possibility of such damages.
Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, acts of government, telecommunications failures, cyber attacks, pandemics, or other force majeure events.
Legal Information and Dispute Resolution
1. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law principles.
You agree to submit to the exclusive jurisdiction of the courts of Singapore for the resolution of any disputes arising from these terms or your use of our services.
2. Dispute Resolution Procedures
In the event of any dispute, controversy, or claim arising out of or relating to these Terms and Conditions, the parties agree to follow this resolution process:
- Step 1: Informal negotiation - The parties shall attempt in good faith to resolve the dispute through direct negotiation for a period of 30 days.
- Step 2: Mediation - If informal negotiation fails, the parties may agree to mediation before an independent mediator in Singapore.
- Step 3: Litigation - If mediation is unsuccessful or not pursued, either party may initiate legal proceedings in the appropriate courts of Singapore.
3. Severability Clause
If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, the provision shall be severed from these terms. The remaining provisions shall continue in full force and effect.
4. Waiver
No waiver of any term or condition of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision.
5. Assignment
You may not assign or transfer these Terms and Conditions or any rights granted hereunder without our prior written consent. We may freely assign or transfer these terms and our rights and obligations hereunder.
6. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, Terms of Service, and any other legal notices or agreements, constitute the entire agreement between you and Assured Horizon and supersede all prior or contemporaneous communications and proposals.
7. Modifications
We reserve the right to modify these Terms and Conditions at any time. Material changes will be effective upon posting to our website with an updated effective date. Your continued use of our services after such modifications constitutes your acceptance of the updated terms.
Professional Standards and Conduct
Assured Horizon is committed to maintaining high professional standards in all our interactions and services:
Ethical Conduct
We adhere to professional ethical standards and industry best practices in providing financial planning services.
Confidentiality
We maintain strict confidentiality regarding your financial information and personal circumstances.
Competence
Our advisors maintain appropriate qualifications and continue professional development.
Transparency
We provide clear information about our services, fees, and any potential conflicts of interest.
Questions or Concerns
If you have any questions about these Terms and Conditions or wish to report a violation, please contact us: