Disclaimer

1. General Information Only

Information, commentary, tools, calculators, projections, workshops, articles, videos and other materials made available through NorthAxis are general, informational, educational or illustrative in nature only. They do not constitute financial, investment, insurance, tax, legal, accounting or other professional advice and should not be relied upon as the sole basis for any financial or other decision.

2. No Personal Recommendation or Offer

Nothing on NorthAxis constitutes a personal recommendation, offer, invitation or solicitation to buy, sell, subscribe for or hold any investment, insurance policy, security or other financial product. References to markets, asset classes, strategies, products or financial concepts are provided for educational or illustrative purposes unless expressly stated otherwise through an appropriately authorised advisory process.

3. Financial Advisory and Regulatory Position

NorthAxis is a financial education, content and technology platform. Access to or use of NorthAxis does not by itself create a financial adviser-client or other professional advisory relationship.

Any regulated financial advisory services are provided separately through the relevant licensed financial advisory firm and are subject to applicable regulatory and advisory requirements.

This website and its contents have not been reviewed by the Monetary Authority of Singapore.

4. Investments and Markets

Investments involve risk. Values and income may rise or fall and users may lose some or all of the amount invested. Past performance is not indicative of future results. Market commentary and analysis may become outdated as conditions change and should not be treated as a prediction or guarantee of future performance.

5. Money & Macro, Articles, Videos and Workshops

Money & Macro and other educational content, including workshops, articles, videos and guides, are intended to improve general understanding of markets, investing, wealth, protection and financial decision-making. Content is not tailored to any person’s objectives, financial situation, risk profile or needs.

Users should consider their individual circumstances and obtain appropriate professional advice before making financial decisions.

6. Tools, Calculators and Workspaces

NorthAxis tools, calculators, Client Workspace and Adviser Workspace may generate figures, projections, portfolio views, scenario analyses or other outputs based on user-entered information and assumptions. Outputs are estimates and illustrations only.

Actual outcomes may differ materially. Users are responsible for verifying inputs and should not rely on any output as the sole basis for a recommendation or decision. Advisers and professional users remain responsible for any advice, suitability assessment, compliance obligation and client communication arising from their professional activities.

7. CPF and Retirement Information

CPF-related information and projections, including CPF LIFE payout estimates, BRS/FRS/ERS figures and Retirement Account assumptions, are indicative only and may rely on publicly available information and simplified modelling assumptions. CPF policies, legislation, interest rates and applicable limits may change. Users should refer to official CPF sources for current and authoritative information.

8. Insurance and Wealth Protection

Insurance and protection information is general or illustrative. Protection-needs analyses do not constitute an offer of insurance or a recommendation of a particular policy. Actual coverage, premiums, benefits, exclusions, underwriting and eligibility depend on the terms of the relevant insurer and policy and the individual circumstances of the applicant.

9. Tax, Legal and Accounting Information

Any tax, legal or accounting information is general in nature and may not reflect all relevant facts, jurisdictions or changes in law and practice. Users should obtain advice from appropriately qualified professionals before acting on such information.

10. Accuracy, Currency and Third-Party Information

We aim to provide useful information but do not warrant that content, data, calculations or third-party information is complete, accurate, current or free from error. Information may change without notice. Links, embedded content and third-party data are provided for convenience and do not constitute endorsement of the third party or its content.

11. No Warranty

NorthAxis is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, NorthAxis makes no representation or warranty, express or implied, as to accuracy, completeness, reliability, availability, merchantability, fitness for purpose or suitability of the Platform or its content or outputs.

12. Limitation of Liability

To the fullest extent permitted by applicable law, NorthAxis and its partners, directors, employees, representatives and agents shall not be liable for loss, damage, cost or expense arising from or in connection with access to, inability to access, use of, or reliance on NorthAxis, its content or outputs, including errors, omissions, delays, interruptions, changes in law or policy, market conditions or user-entered assumptions.

Nothing in this Disclaimer excludes or limits liability that cannot lawfully be excluded or limited.

13. Contact

Questions about this Disclaimer may be sent to northaxis.space@gmail.com.