Terms of Use

1. Website owner

This website is operated for ALFA-MEGA ASSOCIATES PTE LTD, an insurance agency and financial planning services business in Singapore. Our contact address is 41 LENTOR LOOP, FLORISSA PARK, Singapore 789093. You may contact us at support@alfa-megapte.com or +65 84533341.

2. Acceptance of these Terms

By accessing or using this website, you agree to these Terms. If you do not agree, you should not use this website. These Terms apply to all visitors, users, and others who access the website, whether for general information, enquiry submission, or service contact purposes.

3. Informational content only

The content on this website is provided for general information about insurance agency and financial planning services. It is not intended to be financial, legal, tax, investment, insurance, or regulatory advice tailored to your specific circumstances. You should not rely on website content alone when making insurance or financial decisions.

4. No automatic client relationship

Submitting a form, sending an email, calling us, or viewing website information does not automatically create a client, adviser, agency, fiduciary, or professional relationship. A formal relationship, if any, will depend on further communication, verification, suitability review, documentation, and acceptance by the relevant parties.

5. Insurance and financial planning discussions

Insurance products, financial planning considerations, policy terms, premiums, exclusions, and claim requirements may vary based on individual circumstances, insurer rules, underwriting, and current product documentation. Any discussion must be reviewed against official policy documents, insurer communications, and applicable requirements.

6. Accuracy of website content

We aim to keep website information clear and useful, but we do not guarantee that all information is complete, accurate, current, uninterrupted, or error-free. Website content may be updated, removed, replaced, or reorganised without prior notice.

7. User responsibilities

You agree to use this website responsibly and lawfully. You must not submit false, misleading, offensive, unlawful, confidential third-party, or unauthorised information. You must not attempt to interfere with the website, compromise security, scrape content at scale, introduce malware, or use the website in a way that disrupts its operation.

8. Information you submit

When submitting an enquiry, you are responsible for ensuring that the information provided is accurate and that you have permission to share any third-party details. You should avoid submitting highly sensitive documents through general forms unless specifically requested through an appropriate channel.

9. Third-party websites and providers

This website may refer to insurers, service providers, portals, third-party websites, external tools, or other resources. We are not responsible for the availability, accuracy, privacy practices, security, or content of third-party websites or services. Accessing third-party resources is at your own discretion.

10. Intellectual property

Unless otherwise stated, website design elements, text, layouts, graphics, branding presentation, and other website materials are owned by or licensed for use by ALFA-MEGA ASSOCIATES PTE LTD. You may view the website for personal or internal business reference, but you may not copy, reproduce, distribute, modify, or commercially exploit website materials without permission.

11. Availability and changes

We may suspend, withdraw, modify, or restrict access to any part of the website at any time. We are not liable if the website is unavailable due to maintenance, hosting issues, technical faults, security concerns, third-party provider interruptions, or circumstances beyond our reasonable control.

12. Limitation of liability

To the fullest extent permitted by law, ALFA-MEGA ASSOCIATES PTE LTD is not liable for losses, damages, expenses, or claims arising from use of this website, inability to use this website, reliance on general website information, website interruptions, third-party links, or unauthorised access beyond our reasonable control.

13. Indemnity

You agree to indemnify and hold ALFA-MEGA ASSOCIATES PTE LTD harmless from claims, losses, liabilities, damages, costs, or expenses arising from your misuse of the website, breach of these Terms, unlawful conduct, or submission of information that you were not authorised to provide.

14. Privacy and cookies

Your use of this website is also subject to our Privacy Policy and Cookie Policy. These explain how personal information and browser storage preferences may be handled when you interact with the website.

15. Changes to these Terms

We may update these Terms from time to time. The latest version will be posted on this page. Continued use of the website after updates are published means you acknowledge and accept the revised Terms.

16. Governing law

These Terms are governed by the laws of Singapore. Any disputes relating to this website or these Terms will be handled subject to applicable Singapore law, procedures, and court jurisdiction.