Terms and conditions

By assessing or using our website(s), you agree to the following terms and conditions.


You should review these terms and conditions each time you visit our site as they may change at any time at our sole discretion.


If you do not agree to any term or condition, you should not assess or otherwise use our website. “Content” refers to any materials, documents, images, graphics, logos, designs, audios, videos, hyperlinks and any other information provided from or on our website.


This website is provided to you without charge as a convenience and for your information only.


By merely providing access to this website content, we do not warrant or represent that: your access to this website will be free from interruptions, errors, computer viruses or other harmful components.


We do not assume any liability for these matters. In other words, you use this website at your own risk.


The contents of the website are not to be construed as financial advice or financial recommendation.


Please seek a licensed Singapore financial adviser for any needed financial advice. Our advisers would be pleased to provide their services.


Hyperlink disclaimer – We do not take responsibility for links to third party content

The fact that we have provided a link to a third-party website does not mean that we endorse, authorise or sponsor that website, nor does it constitute a contract.

Privacy Policy

The security of your personal data is important to us. Aphoenity has in place safeguards to protect your personal data that are stored with us. This policy describes how we may collect, use, disclose, process and manage your personal data.  


This policy applies to all individuals whose personal data is in our possession or under our control.  


What personal data we collect “Personal data” is data that can be used to identify a natural person. Some examples of your personal data that we may collect are:  


Personal Particulars (e.g. name, contact details, residential address, date of birth, identity card/passport details, and/or education details);  

Specimen Signature(s);  

Financial Details (e.g. income, expenses, and/or credit history);  

Health and Medical Information;  

Employment Details (e.g. occupation, directorships and other positions held, salary, and/or benefits);  

Existing Insurance Information;  

Information regarding your risk profile, existing investments, investment objectives, knowledge and experience and/or business interests and assets;  

Banking Information (e.g. account numbers and banking transactions); and/or  

Personal Opinions made known to us (e.g. feedback or responses to surveys).  

Disclosure and Sharing of Personal Data

We may from time to time disclose your personal data to any personnel of Aphoenity only on a need to know basis.


Aphoenity does not provide your personal data to third parties for their marketing purposes without your consent.


We do not sell your personal data to any third parties.  


We may share or collect your personal data on behalf of third-party product and/or service providers in order to enable us to carry out the purposes set forth above.  


We wish to emphasise that we shall remain fully compliant of any duty or obligation of PDPA required of us in the collection, use and disclosure of your personal data that you provide to us.  

Usage of your Personal Data

We may use your personal data for our core business purposes, such as:  


For Individuals:

Developing and Providing Financial Advisory Services, recommending suitable products and/or services (whether made available by us or through us), including but not limited to:  

Financial Planning;  

Retirement Planning;  

Medical and Health insurance;  

Wealth Management; and  

Estate Planning.  


For Corporate:

Developing and Providing Financial Solutions, Recommending suitable products and/or services (whether made available by us or through us), including but not limited to:  

Business Operation Insurance;  

Group Employee Benefits;  

Business Continuity Planning.  


conducting credit checks, screenings or due diligence checks as may be required under applicable laws, regulations or directives;  

complying with all applicable laws, regulations, rules, directives, orders, instructions and requests from any local or foreign authorities, including regulatory, governmental, tax and law enforcement authorities or other authorities;  

financial reporting, regulatory reporting, management reporting, risk management (including monitoring credit exposures), audit and record keeping purposes.  


We may also use your personal data for marketing purposes.  

If we were already in possession of your personal data prior to 01 JAN 2020, we may have been using your personal data to market products or services to you via various channels, including through voice calls and text messages.

Subject to all applicable provisions under the Personal Data Protection Act, we may continue to use your personal data to market products or services which we believe may be of interest to you unless you notify us in writing that you do not want to receive such messages.  

Fair Dealing

In support of the Monetary Authority of Singapore’s efforts to raise the standards of the industry, Aphoenity supports the five FAIR DEALING outcomes…


At Aphoenity, fair dealing is central to our corporate culture and values.

Our business is conducted in a transparent, ethical and professional manner.


We are committed to fair dealing with customers as a priority and to communicate clearly and consistently to our customers.


We support the five fair dealing outcomes:


Fair Dealing Outcome 1: Customers have confidence that they deal with financial institutions where fair dealing is central to the corporate culture


Fair Dealing Outcome 2: Financial institutions offer products and services that are suitable for their target customer segments.


Fair Dealing Outcome 3: Financial institutions have competent representatives who provide customers with quality advice and appropriate recommendations.


Fair Dealing Outcome 4: Customers receive clear, relevant and timely information to make informed financial decisions.


Fair Dealing Outcome 5: Financial institutions handle customer complaints in an independent, effective and prompt manner.


Other Websites

Our web sites may contain links to other web sites which are not maintained by Aphoenity.


This privacy policy only applies to the websites of Aphoenity.


When visiting these third-party web sites, you should read their privacy policies.  

Retention of personal data Your personal data is retained as long as the purpose for which it was collected remains and until it is no longer necessary for any other legal or business purposes.