Terms of Service

1. Introduction and Acceptance

These Terms of Service ("Terms") govern your use of the website, services, and products provided by Telegferru Financial Management Pte. Ltd. ("Telegferru," "we," "our," or "us"). By accessing our website, engaging our services, or entering into any agreement with us, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our website or services. These Terms constitute a legally binding agreement between you and Telegferru.

2. Company Information

Telegferru Financial Management Pte. Ltd.

• Address: 1 Raffles Place, #20-61, Singapore 048616
• Phone: +65 6221 8888
• Email: [email protected]
• Website: www.telegferru.com
• Regulatory License: Licensed by the Monetary Authority of Singapore (MAS)

3. Services Description

Telegferru provides the following financial services:

3.1 Investment Advisory Services

• Portfolio management and investment advice
• Asset allocation and investment strategy development
• Investment research and market analysis
• Risk assessment and management

3.2 Financial Planning Services

• Comprehensive financial planning
• Retirement planning and CPF optimization
• Estate planning and wealth transfer strategies
• Insurance and risk management planning

3.3 Wealth Management Services

• Discretionary portfolio management
• Private banking and custody services
• Alternative investment opportunities
• Tax planning and optimization

4. Client Obligations and Responsibilities

4.1 Information Accuracy

You agree to:

• Provide accurate, complete, and current information
• Update us promptly of any changes to your financial situation
• Notify us of changes to your investment objectives or risk tolerance
• Maintain the confidentiality of your account information

4.2 Compliance Requirements

You represent and warrant that:

• You have the legal capacity to enter into these Terms
• You will comply with all applicable laws and regulations
• You are not subject to any investment restrictions or prohibitions
• Your investment funds are from legitimate sources

4.3 Communication and Instructions

You agree to:

• Respond promptly to our requests for information
• Provide clear and written instructions when required
• Attend scheduled meetings and reviews
• Read and acknowledge receipt of important communications

5. Investment Risks and Disclaimers

5.1 General Investment Risks

You acknowledge and understand that:

• All investments carry risk of loss, including potential total loss
• Past performance is not indicative of future results
• Market volatility can significantly impact investment values
• Economic and political factors may affect investment performance

5.2 No Guarantees

We do not guarantee:

• Investment returns or performance
• Protection against market losses
• Achievement of specific financial goals
• Accuracy of market forecasts or projections

5.3 Professional Advice Limitations

Our advice is based on:

• Information you provide to us
• Current market conditions and available data
• Our professional judgment and experience
• Applicable laws and regulations at the time of advice

6. Fees and Payment Terms

6.1 Fee Structure

Our fees may include:

• Management Fees: Annual percentage of assets under management
• Advisory Fees: Fixed or hourly rates for financial planning
• Performance Fees: Based on investment performance (where applicable)
• Transaction Fees: Costs associated with investment transactions

6.2 Payment Terms

• Fees are typically charged quarterly in advance
• Payment is due within 30 days of invoice date
• Late payments may incur additional charges
• Fee schedules are detailed in individual service agreements

6.3 Fee Changes

We reserve the right to modify our fee structure with:

• 90 days written notice to existing clients
• Opportunity for you to terminate services without penalty
• Transparent explanation of fee changes

7. Confidentiality and Privacy

7.1 Confidential Information

We will maintain strict confidentiality regarding:

• Your personal and financial information
• Investment holdings and transactions
• Financial planning details and strategies
• All communications and documentation

7.2 Information Sharing

We may share your information only:

• With your explicit written consent
• As required by law or regulation
• With authorized service providers under confidentiality agreements
• To protect our rights or prevent fraud

7.3 Data Protection

We implement appropriate measures to protect your data as detailed in our Privacy Policy.

8. Termination of Services

8.1 Termination by Client

You may terminate our services:

• At any time with 30 days written notice
• Immediately for material breach by us
• Upon payment of any outstanding fees
• Subject to any lock-up periods for specific investments

8.2 Termination by Telegferru

We may terminate services:

• With 90 days written notice without cause
• Immediately for material breach or non-payment
• If we determine the relationship is no longer suitable
• For regulatory or compliance reasons

8.3 Post-Termination Obligations

• Return of client assets and documents
• Final accounting and fee reconciliation
• Continued confidentiality obligations
• Assistance with asset transfer (if requested)

9. Limitation of Liability

9.1 Liability Limits

To the maximum extent permitted by law:

• Our liability is limited to the fees paid by you in the 12 months preceding the claim
• We are not liable for indirect, consequential, or punitive damages
• We are not responsible for market losses or investment performance
• Our liability does not extend to actions of third-party service providers

9.2 Force Majeure

We are not liable for delays or failures due to:

• Natural disasters or acts of God
• Government actions or regulatory changes
• Market closures or trading halts
• Technology failures or cyber attacks

10. Dispute Resolution

10.1 Internal Resolution

We encourage resolving disputes through:

• Direct communication with your advisor
• Escalation to senior management
• Formal complaint process
• Mediation services (if appropriate)

10.2 External Resolution

If internal resolution fails, disputes may be addressed through:

• Financial Industry Disputes Resolution Centre (FIDReC)
• Singapore courts (for matters outside FIDReC scope)
• Arbitration (if agreed upon)

10.3 Governing Law

These Terms are governed by Singapore law and subject to the jurisdiction of Singapore courts.

11. Regulatory Compliance

11.1 MAS Licensing

Telegferru is licensed by the Monetary Authority of Singapore and adheres to:

• Capital Markets and Services Act requirements
• MAS Guidelines on Fair Dealing
• Anti-money laundering regulations
• Know Your Customer (KYC) requirements

11.2 Professional Standards

Our advisors maintain:

• Relevant professional certifications and licenses
• Continuing education requirements
• Professional indemnity insurance
• Adherence to fiduciary duties

12. Website Terms

12.1 Website Use

You agree to use our website only for:

• Legitimate business purposes
• Accessing information about our services
• Communicating with us regarding our services
• Educational and informational purposes

12.2 Prohibited Activities

You may not:

• Use automated systems to access our website
• Attempt to gain unauthorized access to our systems
• Upload harmful or malicious content
• Violate any applicable laws or regulations

12.3 Intellectual Property

All content on our website is protected by copyright and other intellectual property rights belonging to Telegferru or licensed third parties.

13. Amendments and Updates

We may update these Terms from time to time. Changes will be effective:

• Upon posting of updated Terms on our website
• After providing 30 days notice for material changes
• Immediately for changes required by law or regulation

Your continued use of our services constitutes acceptance of updated Terms.

14. Contact Information

For questions regarding these Terms or our services, please contact:

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely achieves the intended purpose.