Contents
Part 1 — Website disclaimer
General information only
All content on this website, including every article, guide, framework, example and calculation, is provided for general information and educational purposes only. It does not constitute financial advice, investment advice, insurance advice, tax advice, or legal advice, and it is not a recommendation to buy, sell, hold, surrender, switch, or replace any financial product.
Nothing on this site takes into account your particular objectives, financial situation, or needs. Any recommendation properly made to you would follow a full fact-find and a documented advisory process. Please do not act on anything here without first obtaining advice appropriate to your own circumstances.
No offer or solicitation
Nothing on this website is an offer, invitation, or solicitation to buy or subscribe for any financial product, or to enter into any transaction. Product availability, features, and eligibility are determined by the relevant product providers and may change without notice.
Investment and insurance risk
- Investments carry risk, including the possible loss of the principal amount invested. The value of investments and the income from them can fall as well as rise.
- Past performance is not indicative of future performance. Projected or illustrated returns are not guaranteed and may not be achieved.
- Where a policy illustration shows guaranteed and non-guaranteed components, only the guaranteed component is contractual. Non-guaranteed bonuses depend on the performance of the insurer's participating fund and the insurer's own decisions.
- Buying a life insurance product is a long-term commitment. Early termination usually involves high costs and the surrender value, if any, may be less than the total premiums paid.
- Cover is subject to the terms, conditions, exclusions, waiting periods, and definitions set out in the policy contract issued by the insurer. In the event of any inconsistency between this website and a policy contract, the policy contract prevails.
Accuracy and currency of information
Content is prepared in good faith and believed accurate at the date of publication or last update shown on each page. However, regulations, tax treatment, contribution caps, retirement sums, premium tables, benefit limits, and product terms in Singapore are set by the relevant authorities and providers and change from time to time.
No warranty, express or implied, is given as to the accuracy, completeness, or fitness for any particular purpose of the information on this site. To the fullest extent permitted by law, no liability is accepted for any loss or damage arising from reliance on it.
Illustrative examples
Worked examples and figures used in articles are illustrative and chosen to demonstrate a method of calculation. They are not projections, forecasts, or representations of any actual or expected outcome, and they do not describe any actual client.
Case studies and client references
Where client situations are described anywhere on this site, they are anonymised, with names and identifying details removed or altered. They are not testimonials, are not representative of typical results, and do not guarantee any outcome. Individual circumstances and results vary.
Third-party links
This site may link to third-party websites for reference. Those sites are not controlled by Nicholas Tan, and no responsibility is accepted for their content, accuracy, or privacy practices.
Regulatory status
Nicholas Tan is a financial adviser representative licensed by the Monetary Authority of Singapore, MAS Representative No. TXN300310010. You may verify the status of any representative using the MAS Financial Institutions Directory and the MAS Register of Representatives at eservices.mas.gov.sg.
Part 2 — Personal Data Protection (PDPA) notice
This notice explains how personal data submitted through this website is collected, used, disclosed, and protected, in accordance with the Personal Data Protection Act 2012 of Singapore ("PDPA").
What personal data is collected
Only what you choose to submit through a form on this site:
- Referral form (referring someone else): the name and contact details of the person you are referring, your own name if provided, and any notes you add.
- Referral form (submitting your own details): your name, phone number or email address, who referred you if stated, and any notes you add.
- Newsletter form: your email address and, optionally, your phone number.
No sensitive personal data is requested through this website. Please do not submit NRIC numbers, financial account details, policy numbers, or medical information through these forms.
Purposes for which it is used
Personal data submitted is collected, used and disclosed for the following purposes only:
- To contact you (or the person referred) to arrange an initial conversation.
- To respond to your enquiry and to provide financial advisory services where you engage them.
- To send the newsletter and related informational content, where you have subscribed.
- To maintain internal records of enquiries and client relationships.
- To comply with applicable laws, regulations, and the requirements of the Monetary Authority of Singapore and the financial institution Nicholas Tan represents.
Consent
By submitting a form on this site and ticking the consent box, you consent to the collection, use, and disclosure of the personal data you provide for the purposes set out above.
If you are referring another person, you additionally confirm that you have obtained that person's consent to provide their personal data for the purpose of being contacted. Please do not submit another person's details without their permission.
Disclosure to third parties
Your personal data is never sold, rented, or traded. It may be disclosed only to:
- The licensed financial institution and financial advisory firm that Nicholas Tan represents, where required for the provision of advice, submission of applications, or regulatory compliance.
- Product providers such as insurers or fund managers, where you have decided to proceed with an application and disclosure is necessary to process it.
- Service providers engaged to operate this website and supporting systems — for example website hosting, secure messaging, and customer relationship management tools — which are permitted to process the data only on instruction and for the purposes above.
- Regulators, law enforcement, or other parties where disclosure is required or permitted by law.
Transfers outside Singapore
Some service providers used to operate this website may store or process data on servers located outside Singapore. Where this occurs, reasonable steps are taken to ensure a standard of protection comparable to that required under the PDPA.
Protection and retention
Reasonable security arrangements are in place to protect personal data against unauthorised access, collection, use, disclosure, copying, modification, or disposal. Personal data is retained only for as long as it is needed for the purposes above, or as required for legal, regulatory, or record-keeping obligations, after which it is deleted or anonymised.
Do Not Call Registry
Singapore's Do Not Call ("DNC") Registry provisions apply to marketing messages sent to Singapore telephone numbers.
By submitting your telephone number through a form on this site and ticking the consent box, you give clear and unambiguous consent, in written form, to receive calls and messages from Nicholas Tan at that number in relation to your enquiry and to financial advisory services and related information. This consent applies notwithstanding your registration with the DNC Registry, and continues until you withdraw it.
You may withdraw this consent at any time using the contact details below, at no cost. Withdrawal will be actioned within the period required under the PDPA.
Your rights and how to exercise them
Under the PDPA you may, at any time:
- Withdraw consent to the collection, use, or disclosure of your personal data for any or all of the purposes above.
- Request access to the personal data held about you, and information on how it has been used or disclosed in the preceding year.
- Request correction of any personal data that is inaccurate or incomplete.
- Unsubscribe from the newsletter, using the unsubscribe option in any newsletter or by contacting the details below.
Requests will be responded to within the timeframes required under the PDPA. Note that withdrawing consent may mean it is no longer possible to contact you or to continue providing certain services.
Contact
For any question about this notice, to withdraw consent, or to make an access or correction request:
- WhatsApp or call: +65 9671 3490
- Or use the contact section on the home page.
Where a matter relates to personal data held by the financial advisory firm or financial institution that Nicholas Tan represents, your request may be forwarded to that firm's Data Protection Officer, and you will be informed if that occurs.