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AdviserCOT | Terms of Service

Terms of Service of Use

Last updated: 29 May 2025

Welcome to AdviserCOT (“the App”), a mobile and web-based platform designed for financial advisers in Singapore. These Terms of Service (“Terms”) govern your access to and use of the App and related services provided by AdviserCOT (“we”, “our”, or “us”).

By accessing or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the App.

1. Eligibility

The App is intended for use only by financial advisers and their representatives. By using the App, you represent and warrant that you meet this requirement.

2. Account Registration

You must create an account to access the App’s features. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

3. Client Data and CRM Use

3.1 Data Ownership

You retain full ownership of any client data, notes, or documents (“Client Data”) uploaded or entered into the CRM. By using the App, you grant us a limited license to process and store such data solely to provide the App’s services.

3.2 Data Privacy

We comply with the Personal Data Protection Act 2012 (PDPA). All Client Data will be processed in accordance with our Privacy Policy, which outlines how personal data is collected, used, stored, and protected.

3.3 Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your Client Data against unauthorised access, use, or disclosure. However, no system can be completely secure, and we do not guarantee the absolute security of your data.

4. User Responsibilities

You agree to:

Ensure that all Client Data entered is accurate and collected with proper consent.

Use the App only in compliance with applicable laws and regulations, including MAS and PDPA guidelines.

Not use the App to store or process sensitive health, biometric, or other regulated data beyond the scope of financial advisory.

5. Intellectual Property

All rights, title, and interest in and to the App (excluding your Client Data) are and will remain the exclusive property of AdviserCOT and its licensors.

6. Subscription and Fees

If the App includes paid plans, details of pricing, billing, and cancellation will be specified during signup or in-app. Non-payment may result in suspension or termination of access.

7. Termination

We reserve the right to suspend or terminate your account if you breach these Terms or misuse the App. Upon termination, your access to the App and any stored data may be revoked, subject to applicable data retention laws and your export rights.

8. Limitation of Liability

To the maximum extent permitted by law, AdviserCOT shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use.

9. Changes to Terms

We may revise these Terms from time to time. Continued use of the App after such changes constitutes your acceptance of the revised Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Singapore. Any disputes arising shall be subject to the exclusive jurisdiction of the courts of Singapore.

11. Contact Us

For questions about these Terms or your data, please contact us at: