Terms of Use

Thank you for using Millennialsfinance.com

Please read these Terms carefully. By using Millennialsfinance.com, you agree to these Terms, which will result in a legal agreement between you and Millennialsfinance.com (“Agreement”). These Standard Terms of Use (“Terms”) define the terms and conditions under which you are allowed to use the Service in accordance with the Agreement. If you do not agree to these Terms, please discontinue your use of this Site immediately.

By accessing our Website, you agree to be bound by these Terms of Use (this “Agreement”). If you wish to visit our Website, contact us, or make use of our services provided, please read this Agreement carefully. By using Millennialsfinance.com, you acknowledge that you have read and agreed to be bound by our Terms of Use.

A. Description of Services

Millennialsfinance.com (“Millennials Finance”, “we”, or “us”) is an online financial advisory Website (“Site”) that provides users with access to information and advice primarily about Financial and Insurance products and services including but not restricted to Life Insurance products and related services (the “Service”). By using this site or providing us with your personal/ contact details, you express explicit interest in availing the selected Service(s) as indicated in your contact form. You hereby agree that Millennials Finance may contact you either through phone or email to understand your interest and service(s) and to facilitate your request. You also agree that Millennials Finance reserves the right to avail details available to affiliates and partners who may contact you for information and sales through that email or phone number. You consent to receive promotional materials and/or offers from Millennials Finance through email or SMS.

B. Proprietary Rights

This Website (“Site”) is owned and operated Millennialsfinance.com (Known as “Millennials Finance”). By Accessing the Site, you hereby consent and will abide by our terms of use (“Terms”).

We own all proprietary rights in the Service, including, but not limited to, intellectual property. Except as otherwise provided, the contents of this Site shall not be reproduced, republished, stored, uploaded, posted, transmitted or otherwise used or distributed in any way, for commercial or public purposed without our prior written permission. 

Modification or use of any of our contents for any other purpose will be a violation of our copyright and other intellectual property rights. Graphics, information and images on this site are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of the copyright owner.

C. Privacy Policy

Your privacy is of the utmost importance to us. Please read our Privacy policy carefully for information regarding how we collect, use, and disclose your content and Personal Information and protect your privacy when you access this Site or use the Service.

D. Request for Contact Disclaimer

Millennials Finance aims to assist you with financial education and knowledge of insurance products and financial know-how in Singapore. We do not charge any fees on the usage of this Website. In the event that you submit a request for a Financial Services Representative to contact you, we reserve the rights to collect commission fees from sales of a product if the financial advice is taken up.

Millennials Finance is merely a financial education website to communicate with a Financial Services Representative. While we strive to impart the best, well-informed qualified advice to you by means of this website or an appointed representative, you are also advised to exercise due diligence. We are not responsible for loss arising from the advice provided.

If you are not satisfied with any products or services provided by a Financial Institution or Financial Services Representative, you should send your feedback to the party directly.

E. Disclaimer of Liability and Warranty

The contents and advice of this Site are provided without warranties of any kind. To the extent permitted by law, we do not warrant and hereby disclaims warranties:

  • To the accuracy, timeliness, reliability, correctness and fitness for any purpose of the contents of this Site.
  • That the contents available through this Site or its associated functions will be error-free, or that defects will be corrected or that this Site and its server will be free of all viruses and/or harmful elements of any kind.

Millennials Finance shall also be exempted from liability for damages or losses (including but not limited to direct, indirect or consequential damages or economic losses) of any kind, caused as a result (direct or indirectly) of:

  • The use of the Site, including but not limited to damages or losses suffered as a result of reliance on the contents available on the Site;
  • Any system or connection failure, error, omissions or
  • Any services, information or data obtained from this Site.

Products and services referred to in this Site are only offered in the jurisdiction where and when they may be lawfully offered by financial advisors licensed by the Monetary Authority of Singapore.

Materials in this site are not intended for use by persons located in, or a resident in jurisdictions that restrict the distribution of such materials. Persons accessing these pages are required to inform themselves about and observe relevant restrictions. 

These pages should not be regarded as an offer or solicitation to sell or make monetary deposits in any jurisdictions to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction. The contents of this Site do not constitute professional or financial advice.

Email messages sent to us over the internet cannot be guaranteed to be completely secure. We are not responsible for any damages incurred if you send a message to us, or if we send a message to you at your request over the Internet or cellular network. We are not responsible in any way for direct, indirect, or consequential damages arising out of the use of the Site. Due to the nature of the internet, the transmission of information may be subjected to interruption, delays or inaccuracies. We are not liable for malfunctions in communications facilities not under our control that may affect the accuracy or timeliness of posts and messages you send.

F. Additional Disclaimer of Liability and Warranty

This is not the official website of AIA Singapore Private Limited (Company Reg. No. 201106386R) (AIA). AIA disclaims all warranty of merchantability and fitness for purpose of the material on Millennialsfinance.com (this “Website”). AIA makes no warranty or representation as to the results of the use of the materials on this website in terms of their accuracy and reliability/ Nothing on this website should be regarded as an offer or solicitation to sell insurance products in any country to any person to whom it is unlawful to make such an invitation or solicitation in such a country. 

All AIA products and services referred to in this website (or linked thereto the website) known as Millennials Finance are offered only in countries where such products and services may lawfully be offered by AIA Singapore and the materials on the said Website are not intended for use by persons located or a resident in, countries that restrict the distribution of such materials. Neither Millennials Finance nor the links to the products or services on AIA’s corporate website should be regarded as an offer to sell or a solicitation to buy any insurance product or other products or services of AIA in any country to any person to whom it is unlawful to make such invitation or solicitation in such country.

G. Links 

This site may contain hyperlinks to other Sites which are not maintained by us. We are not responsible for the contents of those Sites and shall not be liable for damages or loss arising from access to those Sites. You are advised to read the other Sites Terms of Use prior to using their websites. Access to such linked Sites is entirely at your own risks.

In no circumstances shall we be considered to be associated or affiliated in whatever manner with other Sites to which this Site is linked to, other than Millennialsfinance.com itself.

We reserve all rights to disable any links to, or frames of any sites and disclaim any responsibility for the content available on any other site reached to or from this Site or any of the contents.

H. Personal Data Collection

By providing your Personal Information or when you submit a request to us for a referral to a Financial Services Representative, you grant explicit consent for Millennials Finance to collect, process and use it to contact you to provide promotional information relating the financial advisory services provided by the way of email, telephone calls, and/or SMS. Even if you are registered with the National DNC (Do-not-call) Registry. Should you change your mind, you may withdraw your consent and we will accede to the request.

I. Governing Law

These Terms of Use shall be governed by Singapore Law, the country in which Millennialsfinance.com operates and you agree that the Singapore courts shall have jurisdiction to entertain, determine and settle any dispute or action in respect of or arising out of the Site and its use and you submit to the jurisdiction of those courts.