Terms of Use

Aurum Wealth Architect is an informational planning tool. The calculations, benchmarks, and recommendations we produce are estimates generated from the data you enter and current Singapore public rates (CPF, SRS, MediShield, etc.). They are not financial, tax, or legal advice and should not substitute a consultation with a licensed advisor.

You must be at least 18 years old to use the service. Content is tailored to Singapore Citizens, PRs, and long-term residents; if you’re not one of these, the calculations may not apply.

We make reasonable efforts to keep Singapore constants (CPF contribution rates, SRS caps, tax brackets, MediShield premiums, HDB grants) current. No warranty is given that any calculation is correct at the point you act on it. Always verify against official sources (CPF Board, IRAS, HDB, MOH) before making a financial decision.

You are responsible for safeguarding your credentials. Authentication is handled by a third-party provider — review that provider’s own terms for session handling, password reset, and MFA behaviour.

To the fullest extent permitted by Singapore law, Aurum Wealth Architect and its operators are not liable for losses arising from decisions you take based on the tool’s output. This includes but is not limited to insurance purchases, investment allocations, CPF contributions, and HDB transactions.

We may update these terms from time to time; continued use after an update constitutes acceptance. We’ll attempt to notify signed-in users of material changes.

These terms are governed by the laws of Singapore. Disputes fall under the exclusive jurisdiction of the Singapore courts.