Disclaimer

1. Not Financial Advice

CPF Calculator is an educational platform designed to help Singapore residents understand CPF policies, investment concepts, and personal finance topics. The content, calculators, and tools on this Website:

• Are not intended as financial, investment, tax, or legal advice
• Should not be relied upon as a substitute for professional advice
• Do not take into account your individual financial situation, goals, or risk tolerance
• Are not recommendations to buy, sell, or hold any financial products

We strongly recommend that you consult a licensed financial adviser, accountant, or other qualified professional before making any financial decisions based on information obtained from this Website.

2. Calculator Accuracy

Our calculators, including but not limited to the CPF Contribution Calculator, CPF Interest Calculator, HDB Loan Calculator, and Tax Calculator, are designed to provide estimates only.

Always verify calculations with official sources such as the Central Provident Fund Board (CPF Board), Inland Revenue Authority of Singapore (IRAS), and Housing & Development Board (HDB).

3. AI Assistant Disclaimer

Our AI-powered financial assistant "Rich" is an experimental feature designed to provide general information about Singapore financial topics.

• Rich uses artificial intelligence technology and may provide responses that are inaccurate, incomplete, or outdated
• Rich is not a licensed financial adviser and cannot provide personalized advice
• Information provided by Rich should be independently verified
• Rich may not have knowledge of the latest policy changes or regulations
• Do not make financial decisions based solely on information from Rich

Rich is intended to supplement, not replace, professional financial advice. For personalized guidance, please consult a qualified financial professional.

4. No Guarantees

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about:

• The accuracy, reliability, or completeness of any information on the Website
• The suitability of any information for your particular circumstances
• The results you may obtain from using our calculators or tools
• The continuous availability of the Website or its features

5. Third-Party Information

Our content may reference or link to information from third parties, including government agencies (CPF Board, IRAS, HDB, MAS), financial institutions, and other sources.

• We do not endorse or guarantee the accuracy of third-party information
• Third-party content and policies may change without notice
• Official government sources should always be consulted for authoritative information

6. Investment Risks

Any information on our Website regarding investments, including stocks, ETFs, unit trusts, robo-advisors, or CPF investment schemes, is purely educational.

Before making any investment decisions, consider your investment objectives, level of experience, and risk appetite. Seek independent financial advice if necessary.

7. Limitation of Liability

To the fullest extent permitted by Singapore law, CPF Calculator, its owners, directors, employees, and affiliates shall not be liable for any:

• Direct, indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or goodwill
• Financial losses resulting from reliance on information from this Website
• Errors, inaccuracies, or omissions in our content or calculators
• Decisions made based on information obtained from this Website

You use the Website and its content at your own risk.

8. Regulatory Information

CPF Calculator is not licensed or registered with the Monetary Authority of Singapore (MAS) as a financial adviser. We do not hold a Capital Markets Services licence.

For financial advice in Singapore, you should consult professionals who are:

• Licensed financial advisers regulated by MAS
• Qualified accountants or tax professionals
• Licensed lawyers for legal matters

9. Changes to Information

Singapore's CPF policies, tax regulations, and financial landscape are subject to change. Information on this Website may become outdated or inaccurate due to:

• Government policy changes and announcements
• Updates to CPF contribution rates and limits
• Changes to tax brackets and reliefs
• New regulations or guidelines from government agencies

We recommend checking official government sources for the most current information.

10. Official Resources

For authoritative information, please refer to:

11. Contact Us

If you have any questions about this Disclaimer, please contact us at: