Advertising Disclaimer

Introduction

This page is the full disclaimer referenced in advertisements, sponsored posts, and other marketing materials published by MoneyMethods.sg (“we”, “us”, “our”) across platforms such as Facebook, Instagram, and other social or digital channels.

Our advertisements are intentionally short. They are designed to introduce a financial concept and invite you to learn more — they cannot contain every assumption, condition, or risk. This page sets out the important information that applies to those advertisements. If anything in an advertisement appears to conflict with this page, this page prevails.

By engaging with our advertisements (including clicking through to our website, tools, or forms), you acknowledge that you have read and understood this disclaimer.

1) Educational / informational only — not advice

Our advertisements and the content they link to are provided for general informational and educational purposes only. They do not constitute, and should not be relied upon as, financial, investment, insurance, legal, or tax advice, nor an offer, recommendation, or solicitation to buy, sell, or subscribe to any product or strategy.

You should seek advice tailored to your personal circumstances, objectives, and financial situation before making any financial decision.

2) About our advertisements (concept-based)

Our advertisements discuss financial ideas and concepts — such as generating income from investments — and do not name, promote, or recommend any specific product, fund, or insurer. Any decision to proceed with a particular product would happen only later, through a separate, properly documented advice process, and only after suitability has been assessed.

3) How to read figures such as “up to 7–8% p.a.”

Where an advertisement refers to a rate, yield, or income figure (for example, “up to 7–8% p.a.”), please note:

• such figures are illustrative distribution rates, not interest rates or guaranteed returns;

• distributions are not guaranteed and may be varied or stopped at any time;

• distributions may include a return of capital, which would reduce the value of your investment;

• the word “up to” means the figure is a stated maximum or upper illustrative range, not a typical or expected outcome; and

• actual results depend on the specific product, market conditions, fees, charges, and timing.

4) Investment risk & capital at risk

All investing involves risk. The value of investments can go down as well as up, and you may get back less than you invested. Income or distributions can fluctuate and are not assured. Currency movements, fees, charges, and product features may further affect outcomes. Past or projected figures are not a reliable indicator of future results.

5) Past performance

Past performance is not an indicator nor a guarantee of future performance. Any examples, back-tested data, or historical figures are shown for illustration only and should not be relied upon as a prediction of future results.

6) Illustrations, projections & forward-looking statements

Any examples, projections, calculators, or illustrations referenced in our advertisements are hypothetical and illustrative, based on assumptions that may not hold. They are not guarantees of performance or results. Forward-looking statements involve known and unknown risks and uncertainties, and actual outcomes may differ materially.

7) Not endorsed by HSBC Life; not reviewed by MAS

This advertisement and the related content reflect the personal views of Isaac and are not endorsed by HSBC Life (Singapore) Pte. Ltd. and do not constitute official communication of HSBC Life. This advertisement has not been reviewed by the Monetary Authority of Singapore (MAS).

Where applicable, the views and opinions expressed by HSBC Life’s Financial Planners on their websites/social media pages are their own and are not endorsed by HSBC Life, and the contents have not been reviewed by MAS.

8) No adviser-client relationship

Viewing an advertisement, clicking through to our website, using a tool, or submitting a form does not create an adviser-client relationship. Any formal engagement begins only when there is clear mutual agreement and the necessary suitability processes and documentation are completed.

9) Tools & calculators

Any free tool or calculator promoted in our advertisements is provided for convenience and education only. Outputs are estimates based on the inputs and assumptions used, and may differ materially from real-world results. They are not a recommendation to take any specific course of action.

10) Third-party advertising platforms

Our advertisements may appear on third-party platforms (e.g., Meta / Facebook / Instagram). We do not control those platforms’ features, targeting mechanics, or surrounding content, and their inclusion does not imply any endorsement by or affiliation with them beyond standard advertising arrangements.

11) Audience

Our advertisements are intended for audiences in Singapore and are not directed at persons in any jurisdiction where such distribution would be unlawful. Products, figures, and tax treatment referenced may not be available or applicable outside Singapore.

12) Limitation of liability

To the maximum extent permitted by law, we will not be liable for any loss or damage arising from the use of, or reliance on, any advertisement or linked content, including any errors or omissions. This disclaimer should be read together with our Terms of Service and Privacy Policy.

13) Contact

General enquiries: isaac@moneymethods.sg
Compliance enquiries: compliance@moneymethods.sg