1. 1. MoneyOwl Private Limited holds a Capital Markets Services Licence from the Monetary Authority of Singapore (“MAS”) and is an Exempt Financial Adviser and Exempt Insurance Broker. You can find us under the MAS Financial Institutions Directory at https://eservices.mas.gov.sg/fid.
   2. Our activities and services are as follows:
      
      (a) Regulated Activities:
      • Capital Markets Services Licensee
        Fund Management
        
        
      • Exempt Financial Adviser
        Advising on Investment Products
        i. Life Policies
        ii. Securities other than Collective Investment Schemes
        iii. Collective Investment Schemes
        iv. Structured Deposits
        
        Issuing or Promulgating Analyses/Reports on Investment Products
        i. Life Policies
        ii. Securities other than Collective Investment Schemes
        iii. Collective Investment Schemes
        iv. Structured Deposits
        
        Marketing of Collective Investment Schemes
        
        Arranging of Life Policies
        
        
      • Exempt Insurance Broker

      We provide comprehensive financial planning services.
      
      

      (b) Other Services:

      • Financial education
      • Estate planning, including will writing

      Please note that these Other Services are non-regulated activities.
      
      

      (c) Referral Activities: 

      We may conduct referral activities with Financial Institutions licensed by the Monetary Authority of Singapore or permitted businesses under the relevant regulations. In carrying out such activities, MoneyOwl may receive a referral fee.

   3. Our current external product providers are:
      • Etiqa Insurance Pte Ltd
      • FWD Singapore Pte Ltd
      • Manulife (Singapore) Pte Ltd
      • NTUC Income Insurance Co-operative Ltd
      • Raffles Health Insurance Pte Ltd
      • Singapore Life Pte Ltd
      • Tokio Marine Life Insurance Singapore Ltd
   4. Referral Activity for non-financial advisory service
      • We may refer you to SimplyWills Pte Ltd for simple or complex Will Writing, Safekeeping and Probate & Letters of Administration Services.
      • We may also receive from SimplyWills a referral fee of 20% of the fee collected for Will Writing, Safekeeping services and 10% of the fee collected for Probate & Letters of Administration Services.

Insurance-Related Disclosures

1. The information on this website does not take into consideration your specific objectives, financial situations, or individual needs, and should not be regarded as constituting personal financial advice. Buying insurance is a long-term commitment and products purchased should be suitable for your unique requirements.
2. You may thus wish to seek advice from a licensed representative to understand product features, details, and current quotes, and their suitability for your requirements, before making decisions to purchase policies or surrender existing policies, and not rely on the information contained herein alone. MoneyOwl does not accept responsibility for such decisions made by you based on the information we have provided here, or on the advice of other financial advisers, including those referred by MoneyOwl.
3. In the case of group insurance, for direct purchase insurance and other insurance you purchase without advice and/or online, we advise thoroughly examining the details of insurance policies to ensure that they are the best fit and assess your circumstances to determine the necessary coverage. MoneyOwl does not accept responsibility for such decisions made by you to forego personal financial advice and in purchasing or surrendering policies based on the terms and conditions of such products.
4. Insurance premium numbers are approximations and may not accurately reflect actual premiums. The information, sourced from third-party sources like CompareFIRST or insurers, is provided with reasonable care, but no responsibility is accepted for any loss or inconvenience resulting from errors or omissions.
5. The information herein has not been reviewed by the Monetary Authority of Singapore.
   
   

Investment-Related Disclosures

1. This website is for information purposes only and is not and should not be construed as an offer or the solicitation of an offer or a recommendation for the purchase or sale of any investment or subscribe for, or to participate in, any services.

1. 1. Any opinion or estimate above is made on a general basis and none of MoneyOwl, nor any of its affiliates, representatives, or agents have given any consideration to nor have made any investigation of the objective, financial situation, or particular need of any user, reader, any specific person or group of persons.
   2. Opinions expressed herein are subject to change without notice.
   3. You should carefully consider whether any investment views and investment products/services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances or seek financial advice via MoneyOwls’ platform.
      
2. Investment involves risk. The value of investments and the income from them can go down as well as up, and you may not get the full amount you invested. Data and Performance returns shown are for illustrative purposes only. Past performance is not an indicator nor a guarantee of future performance. Portfolio data shown represents portfolio data most recently available to us and may be different from what is shown in the factsheet. There are fluctuations in the value and composition of underlying assets, due to the market value of underlying assets and trading activities of the underlying fund managers. Rates of exchange may cause the value of investments to go up or down. Individual stock performance does not represent the return of a fund.
3. This information has not been reviewed by the Monetary Authority of Singapore.
4. 1.