Terms of Service

Welcome to Blissful Branch Financial Planning. These Terms of Service ("Terms") govern your use of our website and financial advisory services. By accessing our website or engaging our services, you agree to be bound by these Terms.

1. Definitions

In these Terms, unless the context otherwise requires:

• "Company," "we," "us," "our" refers to Blissful Branch Financial Planning
• "Client," "you," "your" refers to individuals or entities using our services
• "Services" refers to financial planning and advisory services we provide
• "Website" refers to blissful-branch.com and all associated pages
• "Agreement" refers to these Terms and any specific service agreements

2. About Our Company

Blissful Branch Financial Planning is a licensed financial advisory firm in Singapore, regulated by the Monetary Authority of Singapore (MAS). Our business address is:

202 Bedok South Ave 1, Singapore 460202
Phone: +65 6222 7298
Email: [email protected]

3. Services Provided

We provide the following financial services:

• Financial planning and analysis
• Retirement planning strategies
• Investment advisory services
• Insurance and protection planning
• Estate planning consultation
• CPF optimization strategies
• Educational content and resources

4. Client Obligations

As our client, you agree to:

• Provide accurate and complete information about your financial situation
• Update us promptly of any material changes to your circumstances
• Review all recommendations and documents carefully before making decisions
• Comply with all applicable laws and regulations
• Pay all fees and charges as agreed
• Maintain the confidentiality of sensitive information

5. Our Obligations

We commit to:

• Act in your best interests within our professional capacity
• Provide services with reasonable care and skill
• Maintain professional standards as required by MAS
• Keep your information confidential (subject to legal requirements)
• Disclose any conflicts of interest
• Provide clear explanations of our recommendations

6. Fees and Payment

6.1 Fee Structure

Our fees may include:

• Consultation Fees: Hourly or fixed fees for financial planning services
• Advisory Fees: Annual fees based on assets under advisory
• Commission: From product providers (where applicable and disclosed)
• Project Fees: For specific financial planning projects

6.2 Payment Terms

• Fees are due as specified in individual service agreements
• Late payments may incur interest charges
• We reserve the right to suspend services for non-payment
• All fees are subject to GST where applicable

7. Investment Disclaimers

7.1 Risk Disclosure

• Investment values can fluctuate and may fall below the initial amount invested
• Currency exchange rates may affect international investments
• Inflation may erode the purchasing power of your investments
• Economic and market conditions can impact investment performance
• Liquidity risks may apply to certain investments

7.2 No Guarantee

We do not guarantee:

• Investment returns or performance
• Achievement of financial goals
• Specific outcomes from our recommendations
• Tax benefits or savings

8. Limitation of Liability

To the maximum extent permitted by law:

• Our liability is limited to the fees paid for the specific service
• We are not liable for indirect, consequential, or punitive damages
• We are not responsible for third-party actions or market performance
• Claims must be made within 12 months of the relevant service

9. Confidentiality

We maintain strict confidentiality of your information, except where:

• Required by law or regulatory authorities
• Necessary for providing our services (with your consent)
• Disclosed with your written authorization
• Information becomes publicly available through no fault of ours

10. Conflicts of Interest

We will disclose any material conflicts of interest, including:

• Financial interests in recommended products or services
• Relationships with product providers
• Commission arrangements
• Any other circumstances that may affect our objectivity

11. Website Terms

11.1 Permitted Use

You may use our website for:

• Accessing information about our services
• Reading educational content and blog articles
• Contacting us for inquiries
• Subscribing to our newsletter

11.2 Prohibited Use

You may not:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Copy, reproduce, or distribute our content without permission
• Use automated systems to access or download content

12. Intellectual Property

All content on our website, including text, graphics, logos, and software, is our property or licensed to us. You may not:

• Reproduce, modify, or distribute our content
• Use our trademarks or logos without permission
• Create derivative works based on our content
• Reverse engineer any software or systems

13. Termination

13.1 By You

You may terminate our services at any time by providing written notice. Termination does not affect:

• Outstanding fees or obligations
• Existing investments or policies arranged through us
• Our ongoing regulatory obligations

13.2 By Us

We may terminate our services if:

• You breach these Terms or service agreements
• You fail to pay fees when due
• We are unable to verify your identity or information
• Regulatory requirements prevent us from continuing

14. Complaints and Disputes

14.1 Internal Complaints

If you have a complaint, please contact us at:

Email: [email protected]
Phone: +65 6222 7298
Address: 202 Bedok South Ave 1, Singapore 460202

14.2 External Dispute Resolution

If you are not satisfied with our response, you may refer the matter to:

• Financial Industry Disputes Resolution Centre (FIDReC)
  Website: www.fidrec.com.sg
• Monetary Authority of Singapore (MAS)
  Website: www.mas.gov.sg

15. Data Protection

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms.

16. Force Majeure

We are not liable for delays or failures in performance due to circumstances beyond our reasonable control, including:

• Natural disasters, pandemics, or government actions
• Market closures or trading suspensions
• Technology failures or cyber attacks
• Changes in laws or regulations

17. Changes to Terms

We may update these Terms from time to time. Changes will be effective when posted on our website. Continued use of our services constitutes acceptance of updated Terms.

18. Governing Law

These Terms are governed by Singapore law. Any disputes will be subject to the exclusive jurisdiction of Singapore courts.

19. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

20. Contact Information

For questions about these Terms, please contact us:

These Terms of Service were last updated on January 1, 2025, and are effective immediately.