Disclaimer

1. Not Financial Advice

All content published on tehSmartInvestor (tehsmartinvestor.com), including articles, guides, tool outputs, newsletters, and any other materials, is provided for general informational and educational purposes only. It does not constitute, and should not be construed as, financial advice, investment advice, tax advice, legal advice, or any other professional advice.

The operator of this website is not a licensed financial advisor, investment manager, tax consultant, lawyer, or any other regulated professional in Singapore, Malaysia, or any other jurisdiction. Nothing on this site creates a professional-client relationship of any kind.

Before making any financial decision — including but not limited to investing, tax filing, EPF withdrawals, insurance purchases, or retirement planning — you should consult a qualified, licensed professional who can assess your individual circumstances.

2. Personal Experience Only

Articles and opinions on this website reflect the personal experience, research, and views of the author as a Malaysian living and working in Singapore. Personal finance situations vary significantly based on income level, residency status, visa type, family circumstances, risk tolerance, and many other factors.

What worked (or didn't work) for the author may not be appropriate for you. Past results described on this blog are not indicative of future outcomes.

3. Affiliate Disclosure

Some links on this website are affiliate links. This means if you click on a link and make a purchase or sign up for a product, tehSmartInvestor may earn a commission or referral fee — at no additional cost to you.

Affiliate relationships do not influence editorial content. Products and services are recommended based on genuine usefulness to the target audience. Where affiliate links exist, this is disclosed within the relevant article. This disclosure applies site-wide as a general notice.

This affiliate disclosure is made in compliance with guidelines from the Singapore Competition and Consumer Commission (CCCS) and equivalent consumer protection frameworks.

4. Tool Accuracy

The financial calculators on this website (EPF Retirement Calculator, Singapore Income Tax Estimator, and any future tools) produce estimates only. They are designed for financial planning and scenario modelling, not for official tax filing or EPF-related applications.

Calculator results depend on the inputs you provide and the assumptions built into the models (contribution rates, tax tables, dividend rates). These assumptions are based on publicly available information and may not reflect rule changes, individual exemptions, or circumstances not captured in the inputs.

Always verify EPF-related information on the official KWSP/EPF website (kwsp.gov.my) and Singapore income tax information on the official IRAS website (iras.gov.sg). For tax filing, use the official myTax Portal.

5. External Links

This website may contain links to third-party websites, products, or services. tehSmartInvestor does not control these external sites and is not responsible for their content, privacy practices, or accuracy. Links to external sites do not constitute endorsement of those sites or their products.

6. Governing Law

This website is operated from Singapore. This disclaimer and all matters arising from or related to your use of this website shall be governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law provisions.

Any dispute arising from the use of this website shall be subject to the exclusive jurisdiction of the courts of Singapore.

7. No Warranty

This website and its content are provided on an "as is" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. tehSmartInvestor makes no warranty that the website will be error-free, uninterrupted, or free from viruses.

8. Contact

If you have questions about this disclaimer or have identified an error in any content on this site, please raise an issue on our GitHub repository or reach out via the contact links on the About page.