Terms of Use

Last updated: 22 August 2026

Acceptance of these terms

By accessing or using this website (the "Site"), you agree to these Terms of Use. This Site is operated by Alicia Teh, an Authorised Representative of Great Eastern Financial Advisers Pte Ltd (Rep No. TSC300919639), practising under Advisors Clique Collective. If you do not agree with these terms, please do not use this Site.

AI chat assistant

If you use the AI chat assistant on this Site Responses are generated automatically by AI (provided by a third-party provider), drawing on general content published on this Site. They are not reviewed by Alicia Teh before being shown to you, may be incomplete or inaccurate, and do not constitute legal, tax, or financial advice — the same limitations described throughout this page apply equally to anything the chat assistant tells you.

The chat assistant is intended to help you explore general estate planning topics before reaching out — it is not a substitute for a conversation with Alicia, and should not be relied upon for decisions about your own Will, Lasting Power of Attorney, Trust, or insurance arrangements. If the assistant's response conflicts with anything stated elsewhere on this Site, or with official government guidance linked from this Site, the official source and the static pages of this Site take precedence over the chat assistant's response.

Use of the chat assistant is also subject to that third-party provider's own terms of service, separate from these Terms of Use.

No financial, legal, or tax advice

Read this section carefully Everything on this Site — including the blog articles, FAQ pages, and any general statements about Wills, CPF, Lasting Power of Attorney, Trusts, or Great Eastern's products — is provided for general informational purposes only. It is not legal advice, tax advice, or personalised financial advice, and should not be relied upon as such.

Estate planning involves your specific personal, family, and financial circumstances. Nothing on this Site constitutes a recommendation suited to your individual situation. Before making any decision about a Will, Lasting Power of Attorney, Trust, insurance policy, or other financial product, you should seek advice from a qualified professional — a licensed financial adviser, lawyer, or tax professional as appropriate — who can assess your specific circumstances.

Alicia Teh is a licensed representative of Great Eastern Financial Advisers Pte Ltd and is authorised to advise on and arrange insurance and related financial products within the scope of that appointment. She is not a lawyer, and nothing on this Site should be taken as legal advice or as creating a lawyer-client relationship. For drafting Wills, Lasting Powers of Attorney, Trust deeds, or any contentious legal matter, please engage a qualified solicitor.

AI chat assistant — accuracy and limitations

Read this section carefully too This Site includes an AI-powered chat assistant that generates answers automatically, drawing on this Site's published content. Like any AI system, it can produce responses that are incomplete, out of date, or factually incorrect — including on matters of law, CPF rules, tax, or Great Eastern product terms. Nothing the chat assistant tells you is legal, tax, or financial advice, and it should not be relied upon as a substitute for professional advice or for a direct conversation with Alicia.

The chat assistant does not have knowledge of your personal circumstances unless you tell it, does not verify anything you tell it, and cannot assess suitability for any product or course of action. Figures, fees, deadlines, and procedural details it provides should always be independently verified — either against the official source (Singapore government agencies, Great Eastern's own materials) or by contacting Alicia directly — before you rely on them for any decision.

The chat assistant may be operated by a third-party service provider on Alicia's behalf, and its availability, behaviour, and underlying technology may change over time without notice. Use of the chat assistant does not create an advisory relationship with Alicia or with Great Eastern Financial Advisers Pte Ltd; such a relationship is only formed as described above, under "No client relationship formed by browsing."

Accuracy of information

Singapore laws, regulations, government procedures, and financial product terms change over time. While reasonable care has been taken to ensure the information on this Site was accurate at the time of publication, and external references link to official government and Great Eastern sources, Alicia Teh does not warrant that all content remains current, complete, or error-free. Always verify time-sensitive details (fees, procedures, thresholds, product terms) against the official source linked in each article, or by contacting Alicia directly.

No client relationship formed by browsing

Viewing this Site, reading its content, or submitting the contact form does not, by itself, create an advisory or client relationship with Alicia Teh or Great Eastern Financial Advisers Pte Ltd. Such a relationship is only formed through direct engagement, typically following a consultation and completion of any relevant onboarding and compliance documentation required by Great Eastern Financial Advisers Pte Ltd and the Monetary Authority of Singapore.

Great Eastern products and third-party content

References to Great Eastern's legacy and protection plans on this Site are general in nature. Product availability, terms, exclusions, and suitability vary by individual circumstances and are subject to Great Eastern's own product disclosure documents, which take precedence over any general description on this Site. This Site is not an official Great Eastern Life Assurance Co Ltd or Great Eastern Financial Advisers Pte Ltd corporate website; for official product information, refer to Great Eastern's own websites, linked where relevant throughout this Site.

External links

This Site links to third-party websites, including Singapore government agencies (CPF Board, Ministry of Law, Family Justice Courts, IRAS, MSF/Office of the Public Guardian, MAS) and Great Eastern's own sites. These links are provided for convenience. Alicia Teh does not control, and is not responsible for, the content, accuracy, or availability of external sites.

Intellectual property

The content, design, and original written material on this Site are the property of Alicia Teh unless otherwise credited, and are protected by copyright. See the copyright notice in the footer of every page. You may read and share links to this content for personal, non-commercial purposes; reproduction of substantial portions of this Site's content elsewhere without permission is not permitted.

Limitation of liability

To the fullest extent permitted by law, Alicia Teh and Great Eastern Financial Advisers Pte Ltd disclaim liability for any loss or damage arising from your use of, or reliance on, information contained on this Site. This does not exclude or limit liability for matters which cannot lawfully be excluded or limited under Singapore law.

Governing law

These Terms of Use are governed by the laws of Singapore.

Contact

Questions about these Terms of Use can be directed to:

Alicia Teh
Rep No. TSC300919639, Great Eastern Financial Advisers Pte Ltd
Advisors Clique Collective
1 Pickering Street #07-01, Great Eastern Centre, Singapore 048659
Email: aliciatehsc@rep.greateasternfa.sg
Phone: +65 9821 9575

These Terms of Use are provided as general information and have not been reviewed by a qualified lawyer. Before publishing this page, it is strongly recommended that Great Eastern's compliance team or an independent legal adviser review this document, particularly the liability and financial-advice disclaimer sections, for compliance with current MAS Financial Advisers Act requirements.