Legal Disclaimer & Property Disclosure

1. Overview

UProperty.sg is a Singapore-focused informational website that may publish articles, observations,
educational resources, commentary, guides, calculators, and other content relating to residential property,
private property, HDB matters, market trends, financing concepts, housing policies, tenancy issues, and
property-related decision-making.

By accessing or using this website, you acknowledge that the content is provided for general informational
and educational purposes only and that your use of the website is subject to this legal notice.

Important: Nothing on UProperty.sg is intended to create a client relationship,
agency relationship, legal advisory relationship, financial advisory relationship, or investment advisory
relationship unless expressly agreed in writing.

2. General Disclaimer

All information on UProperty.sg is provided in good faith for general information, educational,
editorial, branding, and commentary purposes only. While reasonable effort may be made to keep
information current and useful, UProperty.sg makes no representation or warranty that any content
is complete, accurate, current, suitable, or error-free for your particular circumstances.

Users should not rely solely on the content of this website when making legal, financial, tax,
investment, valuation, or real estate decisions. Independent verification and professional advice
should always be sought where appropriate.

3. Property Content Notice

Content relating to property prices, housing affordability, mortgage concepts, CPF usage,
policy changes, landlord-tenant matters, market commentary, ownership structures, transaction issues,
or property strategy is intended to provide general educational insight only.

Such content does not constitute legal advice, tax advice, financial advice, investment advice,
valuation advice, mortgage advice, or a binding recommendation for any property decision or transaction.

Property decisions can carry significant financial, legal, and practical consequences. Users should consult
suitably qualified professionals before making decisions relating to purchase, sale, financing, ownership,
tenancy, restructuring, estate planning, or investment.

4. Professional Disclosure

Where applicable, Andrew Koh may operate in a professional capacity as a licensed real estate salesperson
in Singapore. Where estate agency services are involved, they remain subject to applicable laws,
professional duties, agency procedures, and the regulatory framework of the Council for Estate Agencies.

CEA Disclosure
Real Estate Salesperson: Andrew Koh Kah Heng
CEA Registration No: R018334F
Estate Agency: OrangeTee & Tie Pte Ltd

Reading content on this website, submitting an enquiry, or using any calculator or form on this website
does not by itself create an estate agency relationship, representation agreement, or exclusive engagement.

5. Tools, Calculators & Estimates

Any calculators, affordability tools, CPF illustrations, mortgage estimates, financial examples,
or other automated website tools are provided strictly for general informational and educational purposes only.

Outputs generated by such tools are simplified estimates and may not reflect the user’s full financial,
legal, credit, ownership, or eligibility circumstances. Actual figures may vary depending on lender criteria,
regulatory requirements, market conditions, policy changes, and other factors.

Users should not rely on these tools as a substitute for professional financial, legal, or property advice.

6. Privacy Notice

UProperty.sg may collect personal information such as your name, email address, phone number, and message
content when you voluntarily submit an enquiry through contact forms, WhatsApp links, booking forms,
newsletter forms, or other communication channels.

Such information may be used for reasonable communication, response, follow-up, service-related contact,
and website administration purposes.

UProperty.sg does not intentionally sell personal information to third parties. Reasonable efforts may be
taken to safeguard submitted data, but no system of internet transmission or storage can be guaranteed to be completely secure.

By voluntarily submitting your information through this website, you acknowledge and consent to its use
for the purpose for which it was provided, subject to applicable law.

7. Third-Party Links

This website may contain links to third-party websites, government portals, financial institutions,
media sources, research pages, social platforms, or external tools for reference or convenience.

UProperty.sg does not control, endorse, or guarantee the accuracy, availability, privacy practices,
or reliability of content found on external websites.

8. Intellectual Property

Unless otherwise stated, all original content on UProperty.sg, including text, written commentary,
page layouts, graphics, design elements, and original compilations, is protected by applicable intellectual property laws.

No part of this website may be copied, reproduced, republished, adapted, distributed, or commercially used
without prior written permission, except where limited use is allowed by law.

9. Limitation of Liability

To the fullest extent permitted by law, UProperty.sg and its operators shall not be liable for any loss,
damage, cost, expense, claim, liability, delay, or consequence arising directly or indirectly from the use
of this website or reliance on any information, estimate, commentary, or third-party reference presented on it.

This includes, without limitation, loss arising from property decisions, financing decisions, ownership changes,
tenancy disputes, market expectations, policy interpretation, or reliance on calculators and examples.

10. Governing Law

This website and its legal terms shall be governed by and construed in accordance with the laws of Singapore.
Any disputes arising out of or in connection with the use of this website shall be subject to the applicable
jurisdiction of the courts of Singapore.

11. Contact

For enquiries relating to this legal page, website notices, privacy concerns, or professional disclosures,
please contact UProperty.sg through the relevant contact channel published on the website.