These Terms of Use explain how visitors may access, read, use and rely on the content, calculators, guides, commentaries, tools and resources published on UProperty.sg. UProperty.sg is built for Singapore property education, policy awareness and responsible decision-making. It is not a substitute for personalised legal, financial, tax, valuation, banking, CPF, HDB, IRAS, URA or professional advice.
Last updated: 4 June 2026
By accessing or using UProperty.sg, you agree to these Terms of Use. If you do not agree with these Terms, please do not use this website.
These Terms apply to all pages, articles, calculators, tools, downloadable content, forms, images, commentaries, property education materials, market observations and other resources published on UProperty.sg.
UProperty.sg is an independent Singapore property education and property-intelligence website founded by Andrew Koh. The website is intended to help readers understand property decisions with greater clarity, including affordability, holding power, CPF usage, loan considerations, policy awareness, buyer readiness, seller clarity and long-term planning.
Important CEA-safe distinction: UProperty.sg is an educational and editorial platform. Where estate agency services are provided, they are provided only through the proper CEA-registered salesperson and licensed estate agency framework. Readers should verify any salesperson or estate agency registration directly through the official CEA Public Register before engaging services.
Unless expressly stated in a signed and valid agreement, using this website does not create an estate agency relationship, client relationship, advisory relationship, fiduciary relationship, legal relationship or financial advisory relationship between you and UProperty.sg, Andrew Koh, any salesperson, agency, contributor or affiliated party.
The information on UProperty.sg is published for general educational and informational purposes only. It should not be treated as:
Property decisions can involve personal income, age, citizenship, residency status, CPF balances, existing property ownership, outstanding loans, family structure, HDB eligibility, bank assessment, taxes, stamp duties, cooling measures, market conditions and regulatory requirements. You should obtain advice from the appropriate qualified professional or official authority before making a decision.
UProperty.sg may provide calculators, readiness tools, affordability checkers, sales proceeds estimators, CPF usage illustrations, stamp duty estimators, rental yield examples, buyer readiness scores, seller clarity tools and other educational resources.
These tools are for illustration and awareness only. Results may be incomplete, simplified, outdated, rounded, estimated or based on assumptions selected by the user. They do not guarantee actual bank approval, CPF usage limits, HDB eligibility, stamp duty payable, sale proceeds, rental income, investment returns, market value, future property prices or transaction outcomes.
Users must independently verify all figures with official calculators, banks, CPF Board, HDB, IRAS, URA, conveyancing lawyers, tax advisers, financial advisers or other qualified professionals where applicable.
Singapore property rules, CPF usage rules, stamp duties, HDB eligibility, loan regulations, cooling measures, planning rules, government policies and market data may change without notice. UProperty.sg may reference official sources, but users should always check the latest position directly from the relevant official authority.
UProperty.sg aims to publish content responsibly and accurately. However, we do not guarantee that any information on this website is complete, current, error-free, suitable for your personal circumstances or available at all times.
Market data, property prices, rental yields, government policies, project information, land prices, floor plans, launch details, transaction records, interest rates, CPF rules, tax rates and eligibility criteria may change. Any reliance on this website is at your own discretion and risk.
Any content relating to new launches, resale properties, rental properties, land prices, project reviews, location analysis, floor plans, price trends, developer information or property opportunities is provided for general education and discussion only.
Project details, availability, prices, promotions, incentives, floor areas, unit mix, layouts, maintenance fees, completion dates, tenure, approvals and other details are subject to change by developers, agencies, authorities or other relevant parties. Readers should refer to official project documents, approved sales materials, developers, appointed agencies and professional advisers before making any decision.
Nothing on UProperty.sg should be interpreted as a promise of capital appreciation, rental yield, investment return, future sale price, guaranteed tenant demand, loan approval or successful transaction.
General comments, articles, calculators, social media posts, online replies or form responses do not constitute personalised professional advice.
Where you require property transaction representation, financial assessment, legal advice, CPF planning, tax advice, mortgage advice, estate planning or investment advice, you should consult the appropriate licensed, registered or qualified professional.
Any estate agency work must be conducted within the applicable CEA regulatory framework, including proper representation, disclosure, documentation and prescribed estate agency agreements where required.
By using UProperty.sg, you agree that you will:
If you submit your name, email address, phone number, message, property details, enquiry or other information through UProperty.sg, you confirm that the information is accurate and that you are authorised to provide it.
By submitting a form, you agree that UProperty.sg or the relevant representative may contact you in relation to your enquiry. Submission of a form does not guarantee a response, acceptance of engagement, service availability, loan eligibility, property availability or transaction outcome.
Personal data submitted through this website will be handled in accordance with applicable Singapore personal data protection requirements and the website’s Privacy Policy, where published.
Unless otherwise stated, all original content on UProperty.sg, including text, layouts, frameworks, calculators, graphics, images, page structures, branding elements, commentary, guides and educational materials, is protected by copyright and other applicable intellectual property rights.
You may read and share links to UProperty.sg content for personal, non-commercial and informational use. You may not copy, reproduce, scrape, modify, republish, sell, distribute, upload, mirror or commercially exploit the website content without prior written permission.
Where third-party sources, public data, government references, developer materials or media references are used, ownership remains with the respective rights holders. UProperty.sg makes reasonable efforts to credit sources where appropriate.
UProperty.sg may include links to official government websites, third-party websites, calculators, property portals, developer pages, news articles, partner websites, social platforms or other external resources.
These links are provided for convenience and reference only. UProperty.sg does not control and is not responsible for the content, accuracy, privacy practices, security, availability or policies of external websites.
To the fullest extent permitted by law, UProperty.sg, its founder, contributors, representatives, affiliates and service providers shall not be liable for any loss, damage, cost, claim or consequence arising from or connected with your access to, use of, or reliance on this website.
This includes, but is not limited to, loss arising from property decisions, financial decisions, loan outcomes, CPF usage, tax exposure, market changes, inaccurate assumptions, outdated information, technical errors, website downtime, third-party links, calculator results or reliance on general educational content.
UProperty.sg may be updated, suspended, restricted, redesigned, corrected, removed or discontinued at any time without prior notice. We do not guarantee uninterrupted access, error-free operation or complete security of the website.
You should not attempt to gain unauthorised access to the website, server, database, forms, scripts, plugins, accounts or related systems.
UProperty.sg may update these Terms of Use from time to time. Updated Terms will be published on this page with a revised “Last updated” date. Continued use of the website after changes are published means you accept the revised Terms.
For questions relating to these Terms of Use, website content, copyright concerns, corrections or general enquiries, please contact UProperty.sg through the official contact page.
