Terms of Use

1. Website Operator

This website is operated by ADVENT INSURANCE AGENCY PTE LTD, UEN 198100478R, an insurance agency and financial planning services business in Singapore. Our registered contact address is 50 Gambas Crescent, 10-48 Proxima@Gambas, Singapore 757022. You may contact us at support@adventagencypte.com or +65 82712400.

These Terms of Use govern access to and use of adventagencypte.com, including the information, layouts, forms, pages, links, and materials made available through this website.

2. Acceptance of Terms

By browsing this website, submitting an enquiry, clicking a call-to-action button, or using any website feature, you agree to these Terms of Use. If you do not agree, you should stop using the website. These terms apply only to website use and do not replace any separate agreement, policy document, insurer terms, proposal form, declaration, or advisory document provided in connection with insurance or financial planning services.

3. General Information Only

Website content is provided for general information and introductory purposes. It is not intended to be a complete statement of any insurance product, financial planning solution, legal requirement, tax position, or regulatory obligation. The information may not reflect your specific family, business, asset, liability, income, medical, contractual, or claims circumstances.

No page on this website should be treated as personalised insurance, financial, legal, tax, investment, or claims advice. A proper recommendation requires a discussion of your circumstances, objectives, existing policies, documents, budget, exclusions, and relevant trade-offs.

4. No Automatic Advisory Relationship

Using the website or sending an enquiry does not automatically create an adviser-client relationship, bind ADVENT INSURANCE AGENCY PTE LTD to provide a service, or require any insurer to quote, underwrite, renew, endorse, accept, or pay a claim. A service relationship begins only when we confirm the scope of support and have sufficient information to proceed.

5. Quotations, Coverage, and Claims

Any premium indication, coverage discussion, claim preparation comment, or policy comparison is subject to insurer underwriting, policy wording, exclusions, limits, deductibles, declarations, evidence, and applicable procedures. Coverage is not confirmed until the relevant insurer issues or endorses the policy and all applicable requirements are satisfied.

• Policy wording, schedules, endorsements, and insurer communications should be read carefully.
• Claims outcomes depend on facts, evidence, policy terms, exclusions, and insurer assessment.
• Renewal terms may change because of claims history, market conditions, underwriting criteria, or risk changes.
• Time-sensitive claims or notices should be raised promptly and in accordance with the policy requirements.

6. Your Responsibilities

You agree to use the website lawfully, provide accurate information when contacting us, and avoid conduct that may damage the website, disrupt access, or compromise security. You must not submit false, misleading, offensive, unlawful, confidential, or unauthorised material through the website.

You are responsible for reviewing documents sent to you, checking that information is complete and accurate, informing us of changes, and seeking clarification where any policy, quotation, renewal, endorsement, claim requirement, or advisory note is unclear.

7. Form Submissions and Communications

Website forms are intended to start a conversation, not to complete an insurance application or claim notification unless we expressly confirm otherwise. We try to respond promptly, but response times may depend on business hours, enquiry complexity, insurer availability, and the completeness of information provided.

Email and internet communications may not always be secure or error-free. Please avoid sending highly sensitive documents through unsecured channels unless requested and appropriate safeguards are in place.

8. Intellectual Property

The website design, text, layout, graphics, icons, visual system, structure, and other materials are owned by or licensed to ADVENT INSURANCE AGENCY PTE LTD unless otherwise stated. You may view the website for personal or internal business reference, but you may not copy, scrape, reproduce, modify, republish, sell, or exploit the content for commercial purposes without written permission.

9. Third-Party Links and References

This website may link to insurers, verification services, maps, government pages, professional resources, or other third-party websites. Such links are provided for convenience only. We do not control third-party websites and are not responsible for their content, security, accuracy, availability, policies, or practices.

10. Website Availability and Changes

We may update, redesign, suspend, remove, or correct website content at any time without notice. While we aim to keep information clear and useful, we do not guarantee that the website will always be available, uninterrupted, free of errors, or fully up to date.

11. Disclaimer and Limitation of Liability

To the fullest extent permitted by law, ADVENT INSURANCE AGENCY PTE LTD disclaims liability for loss or damage arising from reliance on general website content, inability to access the website, transmission delays, technical errors, inaccurate third-party content, or unauthorised use of communications sent through the website.

Nothing in these terms excludes or limits liability where it would be unlawful to do so. Where liability cannot be excluded, it is limited to the maximum extent permitted by applicable law.

12. Privacy and Cookies

Personal data provided through the website is handled according to our Privacy Policy. Cookies and browser storage are described in our Cookie Policy. By using the website, you acknowledge that these policies apply to relevant website interactions.

13. Governing Law

These Terms of Use are governed by the laws of Singapore. Any dispute relating to website use, subject to applicable law and any mandatory rights you may have, will be handled in the courts or dispute resolution forums of Singapore.

14. Updates to These Terms

We may update these Terms of Use from time to time to reflect website changes, operational practices, service updates, or legal requirements. The latest version will be posted on this page. Continued use of the website after changes are posted means you accept the updated terms.

15. Contact

For questions about these Terms of Use, contact ADVENT INSURANCE AGENCY PTE LTD at support@adventagencypte.com, call +65 82712400, or write to 50 Gambas Crescent, 10-48 Proxima@Gambas, Singapore 757022.