**Terms and Conditions**

Welcome to the Golden Age Pension Planners website. By accessing and using this website, you agree to be bound by the following terms and conditions. If you do not agree with these terms, please do not use this website.

**1. Services Offered**

Golden Age Pension Planners provides financial services including retirement planning, pension management, investment advisory, estate planning, and insurance products. Information provided on this website is for general informational purposes only and does not constitute financial advice. You should consult with a qualified financial advisor before making any financial decisions.

**2. Intellectual Property**

All content on this website, including but not limited to text, graphics, logos, and images, is the property of Golden Age Pension Planners or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, modify, distribute, or republish any content from this website without the prior written consent of Golden Age Pension Planners.

**3. Disclaimer of Warranties**

This website and its content are provided on an "as is" and "as available" basis. Golden Age Pension Planners makes no warranties, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information on this website. We do not warrant that the website will be error-free or uninterrupted, or that defects will be corrected.

**4. Limitation of Liability**

To the fullest extent permitted by law, Golden Age Pension Planners shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of this website, including but not limited to damages for loss of profits, data, or other intangible losses, even if Golden Age Pension Planners has been advised of the possibility of such damages.

**5. Third-Party Links**

This website may contain links to third-party websites. These links are provided for your convenience only, and Golden Age Pension Planners is not responsible for the content of any linked website. The inclusion of any link does not imply endorsement by Golden Age Pension Planners of the website or its content.

**6. Governing Law**

These terms and conditions shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of laws principles.

**7. Changes to Terms and Conditions**

Golden Age Pension Planners reserves the right to modify these terms and conditions at any time without notice. Your continued use of this website after any such changes constitutes your acceptance of the new terms and conditions.

**8. Contact Information**

If you have any questions about these terms and conditions, please contact us at:

Golden Age Pension Planners 10 Marina Boulevard, #23-05 Marina Bay Financial Centre Tower 2, Singapore, 018983 Singapore

**9. Entire Agreement**

These terms and conditions constitute the entire agreement between you and Golden Age Pension Planners with respect to your use of this website.

**10. Severability**

If any provision of these terms and conditions is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.