Coverpick Terms of Service

These Terms govern access to coverpick.pro and the services offered under the name Coverpick. The published business reference is S2805833F, and the available contact address is 371 Alexandra Road, Singapore, 159963. By using the website, you agree to these Terms.

1. Eligibility and accurate information

You must be legally able to enter into these Terms, provide accurate information, and use the website only for lawful purposes.

2. Services, pricing, and purchases

Coverpick provides information and services related to Pension insurance selection. Available offerings include: Personalized Pension Consultation, Pension Plan Comparison, Ongoing Policy Management. Current prices, scope, deliverables, and eligibility conditions are shown on the relevant page before a purchase or request is confirmed.

3. Acceptable use

You may not disrupt the website, bypass security controls, submit false or harmful content, misuse forms, scrape personal information, introduce malicious code, or use the website to infringe another person’s rights.

4. Intellectual property

Unless stated otherwise, website content belongs to Coverpick or its licensors. You may use it only for personal, non-commercial purposes related to the services.

5. Service information and limitations

By accessing and using the services provided by Coverpick, you agree to comply with these terms and conditions. You acknowledge that the services offered, including personalized pension consultation, pension plan comparison, and ongoing policy management, are intended for informational purposes only and do not constitute financial advice. You are responsible for ensuring that your use of the services complies with all applicable laws and regulations.

6. Third-party services

Links to third-party services are provided for convenience. Their terms and privacy practices apply independently, and we are not responsible for third-party content or availability.

7. Refunds and cancellation

Refunds are handled according to the Refund Policy and applicable consumer law. Mandatory consumer rights are not limited by this clause.

8. Limitation of liability

To the fullest extent permitted by law, liability is limited to direct losses and to the amount paid for the specific service giving rise to the claim during the preceding 12 months. Nothing in these Terms excludes liability that cannot legally be excluded.

9. Governing law

These Terms are governed by the laws of Singapore. Mandatory consumer protections in the user's place of residence remain applicable. Questions about enforcement may be directed to Consumer Affairs SG.

10. Changes and contact

Questions about these Terms may be sent to Coverpick at team@coverpick.pro or +65 9426 5238. The website is operated for coverpick.pro.