ACCEPTANCE OF TERMS
By accessing and using ChoiceHomes.sg (“the Website”), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this Website.
Your continued use of the Website following any modifications to these Terms constitutes your acceptance of such changes.

INTELLECTUAL PROPERTY
All content on this Website, including articles, guides, property analysis, insights, images, graphics, and data is the intellectual property of ChoiceHomes.sg and is protected under Singapore copyright law and international copyright conventions.
You may not:
• Reproduce, republish, or distribute our content without prior written permission
• Scrape, copy, or systematically download content for SEO, content farming, or commercial purposes
• Use our content to train AI models or language learning systems without explicit authorization
• Mirror the materials on any other server or website
• Remove any copyright, trademark, or proprietary notices from the materials
• Misrepresent our content as your own or create derivative works

PERMITTED USE OF WEBSITE
You may use this Website for lawful, personal, non-commercial purposes only.
You agree not to:
• Use the Website in any way that violates applicable Singapore laws or regulations
• Attempt to gain unauthorized access to the Website, servers, or databases
• Disrupt, interfere with, or impose an unreasonable load on the Website’s infrastructure
• Use automated systems (bots, scrapers, crawlers) to access the Website without permission
• Engage in any activity that could damage, disable, or impair the Website’s functionality

GENERAL INFORMATION – NOT PERSONALIZED ADVICE
Important Notice: Content on this Website is provided for general information and educational purposes only and does not constitute professional advice of any kind.
Specifically:
Singapore Property Context:
Information relating to HDB policies, CPF housing schemes, stamp duty regulations, property cooling measures, and resale procedures is provided for general awareness only. Official policies are subject to change by the Singapore government.
You should:
• Verify all information with official sources
• Seek independent professional advice from licensed financial advisers, property agents, lawyers, or tax consultants before making any property purchase, sale, rental, or investment decisions
• Not rely solely on information from this Website for any financial or property-related decisions

ACCURACY AND UPDATES
While we make reasonable efforts to ensure the accuracy and currency of information on this Website, particularly regarding HDB eligibility schemes, CPF housing grants, stamp duty calculations, and Singapore property market data:
We do not warrant or guarantee:
• The completeness, accuracy, reliability, or timeliness of any content
• That the Website will be uninterrupted, secure, or error-free
• That defects will be corrected or that the Website is free from viruses or harmful components
Important: Singapore property regulations, HDB policies, CPF rules, and tax laws change frequently. Content may not reflect the most current regulations at the time of your reading.
We reserve the right to update, amend, remove, or discontinue any content or features at any time without prior notice or liability.

LIMITATION OF LIABILITY
To the fullest extent permitted under Singapore law:
ChoiceHomes.sg and its owner/operators shall not be liable for any:
• Direct, indirect, incidental, consequential, special, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Damages arising from your use of, inability to use, or reliance on this Website or its content
This includes but is not limited to:
• Losses from property transactions or investment decisions
• Reliance on property valuations, price estimates, or market analysis
• Errors in HDB eligibility information, CPF usage calculations, or grant eligibility
• Inaccurate financing guidance or loan affordability estimates
• Losses from third-party services, links, or advertisements
You assume full responsibility for any decisions made based on information from this Website.
Some jurisdictions do not allow certain liability exclusions. In such cases, our liability shall be limited to the maximum extent permitted by law.

EXTERNAL LINKS
This Website may contain links to external websites and resources, including but not limited to:
• Government portals
• Property listing platforms
• Financial institutions
• Third-party tools and calculators
• Partner websites and affiliate links
These links are provided for convenience only. We:
• Have no control over the content, policies, or practices of external sites
• Do not endorse or make any representations about third-party websites
• Accept no responsibility or liability for external content or services
• Are not responsible for any loss or damage from your use of linked sites
Affiliate Disclosure: Some links may be affiliate links through which we may earn compensation. This disclosure in these Terms constitutes sufficient notice for all purposes.

ADVERTISING AND THIRD-PARTY SERVICES
This Website may display advertisements through third-party advertising networks.

Cookies and Tracking:
Our advertising partners may use cookies, web beacons, pixels, and similar tracking technologies to:
• Serve personalized advertisements based on your browsing activity
• Measure advertising effectiveness
• Collect data including IP address, device type, browser type, operating system, and website interaction data
Your Choices:
You can control cookies through your browser settings. Most browsers allow you to:
• Block first-party and third-party cookies
• Clear your browser cache
• Receive notifications about new cookies
Note: Rejecting cookies may limit your ability to use certain Website features. Opting out of personalized ads does not mean you will see no advertisements, you will still see non-personalized ads.

PRIVACY AND DATA COLLECTION
Your privacy is important to us. This Website may collect limited data through:
• Contact forms/WhatsApp contact
• Cookies and analytics (Google Analytics or similar)
• Advertising networks
We are committed to compliance with:
• Singapore’s Personal Data Protection Act
• Applicable data protection regulations
For detailed information on how we collect, use, and protect your personal data, please refer to our Privacy Policy.

USER-GENERATED CONTENT
If you submit comments, questions, or other content to this Website (through contact forms, comments sections, or email):
• You grant us a non-exclusive, royalty-free, perpetual license to use, reproduce, modify, and publish such content
• You represent that you own or have rights to such content
• You agree not to submit content that is unlawful, defamatory, abusive, or violates third-party rights
• We reserve the right to remove any user content at our discretion without notice

MODIFICATIONS TO TERMS
We reserve the right to modify, update, or replace these Terms and Conditions at any time without prior notice.
Changes take effect immediately upon posting to this page.
Your continued use of the Website after any modifications constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.
Material changes may be highlighted with a “Last Updated” date at the top of this page.

GOVERNING LAW AND JURISDICTION
These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to conflict of law principles.
You irrevocably agree to:
• Submit to the exclusive jurisdiction of the Singapore courts
• That any legal action or proceeding arising from these Terms must be brought in the Singapore courts
• Waive any objection to venue or inconvenient forum

SEVERABILITY
If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, such provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable.
The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions.

ENTIRE AGREEMENT
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and ChoiceHomes.sg regarding the use of this Website and supersede all prior agreements and understandings.

ACKNOWLEDGMENT
By using ChoiceHomes.sg, you acknowledge that:
• You have read and understood these Terms and Conditions
• You agree to be bound by these Terms
• You understand this Website provides information only and not professional advice
• You will seek appropriate professional guidance before making property or financial decisions