01 · General education, not advice
This website provides general education and comparison information. It is not financial, insurance, investment, banking, legal, tax or accounting advice and does not consider any person's objectives, financial situation or needs.
02 · Non-guaranteed items
Participation rates, caps, floors, bonuses, dividends, fund performance, fixed-account rates and other non-guaranteed items may be reviewed or changed by insurers; bank thresholds, rates, fees and onboarding requirements may change at any time. Illustrations, back-tests and past performance are neither guarantees nor forecasts.
03 · Long-term commitment and surrender
Insurance is usually a long-term commitment. Early surrender can be costly and surrender value may be less than total premiums paid; loans, withdrawals, charges and low crediting can reduce cash value or cause a policy to lapse. Premium financing carries interest-rate and currency risk, and banks may call for additional collateral.
04 · Information transfer and your consent
Only with your express consent will Xiaopoxian pass information you choose to provide to the licensed or exempt institution named on the page and its appointed representatives. Personalised advice, official benefit illustrations, account opening and application services are the responsibility of the institution or representative actually providing them.
05 · Remuneration and potential conflicts
Xiaopoxian and its members may receive marketing, introduction, referral or sales remuneration under arrangements with partner institutions. Confirm identity, scope of service, product costs, commissions and other potential conflicts with the institution or representative serving you.
06 · Verification and cross-border advice
Before sharing sensitive information or transacting, verify institutions and representatives through the Monetary Authority of Singapore (MAS) public registers, the Hong Kong Insurance Authority and the institutions' official channels. Cross-border clients should obtain independent advice on tax, foreign-exchange and reporting obligations in the relevant jurisdictions.
07 · Trademarks and third-party names
Insurers, banks, indices and product names mentioned are trademarks of their respective owners, used for identification and comparison only; no partnership, authorisation or endorsement is implied.
08 · Banks and account opening
This site is not a bank and does not represent any bank. Whether an account is opened, which account and what further documents are needed is decided by the bank under MAS Notice 626 and its own policies; a bank that cannot complete customer due diligence must not establish the relationship. This site submits no applications and promises no outcome or timing.
09 · Fees and thresholds
Minimums, fees and priority thresholds quoted here come from banks' public pages with check dates. Banks may change them at any time; their latest publications prevail. Priority and private banking thresholds are bank-set service tiers, not regulatory thresholds, and meeting one does not guarantee acceptance.
10 · Tax, CRS and foreign exchange
This site gives no tax advice. Tax residence depends on facts of presence and work, not on a pass or nationality; Singapore account information may be exchanged with your jurisdiction of tax residence under the CRS or FATCA. Content on mainland China cites only prohibitions in foreign-exchange rules and does not describe any route for moving funds. Seek advice where you are tax resident.
11 · Deposit insurance
SDIC insures only Singapore-dollar deposits at Scheme members, up to S$100,000 in aggregate per depositor per member; foreign-currency deposits, structured deposits and investment products are not covered. This site makes no judgement on any bank's soundness.