Educational tools, not advice.
This page sets out important disclaimers that apply to everything on hingfluence.com, including the Insurance Portfolio Score, the Singapore PR Score, reports, checklists, and consultations. It forms part of our Terms of Use.
1. General
All content and tools on this website are provided for general informational and educational purposes only. While we take reasonable care to keep information accurate and current, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of any content, score, or report. Any reliance you place on such information is strictly at your own risk.
2. Financial services disclaimer
Hingfluence is not a licensed financial adviser, insurance broker, insurance intermediary, or insurer, and is not licensed or regulated by the Monetary Authority of Singapore (MAS) to provide financial advisory services under the Financial Advisers Act. Nothing on this website constitutes financial advice, investment advice, insurance advice, or a recommendation to buy, hold, surrender, or replace any insurance policy or financial product.
The Insurance Portfolio Score and related reports are educational visualisations based on your inputs and publicly available Singapore benchmarks (such as MoneySense, MAS guides, CPF, MOH, and LIA references). Before making any financial or insurance decision, you should consult a person licensed by MAS who can assess your full personal circumstances.
3. Immigration disclaimer
The Singapore PR Score is a free educational self-assessment. It is not an official score, is not legal or immigration advice, and does not guarantee the approval of any Singapore Permanent Residence application. Hingfluence is not affiliated with, endorsed by, or connected to the Immigration and Checkpoints Authority (ICA), the Ministry of Manpower (MOM), or any government agency. ICA holds full discretion over PR application outcomes and considers factors that are not publicly disclosed.
4. Consultations
Consultations booked through this website are informational discussions. Any professional services you subsequently engage, whether from us or from third parties we may introduce, are subject to their own separate terms and, where relevant, the professional licensing of the person providing them.
5. Third-party content and links
Where we link to third-party websites, including government sources such as ICA, MOM, CPF, and MAS, we do so for convenience. We do not control and are not responsible for their content. Inclusion of a link does not imply endorsement.
6. Meta platforms
Our promotions and lead forms on Facebook and Instagram are in no way sponsored, endorsed, administered by, or associated with Meta Platforms, Inc. Information you submit through our advertisements is provided to Hingfluence, not to Meta, and is handled under our Privacy Policy.
7. Limitation of liability
To the maximum extent permitted by Singapore law, Hingfluence will not be liable for any loss or damage arising from your use of, or reliance on, any content, score, report, or consultation provided through this website. See our Terms of Use for the full limitation of liability.
Last updated: 9 July 2026.
