1. General Disclaimer
The information on AndrewKoh.sg is provided for general education, awareness, reflection, and public-interest discussion only.
While care is taken to present information responsibly, this website does not guarantee that all content is complete, current, accurate, suitable, or applicable to every reader’s situation.
Important: AndrewKoh.sg is not a government agency, law firm, medical clinic, financial advisory firm, social service agency, property agency website, or emergency support service.
2. Not Professional Advice
Nothing on AndrewKoh.sg should be treated as personalised professional advice. The content does not replace advice from qualified professionals.
Readers should consult the appropriate professional, authority, or agency before making decisions involving property, housing, money, CPF, legal matters, medical care, exercise, caregiving, senior care, social support, estate matters, or family decisions.
Use of this website does not create any client relationship, trainer-client relationship, patient-provider relationship, adviser-client relationship, estate agent-client relationship, legal adviser-client relationship, or any other professional relationship.
3. Property Disclaimer
Property-related content on AndrewKoh.sg is intended for general awareness and educational discussion. It may include commentary on Singapore housing, HDB matters, private property, property readiness, buyer and seller considerations, rental awareness, estate matters, or market observations.
Such content is not personalised real estate advice, investment advice, financial advice, valuation advice, legal advice, tax advice, mortgage advice, or a recommendation to buy, sell, rent, lease, invest, or enter into any transaction.
Any property prices, rental examples, market references, project observations, eligibility comments, or transaction-related discussions are general in nature and may change over time.
Readers should verify before acting
- Check HDB rules, HFE eligibility, grant eligibility, loan matters, CPF usage, and resale requirements directly with HDB or qualified professionals.
- Check private property planning, caveats, transaction data, zoning, and development information through official or professional channels.
- Check CEA registration and the proper identity of any property salesperson before engaging them.
- Seek legal, tax, CPF, estate planning, and financing advice where needed.
4. Health, Fitness and Wellness Disclaimer
Health, fitness, wellness, active ageing, rehabilitation, exercise, strength training, mobility, nutrition, and lifestyle content on AndrewKoh.sg is provided for general education only.
It is not medical advice, diagnosis, treatment, therapy, prescription, rehabilitation programming, or a substitute for advice from a doctor, physiotherapist, occupational therapist, nurse, dietitian, psychologist, or other qualified healthcare professional.
Exercise and lifestyle decisions should be based on your personal health condition, age, fitness level, medical history, movement ability, pain level, environment, supervision needs, and medical clearance where required.
Safety first: If you have chest pain, breathlessness, dizziness, fainting, severe pain, sudden weakness, recent surgery, stroke history, cancer treatment, heart disease, uncontrolled blood pressure, falls risk, osteoporosis, frailty, or any serious health concern, seek medical guidance before exercising.
5. Ageing, Senior Care and Caregiving Disclaimer
Content relating to seniors, ageing, dementia awareness, caregiving, nursing homes, frailty, functional decline, family care, and community support is for awareness and reflection only.
Such content should not be treated as medical advice, social work advice, legal advice, financial advice, mental capacity advice, nursing advice, or a substitute for professional assessment.
Families should consult relevant healthcare professionals, social workers, care coordinators, medical social workers, legal professionals, government agencies, or community care providers when making care decisions.
6. Community, Public Schemes and Resident Support Content
AndrewKoh.sg may publish general information on community resources, resident self-help pathways, public schemes, grassroots support, volunteering, social observations, and Singapore readiness topics.
Such information is not official government advice and may not reflect the latest eligibility rules, application steps, funding criteria, assessment outcomes, or service availability.
Readers should verify all schemes, support options, and eligibility directly with the relevant government agency, social service office, town council, healthcare provider, or official source.
7. Personal Views, Stories and Commentary
Some content on AndrewKoh.sg may include personal reflections, observations, opinions, lived experiences, public stories, social commentary, or community narratives.
These views are shared for reflection and discussion. They should not be assumed to represent the views of any organisation, agency, association, employer, partner, volunteer group, property agency, healthcare provider, government body, or community organisation unless clearly stated.
Where stories or examples are used, they are intended to highlight learning points, awareness, and human context. Readers should avoid treating any individual story as a universal rule.
8. Accuracy, Timeliness and Content Updates
AndrewKoh.sg may update, revise, expand, or remove content from time to time. However, policies, laws, public schemes, property rules, healthcare practices, market conditions, prices, eligibility criteria, and community services may change without notice.
No warranty is given that all content will remain accurate, complete, available, or suitable after publication.
Readers are responsible for checking the latest official information before making decisions.
9. External Links and Third-Party Content
This website may link to external websites, government portals, media articles, videos, directories, social media pages, embedded content, or third-party resources.
External links are provided for convenience and reference only. AndrewKoh.sg does not control third-party websites and is not responsible for their accuracy, availability, security, privacy practices, updates, or content.
Visiting external websites is done at your own discretion and subject to their own terms and privacy policies.
10. Official Verification Sources
Where relevant, readers should verify important information through official sources or qualified professionals before acting.
11. Limitation of Liability
To the fullest extent permitted by law, AndrewKoh.sg and its owner shall not be liable for any direct, indirect, incidental, consequential, special, or other losses arising from the use of this website or reliance on its content.
This includes losses connected to property decisions, health decisions, exercise participation, caregiving choices, family decisions, public scheme applications, financial commitments, legal matters, third-party links, outdated information, website errors, or content interpretation.
You use this website and its content at your own discretion and responsibility.
12. Contact
If you notice an error, outdated information, broken link, attribution issue, or content concern, you may contact Andrew Koh through the website contact page.
Contact page: https://andrewkoh.sg/contact/
This Disclaimer is provided for general website governance and risk clarification. It should not be treated as legal advice. For legal certainty, please consult a qualified lawyer in Singapore.