Legal Protection, Disclaimer & Privacy Notice

1. Overview

AndrewKoh.sg is a personal brand and informational platform associated with Andrew Koh Singapore. The website may feature commentary, educational content, reflections, public-interest writing, strategic perspectives, and content relating to property, active ageing, wellness, community, heritage, and related subjects.

By accessing or using this website, you acknowledge that you have read and understood this page and agree to be bound by its terms to the fullest extent permitted by applicable law.

2. Website Use

You agree to use this website lawfully, responsibly, and in a manner that does not infringe the rights of others, disrupt the operation of the website, or misuse any information, media, forms, or contact channels.

• You must not attempt to gain unauthorised access to the website, server, plugins, forms, or connected systems.
• You must not copy, scrape, republish, mirror, exploit, or commercially reuse content without permission.
• You must not rely on website content as a substitute for personalised professional advice.

3. General Disclaimer

All content on AndrewKoh.sg is provided in good faith for general educational, informational, branding, and awareness purposes only.

While reasonable care may be taken to ensure content quality, AndrewKoh.sg makes no representation, warranty, or guarantee that any information on this website is complete, current, accurate, suitable, or free from error for your particular circumstances.

Any action you take based on information from this website is strictly at your own discretion and risk. You should independently verify material facts and seek appropriate professional advice before making decisions involving health, training, finance, insurance, legal matters, real estate, caregiving, or business strategy.

4. Property Disclosure

Content relating to property, housing, market trends, mortgage concepts, CPF usage, policy commentary, transaction processes, landlord-tenant issues, or real-estate strategy is provided for general information only.

Such content does not constitute legal advice, tax advice, financial advice, valuation advice, investment advice, or a binding estate agency recommendation for your specific case.

Professional Disclosure

Andrew Koh is a licensed real estate salesperson in Singapore. Where estate agency services are involved, they are conducted under the regulatory framework of the Council for Estate Agencies (CEA).

No Agency Relationship by Website Use

Visiting this website, reading content, using calculators, downloading resources, or sending a general enquiry does not by itself create an estate agency relationship, representation agreement, or exclusive engagement.

Independent Verification Required

Property users should independently verify all relevant information, including but not limited to eligibility, title matters, ownership issues, financing terms, loan rates, tenancy terms, planning rules, CPF rules, taxes, fees, and transaction costs before proceeding.

5. Fitness, Wellness & Health Disclaimer

Content relating to exercise, training, mobility, rehabilitation support, active ageing, nutrition, wellness, longevity, or healthy living is for general educational purposes only and is not a substitute for medical diagnosis, treatment, or advice from a qualified healthcare professional.

Every individual is different. Health status, medications, medical history, injuries, age-related conditions, treatment plans, and recovery profiles can materially affect suitability and safety.

Please Seek Professional Advice

• Consult a doctor or qualified healthcare provider before starting, changing, or resuming exercise or nutrition routines.
• Stop immediately and seek medical attention if pain, dizziness, chest discomfort, breathlessness, or unusual symptoms occur.
• Where a person is undergoing treatment or has a complex condition, medical clearance should be prioritised.

No Guaranteed Outcomes

AndrewKoh.sg does not guarantee any specific health, weight, strength, functional, recovery, or quality-of-life outcome from any suggestion, article, routine, or educational material.

For Seniors and Vulnerable Individuals

For seniors, persons with disabilities, medically complex individuals, and those in post-treatment or deconditioned states, supervision, progression, and safety screening are especially important.

6. Privacy Notice

AndrewKoh.sg respects personal data and aims to handle it responsibly. If you submit personal information through a contact form, newsletter form, booking form, consultation request, WhatsApp link, email, or other channel, such information may be collected, used, stored, and disclosed for reasonable business and communication purposes.

Types of Personal Data That May Be Collected

• Name
• Phone number
• Email address
• Enquiry details or message content
• Basic website usage or analytics information

Purpose of Collection

• To respond to enquiries
• To provide requested information or services
• To arrange consultations, calls, or follow-ups
• To improve website functionality, content, and user experience
• To send relevant updates where consent or another lawful basis applies

Consent & Responsible Use

By voluntarily submitting your information, you consent to the collection and use of that information for the relevant purpose for which it was provided, subject to applicable law and responsible internal handling.

Data Security

Reasonable steps may be taken to protect personal data from unauthorised access, disclosure, misuse, or loss. However, no internet transmission or storage system can be guaranteed as completely secure.

Third-Party Tools

This website may use third-party services such as hosting, analytics, embedded media, form handlers, security tools, or messaging integrations. Those providers may process data in accordance with their own terms and policies.

Access, Correction, or Withdrawal Requests

If you wish to request access to, correction of, or withdrawal regarding personal data that you have submitted, please contact: contact@andrewkoh.sg

7. Contact, WhatsApp & Communications

If you contact AndrewKoh.sg by contact form, email, phone, or WhatsApp, you acknowledge that your message may contain personal data voluntarily provided by you.

Please do not send highly sensitive or confidential information unless specifically requested through a secure and appropriate channel.

Response times are not guaranteed, and sending a message does not create a formal professional engagement or obligate acceptance of any matter.

8. Intellectual Property Notice

Unless otherwise stated, the content on AndrewKoh.sg, including text, writing, branding elements, logos, layouts, graphics, original images, downloadable resources, and original compilations, is protected by copyright and other applicable intellectual property rights.

No part of this website may be reproduced, copied, adapted, republished, uploaded, posted, transmitted, distributed, or commercially exploited without prior written permission, except where limited use is allowed by law.

If you believe any content on this website infringes your rights, please contact contact@andrewkoh.sg with sufficient details for review.

9. Third-Party Links & External Content

This website may contain links to third-party websites, articles, social media platforms, videos, tools, embedded content, or references to external services for convenience, education, or citation purposes.

AndrewKoh.sg does not control third-party content and is not responsible for the accuracy, legality, availability, privacy practices, security, or reliability of any external website or service.

Inclusion of any link does not necessarily imply endorsement, partnership, or approval unless expressly stated.

10. Limitation of Liability

To the fullest extent permitted by law, AndrewKoh.sg, Andrew Koh Singapore, and any related contributors shall not be liable for any loss, damage, cost, liability, injury, claim, delay, or expense arising from or connected to:

• your use of or inability to use this website;
• your reliance on website content;
• errors, omissions, or outdated information;
• technical interruption, malware, cyber incidents, or service downtime;
• third-party websites, tools, services, or linked content;
• health, training, property, business, or financial decisions made by users.

This limitation applies whether the claim is based on contract, tort, negligence, equity, statute, or otherwise, except where liability cannot lawfully be excluded.

11. Indemnity

You agree to indemnify and hold harmless AndrewKoh.sg, Andrew Koh Singapore, and associated representatives from and against reasonable claims, losses, liabilities, damages, and costs arising out of your misuse of the website, your breach of these terms, or your violation of any law or the rights of another party.

12. Governing Law

This page and your use of AndrewKoh.sg shall be governed by and construed in accordance with the laws of Singapore. Any disputes arising out of or in connection with this website shall be subject to the exclusive or non-exclusive jurisdiction of the courts of Singapore, as may be appropriate under applicable law.

13. Legal & Privacy Contact Information

For questions relating to this legal protection page, website notices, privacy matters, or requests regarding content and data, please contact: