Terms of Use

1. Acceptance of Terms

By accessing or using AndrewKoh.sg, you agree to be bound by these Terms of Use. If you do not agree with these Terms, please do not use this website.

These Terms apply to all visitors, readers, users, and any person who accesses content published on AndrewKoh.sg.

2. About This Website

AndrewKoh.sg is a Singapore-focused personal and educational platform by Andrew Koh. The website may include reflections, guides, public-interest articles, property awareness, health and fitness perspectives, ageing-related topics, community observations, digital projects, and personal viewpoints.

The website is intended to help readers think more clearly about strategic living in Singapore, including home, health, ageing, community readiness, and responsible decision-making.

3. Educational Information Only

The content on this website is provided for general education, awareness, and commentary. It should not be treated as professional advice for your specific situation.

You should seek advice from suitably qualified professionals before acting on matters involving property transactions, legal rights, financial commitments, medical decisions, health conditions, caregiving arrangements, estate matters, government schemes, or family decisions.

4. Property Awareness Content

Property-related content on AndrewKoh.sg is intended for general public education and awareness. It may discuss Singapore housing trends, resale considerations, private property, HDB matters, buyer and seller readiness, estate planning awareness, rental matters, or general market observations.

Unless clearly stated otherwise, property content on this website should not be treated as personalised real estate advice, investment advice, financial advice, valuation advice, legal advice, tax advice, mortgage advice, or a recommendation to buy, sell, rent, invest, or enter into any property transaction.

Verification is required

Readers should verify all property information with official sources, relevant authorities, licensed professionals, and updated transaction data before making decisions.

• For HDB matters, readers should check the latest HDB rules, eligibility, grants, loan matters, resale requirements, and HFE requirements.
• For private property matters, readers should verify transaction data, caveats, planning information, financing, taxes, and market details through appropriate official or professional sources.
• For estate agency matters, readers should verify the identity, registration, role, and authority of any salesperson or estate agent involved.
• For legal, tax, inheritance, estate, CPF, or financing matters, readers should consult qualified professionals or the relevant authority.

5. Health, Fitness and Wellness Content

Health, fitness, wellness, active ageing, rehabilitation, senior fitness, caregiving, and exercise-related content on this website is for general education only. It is not medical advice, diagnosis, treatment, prescription, rehabilitation programming, or a substitute for care from a doctor, physiotherapist, occupational therapist, dietitian, psychologist, nurse, or other qualified healthcare professional.

Readers with medical conditions, pain, recent surgery, cancer treatment, heart conditions, stroke history, breathing issues, frailty, falls risk, osteoporosis, diabetes, hypertension, kidney disease, neurological conditions, pregnancy, or any other health concern should consult a qualified healthcare professional before starting or changing any exercise, nutrition, or lifestyle programme.

Any exercise or movement example should be adapted to the individual’s ability, health status, environment, supervision needs, and medical clearance.

6. Community, Ageing and Social Awareness Content

AndrewKoh.sg may publish content relating to seniors, caregiving, dementia awareness, community support, resident self-help, public schemes, volunteering, social observations, and ageing in Singapore.

Such content is written for awareness and reflection. It does not replace professional social work advice, medical advice, legal advice, financial planning, counselling, government assessment, or case management.

Readers should contact the relevant agency, healthcare provider, social service professional, grassroots channel, family service centre, legal adviser, or emergency service where appropriate.

7. No Professional Relationship Created

Your use of this website does not create a client relationship, trainer-client relationship, patient-provider relationship, legal adviser-client relationship, financial adviser-client relationship, estate agent-client relationship, or any other professional relationship.

A professional relationship is only formed when there is a separate written agreement, proper verification, scope of service, consent, and any legally required documentation.

8. Accuracy, Timeliness and Updates

AndrewKoh.sg aims to provide useful, responsible, and relevant information. However, laws, regulations, policies, schemes, prices, eligibility rules, market conditions, healthcare practices, community programmes, and professional standards may change without notice.

While reasonable care may be taken when preparing content, AndrewKoh.sg does not guarantee that all information is complete, current, accurate, suitable, or free from error.

Readers are responsible for checking the latest information from official sources and qualified professionals before relying on any content.

9. Responsible Use of This Website

You agree to use AndrewKoh.sg lawfully, respectfully, and responsibly.

You must not:

• Use this website for unlawful, fraudulent, misleading, abusive, or harmful purposes.
• Copy, scrape, reproduce, republish, or redistribute content without permission.
• Attempt to interfere with the website’s security, hosting, performance, or accessibility.
• Submit false, misleading, defamatory, offensive, or harmful material through any contact form or communication channel.
• Misrepresent any content from AndrewKoh.sg as professional advice, official government advice, or a guaranteed recommendation.

10. Third-Party Links and External Websites

This website may contain links to third-party websites, government websites, public agencies, media articles, social platforms, videos, directories, or external resources.

These links are provided for convenience and reference only. AndrewKoh.sg does not control third-party websites and is not responsible for their content, accuracy, security, privacy practices, availability, or any loss arising from your use of them.

You should review the terms and privacy policies of any third-party website you visit.

11. Intellectual Property

Unless otherwise stated, the content on AndrewKoh.sg, including text, layout, structure, images, graphics, articles, page design, and original commentary, belongs to AndrewKoh.sg or its respective content owners.

You may read and share links to the website for personal, educational, and non-commercial purposes. You must not reproduce, modify, copy, sell, republish, or distribute substantial portions of the website content without prior written permission.

Where third-party content, embedded media, citations, screenshots, logos, images, or references are used, the rights remain with their respective owners.

12. 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 your use of this website or reliance on its content.

This includes, but is not limited to, losses relating to property decisions, financial commitments, health decisions, exercise participation, caregiving choices, legal matters, government scheme eligibility, business decisions, third-party links, website errors, outdated information, or content interpretation.

You use this website at your own discretion and responsibility.

13. Privacy and Personal Data

AndrewKoh.sg respects privacy and aims to handle personal data responsibly in accordance with applicable Singapore data protection principles.

If you contact AndrewKoh.sg through forms, email, WhatsApp, social media, or other channels, you may voluntarily provide personal information such as your name, contact details, enquiry details, or message content.

Such information may be used to respond to your enquiry, manage communication, improve website content, or comply with legal and administrative requirements.

For more details, please read the website’s Privacy Policy.

14. Changes to These Terms

AndrewKoh.sg may update, revise, or replace these Terms of Use from time to time without prior notice.

The updated version will be posted on this page with a revised “Last updated” date. Continued use of the website after changes are published means you accept the updated Terms.

15. Contact

If you have questions about these Terms of Use, website content, corrections, permissions, or privacy matters, you may contact Andrew Koh through the contact page.

Contact page: https://andrewkoh.sg/contact/

These Terms of Use are provided as a general website governance document and should not be treated as legal advice. For legal certainty, please consult a qualified lawyer in Singapore.