Introduction
These Terms of Service (“Terms”) govern your use of The Kopi Notes website at thekopinotes.com (“the Website”), operated by Annie Yong. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.
Content Disclaimer
All content published on The Kopi Notes — including articles, guides, calculators, tools, comparison tables, and any other materials — is provided for educational and informational purposes only.
Nothing on this Website constitutes financial advice, investment advice, insurance advice, tax advice, or any other form of professional advice. The content reflects our personal research and opinions and should not be relied upon as a basis for making financial decisions.
You should always consult a licensed financial advisor, insurance advisor, or other qualified professional before making any financial, investment, or insurance decisions. The Kopi Notes is not a licensed financial advisory firm and does not hold a Capital Markets Services licence.
Accuracy of Information
We strive to ensure that the information on our Website is accurate and up to date. However, market data, interest rates, insurance premiums, bank account rates, ETF performance figures, promotion details, and other financial information are point-in-time and may change without notice.
We make no warranties or representations regarding the completeness, accuracy, or reliability of any content. Always verify information with official sources — such as the relevant financial institution, fund manager, insurer, or regulatory authority — before acting on it.
Referral and Affiliate Links
The Kopi Notes contains referral and affiliate links to third-party products and services, including but not limited to: Endowus, Syfe, FSMOne, MariBank, Trust Bank, GXS, Interactive Brokers (IBKR), TribeCar, GetGo, YouTrip, and Google Pay.
When you sign up for a product or service through our referral links, we may earn a commission or referral bonus at no additional cost to you. This compensation helps support the running of this Website and the creation of free educational content.
Our editorial content, reviews, and recommendations are not influenced by affiliate partnerships. We only recommend products and services that we believe are genuinely useful to our readers.
Insurance Enquiry Form
Our Website features an insurance enquiry form that allows you to express interest in receiving insurance advice. By submitting this form, you consent to your personal data (including your name, email, phone number, insurance type preference, and message) being shared with our partner insurance advisory group.
Submitting the form does not constitute entering into an insurance contract, purchasing any insurance product, or establishing a client-advisor relationship. The form simply connects you with qualified insurance advisors who may follow up to discuss your needs. You are under no obligation to purchase any product or service.
Intellectual Property
All content on The Kopi Notes — including text, images, graphics, calculators, tools, logos, and page designs — is the intellectual property of The Kopi Notes unless otherwise stated. Content may not be reproduced, distributed, modified, or republished without prior written permission.
If you wish to reference or quote our content, please provide proper attribution with a link back to the original page. For permissions or licensing enquiries, contact us at [email protected].
User Conduct
When using our Website, you agree not to: attempt to gain unauthorised access to any part of the Website, its servers, or databases; use automated tools, bots, or scrapers to extract content or data from the Website; interfere with or disrupt the Website’s operation or security; use the Website for any unlawful or fraudulent purpose; or misrepresent your identity or affiliation when submitting forms or contacting us.
We reserve the right to restrict access to the Website for any user who violates these Terms.
Third-Party Links
Our Website contains links to third-party websites, products, and services for informational and reference purposes. These links are provided as a convenience and do not imply endorsement, sponsorship, or responsibility for the content, accuracy, or practices of those external sites.
We have no control over third-party websites and are not responsible for their content, privacy policies, or terms of service. You access external links at your own risk.
Limitation of Liability
To the fullest extent permitted by law, The Kopi Notes, its owner, and contributors shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Website or reliance on any content published on it.
This includes, without limitation, any financial losses, investment losses, or opportunity costs resulting from decisions made based on information found on this Website. Past performance of any investment, product, or strategy discussed on the Website does not guarantee future results.
You acknowledge that you use the Website and its content entirely at your own risk.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of Singapore. Any disputes arising out of or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Singapore.
Changes to These Terms
We may update these Terms of Service from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.
Last updated: June 2026
Contact Us
If you have any questions about these Terms of Service, please contact us at:
Email: [email protected]
Website: thekopinotes.com