Licensing & Disclosures

Who we are licensed by, how we are paid, the risks that come with the products we advise on, and what to do if something goes wrong.

1. Our licence

Advice is provided by Infinity Financial Advisory Pte Ltd, a financial advisory firm licensed by the Monetary Authority of Singapore under the Financial Advisers Act 2001, FA Licence No. FA100087. The firm is a member of the Ascend Asia Group.

Infinity Aurelis is a branch of Infinity Plus, a group representing Infinity Financial Advisory. Infinity Aurelis is not itself a licensed entity and does not hold client monies. Any advice you receive is given by a representative appointed by the firm.

You can check the firm's licence on the MAS Financial Institutions Directory at eservices.mas.gov.sg/fid.

2. Our representatives

Each consultant on this site is an appointed representative of the firm:

• Mandy Lin, Associate Director (Financial Services), MAS Rep. No. LXM100041356
• Clarence Lai, Associate Director (Private Wealth), MAS Rep. No. LMH300523125
• Emily Chia, Executive Wealth Manager, MAS Rep. No. ECY300131708

A representative's status can be checked against the MAS register using the number shown.

3. How we are paid

We are generally remunerated by commission paid by the product provider when you take up a product through us, rather than by a separate fee from you. That cost is reflected in the product's charges, and you will be told what we receive before you decide.

Consultant remuneration at Infinity FA is assessed on a balanced scorecard, which takes into account the quality of the fact-find and customer satisfaction alongside sales.

4. Fair dealing

Infinity Financial Advisory commits to:

• Selling only products and services that are suitable for its customers
• Training its consultants to provide quality information
• Keeping customers fully informed, clearly and transparently
• Attending to complaints and requests promptly and effectively

The firm's Fair Dealing statement is published at home.infinityfa.com.sg/fair-dealing.

5. Risks you should understand

Investment products

Investment products are not bank deposits and are not guaranteed. Their value can fall as well as rise, and you may get back less than you invested, including the possible loss of the full amount. Past performance is not indicative of future results, and projections are illustrations rather than promises.

Life insurance

Buying a life insurance policy is a long-term commitment. Terminating early usually involves high costs, and the surrender value may be zero or less than the total premiums paid.

Health and general insurance

Policies are subject to the terms, exclusions, waiting periods and underwriting conditions of the issuing insurer. Cover depends on accurate and complete disclosure when you apply.

6. Conflicts of interest

Because we are remunerated by product providers, a conflict can arise between what is recommended and how we are paid. The firm manages this through its suitability and documentation requirements, compliance review of recommendations, and the balanced scorecard described above. You are entitled to ask your consultant, at any point, what they will be paid on a recommendation.

7. If something goes wrong

Speak to your consultant first. If that does not resolve it, write to the firm's compliance function at compliance@infinityfa.com.sg, giving your full name, contact number and email address, the name of your consultant, and the details of your concern.

The firm aims to acknowledge your complaint within 2 business days and to give a final response within 20 business days, keeping you updated if more time is needed.

8. Scams and impersonation

Infinity Financial Advisory does not operate an official Telegram channel. If you come across an account claiming to represent the firm or this team, report it to the firm at reachus@infinityfa.com.sg or +65 6730 9813 before sending any money or personal information.

9. Contact