Terms of Use

This section contains the Terms of Use of this website. By accessing this website and any of its pages, you are agreeing to these Terms.

Please read the following section carefully as it contains the conditions governing your use of the entire content of the website under the domain name rafflesprovident.com, rafflesprovident.sg, rafflesprovident.asia, employeebenefits.sg and other associated URLs (the “Site”) provided by Raffles Provident LLP (“Raffles Provident”). By using this Site you agree to these terms and conditions of use. If you do not accept these terms and conditions in full, you must leave the Site immediately. You should also read our Privacy Policy which outlines how personal information you provide to us will be used.


Change of Terms

We reserve the right, at any time and without notice, to revise these terms and conditions. You should check this webpage from time to time to review the current terms and conditions because they are binding on you. Additional terms and conditions may apply to certain products and services offered on this Site. These will be drawn to your attention when you browse, apply for and purchase any such product or service and will supersede any conflicting term in these terms and conditions.


Access to Our Website

Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of the messages sent by email over the internet – whether from us to you or from you to us.

Due to the nature of the internet and the fact that your access to this Site involves features outside our control, we are not responsible for any technical problems you may experience with this Site. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services. If you do experience technical problems, please use the contact us facility on this Site.


Intellectual Property Rights

All copyright, trade and service marks, design rights, database rights and other intellectual property rights and goodwill in or relating to the contents of the Site belong either to us or to our third party licensors.

Permission is granted to copy electronically and to print in hard copy portions of this Site, solely for the purpose of using the Site to seek a quotation or buy products and services. Any other use of materials on this Site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) or framing or linking to this Site or any part of without prior written permission is strictly prohibited.


No Warranties

Whilst every care has been taken in preparing the information materials contained in this website, such information and materials are provided “as is” without warranty of any kind, either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.


Linked Websites

Raffles Provident LLP and the insurers are not responsible for the contents available on or the set-up of any other websites linked to this site. Access to and use of such other websites is at the user’s own risk and subject to any terms and conditions applicable to such access/use. By providing hyperlinks to other websites, Raffles Provident shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the service/products they provide on their web site, or have any form of cooperation with such third parties and web sites. Raffles Provident is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by the Raffles Provident.



Email messages sent to Raffles Provident over the Internet cannot be guaranteed to be completely secure. Raffles Provident LLP is not responsible for any damages incurred by users if they send a message to Raffles Provident LLP, or if Raffles Provident LLP sends a message to them at their request, over the Internet. Raffles Provident LLP is not responsible in any way for direct, indirect, special or consequential damages arising out of the use of this website.


Transmitting over The Internet

Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission, and incorrect data transmission. Raffles Provident LLP is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send. By transmitting transactions, applications or documentation over the internet you acknowledge and accept the risks inherent with this method of submission.



We do not represent or warrant that the Site will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.



In this Site certain links, including hypertext links, will lead you to third-party websites (“Third Party Site”). These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the Third Party Site. We are not responsible for the content of any Third Party Sites or for the legal consequences of you entering into any contracts with third parties as a result.


Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, Raffles Provident, and its partners, directors, employees, agents and contractors, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to Material on this Site, to Third Party Material, third party services, or to access of any part of the Site by you, howsoever caused, whether in contract, tort (including negligence), statute or otherwise.


Terms and Conditions of Our Products and Services

The information and descriptions on the Site do not necessarily represent complete descriptions of all terms and conditions in relation to our products and services. Specific details will be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

You must ensure that the details you give to us while using this Site are correct and that you have sufficient funds to cover the cost of any product or service which you intend to purchase.


Delivery Methods

Upon receipt of the premium from the insured, we will issue the relevant documents to the insured through email and/or postage.



All payments for any insurance products or other services purchased via www.sompo.com.sg must be paid in full upon confirmation of purchase.

Unless otherwise provided for, all payments are required to be made by you using a type of credit card accepted by us at the time of purchase of the applicable insurance policy or service. You must, therefore, provide to us through this Site details of your current and valid credit card, including:

  1. Credit card type;
  2. Name on credit card;
  3. Credit card number;
  4. Expiry date;
  5. Billing address;
  6. Email address; and
  7. Telephone number


Jurisdiction and Law

For products and services only available for purchase in Singapore, these conditions of use shall be governed by and construed in accordance with Singapore law. Disputes arising between you and us shall be subject to the exclusive jurisdiction of the courts of Singapore.

No third party who has not agreed to be bound by these Terms and Conditions shall have any right pursuant to the Contracts (Rights of Third Parties) Act (Cap. 53B) of Singapore or any equivalent law in any jurisdiction to enforce any of the above Terms and Conditions.

If you wish to contact us regarding any matter set out in these terms and conditions you may do so by email, by phone or in writing.



Alternatively, customers may refer their complaints to Andrew Ang, founder of Raffles Provident at his mobile number +65 84487168 if they’re not happy with the services and/ or advise obtained.

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