Legal Disclaimers
Last updated: August 5, 2025
Important: Please read these disclaimers carefully. They limit our legal obligations and clarify important aspects of our service.
1. General Disclaimer
The information and services provided by Sybil Pte Ltd ("Company," "we," "our," or "us") through our QuantQuest platform ("QuantQuest" or "the Service") are for general informational and educational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of our services.
2. No Financial Advice
Critical Disclaimer
Sybil Pte Ltd, through its QuantQuest platform, does not provide financial advice. We are a technology platform that provides tools and software for licensed financial advisors. Any financial advice received through our platform is provided by independent financial advisors who are solely responsible for their recommendations.
We do not:
- Provide personalized investment recommendations
- Offer tax, legal, or accounting advice
- Guarantee any investment returns or outcomes
- Act as a fiduciary to end clients
- Make decisions on behalf of clients
3. Investment Risk Disclaimer
All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. The projections and calculations provided by our platform are based on assumptions and historical data that may not reflect future market conditions.
Key Investment Risks Include:
- Market volatility and economic conditions
- Currency fluctuations
- Interest rate changes
- Regulatory changes
- Liquidity constraints
- Geopolitical events
4. Performance Claims and Testimonials Disclaimer
Important Notice About Performance Claims
Any performance metrics, time savings calculations, revenue projections, or efficiency improvements displayed on our platform (including but not limited to our opportunity calculator and value transformation comparisons) are:
- Based on aggregated user feedback and typical scenarios
- Not guarantees of individual results or performance
- Subject to significant variation based on individual practice characteristics
- Dependent on proper implementation and consistent usage
- May not be representative of all user experiences
Time savings of 30-50% referenced on our platform represent typical ranges reported by active users and are not guaranteed. Individual results will vary based on practice size, client complexity, current processes, and implementation effectiveness.
We expressly disclaim any warranty that you will achieve similar results. Past performance by other users does not guarantee your future results.
5. Technology Platform Disclaimer
QuantQuest is a software platform that may experience:
- Technical errors or bugs
- Service interruptions or downtime
- Data synchronization delays
- Calculation errors due to incorrect data input
- Compatibility issues with certain devices or browsers
While we implement robust quality controls, users should independently verify all calculations and recommendations before making financial decisions.
6. CPF and Regulatory Disclaimer
Our platform provides tools related to Singapore's Central Provident Fund (CPF) system. However:
- CPF rules and regulations may change without notice
- We are not affiliated with or endorsed by CPF Board
- CPF projections are estimates based on current rules
- Users should verify information with official CPF sources
- Tax implications should be confirmed with qualified tax professionals
7. Third-Party Content Disclaimer
Our platform may contain or link to third-party content, including:
- Market data from external providers
- News articles and research reports
- Integration with third-party services
- Educational content from external sources
We do not endorse, guarantee, or assume responsibility for the accuracy or reliability of any third-party content.
8. Professional Liability Disclaimer
Financial advisors using our platform remain fully responsible for:
- Compliance with all applicable laws and regulations
- Maintaining appropriate licenses and certifications
- Ensuring suitability of advice for each client
- Maintaining professional indemnity insurance
- Accurate data entry and verification
- Client confidentiality and data protection
9. Limitation of Liability
To the fullest extent permitted by law:
IN NO EVENT SHALL SYBIL PTE LTD, QUANTQUEST, THEIR OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF OUR SERVICES.
10. Indemnification
You agree to defend, indemnify, and hold harmless Sybil Pte Ltd, QuantQuest, and their affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with:
- Your use or misuse of the platform
- Your violation of these disclaimers or our terms of service
- Your violation of any law or regulation
- Any claim by your clients related to advice provided
11. No Warranty
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. SYBIL PTE LTD AND QUANTQUEST EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
12. Forward-Looking Statements
Any projections, forecasts, or forward-looking statements made through our platform are based on assumptions and are subject to significant uncertainties. Actual results may differ materially from projected outcomes. Users should not rely solely on these projections for making financial decisions.
13. Regulatory Compliance Notice
Sybil Pte Ltd, operating as QuantQuest, operates in compliance with Singapore law but is not a licensed financial advisor, broker, or dealer. We do not:
- Handle client funds or securities
- Execute trades or transactions
- Provide custody services
- Offer insurance products
14. Contact for Questions
If you have questions about these disclaimers, please contact:
Legal Department
Sybil Pte Ltd
Operating as: QuantQuest
Email: legal@quantquest.sg
Address: 8 Jalan Kilang Timor
Singapore
By using QuantQuest's services, you acknowledge that you have read, understood, and agree to be bound by these disclaimers. If you do not agree with any part of these disclaimers, you should not use our services.