Legal Disclaimers
Last updated: February 11, 2026
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 advisers. Any financial advice received through our platform is provided by independent financial advisers 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
- Endorse, verify, or guarantee the qualifications of any adviser listed on our platform
- Verify or validate the professional credentials, certifications, or regulatory standing of any adviser
- Provide financial advice through quizzes, assessments, or lead-generation tools — these features are educational and informational only
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.
Client Testimonials on Adviser Profiles (Public Hub)
QuantQuest's Public Hub may display testimonials submitted by clients of financial advisers. These testimonials:
- Reflect the personal experience of the submitter and do not constitute financial advice or an endorsement of any adviser by Sybil Pte Ltd
- Are labelled "Client-Submitted" to distinguish them from verified or company-endorsed content
- Are not independently verified by QuantQuest for accuracy, completeness, or authenticity
- Should not be relied upon as the sole basis for selecting a financial adviser
- Do not imply any guarantee of future results, service quality, or suitability
Display of a testimonial does not constitute an advertisement for any financial product or advisory service within the meaning of the Financial Advisers Act (Cap. 110) or the Securities and Futures Act (Cap. 289).
For full terms governing testimonial submission and display, please refer to the Public Hub Terms & Conditions and our Privacy Policy (Section 5A).
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 advisers 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 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 adviser, broker, or dealer. We do not:
- Handle client funds or securities
- Execute trades or transactions
- Provide custody services
- Offer insurance products
14A. AI-Generated Content Disclaimer
Certain features within QuantQuest use artificial intelligence and machine-learning models to generate or assist with content, including but not limited to report summaries, planning suggestions, and data analysis.
AI-generated content:
- Is provided for informational and productivity purposes only and does not constitute financial advice
- May contain errors, inaccuracies, or incomplete information
- Must be reviewed and verified by a qualified professional before being relied upon or presented to clients
- Does not replace the professional judgement of a licensed financial adviser
- May be generated using third-party AI services subject to their own terms and limitations
The financial adviser remains solely responsible for all advice, recommendations, and communications delivered to clients, whether or not AI-assisted tools were used in their preparation.
14B. Lead Generation Tools and Personality Assessments
QuantQuest may offer quizzes, personality assessments, financial health checks, or similar interactive tools ("Lead Generation Tools") designed to educate consumers and connect them with financial advisers.
Important Notice
- Lead Generation Tools are educational and informational only; results do not constitute financial advice, a financial needs analysis, or a recommendation of any product or service
- Quiz results and personality profiles are indicative, based on generalised models, and may not accurately reflect your individual financial situation
- Matching or connecting a consumer with an adviser does not imply endorsement, suitability verification, or any guarantee of service quality by Sybil Pte Ltd
- Consumers should conduct their own due diligence before engaging any financial adviser
- Personal data collected through Lead Generation Tools is processed in accordance with our Privacy Policy
15. 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.