These terms and conditions govern your use of our website. Please read the terms in full before you use this Website. If you do not accept these terms, please do not use this Website. Using the Website implies that you accept these terms. We do occasionally update these terms so please refer back to them in the future.


You will be able to access the Website without having to register or input any of your personal details with us. However, in order to use our service Financial Repository Electronic Database (FRED), you must register on our platform as a natural person above the age of 18 and residing or domiciled in Singapore


You are permitted to use our website for your own purposes and to print and download material from this Website. Material on this website must not be republished online or offline without our permission.

The intellectual property rights in all material on this Website are owned by us and must not be reproduced without our prior consent.

No part of this Website may be reproduced without our prior written permission.


As a registered user of FRED, you authorise permission to store your personal information input by yourself and your financial advisors

a. SynthesisWealth will then use the above information to formulate a visual breakdown of your policy, which will be available on the FRED portal;

b. You will thereafter be able to amend or optimize your insurance policy & request for review(s) from our partnered Financial Advisors listed on the Website. In doing so, you will be required to provide further personal information, such as your cash flow, a list of your assets and liabilities.

c. You are thereby able to access our resources, communicate with your financial advisors and select the most suitable financial plans for you. You then enter your chosen insurance by contracting directly with the insurer(s) via the Financial Advisors. The insurance contract will be added to your profile whereby all relevant and important information in relation to the above will be available to you on the Website at all times.

Based on the Services as described above, you acknowledge that:

a. the recommendations made by the financial advisors are based on the best and most sensible option from the information provided to you, and that you are not obligated to enter into any financial contracts.

b. the review(s) provided to you by our Financial Advisors do(es) not replace the review(s) acquired from any existing consultation or advisory service that you have in relation to your insurance policy. We advise that you seek advice should you require further review(s) and/or recommendation(s) than that already provided for you on the Website;


While we take all reasonable steps to ensure that is available 24 hours every day, our site may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control.


Any material you send or post to shall be considered nonproprietary and not confidential to us and the Financial Advisor we have selected for you. Unless you advise to the contrary via we will be free to share your personal data with financial advisors and third party providers as long as they are related to the service you registered and enquired for.


Any links to third party websites located on are provided for your convenience only. We have not reviewed each third party website and have no responsibility for such third party websites or their content. We do not endorse the third party websites or make representations about them or any material contained in them. If you choose to access a third party website linked to from Synthesis, it is at your own risk.

If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on this Website, and subject to the following conditions:

  • you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with us in writing;
  • you do not misrepresent your relationship with us or present any false information about us;
  • you do not link from a website that is not owned by you; and
  • your website does not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law in the Republic of Singapore

    Neither we nor any other party shall be liable or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of this site and our registered platform. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss, and whether in tort or contract or otherwise in connection with this Website.

    Nothing in these Terms shall exclude or limit liability for any liability which cannot be excluded under the law of the Republic of Singapore.


    This Legal Notice shall be governed by and construed in accordance with Singapore law. Any dispute(s) arising in connection with this Legal Notice are subject to the exclusive jurisdiction of Republic of Singapore or a jurisdiction mutually agreed.

    Synthesis Wealth Advisors Pte Ltd reserves the right to update, amend or change the content of this Web Portal without notice


    Without prejudice to the foregoing, information which you have submitted to us for your registration as a user on our systems, which may include your personal data as described in the Privacy Policy, may be linked to the account on the Application or in the course of carrying out services on this Application. You hereby give your consent to such transfer and storage of information for the purposes of facilitation of your business via our systems, and to facilitate your request to use our products and services in the Application. Your use of the account and the Application may be monitored by us or a third-party service provider to provide you with information on your business and Account.

    10. SECURE AUTHENTICATION utilises Email 2-factor One Time Password for authentication and authorisation. This ensures that we can safely control the permissions to access specific resources through our Financial Repository Electronic Database portal, and specify the desirable duration for the 2-factor one-time password.