1. What PassCMFAS is

PassCMFAS is an independent online practice platform offering question banks and practice tools for candidates preparing for Singapore's CMFAS examinations. We are an independent study aid. We are not affiliated with, endorsed by, or connected to the Singapore College of Insurance (SCI), the Institute of Banking and Finance (IBF), the Monetary Authority of Singapore (MAS), or any official examination body.

2. Eligibility and accounts

• You must be at least 18 years old and able to form a binding contract.
• You must provide accurate registration information and keep it up to date.
• You are responsible for keeping your login credentials secure and for all activity under your account.
• One account is for one individual. Accounts and access are personal and non-transferable.

3. Purchases, pricing and access

• Prices are shown in Singapore Dollars (SGD) and payable in full at purchase.
• Access to a subject or bundle is granted for the stated period (e.g. 30, 60 or 90 days) beginning immediately upon successful payment, and expires at the end of that period.
• After expiry, your account and history remain, but you must purchase again to resume practising that subject.
• We may change prices at any time; changes do not affect access you have already purchased.
• Payments are processed by our third-party payment provider (Stripe). We do not store your full card details.

4. Refunds

Because the Platform provides immediate access to digital content, all sales are final and no refunds will be given once access has been granted. We provide a free trial of sample questions so you can evaluate the Platform before purchasing. This does not affect any rights you may have under applicable law that cannot be excluded.

Triple-100 Pass Guarantee (exception). Where you qualify under our published Triple-100 Guarantee rules — typically achieving the required consecutive mock-exam score streak for a subject before your exam date, sitting the relevant CMFAS exam within the stated window after that streak, failing that exam, and submitting a claim with proof within the stated claim window — we may refund the purchase price attributable to that subject (or a proportional share of a bundle). Eligibility, timelines, and proof requirements are as stated on the Platform at the time of claim. Approval is subject to verification. [Pending lawyer review — wording to be confirmed.]

5. Acceptable use

You agree NOT to:

• Copy, reproduce, screenshot, record, distribute, resell, or publicly post any questions, answers, explanations, or other content from the Platform.
• Share your account or access with any other person.
• Attempt to download, scrape, or extract the question bank or any part of it.
• Circumvent or interfere with access controls, copy protection, or security.
• Use the Platform for any unlawful purpose.

Content is watermarked and access is monitored. Breach may result in immediate suspension or termination without refund, and we reserve the right to pursue legal remedies.

6. Intellectual property

All content on the Platform — including questions, explanations, text, design, and branding — is owned by or licensed to Astar Edtech Pte Ltd and is protected by intellectual property laws. You receive a limited, personal, non-transferable, revocable licence to use the content solely for your own exam preparation during your access period. No other rights are granted.

7. No guarantee of exam results

The Platform is a study aid. We do not guarantee that using it will result in passing any examination. Your results depend on many factors outside our control.

8. Manager directory

The manager directory lists financial advisory representatives who have applied and been approved for listing. We perform a basic verification of listed managers but do not endorse, employ, or vouch for any manager, and we are not party to any relationship, agreement, or recruitment that results from a contact made through the directory. Any dealings between you and a manager are solely between you and that manager.

9. Availability

We aim to keep the Platform available but do not guarantee uninterrupted access. We may suspend or modify the Platform for maintenance, updates, or reasons beyond our control.

10. Limitation of liability

To the maximum extent permitted by law, Astar Edtech Pte Ltd shall not be liable for any indirect, incidental, or consequential loss, or for loss of profits, data, or opportunity, arising from your use of the Platform. Our total aggregate liability to you shall not exceed the amount you paid us in the 12 months preceding the claim.

11. Termination

We may suspend or terminate your account for breach of these Terms. You may stop using the Platform at any time.

12. Changes to these Terms

We may update these Terms from time to time. Material changes will be notified via the Platform or by email. Continued use after changes means you accept them.

13. Governing law

These Terms are governed by the laws of Singapore, and you submit to the exclusive jurisdiction of the Singapore courts.

14. Contact

Astar Edtech Pte Ltd — 60 Paya Lebar Road #06-28 Paya Lebar Square, Singapore 409051 — hello@passcmfas.sg