Disclaimer

Last updated: May 13, 2026

Please read this Disclaimer carefully before using the Finance Mojito website (the “Website”), operated by Siljack Wong (“I”, “me”, “my”, “us”, “we”, or “our”).

By accessing or using this Website, you agree to be bound by the terms of this Disclaimer. If you do not agree with any part of this Disclaimer, please do not use our Website.

This Disclaimer applies to all content, posts, emails, newsletters, and other materials published on or through Finance Mojito.

1. Not Financial Advice

The information provided on Finance Mojito is for general informational and educational purposes only. It is not financial advice, investment advice, tax advice, legal advice, or any other professional advice.

I am not a licensed financial advisor, certified financial planner, registered investment advisor, or any other type of regulated financial professional. I do not hold any certifications such as CFP, CFA, or similar.

You should not rely solely on the information presented on this Website to make any financial decisions.

Always consult with a qualified licensed professional (such as a financial advisor, tax consultant, lawyer, or accountant) before making any financial decisions, including but not limited to:

• Buying or selling investments (stocks, ETFs, REITs, crypto, etc.)
• Making CPF, EPF, or retirement account decisions
• Making tax or estate planning decisions
• Taking out loans, mortgages, or other debt
• Purchasing insurance products

Your personal financial situation is unique. What works for one person may not work for you.

2. No Guarantees of Results

Any statements, examples, or case studies shared on Finance Mojito are for illustration purposes only. I do not guarantee that you will achieve the same or similar results through following any advice or recommendations on this Website.

Past performance does not guarantee future results. This applies to:

• Stock market returns
• Cryptocurrency performance
• Real estate appreciation
• Any other investment vehicle mentioned

I make no representations or warranties regarding the accuracy, completeness, or reliability of any information on this Website.

3. Affiliate Disclosure

Finance Mojito participates in affiliate marketing programs. This means:

• Some links on this Website are affiliate links
• If you click on an affiliate link and make a purchase, sign up for a service, or complete a qualifying action, I may earn a commission – at no additional cost to you
• The commission does not influence my content, reviews, or recommendations

My commitment to you:

Examples of affiliate programs I may participate in:

• Brokerage platforms (e.g., moomoo, Tiger Brokers, Rakuten Trade, eToro)
• Budgeting and finance apps (e.g., YNAB)
• Credit card and banking affiliate networks
• Advertising platforms (e.g., Google AdSense)

This list may change over time. The presence of an affiliate link on any page does not change my editorial independence.

How to identify affiliate links

Affiliate links may be identified by an asterisk (*), a label like “[Affiliate Link],” or a general disclosure statement at the beginning or end of a post. When in doubt, assume any outbound link to a product or service provider may be an affiliate link.

4. Advertising Disclosure

Finance Mojito may display advertisements, including but not limited to:

• Google AdSense – contextual ads based on page content or your browsing history
• Direct banner ads (if applicable in the future)

I do not control the content of third-party advertisements. The presence of an advertisement does not constitute my endorsement of the advertised product or service.

You can opt out of personalized ads from Google by visiting Google Ads Settings.

5. Sponsored Content

From time to time, I may accept sponsored posts, sponsored reviews, or other forms of paid compensation from brands or companies.

Any sponsored content will be clearly disclosed at the beginning of the relevant post using language such as:

“This post is sponsored by [Brand Name].”

Even when content is sponsored, I will always provide my honest opinions, findings, and beliefs about the product or service. Sponsored content will still adhere to my commitment to accuracy and usefulness.

If you believe a sponsored post has not been properly disclosed, please contact me immediately.

6. External Links Disclaimer

Finance Mojito may contain links to external websites that are not operated or controlled by me.

I am not responsible for:

• The content, accuracy, or reliability of any external website
• The privacy practices of any external website
• Any damages or losses arising from your use of external websites

The inclusion of an external link does not imply my endorsement of the linked website or its content. You should review the privacy policy and terms of any external website you visit.

7. No Professional-Client Relationship

Your use of this Website does not create any form of professional-client relationship (including but not limited to financial advisor-client, attorney-client, or accountant-client relationship).

I am providing information as a fellow learner and blogger – not as a professional engaged in your personal financial matters.

If you require personalized advice, please seek the services of a licensed professional in your jurisdiction.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Finance Mojito and Siljack Wong shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to:

• Your use of or inability to use this Website
• Any decision or action you take based on the information on this Website
• Any errors or omissions in the content on this Website
• Any loss of money, goodwill, or reputation

This limitation applies regardless of whether the alleged liability is based on contract, tort, negligence, strict liability, or any other legal theory.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, my liability shall be limited to the fullest extent permitted by law.

9. Accuracy and Timeliness of Information

I strive to ensure that all information on Finance Mojito is accurate, up-to-date, and reliable. However:

• Financial laws, regulations, and market conditions change frequently
• I may not always be able to update content immediately
• Human error may occasionally occur

You should independently verify any information before acting upon it.

For time-sensitive information (e.g., tax deadlines, CPF/EPF changes, interest rate updates), always refer to official government sources such as:

I am not affiliated with any government agency unless explicitly stated.

10. Testimonials and User-Generated Content

Any testimonials, comments, or success stories shared on Finance Mojito (either by me or by readers in comments) represent individual experiences and do not guarantee similar results for others.

Reader comments are the sole responsibility of the commenter. I reserve the right to moderate, edit, or delete any comments that:

• Contain false or misleading information
• Are spam or self-promotional
• Contain offensive or abusive language
• Violate any laws or regulations

Comments do not represent my views or endorsements.

11. Fair Use and Copyright

All original content on Finance Mojito is owned by me (Siljack Wong) unless otherwise credited. You may share or quote excerpts of my content for non-commercial purposes, provided you give proper attribution and link back to the original post.

You may not:

• Copy entire posts without permission
• Republish my content as your own
• Use my content for commercial purposes without written consent

If you wish to use my content beyond fair use guidelines, please contact me.

12. “YMYL” Content Acknowledgment

Google classifies finance content as “Your Money or Your Life” (YMYL) content. This means content on this Website has the potential to impact your financial well-being.

I take this responsibility seriously. However, I reiterate that:

• I am not a licensed financial professional
• You should not rely solely on my content for major financial decisions
• Independent verification and professional advice are strongly recommended

I strive to maintain high standards of accuracy, transparency, and trustworthiness. If you believe any content on this Website is inaccurate or misleading, please contact me so I can address it promptly.

13. Contact Information

If you have any questions about this Disclaimer, or if you believe any content on Finance Mojito is inaccurate, misleading, or otherwise problematic, please contact me via contact form on our website.

I take feedback seriously and will respond as quickly as reasonably possible.

14. Changes to This Disclaimer

I reserve the right to update or change this Disclaimer at any time without prior notice.

When I make changes:

• The “Last updated” date at the top of this page will be revised
• For significant changes, I may notify subscribers via email or a notice on the Website

Your continued use of Finance Mojito after any changes constitutes your acceptance of the updated Disclaimer. If you do not agree with any part of the revised Disclaimer, please stop using the Website.

15. Jurisdiction

This Disclaimer shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.

Any dispute arising out of or related to your use of this Website shall be subject to the exclusive jurisdiction of the courts of Singapore.

This choice of jurisdiction does not limit your rights under your local consumer protection laws where those laws provide greater protection.

Finance Mojito is a personal blog created by Siljack Wong. We are not a registered investment adviser, brokerage firm, bank, or financial institution.

🍸 Drink responsibly – with your money and your mojitos.