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By submitting this form, I understand that the reports generated from (MFK) calculators are not meant as financial advice. I will consult a qualified financial consultant before making any financial decisions. I have read and agree to the terms of use and disclaimer of this website and discharge MFK from any liabilities arising out of my access, use or reliance on any information found in MFK.

General Disclaimer

Terms of Use

Privacy Policy

General Disclaimer

All the calculators, tools and spreadsheets created in this website and the corresponding results generated are meant as general indicators and aids. (MFK) is not a financial adviser. The results from the calculators in this website are not intended to be personalized financial or investment advice as they do not take into account your individual circumstances.

You are advised to speak to a qualified financial consultant, property consultant, loan consultant, banker or any professionals who are qualified to make a detailed assessment of your financial situation and offer you advice relevant to the field of your financial needs before making any financial decision. Changes in the government regulations and corporate policies of different financial institutions may affect the accuracy and relevancy of the results generated from the tools and calculators found in this website. and the creators of the tools and calculators found in this website does not guarantee the accuracy, completeness, timeliness and relevancy of the results generated using the calculators and tools in this website. MFK, its employees, parent, related companies, agents and authors of the financial calculators in will not be liable for any financial, non-financial, direct, indirect, incidental or any other type of loss or injury resulting from your use of the contents and reports found or derived from

Terms of Use


The above and below terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website. You must be at least 21 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 21 years of age.

1. Introduction (herein known as “MFK”) is owned by ALP Rocks Pte Ltd (ALP) which is registered in Singapore under registration number 201401915M. ALP’s principal activities are management consultancy services, information technology and computer service activities.

Use of Cookies

This website (MFK) uses cookies. By using this website and agreeing to these terms and conditions, you consent to MFK’s use of cookies in accordance with the terms of MFK’s privacy policy

2. Terms on the purchase of credits

For the credits purchased on MFK, you understand and agree that

  • All payment for the credits is non-refundable, even in event of insolvency or closure of MFK
  • All unused credits will expire 12 months from date of purchase.
  • All credits purchased can only be used for chargeable reports found on (MFK) and cannot be transferred or exchanged for any other goods or services.
  • MFK reserves the right to alter or remove any promotions stated in the website (if any) and the terms on the purchase of credits on MFK without any prior notice.

3. License to use website

Unless otherwise stated, MFK and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved. 

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • redistribute material from this website [except for content specifically and expressly made available for redistribution].

3. Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without MYFINANCIALKIT.COM’s express written consent.

You must not use this website to transmit or send unsolicited commercial communications.

4. Restricted access

Access to certain areas of this website is restricted. MFK reserves the right to restrict access to other areas of this website, or indeed this entire website, at MFK’s discretion.

If MFK provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

MFK may disable your user ID and password in MFK’s sole discretion without notice or explanation.

5. Copyright and Trademarks

You should assume that everything you see or read on this Website is copyrighted unless otherwise noted and may not be copied, used or distributed in any way without the written permission of MFK, except as provided in these Terms and Conditions or in the text on these Websites. MFK neither warrants nor represents that your use of materials displayed on these Websites will not infringe rights of third parties not owned by or affiliated with MFK.

6. Third Party Content

This website provides links to other websites which are not controlled by us. Those links are provided for your own convenience only and we are not responsible for their use, effect or content. We make no representations or warranties as to, and accept no responsibility for, the accuracy of information on those sites, nor do we endorse any information, opinion, goods or services referred to on them. You acknowledge and agree that you access such websites at your own risk.

7. User Content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

You grant to MFK a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to MFK the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or MFK or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

MFK reserves the right to edit or remove any material submitted to this website, or stored on MFK’s servers, or hosted or published upon this website.

Notwithstanding MFK’s rights under these terms and conditions in relation to user content, MFK does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

8. No warranties

This website is provided “as is” without any representations or warranties, express or implied. MFK makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, MFK does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or nonmisleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

9. Limitations of liability

MFK will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if MFK has been expressly advised of the potential loss.

10. Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit MFK’s liability in respect of any:

  • death or personal injury caused by MFK’s negligence;
  • fraud or fraudulent misrepresentation on the part of MFK; or
  • matter which it would be illegal or unlawful for MFK to exclude or limit, or to attempt or purport to exclude or limit, its liability.

11. Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you think they are unreasonable, you must not use this website.

12. Other parties

You accept that, as a limited liability entity, MFK has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against MFK’s officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect MFK’s officers, employees, agents, subsidiaries, successors, assignees and subcontractors as well as MFK.

13. Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

14. Indemnity

You hereby indemnify MFK and undertake to keep MFK indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by MFK to a third party in settlement of a claim or dispute on the advice of MFK’s legal advisers) incurred or suffered by MFK arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

15. Breaches of these terms and conditions

Without prejudice to MFK’s other rights under these terms and conditions, if you breach these terms and conditions in any way, MFK may take such action as MFK deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

16. Variation

MFK may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

17. Assignment

MFK may transfer, sub-contract or otherwise deal with MFK’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

18. Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

19. Entire agreement

These terms and conditions constitute the entire agreement between you and MFK in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

20. Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with the Singapore Law, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Singapore.

These Terms and Conditions on Website Use was last updated on 1 September 2023.

For any queries, please contact MFK or ALP Rocks Pte Ltd via email to or


This Privacy Notice (“Notice”) sets out the basis which (“MFK”, “we”, “us”, or “our”) may collect, use, disclose or otherwise process personal data of our customers in accordance with the Personal Data Protection Act (“PDPA”). This Notice applies to personal data in our possession or under our control, including personal data in the possession of organisations which we have engaged to collect, use, disclose or process personal data for our purposes.


1. As used in this Notice:

“customer” means an individual who (a) has contacted us through any means to find out more about any goods or services we provide, or (b) may, or has, entered into a contract with us for the supply of any goods or services by us; and “personal data” means data, whether true or not, about a customer who can be identified: (a) from that data; or (b) from that data and other information to which we have or are likely to have access.

2. Depending on the nature of your interaction with us, some examples of personal data which we may collect from you include name, residential address, email address, telephone number, gender, date of birth, marital status, personal car and financial information.

3. Other terms used in this Notice shall have the meanings given to them in the PDPA (where the context so permits).


4. We generally do not collect your personal data unless (a) it is provided to us voluntarily by you directly or via a third party who has been duly authorised by you to disclose your personal data to us (your “authorised representative”) after (i) you (or your authorised representative) have been notified of the purposes for which the data is collected, and (ii) you (or your authorised representative) have provided consent to the collection and usage of your personal data for those purposes, or (b) collection and use of personal data without consent is permitted or required by the PDPA or other laws. We shall seek your consent before collecting any additional personal data and before using your personal data for a purpose which has not been notified to you (except where permitted or authorised by law).

5. We may collect and use your personal data for any or all of the following purposes:

  1. performing obligations in the course of or in connection with our provision of the goods and/or services requested by you;
  2. managing your relationship with us;
  3. to manage and follow up on your enquiries regarding our products and services, or any other enquiries;
  4. to inform you of products, services, offers, promotions, events or activities, whether offered by MFK or our partners, that you may be interested in;
  5. any other purposes for which you have provided the information;
  6. transmitting to any unaffiliated third parties including our third party service providers and agents, and relevant governmental and/or regulatory authorities, whether in Singapore or abroad, for the aforementioned purposes; and
  7. any other incidental business purposes related to or in connection with the above.

6. We may disclose your personal data:

  • where such disclosure is required for performing obligations in the course of or in connection with our provision of the goods and services requested by you; or
  • to IPPFA, third party service providers, agents and other required organisations to perform any of the functions with reference to the above mentioned purposes.


7. The consent that you provide for the collection, use and disclosure of your personal data will remain valid until such time it is being withdrawn by you in writing. You may withdraw consent and request us to stop collecting, using and/or disclosing your personal data for any or all of the purposes listed above by submitting your request in writing or via email to our Data Protection Officer at the contact details provided below.

8. Upon receipt of your written request to withdraw your consent, we may require reasonable time (depending on the complexity of the request and its impact on our relationship with you) for your request to be processed and for us to notify you of the consequences of us acceding to the same, including any legal consequences which may affect your rights and liabilities to us. In general, we shall seek to process your request within thirty (30) business days of receiving it.

9. Whilst we respect your decision to withdraw your consent, please note that depending on the nature and scope of your request, we may not be in a position to continue providing our goods or services to you and we shall, in such circumstances, notify you before completing the processing of your request.

Should you decide to cancel your withdrawal of consent, please inform us in writing in the manner described in clause 7 above.

10. Please note that withdrawing consent does not affect our right to continue to collect, use and disclose personal data where such collection, use and disclose without consent is permitted or required under applicable laws.


11. If you wish to make (a) an access request for access to a copy of the personal data which we hold about you or information about the ways in which we use or disclose your personal data, or (b) a correction request to correct or update any of your personal data which we hold about you, you may submit your request in writing or via email to our Data Protection Officer at the contact details provided below.

12. Please note that a reasonable fee may be charged for an access request. If so, we will inform you of the fee before processing your request.

13. We will respond to your request as soon as reasonably possible. In general, our response will be within thirty (30) business days. Should we not be able to respond to your request within thirty (30) days after receiving your request, we will inform you in writing within thirty (30) days of the time by which we will be able to respond to your request. If we are unable to provide you with any personal data or to make a correction requested by you, we shall generally inform you of the reasons why we are unable to do so (except where we are not required to do so under the PDPA).


14. To safeguard your personal data from unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks, we have introduced appropriate administrative, physical and technical measures.

15. You should be aware, however, that no method of transmission over the Internet or method of electronic storage is completely secure. While security cannot be guaranteed, we strive to protect the security of your information and are constantly reviewing and enhancing our information security measures.


16. We generally rely on personal data provided by you (or your authorised representative). In order to ensure that your personal data is current, complete and accurate, please update us if there are changes to your personal data by informing our Data Protection Officer in writing or via email at the contact details provided below.


17. We may retain your personal data for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable laws.

18. We will cease to retain your personal data, or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the personal data was collected, and is no longer necessary for legal or business purposes.


19. We generally do not transfer your personal data to countries outside of Singapore. However, if we do so, we will obtain your consent for the transfer to be made and we will take steps to ensure that your personal data continues to receive a standard of protection that is at least comparable to that provided under the PDPA.


20. You may contact our Data Protection Officer if you have any enquiries or feedback on our personal data protection policies and procedures, or if you wish to make any request, in the following manner:

Contact No.: 8933 5037

Email Address:


21. This Notice applies in conjunction with any other notices, contractual clauses and consent clauses that apply in relation to the collection, use and disclosure of your personal data by us.

22. We may revise this Notice from time to time without any prior notice. You may determine if any such revision has taken place by referring to the date on which this Notice was last updated. Your continued use of our services constitutes your acknowledgement and acceptance of such changes.

Effective date : 1 September 2023

Last updated : 1 September 2023

Privacy Policy

1. Introduction (“we”, “us”) is committed to protect the privacy of our customers and complying with the Personal Data Protection Act (“PDPA”) 2012.

2. Privacy Policy

We value the privacy interests of our customers highly and strive to protect the privacy, confidentiality, accuracy and security of the personal data provided to us.
Our Privacy Policy outlines how we collect, use, disclose, store and transfer your personal data in respect of commercial transactions and providing services to you. Our employees are required to comply with our Privacy Policy when they carry out their daily operations. We collect, use, disclose, store and transfer your personal data for the following purposes:

  1. administering and/or managing your relationship, account with us;
  2. providing services and products offered by us to you;
  3. carrying our due diligence or other screening activities (including background checks) in accordance with legal or regulatory obligations or risk management procedures that may be required by law or that may have been put in place by us;
  4. carrying out your instructions or responding to any enquires;
  5. dealing in any matters relating to the services and/or products which you are entitled to which you are applying for or have applied; (including the mailing of correspondence, statements, invoices, reports or notices to you, which could involve disclosure of certain personal data about you to bring about delivery of the same as well as on the external cover of envelopes/mail packages);
  6. disclosing and/or complying with applicable laws or the requirements of any regulatory authority, government, statutory authority and industry associations. We reserve the right to collect, use or disclose your personal data if the collection, use or disclosure is required or authorised under the written law, even where you have exercised your right to withdraw your consent;
  7. providing you with marketing, advertising and promotional information, which we believe may be of interest or benefit to you. You have the right to opt out of receiving such marketing information. You can do so by sending us the completed Withdrawal of Marketing Consent request;
  8. seeking professional advice (including but not limited to obtaining legal advice and facilitating dispute resolution);
  9. compiling information for statistical analytics/research to enhance products and services;
  10. fulfilling audit requirements and compliance supervision;
  11. revenue collection or debt recovery;
  12. disclosing to our parent company and/or related companies of the Company Group, agents, contractors, or third party service providers who provides administrative, telecommunications, payment, data processing or other services to the Company in connection with the operation of its business; (collectively the “Authorised Purposes”)

You may withdraw your consent for us to collect, use or disclose your personal data by giving us a written notice via email addressed to us at, so long as there are no legal or contractual restrictions preventing you from doing so.

If you withdraw your consent for us to use, collect or disclose your personal data, we will review and inform you on the consequences of the withdrawal.

You have the right to withdraw consent that you have given to receiving marketing and/or promotional materials and information. The withdrawal of consent will come into effect within 30 working days upon receipt of your Withdrawal of Marketing Consent request.

We aim to keep your personal information accurate and up-to-date. Please contact us in writing to advise of changes/updates in your personal information after disclosure, as soon as possible. We will take reasonable efforts to ensure that your personal information in our systems or in our files is corrected.

We take reasonable precautions to protect your personal data from unauthorised access, collection, use, disclosure, copying, modification or disposal. Only authorised personnel have access to your data on a need-to-know basis and they must comply with our Privacy Policy and practices.

We will only keep your personal data for as long as it is needed for the purposes for which it was collected and as required for business or legal purposes.

3. Online Transactions

Generally, we ask for your specific information through an application form or fact-finding form. As part of our ongoing website content development, we use “cookies” to measure traffic to various areas of our sites. The cookies expire as soon as you exit our website. The information collected through cookies is aggregated to determine overall (rather than individual) use of our site and is used to tailor future contents of our site.

4. Enquiries, Feedback, Access and Correction

If you have any enquiries or feedback on our Privacy Policy, you may write to For requests pertaining to your personal data access, please bring along your original identity document in person to our office. For personal data access on behalf of another individual, a signed authorisation letter and a copy of proof of identity of the individual (whose identity is being accessed) are required. To correct your personal data or withdraw marketing consent, please also email to Please note that depending on the type of information requested, we may impose an administration fee for processing.

We will use reasonable efforts to fulfill your request to access or correct your personal information within 30 business days of receiving your request and the relevant administration fee (where applicable). Similarly, we would take 30 business days to process request for withdrawal of marketing consent.

5. Changes to the Privacy Policy

We will review our Privacy Policy periodically and reserve the right to make amendments at any time to take into account of changes in our business and legal requirements. Notice of such revision will be indicated on our website and/or by such other means of communication deemed suitable by This Privacy Policy is dated 27 September 2014.

Thank you!