Terms and Conditions

Sanctuary Finance

Last updated: 15 April 2026

1. Overview

Sanctuary Finance provides financial education, digital products, and guided sessions designed to support clarity and structure in personal finances. All services are educational in nature.

By accessing this website or purchasing any product or service, you agree to these Terms.

2. No Financial Advice

All content, materials, and sessions provided by Sanctuary Finance are for educational and informational purposes only.

We do not provide:

  • Financial advisory services
  • Investment recommendations
  • Legal or tax advice

You acknowledge that:

  • You are solely responsible for your financial decisions
  • No fiduciary relationship is created

3. Eligibility

You must be at least 18 years old to use our services.

4. Products & Services

We offer:

  • Digital products (e.g. Calm Money Reset, Sanctuary Foundation)
  • 30-minute and 90-minute guided sessions

All purchases are for personal, non-commercial use only.

5. Payments

  • All prices are stated in SGD unless otherwise specified
  • Payment must be made in full prior to access or booking
  • We reserve the right to change pricing at any time

6. Refunds & Cancellations

Refer to our Refund & Cancellation Policy.

7. Intellectual Property

All content, including but not limited to:

  • Workbooks
  • Frameworks
  • Branding

are owned by Sanctuary Finance.

You may not:

  • Reproduce
  • Distribute
  • Share or resell

without written consent.

8. Limitation of Liability

To the fullest extent permitted under Singapore law:

  • Sanctuary Finance shall not be liable for any:
    • Financial losses
    • Investment losses
    • Indirect or consequential damages
  • Our total liability shall not exceed the amount paid by you for the relevant product or service.

9. No Guarantees

We do not guarantee:

  • Financial outcomes
  • Results from using our materials

Results depend on individual circumstances and actions.

10. Termination

We reserve the right to:

  • Refuse service
  • Terminate access

if these Terms are breached.

11. Governing Law

These Terms are governed by the laws of Singapore.