Legal Information
This legal information page was last updated on 23 September 2026.
Identity of the Website Operator and Its Role
The website is operated by celebwaveix, a commercial entity engaged in the insurance health sector in Singapore. celebwaveix serves as the primary operator responsible for providing information, resources, and services related to health insurance products, including integrated shield plans, critical illness coverage, and related employee benefit programmes. The operator facilitates access to regulated insurance solutions while complying with all applicable Singaporean regulations. In its role, celebwaveix acts as an information hub and service provider, connecting users with licensed insurance offerings without engaging in unauthorised financial advisory activities beyond its licensed scope.
Legal Form, Registration Details, Tax Identifiers, Licences, and Responsible Representatives Required in the Target Country
celebwaveix operates as a Private Company Limited by Shares incorporated under the Companies Act 1967 of Singapore. Key non-contact legal identifiers include the Company Registration Number (UEN) 200413569G and the GST Registration Number 200413569G. The entity was incorporated on 20 October 2004 and maintains principal activities in the underwriting of healthcare and medical insurance along with employee benefit programmes. It holds regulatory status as a Direct Insurer (Life) and Exempt Financial Adviser licensed by the Monetary Authority of Singapore (MAS) under the Insurance Act 1966. This licensing ensures compliance with MAS Notice 120 on disclosure and advisory processes for accident and health insurance products. Responsible representatives include directors and key officers appointed in accordance with ACRA requirements, with at least one director ordinarily resident in Singapore. All changes to registration details must be updated with ACRA within statutory timeframes to avoid penalties.
Registered Office and Available Contact Details
The registered office address is 1 Finlayson Green, Singapore 049246. This address serves as the official location for legal notices, service of documents, and public access during business hours as required by Singapore law. Contact details are available through enabled components: email via [email protected], telephone via 1800 248 8000, and physical address via 1 Finlayson Green, Singapore 049246. The site maintains a dedicated Contacts page featuring a contact form for visitor inquiries. All communications must comply with the Personal Data Protection Act (PDPA) when handling personal information.
Purpose, Scope, and Intended Audience of the Website
The primary purpose of the website is to provide educational resources, product information, and tools related to health insurance in Singapore, including comparisons of integrated shield plans, explanations of coverage options, and guidance on claims processes. The scope encompasses personal and corporate health insurance solutions, blog content on healthcare topics, and links to related policies. The intended audience includes Singapore residents, permanent residents, and businesses seeking health insurance protection, as well as individuals exploring options under the national healthcare framework involving MediShield Life and private insurers. Content is tailored for adults capable of making informed financial decisions and is not directed at minors.
Rules for Access to and Acceptable Use of the Website
Access to the website is granted subject to these terms. Users must not use the site for any unlawful purpose, including but not limited to fraud, misrepresentation of insurance needs, or violation of MAS regulations. Acceptable use includes browsing for personal or business information, submitting genuine inquiries via the contact form, and accessing blog articles. Prohibited activities encompass scraping content, attempting unauthorised access, posting defamatory material, or interfering with site functionality. The site features a site-wide cookie banner requiring consent for non-essential cookies. Violations may result in termination of access and potential legal action under Singapore law.
Ownership and Permitted Use of Website Content, Trademarks, and Other Intellectual Property
All content on the website, including text, graphics, logos, and blog posts, is owned by celebwaveix or its licensors. Trademarks such as product names and the site branding are protected under the Trade Marks Act. Permitted use allows personal, non-commercial viewing and printing for reference purposes only. Reproduction, distribution, modification, or commercial exploitation requires prior written consent. Third-party trademarks appearing on the site remain the property of their respective owners. Users must not imply endorsement or affiliation without authorisation.
Accuracy, Availability, and Proportionate Limitations of Liability
While every effort is made to ensure accuracy of information, the website content is provided for general guidance and does not constitute personalised advice. Insurance products are subject to individual policy terms, underwriting, and regulatory changes by MAS and the Ministry of Health. The site is available on an as-is basis and may be interrupted for maintenance or due to factors beyond control. Liability is limited to the extent permitted by Singapore law, including the Unfair Contract Terms Act and Consumer Protection (Fair Trading) Act. celebwaveix shall not be liable for indirect, incidental, or consequential damages arising from use of the site or reliance on information, except in cases of gross negligence or wilful misconduct. Users are encouraged to verify details directly with licensed insurers and seek professional advice where appropriate.
External Links and Third-Party Content
The website may contain links to external sites operated by third parties, such as MAS resources, partner insurers, or healthcare providers. These links are provided for convenience and do not imply endorsement. celebwaveix is not responsible for the content, privacy practices, or availability of external sites. Third-party content, including any embedded resources or partner materials, is subject to the terms of those providers. Users should review the policies of linked sites independently.
References to Other Policies
Users should refer to the Privacy Policy for details on personal data handling under the PDPA. The Cookie Policy explains the use of cookies and similar technologies in compliance with ePrivacy considerations. The Terms of Use or Terms and Conditions govern overall site usage and contractual matters. The Payment and Refund Policy, where applicable to any transactions, outlines billing, cancellation, and refund processes for insurance-related services. These documents are accessible via the website navigation and form an integral part of the legal framework.
Applicable Law, Competent Courts, and Consumer Dispute Rights
This legal information and the website are governed by the laws of the Republic of Singapore. Any disputes shall be subject to the exclusive jurisdiction of the courts of Singapore. Consumers have rights under the Consumer Protection (Fair Trading) Act and may seek redress through the Financial Industry Disputes Resolution Centre (FIDReC) for insurance-related complaints against MAS-licensed entities. Complaints regarding data protection can be directed to the Personal Data Protection Commission (PDPC). The site promotes fair trading practices and provides mechanisms for feedback to support consumer protection.
Contact Route, Changes, and Last-Updated Date
For inquiries regarding this legal information or the website, use the contact form on the Contacts page or reach out via [email protected] or 1800 248 8000. celebwaveix reserves the right to update this page and related policies at any time to reflect changes in law, business operations, or regulatory requirements. Continued use of the website after updates constitutes acceptance of the revised terms. The last-updated date appears at the top of this page. For the most current version, please revisit this section regularly.