By accessing or using mandarpadhye.com (the “Site”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site. See also our Privacy Policy, which is incorporated into these terms by reference.

This Site is operated by Mandar Padhye, who provides financial advisory services as a representative of Manulife Financial Advisers Pte. Ltd., a Financial Adviser licensed by the Monetary Authority of Singapore under the Financial Advisers Act. Full licensing and representative details are published at MAS Disclosures. Using this Site does not, on its own, create an advisory or client relationship — that only begins through a direct engagement with Mandar.

Content on this Site — including articles, case studies, and client stories — is general and educational in nature. It does not take into account your specific financial situation, objectives, or needs, and does not constitute personalized financial, investment, insurance, tax, or legal advice. No specific product, fund, or investment is recommended by any part of this Site. As of the “Last updated” date above, the Site does not offer any interactive self-serve tool (such as a risk or portfolio calculator) — if that changes, this section will describe the tool and its illustrative-only nature before it goes live. A personalized recommendation only happens through a direct conversation with Mandar, as a representative of a MAS-licensed Financial Adviser.

All content, design, graphics, and branding on this Site — including the names “Mandar Navigator” and “The S.M.A.R.T. Wealth Framework™” — belong to Mandar Padhye or his licensed content providers, and are protected by Singapore and international copyright and trademark law. You may view and share pages of this Site for personal, non-commercial purposes, but may not reproduce, copy, or redistribute substantial portions of it without prior written permission.

This Site links to third-party resources — for example, MAS’s public registers, YouTube, and social media profiles. We do not control and are not responsible for the content, accuracy, or privacy practices of any site we link to.

This Site is provided “as is” without warranties of any kind, whether express or implied, including as to accuracy, completeness, or fitness for a particular purpose.

To the fullest extent permitted by Singapore law, Mandar Padhye shall not be liable for any indirect, incidental, or consequential loss arising from your use of this Site, including any financial or investment decision made in reliance on its content. Nothing in these terms limits any liability that cannot lawfully be excluded, including liability arising from actual regulated financial advice given directly to you outside this Site.

You agree to indemnify and hold Mandar Padhye harmless from any claim or demand — including reasonable legal costs — arising from your misuse of this Site, your violation of these terms, or your violation of any right of a third party.

Concerns about this Site itself should be raised directly with Mandar using the contact details in Section 13. If a complaint concerns financial advice given directly to you (outside this Site) by Mandar as a representative of Manulife Financial Advisers Pte. Ltd., and it cannot be resolved to your satisfaction through the firm’s own complaints process, you may refer the matter to the Financial Industry Disputes Resolution Centre Ltd (“FIDReC”), Singapore’s independent dispute resolution scheme for consumer disputes with MAS-regulated financial institutions — fidrec.com.sg.

We may update these terms from time to time. The “Last updated” date at the top of this page will always reflect the most recent revision. Continued use of the Site after a change constitutes acceptance of the revised terms.

These terms are governed by the laws of the Republic of Singapore. Any dispute arising from these terms or your use of this Site is subject to the exclusive jurisdiction of the courts of Singapore.

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