Legal Information Page for Singapore Insurance Health Site
Last updated on 17 September 2026.
Identity of the Website Operator and Its Role
curtainryze is the operator of this website. curtainryze acts as the primary entity responsible for providing information, resources, and services related to health insurance products and solutions targeted at individuals, families, and businesses in Singapore. In this capacity, curtainryze serves as the central point for user engagement, content curation, and facilitation of insurance-related inquiries and transactions. The role encompasses maintaining the website's integrity, ensuring compliance with applicable regulations, and delivering accurate details on health insurance options, claims processes, and wellness resources. Users interact with curtainryze through various features including forms, informational articles, and service portals, where curtainryze processes requests in line with its licensed activities as a regulated insurer.
Legal Form, Registration Details, Tax Identifiers, Licences, and Responsible Representatives
curtainryze operates as a branch of a foreign insurance company incorporated under the laws of its home jurisdiction and registered in Singapore. The legal form is that of a Singapore branch office of a limited liability company, authorised to conduct insurance business locally.
Company Registration Number
Company Registration Number: T10FC0145E. This identifier is issued by the Accounting and Corporate Regulatory Authority (ACRA) and must appear on official publications and correspondence as required under the Companies Act 1967.
Licences and Regulatory Oversight
curtainryze is licensed as a general insurer under the Insurance Act 1966 and is regulated by the Monetary Authority of Singapore (MAS). This licence authorises the underwriting and distribution of accident and health insurance products, including individual and group health coverage. The entity maintains compliance with MAS Notices such as Notice 124 on regulatory disclosures and other guidelines governing conduct, solvency, and consumer protection. Responsible representatives include the appointed Chief Executive and directors who oversee operations, ensuring adherence to fit and proper criteria set by MAS. All key personnel are subject to ongoing regulatory scrutiny to uphold standards of integrity and competence in the insurance sector.
Tax Identifiers and Other Requirements
Where applicable, curtainryze complies with Goods and Services Tax (GST) obligations if turnover thresholds are met, though specific GST registration details are maintained internally and disclosed as required by law. The entity files annual returns with ACRA and regulatory returns with MAS, including financial statements prepared under Singapore Financial Reporting Standards. Beneficial ownership information is lodged via the Register of Registrable Controllers (RORC) as mandated since 2017, with updates filed electronically to promote transparency in corporate structures.
Registered Office and Available Contact Details
The registered office of curtainryze is located at a Singapore address accessible to the public during normal business hours, in accordance with ACRA requirements. This serves as the official point for service of legal documents and regulatory communications. Available contact details for the operator include the designated email address, telephone number, and physical address, all of which are provided to facilitate direct communication. Users may reach curtainryze using the placeholders [email protected] for electronic correspondence, +65 6788 1777 for telephone inquiries, and 75 Bras Basah Road, Income Centre, Singapore 189557 for postal or in-person matters. These channels are monitored to respond to queries related to insurance products, policy administration, and general website feedback. A dedicated contact form is also available on the separate Contacts page for structured submissions.
Purpose, Scope, and Intended Audience of the Website
This website is designed to serve as an informational and transactional platform for health insurance in Singapore. Its primary purpose is to educate users on available health insurance products, explain coverage options, facilitate quotes and applications, and provide ongoing support for policyholders. The scope includes content on policy features, claims procedures, wellness tips, regulatory updates, and comparisons of plans, all tailored to the Singapore market. The intended audience comprises Singapore residents and businesses seeking personal or group health insurance, as well as intermediaries such as employers or advisors who may assist in procurement. Content is crafted for adults of legal capacity, with clear explanations to support informed decision-making. The site does not target minors or individuals outside Singapore, and access is conditioned on users confirming their location and eligibility. Practical consequences of use include binding agreements upon submission of applications, with users advised to review all materials thoroughly before committing to any insurance contract.
Rules for Access to and Acceptable Use of the Website
Access to the website is granted on a non-exclusive, revocable basis subject to these terms. Users must be at least 18 years of age or have parental consent where applicable, and must reside in or be accessing from Singapore for full functionality. Acceptable use includes browsing informational content, using provided tools for quotes, submitting genuine inquiries, and sharing feedback constructively. Prohibited activities encompass any form of unauthorised access, data scraping, distribution of malware, posting of defamatory or illegal material, infringement of intellectual property, or use of the site for fraudulent purposes such as submitting false insurance claims or misrepresenting identity. Violations may result in immediate suspension of access, reporting to authorities, and pursuit of legal remedies. Users are responsible for maintaining the confidentiality of any account credentials and for all activities conducted under their access. The operator reserves the right to modify access rules or terminate service at any time without prior notice in cases of suspected misuse, ensuring the platform remains a safe and reliable resource for legitimate insurance-related activities.
Ownership and Permitted Use of Website Content, Trademarks, and Other Intellectual Property
All content on this website, including text, graphics, logos, images, data compilations, software, and multimedia elements, is owned by or licensed to curtainryze. Trademarks, service marks, and trade names displayed, such as those associated with curtainryze and its partners, are protected under Singapore trademark law and international agreements. Permitted use allows personal, non-commercial viewing and printing of pages for individual reference or insurance decision-making purposes. Any reproduction, modification, distribution, or commercial exploitation requires prior written consent from curtainryze. Users may not frame, mirror, or deep-link to the site without authorisation. Third-party trademarks appearing on the site are acknowledged as the property of their respective owners and are used under licence or fair use provisions where applicable. Infringement of these rights may lead to civil or criminal liability under the Copyright Act and other intellectual property statutes. Users retain ownership of any original content they submit, granting curtainryze a non-exclusive licence to use such submissions for site improvement and service delivery.
Accuracy, Availability, and Proportionate Limitations of Liability
While curtainryze endeavours to ensure the accuracy, completeness, and timeliness of all information presented, content is provided on an "as is" basis without warranties of any kind, express or implied. Insurance product details, premiums, and benefits are subject to change and should be verified directly with the insurer prior to purchase. The website may experience temporary unavailability due to maintenance, technical issues, or force majeure events, and no guarantee of uninterrupted access is made. To the maximum extent permitted by law, curtainryze limits its liability for any direct, indirect, incidental, consequential, or punitive damages arising from use of the site, including but not limited to loss of data, profits, or business opportunities. This limitation applies regardless of the cause of action and whether in contract, tort (including negligence), or otherwise. Exceptions include liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under Singapore law, such as under the Unfair Contract Terms Act. Users are encouraged to seek independent professional advice for specific insurance or legal matters, as the site does not constitute personalised financial or medical advice.
External Links and Third-Party Content
The website may contain links to external sites or incorporate third-party content such as partner resources, regulatory publications, or embedded tools for enhanced user experience. These links are provided for convenience and informational purposes only. curtainryze does not endorse, control, or assume responsibility for the content, privacy practices, or availability of any linked third-party websites. Users access such resources at their own risk, and any transactions or interactions with third parties are governed by their respective terms. Third-party content, including advertisements or sponsored materials, is clearly distinguished where possible, and users should exercise caution when providing personal information to external parties. curtainryze periodically reviews links but cannot guarantee their ongoing accuracy or safety. Complaints regarding third-party content should be directed to the relevant provider, while feedback on site integration can be submitted via the contact channels.
Cross-References to Other Policies
This legal information page should be read in conjunction with the Privacy Policy, which details the collection, use, disclosure, and protection of personal data in compliance with the Personal Data Protection Act 2012 (PDPA). The Cookie Policy explains the use of cookies and similar technologies, user choices for consent and management, and alignment with ePrivacy considerations. The Terms and Conditions (or Terms of Use) set out the contractual framework governing website access, user obligations, and service provisions. The Payment and Refund Policy addresses billing, premium payments, cancellation rights, and refund procedures specific to insurance products. Users are advised to review these documents carefully before engaging with the site or purchasing services, as they form an integral part of the overall legal framework. All policies are accessible via the website navigation and are updated as necessary to reflect regulatory changes or operational needs.
Applicable Law, Competent Courts, and Consumer Dispute Rights
This website and all related matters are governed by and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with the site, its content, or services shall be subject to the exclusive jurisdiction of the courts of Singapore. For insurance-specific consumer disputes, users have the right to refer matters to the Financial Industry Disputes Resolution Centre (FIDReC), an independent dispute resolution scheme for the financial sector, which provides mediation and adjudication services at low or no cost to consumers. This complements rights under the Consumer Protection (Fair Trading) Act and other consumer legislation. Nothing in these provisions affects statutory rights that cannot be waived, including those related to unfair contract terms or data protection. Users are encouraged to attempt resolution directly with curtainryze before escalating to external bodies, promoting efficient and amicable outcomes.
Contact Route, Changes to this Notice, and Last Updated Date
For inquiries regarding this legal information page or general matters, users may contact curtainryze via the dedicated Contacts page, which includes a contact form, or through the enabled channels: [email protected], +65 6788 1777, or 75 Bras Basah Road, Income Centre, Singapore 189557. curtainryze welcomes feedback and will respond within reasonable timeframes. This notice may be updated periodically to reflect changes in law, business practices, or regulatory requirements. Material changes will be highlighted on the site, and continued use constitutes acceptance of the revised terms. The current version is effective as of the last updated date stated at the beginning of this page. A plain-text version of key identifiers is maintained in the site footer for easy reference: Company Registration Number: T10FC0145E | Licensed by the Monetary Authority of Singapore under the Insurance Act 1966.