Terms & Conditions

Last updated: July 29, 2025


Welcome to DREAMCREATION TECH PTE. LTD. ("we", "us", or "our"). These Terms & Conditions govern your use of https://www.topwiseinsurance.com (the "Website"). By accessing or using the Website, you agree to be bound by these Terms.

1. Acceptance of Terms

1.1 You must be at least 18 years old to use this Website.

1.2 By using our services, you confirm that you have read, understood, and agree to these Terms & Conditions.

2. Services

2.1 We provide information and tools for comparing insurance policies. We do not underwrite or sell insurance directly.

2.2 All quotes obtained through third-party links are subject to the respective provider's terms.

3. User Obligations

3.1 You agree to provide accurate and complete information.

3.2 You will not misuse the Website or attempt unauthorized access.

4. Intellectual Property

4.1 All content on the Website is our property or licensed, protected by copyright, trademark, and other laws.

4.2 You may not reproduce, distribute, or create derivative works without our prior written consent.

5. Disclaimers and Limitation of Liability

5.1 The Website is provided "as is". We make no warranties of any kind, express or implied.

5.2 We are not responsible for errors, omissions, or third-party content.

5.3 To the maximum extent permitted by law, our liability is limited to direct damages up to the amount you paid.

6. External Links

6.1 Our Website may contain links to third-party websites. We are not responsible for their content or privacy practices.

7. Governing Law

7.1 These Terms are governed by the laws of Singapore.

7.2 Any dispute arising from these Terms will be resolved in the courts of Singapore.

8. Changes to Terms

8.1 We may update these Terms at any time. We will notify you by posting the new Terms on this page.

9. Contact Us

If you have any questions, please contact us at:

DREAMCREATION TECH PTE. LTD.

Email: ads@dreamcreationsg.com