Last updated: 23 July 2026
By accessing or using umaryusof.com and any related services (including tools, calculators, guides, or automated systems operated by Umar Yusof or Lumora Pte. Ltd.), you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.
This website provides financial education content, resources, and introductory information about wealth management services. It is operated by Umar Yusof in his personal capacity and through Lumora Pte. Ltd.
Financial advisory services are provided separately under applicable regulatory frameworks. Nothing on this website constitutes financial advice unless explicitly agreed in writing.
We operate personal content publishing tools that connect to third-party platforms including TikTok, LinkedIn, Facebook, and Instagram via their official APIs. These tools are used solely to publish content to accounts owned and operated by Umar Yusof. They are not offered as a service to third parties.
By connecting any third-party platform account to these tools (for personal use), you confirm that you are the authorised account owner and that your use complies with the platform's terms of service.
Content on this website, including blog articles, guides, calculators, and educational materials, is for informational purposes only. It does not constitute personalised financial advice. Past performance of any investment product does not guarantee future results. You should consult a qualified financial adviser before making any investment or insurance decisions.
All content on this website, including text, images, videos, and tools, is owned by Umar Yusof or Lumora Pte. Ltd. unless otherwise stated. You may not reproduce, distribute, or use our content commercially without prior written permission.
Our website may link to third-party websites or use third-party services. We are not responsible for the content, privacy practices, or terms of those third parties. Use of third-party services is subject to their own terms and policies.
To the maximum extent permitted by law, Umar Yusof and Lumora Pte. Ltd. shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or any related services. Our total liability for any claim arising out of these terms shall not exceed SGD 100.
Financial advisory services referenced on this website are conducted in compliance with regulations set by the Monetary Authority of Singapore (MAS). Nothing on this website is intended to circumvent or violate applicable laws or regulations.
We may update these Terms of Service from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our services after changes are posted constitutes acceptance of the revised terms.
These terms are governed by the laws of Singapore. Any disputes shall be subject to the exclusive jurisdiction of the courts of Singapore.
If you have any questions about these terms, contact us at:
Umar Yusof
Email: umar@umaryusof.com
Website: umaryusof.com