1. Campaign Period

The Syfe Insider New User Offer (the “Promotion”) is valid from 23 February 2026, 00:00 Singapore Time (SGT) to 20 April 2026, 23:59 SGT (the “Promotion Period”), both dates inclusive. Syfe Pte. Ltd. (“Syfe”) reserves the right to amend the Promotion Period, extend, suspend, terminate and/or cancel the Promotion (in whole or in part) at any time at its sole and absolute discretion without prior notice.

2. Definitions

For the purposes of these Terms & Conditions (“T&Cs”):

• “Eligible Products” means the Syfe product categories that are included in this Promotion, namely (i) Managed Portfolios, (ii) Brokerage, and (iii) Cash Management, as may be determined by Syfe from time to time.
• “Fresh Funds” means monies that are not previously held in any Syfe account and are newly deposited into Syfe during the Promotion Period. Fresh Funds exclude (a) transfers between Syfe portfolios/accounts (including internal transfers between products), (b) monies withdrawn from Syfe and re-deposited for the purpose of qualifying, and/or (c) any other funds Syfe reasonably determines are not incremental to Syfe.
• “New User” means an individual who has not previously opened and/or funded any Syfe account prior to the Promotion Period and has not previously received a Syfe new-user promotion, as determined by Syfe in its sole discretion.
• “Qualifying Funding” means the minimum amount of Fresh Funds successfully received and reflected in an Eligible Product within the Qualifying Funding Window, meeting one of the stated deposit tiers.
• “Qualifying Funding Window” means fifteen (15) calendar days from the date the participant’s Syfe account registration is successfully completed (including KYC).
• “Holding Period” means a continuous period of thirty (30) days commencing from the date the Qualifying Funding criteria for the relevant tier is met and reflected in the relevant Eligible Product account, during which the participant must maintain at least the qualifying net funding amount for that tier.

3. Eligibility

The Campaign is open to New Users and Existing Users who are legal residents of Singapore at the time of participation, and who satisfy all of the following:

• are at least 18 years old;
• have successfully opened and maintained an active Syfe account (including completion of any required identity verification and onboarding steps);
• have a valid Singapore bank account linked to their Syfe account for funding and/or withdrawals; and
• are not employees of Syfe or Syfe’s related corporations or affiliates, or immediate family members of such employees.
  

Syfe may disqualify any person who is ineligible, who does not satisfy these T&Cs, or who Syfe reasonably believes has acted in bad faith, manipulated funding actions and/or Qualifying Funding, abused the Campaign, or engaged in fraudulent or unlawful conduct.

4. Qualifying Actions

4.1 To qualify for a Reward under this Promotion, a participant must, within the Qualifying Funding Window, successfully deposit Fresh Funds into one or more Eligible Products such that the net funding amount meets one of the applicable deposit tiers. Deposits must be successfully received by Syfe and reflected in the participant’s account. Syfe will determine the time of deposit based on Syfe’s records and systems, which shall be final and conclusive.

4.2 The minimum Qualifying Funding tiers are as follows (each assessed separately for each Eligible Product category): S$2,000; S$5,000; S$10,000; and S$50,000.

4.3 For the avoidance of doubt, the minimum deposit requirement applies separately to each Eligible Product category (Cash Management, Managed Portfolios and Brokerage). Accordingly, participants may qualify for multiple Rewards across product categories if they satisfy the eligibility criteria and qualifying actions for each category independently. 

5. Rewards Structure

Subject to full compliance with these T&Cs, eligible participants will be entitled to the following rewards (each, a “Reward”) based on the Eligible Product funded and the Qualifying Funding tier achieved.

Qualifying Funding Tier (per product)	Managed Portfolio / Cash Management	Brokerage
S$2,000	1-month fee waiver	S$15 cash credits + 3 months unlimited free US trades
S$5,000	2-month fee waiver	S$30 cash credits + 3 months unlimited free US trades
S$10,000	3-month fee waiver	S$60 cash credits + 3 months unlimited free US trades
S$50,000	4-month fee waiver	S$150 cash credits + 3 months unlimited free US trades

5.1 Reward(s) are not transferable, exchangeable or redeemable for cash unless expressly stated otherwise in these T&Cs. Syfe may substitute any Reward with an item of similar value, where necessary, at its sole discretion.

6. Reward Mechanics and Fulfilment

6.1 All rewards are: (a) awarded once per eligible New User; (b) non-transferable; (c) not exchangeable for cash; and (d) not valid in conjunction with any other Syfe promotion, referral programme, welcome offer, fee discount, rebate arrangement or ongoing promotional benefit, unless Syfe expressly states otherwise.

6.2 Managed Portfolios / Cash Management Fee Waiver: Upon the participant’s successful completion of the Holding Period and Syfe’s verification that the participant has achieved at least one Qualifying Deposit in the relevant Managed Portfolio and/or Cash Management product (as applicable), Syfe shall apply a fee waiver to the participant’s account in accordance with the applicable Reward tier set out in Clause 5 (Rewards Structure). The fee waiver shall be capped on the first S$50,000 of eligible assets funded under this Promotion (or such other cap as specified in the Rewards Structure), and shall be effective for the corresponding number of consecutive calendar month(s) stated for the relevant tier, commencing upon completion of the Holding Period following Syfe’s final verification. For the avoidance of doubt, the fee waiver shall apply only to Syfe’s management fee(s) or product fee(s) (as applicable) and shall not apply to any third-party fees, transaction costs, taxes, duties or other charges.

6.3 Brokerage free US trades: “Free US trades” refers to a waiver or rebate of Syfe’s commission for eligible buy and sell orders of US-listed securities placed via Syfe Brokerage, for three (3) consecutive months, starting from the participant’s sign-up date (or, where applicable, the date the participant’s Syfe Brokerage account is successfully opened, as determined by Syfe’s records). Regulatory, exchange, clearing, pass-through, miscellaneous and/or third-party fees (and any FX-related costs) will still apply, where applicable, and remain payable by the user.

6.4 Timing of Guaranteed Rewards: For the avoidance of doubt, the Brokerage free US trades benefit commences in accordance with Clause 6.3 (i.e. from the participant’s sign-up date (or, where applicable, the date the participant’s Syfe Brokerage account is successfully opened)) and is not dependent on completion of the Holding Period. In contrast, the Managed Portfolios fee waiver will only be applied and commence after the participant has successfully completed the Holding Period requirements, as determined by Syfe’s records.

6.5 Syfe will use reasonable efforts to apply the applicable Guaranteed Reward in accordance with Clauses 6.2 to 6.3, provided the participant remains eligible. Syfe does not guarantee any specific application timeline.

7. Lucky Draw – Apple AirPods

7.1 Eligible New Users who (a) successfully apply the relevant Syfe promo code in accordance with Syfe’s instructions and (b) meet any of the minimum Qualifying Funding tiers within the Qualifying Funding Window (S$2,000 and above) and successfully complete the applicable Holding Period in accordance with these T&Cs, will be entitled to one (1) entry into a lucky draw to win one (1) pair of Apple AirPods (the “Lucky Draw”). For the avoidance of doubt, entries are awarded on a per-client basis and are not transferable.

7.1 Winners will be selected at random through a livestream draw conducted by Syfe (the “Livestream Draw”). The Livestream Draw will be conducted after the end of the Promotion Period and after Syfe has verified that eligible participants have satisfied the Holding Period and all other qualifying criteria. Syfe’s records and determination of eligibility and the draw outcome shall be final and binding.

7.3 Syfe will share the livestream link and viewing details (including the date/time of the Livestream Draw) no later than seven (7) calendar days prior to the Livestream Draw to participants who have qualified for the Lucky Draw, via the email address and/or WhatsApp number registered with Syfe. Participants are responsible for ensuring that their registered contact details are accurate and accessible and that Syfe communications are not blocked or filtered.

7.4 Syfe will notify the winner(s) via the email address and/or WhatsApp number registered with Syfe within ten (10) business days after the Promotion concludes (or such other timeframe as Syfe may determine, acting reasonably). If a winner does not respond within seven (7) days of notification, Syfe reserves the right to select an alternative winner.

7.5 The Lucky Draw prize is non-transferable and cannot be exchanged for cash. Syfe makes no warranty as to the quality, merchantability or fitness for purpose of the prize, and any warranty claims (if any) shall be directed to the prize manufacturer, where applicable.

8. Holding Period

A 30-day Holding Period applies from the date the Qualifying Funding criteria are met and reflected in the relevant Eligible Product. During the Holding Period, participants must maintain at least the qualifying net funding amount for the relevant tier. Any withdrawal, transfer, redemption, or other reduction that results in the net funding falling below the qualifying tier amount during the Holding Period may result in forfeiture, withholding, revocation and/or clawback of the Reward and/or disqualification from the Lucky Draw.

For the avoidance of doubt, market movements that change portfolio value will not, on their own, affect eligibility provided that the participant does not withdraw or transfer funds such that the net funding falls below the qualifying amount as assessed by Syfe.

9. Currency

All monetary values stated in these T&Cs are denominated in Singapore Dollars (SGD), unless expressly stated otherwise.

10. Collection of Information

By providing information for and/or participating in this Promotion, clients understand and agree that Syfe will collect, use, disclose and otherwise process their personal information for the purposes of administering this Promotion, communicating with clients in relation to their participation, and for other marketing communications, as well as in accordance with Syfe’s Privacy Policy (as may be updated from time to time). Clients may opt out of marketing communications at any time; however, if a client opts out, the client may not receive updates regarding their participation in this Promotion (including fulfillment notifications). Any questions regarding Syfe’s Privacy Policy or treatment of personal information should be directed to [email protected].

11. Release

By participating in the Promotion, the client agrees that Syfe shall not be liable for any loss or damage which may arise in connection with their participation in the Promotion, including (without limitation) any technical issues, system outages, deposit failures, delays, or any act or omission of any third party.

Without limiting the foregoing, the client hereby: (a) forever releases and discharges Syfe and its parent companies, subsidiaries, affiliates, related and associated entities and their respective employees, directors, officers, suppliers, agents, sponsors and administrators (collectively, the “Releasees”) from and against any and all claims, actions, costs, liabilities, judgments, damages, obligations, losses, penalties and expenses of any kind or nature whatsoever (including legal fees) (collectively, the “Claims”) in any way arising directly or indirectly out of any loss or damage that the client may suffer as a result of, or in connection with, participation in the Promotion or any promotion-related activity, including the use of any Reward; and (b) indemnifies, defends and holds harmless the Releasees from and against any and all damages, losses and expenses (including legal fees) which may be suffered directly or indirectly by reason of the client’s own negligence or wilful misconduct during or in connection with participation in the Promotion.

12. Reservation of Rights

Syfe reserves the right to amend, withdraw, restrict, suspend or terminate the Promotion at any time without notice, and Syfe is the sole arbiter of these rules and any other issue arising under the Promotion. If Syfe suspects fraudulent or abusive behaviour, gaming of the system, inappropriate, offensive or derogatory language or information, or a violation of these T&Cs, Syfe reserves the right to remove all promotional benefits and take any other action it deems appropriate including, but not limited to, removing the Reward retail value from the client’s account (where applicable) and/or closing the client’s account.

13. General

In the event of any inconsistency between these T&Cs and any advertising, promotional, publicity and other materials relating to or in connection with this Promotion, these T&Cs shall prevail.

Any dispute arising out of or in connection with the Promotion and/or these T&Cs shall be referred to and finally resolved by the Courts of Singapore, and both the client and Syfe hereby unconditionally and irrevocably submit to the exclusive jurisdiction of the Courts of Singapore. These T&Cs shall be governed by Singapore law.

These T&Cs are to be read in conjunction with Syfe’s prevailing account terms, product terms, promotional terms and any other applicable terms and conditions available on Syfe’s website and/or in the Syfe application. Participants remain bound by those terms at all times.

14. Disclaimers

This content is intended solely to provide general information and should not be viewed as financial advice. It is not meant to market any specific investment or offer, or recommend the purchase or sale of any specific investment product or security. Syfe makes no representations and gives no warranties about the accuracy, completeness or suitability of any information provided.

All forms of investments carry risks, including the risk of losing all of the invested amount. You should carefully consider whether any investment views and products/services are appropriate in view of your personal investment experience, objectives, financial resources and relevant circumstances. You may wish to seek independent financial, legal, accounting, regulatory or tax advice where appropriate and/or necessary.

This content is directed at and restricted (as applicable and as appropriate) to individuals resident in, or entities having a place of business or operations in, Singapore. Syfe makes no representation that the material and information contained herein are appropriate or available for use in other locations/jurisdictions.

No warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of you acting based on this information.

Syfe Pte. Ltd. is a digital investment platform licensed by the Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore.

15. Additional Provisions

This Promotion is intended for residents of Singapore only. Syfe makes no warranty about the suitability or accuracy of any information and is not liable for losses resulting from participation in the Promotion. Clients should seek independent advice where appropriate.