The GOSYFE New Client Offer (the “Promotion”) is organised by Syfe Pte. Ltd. (“Syfe”). By participating in this Promotion, you agree to be bound by these Terms and Conditions, the terms of your customer agreement with Syfe, and Syfe’s decisions on all matters relating to the Promotion.<\/p>\n\n\n\n
1. Definitions<\/strong><\/p>\n\n\n\n “Promo Code” means the code GOSYFE.<\/p>\n\n\n\n “Promotion Period” means 23 October 2026 to 31 January 2027, 11:59 PM SGT.<\/p>\n\n\n\n “Eligible Client” means a client who meets every requirement in Clause 2.<\/p>\n\n\n\n “Wealth” means Syfe’s Managed Portfolio and Cash Management offerings, excluding SRS portfolios and Private Wealth. <\/p>\n\n\n\n “Brokerage” means a Syfe Brokerage account.<\/p>\n\n\n\n “Vertical” means Wealth or Brokerage, each treated as a separate Vertical.<\/p>\n\n\n\n “Qualifying Deposit” means a single lump sum of fresh funds deposited into a Vertical, as described in Clause 4.<\/p>\n\n\n\n “Funding Date” means the date on which a Qualifying Deposit is successfully processed and credited to the relevant account.<\/p>\n\n\n\n “Holding Period” means the 30 consecutive days starting on the Funding Date.<\/p>\n\n\n\n “Net Deposit” means, for a Vertical, the Qualifying Deposit less all withdrawals and transfers out of that Vertical. Market gains and losses are not counted. Selling securities, with proceeds kept in the account, is not a withdrawal.<\/p>\n\n\n\n “Lucky Draw Cut-off” means 31 January 2027, 11:59 PM SGT.<\/p>\n\n\n\n “Business Day” means a day other than a Saturday, Sunday or public holiday in Singapore.<\/p>\n\n\n\n “Draw Date” means the date on which the Lucky Draw is conducted under Clause 7.8.<\/p>\n\n\n\n “Collection Deadline” means 30 April 2027.<\/p>\n\n\n\n 2. Eligibility<\/strong><\/p>\n\n\n\n 2.1 To qualify, a client must: 2.2 Syfe employees, and their immediate family members, are not eligible.<\/p>\n\n\n\n 2.3 The Promo Code cannot be applied retroactively. Requests to amend, substitute or add a promo code after funding will not be accepted.<\/p>\n\n\n\n 3. The Offers at a Glance<\/strong><\/p>\n\n\n\n Each Offer is earned separately and the Offers can be combined, provided the Qualifying Deposit for each Vertical is a single lump sum<\/strong>.<\/p>\n\n\n\n 3.1 Combining Offers works as follows: <\/p>\n\n\n\n (a) S$100 or more into Wealth only: Offers 1 and 3.\u00a0 3.2 This Promotion may not be combined with any other promotion or promo code unless Syfe expressly says so.<\/p>\n\n\n\n 4. Qualifying Deposit<\/strong><\/p>\n\n\n\n 4.1 A Qualifying Deposit must be fresh funds deposited in one single lump sum into the relevant Vertical during the Promotion Period. Transfers between Syfe products, and between Syfe accounts, do not count.<\/p>\n\n\n\n 4.2 Multiple smaller deposits will not be added together to reach a minimum. Each deposit is assessed on its own.<\/p>\n\n\n\n 4.3 Only one Qualifying Deposit per Vertical counts under this Promotion. If a client makes more than one deposit into a Vertical, only the largest single lump sum is treated as the Qualifying Deposit. <\/p>\n\n\n\n 4.4 Deposits into SRS portfolios or Private Wealth offerings do not count towards any Offer.<\/p>\n\n\n\n 4.5 A deposit that fails, is reversed or is charged back does not count.<\/p>\n\n\n\n 5. Offer 1: 3 Months of Management Fees Waived<\/strong><\/p>\n\n\n\n 5.1 An Eligible Client who makes a Qualifying Deposit of at least S$100 into an eligible Wealth offering will receive a waiver of management fees for 3 months.<\/p>\n\n\n\n 5.2 The waiver applies to the management fees on the Wealth offering that received the Qualifying Deposit. It is capped to the first S$5,000 of the client\u2019s balance in Wealth. Management fees on any amount above S$5,000 will be charged as usual.<\/p>\n\n\n\n 5.3 The waiver does not apply to other fees or charges, or to SRS or Private Wealth.<\/p>\n\n\n\n 5.4 The client\u2019s Net Deposit in Wealth must stay at S$100 or above for the full Holding Period. If it falls below S$100 during the Holding Period, the client will not receive the waiver.<\/p>\n\n\n\n 5.5 Standard management fees apply once the 3-month waiver ends.<\/p>\n\n\n\n 5.6 Syfe will apply the waiver to the client’s account, within 14 Business Days after the Holding Period ends and Syfe has verified that the client has met the requirements of this Clause 5. The 3-month waiver period starts on the date the waiver is applied.<\/p>\n\n\n\n 5.7 The waiver has no cash value, cannot be transferred, and applies only to the management fees of the Wealth offering described in Clause 5.2.<\/p>\n\n\n\n 6. Offer 2: S$50 Trading Fee Credit<\/strong><\/p>\n\n\n\n 6.1 An Eligible Client who makes a Qualifying Deposit of at least S$50 into a Brokerage account will receive a S$50 trading fee credit.<\/p>\n\n\n\n 6.2 The client’s Net Deposit in Brokerage must stay at S$50 or above for the full Holding Period.<\/p>\n\n\n\n 6.3 Syfe will credit the trading fee credit to the client’s Brokerage account manually, within 14 Business Days after the Holding Period ends.<\/p>\n\n\n\n 6.4 The trading fee credit is valid for 30 days from the date it is credited. Any unused credit expires after 30 days.<\/p>\n\n\n\n 6.5 The trading fee credit is not a cash bonus. It has no cash value, cannot be withdrawn or transferred, and can only be used to offset trading fees in the Brokerage account. <\/p>\n\n\n\n 6.5A The trading fee credit applies only to Syfe Brokerage commission charges. It does not apply to or offset regulatory fees, exchange fees, clearing fees, settlement fees, pass-through fees, custody charges, FX conversion costs or spreads, taxes or duties, or any other fee or charge that is not a Syfe Brokerage commission charge. These remain payable by the client. Once the credit has been fully used, commission charges are payable at Syfe’s prevailing fee schedule. Unused credit does not roll over. <\/p>\n\n\n\n 6.6 If the Net Deposit falls below S$50 during the Holding Period, the client will not receive the fee credit.<\/p>\n\n\n\n 7. Offer 3: Apple Lucky Draw<\/strong><\/p>\n\n\n\n 7.1 Entries. An Eligible Client earns entries to the Lucky Draw based on each Qualifying Deposit made on or before the Lucky Draw Cut-off, as follows: 7.2 Entries are calculated separately for the Qualifying Deposit in each Vertical, then added together. Part amounts do not earn an entry. For a single Qualifying Deposit, the entries are:<\/p>\n\n\n\n 7.3 Deposits made in several smaller amounts are not combined to earn entries (see Clause 4.2).<\/p>\n\n\n\n 7.4 Holding Period requirement.<\/strong> Entries are earned only if the Eligible Client completes the Holding Period for the relevant Qualifying Deposit. The Eligible Client must keep the Qualifying Deposit in the relevant Vertical for the full Holding Period, and the entries are granted only after the Holding Period ends and Syfe has verified that the requirements of this Clause 7 have been met. No entries are granted before then.<\/p>\n\n\n\n 7.5 Withdrawals during the Holding Period.<\/strong> The Eligible Client\u2019s Net Deposit in the relevant Vertical is measured at the end of the Holding Period. If the Net Deposit is lower than the Qualifying Deposit, the entries for that Vertical are recalculated under Clause 7.1 using the Net Deposit. If the Net Deposit falls below S$10, the Eligible Client receives no entries for that Vertical. Additional deposits made during the Holding Period do not earn additional entries. Entries from a deposit that is reversed, charged back or fails are void.<\/p>\n\n\n\n 7.6 Draw pool.<\/strong> Only entries granted under Clause 7.4 are included in the draw. For the avoidance of doubt, a Qualifying Deposit made on the Lucky Draw Cut-off of 31 January 2027 has a Holding Period that ends on 2 March 2027.<\/p>\n\n\n\n 7.7 Prizes.<\/strong> There will be 3 winners. One winner will receive one pair of Apple AirPods 5 (with a retail value of S$219).The second winner will receive one Apple HomePod Mini 2 (with a retail value of S$199). The third winner will receive one Apple Watch SE 3 (with a retail value of S$349).<\/p>\n\n\n\n 7.8 The draw.<\/strong> The Lucky Draw will be conducted electronically, online, by Syfe on or before 31 March 2027, after the Entry Cut-off (the \u201cDraw Date\u201d). Winners will be selected via an electronic random draw. Syfe\u2019s records of entries are final.<\/p>\n\n\n\n 7.9 Announcement and notification.<\/strong> Syfe will announce the winners on this page within 14 Business Days after the Draw Date. Winners will be identified by masked name and masked Syfe account number only (for example, \u201cJ*** T**, account ending ****4821\u201d). Syfe will also notify each winner by email, at the email address registered with their Syfe account, within 14 Business Days after the Draw Date.<\/p>\n\n\n\n 7.10 One client can win only one prize. If a client is drawn for all three prizes, the second and third prize will be drawn again.<\/p>\n\n\n\n 7.11 Contacting winners.<\/strong> To be eligible to receive a prize, a winner must be subscribed to, or must accept, Syfe communications. Syfe will make reasonable efforts to contact winners using the contact details on their Syfe account. Syfe is not liable if a winner cannot be reached, including where the winner has unsubscribed from Syfe communications, their contact details are incorrect or outdated, or messages are blocked or filtered. A winner who has not subscribed to or accepted Syfe communications is not entitled to a prize on that basis.<\/p>\n\n\n\n 7.12 Forfeiture.<\/strong> A winner who does not reply to Syfe within 14 Business Days of Syfe\u2019s first attempt to contact them, or who cannot be contacted despite Syfe\u2019s reasonable efforts, forfeits the prize. Syfe may then select a replacement winner by the same electronic random draw.<\/p>\n\n\n\n 7.13 Prize conditions.<\/strong> Prizes cannot be changed, exchanged, transferred or redeemed for cash or any other item. Winners are responsible for any taxes that apply to their prize.<\/p>\n\n\n\n 7.14 Collection.<\/strong> Prizes are available for self-collection only, at the Syfe office at 8 Cross St, #21-01\/02 Manulife Tower, Singapore 048424. Syfe will not arrange or schedule delivery of any prize to any address, and will not bear any courier or other delivery costs. Syfe will notify the winner by email of the collection arrangements, and the prize must be collected by the Collection Deadline.<\/p>\n\n\n\n 7.15 Verification.<\/strong> A winner must present valid identification at the point of collection. Syfe may refuse to release a prize where the winner\u2019s identity or eligibility cannot be verified, or where the winner\u2019s Syfe account is not in good standing at the time of collection.<\/p>\n\n\n\n 7.16 Collection by a third party.<\/strong> A winner may arrange for another person to collect the prize on the winner\u2019s behalf, at the winner\u2019s own risk and cost, subject to Syfe\u2019s verification requirements, including authorisation from the winner. The winner may also arrange their own onward delivery after collection. Syfe is not responsible for the condition of the prize, or for any loss or damage, once the prize has left the Syfe office.<\/p>\n\n\n\n 7.17 Unclaimed prizes.<\/strong> A prize not collected by the Collection Deadline is forfeited. Syfe may then select a replacement winner by the same electronic random draw, or may withdraw the prize, at its discretion. Syfe is not responsible for any prize not collected by the Collection Deadline. The winner assumes all risks associated with the prize upon collection.<\/p>\n\n\n\n 7.18 Substitution.<\/strong> If a prize cannot be provided due to unavailability, discontinuation, supply constraints or any other reason beyond Syfe\u2019s control, Syfe will substitute it with a prize of equal value, at Syfe\u2019s sole discretion.<\/p>\n\n\n\n 7.19 Records.<\/strong> Syfe will keep accurate records of the Lucky Draw for at least 5 years.<\/p>\n\n\n\n 8. Forfeiture and Disqualification<\/strong><\/p>\n\n\n\n 8.1 Syfe may withhold, withdraw or reclaim any reward, and may disqualify a client from the Promotion, if it finds or reasonably suspects that the client: 8.2 Syfe\u2019s determination of eligibility, Net Deposit, entries and winners is final.<\/p>\n\n\n\n 9. Important Information<\/strong><\/p>\n\n\n\n 9.1 This Promotion is not investment advice, and is not a recommendation to buy or sell any investment product. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.<\/p>\n\n\n\n 9.2 Rewards under this Promotion do not guarantee any investment return.<\/p>\n\n\n\n 9.3 Syfe may change, suspend or end this Promotion, or amend these Terms and Conditions, at any time without prior notice. The updated terms will be published on Syfe\u2019s website.<\/p>\n\n\n\n 10. Data Protection<\/strong><\/p>\n\n\n\n 10.1 By participating, you consent to Syfe collecting, using and disclosing your personal data for the purposes of running the Promotion, including verifying eligibility, conducting the Lucky Draw, contacting winners, delivering prizes, and record-keeping, in accordance with Syfe\u2019s Privacy Policy and applicable data protection laws.<\/p>\n\n\n\n 10.2 By participating, you consent to a masked version of your name and Syfe account number being published on this page if you are a winner.<\/p>\n\n\n\n 11. General<\/strong><\/p>\n\n\n\n 11.1 If these Terms and Conditions conflict with your customer agreement, these Terms and Conditions prevail for the purposes of this Promotion.<\/p>\n\n\n\n 11.2 A person who is not a party to these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of their terms.<\/p>\n\n\n\n 11.3 These Terms and Conditions are governed by the laws of Singapore. The courts of Singapore have exclusive jurisdiction over any dispute arising from the Promotion.<\/p>\n\n\n\n 12. Release<\/strong><\/p>\n\n\n\n By participating in the Promotion, client assumes all risk of injury, illness, disease, death, or any other damage which may arise in connection with their participation in the Promotion. Without limiting the foregoing, client hereby:(a) forever releases and discharges Syfe and its parent companies, subsidiaries, affiliates, related and associated entities and employees, directors, officers, suppliers, agents, sponsors and administrators of each (collectively, the \u201cReleasees\u201d), 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 \u201cClaims\u201d) in any way arising directly or indirectly out of any injury, loss, or damage that Client may suffer as a result of, or in connection with the participation in the Promotion or any promotion-related activity, including the use of the Reward; and (b) indemnifies, defends and holds harmless the Releasees from and against any and all damages, loss and expenses, including legal fees, which may be suffered directly or indirectly by reason of the Client\u2019s own negligence or willful misconduct during or in connection with the participation in the Promotion.<\/p>\n\n\n\n 13. Reservation of Rights<\/strong><\/p>\n\n\n\n Syfe reserves the right to amend, withdraw, or restrict the promotion at any time without notice. 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 terms, Syfe reserves the right to remove all promotions and take any other action it deems appropriate including, but not limited to, removing the Reward retail value from the client(s) account) or closing the client(s) account.<\/p>\n\n\n\n 14. Disclaimers<\/strong><\/p>\n\n\n\n This content is intended solely to provide general information only and should not be viewed as financial advice, and also 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 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 financial advice through a financial advisor or the Syfe platform and independent legal, accounting, regulatory, or tax advice, where appropriate and\/or necessary.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n
(a) have never deposited funds into any Syfe product, including Managed Portfolios, Cash Management, SRS, Brokerage and Private Wealth, as at the time the Promo Code is applied (an unfunded, new-to-Syfe client)
(b) hold a registered Syfe account and have completed the KYC process;
(c) be a legal resident of Singapore and at least 18 years old;
(d) apply the Promo Code before making the Qualifying Deposit; and
(e) meet all other requirements in these Terms and Conditions.<\/p>\n\n\n\nOffer<\/th> Vertical<\/th> Minimum Qualifying Deposit<\/th> Holding Period<\/th> Reward<\/th><\/tr><\/thead> 1. Management fee waiver<\/td> Wealth<\/td> S$100<\/td> 30 days<\/td> 3 months of management fees waived, on the first S$5,000<\/td><\/tr> 2. Trading fee credit<\/td> Brokerage<\/td> S$50<\/td> 30 days<\/td> S$50 trading fee credit, valid for 30 days<\/td><\/tr> 3. Apple Lucky Draw<\/td> Wealth or Brokerage<\/td> S$10<\/td> 30 days<\/td> Draw entries; 3 winners<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
(b) S$50 or more into Brokerage only: Offers 2 and 3.\u00a0
(c) S$100 or more into Wealth and S$50 or more into Brokerage, each as a single lump sum: Offers 1, 2 and 3.\u00a0
(d) Less than the minimums above but at least S$10 into either Vertical: Offer 3 only.<\/p>\n\n\n\n
(a) 1 entry for the first S$10 of the Qualifying Deposit; and
(b) 1 additional entry for every subsequent S$50 of the same single lump sum.<\/p>\n\n\n\nEntries<\/th> Brokerage single lump sum<\/th> Wealth single lump sum<\/th><\/tr><\/thead> 1<\/td> S$10 to S$59<\/td> S$10 to S$59<\/td><\/tr> 2<\/td> S$60 to S$109<\/td> S$60 to S$109<\/td><\/tr> 3<\/td> S$110 to S$159<\/td> S$110 to S$159<\/td><\/tr> +1<\/td> Each further S$50<\/td> Each further S$50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
(a) has not met these Terms and Conditions;
(b) has provided false or misleading information;
(c) has opened or used multiple accounts to claim the Promotion more than once; or
(d) has abused, manipulated or tried to manipulate the Promotion.<\/p>\n\n\n\n