Disclaimer

Last updated: 29 August 2026

1. Not a Licensed Estate Agent

SOLO is a technology platform, not a licensed estate agent, real estate broker, or property consultant under the Estate Agents Act 2010 (Cap. 95A) of Singapore. SOLO does not owe any fiduciary, agency, advisory, or brokerage duties to any user. We do not:

(a) Perform estate agency work as defined under the Estate Agents Act 2010;

(b) Represent, act for, or negotiate on behalf of any buyer, seller, or agent;

(d) Submit documents or applications to HDB, URA, or any government body on behalf of any user;

(e) Guarantee the outcome of any property transaction, negotiation, or viewing.

CEA-licensed property agents who use the Platform do so independently and are solely responsible for compliance with the Estate Agents Act 2010, its subsidiary legislation, and all applicable CEA codes of practice and professional standards including CEA advertising guidelines. SOLO does not supervise, regulate, or assume responsibility for the professional conduct of any agent using the Platform. Any complaint regarding an agent's professional conduct should be directed to the Council for Estate Agencies at cea.gov.sg.

2. Verification Disclaimer

The verified status and badges displayed on the Platform indicate that SOLO has confirmed a user's identity through Singpass MyInfo at the time of onboarding and has performed reasonable cross-referencing of listed property details against publicly available records. This process is a reasonable verification measure only and is not a substitute for official title or ownership verification.

Verification does not mean that:

(a) The property is free from encumbrances, caveats, mortgages, or legal claims;

(b) The seller or agent has genuine intention to complete a transaction;

(c) Any document submitted to SOLO has been independently authenticated or is free from forgery or alteration. SOLO reviews documents as an administrative platform integrity measure only and is not a licensed document authentication authority;

(d) Any CEA-licensed agent is currently in good standing with CEA or holds a currently valid licence. SOLO verifies CEA registration at the time of onboarding only. Subsequent licence revocation or suspension is not automatically reflected on the Platform;

(e) The transaction is safe to proceed without independent legal and financial due diligence.

Users should not rely solely on information displayed on the Platform when making property, financial, or legal decisions.

3. Market Data Disclaimer

The Platform displays HDB resale transaction data sourced from data.gov.sg and private residential property transaction data sourced from ura.gov.sg, both publicly available government datasets. While we endeavour to ensure the accuracy of this data:

(a) Transaction data may not reflect the most recent transactions due to government publication delays;

(b) Transaction data is provided for general reference only and does not constitute a professional valuation, appraisal, or market assessment;

(d) For private residential property, PSF-based comparisons are provided as general guidance only. Actual market value depends on factors including unit condition, floor level, facing, renovation, and current market conditions which the Platform does not assess;

(e) Users should engage a licensed valuer or qualified property professional for an accurate and professional assessment of property value. Market data displayed on the Platform must not be the sole basis for any pricing or purchase decision.

4. Transaction Timeline Disclaimer

The Transaction Timeline Dashboard provided on the Platform:

(a) Displays estimated milestone deadlines based on publicly available HDB guidelines for HDB transactions, and general conveyancing practice timelines for private residential transactions;

(b) Is provided as an organisational convenience tool only and does not constitute legal advice;

(d) Contains estimated deadlines that may differ from actual deadlines as determined by HDB or relevant authorities at the point of application;

(e) Includes automated reminders provided as a convenience only. Users remain solely and entirely responsible for meeting all official deadlines regardless of whether a reminder is sent, received, or read;

(f) Does not relieve users of their independent obligation to monitor and meet all applicable transaction deadlines;

(g) Is not a substitute for direct communication between transaction parties, their solicitors, or with HDB and other relevant authorities.

For private residential property transactions including condominium resale, estimated milestone deadlines are based on general conveyancing practice and publicly available information. They do not constitute legal advice. Users conducting private property transactions are strongly advised to engage qualified conveyancing solicitors to manage all legal aspects and official timelines.

5. Off-Platform Activity Disclaimer

SOLO facilitates initial connections between buyers, sellers, and agents. Once parties communicate or transact outside the Platform, SOLO has no visibility into, control over, or responsibility for any such communications, agreements, representations, payments, or conduct. SOLO is not liable for any fraud, financial loss, personal harm, or dispute arising from off-platform activity including money transfers, verbal or written agreements, or identity fraud conducted outside the Platform.

5A. Rental Listings Disclaimer

SOLO is not a party to any tenancy. Rent, deposit terms, availability, furnishing, and tenant preferences shown on the Platform are supplied by the landlord or their appointed CEA-licensed agent and are not verified by SOLO.

SOLO does not assess or confirm whether a property may lawfully be rented out, whether the Minimum Occupation Period for renting out an HDB flat has been met, whether HDB approval or registration has been obtained, whether the non-citizen quota permits a particular tenant, or whether any occupant holds a valid pass or right to reside in Singapore. Landlords, tenants, and agents are solely responsible for those checks, for the tenancy agreement, and for all monies exchanged. Nothing on the Platform is tenancy, immigration, tax, or legal advice.

5B. SOLO Jumpstart Disclaimer

SOLO Jumpstart is an optional convenience for CEA-licensed agents who choose to enable it. Where enabled, SOLO may prepare unpublished draft listings inside the agent's own account using information the agent supplies and factual, publicly available property information. SOLO does not copy descriptions, photographs, or other creative content from third-party property portals.

Enabling Jumpstart creates no obligation on SOLO. SOLO does not promise to prepare any draft, any number of drafts, any particular property, within any timeframe, or to any standard of accuracy or completeness, and may decline, pause, change, or withdraw the service at any time without notice.

SOLO never publishes a Jumpstart draft. The agent must review and correct every field, confirm owner consent, set viewing availability, and submit the listing. On submission the agent adopts the content as their own and is solely responsible for its accuracy, for owner consent, for CEA advertising compliance, and for the rights in any material they supplied.

6. EIP and Eligibility Disclaimer

The Platform displays Ethnic Integration Policy (EIP) and SPR quota eligibility information based on publicly available HDB data and the seller's declared ethnicity. This information is provided as a general guide only:

(a) Final EIP and SPR quota eligibility is determined by HDB at the point of resale application;

(b) EIP quota information on the Platform may not reflect real-time changes in quota status;

(d) Buyers are advised to verify all eligibility information directly with HDB before proceeding with any transaction.

7. AI-Generated Content Disclaimer

The Platform uses AI technology powered by Google Gemini API to generate property descriptions, analyse listing photographs, suggest chat replies, provide market insights commentary, and generate location summaries. AI-generated content:

(a) Is provided as a starting point only and may contain inaccuracies, errors, omissions, or outdated information;

(b) May omit material property information or generate statements that are inaccurate, incomplete, or non-compliant with applicable advertising regulations including CEA advertising guidelines;

(d) Must be reviewed and verified by the user before publication or reliance. By publishing AI-generated content, the user confirms it is accurate, not misleading, and compliant with all applicable laws and regulations;

(e) May vary in availability. If Google Gemini API or any other AI service is unavailable due to an outage or other cause, AI features on the Platform will be unavailable. SOLO is not liable for any inconvenience or loss arising from the unavailability of AI features.

SOLO is not liable for any loss or damage arising from reliance on AI-generated content. Users who act on AI-generated content including pricing guidance, eligibility information, or market commentary do so entirely at their own risk.

8. Mortgage Calculator Disclaimer

The mortgage and affordability calculator on the Platform produces estimates only based on user-inputted values and standard assumptions. All figures including downpayment estimates, monthly instalment projections, CPF usage estimates, and stamp duty calculations are approximations. Actual loan eligibility, interest rates, CPF withdrawal limits, and applicable stamp duties are determined by the relevant financial institution, HDB, CPF Board, or IRAS and may differ significantly from calculator estimates. Calculator outputs do not constitute financial advice. Users must not rely solely on calculator outputs when making any financial or purchasing decision. SOLO is not liable for any financial loss arising from reliance on calculator estimates.

9. Third-Party Services Disclaimer

The Platform integrates third-party services including Google Gemini API, Twilio, Supabase, Singpass MyInfo, Resend, and PostHog. SOLO is not responsible for any failure, outage, degradation, or interruption of these third-party services. The Platform may contain links to third-party websites including the HDB Resale Portal, URA, and OneMap. SOLO is not responsible for the content, privacy practices, or availability of third-party sites.

10. No Warranty

The Platform is provided on an "as is" and "as available" basis. SOLO makes no warranties, express or implied, regarding:

(a) The accuracy, completeness, or timeliness of any information on the Platform;

(b) The availability or uninterrupted operation of the Platform or any AI-powered feature;

(d) The conduct, identity, financial standing, or reliability of any user.

11. Limitation of Liability

To the fullest extent permitted by Singapore law, SOLO's total aggregate liability to any user for any claim arising from use of the Platform shall not exceed SGD 100.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot be excluded under Singapore law.

12. Professional Advice

Users are strongly advised to seek independent professional advice before entering into any property transaction, including:

(a) Conveyancing solicitors, for all legal aspects of property transactions;

(b) Licensed valuers, for professional property valuations;

(d) HDB directly, for eligibility, policies, and procedural queries (visit hdb.gov.sg or call 1800-866-3066);

(e) URA directly, for private property regulations and policies (visit ura.gov.sg);

(f) Council for Estate Agencies (CEA), for queries about agent conduct or complaints (visit cea.gov.sg);

(g) Personal Data Protection Commission (PDPC), for data protection related concerns (visit pdpc.gov.sg).

13. Governing Law

This Disclaimer is governed by the laws of the Republic of Singapore.

14. Contact

Email: legal@solo.sg UEN: 202607912K