⚠ Disclaimer

We strive to provide the most accurate and up-to-date information regarding Singapore financial exams. However, regulatory details may change over time. Always verify exam rules with the relevant authorities (IBF, SCI, or MAS). Our practice materials are 100% original and are not affiliated with IBF, SCI, or MAS.

1. No Affiliation 
These materials are independently created by RealisedGains. We are not affiliated with, endorsed by, or approved by the Institute of Banking & Finance (IBF), Singapore College of Insurance (SCI), or the Monetary Authority of Singapore (MAS).

2. Intellectual Property
All content, including question banks and cheat sheets, is the original copyrighted work of RealisedGains.

3. Educational Use Only 
These materials are for practice purposes only. There is no pass guarantee. Candidates should always use the official IBF/SCI study guides as their primary reference source.

4. Copyright & Usage Strictly Prohibited

Do not copy, distribute, resell, or share these materials. Unauthorized distribution is a violation of Singapore’s Copyright Act 2021. We track account usage to prevent sharing.

5. Limitation of Liability
RealisedGains is not liable for your exam results, interpretation of materials, or consequences of misuse.

6. Refund Policy
Due to the digital nature of the product (instant access), all sales are final. No refunds will be issued once the materials have been accessed. Refunds are not issued for failure to pass the exam or for violations of our terms.