OUR TRUST PRINCIPLES
Three principles. One pledge. A feature that doesn't pass them doesn't ship.
PDPA COMPLIANT · ADVISOR-LED · WE DON'T SELL PRODUCTS
THE PRINCIPLES
PRINCIPLE 01
We earn when you win. Recommendations are ranked by what's best for you, not by who pays us.
No bank, insurer or product manufacturer owns us, and we take no placement fees. Partners compete for your business.
This holds as we grow. Same data. Same scoring. No favourites.
PRINCIPLE 02
Personalised decisions run through a licensed advisor in your planning circle. We bring the intelligence. Your advisor brings the judgement and the accountability.
It is how Singapore intends advice to work.
Without an advisor you get the tools and the benchmarks, but not personalised recommendations. That line is deliberate.
PRINCIPLE 03
We collect what we need to give you insight. We never sell your data, and we will never sell anything that could be re-identified as you.
Partners never see raw account information. We make an introduction, not a handover. They meet you when you're ready.
We hold less by default. A new source is added when it makes recommendations better, not because it exists.
YOUR CHOICES
CHOICE 01
Benchmarks and cohort comparisons exist only because users pool anonymised data. Opt in and you see them; opt out and both stay out. Your dashboard, roadmap and goals are unaffected.
CHOICE 02
You decide whether we introduce you to our partner network. Opt out and you keep everything else. Opt in and introductions come when they are relevant.
CHOICE 03
Either way, export your data, delete your account or withdraw consent, anytime. PDPA gives you these rights. We'd give them anyway.
THE PLEDGE
f1gures does not sell financial products.
f1gures does not earn more when you buy a particular product.
f1gures is the map, not the shop.
When you are ready to act, we will connect you with vetted partners who compete for your business, on terms that benefit you, not us.
HOW WE MAKE MONEY
We're a business, not a charity. Here's where our revenue comes from. Three streams, each with the lines we won't cross.
STREAM 01
Licensed advisors pay to use the f1gures platform: the intelligence layer, the workflow tools, the client management.
The line we won't cross: we will never charge an advisor to rank a product higher. What an advisor pays buys the workspace, not what it shows.
STREAM 02
Vetted institutions and product partners pay to join the network, for access rather than placement. Where they appear is determined by fit with your situation.
The line we won't cross: a partner who stops fitting you stops appearing, whatever they pay. A fee is never a reason to keep a product in front of you.
STREAM 03
Partners share a portion of the revenue they earn through f1gures. That is what sustains the network.
The line we won't cross: we take no placement fees, and the share is identical across every partner in a category. It never decides what we recommend.
We don't earn from ads, and we don't earn from your data. The work that matters most for our revenue is the work that matters most for your life.
THE INFRASTRUCTURE
Not scraped data. Some is live, some is signed and not shipped, some is neither. Each says which.
SOURCE 01
Singapore's data protection law, fully enforced. Your data is used only for purposes you agreed to, and you can withdraw anytime.
SOURCE 02
Real car and property transaction prices, and government financial data. Live today, which is why those numbers are prices rather than estimates.
SOURCE 03
Mortgage and investment feeds from licensed institutions, plus direct account and policy connections with a bank and an insurer. In progress.
SOURCE 04
A core piece of singapore's national financial data infrastructure. We will name it the day the integration is signed, not before.
TALK TO US
Privacy questions, exports, deletion, or anything else about your information. A real person reads every message.
DATA & PRIVACY
How we handle your data, and formal requests to export or delete it. Reaches our Data Protection Officer.
GENERAL
Anything else. We read every message.