OUR TRUST PRINCIPLES
Three principles. One pledge. Everything we build runs through this filter. If a feature doesn't pass it, the feature doesn't ship.
PDPA COMPLIANT · ADVISOR-LED · WE DON'T SELL PRODUCTS
THE PRINCIPLES
PRINCIPLE 01
We earn when you win. Our recommendations are ranked by what's best for you, not by who pays us the most.
f1gures is not owned by a bank, an insurer, or a product manufacturer. We don't take placement fees that change what we show you. When we connect you to a partner, the partner competes for your business. The terms benefit you, not us.
This stays true even as we grow. Same data. Same scoring. No favourites.
PRINCIPLE 02
Personalised financial decisions run through licensed professionals in your planning circle. We give you and your advisor the tools and the intelligence. Your advisor brings the judgement and the accountability.
This is how Singapore's regulatory framework intends financial advice to work. It's also how good financial outcomes actually happen. Software spots patterns. People weigh trade-offs. Both, together.
You can use f1gures without an advisor. You'll get isolated planning tools and benchmarks. You won't get personalised recommendations. That line is deliberate.
PRINCIPLE 03
We collect what we need to give you insight. We categorise. We personalise. We predict. We never sell your data.
Partners never see raw account information. When we connect you with a partner, we make an introduction. We don't hand over your file. They see you when you're ready to meet them, and not before.
Our default is to hold less, not more. New data sources are added when they make recommendations meaningfully better, not because they're available.
YOUR CHOICES
CHOICE 01
Some of f1gures' most useful insights, like peer benchmarking, cohort comparisons, and "what users like you are doing differently", only exist because users contribute their anonymised data to the aggregate pool. This works two ways. Opt in, and you get access to those analytics views. Opt out, and your data stays out of the pool, and the analytics stay out of reach. You can change your mind anytime. The platform's other functions, your dashboard, your roadmap, your goals, are unaffected by this choice.
CHOICE 02
You decide whether you want to be introduced to our partner network. If you opt out, f1gures still shows you recommendations, benchmarks, and roadmaps. We just won't connect you to vetted partners until you say so. If you opt in, we'll surface partner introductions when relevant to your situation, with member benefits negotiated on your behalf.
CHOICE 03
Independent of the choices above, you can export your data, delete your account, or withdraw consent for any specific use. Anytime. PDPA gives you these rights. We'd give them to you 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. Four streams, each with the lines we won't cross.
STREAM 01
Licensed advisors pay to use the f1gures advisor platform. The intelligence layer, the workflow tools, the client management. This is our largest revenue line.
The line we won't cross: we will never charge an advisor more to have a product ranked higher, and we will never sell placement in a recommendation. What an advisor pays buys the workspace, and nothing about what it shows.
STREAM 02
Vetted financial institutions and product partners pay to be part of the f1gures partner network. They pay for access to the platform, not for placement. Where they appear in your recommendations is determined by fit with your situation, not by what they pay us.
The line we won't cross: a partner who stops being a good fit for you stops appearing, whatever they are paying. We will not keep a product in front of you because losing the fee would hurt.
STREAM 03
Partners in our network share a portion of the revenue they earn through f1gures. This is what sustains the partner network. Two commitments protect you here.
The share is the same across all partners in the same product category. It can never influence which partner we recommend to you.
We do not accept placement fees. Partners cannot pay to appear higher in your recommendations.
The line we won't cross: we do not accept placement fees, and the share is identical across every partner in a category. The user's interests determine the recommendation. The share determines whether we can keep operating.
STREAM 04
We work with financial institutions and agencies on aggregate, anonymised insights about Singapore's financial landscape. How household financial behaviour is changing. Where market gaps exist. What products are actually serving people, and what isn't.
This is also where we use our data to push back. We share findings with institutions about product designs that don't serve customers well, and where the national financial system is wasting resources on things people don't want. The data lets us speak with evidence, not opinion.
The line we won't cross: we never share, sell, or analyse individual user data for these engagements, and we will never sell anything that could be re-identified as you. Your file stays yours. The analytics speak in patterns, not in profiles. If we cannot anonymise something properly, we do not sell it.
Our incentives are simple. We don't earn more when you choose Partner A over Partner B. We don't earn from showing you ads, selling your data, or keeping you on the platform longer. We earn when you act on the right financial moves for your situation, and our partners pay us a share of the revenue you create together. That share is the same across partners in any category. The work that matters most for our revenue is the work that matters most for your life.
THE INFRASTRUCTURE
We're not built on scraped data. Some of this is live today, some is signed and not shipped, and some is neither. Each one says which.
SOURCE 01
Singapore's data protection law, fully enforced. We use your data only for purposes you've agreed to. You can withdraw at any time.
SOURCE 02
Real car transaction prices, property transaction data, and government financial data. Live today, which is why the property and car numbers in the product are prices rather than estimates.
SOURCE 03
Live mortgage and investment feeds from licensed financial 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 here the day the integration is signed, and not a day before.
TALK TO US
Privacy questions, data export requests, deletion, or anything else about how we handle your information. A real person reads every message.
DATA & PRIVACY
Questions about how we handle your data, what we collect, and what we don't.
DATA PROTECTION
Formal data protection requests, exports, or deletion. Reaches our Data Protection Officer.
GENERAL
Anything else. We read every message.