TERMS OF USE

Decidr | chunera.sg
Effective Date: 30 September 2026

DEFINITIONS

In these Terms of Use:

"Decidr", "we", "us", or "our" refers to the property decision advisory practice owned and operated by John Koh (CEA Reg. No. R002315B), a licensed real estate salesperson under PropNex Realty Pte Ltd (CEA Licence No. L3008022J).

"You" or "user" refers to any person accessing or using chunera.sg and its associated tools, forms, and content.

"Decision System" refers collectively to the Upgrade Readiness Index™ (URI™), R.I.S.E™ Framework, New Launch Navigator Index™, and Exit Strategy Blueprint™.

By accessing or using chunera.sg, you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of this website immediately.

1. GENERAL USE

  1. The content of this website is for general informational and educational purposes only.
    It is subject to change without notice.
  2. Decidr reserves the right to modify, suspend, or discontinue any part of this website at any time without prior notice or liability.
  3. This website uses cookies to enhance your experience and analyse site traffic.
    By continuing to use this website, you consent to our use of cookies in accordance with our Cookie Policy at chunera.sg/cookie-policy.

2. DISCLAIMER OF WARRANTIES

  1. All information, tools, assessments, and content on this website are provided on an "as is" basis without any warranty or guarantee — express or implied — as to accuracy, completeness, timeliness, or fitness for any particular purpose.
  2. Your use of any information or tools on this website is entirely at your own risk. Decidr shall not be liable for any loss or damage arising directly or indirectly from such use.
  3. Decidr makes reasonable efforts to ensure content accuracy but does not guarantee that this website is free from errors, omissions, or technical faults.

3. FINANCIAL ASSESSMENT DISCLAIMER

  1. The Upgrade Readiness Index™ (URI™) and all other assessment tools on this website are designed for educational and decision-support purposes only.
  2. Assessment scores are generated based on self-reported information provided by you. Decidr does not verify the accuracy of information submitted through any form or quiz on this website.
  3. Assessment results, scores, scenario models, and advisory recommendations produced through any Decidr tool or advisory session do not constitute:
    1. Regulated financial advice under the Financial Advisers Act (Cap. 110) of Singapore
    2. Legal advice
    3. Tax advice
    4. A guarantee of any property transaction outcome
  4. Property decisions involve significant financial, legal, and market risks. You are strongly encouraged to seek independent professional advice — including from a licensed financial adviser, lawyer, and mortgage specialist — before making any property decision.
  5. Past performance of any property market, project, or strategy referenced on this website does not guarantee future results.

4. CEA COMPLIANCE

  1. John Koh (CEA Reg. No. R002315B) is a licensed real estate salesperson registered under PropNex Realty Pte Ltd (CEA Licence No. L3008022J) and operates in compliance with the Estate Agents Act and CEA regulations.
  2. All property transaction services are provided in accordance with CEA requirements. Property advisory services described on this website are provided as part of John Koh's licensed real estate practice under PropNex Realty Pte Ltd.
  3. Nothing on this website constitutes an offer or representation made by PropNex Realty Pte Ltd unless explicitly stated.

5. INTELLECTUAL PROPERTY

  1. All content on this website — including but not limited to text, design, layout, graphics, data, and code — is owned by or licensed to Decidr and is protected by applicable intellectual property laws.
  2. The following are proprietary brands and frameworks owned by John Koh:
    • Decidr™
    • Upgrade Readiness Index™ (URI™)
    • R.I.S.E™ Framework
    • New Launch Navigator Index™
    • Exit Strategy Blueprint™
    • The Upgrade Strategist™
    • Engineering Better Property Decisions™
    • Downside-First Decision Engineering™
  3. No part of this website or any proprietary framework, methodology, scoring system, or content may be reproduced, copied, distributed, modified, reverse-engineered, or used for commercial purposes without the prior written consent of Decidr.
  4. Unauthorised reproduction or use of Decidr's proprietary frameworks or content may give rise to legal action for damages and/or constitute a criminal offence.
  5. All trademarks of third parties referenced on this website remain the property of their respective owners.

6. USER-SUBMITTED CONTENT AND DATA

  1. By submitting information through any form, quiz, or assessment tool on this website, you confirm that:
    1. The information provided is accurate to the best of your knowledge
    2. You are authorised to submit such information
    3. You consent to Decidr using that information to generate your assessment results and
      provide advisory services
  2. Decidr will handle all personal data submitted through this website in accordance with our Privacy Policy at chunera.sg/privacy-policy and the Personal Data Protection Act 2012 of Singapore (PDPA).
  3. Assessment responses submitted through the URI™ quiz are self-reported estimates only.
    Decidr does not independently verify the accuracy of submitted data and accepts no liability for assessment results generated from inaccurate or incomplete information.

7. LINKS TO THIRD-PARTY WEBSITES

  1. This website may contain links to third-party websites for your convenience. These links do not
    constitute an endorsement of those websites or their content.
  2. Decidr has no control over and accepts no responsibility for the content, privacy practices, or
    availability of any third-party website.
  3. Your use of any third-party website is at your own risk and subject to that website's own terms
    and conditions.

8. LIMITATION OF LIABILITY

  1. To the fullest extent permitted by Singapore law, Decidr shall not be liable for any direct, indirect,
    incidental, consequential, or special damages arising from:
    1. Your use of or inability to use this website
    2. Any reliance on information, tools, or assessments provided on this website
    3. Any property transaction decision made in connection with advisory services provided
      through this website
    4. Any technical faults, errors, or interruptions to this website
  2. Nothing in these Terms limits liability for fraud, personal injury, or death caused by negligence, or
    any other liability that cannot be excluded by law.

9. GOVERNING LAW AND JURISDICTION

  1. These Terms of Use and any dispute arising from your use of this website are governed by the
    laws of Singapore.
  2. You agree to submit to the exclusive jurisdiction of the Singapore courts in connection with any dispute arising from these Terms or your use of this website.

10. AMENDMENTS

  1. Decidr reserves the right to update these Terms of Use at any time. Updated terms take effect immediately upon posting to this page.
  2. Your continued use of this website after any amendment constitutes your acceptance of the updated Terms of Use.
  3. We recommend reviewing this page periodically.

11. CONTACT

For questions regarding these Terms of Use:

John Koh
CEA Reg. No. R002315B
PropNex Realty Pte Ltd

Email: john.koh@chunera.sg
Website: chunera.sg
WhatsApp: +65 8991 3881

These Terms of Use apply to chunera.sg only and not to any third-party platforms or PropNex Realty Pte Ltd's own terms.

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