Terms of use

1. About MINT and Anthola

MINT is a luxury watch insurance platform designed for collectors and dealer-referred clients.

Insurance services offered or facilitated via the Platform are arranged and administered by Anthola Brokers Pte. Ltd., a licensed general insurance broker regulated by the Monetary Authority of Singapore (MAS) under business registration number 202128777G.

Anthola Brokers Pte. Ltd. (“Anthola”, “we”, “us”, or “our”) operates and distributes insurance products marketed under the MINT brand.

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2. Nature of the Platform

MINT is a watch insurance platform designed to provide access to specialised insurance solutions for timepieces and collectibles.

Access to insurance coverage may be made available through one or more of the following channels, depending on the prevailing offering structure at the time:

• referrals from approved watch dealers or partners;
• invitations issued by MINT or Anthola; and/or
• direct applications submitted via the Platform.

Submission of information or use of the Platform does not guarantee acceptance, insurance coverage, or policy issuance.

All insurance coverage remains subject to:

• underwriting assessment;
• the insurer’s policy terms, conditions, exclusions, and endorsements; and
• final acceptance by the insurer.

MINT and Anthola reserve the right to modify access methods, eligibility criteria, or participation requirements at any time.

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3. No Insurance Advice

The information on this Platform is provided for general informational purposes only.

Nothing on the Platform constitutes:

• legal advice,
• financial advice, or
• a binding offer of insurance.

Anthola acts as an insurance intermediary. We do not provide legal, tax, accounting, or regulatory advice. You should seek independent advice where appropriate.

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4. Eligibility and User Obligations

By using the Platform, you represent that:

• you are at least 18 years old;
• all information you provide is accurate, complete, and truthful;
• you have authority to provide information relating to any insured item or third party;
• you will promptly notify us of any material changes.

Failure to provide accurate or complete information may result in:

• refusal of coverage,
• cancellation of policies, or
• rejection of claims.

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5. Insurance Coverage and Policies

All insurance policies arranged via the Platform are governed solely by:

• the insurer’s policy wording,
• endorsements, exclusions, and conditions,
• applicable laws and regulations.

In the event of any inconsistency between information on the Platform and the insurance policy, the policy wording prevails.

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6. Claims

Claims must be notified promptly in accordance with the applicable policy terms.

You must not:

• admit liability,
• agree to settlements, or
• incur material expenses,

without insurer consent, except for emergency loss mitigation.

Anthola will assist in the claims process but does not guarantee claim approval or settlement timelines, which are subject to insurer determination.

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7. Fees, Premiums, and Payments

Insurance premiums, fees, taxes, and charges will be disclosed prior to binding coverage.

Payment terms are governed by:

• the insurer’s requirements,
• Anthola’s debit notes, and
• applicable regulatory frameworks.

Failure to pay premiums on time may result in:

• suspension of coverage,
• automatic termination, or
• claims being placed on hold.

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8. Intellectual Property

All content on the Platform, including text, designs, logos, graphics, and materials, is owned by or licensed to Anthola or its partners.

You may not:

• copy,
• reproduce,
• distribute,
• modify, or
• commercially exploit

any content without prior written consent.

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9. Prohibited Use

You agree not to:

• misuse the Platform for unlawful purposes;
• submit false or misleading information;
• attempt to interfere with platform security or operations;
• use the Platform to solicit, spam, or harass others;
• represent yourself as an agent or partner of MINT or Anthola without authorisation.

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10. Privacy and Data Protection

Your use of the Platform is subject to our:

• Privacy Policy
• Data Protection Notice

By using the Platform, you consent to the collection, use, and disclosure of personal data in accordance with Singapore’s PDPA.

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11. Limitation of Liability

To the fullest extent permitted by law:

• Anthola shall not be liable for indirect, incidental, consequential, or special losses;
• total liability arising from use of the Platform shall not exceed SGD 1 million per policy arranged, where applicable;
• nothing excludes liability for death, personal injury, fraud, or regulatory obligations.

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12. Third-Party Links and Content

The Platform may contain links to third-party websites or services.

Anthola is not responsible for:

• third-party content,
• availability,
• accuracy, or
• practices.

Accessing third-party services is at your own risk.

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13. Suspension and Termination

We may suspend or terminate access to the Platform at any time if:

• these Terms are breached;
• information provided is inaccurate or misleading;
• required by law or regulators.

Termination does not affect existing policy obligations unless stated otherwise.

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14. Amendments

We may update these Terms from time to time without prior notice.

Continued use of the Platform constitutes acceptance of the updated Terms.

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15. Governing Law and Jurisdiction

These Terms are governed by the laws of Singapore.

You agree to submit to the exclusive jurisdiction of the courts of Singapore.

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16. Contact Us

For questions regarding these Terms:

Anthola Brokers Pte. Ltd.

7500A Beach Road, #07-301 The Plaza

Singapore 199591

📞 +65 6298 6222

📧 terencehoong@antholagroup.com

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