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The following information is disclosed by Carmens Loh (“we” or “us”) to you in accordance with the Singapore law.



Testimonials appearing on this site are received via text, audio, or video submission. To our knowledge, they are individual’s actual experiences, reflecting the real life experiences of those who have used our products and/or services. We do not claim that they are typical results that consumers will generally achieve. The testimonials are individual opinions and not necessarily representative of all of those who will use our products and/or services. Similarly, any information contained on this Site and in our other programs, content and offerings are solely our opinion and therefore, not representations, warranties, or guarantees of any kind.



This site and any videos, courses, and other information offered herein are provided for informational purposes only.


We are not medical practitioners or other professionally licensed health care providers or professionals. You will not use this site or any course or product offered hereon to seek any medical or mental health advice and you understand and agree that nothing we offer is a substitute for the same.


The information and products contained in and offered through this site will not treat or diagnose any disease or ailment. If you should experience any such issues you should seek the advice and examination of a licensed medical or mental health professional immediately.


None of the products or services that we offer have been evaluated or approved by the FDA. You understand that our products are not to be used to treat or cure any medical condition.



You understand and agree that any courses or other informational or educational materials offered through our site are provided to you to satisfy your own interest in the topics presented and your own self improvement. However, you agree that any satisfaction with a particular course or material is entirely subjective and that we do not guarantee that you will like, agree with or receive any results from any particular course or materials. In particular, you understand and agree that we do not guarantee that your purchase or use of any course or other materials that we provide will create or improve your ability to earn a living, practice a trade, increase your clientele, improve your sales, receive recognition or achieve any other specific results. 



Sections of this website may allow you to purchase products and services online provided by other third party merchants. Some of the links that we post are “affiliate links.” This means that if you click on the affiliate link and purchase an item through that link, we will receive an affiliate commission. We are not responsible for the quality, accuracy, timeliness, reliability or any other aspect of the products and services purchased through affiliate links, the information contained on third party sales page, or any other third party links. In addition, the merchant for your purchase will have privacy and data collection practices that are different from ours. You release us and our affiliates from any damages that you may incur, and agree not to assert any claims against them or us in connection with your purchase or your use of any of the products, services, or information contained on sales page made available to you by third parties through our site. Your participation, correspondence or business dealings with any third party found on or through our Site, regarding payment and delivery of specific goods and services, and any other terms, conditions, representations or warranties associated with such dealings, are solely between you and that third party.