A Singapore Government Agency Website
  1. Agreement to Trusted Contact service Terms and Conditions
    1. These terms and conditions (“Terms”) are in addition to CPFB’s Website Terms of Use (https://www.cpf.gov.sg/member/terms-of-use) and Privacy Policy (https://www.cpf.gov.sg/member/privacy-statement). You are deemed to have accepted CPFB’s Website Terms of Use and Privacy Policy if you proceed to (i) appoint a Trusted Contact (“TC”) or (ii) accept the appointment to be a TC.
    2. In the event of any conflict between these Terms and CPFB’s Website Terms of Use and Privacy Policy, these Terms shall prevail with respect to the appointment of a TC or acceptance of appointment as a TC.
    3. By agreeing to the Terms, you consent to the conditions for using the Trusted Contact service detailed below.
    4. By using the Trusted Contact service as appointer of a TC or appointee as a TC, you acknowledge and agree that CPFB shall not be liable to you or to indemnify you for any losses, damages, claims, costs or expenses ("Losses") which you may incur arising from or in connection with your usage of this service, including any failure, delay, or non-receipt of notifications under this service, regardless of the cause. 
  2. Use of Trusted Contact service
    1. You may appoint a TC using the Trusted Contact service. A TC will be able to receive a copy of your CPF transaction notifications whenever certain transactions are performed in or through your CPF account (the list of such transactions are as set out in paragraph 3.2 below). You agree to disclose CPF information included in these transaction notifications to your TC as part of using the Trusted Contact service. This consent remains valid until the appointment is revoked.
    2. You must be a Singaporean or Singapore Permanent Resident aged 21 years old and above to use the Trusted Contact service. You must have either a valid email address or a local mobile number registered with CPFB for the purposes of you receiving notifications arising from the use of the Trusted Contact service.
    3. The CPF member you appoint (i.e. your appointee) to be your TC must be a Singaporean or Singapore Permanent Resident aged 21 years old and above. Your appointee must have both a valid email address and a local mobile number registered with CPFB to be eligible to be appointed as a TC for the purposes of receiving notifications arising from the use of the Trusted Contact service, and for receiving copies of your transaction notifications whenever certain transactions are performed in or through your CPF account. You agree to provide your appointee’s name, NRIC number and your relationship with your appointee to CPFB for verification and record. You warrant that your appointee consents to you disclosing the said information to CPFB for the purposes of this Trusted Contact service. You agree to the disclosure of your name and NRIC number to your appointee as stated in paragraphs 2.4 and 2.5 below.
    4. Upon the successful submission of your TC appointment request, your appointee will be informed of your name and will have 7 calendar days from your submission date to accept the appointment. If your appointee does not respond within the 7 calendar days, your appointment request will expire. You may withdraw your appointment request anytime within these 7 calendar days as long as the appointment request remains pending for your appointee’s response.
    5. Your appointee may accept or decline your TC appointment request. Once they accept, they will also be able to view your NRIC number. Your appointee will only be accorded the rights and powers of a TC when they accept the appointment request.
    6. You can appoint up to a maximum of 2 TCs. You may revoke any of your appointed TCs anytime via the Trusted Contact service. Once CPFB has processed the revocation application, the accompanying rights and powers of a TC will also be removed.
    7. Your TC appointment(s) will not be revoked should you become mentally incapacitated after successful appointment of your TC(s). Your Deputy or Donee may, however, separately decide and instruct CPFB to revoke your TC appointment(s).
    8. You shall be responsible for all activities which take place through the use of your Singpass. CPFB shall be entitled to rely on and you shall be bound by all electronic communications, requests, orders or messages made or given through your Singpass.
    9. You acknowledge that both CPFB and your appointed TC(s) would not be liable to you for any Losses that you may incur (including Losses due to scams) as a result of the failure by the appointed TC(s) to notify you of any particular transaction(s) performed in or through your CPF account which the TC(s) was notified of.
    10. You warrant that any information provided by you in this Trusted Contact service is true and accurate to the best of your knowledge. You warrant that any personal data you provide to CPFB (including personal data of the TC) has been obtained with the necessary consent from the individual(s) concerned.
  3. Rights and Responsibilities of a TC
    1. A TC can receive a copy of their appointer’s transaction notifications whenever certain transactions are made in the appointer’s CPF account. A TC cannot transact on their appointer’s behalf.
    2. A TC will receive a copy of their appointer’s notification (with the relevant details) whenever the following types of transactions are made in the appointer’s CPF account:
      1. CPF lump sum withdrawals for immediate retirement needs
      2. Contact details update
      3. Bank account update
      4. Daily withdrawal limit update
    3. An appointee may be appointed as TC for up to 10 different appointers. If you are appointed as a TC, you shall be responsible to review your appointment(s) from time to time. You may revoke your own appointment anytime via the Trusted Contact service. Once CPFB has processed the revocation application, your rights and powers as a TC will be removed.
    4. If you have accepted an appointment to be a TC, you warrant that you shall use the shared CPF information solely for the benefit of your appointer.
    5. A TC appointment does not accord the same legal powers as a Donee or a Deputy. If you are appointed as a TC, and in the event your appointer loses their mental capacity after your appointment, the Deputy or Donee of the appointer may instruct CPFB to revoke your appointment as the TC.
  4. CPFB’S Rights
    1. CPFB reserves the right to accept or reject any request for the appointment and removal of a TC for any reason. CPFB may also remove a TC appointment any time without prior notice in situations, including but not limited to, where the TC becomes deceased or ceases to be a Singapore citizen or permanent resident.
    2. Notwithstanding the limits set out in paragraphs 2.6 and 3.3 above, CPFB reserves the right to revise the number of TCs that a CPF member may appoint or the number of CPF members a TC may be appointed to anytime at its sole discretion.
    3. CPFB reserves the right to modify, add, or remove the list of transaction notifications (set out in paragraph 3.2 above) made available to appointed TCs through the Trusted Contact service anytime at its sole discretion.
    4. CPFB reserves the right to change the Trusted Contact service Terms from time to time at its sole discretion, including the revisions described in paragraphs 4.2 and 4.3 above and updating the transaction types in paragraph 3.2 above. In this regard, kindly check for the latest version of these Terms from time to time. Through your continued use of this service as appointer or appointee, you will be deemed to have agreed to the latest Terms which can be found at above link.
    5. CPFB shall not be liable for appointment requests sent to you by parties unrelated or unknown to you, in which case you shall have the right to reject such appointment requests. For the avoidance of doubt, the responsibility of reviewing TC appointment requests remains with the appointee.

This version of the Trusted Contact service Terms and Conditions is dated 02 Feb 2026.