Terms and Conditions

These Terms and Conditions govern your access to and use of our online platform and the expense management services provided through this service. By using our site, you agree to comply with these terms. If you do not agree with them, please do not use the service.

1. Our Services

Our service provides analytical and planning tools intended to help users understand and manage business expenses. Services may include expense structure analysis, cost structure analysis, expense optimization recommendations, budget planning, financial reporting, and vendor management insights.

Our insights are based on information made available to us and are provided for general business planning and management purposes. They do not constitute accounting, audit, tax, legal, investment, or other regulated professional advice.

2. Eligibility and Authority

You must be legally capable of entering into a binding agreement to use this service. If you use the service on behalf of a business or other organisation, you confirm that you have authority to bind that organisation to these terms.

3. User Information and Responsibilities

You are responsible for ensuring that information submitted to the service is accurate, complete, current, and lawfully provided. You remain responsible for:

• Reviewing expense data before relying on any analysis or report.
• Maintaining appropriate access controls for your account and business information.
• Obtaining all necessary permissions to upload, process, or analyse information belonging to your organisation, employees, suppliers, or other parties.
• Making independent decisions about budgets, suppliers, spending, and financial controls.

4. Acceptable Use

You must not use our site or service to:

• Submit unlawful, fraudulent, misleading, infringing, or malicious content.
• Attempt to gain unauthorised access to accounts, systems, data, or security controls.
• Interfere with the availability, integrity, or performance of the service.
• Copy, modify, reverse engineer, resell, or commercially exploit the service except as expressly permitted by us.
• Use the service to make decisions that unlawfully discriminate against individuals or groups.

5. Reports and Recommendations

Reports, dashboards, forecasts, benchmarks, recommendations, and other outputs may contain inaccuracies, omissions, or assumptions. Cost-saving opportunities and vendor management suggestions are not guarantees of savings or business results. You should validate outputs against your own records and obtain appropriate professional advice before taking material financial or operational action.

6. Intellectual Property

All rights in the service, including its software, design, documentation, analytical methods, reports, and content supplied by us, are owned by or licensed to us. Subject to these terms, we grant you a limited, non-exclusive, non-transferable right to use the service for your internal business purposes. You retain ownership of information you submit, while granting us the rights reasonably necessary to provide and improve the service in accordance with applicable law.

7. Third-Party Services and Vendors

The service may refer to third-party tools, suppliers, financial systems, or vendor information. Third-party services are governed by their own terms and policies. We are not responsible for the availability, accuracy, security, or performance of third-party services or for disputes between you and a supplier.

8. Availability and Changes

We may update, suspend, restrict, or discontinue any part of the service where reasonably necessary for maintenance, security, legal compliance, business operations, or service improvements. We do not guarantee that the service will always be uninterrupted, error-free, or suitable for every business requirement.

9. Confidentiality and Privacy

You should not submit information that you are not authorised to disclose. We will handle personal information and other submitted data in accordance with our applicable privacy practices and Singapore law. You are responsible for providing any notices and obtaining any consents required for information that you submit through the service.

10. Fees and Payment

If paid services are offered, the applicable fees, billing arrangements, renewal terms, and cancellation conditions will be presented before you place an order or start a paid subscription. Unless stated otherwise, fees are non-refundable to the extent permitted by law, and you are responsible for applicable taxes and charges.

11. Disclaimer of Warranties

To the fullest extent permitted by law, the service and its content are provided on an “as is” and “as available” basis. We disclaim warranties, conditions, and representations not expressly stated in these terms, including implied warranties of accuracy, fitness for a particular purpose, merchantability, availability, and non-infringement.

12. Limitation of Liability

To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive loss, or for loss of profits, revenue, data, business opportunities, goodwill, or anticipated savings arising from or related to your use of the service. Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited under Singapore law.

13. Suspension and Termination

We may suspend or terminate access if you breach these terms, create a security or legal risk, fail to pay applicable fees, or use the service unlawfully. You may stop using the service at any time. Provisions that by their nature should continue after termination will remain in effect, including provisions concerning intellectual property, confidentiality, disclaimers, liability, and dispute resolution.

14. Changes to These Terms

We may revise these terms from time to time. Updated terms will apply from the time they are made available on our site, unless a later application date is stated. Your continued use of the service after an update indicates acceptance of the revised terms.

15. Governing Law and Disputes

These terms are governed by the laws of Singapore. The courts of Singapore will have exclusive jurisdiction over disputes arising from or relating to these terms or the service, subject to any mandatory rights or remedies available under applicable law.

16. Physical Contact Address

Written notices concerning these terms may be delivered to: