Terms and Conditions

These Terms and Conditions govern your access to and use of our online platform and expense analysis services. By using our site or engaging our services, you agree to comply with these terms.

1. Our Services

We provide businesses with expense structure analysis, cost optimisation strategies, financial reporting support, and budget management solutions. The specific services, deliverables, timelines, and fees applicable to an engagement will be agreed with the relevant client before work begins.

2. Eligibility and Authority

You must be authorised to act for the business or organisation that uses our service. By accepting these terms, you confirm that you have the authority to bind that business or organisation to this agreement.

3. Client Information and Responsibilities

You are responsible for providing complete, accurate, current, and lawful information required for the engagement. This may include expense records, budgets, financial reports, supplier information, transaction data, and other business materials.

• You must obtain all necessary rights and permissions to provide information to us.
• You must promptly identify errors, omissions, or changes that may affect our analysis.
• You remain responsible for maintaining original records and appropriate backups of your information.
• You must review all reports and recommendations before relying on them or implementing them.

4. Analysis and Recommendations

Our analysis and recommendations are prepared using the information available to us and are intended to support business decision-making. They may identify potential efficiencies, cost reductions, reporting improvements, or budget controls, but they do not guarantee specific savings, financial outcomes, or business results.

5. No Financial, Tax, or Legal Advice

Our services are not a substitute for independent accounting, audit, tax, legal, investment, or regulated financial advice. You should obtain advice from an appropriately qualified professional before making decisions that require specialist guidance or may affect your legal or regulatory obligations.

6. Fees and Payment

You agree to pay the fees and applicable expenses agreed for the services. Unless otherwise agreed, invoices are payable within the period stated on the applicable invoice. We may pause work or restrict access to services where undisputed amounts remain overdue.

7. Intellectual Property

We retain ownership of our methodologies, templates, models, processes, software, know-how, and other pre-existing materials. Subject to payment of all applicable fees, you may use the final reports and deliverables prepared specifically for you for your internal business purposes. You must not resell, publish, distribute, or commercially exploit our materials without our prior written permission.

8. Confidentiality

Each party must protect confidential business, financial, operational, and technical information received from the other party and use it only for the relevant service engagement. This obligation does not apply to information that is publicly available without breach, already lawfully known, independently developed, or required to be disclosed by law.

9. Acceptable Use of Our Site

You must not use our site or service to:

• Submit unlawful, fraudulent, misleading, defamatory, or infringing content.
• Attempt to gain unauthorised access to systems, accounts, or information.
• Interfere with the security, performance, or availability of our online platform.
• Copy, reproduce, scrape, reverse engineer, or misuse any part of our site or service.

10. Availability and Third-Party Services

We aim to keep our site and services available, but uninterrupted access is not guaranteed. Access may be affected by maintenance, technical failures, security incidents, internet disruptions, or circumstances outside our reasonable control. We are not responsible for third-party systems or services that you use in connection with our service.

11. Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or loss-of-profit damages arising from your use of our site or services. We are also not responsible for losses resulting from inaccurate, incomplete, delayed, or unauthorised information supplied by you, or from decisions made using our reports or recommendations.

12. Suspension and Termination

We may suspend or terminate access to our site or services if you breach these terms, fail to pay applicable fees, misuse the service, or create a security, legal, or operational risk. Either party may end an agreed engagement in accordance with its applicable engagement terms. Provisions concerning payment, confidentiality, intellectual property, liability, and dispute resolution will continue after termination where applicable.

13. Changes to These Terms

We may update these terms from time to time to reflect changes to our services, legal requirements, or operating practices. Updated terms will apply from the time they are made available on our site, unless a different effective arrangement is required by law or agreed with you.

14. Governing Law and Disputes

These terms are governed by the laws of Singapore. The parties submit to the non-exclusive jurisdiction of the courts of Singapore, subject to any mandatory rights or remedies available under applicable law.

15. Contact and Physical Address

For written notices concerning these terms, please use our physical address: Tanglin Road, Singapore 241111.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.