Terms and Conditions

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

1. About the Service

Our service is designed to support businesses and other organisations with analysis of expense structures, expense management, cost optimisation, and budget monitoring. Information and tools made available through our site are intended to assist with financial planning and management decisions.

Unless expressly agreed otherwise in writing, our service does not constitute accounting, auditing, tax, legal, investment, or other regulated professional advice.

2. Eligibility and Authority

You must have the legal capacity to enter into a binding agreement under the laws applicable to you. If you use our service on behalf of a company, partnership, or other organisation, you confirm that you have authority to bind that organisation to these Terms and Conditions.

3. Account and Information Requirements

Where an account is required, you are responsible for providing information that is accurate, complete, and current. You must keep account credentials confidential and must promptly notify us if you suspect unauthorised access or use.

You are responsible for ensuring that you have the necessary rights, permissions, and lawful basis to provide any expense, transaction, employee, supplier, budget, or financial information submitted to our service.

4. Acceptable Use

You agree to use our site and service only for lawful business and expense management purposes. You must not:

• Use the service to submit fraudulent, misleading, unlawful, or unauthorised information.
• Attempt to gain unauthorised access to accounts, systems, data, or networks.
• Interfere with the security, availability, or operation of our site or service.
• Upload malicious code, harmful software, or content that infringes another person's rights.
• Copy, resell, reproduce, modify, reverse engineer, or commercially exploit any part of the service without permission.
• Use automated means to access or extract content from our site in a manner that could adversely affect its operation.

5. Expense and Budget Information

You remain responsible for the accuracy, completeness, and interpretation of information entered into or generated through the service. Results, reports, classifications, recommendations, forecasts, and monitoring data may depend on the quality and timeliness of the information provided.

You should independently review all outputs before relying on them for purchasing, budgeting, reporting, payment, tax, employment, or other business decisions.

6. Intellectual Property

Our site, service, software, design, text, graphics, reports, processes, and other materials are owned by or licensed to the service operator and are protected by applicable intellectual property laws. Subject to these Terms and Conditions, we grant you a limited, non-exclusive, non-transferable, and revocable right to use the service for your internal business purposes.

7. User Content and Licence

You retain ownership of information and materials that you submit to our service. You grant us the limited right to host, process, reproduce, and use that information as reasonably necessary to provide, maintain, secure, and improve the service, comply with law, and enforce these Terms and Conditions.

8. Privacy and Security

Our handling of personal data is subject to our applicable privacy practices and policies. We use reasonable measures intended to protect information, but no online service or transmission method can be guaranteed to be completely secure. You should avoid submitting information that is not necessary for the intended use of the service.

9. Third-Party Services and Links

Our site or service may refer to third-party products, services, or websites. Those third parties operate independently and may have their own terms and privacy practices. We are not responsible for third-party content, availability, security, or performance.

10. Availability and Changes

We may modify, suspend, restrict, or discontinue any part of our site or service at any time, including for maintenance, security, legal, or operational reasons. We do not guarantee that the service will always be available, uninterrupted, error-free, or compatible with every device or system.

11. Fees and Additional Terms

If paid plans or other charges apply, the applicable pricing, payment terms, renewal terms, and cancellation conditions will be presented before you purchase or activate the relevant service. Additional terms may apply to specific features or arrangements and will form part of your agreement with us where clearly identified.

12. Disclaimer

To the fullest extent permitted by law, our site and service are provided on an “as is” and “as available” basis. We do not warrant that the service will meet every business requirement or that any cost savings, budget outcomes, forecasts, classifications, or recommendations will be achieved.

13. Limitation of Liability

To the fullest extent permitted by law, the service operator will not be liable for indirect, incidental, special, consequential, exemplary, or punitive losses, or for loss of profits, revenue, savings, data, goodwill, or business opportunities arising from or relating to your use of the service.

Nothing in these Terms and Conditions excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

14. Indemnity

To the extent permitted by law, you agree to indemnify and hold harmless the service operator and its personnel from claims, losses, liabilities, costs, and expenses arising from your breach of these Terms and Conditions, your unlawful use of the service, or information and materials you submit to the service.

15. Suspension and Termination

We may suspend or terminate your access if you breach these Terms and Conditions, create a security or legal risk, fail to pay applicable charges, or use the service in a way that may harm us, other users, or third parties. Upon termination, your right to use the service will end, although provisions that by their nature should continue will remain effective.

16. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of Singapore. Subject to any mandatory rights available to you under applicable law, the courts of Singapore will have exclusive jurisdiction over disputes arising from or relating to these Terms and Conditions or your use of our service.

17. Changes to These Terms

We may update these Terms and Conditions from time to time. Updated terms will be posted on our site, and your continued use of the service after the updated terms are posted constitutes acceptance of the changes.

18. Contact and Physical Address

Questions about these Terms and Conditions may be directed to the service operator at the following physical address: