1. General Terms
These Terms & Conditions describe the rules for accessing and using the website.
The website provides informational content related to the structure of family finances and the description of everyday household expenses. All materials are published for general reference purposes only.
By accessing the website, the user confirms acceptance of these Terms & Conditions. If the user does not agree with the terms described in this document, the website should not be used.
The website does not provide services, transactions, subscriptions, or paid content. Access to the information is open and does not require registration.
2. Informational Nature of the Website
All content on the website is provided for informational purposes only.
The materials describe general concepts, definitions, and examples related to household finance structure and the organisation of daily expenses. The website does not provide professional, financial, legal, or personal advice. Information presented on the website should not be interpreted as instructions or recommendations.
Users are responsible for how they interpret and use the information.
3. Use of the Website
Users may view pages of the website for personal informational purposes.
The following actions are not permitted:
- Using the website in a way that disrupts its operation
- Attempting to gain unauthorised access to technical systems
- Copying or distributing content without permission
- Using the website for unlawful activities
The website may change, update, or remove content at any time without prior notice.
4. Accuracy of Information
The content of the website is prepared using general sources and commonly known definitions. No guarantee is given that all information is complete, current, or free from errors. Descriptions on the website are intended only to explain general concepts. They do not reflect individual situations and may not apply in all cases.
The website may update or modify content to maintain consistency and clarity.
5. Availability of the Website
The website is provided as an informational resource without any guarantee of continuous availability. Access to the website may be limited temporarily due to technical maintenance, updates, or security reasons. The website does not guarantee that all pages will always function without interruption. Reasonable efforts may be made to maintain stable operation, but uninterrupted access cannot be assured.
6. Contact Form and Communication
The website may contain a contact form that can be used for general questions related to the content.
Use of the contact form is optional.
Personal data submitted through the form is processed only for communication purposes in accordance with the Privacy Policy. Users should not submit confidential or sensitive information through the form. Messages may be stored only for the time necessary to respond.
7. Personal Data
Processing of personal data is described in the Privacy Policy. Personal data is collected only when voluntarily provided by the user. The website does not require personal data to view informational pages.
Data processing is performed in accordance with the Personal Data Protection Act 2012 (PDPA), the Spam Control Act 2007, and the Electronic Transactions Act 2010 of Singapore.
8. Intellectual Property
All text, layout, and design elements of the website belong to the website owner unless otherwise stated.
Content may be viewed for personal informational use only. Reproduction, copying, or distribution of materials without permission is not allowed. Use of the website does not transfer any ownership rights to the user.
9. Limitation of Responsibility
The website provides informational content without any guarantee of accuracy, completeness, or suitability for a particular purpose. The website is not responsible for decisions made based on the information provided. The website is not responsible for technical errors, interruptions, or temporary unavailability. Use of the website is at the user’s own discretion.
10. Applicable Law
These Terms & Conditions are governed by the laws of Singapore. Use of the website must comply with applicable legislation, including the Personal Data Protection Act 2012, the Spam Control Act 2007, and the Electronic Transactions Act 2010.
11. Changes to the Terms
These Terms & Conditions may be updated when necessary. The updated version will be published on this page with the revised date. Continued use of the website after changes means that the updated terms apply.
For more information, please use the contact details provided above.
