📄 Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User”) and MAFHH INTERNATIONAL LTD (“Operator”), the operator of SGFinanceCalculators.com (“Platform”). By accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you are using the Platform on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

2. Description of the Platform

SGFinanceCalculators.com is a free, browser-based financial calculator platform providing educational tools for Singapore residents, permanent residents, and visitors. The Platform includes:

• 300+ free financial calculators covering property, CPF, taxation, loans, investments, family finance, expat matters, lifestyle, and career
• Educational guides, FAQs, and explanatory content
• PDF report generation (browser-side only, no data transmitted)
• WhatsApp sharing functionality

All calculator computations run client-side in your browser. No financial data is transmitted to or stored on our servers.

3. Permitted Use

You may use the Platform for the following purposes:

• Personal financial education and planning
• Research and general information gathering
• Preparing for conversations with financial advisers, lawyers, or accountants
• Non-commercial sharing of calculator links with individuals

The Platform is available free of charge with no registration required. We reserve the right to restrict access to users who misuse the Platform.

4. Prohibited Uses

You must not use the Platform to:

• Present calculator outputs as professional financial advice to third parties
• Systematically scrape, copy, or reproduce calculator content without written permission
• Reproduce our calculator code, methodology, or content on competing websites
• Interfere with or attempt to gain unauthorised access to our servers or infrastructure
• Use automated tools, bots, or scrapers to access the Platform at scale
• Distribute modified versions of our calculators that could mislead users about the source
• Use the Platform for any unlawful purpose under Singapore law

5. Intellectual Property

All content on SGFinanceCalculators.com — including calculator code, HTML/CSS/JavaScript, educational guides, FAQs, graphics, and design — is the intellectual property of MAFHH INTERNATIONAL LTD, protected under Singapore copyright law.

You may share links to individual calculator pages. You may not reproduce, distribute, or create derivative works from our content without prior written permission from MAFHH INTERNATIONAL LTD.

Singapore regulatory data (CPF rates, tax brackets, stamp duty schedules) is public domain information sourced from official government bodies. Our expression, organisation, and educational framing of that data is proprietary.

6. No Warranty on Accuracy

The Platform is provided on an “as is” and “as available” basis. While we make every effort to ensure accuracy, MAFHH INTERNATIONAL LTD makes no warranties, express or implied, including but not limited to:

• Merchantability or fitness for a particular purpose
• Complete accuracy of any calculator result
• Currency of all regulatory rates and thresholds
• Uninterrupted or error-free service

Calculator results are estimates based on simplified models. Your actual financial outcomes will depend on individual circumstances, complete transaction details, and the discretion of regulatory bodies.

7. Limitation of Liability

To the maximum extent permitted by Singapore law, MAFHH INTERNATIONAL LTD shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use or inability to use the Platform
• Any financial, tax, or property decision made in reliance on our calculator results
• Errors, omissions, or inaccuracies in our content
• Unauthorised access to or alteration of your transmissions
• Any conduct of third parties

Nothing in these Terms excludes or limits our liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded under Singapore law.

8. Third-Party Links and Services

The Platform may contain links to official Singapore government websites (MAS, IRAS, CPF Board, HDB, LTA) and third-party services. These links are provided for your convenience only. We do not endorse, control, or take responsibility for the content or privacy practices of any third-party website.

9. PDPA Compliance and Privacy

Our collection and use of personal data is governed by Singapore’s Personal Data Protection Act 2012 (PDPA) and described fully in our Privacy Policy. Our Cookie Policy governs our use of cookies and tracking technologies.

10. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of Singapore. You agree to submit to the exclusive jurisdiction of the Singapore courts for the resolution of any dispute arising from these Terms or your use of the Platform.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. When changes are material, we will update the “Last Updated” date above. Continued use of the Platform after any changes constitutes your acceptance of the revised Terms. We recommend reviewing these Terms periodically.

12. Contact

For any questions regarding these Terms, or to report a violation, please contact us:

• Operator: MAFHH INTERNATIONAL LTD
• Platform: SGFinanceCalculators.com
• Contact form: sgfinancecalculators.com/contact-us/
• Response time: Within 2–5 business days