Terms of Service

Welcome to CPF Calculator. These Terms of Service ("Terms") govern your access to and use of the website cpfcalculator.sg (the "Website"), including all content, features, tools, and services offered through the Website.

By accessing or using our Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website.

1. Acceptance of Terms

By using the Website, you confirm that you are at least 18 years of age and are legally capable of entering into binding agreements. If you are using the Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Services

CPF Calculator provides:

• Financial calculators for CPF contributions, HDB loans, taxes, and retirement planning
• Educational content and articles about CPF policies, investment strategies, and wealth management in Singapore
• An AI-powered financial assistant ("Rich") that provides general information about Singapore financial topics
• Other tools and resources related to personal finance in Singapore

All services are provided for educational and informational purposes only and do not constitute financial, investment, tax, or legal advice.

3. Use of the Website

3.1 Permitted Use

You may use the Website for lawful, personal, and non-commercial purposes in accordance with these Terms.

3.2 Prohibited Conduct

You agree not to:

• Use the Website for any unlawful purpose or in violation of any applicable Singapore laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the Website's functionality or security
• Transmit viruses, malware, or other harmful code
• Scrape, harvest, or collect data from the Website without our consent
• Reproduce, duplicate, copy, sell, or exploit any portion of the Website for commercial purposes without our permission
• Use automated systems or bots to access the Website
• Impersonate any person or entity or misrepresent your affiliation

4. Calculators and Tools

The calculators and tools provided on the Website are designed to provide estimates and general guidance based on the information you input and publicly available CPF rates and policies.

• Results are estimates only and may not reflect your actual CPF contributions, taxes, or financial outcomes
• We strive to keep our calculators updated with current CPF rates and policies, but we do not guarantee accuracy or completeness
• You should verify all calculations with official sources such as the CPF Board, IRAS, or HDB
• Financial data you enter into calculators is processed locally in your browser and is not stored on our servers

5. AI Assistant ("Rich")

Our AI-powered assistant Rich provides general information about Singapore financial topics. By using Rich, you acknowledge that:

• Rich provides educational information only and not personalized financial advice
• Responses may not always be accurate, complete, or up-to-date
• You should not rely solely on Rich for important financial decisions
• Conversations with Rich may be processed by third-party AI services
• You should not share sensitive personal information (NRIC, bank details, passwords) with Rich

6. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, calculators, software, and the overall design and arrangement, is the property of CPF Calculator or its licensors and is protected by Singapore copyright and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content from the Website without our prior written consent, except for personal, non-commercial use.

7. Third-Party Links and Content

The Website may contain links to third-party websites, including government resources such as the CPF Board, IRAS, and HDB websites. These links are provided for your convenience only.

We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. You access third-party websites at your own risk.

8. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

We do not warrant that:

• The Website will be uninterrupted, secure, or error-free
• The information provided is accurate, complete, or current
• Any errors or defects will be corrected
• The Website is free of viruses or other harmful components

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY SINGAPORE LAW, CPF CALCULATOR AND ITS DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE.

This includes, but is not limited to, damages for loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless CPF Calculator and its directors, employees, and affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any rights of a third party
• Any content you submit or transmit through the Website

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this page with a revised "Last updated" date. Your continued use of the Website after any changes constitutes your acceptance of the new Terms.

12. Termination

We may terminate or suspend your access to the Website at any time, without prior notice or liability, for any reason, including if you breach these Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of Singapore. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Singapore.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Us

If you have any questions about these Terms of Service, please contact us at: