Terms of Service

1. Who these terms are with

These Terms of Service ("Terms") are an agreement between you and Perfingo Pte. Ltd.(UEN 202232781W) ("Perfingo", "we", "us") governing your use of the Perfingo financial-planning application, on the web and, where released, as an app for iOS, iPadOS and Android (the "App"). By creating an account or using the App, you agree to these Terms.

2. The service

Perfingo is a financial planning and tracking tool. It lets you build a financial plan, track your actual income, expenses, holdings and accounts against that plan, get AI-written reports and answers about your own figures, and, if you use the couples or advisor features, share some or all of your plan with a partner or a financial advisor you invite.

3. Accounts

You must be at least 18 to create an account. You must give accurate information and keep your login details confidential. You are responsible for activity under your account, including activity by a partner or advisor you have given access to your household.

4. Subscriptions, billing and refunds

Perfingo is offered on a subscription basis. Prices are shown on our pricing page and at checkout. Depending on where you subscribe, one of two billing arrangements applies.

4.1 Web subscriptions (billed through Stripe)

If you subscribe through the web App, your payment is processed by Stripe, and your subscription renews automatically (monthly or yearly, as chosen at checkout) until you cancel.

• Managing and cancelling. You can manage or cancel at any time from Profile → Manage subscription, which opens a billing page provided by Stripe.
• Cancelling stops the next renewal. You keep access until the end of the period you have already paid for. Apart from §4.3, we do not refund the unused part of a period.
• Failed payments. If a payment fails or your subscription lapses, your account becomesread-only for 7 days: everything stays visible but cannot be edited. After that, most of the App shows a limited summary view until you subscribe again. Your data is never deleted because a payment failed.

4.2 In-app subscriptions (billed through Apple or Google)

If you subscribe in an iOS or Android app, your purchase is processed by the Apple App Store or Google Play, with your subscription status kept in sync by RevenueCat. You manage and cancel these subscriptions in your Apple or Google account settings, andrefunds are handled only by Apple or Google under their own policies. We cannot cancel, change or refund an in-app purchase for you.

4.3 Refunds for web subscriptions

If this is your first paid Perfingo subscription on the web, you can ask for afull refund within 14 days of that first payment by emailing [email protected] from the email address on your account. We will refund the payment to the original card and end the subscription.

Renewals, and any later subscription after a refund, are not refundable; cancelling stops the next renewal instead (§4.1). We may still refund in other cases at our discretion, for example if you were charged in error. Nothing in this section limits any right you have under Singapore law.

4.4 Seats and shared households

A subscription covers the person who bought it, not automatically everyone in a shared household. A partner in your household who has not subscribed can view the shared plan (subject to the access you grant) but cannot make changes.

5. Acceptable use

You agree not to:

• use the App for anything unlawful, or in a way that infringes anyone else's rights;
• try to access any account, household or system you are not entitled to, or get around the App's access controls, subscription checks or rate limits;
• interfere with or disrupt the App, including its calculation, market-data, statement-import or AI services;
• scrape, reverse-engineer or resell access to the App;
• upload a file you have no right to upload, or another person's financial information without their consent.

We may suspend or close an account that breaks these Terms.

6. Your data and content

You own the financial information you enter or import. You give us the permission we need to store and process it and show it to you, and to anyone you have given household or advisor access, in order to provide the App. Our Privacy Policyexplains how we handle your data, including analytics and AI providers.

7. Availability

We work to keep the App available and reliable, but we do not guarantee it will be uninterrupted or error-free. It depends on several services (a calculation engine, a market-data feed, statement extraction, AI reports and chat), any of which may sometimes be slow or unavailable. Market data comes from third parties and is provided as available; we do not guarantee its accuracy or timeliness.

8. Not financial advice

Perfingo is a planning and modelling tool. It does not give, and is not a substitute for, personalised financial, investment, insurance, tax or legal advice. Perfingo is not a licensed financial adviser, and does not provide financial advisory services within the meaning of Singapore's Financial Advisers Act 2001.

Projections, reports and AI answers are estimates based on the assumptions and data you provide. They are not guarantees or recommendations, and they will be wrong if your inputs or assumptions are wrong. AI-written content can contain mistakes. Decisions about your money are yours.

Advisors. A financial advisor you invite into your household is independent of Perfingo. Any advice they give you is theirs, not ours, and they are responsible for holding whatever licence or exemption that advice requires. We do not check, supervise or endorse advisors who use Perfingo.

9. Disclaimers and limitation of liability

To the fullest extent the law allows, the App is provided "as is" and "as available", without warranties of any kind, whether express or implied, including warranties of accuracy, fitness for a particular purpose, and uninterrupted availability.

To the fullest extent the law allows:

• we are not liable for any indirect or consequential loss, or for any loss of profit, income, savings or opportunity, however caused;
• we are not liable for any loss arising from a financial decision you or your advisor make using the App, or from errors in third-party market data;
• our total liability to you for all claims relating to the App is limited to the greater of the amount you paid us in the 12 months before the claim arose, or S$100.

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

10. Termination

You may stop using the App and delete your account at any time (Profile → Delete Account). Deleting your account does not by itself cancel an Apple or Google subscription; cancel that in your store account. We may suspend or close your account for a serious or repeated breach of these Terms, including §5.

11. Changes to these Terms

We may update these Terms from time to time. If a change materially affects your rights, we will tell you by email and in the App at least 30 days before it takes effect. If you keep using the App after that, the new Terms apply; if you do not agree, you can cancel and delete your account before then. For smaller changes, we update the "Last updated" date above.

12. Governing law and disputes

These Terms are governed by the laws of Singapore. If a dispute arises, please contact us first so we can try to resolve it. Any dispute that cannot be resolved that way will be decided by the courts of Singapore.

13. Contact

Perfingo Pte. Ltd., UEN 202232781W
60 Paya Lebar Road, #07-54, Paya Lebar Square, Singapore 409051
[email protected]