Terms of Use
These Terms of Use may be amended or updated from time to time. Where appropriate, Fyscal will notify you of any material changes in accordance with the applicable laws and regulations of Singapore. By clicking “Agree” at the bottom of these Terms of Use, or by continuing to access or use the Services after receiving an update notification from Fyscal, you are deemed to have accepted the revised Terms of Use—provided that such changes do not materially alter the original purpose for which your personal data was collected and processed.
User Requirements
1) You confirm that you are an individual who has the legal capacity to enter into a binding agreement, including these Terms of Use, and to use the Services provided by Fyscal.
2) Before accessing or using the Services, you must Agree to these Terms of Use and our Privacy Policy
3) You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username, password, email, and one-time password (OTP) or verification code. You agree that any activity conducted through your account will be deemed to be carried out by you. Fyscal shall not be liable for any loss or damage resulting from unauthorised access due to your negligence.
4) Fyscal will never ask you for your account credentials (e.g., username, password, or OTP). You should not disclose such information to any individual or party, including those claiming to represent Fyscal, unless you are certain of their legitimacy.
5) You acknowledge and accept that Fyscal is not liable for any losses, issues, or damages resulting from:
- Granting account access to third parties;
- Clicking on third-party links or phishing attempts;
- Disclosing your login information to others; or
- Any other negligence on your part related to the use of the Services.
6) You understand that using OTP verification services (where applicable) may incur charges from your mobile service provider. Such fees are subject to your provider’s pricing policies and are solely your responsibility.
7) You must not engage in any misuse or manipulation of the Services, including but not limited to:
- Creating or using unauthorised tools, devices, software, or scripts;
- Manipulating user data or content;
- Engaging in spam or fraudulent activities;
- Any activity reasonably considered as attempting to interfere with the integrity or functionality of the Services.
8) Fyscal reserves the right to take any necessary action, without prior notice, in response to suspected violations of these Terms of Use or applicable laws. Such actions may include, but are not limited to, suspending or terminating your account and cooperating with regulatory or law enforcement authorities.
Limitation of Liability
1) Fyscal does not warrant that:
- The Services will always meet your requirements or be available without interruption;
- The Services will be timely, secure, error-free, or operate without delays or technical issues;
- The accuracy, reliability, or quality of any content, data, reports, or materials accessed through the Services will always meet your expectations.
2) Fyscal is not liable for any losses, damages, or liabilities resulting from:
- Fraudulent, unlawful, or malicious acts committed by third parties through or in connection with the Services;
- Your reliance on or use of any information or content accessed via the Services without verifying its accuracy or appropriateness.
3) Fyscal shall not be held responsible for any failure to perform, or delay in performing, any obligations due to force majeure, including but not limited to: natural disasters, pandemics, cyber-attacks, system breakdowns beyond Fyscal’s control, government restrictions, or acts of God.
4) If there are fees involved in using the Services, Fyscal may offer multiple payment options through third-party payment providers. In the event of an error, dispute, or failure in such third-party payment systems (whether in functionality, deduction, or processing), you agree to:
- Raise the complaint directly with the respective payment provider; and
- Release Fyscal from any obligation to provide compensation related to such third-party errors.
5) You acknowledge and agree that:
- Fyscal is not responsible for the content, accuracy, or reliability of external links or third-party services accessible through the platform;
- Accessing or interacting with such third-party content or websites is at your own risk; and
- You should carefully review any applicable terms and conditions set by those third parties before proceeding.
Service Updates
Fyscal reserves the right to update, modify, or adjust the Services at any time. Such changes may include updates to service features, packages, benefits, functionalities, or related offerings. These updates may be made based on considerations including, but not limited to:
- Requirements, instructions, or directions from applicable laws, regulations, or regulatory authorities in Singapore or other relevant jurisdictions;
- Alignment with evolving technological standards or industry best practices;
- Replacement or discontinuation of services that are no longer relevant or in use, which may be migrated to a similar or upgraded service; or
- Other reasonable business or operational considerations in line with Fyscal’s objectives and customer interests.
Unless otherwise specified by Fyscal and subject to your rights under Singapore consumer protection laws, service updates may result in the modification or migration of your existing service or subscription to an updated version or similar service offering.
Blocking and/or Suspension
Fyscal reserves the right, at its sole discretion and in the interest of protecting all users, to block and/or suspend your access to the Services under the following circumstances, including but not limited to:
- Upon receiving an official request or directive from a competent regulatory or governmental authority in Singapore or any applicable jurisdiction;
- If there is any indication of misuse, abuse, or activities that may cause harm to Fyscal, its systems, or other users;
- If you are found to be in breach of these Terms of Use or any other applicable policies issued by Fyscal;
- If your use of the Services is reasonably suspected based on valid evidence to involve unlawful conduct, including but not limited to fraud, money laundering, identity theft, or other criminal activity under the applicable laws of Singapore.
In the event of a blocking or suspension, you acknowledge and agree that you shall not be entitled to any form of compensation, refund, or claim from Fyscal arising from such action.
Withdrawal of Services
Fyscal reserves the right to temporarily or permanently withdraw or reclaim access to the Services in the event of a technical error, system issue, and/or misuse of the Services. Where reasonably practicable, prior notice will be provided.
By using the Services, you agree to release Fyscal from any and all claims or legal liabilities arising from such withdrawal, provided that your rights under applicable Singapore laws and regulations are duly respected.
Intellectual Property Rights
Fyscal owns and operates various brands, logos, websites, platforms, and applications that are protected under the applicable laws and regulations of Singapore, including but not limited to the Copyright Act 2021 and the Trade Marks Act 1998.
You acknowledge and agree that all Intellectual Property Rights (IPR) owned by Fyscal whether displayed on or embedded in the Services along with any IPR belonging to third parties featured within the Services, may not be copied, used, reproduced, modified, distributed, or otherwise exploited in whole or in part without prior written consent from Fyscal and/or the respective rights holders.
All third-party content including images, logos, videos, or other materials featured in the Services remain the property of their respective owners.
You represent and warrant that you will not infringe upon any IPR belonging to Fyscal or its partners. Fyscal disclaims all liability for any IPR infringement committed by you in relation to third-party content accessed or used through the Services.
Fyscal reserves the right to take appropriate legal action in accordance with Singapore law for any unauthorized use or infringement of its intellectual property.
Confidentiality Warranty
The confidentiality and security of your personal and financial information are of utmost importance to Fyscal. We are committed to employing our best efforts and appropriate safeguards, in line with the Personal Data Protection Act 2012 (PDPA) of Singapore, to protect your data against unauthorised access, use, or disclosure.
Fyscal implements strict measures to maintain the integrity and accuracy of your information submitted through our Services, and to prevent it from being intercepted, accessed, disclosed, altered, or destroyed by unauthorized third parties.
You are solely responsible for maintaining the confidentiality of your account credentials, including your username, password, email, or one-time password (OTP). You must also ensure the security of the device through which you access our Services.
Fyscal shall not be liable for any losses, damages, or claims arising from your failure to safeguard your credentials or your device. You agree to release Fyscal from any and all such liabilities due to your own negligence.
Prohibited Activities
While using Fyscal’s Services, you or any related third parties are strictly prohibited from engaging in the following activities:
1. Illegal Activities
Engaging in any activities that are unlawful under the laws of Singapore or any other applicable jurisdiction.
2. Regulatory Violations
Using the Services in any way that violates applicable regulations, including but not limited to the Personal Data Protection Act (PDPA), anti-money laundering (AML) laws, or electronic communication and cybercrime laws.
3. Fraudulent or Harmful Conduct
Engaging in actions that may cause harm to other users, Fyscal, or its partners, including deceptive schemes, phishing, financial scams, or other fraudulent activities.
4. Intellectual Property Infringement
Posting, distributing, or transmitting content that violates the intellectual property rights or proprietary rights of Fyscal or third parties.
5. Offensive or Obscene Content
Uploading or distributing content that is defamatory, obscene, harassing, threatening, or otherwise objectionable, including content that violates norms of public decency or privacy.
6. Malicious Technologies
Using or distributing harmful software or technologies such as malware, viruses, Trojan horses, ransomware, worms, or any other malicious code.
7. Spamming and Unsolicited Messages
Engaging in spam activities, including mass unsolicited emails, SMS, promotional messages, or any form of unsolicited communication.
8. Security Breach
Attempting to gain unauthorized access to or compromise the security of Fyscal’s systems, networks, or data, including through hacking, probing, or circumventing access controls.
9. Unauthorized Commercial Use
Using the Services for unauthorized or illegal commercial activities or purposes not expressly permitted by Fyscal, including resale or unauthorized integrations.
10. Network Abuse
Interfering with or disrupting the performance of Fyscal’s systems, networks, or infrastructure, including through denial-of-service (DoS) attacks or other misuse.
11. Violation of Public Norms and Ethics
Posting or promoting content involving hate speech, racial or religious discrimination, incitement to violence, or harassment based on ethnicity, religion, gender, or nationality.
12. Restricted Transactions
Using the Services for transactions related to gambling, firearms, alcohol, tobacco, pornography, counterfeit goods, or other prohibited goods or services.
13. Unlawful Use of Prepaid Credit or Deposits
Using prepaid balances or digital wallets in a manner that circumvents legal tender regulations, including using them to simulate or substitute currency transactions where not permitted by law.Fyscal reserves the right to suspend or terminate your access to the Services immediately and without notice for any breach of the above prohibitions, and to report such conduct to the relevant authorities where necessary.
Governing Law and Jurisdiction:
These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law principles.You agree that any dispute, claim, or legal action arising out of or in connection with the Services and/or these Terms of Use shall be subject to the exclusive jurisdiction of the courts of the Republic of Singapore.
Force Majeure:
Force Majeure refers to any extraordinary event or circumstance beyond Fyscal’s reasonable control that prevents, hinders, or delays the provision of Services to you. Such events include but are not limited to:
- Natural disasters, including earthquakes, floods, fires, or other emergencies;
- Non-natural events, such as wars, pandemics, civil unrest, industrial strikes, or acts of terrorism;
- Acts or omissions of third parties, including failures of telecommunications, hosting, or internet service providers;
- Technical failures, power outages, cyberattacks, or disruption of systems not attributable to Fyscal;
- Any laws, regulations, directives, or orders issued by government authorities or regulators in Singapore or other applicable jurisdictions.
In the event of any Force Majeure occurrence, Fyscal shall not be held liable for any failure or delay in performing its obligations under these Terms of Use, provided that reasonable efforts are made to resume Service as soon as practicable.
Contact UsIf you have any questions or concerns regarding these Terms of Use, our Services, or how we handle your data, please feel free to reach out to us: Email: hello@fyscaltech.com, Website: www.fyscaltech.com
Our customer support team will be happy to assist you.