Terms of Use

1. Acceptance of Terms

By accessing or using CalculatorSG ("the Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

2. Informational Purpose Only

All calculators, guides, and content on CalculatorSG are provided for informational and educational purposes only. Nothing on this Site constitutes financial, legal, investment, or tax advice. Results produced by our calculators are estimates based on the inputs you provide and the rates/rules in effect at the time of calculation.

Always consult a qualified financial adviser, tax professional, or legal expert before making financial decisions. We accept no liability for decisions made based on information from this Site.

3. Accuracy of Information

We strive to keep our calculators and data accurate and up to date. However, we make no warranties or representations, express or implied, regarding the accuracy, completeness, or fitness for a particular purpose of any information on the Site. Tax rates, CPF rates, loan rates, and government policies change frequently — always verify critical figures with official sources (IRAS, CPF Board, MAS, HDB, LTA).

4. Intellectual Property

All content on CalculatorSG — including calculator logic, text, guides, data visualisations, and design — is owned by CalculatorSG or licensed for use on this Site. You may not reproduce, distribute, or create derivative works from our content without express written permission.

Data sourced from data.gov.sg is used under the Singapore Open Data Licence v1.0. Where data is attributed to government sources (HDB, LTA, MOM, etc.), we do not claim ownership of that underlying data.

5. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorised access to any part of the Site
• Scrape or harvest data from the Site using automated tools without permission
• Reproduce calculator results or content commercially without permission
• Misrepresent calculator outputs as professional financial advice

6. Third-Party Services

The Site uses Google Analytics and Google AdSense. These services are subject to their own terms and privacy policies. We are not responsible for the content or practices of third-party services.

Some guides may contain affiliate links. We may earn a small commission if you click and make a purchase, at no additional cost to you. This does not influence our content or recommendations.

7. Limitation of Liability

To the maximum extent permitted by law, CalculatorSG shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on any content provided. This includes, without limitation, any errors in calculator results or outdated rates.

8. Changes to Terms

We reserve the right to update these Terms of Use at any time. Changes will be posted on this page with an updated date. Continued use of the Site after changes constitutes acceptance of the revised terms.

9. Governing Law

These Terms are governed by the laws of Singapore. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Singapore.

10. Contact

Questions about these terms? Email us at hello@calculatorsg.com.