Definitions
1. You and Tax Savy: When we say you or your, we mean both you and any entity or firm you’re authorised to represent. When we say Tax Savy, we, our or us, we’re talking about the Savy Solutions Pte Ltd you contract with and pay fees based on the edition of the Tax Savy product you’re using.
2. Our services: Our services consist of all the services we provide now or in the future.
3. Creating a subscription: When you create a subscription to use our services and accept these terms, you become a subscriber. If you’re the subscriber, you’re the one responsible for paying for your subscription.
4. People invited to use Tax Savy: An invited user is a person other than the subscriber who has been invited to use our services through a subscription. If you’re an invited user, you must also accept these terms to use our services.
5. User roles and access: As a subscriber inviting others into a subscription, you should understand the permissions you’re granting to invited users.
6. The right to use our services: Whether you’re a subscriber or an invited user, we grant you the right to use our services (based on your subscription type, your user role and the level of access you’ve been granted) for as long as the subscriber continues to pay for the subscription, until the subscription is terminated, or – if you’re an invited user – until your access is revoked.
7. Subscriber role: As a subscriber, you take responsibility for fully controlling how your subscription is managed and who can access it. For example:
- You can transfer a subscription.
- You control access to a subscription. You decide who’s invited to use our services you’ve subscribed to and what kind of access the invited user has. You can change or stop that access at any time.
- You’re responsible for resolving any disputes with any invited users over access to your subscription.
- You’re responsible for all your invited users’ activity.
8. Rules: Whatever your role, when you use Tax Savy you agree to follow the rules in section 34. Please read them and make sure you understand what you should and shouldn’t do.
9. Your responsibilities: You promise that you’ll keep your information (including a current email address) up to date. You’re responsible for providing true, accurate and complete information and for verifying the accuracy of any information that you use from our services for your legal, tax and compliance obligations. You’re also responsible for protecting your username and password from getting stolen or misused. Our service has minimum password standards but you will ensure that passwords are very strong and not easily guessable. The stronger the password the better! For more on security generally, check out the security section below.
10. When we introduce new or revised services: Since we’re always thinking about how to make Tax Savy the best it can be, we regularly expand our services. For new or updated services, there might be additional terms. We’ll let you know what those terms are before you start using those services.
11. What we own: We own everything we’ve put into our services unless otherwise stated and excluding content owned by others. This includes rights in the design, compilation, and look and feel of our services. It also includes rights in all copyrighted works, trademarks, designs, inventions, and other intellectual property. You agree not to copy, distribute, modify or make derivative works of any of our content or use any of our intellectual property rights in any way not expressly permitted by us.
Pricing
Unless you’re in a free trial or other offer period, you’ll need to pay for a subscription based on the pricing of your selected plan. The pricing details and other terms of your subscription are explained when you select your plan. This section is for the subscriber, not an invited user.
12. Trial subscriptions: When you first sign up, you can opt for a free trial, based on the terms specified at the time. If you choose to continue using our services after the trial, you’ll be billed when you add your billing details into our services, explained in more detail in the pricing plan. If you choose not to continue using our services following a trial, your database will be deleted 15 days after the end of your trial period.
13. Tax Savy pricing plans: Your use of our services generally requires you to pay a monthly subscription fee based on your subscription type (the subscription fee). The pricing plan consists of the subscription and subscription fees we offered you, including invoicing, payment, auto-renewal and cancellation terms. We may update or amend the pricing plan from time to time. The terms of the pricing plan form part of these terms. As with any other changes to our terms, changes to the pricing plan won’t apply retrospectively and, if we make changes and you’re a subscriber, we’ll make every effort to let you know (take a look at section 52 to see how and when we’ll notify you). GST may be levied in accordance with the prevailing laws and regulations.
14. Taxes for your use of our services: You’re responsible for paying all other external fees and taxes associated with your use of our services wherever levied. Your responsibility includes withholding tax if it applies, unless we already process that withholding tax.
15. Additional services: Depending on where you’re based and how you use our services, you may be able to take advantage of additional services that Tax Savy offers. These might incur an additional fee that we’ll let you know about when you sign up for those services.
16. Importance of timely payments: In order to continue accessing our services, you need to make timely payments based on the pricing plan you selected. To avoid delayed or missed payments, please make sure we have accurate payment information. If we don’t receive timely payments, we may suspend access to your subscription until the payment is made.
Data use and privacy
This section sets out how Tax Savy uses data to provide our services to you and where you can find information about how we deal with personal data.
17. Use of data: When you enter or upload your data into our services, we don’t own that data but you grant us a licence to use transmit, store and back up all data you submit to us through our services, including personal data of yourself and others, to: enable you to use our services; allow us to improve, develop and protect our services; create new services; communicate with you about your subscription; send you information we think may be of interest to you based on your marketing preferences; and disclose to third party service providers and partners to enable and support such purposes.
18. Use of your own personal data: We respect your privacy and take data protection seriously. You acknowledge that our privacy notice describes how we process your own personal data that you enter into Tax Savy, like your name and email address.
19. Use of data you enter about others: We take the privacy and security of your data seriously. Any personal or sensitive information provided by you are encrypted using industry-standard encryption protocols to ensure its protection. This encrypted data is only used for the purposes outlined in our privacy policy, such as processing transactions, improving our services, or fulfilling contractual obligations. Access to this encrypted data is strictly limited to authorized personnel, and we take all necessary steps to safeguard it from unauthorized access or misuse. Rest assured that your data is handled with the utmost care and in full compliance with applicable data protection laws.
20. Anonymised statistical data: When you use our services, we may create anonymised statistical data from your data and usage of our services, including through aggregation. Once anonymised, we may use it for our own purposes, such as to provide and improve our services, to develop new services or product offerings, to identify business trends, and for other uses we communicate to you.
Confidential information
We take reasonable precautions to protect your confidential information and expect that you’ll do the same for ours.
21. Keeping it confidential: While using our services, you may share confidential information with us, and you may become aware of confidential information about us. You and we both agree to take reasonable steps to protect the other party’s confidential information from being accessed by unauthorised individuals. You or we may share each other’s confidential information with legal or regulatory authorities if required to do so.
Security
To help protect our services and your data, we offer added security features such as multi-factor authentication.
22. Security safeguards: We’ve invested in technical, physical and administrative safeguards to do our part to help keep your data safe and secure. While we’ve taken steps to help protect your data, no method of electronic storage is completely secure and we cannot guarantee absolute security. We may notify you if we have reason to believe that someone has accessed (or may be able to access) your account without authorisation and we may also restrict access to certain parts of our services until you verify that access was by an authorised user.
23. Account security features: We may introduce security features to make your account more secure, such as multi-factor authentication. Where we make the use of security features optional, you’re responsible (meaning we’re not liable) for any consequences of not using those features. We strongly encourage you to use all optional security features.
24. Playing your part to secure your data: You have an important part to play by keeping your login details secure, not letting any other person use them, and by making sure you have strong security on your own systems. If you realise there’s been any unauthorised use of your password or any breach of security to your account or email address linked to your account, you need to let us know immediately. You also agree not to use free-form fields in any of Tax Savy’s systems or services to store personal data (unless it’s a field explicitly asking for personal data - like a first name or a last name), credit card details, tax identifiers or bank account details.
Maintenance, downtime and data loss
We really try to minimise any downtime, but sometimes it’s necessary so we can keep our services updated and secure. You also may have occasional access issues and may experience data loss, so backing up your data is important.
25. Availability: We strive to maintain the availability of our services, and provide online support, 24 hours a day. On occasion, we need to perform maintenance on our services, and this may require a period of downtime. We try to minimise any such downtime. Where planned maintenance is being undertaken, we’ll attempt to notify you in advance but can’t guarantee it.
26. Access issues: You know how the internet works – occasionally you might not be able to access our services and your data. This might happen for any number of reasons, at any time.
27. Data loss: Data loss is an unavoidable risk when using any technology. You’re responsible for maintaining copies of your data entered into our services. We are not liable for loss of your data other than in accordance with section 43 of these terms.
28. Compensation for downtime: If you ask us, we may in our discretion provide compensation in the event of any system-wide downtime of our services which is greater than eight consecutive hours during a work day. Any compensation may be provided on a pro-rata basis and may be in the form of a refund (capped at one month's subscription) or a credit for a future subscription period (at our option). Compensation requests must be provided in writing to Tax Savy, within 21 days of the downtime occurring. Just to be clear, we won’t pay compensation under this section for any downtime due to:
- maintenance,
- events or circumstances beyond our reasonable control, including any services provided by third parties failing, being delayed or becoming unavailable (read section 46 to learn more about how we approach this topic),
- your use of the services in breach of these terms, or
- your equipment, software, network connections or other infrastructure.
As a reminder, section 43 also applies.
29. Problems and support: If you have a problem, we have excellent content available in our User Guide. that should help you with most situations. If you still need help, you can contact our support team by scrolling to the bottom of any of our webpages.
30. Modifications: We frequently release new updates, modifications and enhancements to our services, and in some cases discontinue features. Where this occurs, we’ll endeavour to notify you where practical (for example, by email, on our blog, or within our services when you log in).
Do’s and don’ts
31. Feedback: We love your feedback and may use it without restriction.
32. Responsible use of our services: We strive to offer our services in a way that will encourage responsible use and help ensure access for all customers. Responsible use means not using our services in a way we see as excessive or unreasonable. We call this our fair use principle. This also means that some of our services may be subject to limits such as a cap on the number of monthly transactions. We’ll let you know when you violate the fair use principle and ask you to stop within 14 days. For continued violations, we may terminate or suspend your subscription in accordance with section 38.
33. Beta services: Occasionally we may offer a service– for example a beta service, or a time-limited trial account. Because of the nature of these services, you use them at your own risk.
34. While we can’t cover everything here, we do want to highlight a few more examples of things you mustn’t ever do:
- Undermine the security or integrity of our computing systems or networks.
- Use our services in any way that might impair functionality or interfere with other people’s use.
- Access any system without permission.
- Introduce or upload anything to our services that includes viruses or other malicious code.
- Share anything that may be offensive, violates any law, or infringes on the rights of others.
- Modify, copy, adapt, reproduce, disassemble, decompile, reverse engineer or extract the source code of any part of our services.
- Resell, lease or provide our services in any way not expressly permitted through our services.
- Repackage, resell, or sublicense any leads or data accessed through our services.
- Commit fraud or other illegal acts through our services.
- Act in a manner that is abusive or disrespectful to a Tax Savy employee, partner, or other Tax Savy customer. We will not tolerate any abuse or bullying of our Tax Savy employees in any situation and that includes interaction with our support teams.
Termination
You can easily terminate your subscription with one month’s written notice. We may terminate your subscription as well with the same notice. If you violate these terms, we may terminate your subscription immediately in accordance with section 38. If your subscription is terminated, no refund is due to you, but rest assured you'll only pay for services that have been provided to you.
35. Subscription period: Your subscription continues for the period covered by the subscription fee paid or payable.
36. Automatic renewal: At the end of each billing period, these terms automatically continue for a further period of the same duration as the previous one, provided you continue to pay the subscription fee in accordance with the pricing plan.
37. Termination by you: You may choose to terminate your subscription at any time by providing Tax Savy with one month’s written notice in advance. You’ll still need to pay all relevant subscription fees up to and including the day of termination.
38. Termination by Tax Savy: Tax Savy may choose to terminate your subscription at any time by providing you with one month’s written notice in advance. Tax Savy may also terminate or suspend your subscription or access to all or any data immediately if:
- you breach any of these terms and do not remedy the breach within 14 days after receiving notice of the breach,
- you breach any of these terms and the breach cannot be remedied, or
- you or your business become insolvent, your business goes into liquidation or has a receiver or manager appointed over any of its assets, you become insolvent or make any arrangement with your creditors, or become subject to any similar insolvency event in any jurisdiction.
If you fail to pay subscription fees, we will take reasonable steps to notify you of the failure. Subject to the processing and payment timing of your bank or credit or debit card provider:
- if you do not pay within 7 days of the date on which the subscription fees became due and payable, Tax Savy may suspend your subscription, and
- if you do not pay within 14 days from the date on which the subscription fees became due and payable, Tax Savy may terminate your subscription.
In this case, you can reactivate your subscription by paying any outstanding subscription fees in full.
39. No refunds: Subject to section 48, no refund is due to you if you terminate your subscription or Tax Savy terminates it in accordance with these terms.
40. Retention of your data: Once a subscription is terminated by you or us, it is archived and the data submitted or created by you is no longer available to you. We retain it for a period of time consistent with our data retention policy, during which, as a subscriber, you can reactivate your subscription and once again access your data by paying the subscription fees.
Liability and indemnity
41. You indemnify us: You indemnify us against all losses, costs (including legal costs), expenses, demands or liability that we incur arising out of, or in connection with, a third-party claim against us arising from your use of our services or any third-party product, except for losses arising from:
- a breach of these terms by Tax Savy, its employees, contractors or agents, or
- any gross negligence, wilful misconduct, fraud or material error that was solely the responsibility of Tax Savy, its employees, contractors or agents.
For this indemnity, Tax Savy will take reasonable mitigation measures where possible.
42. Disclaimer of warranties: Our services and all third-party products are made available to you on an “as is” basis. Subject to the exclusion in section 48 and the rights you have under the laws in Singapore, we disclaim all warranties, express or implied, including any implied warranties of non-infringement, merchantability and fitness for a particular purpose.
43. Limitation of liability: Our liability to you in connection with our services or these terms, in contract, tort (including negligence) or otherwise, is limited as follows:
- We have no liability arising from your use of our services for any loss of revenue or profit, loss of goodwill, loss of customers, loss of capital, loss of anticipated savings, legal, tax or accounting compliance issues, damage to reputation, loss in connection with any other contract, or indirect, consequential, incidental, punitive, exemplary or special loss, damage or expense.
- For loss or corruption of your data, our liability will be limited to taking reasonable steps to try and recover that data from our available backups.
- Our total aggregate liability to you in any circumstances is limited to the total amount you paid us for your subscription in the 6 months immediately preceding the date on which the claim giving rise to the liability arose.
Disputes
44. Dispute resolution: If we’re unable to resolve your complaint to your satisfaction (or if we haven’t been able to resolve a dispute we have with you after attempting to do so informally), you and we agree to resolve those disputes through binding arbitration or small claims court instead of in courts of Singapore. If it’s allowed by the laws in Singapore, you and we agree that any dispute must be brought in the parties’ individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. You’re solely responsible for resolving disputes between you and any other subscriber or invited user.
Important housekeeping
Here we set out some additional terms. Take a read as they cover important issues.
45. No professional advice: Just to be clear, Tax Savy isn’t a professional services firm of any sort, and isn’t in the business of giving any kind of professional advice. We may provide you with information we think might be useful in running a tax practice, but this should not be seen as a substitute for professional advice and we aren’t liable for your use of the information in that way.
46. Events outside our control: We do our best to control the controllables. We aren’t liable to you for any failure or delay in performance of any of our obligations under these terms arising out of any event or circumstance beyond our reasonable control.
47. Notices: Any notice you send to Tax Savy must be sent to legalnotices@taxsavysg.com. Any notices we send to you will be sent to the email address you’ve provided us through your subscription.
48. Exclusion: Except for non-excludable guarantees and other rights you have that we cannot exclude by Singapore law, we’re bound only by the express promises made in these terms. Our liability for breach of a non-excludable guarantee is limited, at our option, to either replacing or paying the cost of replacing the relevant service (unless the non-excludable guarantee says otherwise).
49. Blocking your access, disabling your subscription, or refusing to process a payment: We may block your access, terminate your subscription, or refuse to process a payment if we reasonably believe there’s a risk - like a potential breach of a law or regulation - associated with you, your company, your subscription, or a payment. Examples of where we might do this include transactions where the payment is from a sanctioned person or country; or where we reasonably believe there is a legal or regulatory risk or a risk of loss being suffered by us or our customers or partners. You promise that you’re not located in a sanctioned country and are not on a sanctioned persons list. We may also block users from a country if we can’t receive payments from that country. You should check what payment methods are available in your country for making payments. We may take any of these actions without notice.
50. Relationship between the parties: Nothing in these terms is to be construed as constituting a partnership, joint venture, employment or agency relationship between you and us, or between you and any other subscriber or invited user.
51. Transfer of these terms: Tax Savy may transfer these terms - or any of our rights or obligations in these terms - to another entity as it deems appropriate. Where the transfer relates to Tax Savy or a big part of Tax Savy being sold to a third party or merged with a third party, we will give you written notice of that. A subscriber can transfer a subscription to a new subscriber in accordance with section 7.
52. Changes to these terms: We sometimes will decide to change these terms of use. But don’t worry, changes won’t apply retrospectively and, if we make changes, we’ll make every effort to let you know. You can keep track of changes to our terms by referring to the version and the date last updated at the top of the terms. We will reasonably endeavour to provide you with 60 days’ notice of material changes before they become effective, unless we need to make immediate changes for reasons we don’t have control over. When we notify you, we’ll do it by email or by posting a visible notice through our services. If Tax Savy decides in its reasonable discretion that a change isn’t material, we may not notify you. If you find a modified term unacceptable, you may terminate your subscription by giving the standard advance notice to Tax Savy.
53. Enforcement of terms: If there’s any part of these terms that either one of us is unable to enforce, we’ll ignore that part but everything else will remain enforceable.
54. Interpretation: Words like ‘include’ and ‘including’ are not words of limitation and where anything is within our discretion we mean our sole discretion.
55. Tax Savy contracting entities; law and venue: Tax Savy is a brand managed by Savy Solutions Pte Ltd (a Singapore company with the registration no. 202514045R). These terms are governed by the laws of Singapore.