Terms of Service
Last Updated: 2024
1. Acceptance of Terms
By accessing and using the website operated by Little Linen (hereinafter "we", "us", or "our"), which focuses on emergency fund creation and expense calculation within the Singaporean context, you agree to be bound by these Terms of Service. These terms constitute a legally binding agreement between you and Little Linen. If you do not agree to these terms, you must cease using our services immediately. Our operations are primarily based in Clementi, Singapore, and your use of this site implies consent to the jurisdiction of Singaporean law.
2. Description of Services
Little Linen provides educational content, digital calculators, and analytical tools designed to help residents of Singapore, particularly those in the West Region (Clementi), manage their personal finances. This includes:
- Emergency fund calculators based on local Singaporean cost-of-living data.
- Educational guides on Singapore Savings Bonds, high-yield bank accounts, and CPF integration.
- Analysis of living expenses specific to the Clementi residential area.
- Risk mitigation strategies for job loss or economic downturns in the SG market.
All tools and data provided are for educational purposes only. We do not provide licensed financial advisory services under the Financial Advisers Act (Cap. 110) of Singapore.
3. Use of Site and Prohibitions
Users are granted a limited, non-exclusive license to access the information provided. You agree not to:
- Use the site for any illegal purpose or in violation of the Personal Data Protection Act (PDPA) of Singapore.
- Attempt to scrape, harvest, or extract data from our calculators for commercial use without prior written consent.
- Impersonate any person or entity or misrepresent your affiliation with Little Linen.
- Distribute malware or interfere with the technical operation of the website.
4. Intellectual Property Rights
The content, including but not limited to text, graphics, logos, calculator logic, and underlying code, is the property of Little Linen and is protected by the Copyright Act 2021 of Singapore and international intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without explicit authorization.
5. Disclaimer of Warranties
The services and information on this website are provided on an "as is" and "as available" basis. While we strive for accuracy regarding Singaporean market data (e.g., MAS rates, HDB rental averages in Clementi), Little Linen makes no warranties, expressed or implied, regarding the completeness, reliability, or accuracy of the information. Financial markets in Singapore are subject to volatility, and past performance is not indicative of future results.
6. Limitation of Liability
To the maximum extent permitted by the laws of Singapore, Little Linen shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:
- Your reliance on any financial calculations or guides provided on the site.
- Any errors or omissions in the content.
- Financial losses incurred due to investment decisions or emergency fund allocations made based on our data.
- Service interruptions or data breaches beyond our reasonable control.
7. Governing Law and Jurisdiction
These Terms of Service are governed by and construed in accordance with the Laws of the Republic of Singapore. Any disputes arising out of or in connection with these terms, including any questions regarding their existence, validity, or termination, shall be referred to and finally resolved by the courts of Singapore. Specifically, matters will be addressed within the jurisdiction applicable to Clementi and the wider Singapore judicial system.
8. Personal Data Protection
Your privacy is important to us. Our collection and use of personal data are governed by our Privacy Policy, which is designed to comply with the Personal Data Protection Act (PDPA) 2012 of Singapore. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
9. Modifications to Terms
Little Linen reserves the right to modify these terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of the site after changes are posted constitutes your acceptance of the amended terms. We recommend checking this page regularly for updates.
10. Contact Information
If you have any questions regarding these Terms of Service, please contact us at:
Company: Little Linen
Address: 441A Clementi Avenue 3, Singapore 121441
Phone: +65 9871 2638
Email: