Terms of Service

1. Acceptance of Terms

By accessing and using QuantQuest ("the Service"), a product of Sybil Pte Ltd ("Company", "we", "our", or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service apply to all users of the Service, including without limitation users who are financial advisors, clients, browsers, vendors, customers, merchants, and/or contributors of content.

2. Description of Service

QuantQuest provides a comprehensive financial planning platform designed for financial advisors in Singapore. Our services include:

• Cash flow analysis and projection tools
• Goal planning and tracking capabilities
• CPF (Central Provident Fund) analytics and optimization
• Net worth tracking and Investment Linked Policies visualization
• Client collaboration features

3. User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for safeguarding the password and for all activities that occur under your account.

You agree to:

• Notify us immediately of any unauthorized use of your account
• Not use the Service for any illegal or unauthorized purpose
• Not violate any laws in your jurisdiction
• Maintain the security of your account credentials

4. Financial Advisory Disclaimer

QuantQuest is a tool designed to assist financial advisors in their practice. We do not provide financial advice directly to end clients. All financial advice provided through our platform is the sole responsibility of the licensed financial advisor using our Service.

Financial advisors using our platform must:

• Hold valid licenses and comply with MAS (Monetary Authority of Singapore) regulations
• Ensure all advice given is suitable for their clients' circumstances
• Maintain professional indemnity insurance as required by law
• Not rely solely on our tools for investment recommendations

5. Subscription and Billing

Access to certain features of QuantQuest requires a paid subscription. By selecting a subscription plan, you agree to pay QuantQuest the monthly or annual subscription fees indicated for that service.

Subscription terms:

• Payments will be charged on a pre-pay basis
• Subscription fees are non-refundable except as required by law
• You can cancel your subscription at any time
• We reserve the right to modify pricing with 30 days notice

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of QuantQuest and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

7. Privacy and Data Protection

Your use of our Service is also governed by our Privacy Policy and Data Protection Policy. By using QuantQuest, you acknowledge that you have reviewed and agree to these policies.

We are committed to:

• Protecting client data with industry-standard encryption
• Complying with Singapore's Personal Data Protection Act (PDPA)
• Not selling or sharing personal data with third parties
• Maintaining strict access controls and audit logs

8. Limitation of Liability

To the maximum extent permitted by applicable law, QuantQuest shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

In no event shall our aggregate liability exceed the amount paid by you to QuantQuest in the twelve (12) month period preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless QuantQuest and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms of Service or your use of the Service.

10. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

Upon termination, your right to use the Service will cease immediately. All provisions of the Terms which by their nature should survive termination shall survive termination.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. Any disputes arising from these Terms or the use of the Service shall be subject to the exclusive jurisdiction of the courts of Singapore.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at: