Terms of Service

Last updated: 12 September 2022


The Simple Sum Pte Ltd (“TSS” or “We” or “Us”) owns and operates this website located at https://thesimplesum.com or any subsequent URL as it may be amended to or replaced with (“Website”).

These terms and conditions of service (“TOS”) applies to any user of the Website or otherwise a user of the services (“you” or “User”).  which are available on our website (“Services”).

Please read this TOS carefully before using this Website. By continuing to access, browse, link to, or use this website and any page thereof,  contained hereon, including but not limited to text, content, photographs, video, audio and graphics, or any service on the website, you acknowledge that you have read the TOS and that you agree to be bound by the TOS. If you do not agree to the TOS, please do not use or access the Website.

Our privacy policy also applies to your use of the Website, which is incorporated into the TOS by reference.

TSS operates the Website and shall have the right to change, modify or suspend any aspect or feature of the Website and/or Services. We also reserve the right to amend, remove, or add to the TOS at any time. Such modifications shall be effective immediately. Accordingly, please continue to review the TOS whenever accessing, linking to, or using this Website. By continuing to access, link to, browse or use the Website, or any service on this Website, after the posting of modifications to the TOS will constitute your acceptance of the TOS as modified.


TSS provides a source of information and content through our articles, infographics and tools for consumers which spans across a variety of topics on personal finance so that our readers may be better equipped to navigate and steer their own financial goals. However, the content on our Website should not be treated as or deemed to be treated as financial advice nor should it be relied upon as financial advice. It is your responsibility to seek professional advice prior to making any purchases or subscriptions of a financial product or service.

We reserve the right to suspend, limit or terminate your use and access to the Services, or cancel your account at any time without further notice and for any reason whatsoever.

Intellectual property rights

All intellectual property rights in this Website, including but not limited to text, content, photographs, video, audio, graphics, user interface design, logos net domain names, specifications, know-how, service marks ethical or moral rights hereon and/or the Services (whether or not registered as well as all rights to use for registration) are owned by Us and/or our licensors and all rights are expressly reserved. The Website is also protected as a collective work or compilation under SINGAPORE copyright and other laws and treaties. All individual articles, columns and other elements making up the Website are also copyrighted works. Nothing in this TOS or your use of the Website grants you any rights in the Website or the Services, except as expressly provided for under this TOS.

You acknowledge that the Website has been developed, compiled, prepared, revised, selected, and arranged by TSS, its general and limited partners, and its subsidiaries, and their respective general partners and affiliates and others (including certain other information sources) through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort, and money and constitutes valuable intellectual property of TSS and such others.

For the purposes of safeguarding the interests of other users and to protect our systems and Services, you:

  • may download material from the Website and/or make one print copy for your own personal, non-commercial use, provided that you retain all copyright and other proprietary notices. All Content may not be used for any commercial, business or mass activities without our consent in writing;
  • may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to, link to, create derivative works from, transmit, or in any way exploit any part of the Website without our express consent in writing;
  • agree to acknowledge TSS and/or our licensors as the authors and creators of the Content at all times;
  • may not recirculate, redistribute or publish the analysis and presentation included in the Website without TSS’s prior written consent.
  • shall not use the Website or the Services in any unlawful, fraudulent, improper, unauthorized, harassing, discriminatory, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable manner or in any way that may be harmful or detrimental to our rights (including intellectual property rights) or interests or the rights (including intellectual property rights) or interests of any of our third party providers, or in any manner that could constitute a criminal offence or give rise to civil liability or regulation, in all cases as determined by us.
  • may not use the Services or the Website in any way which compromises, breaches or infringes rights or a third party’s rights;
  • comply with applicable law and regulations when accessing the Services or when uploading User Content to the Website (as defined below).

Restriction of use

The Website and the information contained therein may not be used to construct a database of any kind. Nor may the Website be stored (in its entirety or in any part) in databases for access by you or any third party or to distribute any database services containing all or part of the Website. You may not use the Website in any way to improve the quality of any data sold or contributed by you to any third party.

You may not input, distribute, upload, post, email, transmit or otherwise make available any content through the Website (“User Content”) that: (i) is promotional in nature, including solicitations for funds or business, without the prior written authorization of TSS, or constitutes junk mail, spam, chain letters, pyramid schemes or the like; (ii) is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable; (iii) you do not have the right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); (iv)infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party; (v) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware, or telecommunications equipment; (vi) is harmful to minors; or (vii) constitutes the personally identifiable information of any other person that such person has not authorized you to disclose.

You may not use any of the trademarks, trade names, service marks, copyrights, or logos of TSS in any manner which creates the impression that such items belong to or are associated with you or are used with TSS’s consent, and you acknowledge that you have no ownership rights in and to any of such items.

You irrevocably agree to indemnify TSS  for any claims, liabilities, losses, claims, damages and expenses (including legal fees) arising from or in relation to (i) your use and misuse of the Website (ii) reach of any of the provisions of the TOS; (iii) any infringement of the intellectual property rights of

TSS also reserves the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce the TOS, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect the rights, property or safety of us, our users and the public.

TSS reserves the right to edit, restrict or remove any content you provide for any reason or no reason at any time. The information and materials made available through the Website may contain typographical errors or inaccuracies. In addition, TSS does not control the information provided by other users that is made available through the Platform. TSS reserves the right to refuse service, terminate relationships, and/or cancel orders in its discretion.


You acquire absolutely no rights or licenses in or to the Website and materials contained within the Website other than the limited right to utilize the Website in accordance with the TOS. Should you choose to download content from the Website, you must do so in accordance with the TOS. Such download is licensed to you by TSS only for your own personal, non-commercial use in accordance with the TOS and does not transfer any other rights to you.

If you submit User Content to this site or to TSS or its representative, unless TSS indicates otherwise, you grant to TSS a perpetual, nonexclusive, irrevocable, fully paid, royalty-free, sublicensable and transferable (in whole or in part) worldwide right and license in any and all media, now known or later developed, to use, publish, reproduce, display, modify, transmit digitally, create derivative works based upon, distribute, copy, and otherwise exploit, such User Content for any purpose whatsoever (including, without limitation, advertising, commercial, promotional and publicity purposes) in TSS’s discretion without additional notice, attribution or consideration to you or to any other person or entity. You grant TSS the right to use the name that you submit in connection with such User Content.

Fees and payments

There is currently no subscription fee for the usage of the website. TSS reserves the right at any time to charge fees for access to portions of the Website or the Website as a whole. If at any time TSS requires You to pay a fee to gain access to certain areas of the Website or the Website as a whole, TSS will require you to register and create an user account. You shall pay all fees and charges incurred through your account at the rates in effect for the billing period in which such fees and charges are incurred, including but not limited to charges for any products or services offered for sale through the Website by TSS or by any other vendor or service provider.

No warranty

While we take effort to ensure the accuracy of the Content available on the Website, We do not warrant and hereby disclaim any warranty, express or implied,  as to the accuracy, correctness, reliability, and non-infringement of any information, content, or materials contained on the Website and provide the Services (including content and information) on an “as is” and “as available” basis.

We strive to provide uninterrupted access to our Services but we do not guarantee that the Services will function without interruption or errors.

Third party sites or services

Our Services may provide You with access to third party sites or services (“Third Party Site”). Any access or use of such Third Party Site is entirely at your own discretion and risk.

Further, your use of any Third Party Site shall be governed by the terms and conditions of that website. It is your sole responsibility to review the terms and conditions of the Third Party Site before accessing or using the website.

TSS is not responsible for the availability, content, or accuracy of other Websites, services, or goods that may be linked to, or advertised on, the Website. TSS does not: (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, the Website; (b) guarantee the accuracy, completeness, usefulness or adequacy of any other Websites, services, goods, or advertisements that may be linked to the Website; or (c) make any endorsement, express or implied, of any other Websites, services, goods, or advertisements that may be linked to the Website.

To the extent permissible by law, We disclaim any and all liability for any loss, damage and any other consequence arising from or relating to, whether directly or indirectly, to your access to the Third Party Site or any information you provide to or any transaction conducted on the Third Party Site or any act, omission, default on the part of the third party.

Services that we are not obligated to perform

We have no obligation to monitor or enforce any intellectual property rights that may be associated with User Content, but we have the right to enforce any rights which we may have through any means we see fit. We do not control or endorse all of the content, messages or information found on our Website or external sites that may be linked to or from our Website and, therefore, we specifically disclaim any responsibility with regard thereto.

We have no obligation to accept, display, review, monitor, or maintain any content submitted by users, user forum posts, commentary, ratings or compliments (“Comments”). We have the right to delete content or Comments from our Sites without notice for any reason at any time. We may move, re-format, edit, alter, distort, remove or refuse to exploit content or Comments without notice to you and without liability. Notwithstanding the forgoing rights, we reserve the right to treat content provided by users and Comments as content stored at the direction of users for which we will not exercise editorial control except as required to enforce the rights of third parties and applicable content restrictions below when violations are brought to our attention.

Limitation to liability

To the extent permissible by law, TSS is not liable and assumes no liability for any losses, damages or expense of any kind howsoever caused as a result of the use of or access to the Services, or your inability to use or access the Services, including any loss or damages suffered as a result of relying on the Services, Content, and/or in connection with the TOS.

TSS (and those that TSS works with to provide the services) shall not be liable to you or others for any indirect, incidental, special, consequential or punitive damages, or any loss of data, opportunities, reputation, profits or revenues, related to the services (e.g. offensive or defamatory statements, down time or loss, use of, or changes to, your information or content). This limitation of liability is part of the basis of the bargain between you and TSS and shall apply to all claims of liability (e.g. warranty, tort, negligence, contract, law) and even if TSS or its affiliates has been told of the possibility of any such damage, and even if these remedies fail their essential purpose.

TSS does not warrant that Services are compatible with your equipment or that the Services, or e-mail sent by TSS or its representative, is free of errors or viruses, worms or “Trojan horses,” or any other harmful, invasive, or corrupted files, and is not liable for any damage you may suffer as a result of such destructive features.

Under no circumstances, including but not limited to negligence, shall TSS, its suppliers, agents, directors, officers, employees, representatives, successors, or assigns be liable to you for direct, indirect, incidental, consequential, special, punitive, or exemplary damages even if TSS has been advised specifically of the possibility of such damages, arising from use of or inability to use the website or any links or items on the website or any provision of the TOS, such as, but not limited to, loss of revenue or anticipated profits or lost business. Where applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. In no event shall TSS’s total liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing this site.


You agree, at your own expense, to indemnify, defend and hold harmless TSS, its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns from and against any and all claims, damages, liabilities, costs, and expenses, including reasonable attorneys’ and experts’ fees, arising out of or in connection with the Website, or any links on the Website, including, but not limited to: (i) your use or someone using your computer’s use of the Website; (ii) use by someone using your account; (iii) a violation of the TOS by you or anyone using your computer (or account, where applicable); (iv) a claim that any use of the Website by you or someone using your computer (or account, where applicable) infringes any intellectual property right of any third party, or any right of privacy or publicity, is libellous or defamatory, or otherwise results in injury or damage to any third party; (v) any deletions, additions, insertions or alterations to, or any unauthorized use of, the Website by you or someone using your computer (or account, where applicable); (vi) any misrepresentation or breach of representation or warranty made by you contained herein; or (vii) any breach of any covenant or agreement to be performed by you hereunder. You agree to pay any and all costs, damages, and expenses, including, but not limited to, reasonable attorneys’ fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action, or proceeding attributable to any such claim. TSS reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with TSS in asserting any available defence. You acknowledge and agree to pay TSS’s reasonable attorneys’ fees incurred in connection with any and all lawsuits brought against you by TSS under the TOS and any other terms and conditions of service on this site, including without limitation, lawsuits arising from your failure to indemnify TSS pursuant to the TOS.

Governing law

The TOS shall be governed and construed in accordance with the laws of Singapore. The courts of Singapore shall have exclusive jurisdiction to hear and determine any suit, action or proceeding, and to settle any disputes which may arise out of or in connection with the Website or from a dispute as to the interpretation or breach of the TOS, and for such purposes, you agree to submit to the jurisdiction of the courts of Singapore. Each party hereby waives any objection which it might at any time have to the courts of Singapore being nominated as the forum to hear and determine any proceedings and to settle any disputes.