Clear, fair, honest.

Hingfluence provides digital tools that help you visualise and understand your insurance protection and your Singapore Permanent Residence profile readiness. The Services are educational and informational only. Hingfluence is not a licensed financial adviser, insurance broker, or insurer regulated by the Monetary Authority of Singapore (MAS), and is not an immigration law practice. We do not sell insurance and we are not affiliated with the Immigration and Checkpoints Authority (ICA).

• · The Services do not constitute financial advice, investment advice, insurance advice, legal advice, or immigration advice
• · They are not a substitute for advice from a qualified, licensed professional who knows your full circumstances
• · They do not guarantee any insurance, financial, or immigration outcome

Our analysis references publicly available Singapore material, including MoneySense, MAS guides, CPF, MOH, LIA, ICA, and MOM publications. Assumptions are clearly labelled. See also our Disclaimer.

• · Provide accurate and complete information when using the Services
• · Use the Services only for your own personal, non-commercial purposes
• · Do not abuse the platform (spam, scraping, reverse engineering, security attacks, or automated bulk access)
• · Do not upload content that you have no right to share or that infringes another person's rights
• · Be respectful when interacting with our team and consultants

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. We may suspend or terminate accounts that breach these Terms or that we reasonably believe are being used fraudulently or unlawfully.

The premium report is a one-time S$19.90 SGD charge processed by Stripe. There is no subscription. If something goes wrong with your purchase, write to hello@hingfluence.com within seven days of payment and we will review and, where appropriate, refund you. Consultations booked through the website are free unless expressly stated otherwise.

All content on the Services, including scoring methodologies, text, designs, graphics, logos, and software, belongs to Hingfluence or its licensors and is protected by intellectual property laws. You may not copy, reproduce, republish, or commercially exploit any part of the Services without our prior written consent, except for your own personal reports and results.

The Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

To the maximum extent permitted by Singapore law, Hingfluence and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, savings, data, or opportunity, arising from or in connection with your use of the Services or any decision you make based on them. Our total aggregate liability for all claims arising out of or relating to the Services will not exceed the amount you paid us in the twelve months before the claim arose, or S$100 if you have not paid us anything. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

You agree to indemnify and hold Hingfluence harmless from any claims, losses, and expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services, or your infringement of any third-party rights.

The Services rely on third-party providers such as Google Firebase and Stripe, and we advertise on Meta platforms (Facebook and Instagram). Your use of those platforms is governed by their own terms and policies. Our Services are not endorsed, administered by, or associated with Meta.

We may modify or discontinue any part of the Services at any time. If we make material changes to these Terms, we will post the updated version on this page and, for account holders, email you at least 14 days before the change takes effect. Continued use of the Services after changes take effect constitutes acceptance.

These Terms are governed by the laws of the Republic of Singapore. Any dispute arising out of or in connection with these Terms or the Services will be subject to the exclusive jurisdiction of the courts of Singapore. If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force.

Questions about these Terms? Write to hello@hingfluence.com. We reply to every email.