Last updated: August 2026
If there is any conflict between the English and Chinese versions, the English version shall prevail.
These Terms of Service ("Terms") form a legally binding agreement between you and 1965 Intelligence Pte. Ltd. (UEN [UEN], registered address [Registered Address], Singapore) ("we", "us", "our"), which provides a subscription-based financial planning tools platform for financial advisors worldwide (the "Platform"). By registering an account or using the Platform, you agree to be bound by these Terms; if you act on behalf of an entity, you represent and warrant that you have authority to bind that entity to these Terms.
The Platform is currently in beta testing. Features are still under development and may change, be suspended, or be withdrawn without notice, and calculations or outputs may contain errors. The Platform is provided on an "as is" basis during this period, and you should verify any output before relying on it. If you run into any issue or bug, please report it to us at support@1965intelligence.sg — feedback during beta goes straight into what we build next.
You must be at least 18 years old and have the legal capacity to enter into a binding contract to use the Platform. You must create an account to use our tools. You are responsible for keeping your account credentials confidential and for all activity that occurs under your account. Each account is for use by one individual and may not be shared or transferred. If your account was opened on your behalf by our sales team, these Terms bind you from your first sign-in.
The Platform lets you store and process personal data about your own clients (for example, date of birth, income, household details). In respect of that data, you, not us, are the data controller under Singapore's Personal Data Protection Act (PDPA) or any equivalent law in your jurisdiction; we act only as your data intermediary, processing that data on your instructions. You represent and warrant that: (a) you are entitled to enter that data into the Platform; (b) you have obtained any consent or other lawful basis required under applicable law from the individual concerned; and (c) entering that data does not breach any duty of confidentiality you owe to that individual. See our Privacy Policy for details.
Paid plans are billed monthly or annually through our payment processor, Airwallex. Founding member pricing remains locked for as long as your subscription stays active without a lapse. You may cancel at any time; access continues until the end of the current billing period, and fees already paid are non-refundable except where required by law or as we otherwise state. Promotional codes may carry additional conditions and may be withdrawn or expire at any time. We may adjust pricing for future billing periods with advance notice.
You agree to use the Platform only for lawful financial planning purposes. You may not: reverse-engineer, decompile, or attempt to extract source code from the Platform; resell, rent, or transfer access; attempt to circumvent plan limits or authentication mechanisms; upload malicious code or interfere with the Platform's operation; or use the Platform for any unlawful, fraudulent, or rights-infringing activity.
The Platform, its software, design, and content (excluding client data you enter) are owned by us or our licensors. We grant you a non-exclusive, non-transferable licence to access and use the Platform as intended for the duration of your subscription. You retain ownership of client data you input or upload; you grant us a limited licence to process that data solely for the purpose of providing the Platform to you.
1965 Intelligence provides financial planning tools for illustrative and educational purposes only. Nothing on the Platform constitutes financial advice, a recommendation, or an offer under the Financial Advisers Act (Cap. 110, Singapore) or any equivalent legislation in your jurisdiction. All projections and calculations are based on user-supplied assumptions, and we make no representation or warranty as to their accuracy, completeness, or suitability for any particular individual's circumstances. Consult a licensed financial adviser before making investment or financial decisions. The Platform is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied.
To the maximum extent permitted by applicable law, we are not liable for any indirect, incidental, special, or consequential damages (including loss of profits or data) arising from use of or inability to use the Platform, and our total liability for any claim arising out of these Terms will not exceed the total fees you paid us in the twelve (12) months preceding the event giving rise to the claim. Nothing in this section excludes or limits liability for fraud or any liability that cannot be excluded under applicable law. You agree to indemnify and hold us harmless against third-party claims arising from your breach of these Terms, the manner in which you entered client data, or your breach of any duty owed to a third party.
You may terminate this agreement at any time by cancelling your subscription. We may suspend or terminate your account if you materially breach these Terms (including the acceptable use provisions in Section 5) and fail to remedy the breach within a reasonable period after notice; we may suspend or terminate immediately, without prior notice, in cases involving fraud, security threats, or where required by law. What happens to data on termination is set out in our Privacy Policy.
These Terms are governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law principles. Any dispute arising out of or in connection with these Terms shall first be referred to good-faith negotiation between the parties; if unresolved, it shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the SIAC Rules for the time being in force, which rules are deemed incorporated by reference into this clause, with the seat of arbitration in Singapore and the language of arbitration in English.
We may update these Terms from time to time. Material changes will be communicated by email or in-platform notice, with reasonable advance notice before they take effect. Continued use of the Platform after a change takes effect constitutes acceptance of the updated Terms; if you do not agree to a change, you may cancel your subscription before it takes effect.
For questions about these terms, contact support@1965intelligence.sg.