Terms and Conditions

1. Overview

1.1. Welcome to Smart SG Return (the Website).

Contact us by email [email protected]

1.2. The Website provides details about external trading platforms (the Third-Party Platforms) and the services connected to them (the Services).

1.3. These Terms set out the rules for using the Website and Services and create a legally binding contract. If you do not agree, you must stop using the Website. By continuing to use it, you accept these Terms, as amended from time to time. Our Privacy Notice is included here by reference.

2. Who can use the service

2.1. You may access the Website only if you are 18 or older, have the legal capacity to enter into agreements, and are not barred from using it under the laws of your place of residence or access.

2.2. We do not guarantee that the Website or Services are legal for every user or every purpose, and we are not responsible for any unauthorised use.

3. Geographically restricted areas

3.1. We may limit access from certain territories or for any person we reasonably believe could create legal, regulatory, reputational, or financial exposure. Country-specific requirements may also apply.

4. Activities not allowed

4.1. You must not violate anyone's rights; post illegal or damaging material; introduce malware; promote anything without permission; scrape, frame, or mirror the Services; use unauthorised bots; evade security measures; delete ownership notices; access the Services other than through the Website; interfere with other users; use concealed tracking without consent; breach any law; alter code; or attempt to reverse engineer our software.

4.2. If we reasonably suspect that your use of the Website breaches these Terms or applicable law, we may review activity, limit access, disclose information to third parties where permitted by law, and take other steps to protect our interests.

5. Intellectual property rights

5.1. The Website and all content on it are protected by intellectual property rights owned by us or our licensors. Using the Website does not transfer any ownership rights to you, other than a limited licence for personal, non-commercial use.

5.2. You may not copy, alter, share, sell, scrape, decompile, or make derivative works from the content without our prior written approval.

6. Limitation of liability

6.1. You use the Website at your own risk. To the fullest extent allowed by law, the Website and Services are supplied on an "as is" and "as available" basis, with no warranties of any kind.

6.2. We are not responsible for mistakes in content, service outages, or harmful code originating from third parties. You agree to indemnify us for losses resulting from your use of, or reliance on, the Website or Services.

6.3. To the fullest extent permitted by law, we will not be liable for indirect or consequential losses, or for loss of profits or data. If a court does find us liable, our total liability will not exceed USD 100 unless a higher mandatory minimum applies by law.

6.4. We are not liable for telecom outages, network overload, device or browser incompatibility, or any other matters beyond our reasonable control.

7. Third-party content

7.1. Content from third parties may be shown on the Website; we do not control or endorse it, and it may be incomplete or no longer current. Any reliance on it is entirely your decision.

8. External links

8.1. Links to third-party sites are provided only for convenience. We are not accountable for the content or policies of those sites. You follow such links at your own risk.

9. Other terms

9.1. We may modify the Services and revise these Terms by publishing an updated version. Your continued use may be treated as acceptance. These Terms together with the Privacy Policy form the full agreement on this topic.

9.2. Any delay in enforcing a right does not mean we waive it. If any provision is found invalid, the rest will remain effective. We may transfer our rights, but you may not transfer yours without our approval.