Legal Framework

Terms of Service

Name: DisenHub
Address: 1 Raffles Place, Singapore 048616, Singapore
Telephone: +65 6220 9024

Clear terms and conditions governing your use of DisenHub's financial guidance platform, tools, and resources.

Review terms

Last Updated Apr 2026

Version 1.2

Jurisdiction Singapore

What You Need to Know

How These Terms Work

DisenHub provides financial education, guidance, and planning tools to help small business owners in Singapore manage their cash flow, budgets, and growth strategies. These terms set out the rights and responsibilities of both DisenHub and our users.

Service Type

Educational

User Status

Voluntary

Governed by

Singapore Law

Core Terms

1. Use of Service

By accessing and using DisenHub, you agree to be bound by these terms and conditions. You must be at least 18 years old and have the legal capacity to enter into a binding agreement.

You agree to use this service only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our online communities.

DisenHub reserves the right to deny access to users who violate these terms or engage in harmful behavior.

2. Educational Use Only

All content, guidance, tools, and materials provided by DisenHub are for educational and informational purposes only. They are not professional financial advice, tax advice, legal advice, or investment advice.

DisenHub does not provide personal financial or tax planning services. Users should consult with qualified professional advisors—including accountants, financial planners, and lawyers—before making any significant financial, tax, or business decisions.

Past performance or examples in case studies do not guarantee future results. Financial outcomes depend on many factors specific to each business and owner.

3. No Warranties or Guarantees

DisenHub provides the service "as is" and makes no warranties, express or implied, about the accuracy, completeness, timeliness, or fitness for a particular purpose of any content or tool.

We do not warrant that the website will be error-free, uninterrupted, or secure. We do not guarantee that defects will be corrected or that the service will meet your specific requirements.

DisenHub is not responsible for losses, damages, or missed opportunities resulting from your reliance on or use of content, calculators, or guidance provided on the platform.

4. Limitation of Liability

To the maximum extent permitted by Singapore law, DisenHub and its directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use the service, even if DisenHub has been advised of the possibility of such damages.

This limitation applies to damages arising from any cause whatsoever, whether in contract, tort (including negligence), warranty, strict liability, or any other legal theory.

Some jurisdictions do not allow limitation of liability, so this clause may not apply to you in full.

5. Your Responsibilities as a User

You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account. You must notify DisenHub immediately of any unauthorized use.

You agree not to attempt to gain unauthorized access to DisenHub's systems, disrupt service, or use automated tools to scrape or extract data without permission.

You are responsible for your own financial, tax, and legal decisions. DisenHub does not assume responsibility for financial outcomes or consequences resulting from your use of the service or reliance on content provided.

6. Intellectual Property Rights

All content on DisenHub—including text, graphics, logos, images, articles, calculators, tools, and software—is the property of DisenHub or its content suppliers and is protected by international copyright laws.

You may view, print, and download content for personal, non-commercial use only. You may not reproduce, distribute, transmit, or modify content without express written permission from DisenHub.

Tools and calculators on the platform are for your personal use. Reproduction or commercial use of these tools requires written permission.

7. Third-Party Links and Content

DisenHub may contain links to third-party websites, resources, and services. We do not endorse these external sites and are not responsible for their content, accuracy, or practices.

Your use of third-party websites is governed by their own terms and conditions. We recommend reviewing their privacy and terms policies before providing personal information.

DisenHub is not liable for any harm or loss resulting from your interaction with third-party websites or services accessed through our platform.

What We Do and Don't Do

We Don't Provide

• Professional financial or tax advice

• Personal investment recommendations

• Legal advice or services

• Guarantees on financial outcomes

• Management of your finances or accounts

• Replacement for qualified professional advisors

We Do Provide

• Educational content on cash flow and budgeting

• Financial planning tools and calculators

• Practical guidance for small business owners

• Resources to help you understand key concepts

• Case studies and real-world examples

• Support to make informed decisions

Your Data and Privacy

Data and Privacy

DisenHub collects and processes personal data as described in our Privacy Policy. By using this service, you consent to our data handling practices as outlined in that policy.

We are committed to protecting your information in accordance with Singapore's Personal Data Protection Act (PDPA) and other applicable data protection laws.

For detailed information about how we collect, use, store, and protect your data, please review our full Privacy Policy.

Cookies and Tracking

DisenHub uses cookies and similar tracking technologies to enhance your experience, remember preferences, and analyze site usage.

You can control cookie settings through your browser. For more details about our use of cookies, please refer to our Cookie Policy.

Disabling cookies may affect your ability to use certain features of the platform.

Updates and Termination

Changes to These Terms

DisenHub reserves the right to modify these terms and conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the service following any modifications constitutes your acceptance of the updated terms.

We recommend reviewing these terms regularly to stay informed of any changes. If you do not agree with updated terms, you should discontinue using the service.

Termination of Service

DisenHub may suspend or terminate your access to the service at any time, for any reason, with or without notice, including if you violate these terms or engage in prohibited conduct.

Upon termination, your right to use the service ceases immediately. Any provisions that by their nature should survive termination will remain in effect, including limitation of liability and intellectual property rights.

Indemnification

You agree to indemnify and hold harmless DisenHub, its directors, employees, and agents from any claims, losses, damages, and expenses (including legal fees) arising out of or related to your use of the service, violation of these terms, or infringement of any third-party rights.

Governing Law & Jurisdiction

These terms and conditions are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law principles.

Any legal action or proceeding related to these terms shall be exclusively brought in the courts of Singapore. You agree to submit to the jurisdiction of the Singapore courts and waive any objection to venue or inconvenient forum.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Questions About These Terms?

Contact our team for clarification or to report concerns about our service terms and conditions.

Get in Touch Back to Home

Address

1 Raffles Place
Singapore 048616
Singapore

Contact

Phone: +65 6220 9024
Email: [email protected]

Hours

Monday–Friday
09:00–18:00 SGT
Singapore Time

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