Terms of Service

1. About these terms

These terms govern your use of the website at xmultiplysg.space (the "Site"), operated by X Multiply Private Limited ("X Multiply", "we", "us"), a company registered in Singapore under UEN 202622174G.

By using the Site you accept these terms. If you do not accept them, please do not use the Site.

2. Using this website

The Site is provided for general information about our services. You may view, download and print its content for your own reference or for the purpose of evaluating whether to engage us.

3. The nature of our content

Content on the Site is general information, not professional advice. It does not take account of your particular circumstances and should not be relied on as the sole basis for any business, financial, legal or operational decision.

We take reasonable care to keep the Site accurate and current, but we do not warrant that it is complete, accurate, or up to date at any given time. Before acting on anything you read here, seek advice appropriate to your own situation.

4. Enquiries and proposals

Submitting the contact form opens your own email application with a pre-filled message. Nothing is sent to us until you choose to send that email.

Contacting us, and any proposal, quotation or indicative fee we may provide in response, does not by itself create a contract or a client relationship. A relationship arises only when both parties sign a written engagement.

5. Consultancy engagements

Our consultancy services are provided under a separate written engagement agreement that sets out the scope, deliverables, fees, timelines and responsibilities for that particular piece of work.

Where anything in these terms conflicts with a signed engagement agreement, the engagement agreement prevails for that engagement.

Our advisory work is by nature a contribution to your decision-making. Decisions about your business, and responsibility for their outcomes, remain yours.

6. Software services

For some clients we operate software that supports their daily operational reporting. Where we do, the following apply in addition to the engagement agreement:

• The client is responsible for the accuracy of the configuration data they supply, including their list of staff contacts and the numbers on which those staff may be contacted.
• The client is responsible for ensuring they have the necessary basis to have their staff contacted through the service.
• Message delivery depends on third-party messaging platforms and on mobile networks. We do not guarantee that any individual message will be delivered, or delivered at a particular time.
• Figures read automatically from photographs are an aid to reporting and should be checked. We do not warrant that automated reading is free from error.
• The client remains responsible for the accuracy of its own financial and operational records.

7. Acceptable use

You must not use the Site or any service we provide to:

• break any applicable law or regulation;
• send unsolicited marketing, spam, or messages to people who have not agreed to receive them;
• attempt to gain unauthorised access to our systems, accounts or data;
• interfere with the operation, security or integrity of the Site or our services;
• copy, scrape or republish the Site's content for commercial purposes without our written permission.

8. Intellectual property

All content on the Site — text, graphics, logos, layout and software — is owned by X Multiply or used under licence, and is protected by applicable intellectual property laws. The X Multiply name and logo are our marks and may not be used without our written permission.

Ownership of materials produced during a consultancy engagement is determined by that engagement agreement.

9. Third-party services and links

The Site may link to third-party websites, and our services rely on third-party providers for messaging, hosting and processing. We do not control those third parties and are not responsible for their content, availability, or practices. Your use of a third-party service is governed by that party's own terms.

10. Availability

We aim to keep the Site available but do not guarantee uninterrupted access. We may change, suspend or withdraw all or part of the Site at any time without notice. Service levels for a paid service, where any apply, are set out in the relevant engagement agreement.

11. Limitation of liability

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, or for fraud.

Subject to that, and to the fullest extent permitted by Singapore law:

• the Site is provided "as is", without warranties of any kind, whether express or implied;
• we are not liable for any indirect, incidental, special or consequential loss, or for loss of profit, revenue, goodwill, business opportunity or data, arising from your use of the Site;
• our total aggregate liability arising from your use of the Site is limited to SGD 100.

Liability arising from a consultancy or software engagement is governed by the limits set out in that engagement agreement, not by this section.

12. Privacy

Our handling of personal data is described in our Privacy Policy, which forms part of these terms.

13. Governing law

These terms are governed by the laws of Singapore. The courts of Singapore have exclusive jurisdiction over any dispute arising out of or in connection with them.

14. Changes to these terms

We may revise these terms from time to time. The revised version takes effect when published on this page, and the date at the top will change. Continuing to use the Site after that constitutes acceptance of the revised terms.

15. Contact