Effective date: 28/07/2019
Last updated: 28/05/2021
- General Terms & Definitions
For the content which is created on the Planner Bee platform
The information provided on our platform (the “Information”) is intended for general circulation in Singapore, Malaysia, Hong Kong (SAR), Indonesia, Vietnam, Philippines, Thailand, India, Lao People’s Democratic Republic and may only be applicable to the countries mentioned. You should seek advice from a local financial adviser before acting upon any recommendations.
The Information does not constitute an offer or solicitation to buy or sell any investment or insurance or financial product(s). It does not take into account the specific investment objectives, financial situation or particular needs of any person. Investors should seek advice from a financial adviser before investing in any investment products or adopting any investment strategies. In the event that the investor chooses not to seek advice from a financial adviser, he/she should consider whether the product in question is suitable for him/her. The investment product(s) discussed herein or within the Information are subject to significant investment risks, including the possible loss of the principal amount invested. Any examples provided are for illustrative purposes only. Past performance of investment products is not necessarily a guide to future performance. Planner Bee and its affiliates may deal in investment and insurance and other financial products in the usual course of their business, and may at any given time be on the opposite side of trades by investors and market participants. Any statements or information expressed by other organisations are of the respective authors. Planner Bee and its affiliates make no warranty as to the accuracy, completeness, merchantability or fitness for any purpose of the Information or as to the results obtained by any person from the use of any Information or investment product(s) mentioned within the Information.
Planner Bee undertakes no responsibility to update the Information. Planner Bee reserves the right to make changes to the information from time to time. In no event shall the information, its contents, or any change, omission or error in the Information form the basis for any claim, demand or cause of action against Planner Bee and/or any of its affiliates and Planner Bee and/or its affiliates expressly disclaim liability for the same. In the event that the Information or any part thereof is recirculated, transmitted or otherwise distributed in any format to any other person by a recipient, such recipient will have the full responsibility to ensure that such re-circulation, transmission or distribution complies with all applicable laws, rules, regulations and directives in all the relevant jurisdictions. Planner Bee and its affiliates hereby disclaim all responsibility and liability arising in connection with such recirculation, transmission or distribution.
“Agreement” means this Planner Bee Terms of Service and Subscription Agreement.
“App”, singular or plural, refers to any of our html-based computer programs, smartphone, tablet or personal computer applications and all other software programs made available to Planner Bee users by us.
“Planner Bee” is the brand name of the Service offered by Planner Bee Pte Ltd a company incorporated in Singapore, and its group companies.
“Confidential Information” means all information exchanged between the Parties in connection to the Service, whether in writing, electronically or verbally, but does not include information which is, or becomes, publicly available other than through unauthorized disclosure by the other Party. Confidential Information will also include information submitted to the receiving Party by a third party under instruction from, and under confidential obligation with, the disclosing Party.
“Meta data” means statistical collective data among Planner Bee users produced by Planner Bee as part of the Service.
“Party” refers individually to each of you and Planner Bee.
“Parties” refer to both you and Planner Bee collectively.
“Personal Identification Information” means your name, address, identification number, phone number, and/or other information by which you may be personally identified.
“Privacy Statement” refers to the document set out here.
“Service” means the account aggregation, portfolio visualization, analytics and reporting services made available by Planner Bee Pte Ltd to users, under the brand name Planner Bee.
“Subscriber”, “user” or “customer”, capitalized or otherwise, means the person who accesses, uses or subscribes to the Service, and, if authorized and applicable, the entity on whose behalf any person accesses, uses or subscribes to the Service.
“Website”, singular or plural, means www.plannerbee.co and/or any other website and social media pages operated by Planner Bee in relation to the Service.
“You” means the subscriber, user or customer. “Your”, capitalized or otherwise, has a corresponding meaning.
- Acceptance of Terms
Your use of our Websites and/or Service is subject to this Agreement and our Privacy Statement which addresses how we handle and protect your data and information.
Please read this Agreement and our Privacy Statement carefully. By accessing, using and/or subscribing to our Service, Websites and/or App, you understand and agree to be bound by the terms and conditions of this Agreement and our Privacy Statement. If you do not agree to this Agreement or the terms of our Privacy Statement, you are not authorised to use our Service, Websites and/or App. By accepting this Agreement, you represent that you have the capacity to enter, or if you are acting on behalf of a company or entity, that you have the authority to bind such entity, into a legally binding contract, and you agree that this Agreement legally binds you as if such agreement was executed in writing and by your own hand.
- Personal Data Protection Act (PDPA)
Planner Bee is subject to and complies with the Singapore Personal Data Protection Act 2012 (“PDPA”).
The PDPA establishes a general data protection law in Singapore which governs the collection, use and disclosure of individuals’ personal data by organisations. We undertake to protect your personal data in accordance with the PDPA and you can view it here.
- Description of the Service
Planner Bee is a financial account aggregation and portfolio visualization, analytics and reporting service. We provide such services via our various platforms.. We aggregate the financial information that you provide us, or otherwise authorize us to have access to, process the information into an aggregated portfolio and report it on a user-only restricted access area on our Website, Applications (App) and/or our other platforms.
In addition, Planner Bee offers a free and independent online service that allows you to compare banking, insurance and investment products provided by third parties. For the avoidance of doubt, Planner Bee does not carry on an insurance business and all insurance related activities referred to on the Services are carried out solely by our third parties.
Our comparison service is free. We earn money by charging the concerned third-party provider a fee and/or commission for the leads / business generated.
- Registration and Subscription Fee
There is currently no prescribed registration and subscription free for the usage of the Planner Bee website and/or applications. Planner Bee reserves the right to impose fees at a later date, but will seek your agreement before doing so.
- Mobile number for OTP (For sign ups before year 2021 only)
All mobile numbers collected as part of the registration process are for OTP verification purposes only. The data collected is purely operational and Planner Bee will not use it for marketing or commercial purposes unless prior consent was granted.
- Age restriction
We want our Service to be as open and inclusive as possible, but we also want it to be in accordance with the law. You must be at least 17 years old or the minimum legal age in your country to use Planner Bee.
- Terms & Termination
Modification of Terms
We may revise the terms of this Agreement from time to time and the most current version will always be posted on the Website or made available through our various platforms. If the revision is material, we will notify you by e-mail, through any one of the platforms or via other means of communication. That said, you are responsible for checking the terms of this Agreement regularly. By continuing to access or use the Service after revisions become effective, you agree to be bound by the revised terms. If you do not agree to the revised terms, you may cancel your subscription by sending us a request via Planner Bee Website, or by email to email@example.com.
- Your Obligations
(a) Service Access
(i) ensure that your username and password and PIN is required to access the Service is kept secure and confidential at all times and agree to make every reasonable effort to prevent unauthorised third parties from accessing the Service using your username and password. In the event of any unauthorized use of your username and password or any other security breach, you must notify Planner Bee immediately and take all other actions necessary or as required by Planner Bee to maintain the security of the Service.
(ii) not attempt to undermine the security or integrity of Planner Bee’s computing systems or networks where the Service is hosted, or take or permit any action which may impair the functionality of the Service or the Website;
(iii) not attempt to copy, reproduce, reverse engineer or recompile any computer program, design, functionality and any other component of the Service and/or App, or engage in any Automated Data Collection for any purpose whatsoever without our prior express written permission;
(iv) not attempt to gain unauthorized access to any materials other than those contained in your ‘user only’ area or to which you are otherwise expressly permitted to access; and
(v) not transmit or upload into the Service and/or Website any files containing malicious computer codes or any software that may damage our computing systems or networks or any other person’s computing device or any content that may be offensive or any material or data in violation of any law; and
(vi) warrant at all times that any information or data provided by you to Planner Bee in connection with this Agreement is your own, is true and correct, does not infringe any rights, including intellectual property rights or confidentiality rights, of any person and that you are fully entitled to furnish such information or data to Planner Bee for purposes of this Agreement and, for so long as your Account remains in force.
(vii) any reviews uploaded by you onto our website or any of our platforms shall be intended solely for the purpose of responsibly informing other users and members of our platform of your opinion of the financial services and/or products that are the subject of the review. Upon upload, any of your reviews shall be deemed to be the intellectual property of Planner Bee Pte Ltd and by uploading such reviews you warrant that you own the copyright of any content uploaded and thus have the requisite right to transfer and/or assign the same to us. We may use such reviews in whole or in part at our sole discretion (e.g. for marketing, promotion or improvement of our service) on our website or our platform or such social media platforms, newsletters, special promotions, apps or other channels owned, hosted, used or controlled by us and our business partners. We reserve the right to adjust, amend, refuse or remove reviews at our sole discretion. Planner Bee will not accept reviews which: Include profanity, hate speech, threats of violence or personal attacks – Are sexually explicit or discriminatory – Promote illegal activities (e.g. drugs, prostitution) – Contain full names or other personal information such as email addresses, residential addresses or phone numbers – Contain politically sensitive comments.
(b) Usage Limitations
You may only use the Service in accordance with and within the limitations of your Subscription as set out in this clause. You must only use the Service strictly for your or, if you are using our Service for and on behalf of an organization, your organization’s own lawful purposes. You may not purport to licence, sell, lease, outsource or otherwise share or permit the use of the Service to or with any third party, whether or not such actions are undertaken for financial gain. Usage beyond this limitation will result in a suspension or cancellation of your Subscription and you may also be liable for payment of any costs, losses and/or damages that may be suffered by us as a result.
(c) No Financial Advice
You understand and agree that the reports, analyses and other content provided to you by the Service is solely for your own general information purposes and does not constitute financial advice and may not be used by you to make financial or investment decisions, which should be based on your own independent research and analysis. Planner Bee makes no insurance or investment or recommendations of other financial products and offers.
For the avoidance of doubt, information, reviews, comments and/or any statements made on any of our platforms are not intended to constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied on by you in making (or choosing not to make) any specific investment or any other financial decision. Given that the impact and applicability of any views, opinions, comments or other statements made on our platforms vary widely based on your particular circumstances and the particular circumstances of those of other members of the community, you should always carry out your own research into any products or opportunities that are of interest to you.
- Marketing and opting out
We intend to use your personal data for direct marketing (by email, text message, telephone or post) about our products and/or services, but we cannot do so without your consent. You may be asked separately and clearly to indicate your consent by choosing to opt in.
If you have indicated consent, we will be able to help you discover new financial products, and show you third party promotions and offers in your transaction feed displayed on the App. We refer to these promotions and offers as ‘native advertisements’ because they will generally relate to (and be displayed under) the same class of products, services, merchants and/or suppliers which are shown in your online account transaction history. For example, if your transaction history identifies a fashion merchant, we may show you promotions and offers available from that or other fashion merchants. Different classes of products, services, merchants and/or suppliers may include: health and beauty; banking and investment; computer software, hardware and accessories; e-commerce and cloud services; education; entertainment; electronics; fashion; food and beverages; gaming; household; music; sports; social media; technology; travel; and transportation.
We do not disclose your personal data to any third-party advertisers but may provide them with reports based on anonymised or aggregated data. For example, if you redeem an offer advertised via the App, we will provide the advertiser with information that an individual has redeemed the offer as well as the date and amount of the transaction relating the offer redemption, but we do not provide the advertiser with your name or phone number.
If you prefer not to receive any marketing communications, you can opt out at any time by writing to us at firstname.lastname@example.org.
- Ownership and Rights
(iv) If you decide to stop the Service and cancel your Subscription and account, we will delete your Personal Financial Data, from the Service, within a reasonable time. Kindly note that (a) there may be some latency in removing this information from our servers and back-up storage; and (b) we may retain your data and information, and in certain cases, may disclose the same to third parties if necessary to comply with applicable laws and legal obligations, resolving disputes, enforcing this Agreements and protect our intellectual property rights.
(b) Planner Bee’s Intellectual Property
(i) The technology and contents of the Service, including, but not limited to, the “look and feel” (such as text, graphics, images, illustrations, logos, button icons) of our Websites, Applications and all other material, Meta Data, photographs, videos, tutorials, editorial content, notices, software and other content, are the property of Planner Bee (and/or its licensors), which is protected by copyright law of Singapore and international treaties, trademark, patent laws and/or all other intellectual property laws, as may be applicable.
(ii) As part of the Service, Planner Bee grants you a non-exclusive, limited, royalty-free, revocable license, during the term of this Agreement, to use our Websites and App to facilitate your personal, non-commercial use of the Service.
(iii) You acknowledge and agree that Planner Bee and the Planner Bee logo are our trademarks and/or service marks and may not be used by you without our prior written consent.
(iv) Any distribution, reprint or electronic reproduction of any content from the Service, in whole or in part, is strictly prohibited without our prior written consent.
(v) Any reviews, comments or statements uploaded by you onto our website or any of our platforms shall be intended solely for the purpose of responsibly informing other users and members of our platform of your opinion of the [financial services and/or products that are the subject of the review]. Upon upload, any of your reviews shall be deemed to be the intellectual property of Planner Bee and by uploading such reviews you warrant that you own the copyright of any content uploaded and thus have the requisite right to transfer and/or assign the same to us. We may use such reviews in whole or in part at our sole discretion (e.g. for marketing, promotion or improvement of our service) on our website or our platform or such social media platforms, newsletters, special promotions, apps or other channels owned, hosted, used or controlled by us and our business partners. We reserve the right to adjust, amend, refuse or remove reviews at our sole discretion.
Planner Bee will not accept reviews which:
- Include profanity, hate speech, threats of violence or personal attacks.
- Are sexually explicit or discriminatory.
- Promote illegal activities (e.g. drugs, prostitution).
- Contain full names or other personal information such as email addresses, residential addresses or phone numbers.
- Contain politically sensitive comments.
You indemnify us against all costs, losses and damages arising from your breach of any of the Agreement and any other obligation you may have to Us.
- Service “As Is”
Our Service is provided to you on an “as is” basis and, to the fullest extent permissible by law, we make no express or implied warranty as to the accuracy, timeliness, availability or uninterrupted use of the Service. You hereby acknowledge that your use of the services is at your sole risk. Whilst we will use reasonable commercial efforts to ensure that all information from your Personal Financial Data is accurately captured, extracted and/or entered into our system, we do not guarantee the accuracy, integrity or quality of this process or any reports and/or analysis generated by Planner Bee. You are responsible for reviewing and verifying all such reports and/or analysis and promptly informing us of any errors noted. Subject to that, we will take steps to investigate and rectify any confirmed errors as soon as reasonably practicable following receipt of your notification.
- Limitation of Liability
(a) To the maximum extent permitted by law, we will not be liable to you for any loss (including loss of information, data, revenues, profits or savings) or damage resulting, directly or indirectly, from any use of, or reliance on the Service. You assume sole responsibility for results obtained from the use of the Service and the conclusions drawn from such use.
(b) Without limiting clause 11(a), if you suffer loss or damage as a result of our negligence or failure to comply with our obligations under this Agreement, any claim by you against us relating to this Agreement, whether in contract, tort or otherwise, will in any event not exceed in the aggregate of hundred Singapore dollars (S$100).
- Third Party Websites, Content, Products and/or Services
The Services may enable you to link to the websites and to access the content, products and/or services of third parties, including users, advertisers, affiliates and sponsors of such third parties. We have no control over and are not responsible for any such third party websites or content, products or services and you agree to bear all risks associated with your access to and/or use of any such third party websites, content, products and services.
Other companies (“third parties”) may also forward to us additional personal information, (such as, for example, names, mailing addresses and email addresses, as well as demographic and other usage information), when we have news or product offerings that may be of special interest to those individuals. We work to ensure that these third parties have obtained consent before they pass such personal information on to us. Please inform us if you believe we have acquired your personal data this way and you have not given your consent for third parties to do so, as it is not our intent to make use of personal data which has not been legitimately acquired.
We do not disclose your personal data (whether your name, email address, mobile number, date of birth, bank account or credit card numbers) to any other third parties unless stated otherwise. Whilst we may create market reports and provide them to third parties, the reports will only show and be based on anonymised or aggregated data so that users will not be personally identified in these reports.
Any contract to obtain a product will be entered into between you and the relevant provider. All products and services described on the Services or arranged by Planner Bee are subject to the terms and conditions of the contract between you and the applicable provider. You are advised to read these terms and conditions carefully and to satisfy yourself that you understand such terms and conditions thoroughly (and in appropriate cases, seek professional advice on the meaning, operation and substantive effect of these terms and conditions) before you enter a contract for such products or services. If you are in doubt as to your obligations under these Terms and Conditions or if you wish to seek assistance in relation to our services, you are encouraged to contact us.
No insurance coverage or product shall be construed as bound, in force, applied for or assumed as a result of your submission of data to Planner Bee otherwise unless and until notification of coverage has been sent to you by the relevant provider.
Unless otherwise specified, products and services described in this Website are not available to persons who are outside Singapore or to persons who do not possess legal capacity to enter into contracts, such as minors, and accordingly, no contract purported to be entered by these persons will bind Planner Bee.
You agree that submission of your information on our Services shall never in any way be considered as an acceptance of any offer and/or your request to purchase any product or service, and that nothing on the Services shall be treated as an invitation to do any of these actions.
By proceeding with the purchase of products, you authorise Planner Bee to pass your personal data to Stripe, our third party payment gateway service provider (or any replacement or successor payment gateway provider) to charge your credit card account through Stripe for the amount of the insurance premium.
(a) Entire agreement
This Agreement, together with our Privacy Statement, your Subscription and any other notices or instructions given to you under this Agreement, supersedes and replaces all prior agreements, representations (whether oral or written), and understandings and constitutes the entire agreement between you and us relating to the Service and the use of our Websites and Applications.
No waiver of any claim, right or entitlement will be effective unless made in writing. If either Party waives any breach of this Agreement, this will not constitute a waiver of any other or continuing breach.
Neither Party will be liable for any delay or failure in performance of its obligations under this Agreement if the delay or failure is due to any cause outside its reasonable control. This clause does not apply to any obligation to pay money. If the event leading to such delay continues for more than 1 month, either Party will be entitled to terminate this Agreement, upon written notice to the other, whereupon this Agreement shall forthwith terminate with no further claims on the part of either Party but without prejudice to any previously accrued claims.
(d) No Assignment
You may not assign or transfer any rights under this Agreement to any other person without our prior written consent.
(e) Governing law and jurisdiction
This Agreement shall be governed and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with this Agreement, including any question regarding its existence, validity or termination, shall be referred to and resolved by arbitration in Singapore in accordance with the Arbitration Rules of Singapore International Arbitration Centre (“SIAC”) for the time being in force which rules are deemed to be incorporated by reference to this clause. The tribunal shall consist of one (1) arbitrator to be appointed by the President of the SIAC Court of Arbitration. The language of the arbitration shall be in English. The physical venue of the arbitration shall be Singapore. The decision of the arbitrator shall be final and binding on the Parties and may be used (without limitation) as a basis for judgment in any country which has ratified the 1958 New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards.
If any part or provision of this Agreement is invalid, unenforceable or in conflict with the law, that part or provision shall be deemed replaced with a provision which, as far as possible, accomplishes the original purpose of that part or provision or if such replacement is not practicable shall be deemed deleted, in either case without affect the legality and binding nature of the remainder of this Agreement.
Any notice given under this Agreement by either Party to the other must be in writing, by email, or by electronic communication via the Website and will be deemed to have been given on transmission, unless the recipient can satisfactorily establish that the email or electronic communication was not received by the recipient’s email or web server. Notices to us must be sent by email to email@example.com or to any other email address notified by email to you by us, or by electronic communication via the Website from time to time for such purpose. Notices to you will be sent to the email address which you provided when registering for setting up your access to the Service (or to such updated email address as may be notified to us from time to time) or by electronic communication via the Website.
(h) Rights of Third Parties
A person who is not a party to this Agreement has no right to benefit under or entitlement to enforce any term of this Agreement.
(i) Relationship of Parties
You acknowledge and agree that we are merely a service provider in connection with the Service and that nothing in this Agreement shall cause or constitute the Parties to be partners, agents or fiduciaries of, or joint ventures with, each other.