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Terms of Use

Last updated: 18 November 2025


1. Introduction & Acceptance

 

1.1 These Terms of Use (“Terms”) are a legal agreement between you (“you”, “your”, “User”) and Scenario Studio (“Scenario Studio”, “SS”, “we”, “us”, “our”) and govern your access to and use of the Scenario Studio website, demo platform and full feature platform (collectively, the “Platform”) and any tools, content or services provided through it (the “Services”).

 

1.2 By accessing or using the Platform (including the demo platform) you agree to be bound by these Terms and by our Privacy Policy and Disclaimer, which are incorporated by reference.

 

1.3 If you do not agree with these Terms, you must not access or use the Platform or Services.

 

1.4 We may update these Terms from time to time. We will post the updated version on the Platform with a revised “Last Updated” date. Your continued use of the Platform after any changes take effect constitutes your acceptance of the updated Terms.

 

1.5 You are solely responsible for complying with all laws and regulations that apply to you in your jurisdiction in relation to your use of the Platform and Services.

 

2. About Scenario Studio & Our Services

 

2.1 SS provides a suite of professional-grade finance modelling tools, including without limitation:​

  • Scenario simulator

  • Goal Tracker

 

2.2 The Platform is for education and self-directed analysis only. It does not provide or constitute personalised financial, investment, tax, legal or accounting advice nor is it a substitute for personalized advice from a qualified financial advisor. See the Disclaimer for more detail. 

 

2.3 We may introduce, modify, suspend or discontinue any part of the Platform or Services at any time, temporarily or permanently, with or without notice.

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3. Demo Platform vs Full Feature Platform

 

3.1 Demo platform (free):

  • Available to the general public without sign-up.

  • Let you explore selected tools and features using local/demo data.

  • Does not store your demo inputs on our servers; they are handled via your own browser storage.

 

3.2 Full version platform (all features):

  • Available only to users with an active paid subscription.

  • Requires account registration (email and password).

  • Allows you to save your goal data and certain configuration data to our content management system (“CMS”) so you can revisit and update your analyses.

 

3.3 We may differentiate functionality, limits and support between the demo and full feature versions at our discretion.

 

4. Eligibility & Account Registration

 

4.1 To create an account and use the full feature wealth platform, you must:

  • Be at least 18 years old, and

  • Have the legal capacity to enter into a binding contract with us.

 

4.2 To create an account, you must provide a valid email address and password. You may also choose to add optional data within the Platform (such as nicknames for accounts, the last 4 digits of an account number, goals, net worth breakdowns, etc). You must choose a secure password that is at least 8 characters long, includes at least 1 letter, 1 number and 1 special character, and does not contain spaces. Passwords are case-sensitive. We may refuse or require you to change a password that does not meet these requirements or that we consider insecure.

 

4.3 You agree that all information you provide is true, accurate, current and complete, and you will keep it updated.

 

4.4 You are responsible for maintaining the confidentiality and security of your login credentials, and for all activities carried out under your account. If you suspect unauthorised access or any security incident, you must notify us promptly.

 

4.5 We may, at our discretion, refuse, suspend or terminate any account or access to the Platform if we believe you have breached these Terms, violated applicable law, or acted in a way likely to cause harm to us, the Platform or other users.

 

5. Personal Finance Data & No Bank Portal Connections

 

5.1 The Platform is not connected to any bank, broker or investment platform. We do not request, accept or store your internet banking login credentials or access tokens.

 

5.2 You may manually enter certain high-level, non-login financial information (for example, “Savings – Bank A – last 4 digits 1234 – S$10,000”). This is only for your own modelling purposes.

 

5.3 For data privacy and security reasons, you must not:

  • Enter your full bank account number (unless strictly necessary for your own identification, in which case we advise only the last 4 digits),

  • Enter your internet banking username or password,

  • Enter OTPs, security questions, or any sensitive authentication data, or

  • Attempt to connect or integrate the Platform directly with any real bank or broker portal.

 

5.4 Any breach of this clause is at your own risk and may result in immediate suspension or termination of your access.

 

6. Permitted Use & Restrictions

 

6.1 You may use the Platform solely for your personal, non-commercial financial analysis.

 

6.2 You must not:

a. Use the Platform for any unlawful, fraudulent or malicious purpose.

b. Attempt to circumvent any technical or security measures on the Platform.

c. Copy, modify, reverse engineer, decompile or disassemble any part of the Platform except as allowed by law.

d. Introduce viruses, malware or any harmful code.

e. Use automated means (bots, scrapers, crawlers) to access or interact with the Platform beyond what is necessary for normal use.

f. Misrepresent your identity or affiliation.

 

7. Subscriptions, Payments, Renewals & Cancellations

 

7.1 We offer:

  • One free demo access,

  • Paid monthly subscription plan, and

  • Client-access plan

 

7.2 Paid subscription is billed monthly in advance via our payment processors. Payment processing is subject to the relevant processor’s own terms and privacy policies.

 

7.3 By starting a paid subscription, you authorise us and/or our payment processors to charge the applicable fees to your selected payment method on a recurring, auto-renewing basis, until you cancel.

 

7.4 No refunds:

All subscription fees are non-refundable, including for any unused portion of a subscription period.

 

7.5 Cancellation:

You may cancel your subscription at any time via the Platform (or by contacting us). Your subscription will remain active until the end of the then-current billing month, after which it will not renew and access to paid features may cease or downgrade.

 

7.6 We may change pricing or plan features from time to time. Where legally required, we will notify you in advance and give you an opportunity to cancel before the new pricing takes effect.

 

8. Intellectual Property

 

8.1 All content, features and functionality on the Platform, including but not limited to tools, calculators, models, text, graphics, logos, icons, images, user interface design and underlying software are owned by or licensed to GMW and are protected by copyright, trade mark and other intellectual property laws.

 

8.2 You are granted a limited, revocable, non-exclusive, non-transferable licence to access and use the Platform solely in accordance with these Terms.

 

8.3 You must not reproduce, distribute, publicly display, sell, rent, lease, or create derivative works from any part of the Platform, except where expressly permitted by us in writing.

 

9. Third-Party Services & Links

 

9.1 The Platform may contain links to or integrations with third-party websites or services (such as Wix, Stripe, PayNow or others). These are provided for convenience only. We have no control over and do not endorse or assume responsibility for any third-party services, content, policies or practices.

 

9.2 Your use of third-party services is solely between you and the relevant third party and is governed by that third party’s terms and privacy policy.

 

10. No Advice; Educational Use Only; No Performance Guarantee

 

10.1 The Platform, tools, outputs and all related content are provided for informational and educational purposes only. They are not intended to be and do not amount to:

  • Financial advice;

  • Investment, tax, legal or accounting advice; or

  • A recommendation or opinion on any specific product, portfolio or strategy.

 

10.2 We do not, through the Platform, assess the suitability of any investment or product for you in light of your personal circumstances. If you require personalised financial advice, you should consult a qualified financial adviser. You may contact us separately via the contact form for bespoke advisory services, which are governed by separate agreements.

 

10.3 Any projections, scenario outputs, estimated returns, or forecasts from the tools are illustrative only and based on assumptions that may not materialise. No guarantee is given that any projection, target, or outcome will be achieved. Markets can move against your assumptions and you may suffer losses, including loss of principal.

 

10.4 You are solely responsible for your decisions and for verifying information before acting on it.

 

11. Platform Availability, Technology & Security

 

11.1 We aim to provide a stable and secure Platform, but we do not guarantee that the Platform will be:

  • Uninterrupted or error-free;

  • Secure or free from viruses or other harmful components; or

  • Compatible with all devices or browsers.

 

11.2 Internet and telecommunications services are inherently subject to interruption, delays, errors, data corruption, and other technical issues beyond our control. We are not liable for issues arising from such network or communication failures.

 

11.3 While we take reasonable technical and organisational measures to protect your data, information transmitted over the internet is at your own risk, and we cannot guarantee absolute security.

 

12. Limitation of Liability

 

12.1 To the maximum extent permitted by law, SS and its directors, officers, employees, agents and affiliates shall not be liable for any:

  • Indirect, incidental, special, consequential or punitive damages;

  • Loss of profits, revenue, anticipated savings, business opportunity, goodwill or data;

  • Losses arising from market movements, investment decisions or reliance on any outputs or content from the Platform;

  • Losses arising from any unauthorised access to or use of your account, where we have implemented reasonable security measures; or

  • Losses caused by events beyond our reasonable control (including force majeure events as described below).

 

12.2 To the extent we are found liable despite the above, our total aggregate liability to you for all claims arising out of or relating to the Platform or these Terms shall not exceed the amount of subscription fees paid by you to SS in the one (1) month immediately preceding the event giving rise to the claim (or, if you only use the demo platform, S$0).

 

12.3 Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.

 

13. Indemnity

 

13.1 You agree to indemnify and hold harmless SS and its founder, directors, officers, employees and agents from and against any and all claims, demands, actions, losses, liabilities, damages, costs and expenses (including reasonable legal fees on a full indemnity basis) arising out of or in connection with:

a. Your breach of these Terms or of any applicable law;

b. Your use or misuse of the Platform or Services;

c. Any content or data you submit, store or process through the Platform; or

d. Any claim brought by a third party arising out of your use of the Platform.

 

14. Force Majeure

 

14.1 We will not be liable for any delay or failure to perform our obligations under these Terms where such delay or failure is due to events beyond our reasonable control, including but not limited to natural disasters, war, strikes, civil unrest, power failures, telecommunication or internet failures, or failures of hosting or third-party service providers.

 

15. Changes, Assignment, Severability & Third-Party Rights

 

15.1 Changes: We may update these Terms and/or any aspect of the Services at any time, as described in Clause 1.4.

 

15.2 Assignment: You may not transfer or assign any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations to an affiliate or in connection with a merger, acquisition or sale of assets.

 

15.3 Severability: If any provision of these Terms is found to be invalid or unenforceable, that provision will be severed and the remaining provisions will remain in full force and effect.

 

15.4 No Third-Party Rights: Except for SS’s affiliates and personnel who may enforce the benefit of the limitation and indemnity clauses, no person other than you and SS has any right to enforce any term under the Singapore Contracts (Rights of Third Parties) Act 2001.

 

15.5 Entire Agreement: These Terms, together with the Privacy Policy and Disclaimer (and any additional plan-specific terms you accept), constitute the entire agreement between you and SS regarding your use of the Platform, and supersede any prior understandings.

 

16. Governing Law & Dispute Resolution

 

16.1 These Terms are governed by and construed in accordance with the laws of the Republic of Singapore.

 

16.2 Any dispute arising out of or in connection with these Terms or the Platform shall be subject to the exclusive jurisdiction of the courts of Singapore.

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17. Contact

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17.1 If you have any questions about these Terms, please contact us via the contact form at www.scenariostudio.app/contact-us.

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