Terms of Use &
Privacy Policy

These Terms of Use and Privacy Policy (together, "Terms") govern your access to and use of the website at russolutions.com and any tools, features, or services made available through it (collectively, the "Service"). The Service is operated by Russell [Surname] trading as Russolutions ("Russolutions", "I", or "me"), based in Singapore.

By accessing or using the Service in any way — including browsing the site, running a tool, creating an account, or purchasing credits — you agree to be bound by these Terms. If you do not agree, do not use the Service.

These Terms form a legally binding agreement. If you are accessing the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms, and references to "you" include that organisation.

The Service provides computational tools that process input data according to built-in rules and return structured outputs. These outputs are not tax advice, legal advice, accounting advice, or professional advice of any kind.

Nothing in the Service, or in any output produced by the Service, constitutes or should be relied upon as:

• advice on the application of any provision of the Income Tax Act 1947 (Singapore) or any subsidiary legislation
• advice on any tax position, treatment, or filing
• a representation that any classification, calculation, or output is correct or suitable for any particular purpose
• guidance that creates a duty of care on the part of Russolutions toward you or any third party

Use of the Service does not create, and is not intended to create, any advisory relationship, professional relationship, or client relationship of any nature between you and Russolutions, whether under the Singapore Legal Profession Act, the Accountants Act, or any other applicable law or professional framework.

I hold an Accredited Tax Advisor designation. That designation relates to my knowledge and background — it does not mean the Service is providing advice, and it does not extend any professional duty to users of the Service.

The Service is intended for tax professionals, accountants, and finance practitioners operating in or in relation to Singapore. It is not designed for, and you should not rely on it as, a consumer tool for personal tax matters.

You must be at least 18 years old to create an account or purchase credits. By registering, you confirm that you meet this requirement.

Business use only. By using the Service, you represent and warrant that you are accessing it solely for business, commercial, or professional purposes, and not as a personal consumer. If you are using the Service as a consumer, you may have additional rights under applicable law that these Terms do not limit — but the Service is not designed for that use and you should seek appropriate professional advice instead.

The Service is made available on a best-efforts basis. I do not guarantee availability at any particular time and reserve the right to restrict or terminate access for any reason, including abuse, suspected fraudulent activity, or non-compliance with these Terms.

Certain features — including credit purchases and export functionality — require you to register for an account. You agree to:

• provide accurate and complete registration information
• register using a business or professional email address — not a personal email address (e.g. Gmail, Hotmail, Yahoo). This is consistent with the professional-use-only nature of the Service and ensures your email address falls outside the scope of the Singapore Personal Data Protection Act 2012 as it relates to personal consumer data
• keep your password confidential and not share access with others
• notify me promptly at the contact address in Section 15 if you suspect unauthorised access to your account
• take responsibility for all activity that occurs under your account

Accounts are personal to you. You may not transfer your account or sell access to it. I reserve the right to suspend or terminate accounts that are shared, abused, or used in violation of these Terms.

The first free credit is limited to one per individual. Attempts to claim multiple free credits through multiple registrations will result in account suspension.

How credits work. The Service operates on a credit model. Running and viewing analyses is free and does not consume credits. Generating an export (a formatted PDF workpaper or structured output file) consumes credits at the rate displayed within each tool at the time of export. The credit cost is shown to you before you confirm the export — you are not charged until you proceed.

Pricing. Credits are priced at S$10 per single credit, or S$100 for a pack of 12 credits (10 purchased plus 2 bonus). Prices are displayed in Singapore Dollars (S$) and include any applicable Singapore Goods and Services Tax (GST) unless otherwise stated. I reserve the right to change pricing at any time, but changes will not affect credits you have already purchased.

Payments. Payments are processed by Stripe, Inc. By completing a purchase, you also agree to Stripe's terms of service and privacy policy. I do not store your payment card details. Stripe processes payment information directly.

No refunds. Credits are non-refundable once purchased, except where required by applicable Singapore consumer protection law. If a technical error on my part causes a credit to be consumed without producing a valid export, I will restore that credit to your account — contact me at the address in Section 15 within 14 days of the error. Claims submitted after that window cannot be honoured.

Browser and environment responsibility. The Service runs in your browser. I am not responsible for credit loss, export failure, or degraded performance caused by your browser version, browser extensions (including ad-blockers or script-blockers), firewall or network restrictions, disabled JavaScript, hardware limitations, or the unavailability of Stripe's payment infrastructure. If an export fails due to a local environment issue, the credit consumed is not refundable under the technical error policy above.

Credits never expire. Purchased credits do not have an expiry date and will remain in your account until used, unless your account is terminated for breach of these Terms.

Free credits. Complimentary credits (including the sign-up credit and pack bonuses) are granted at my discretion and may be withdrawn or modified at any time for new users. Complimentary credits already issued to an account are yours to keep.

Price changes. I reserve the right to adjust pricing for future purchases. Your existing credit balance is always honoured at the rate you paid — that commitment is fixed regardless of any future pricing changes.

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

• use the Service to prepare, facilitate, or assist any fraudulent, misleading, or unlawful tax filing
• attempt to reverse-engineer, decompile, or extract the rules engine, classification logic, or any proprietary component of the Service
• scrape, systematically download, or attempt to copy the Service's output at scale by automated means
• attempt to circumvent any access control, credit mechanism, or authentication system
• use the Service in a way that could damage, disable, or impair its performance or interfere with other users
• misrepresent the source or nature of outputs produced by the Service — for example, by presenting them as professional advice or as the independent work product of a third party without appropriate qualification

I reserve the right to suspend or terminate access for any user who violates these restrictions, with or without notice.

The Service, including its design, rules engine, classification logic, source code, user interface, and all associated content, is the intellectual property of Russolutions and is protected by applicable copyright, trade secret, and other laws.

Nothing in these Terms grants you any ownership interest in the Service or any licence to use Russolutions's intellectual property beyond the limited right to use the Service as described here.

Your data and outputs. You retain ownership of the financial data you input into the Service. Exports and structured outputs generated by the Service from your data belong to you. You grant me a limited, non-exclusive licence to process your input data solely to provide the Service to you.

Analysis and classification processing occurs client-side in your browser (see Section 8). For export generation, the relevant data is transmitted via HTTPS to a serverless function, processed in memory, and immediately discarded — it is not written to any database or storage layer. The licence above covers both stages of processing and is not a grant of any ongoing access to your data.

Your financial data is never stored. Analysis and classification run entirely within your browser — at that stage, no financial data, general ledger entries, income statement figures, or client data leaves your machine. For export generation, the relevant data is transmitted via HTTPS to an isolated serverless function hosted on Vercel, processed in memory to produce your export, and immediately discarded. Nothing is written to a database or storage layer at any point. This is an architectural design decision. For a step-by-step breakdown of how data moves through the Service, see the Data Policy.

What I do collect. When you create an account or contact me through the site, I collect:

• your email address, used to manage your account and send transactional messages (account confirmation, credit purchase receipts). As required under Section 4, this must be a business or professional email address. Business email addresses used in a professional capacity are generally outside the scope of the PDPA's personal data protections
• your credit balance and transaction history, stored to maintain your account
• standard web server logs (IP address, browser type, pages visited, timestamps), retained for security and diagnostic purposes

Payment data. I do not collect or store payment card information. All payment processing is handled by Stripe. Stripe may collect and retain payment information subject to its own privacy policy.

How I use your data. I use the information I collect to operate the Service, process transactions, send necessary account communications, and improve the Service. I do not sell your data, use it for targeted advertising, or share it with third parties except as necessary to operate the Service (e.g., Stripe for payment processing).

Data retention. I retain account data for as long as your account is active. If you request account deletion, I will delete your personal data within 30 days, subject to any legal retention obligations. Anonymised or aggregated usage data may be retained indefinitely.

Your rights under the PDPA. Under the Singapore Personal Data Protection Act 2012 ("PDPA"), you have the right to request access to, correction of, or withdrawal of consent for the processing of your personal data. To exercise these rights, contact me at the address in Section 15. I will respond within 30 days.

Cookies. The Service uses cookies strictly necessary for session management and authentication. I do not use tracking cookies or third-party analytics cookies. If you block all cookies, the free tools will still work; account-based features require a session cookie to function.

The Service is provided "as is" and "as available", without warranty of any kind, express or implied.

To the fullest extent permitted by Singapore law, I disclaim all warranties in relation to the Service, including but not limited to:

• any implied warranty of merchantability, fitness for a particular purpose, or non-infringement
• any warranty that the Service will be uninterrupted, error-free, or free from bugs, viruses, or other harmful components
• any warranty as to the accuracy, completeness, reliability, or currency of any output produced by the Service
• any warranty that the classification rules reflect current IRAS guidance or the current state of Singapore tax law

Tax law changes. IRAS administrative positions change. The rules engine is updated on a best-efforts basis, but there will be periods where it does not reflect the most recent guidance. You are responsible for verifying that any output is consistent with the current state of the law before relying on it.

I also disclaim any warranty in relation to the performance or availability of third-party services that the Service depends on, including Stripe for payment processing and any browser or device environment outside my control.

To the fullest extent permitted by applicable law, My total liability to you for any claim arising out of or in connection with these Terms or your use of the Service — whether in contract, tort (including negligence), or otherwise — shall not exceed the total amount you have paid to me in the twelve months immediately preceding the event giving rise to the claim, or S$100, whichever is lesser.

I will not be liable, under any circumstances or legal theory, for:

• any loss of profits, revenue, business, or goodwill
• any loss of data or corruption of data
• any indirect, special, incidental, punitive, or consequential damages
• any penalties, interest, or additional tax arising from an incorrect tax filing, even if the filing was prepared using outputs from the Service
• any loss arising from your reliance on an output that you did not independently verify before use

Nothing in this Section excludes liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded under Singapore law.

You agree to indemnify, defend, and hold harmless Russolutions from and against any claims, damages, losses, penalties, and expenses (including reasonable legal costs) arising from:

• your use of the Service in violation of these Terms
• any tax filing or professional output you prepare using outputs from the Service
• any representation you make to a client or third party regarding outputs produced by the Service
• your breach of any applicable professional or legal obligation

I reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. This includes changing, removing, or adding features, tools, or pricing tiers.

If I discontinue the Service entirely and you have an unused paid credit balance, I will provide at least 60 days' notice via the email address on your account and offer a refund of the proportional value of any unused purchased credits (excluding complimentary credits). This is the sole remedy available to you in the event of service discontinuation.

Tools marked "Coming" on the site are planned but not committed. I make no representation that they will be built, delivered by any particular date, or built in any particular form.

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

Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be submitted to the exclusive jurisdiction of the courts of Singapore.

Before commencing any formal proceedings, both parties agree to attempt to resolve the dispute informally for a period of at least 30 days from the date written notice of the dispute is given to the other party. Notice to Russolutions should be sent to the contact address in Section 15. Only after that 30-day period has elapsed without resolution may either party initiate formal legal proceedings.

I may update these Terms from time to time. When I do, I will update the effective date at the top of this page. If the changes are material — meaning they substantially affect your rights or the cost of using the Service — I will send a notice to the email address on your account at least 14 days before the changes take effect.

Your continued use of the Service after the effective date of any updated Terms constitutes your acceptance of the updated Terms. If you do not agree to the changes, you should stop using the Service before the effective date and, if applicable, contact me to arrange a refund of any unused purchased credit balance.

For questions about these Terms, privacy requests, credit disputes, or anything else related to the Service, contact me at:

Email: russ@russolutions.sg
Operating as: Russolutions, Singapore
Response time: I aim to respond within 5 business days.

For PDPA-related requests specifically, please include "PDPA Request" in the subject line so I can prioritise it and respond within the statutory timeframe.