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.sg and any tools, features, or services made available through it (collectively, the "Service"). The Service is operated by Russell Sim 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, or verifying an email — 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 Legal Profession Act 1966, the Accountants Act 2004, 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 has two kinds of tools. The tax and accounting tools — computations, workpapers, extractions, and similar — are intended for tax professionals, accountants, and finance practitioners operating in or in relation to Singapore; they are not consumer tools for personal tax matters, and by using them you represent that you do so in a professional capacity. The lessons and general-purpose tools are open to any individual user.

The Service is provided free of charge. You must be at least 18 years old to use its gated features; by verifying an email address, you confirm that you meet this requirement.

Individual use, in a professional capacity. The Service is provided for your own individual use. You may not resell access, white-label the tools, integrate them into a paid product or service, or hold them out as your own or your firm's infrastructure. When you use the tax and accounting tools, you do so in a professional capacity, not as a personal consumer — they are designed for people qualified to evaluate their outputs. If you nonetheless use them as a consumer, you may have rights under applicable law that these Terms do not limit — but those tools are not designed for that use.

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.

There are no user accounts and no passwords. A few tools ask you to verify an email address with a one-time code before unlocking their full output. When you do, you agree to:

• provide an email address that is accurate and yours to use
• verify with a business or professional email address where you have one — used in a professional capacity, it generally falls outside the scope of the Singapore Personal Data Protection Act 2012 as it relates to personal consumer data, which fits how this Service treats data: nothing personal, nothing retained beyond the email itself
• take responsibility for activity that occurs in your verified session
• notify me promptly at the contact address in Section 15 if you believe your email has been used to verify without your authority

Verification is personal to you. I reserve the right to suspend or withdraw access for verified emails that are shared, abused, or used in violation of these Terms.

No consideration. The Service is provided entirely free of charge: nothing on this site asks for money, no payment details are collected, and nothing is sold. Because no consideration passes between us, the Service is a personal showcase made available as a courtesy, on an as-is, as-available basis. This is the basis on which the warranty disclaimer (Section 9) and the exclusion of liability (Section 10) are given.

Browser and environment responsibility. The Service runs in your browser. I am not responsible for export failure or degraded performance caused by your browser version, browser extensions (including ad-blockers or script-blockers), firewall or network restrictions, disabled JavaScript, or hardware limitations.

If that ever changes. Should any part of the Service introduce paid features in the future, these Terms will be updated first and the change flagged under Section 14. Until then, free means free.

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 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.

Processing happens in two places: much of it client-side in your browser, and — where a tool's proprietary classification, parsing, or calculation logic requires it — in an isolated serverless function that receives the relevant data via HTTPS, processes it in memory, and immediately discards it (see Section 8). Nothing is written to any database or storage layer at either stage. 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. Much of each tool's processing runs entirely within your browser — at that stage, no financial data, general ledger entries, income statement figures, or client data leaves your machine. Where a tool's proprietary classification, parsing, or export logic requires it, the relevant data is transmitted via HTTPS to an isolated serverless function hosted by a third-party cloud provider, processed in memory, 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 verify an email or contact me through the site, I collect:

• your email address, used solely to send the one-time verification code and to see which tools get used. A business or professional email address is preferred (see Section 4); used in a professional capacity, such addresses are generally outside the scope of the PDPA's personal data protections
• standard web server logs (IP address, browser type, pages visited, timestamps), retained for security and diagnostic purposes

How I use your data. I use the information I collect to operate the Service and improve it. I do not sell your data, use it for targeted advertising, or share it with third parties except as necessary to operate the Service.

Data retention. I retain verified email addresses until you ask for them to be removed. On request, 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 responsibility for what you upload. The data you input remains yours to govern. You represent that you are authorised — under the PDPA, your client engagements, and any applicable professional obligations — to process whatever you upload, and that you will leave out or anonymise anything a job does not need. The Service stores none of it either way, but data hygiene starts on your side of the upload.

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 tools will still work; email-gated 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 hosting infrastructure and any browser or device environment outside my control.

The Service is provided free of charge, without consideration, and on an as-is basis. Accordingly, to the fullest extent permitted by applicable law, I accept no liability to you whatsoever 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. You use the Service entirely at your own risk.

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
• any data you upload that you were not authorised to process
• 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 or tools.

Because the Service is free, discontinuation — of any tool or of the Service entirely — gives rise to no compensation or remedy. Nothing is owed, because nothing was paid.

Tools and lessons marked "In development" or "Coming soon" 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 — I will flag them prominently on this page at least 14 days before they 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.

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

Email: russell@russolutions.sg
Operating as: Russolutions, Singapore
Response time: I read everything; replies usually come within a week — this is one person, after hours.

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