Terms of Service
1. Acceptance of Terms
By accessing and using HDB Calculator SG (https://hdbcalculator.com/), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our site.
2. Informational Use Only
All content, tools, calculators, and materials on HDB Calculator SG are provided for general informational and educational purposes only. Our calculators produce estimates based on publicly available HDB, CPF Board, and Monetary Authority of Singapore (MAS) guidelines. These estimates are not official and should not be relied upon for financial, legal, or property purchase decisions.
We strongly recommend that you verify all calculations and eligibility with the relevant authorities — the Housing & Development Board (HDB), the Central Provident Fund (CPF) Board, or a licensed financial adviser — before making any property or financial commitments.
3. No Financial Advice
HDB Calculator SG does not provide financial, investment, legal, or property advice. Nothing on this site constitutes a recommendation or endorsement to buy, sell, or hold any property, to take any loan, or to pursue any particular financial strategy. Your financial situation is unique. You should consult a qualified professional before making any decisions based on the information presented here.
4. Accuracy Not Guaranteed
We make reasonable efforts to keep the information on this site accurate and up to date. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics on the site.
HDB and CPF rules, grant amounts, interest rates, income ceilings, and eligibility criteria may change. While we aim to update our content promptly, there may be a delay between official policy changes and updates to our site. Always check with HDB or CPF Board directly for the latest rules.
5. Limitation of Liability
To the fullest extent permitted by law, HDB Calculator SG, its owners, contributors, and affiliates shall not be liable for any loss or damage — including without limitation indirect or consequential loss, loss of data, loss of income or profits, or any financial loss — arising from or in connection with the use of this website.
This limitation applies whether the claim is based on contract, tort (including negligence), breach of statutory duty, or otherwise, even if we have been advised of the possibility of such damages.
6. Third-Party Links & Content
Our site may contain links to third-party websites, including HDB, CPF Board, MAS, and other government or commercial sites. These links are provided for your convenience. We have no control over the content, policies, or practices of third-party sites and accept no responsibility for them. The inclusion of any link does not imply endorsement.
7. Intellectual Property
Unless otherwise stated, the content, design, and code of HDB Calculator SG are our intellectual property. You may use our tools freely for personal, non-commercial purposes. You may not reproduce, redistribute, or republish substantial portions of our content or code without permission. HDB, CPF Board, and MAS names and logos are trademarks of their respective owners.
8. User Conduct
You agree not to use this site in any way that is unlawful, fraudulent, or harmful, or in connection with any such purpose or activity. You agree not to attempt to interfere with the proper working of the site or to circumvent any security measures.
9. Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the site after changes are posted constitutes acceptance of the modified terms. Please review this page periodically.
10. Governing Law
These terms are governed by and construed in accordance with the laws of the Republic of Singapore. Any disputes arising from these terms or your use of the site shall be subject to the exclusive jurisdiction of the Singapore courts.
11. Contact
If you have any questions about these Terms of Service, please contact us at:
Email: hello@hdbcalculator.com
Website: https://hdbcalculator.com/