General terms and scope

Eligibility to use PriorMint

You must have capacity to enter into a contract and comply with local laws. Example case: a user under contractual age must obtain a parent or guardian to open an account on their behalf. Eligibility is assessed during registration and when providing identity documents.

Age requirement — To enter into binding contracts with PriorMint you must be at least 18 years old. If you are below 18, a parent or legal guardian must register and accept these Terms on your behalf in accordance with local law.

Lawful use — You must use PriorMint services for lawful purposes. Example prohibited uses include funds laundering, fraud, or submitting forged documentation. In such scenarios, we may suspend services and cooperate with authorities as required by law.

Geographic limits — PriorMint operates from Singapore and provides services consistent with Singapore law. Access from other jurisdictions may be restricted; users are responsible for ensuring compliance with local regulations before using our services.

Account creation and management

An account allows access to dashboards, personalised scenarios, and service subscriptions. Example case: a household creating a joint budget profile must ensure each participant consents to data sharing. Keep account information accurate to use features that match your priorities.

Accuracy of information — You are responsible for providing accurate and complete information. In a practical scenario such as tax reporting, incorrect details may lead to delays or additional verification steps.

Account security — Protect your login credentials and enable recommended security features like two-factor authentication. Example: if you share credentials, you may be liable for actions taken under your account. PriorMint provides guidance on securing access.

No transfer — Accounts are personal and non-transferable except by explicit written agreement with PriorMint. For example, transferring account ownership after an employment change requires verification and a signed transfer form.

Notice of compromise — If you suspect your account is compromised, contact support immediately at +6589827170 and [email protected]. We will outline containment steps and may require identity verification; case examples illustrate timelines and common remedial actions.

Suspension — PriorMint may suspend accounts for security reasons, suspected fraud, or legal compliance. Example scenario: suspension during a verification contribute will preserve data while limiting account activity until resolved.

Services provided

PriorMint offers tools for aligning business choices with your priorities: scenario planners, budgeting tools, and advisory subscriptions. Practical case studies of typical engagements are provided in-app to illustrate how different tools apply to retirement planning, emergency savings, or debt reduction.

Service changes — PriorMint may update or discontinue features. We provide advance notice for material changes and examples of how similar changes were managed, including migration guidance for affected users.

Availability — Services are provided with reasonable effort to maintain accessibility. Planned maintenance windows and example fallback procedures (e.g., read-only access during updates) are published in advance where possible.

Rules of use

Users must follow rules to keep the service safe and useful for everyone. Below are common prohibited actions illustrated with practical examples.

• No fraudulent activity — Do not use PriorMint to facilitate fraud or falsify business information. Example: submitting forged bank statements for verification is prohibited.
• No harassment or impersonation — Do not harass staff or impersonate another individual. Example: creating an account under another person's identity to access their data is not allowed.
• No circumvention — Do not attempt to bypass technical measures or rate limits. Example: automated scraping of account data without API permission is prohibited.
• No unauthorized resale — Do not resell PriorMint services or data without written permission. Example: repackaging our reports for sale requires an explicit commercial agreement.
• Respect intellectual property — Use content according to licenses provided. Example: do not republish proprietary guides without permission.
• Comply with law — Use the service only in compliance with applicable law. Example: do not use PriorMint to plan or execute unlawful transactions.
• No harmful code — Do not upload malware, viruses, or files designed to compromise systems. Example: transmitting an infected file in communications is prohibited.

User content

User content includes uploaded documents, notes, and scenarios you create in PriorMint. We describe ownership, licensing, and removal procedures with examples drawn from common use cases.

Ownership — You retain ownership of content you provide, such as budgets or personal notes. Example: a user retains copyright in a custom business plan they upload.

License to PriorMint — By providing content you grant PriorMint a limited license to host, display, and process that content to deliver services, perform backups, and enable integrations. Example: allowing a bank feed requires processing transaction data to categorize spending.

Responsibility — You are responsible for the lawfulness of your content. Example: do not upload third-party documents you do not have rights to share; if you do, you may be asked to remove them.

Removal — You can request removal of user content. Example: if you close an account and request deletion, we will follow the deletion process described in the privacy section, subject to retention obligations for legal or tax records.

Intellectual property

PriorMint and its licensors retain all intellectual property rights in the platform, designs, and proprietary tools. Example: the budgeting algorithm and template library are protected and licensed, not sold, to users.

• Do not copy or redistribute PriorMint proprietary software or templates without permission. Example: exporting our template library for commercial reuse is forbidden.
• Do not reverse-engineer or attempt to replicate our algorithms. Example: using automated tools to reconstruct scoring models is prohibited.
• Do not remove or alter copyright and activity notices. Example: republishing our guide while removing branding is not allowed.

Paid services and subscriptions

PriorMint offers paid advisory packages, premium tools, and subscription services. We provide practical examples of billing cases, refund scenarios, and subscription transitions.

Pricing — Fees for paid services are displayed at point of purchase and in your account. Example: a monthly subscription fee covers ongoing scenario updates; any trial periods and introductory offers are clearly indicated.

Payment methods — We accept card payments and authorized bank transfers through our payment processors. Example case: recurring subscriptions are billed automatically unless cancelled before the next billing cycle.

Subscriptions — Subscriptions renew automatically unless cancelled. Example: to avoid renewal, cancel through your account settings or contact support prior to the renewal date; cancellation takes effect at the end of the current billing period.

Refunds — Refunds are considered on a case-by-case basis. Example: if a paid feature is removed shortly after purchase, we will review the situation and may issue a pro-rated refund where appropriate.

Cancellation — You can cancel paid services from your account or by contacting support. Example: cancellation of an annual plan mid-term may result in loss of access to premium features at the end of the paid period.

Taxes — Users are responsible for any taxes, duties or levies applicable to their purchases. Example: businesses purchasing services should consider GST and account for local tax reporting.

Price changes — PriorMint may change pricing; existing subscribers will be notified in advance and given the option to accept new pricing or cancel before changes take effect. Example notices include email and account alerts.

Non-payment — Failure to pay may result in suspension of paid features. Example: after repeated failed charge attempts, access to premium tools may be restricted until payment is resolved.

Disclaimer

Information provided by PriorMint is for educational and planning purposes and does not constitute professional business advice tailored to your specific circumstances. Example: scenario outputs are illustrative and should be considered alongside independent advice where appropriate.

Limitation of liability

To the extent permitted by law, PriorMint is not liable for indirect, incidental, or consequential losses arising from use of the service. Example: we are not responsible for losses resulting from decisions made solely on illustrative scenario outputs without additional verification from licensed advisors.

Third-party services and integrations

PriorMint may integrate with banks, payment processors, and analytics providers. Example: when you connect a bank feed, that provider may cache data separately under its terms. PriorMint is not liable for third-party actions; review their terms before authorizing connections.

Termination and suspension

We may suspend or terminate access for violations, legal reasons, or inactivity. Example: accounts used in illegal activities may be terminated immediately and PriorMint will cooperate with authorities. Users may close accounts by following the closure procedure in their settings.

Consequences — Upon termination you may lose access to stored content and features. Example: archived reports may be accessible for a limited period for legal or tax compliance before permanent deletion according to our retention schedule.

Privacy and data protection

Our Privacy Policy explains how we collect, use, and protect personal data. Example scenarios illustrate access, portability, and deletion procedures. Contact [email protected] for specific requests or clarifications.

Communications and notices

PriorMint communicates service updates, billing notices, and priority alerts by email, SMS, or in-app messages. Example: billing reminders are sent by email and SMS for subscribers who opt in; critical operational notices may be sent regardless of marketing preferences.

Changes to these terms

We may update these Terms to reflect changes in services or legal requirements. Example: a new integration will trigger a terms update and active users will receive advance notice with practical steps to accept or decline new features.

Governing law

These Terms are governed by the laws of Singapore. Example: disputes arising from use of PriorMint services will be handled in Singapore courts, subject to any mandatory jurisdictional rules.

Dispute resolution

If a dispute arises, contact PriorMint support to attempt an amicable resolution. Example procedure: initial negotiation, followed by mediation or court proceedings in Singapore if the matter is not resolved within a defined period.