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Terms of Use

Last updated: 21 March 2026

1. Acceptance

By accessing or using WhatsInPortfolio you agree to these terms. If you do not agree, please do not use the platform.

2. Test Environment

This platform is provided as a test and development environment. It is offered as-is with no guarantees of uptime, data persistence, accuracy of calculations, or fitness for any particular purpose. Do not rely on this platform for actual financial decisions.

3. No Financial Advice

Nothing on this platform constitutes financial advice, investment recommendations, or any regulated financial service. Portfolio analytics, P&L figures, income projections, and card recommendations are informational only. Always consult a qualified financial adviser before making investment decisions.

4. Data You Upload

You are responsible for the data you upload. Do not upload sensitive personal or financial data during this test phase. You retain ownership of your data. By uploading data you grant us a limited licence to process it solely for the purpose of providing the platform's features to you.

5. Acceptable Use

You agree not to use the platform to upload unlawfully obtained data, attempt to reverse-engineer or compromise the platform, or use it in any way that violates applicable Singapore law.

6. Intellectual Property

The platform, its design, and its underlying code are the property of WhatsInPortfolio. You may not reproduce or redistribute any part of the platform without written permission.

7. Limitation of Liability

To the fullest extent permitted by law, WhatsInPortfolio is not liable for any loss or damage arising from your use of this platform, including any errors in portfolio calculations or data processing.

8. Changes to These Terms

We may update these terms as the platform develops. Continued use after changes constitutes acceptance. We will note the date of the last update at the top of this page.

9. Governing Law

These terms are governed by the laws of Singapore.

10. Contact

For any questions regarding these terms, please use the feedback option within the platform. A dedicated contact address will be published here as the platform moves toward public launch.