Terms of Service

1. Subject and Acceptance of Conditions

Welcome to Morning Receipt. By accessing or using our website, digital tools, and informational resources focused on optimizing daily expenses in Singapore (specifically within the Toa Payoh district and beyond), you agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and Morning Receipt.

If you do not agree to all of these Terms, you are expressly prohibited from using the site and must discontinue use immediately. We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time. We will alert you about any changes by updating the "Last Updated" date of these Terms, and you waive any right to receive specific notice of each such change.

2. Description of Services

Morning Receipt provides educational content, data analysis, and optimization strategies for residents and visitors in Singapore to manage transport costs (MRT, bus, and ride-hailing) and grocery logistics. Our services include:

• Analytical guides on Singapore's public transport fare structures.
• Comparative sourcing data for grocery retailers and wet markets in Toa Payoh.
• Digital payment tool optimization strategies (e.g., SimplyGo, cashback cards).
• Budgeting frameworks for seasonal planning and utility bill management.

The information provided is for general informational purposes only and does not constitute financial, investment, or legal advice.

3. Use of Site and Prohibited Activities

You may use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the site in any way that violates the Personal Data Protection Act 2012 (PDPA) of Singapore or any other applicable local or international law.
• Engage in unauthorized "scraping" or data mining of our transport cost analysis or grocery price databases.
• Attempt to interfere with the proper working of the site or bypass any measures we may use to prevent or restrict access.
• Impersonate or attempt to impersonate Morning Receipt, a Morning Receipt employee, or any other user.
• Use the platform to transmit any advertising or promotional material without our prior written consent.

4. Intellectual Property Rights

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of Singapore, foreign jurisdictions, and international conventions.

The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

5. Disclaimer of Warranties

The site is provided on an as-is and as-available basis. You agree that your use of the site and our services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the site and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Morning Receipt makes no warranties or representations about the accuracy or completeness of the site’s content or the content of any websites linked to the site (such as LTA or grocery retailer portals). We assume no liability or responsibility for any (1) errors, mistakes, or inaccuracies of content; (2) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the site; (3) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein.

6. Limitation of Liability

In no event will Morning Receipt, its directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site, even if we have been advised of the possibility of such damages.

Notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to us during the six (6) month period prior to any cause of action arising.

7. Applicable Law and Jurisdiction

These Terms and your use of the Site are governed by and construed in accordance with the laws of the Republic of Singapore. Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by the courts of Singapore.

Specifically, for users in Toa Payoh and the wider Singapore region, these terms are drafted to comply with the Personal Data Protection Act 2012 (PDPA) and the Consumer Protection (Fair Trading) Act (CPFTA).

8. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.

9. Contact Information

In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact Morning Receipt at: