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Terms of service

Last updated: September 2026

These terms govern your use of SG Flatmate. Using the site means you accept them. They sit alongside our privacy policy, refunds page and disclaimer.

What SG Flatmate is

A planning tool. It works out estimates from public housing rules and government data, and helps you organise a home purchase, renovation and wedding. It is not financial, legal, tax or property advice, not a loan or grant approval, and not a substitute for HDB, CPF Board, IRAS, a bank or a licensed professional. Eligibility and the amounts you actually receive are decided by those bodies, not by us.

It also connects you with businesses who can quote for work you're planning. We introduce and keep the record; we don't do the work and we're not part of the contract. See "Quotes, vendors and bookings" below.

Your account

  • You need to be old enough to enter a contract in Singapore, and the details you give us must be accurate.
  • Keep your password to yourself. You're responsible for what happens under your account.
  • If you invite a partner onto your plan, they can see and change everything in it. Remove their access from the plan page when that's no longer what you want.
  • You can delete your account at any time by emailing divaker@sgflatmate.com.

The Pro Pass

  • S$29 once, for 12 months. It does not renew automatically and you will not be charged again unless you buy another pass yourself.
  • There's a free 7-day trial, one per account, with no card required. The Pass itself is not refundable once bought — try it first. Duplicate charges and payments that never activated are put right; see the refunds page.
  • We may change what's included, but a pass you've already paid for keeps the terms it was sold under for its full 12 months.
  • Payments are handled by Stripe under its own terms. We never see your card details.

Fair use

  • Don't scrape, bulk-download or resell the site's content or data, or try to break its security.
  • Don't use the AI planners to generate unlawful, harassing or misleading content.
  • Only enter other people's details (guests, partners) where you're entitled to, and expect them to be contacted about the event you've invited them to. See the privacy policy.
  • Heavy automated use may be rate-limited so the service stays available for everyone.

Your content

Your plans, budgets and notes remain yours. You give us permission only to store and display them so the service works, including sharing them with anyone you send a link to or invite onto your plan. We don't sell them, and we don't use them to advertise to you.

Quotes, vendors and bookings

When you ask for quotes, SG Flatmate passes your job brief to businesses that match it and shows you what comes back. That's the whole of our role. Any agreement you reach is between you and that business — we are not a party to it, we do not perform the work, and we do not hold your money. You pay the vendor directly.

  • A vendor appearing on SG Flatmate is not a recommendation. Where we've checked something — a UEN against ACRA, a licence, an HDB registration — we say exactly what was checked. Everything else is what the business told us.
  • Quotes, prices, timelines and warranties are the vendor's own. We normalise GST so quotes can be compared fairly, and we flag things like excluded scope and provisional sums, but we don't verify that a quote is accurate or achievable.
  • We keep a record of every version of a quote and freeze the terms you accepted. That record is evidence of what was offered and agreed; it is not a guarantee that either side will perform.
  • Reviews come only from customers who booked through SG Flatmate. We show averages once there are enough of them to be fair, and we don't edit or remove a review because a business dislikes it.
  • Disputes are between you and the vendor. We'll provide the records we hold — quotes, versions, messages, payment entries — to either of you on request. We can't adjudicate, and we have no power to compel anyone.

If we ever charge vendors a fee, or take a commission on work booked here, we'll say so on the pricing page before it starts. It will not affect which vendors you're shown or the order they appear in.

Availability and accuracy

The service is provided as is. We aim to keep it accurate and available, but housing rules change, government datasets are updated on their own schedules, and figures can be wrong or out of date. Always confirm anything that matters with the relevant authority before committing money. We may change, suspend or withdraw features.

Liability

To the extent the law allows, SG Flatmate is not liable for losses arising from decisions made using the site, including property, renovation or wedding commitments. Where liability can't be excluded, it is limited to what you paid us in the previous 12 months. Nothing here limits rights you have under Singapore's Consumer Protection (Fair Trading) Act or other laws that cannot be excluded.

Ending it

You can stop using the service at any time. We may suspend an account that breaches these terms; if we do that without good reason while you hold a Pro Pass, we'll refund the unused portion.

Governing law

These terms are governed by the laws of Singapore, and the Singapore courts have jurisdiction over any dispute. Questions: divaker@sgflatmate.com.