Clear terms for practical support

A clear agreement for better money conversations.

These Terms and Conditions explain how Harmoniq Finance provides budgeting consultations and financial literacy education in Singapore. Read them before you book so expectations stay simple and fair.

Effective date: 1 June 2025 · Last reviewed: 1 June 2025

Plain-language guide.

Take a few minutes. The key limits are easy to find.

Service Agreement

Harmoniq Finance provides budgeting guidance and financial literacy education. Sessions may cover household cash flow, spending records, savings targets, debt repayment plans, and family money routines.

Our work is educational. It is not investment, insurance, tax, accounting, legal, credit or regulated financial advice. We do not recommend specific securities, policies, loans or financial products. Speak with a suitably licensed professional before acting on matters outside household budgeting.

You receive practical tools and explanations based on the information you share.
You remain responsible for decisions, applications, payments and outcomes.
Where a plan involves more than one adult, each person should review the proposed actions.

Keep records. Check figures and deadlines against your own bank, lender, employer or government records.

Booking and Payment

A consultation is booked when Harmoniq Finance confirms the appointment and the agreed fee. Payment is due according to the invoice or booking notice issued for that session.

Please give at least 24 hours' notice to cancel or move an appointment. A late cancellation or missed session may be charged at the agreed session fee. We will explain any charge before a booking is confirmed.

Arrive prepared with the household figures you want to discuss.
Sessions begin and end at the scheduled times unless both sides agree otherwise.
Fees cover the agreed session scope and do not include third-party charges or professional referrals.

Plans can change. Contact us promptly if illness, caregiving or another serious issue affects your appointment.

Website Use

Website calculators, worksheets, articles and examples are general educational materials for personal or internal family use. Figures are illustrations and may not match your circumstances.

Use the website lawfully. Do not attempt to disrupt the site, access another person's information, submit harmful code, misrepresent your identity or use our materials to provide paid services without written permission.

Review every result before using it in a household decision.
Do not enter passwords, full account numbers or other highly sensitive information into a contact form.
Copyright, layout, wording and budgeting materials remain the property of Harmoniq Finance unless stated otherwise.

Ask before sharing. Written permission is required for reproduction, resale or public distribution of our content.

Governing Law

These Terms and Conditions are governed by the laws of Singapore. The parties submit to the courts of Singapore for disputes connected with the website or services, subject to any rights that cannot lawfully be excluded.

If a provision is found invalid, the remaining provisions continue to apply. We may update these terms when our services or legal obligations change. The version published on this page applies to future bookings after its effective date.

Harmoniq Finance Pte. Ltd., 71 Robinson Road, #14-01, Singapore 068895.
Send questions about these terms to [email protected].

Need clarity? Ask before you book. We will point out the part that applies.

Ready to continue?

Review the terms above before requesting a consultation. Your agreement confirms that you understand the educational scope of our budgeting service.

I have read and understood these Terms and Conditions.

Questions first? Email Harmoniq Finance.

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