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Aspire may suspend or terminate your AspireBooks subscription immediately on notice to you if: (a) you breach these Terms; (b) you fail to pay any amount due under these Terms when due; (c) Aspire is required to do so by law or regulation, or by any court, regulator or authority; (d) Aspire reasonably suspects fraud, abuse or unlawful activity in connection with AspireBooks; (e) your Aspire Account is closed; or (f) you become insolvent, enter into liquidation, judicial management, receivership or any analogous process, or cease or threaten to cease to carry on business.",[],{"_key":1659,"_type":176,"children":1660,"markDefs":1665,"style":196},"ab104",[1661],{"_key":1662,"_type":180,"marks":1663,"text":1664},"ab105",[],"3.6 No cross-default into your Aspire Account. Suspension or termination of your AspireBooks subscription does not suspend, restrict or terminate your Aspire Account, and no amount owed under these Terms is a ground on which Aspire will suspend, restrict or close your Aspire Account. Aspire’s rights in relation to your Aspire Account are governed exclusively by the separate terms that apply to it.",[],{"_key":1667,"_type":176,"children":1668,"markDefs":1673,"style":196},"ab106",[1669],{"_key":1670,"_type":180,"marks":1671,"text":1672},"ab107",[],"3.7 Non-payment. If you do not make payment for your subscription within the deadline stipulated in the relevant invoice, Aspire may suspend or terminate your access to AspireBooks with immediate effect. Suspension does not relieve you of your obligation to pay fees as they accrue. On suspension or termination under this clause, all unpaid subscription fees for the then current and any earlier calendar month, and an amount equal to any trial cashback credited to you, become immediately due and payable. Aspire may recover those amounts under the authorisation in clause 2.4 or, for a Subscription-Only Customer, under clause 2.5. To the extent they are not so recovered, they remain a debt due from you to Aspire, payable on demand. Aspire may reinstate your access once all outstanding amounts have been paid in full.",[],{"_key":1675,"_type":176,"children":1676,"markDefs":1681,"style":196},"ab108",[1677],{"_key":1678,"_type":180,"marks":1679,"text":1680},"ab109",[],"3.8 Abuse. Aspire reserves the right to suspend or terminate your subscription, and to withhold or clawback trial cashback, with immediate effect if, in Aspire’s reasonable opinion, you have abused the subscription or the trial period, including but not limited to repeatedly subscribing, utilizing the trial cashback and cancelling prior to the end of the trial period, or subscribing multiple businesses (whether or not under common ownership or control) for the purpose of obtaining additional trial periods, or providing false or misleading information in connection with your subscription or your eligibility for a trial period.",[],{"_key":1683,"_type":176,"children":1684,"markDefs":1689,"style":196},"ab110",[1685],{"_key":1686,"_type":180,"marks":1687,"text":1688},"ab111",[],"3.9 Cashback clawback and recovery of waived fees. Aspire reserves the right to clawback any cashback credited to you in excess of your entitlement, credited in error or inadvertently, credited in circumstances where the conditions in clause 1.5 were not met, or credited in circumstances to which clause 3.8 applies. Aspire may recover the amount under the authorisation in clause 2.4 or, for a Subscription-Only Customer, under clause 2.5. To the extent it is not so recovered, it is a debt due from you to Aspire and is payable on demand. Where you are a Subscription-Only Customer and no subscription fee was charged for a calendar month of the trial period under clause 1.3, and the conditions in clause 1.5 were not met for that month or clause 3.8 applies to you, Aspire may invoice you for the subscription fee that was not charged, payable within thirty (30) days of the date of the invoice.",[],{"_key":1691,"_type":176,"children":1692,"markDefs":1697,"style":1276},"ab112",[1693],{"_key":1694,"_type":180,"marks":1695,"text":1696},"ab113",[],"4. AspireBooks and how you may use it",[],{"_key":1699,"_type":176,"children":1700,"markDefs":1705,"style":196},"ab114",[1701],{"_key":1702,"_type":180,"marks":1703,"text":1704},"ab115",[],"4.1 Licence. Subject to these Terms and to payment of the fees, Aspire grants you a non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use AspireBooks during your subscription for your own internal business purposes.",[],{"_key":1707,"_type":176,"children":1708,"markDefs":1713,"style":196},"ab116",[1709],{"_key":1710,"_type":180,"marks":1711,"text":1712},"ab117",[],"4.2 Not accounting, tax or legal advice. AspireBooks is a software tool that helps you record, organise and report on your own financial information. Aspire is not your accountant, bookkeeper, tax agent, auditor or corporate secretary, and does not provide accounting, bookkeeping, tax, audit, legal or other professional advice. No output of AspireBooks constitutes such advice, an audit, or any certification of your accounts.",[],{"_key":1715,"_type":176,"children":1716,"markDefs":1721,"style":196},"ab118",[1717],{"_key":1718,"_type":180,"marks":1719,"text":1720},"ab119",[],"4.3 Your responsibility. You remain solely responsible for: (a) the accuracy, completeness and legality of the data you input into, or connect to, AspireBooks; (b) reviewing and verifying every classification, calculation, ledger, report and return generated by AspireBooks before relying on it or submitting it to any person or authority; (c) the preparation, accuracy and timely filing of your statutory accounts, returns and other submissions to ACRA, IRAS and any other authority, and the payment of all taxes; and (d) maintaining your own books and records as required by law.",[],{"_key":1723,"_type":176,"children":1724,"markDefs":1729,"style":196},"ab120",[1725],{"_key":1726,"_type":180,"marks":1727,"text":1728},"ab121",[],"4.4 Automated features. AspireBooks includes automated and machine-learning features, including automated transaction categorisation. Those features generate suggestions only. They may be incomplete or incorrect and must be reviewed by you. Aspire gives no warranty as to their accuracy and is not liable for any consequence of your relying on them without review.",[],{"_key":1731,"_type":176,"children":1732,"markDefs":1737,"style":196},"ab122",[1733],{"_key":1734,"_type":180,"marks":1735,"text":1736},"ab123",[],"4.5 Third-party services. AspireBooks may connect to, or import data from, third-party services including bank feeds, accounting platforms and payment providers. Aspire is not responsible for those services, for the availability, accuracy or completeness of the data they provide, or for any act or omission of their providers. Your use of a third-party service is governed by that provider’s own terms.",[],{"_key":1739,"_type":176,"children":1740,"markDefs":1745,"style":196},"ab124",[1741],{"_key":1742,"_type":180,"marks":1743,"text":1744},"ab125",[],"4.6 Acceptable use. You must not: (a) use AspireBooks other than in accordance with these Terms and applicable law; (b) permit any person other than your authorised users to access AspireBooks, or share access credentials; (c) resell, sublicense, rent or otherwise make AspireBooks available to any third party, except as expressly permitted by Aspire in writing; (d) copy, modify, reverse engineer, decompile or create derivative works of AspireBooks, or attempt to derive its source code; (e) use AspireBooks, or any data or output from it, to build, train or improve a competing product or service; or (f) use automated means to access, scrape or extract data from AspireBooks, other than through an interface Aspire provides for that purpose. You are responsible for the acts and omissions of your authorised users as if they were your own.",[],{"_key":1747,"_type":176,"children":1748,"markDefs":1753,"style":1276},"ab126",[1749],{"_key":1750,"_type":180,"marks":1751,"text":1752},"ab127",[],"5. Availability and changes to AspireBooks",[],{"_key":1755,"_type":176,"children":1756,"markDefs":1761,"style":196},"ab128",[1757],{"_key":1758,"_type":180,"marks":1759,"text":1760},"ab129",[],"5.1 Aspire will use reasonable efforts to make AspireBooks available, but does not warrant that access will be uninterrupted, timely, secure or error free. AspireBooks is not provided with any service level commitment.",[],{"_key":1763,"_type":176,"children":1764,"markDefs":1769,"style":196},"ab130",[1765],{"_key":1766,"_type":180,"marks":1767,"text":1768},"ab131",[],"5.2 Aspire may suspend access to AspireBooks for scheduled or emergency maintenance, and will give notice where reasonably practicable.",[],{"_key":1771,"_type":176,"children":1772,"markDefs":1777,"style":196},"ab132",[1773],{"_key":1774,"_type":180,"marks":1775,"text":1776},"ab133",[],"5.3 Aspire may add to, change, restrict or withdraw features of AspireBooks at any time. Where a change materially reduces the core functionality of AspireBooks, Aspire will give you not less than thirty (30) days’ notice, and you may cancel your subscription before the change takes effect.",[],{"_key":1779,"_type":176,"children":1780,"markDefs":1785,"style":1276},"ab134",[1781],{"_key":1782,"_type":180,"marks":1783,"text":1784},"ab135",[],"6. Your data",[],{"_key":1787,"_type":176,"children":1788,"markDefs":1793,"style":196},"ab136",[1789],{"_key":1790,"_type":180,"marks":1791,"text":1792},"ab137",[],"6.1 Ownership. As between you and Aspire, you own the data and content you input into, or generate through, AspireBooks (“Customer Data”).",[],{"_key":1795,"_type":176,"children":1796,"markDefs":1801,"style":196},"ab138",[1797],{"_key":1798,"_type":180,"marks":1799,"text":1800},"ab139",[],"6.2 Licence to Aspire. You grant Aspire a non-exclusive, worldwide, royalty-free licence to host, copy, process, transmit and display Customer Data, and to create and use anonymised and aggregated data derived from it, in each case in order to provide, secure, support and improve AspireBooks. Anonymised and aggregated data will not identify you or any individual, and Aspire may continue to use it after your subscription ends.",[],{"_key":1803,"_type":176,"children":1804,"markDefs":1809,"style":196},"ab140",[1805],{"_key":1806,"_type":180,"marks":1807,"text":1808},"ab141",[],"6.3 Your warranty. You warrant that you have all rights and consents necessary to provide Customer Data to Aspire, and for Aspire to process it as contemplated by these Terms.",[],{"_key":1811,"_type":176,"children":1812,"markDefs":1817,"style":196},"ab142",[1813],{"_key":1814,"_type":180,"marks":1815,"text":1816},"ab143",[],"6.4 Backups. You are responsible for maintaining your own copies of Customer Data. 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Aspire processes personal data in accordance with the Personal Data Protection Act 2012 and Aspire’s privacy policy at https:\u002F\u002Faspireapp.com\u002Ftnc\u002Fprivacy-policy, which forms part of these Terms.",[],{"_key":1835,"_type":176,"children":1836,"markDefs":1841,"style":1276},"ab148",[1837],{"_key":1838,"_type":180,"marks":1839,"text":1840},"ab149",[],"7. Intellectual property",[],{"_key":1843,"_type":176,"children":1844,"markDefs":1849,"style":196},"ab150",[1845],{"_key":1846,"_type":180,"marks":1847,"text":1848},"ab151",[],"7.1 Aspire and its licensors own all intellectual property rights in and to AspireBooks, including all software, content, documentation, designs and trade marks, and all improvements to them. Nothing in these Terms transfers any of those rights to you.",[],{"_key":1851,"_type":176,"children":1852,"markDefs":1857,"style":196},"ab152",[1853],{"_key":1854,"_type":180,"marks":1855,"text":1856},"ab153",[],"7.2 Feedback. If you provide Aspire with feedback, suggestions or ideas about AspireBooks, you grant Aspire a perpetual, irrevocable, worldwide, royalty-free and sublicensable licence to use and exploit that feedback for any purpose, without obligation or attribution to you. You are under no obligation to provide feedback.",[],{"_key":1859,"_type":176,"children":1860,"markDefs":1865,"style":1276},"ab154",[1861],{"_key":1862,"_type":180,"marks":1863,"text":1864},"ab155",[],"8. Confidentiality",[],{"_key":1867,"_type":176,"children":1868,"markDefs":1873,"style":196},"ab156",[1869],{"_key":1870,"_type":180,"marks":1871,"text":1872},"ab157",[],"8.1 Each party must keep the other party’s confidential information confidential and use it only for the purposes of these Terms, except where disclosure is required by law, regulation or a regulator, or is made to its group companies, professional advisers or service providers on equivalent terms of confidence. This clause does not restrict Aspire’s use of Customer Data as permitted by clause 6.",[],{"_key":1875,"_type":176,"children":1876,"markDefs":1881,"style":1276},"ab158",[1877],{"_key":1878,"_type":180,"marks":1879,"text":1880},"ab159",[],"9. Warranties and disclaimers",[],{"_key":1883,"_type":176,"children":1884,"markDefs":1889,"style":196},"ab160",[1885],{"_key":1886,"_type":180,"marks":1887,"text":1888},"ab161",[],"9.1 To the fullest extent permitted by law, AspireBooks is provided “as is” and “as available”, and Aspire excludes all warranties, conditions, representations and terms implied by statute, common law or otherwise, including any implied warranty of merchantability, satisfactory quality, fitness for a particular purpose, accuracy or non-infringement.",[],{"_key":1891,"_type":176,"children":1892,"markDefs":1897,"style":1276},"ab162",[1893],{"_key":1894,"_type":180,"marks":1895,"text":1896},"ab163",[],"10. Limitation of liability",[],{"_key":1899,"_type":176,"children":1900,"markDefs":1905,"style":196},"ab164",[1901],{"_key":1902,"_type":180,"marks":1903,"text":1904},"ab165",[],"10.1 Nothing in these Terms limits or excludes either party’s liability for death or personal injury caused by its negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be limited or excluded.",[],{"_key":1907,"_type":176,"children":1908,"markDefs":1913,"style":196},"ab166",[1909],{"_key":1910,"_type":180,"marks":1911,"text":1912},"ab167",[],"10.2 This clause 10 applies only to Aspire’s liability in connection with AspireBooks and these Terms. It does not limit or affect Aspire’s liability to you in connection with your Aspire Account or any payment service, which is governed by the separate terms that apply to them.",[],{"_key":1915,"_type":176,"children":1916,"markDefs":1921,"style":196},"ab168",[1917],{"_key":1918,"_type":180,"marks":1919,"text":1920},"ab169",[],"10.3 Subject to clause 10.1, Aspire is not liable, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for: (a) any indirect, special or consequential loss; (b) loss of profit, revenue, business, goodwill, opportunity or anticipated savings; (c) loss or corruption of data or records; (d) any fine, penalty, interest, surcharge or additional assessment imposed by any tax or other authority; (e) the cost of reconstituting accounts or records, or of procuring substitute services; or (f) any loss arising from your failure to review or verify any output of AspireBooks, from inaccurate or incomplete data provided by you or by a third party, or from any third-party service.",[],{"_key":1923,"_type":176,"children":1924,"markDefs":1929,"style":196},"ab170",[1925],{"_key":1926,"_type":180,"marks":1927,"text":1928},"ab171",[],"10.4 Subject to clauses 10.1 to 10.3, Aspire’s total aggregate liability arising out of or in connection with AspireBooks and these Terms is limited to the total subscription fees actually paid by you, net of any cashback credited to you, in the twelve (12) months immediately preceding the event giving rise to the claim.",[],{"_key":1931,"_type":176,"children":1932,"markDefs":1937,"style":196},"ab172",[1933],{"_key":1934,"_type":180,"marks":1935,"text":1936},"ab173",[],"10.5 You must bring any claim under or in connection with these Terms within twelve (12) months of the date on which you became aware, or ought reasonably to have become aware, of the circumstances giving rise to it.",[],{"_key":1939,"_type":176,"children":1940,"markDefs":1945,"style":1276},"ab174",[1941],{"_key":1942,"_type":180,"marks":1943,"text":1944},"ab175",[],"11. Indemnity",[],{"_key":1947,"_type":176,"children":1948,"markDefs":1953,"style":196},"ab176",[1949],{"_key":1950,"_type":180,"marks":1951,"text":1952},"ab177",[],"11.1 You indemnify Aspire against all claims, losses, liabilities, fines, penalties and costs (including legal costs on an indemnity basis) arising out of or in connection with: (a) your breach of these Terms or of applicable law; (b) Customer Data, including any claim that it infringes a third party’s rights or was provided without the necessary consents; (c) your reliance on, or your submission to any authority of, any output of AspireBooks; and (d) any claim brought by your authorised users or your own clients in connection with AspireBooks.",[],{"_key":1955,"_type":176,"children":1956,"markDefs":1961,"style":1276},"ab178",[1957],{"_key":1958,"_type":180,"marks":1959,"text":1960},"ab179",[],"12. Effect of cancellation or termination",[],{"_key":1963,"_type":176,"children":1964,"markDefs":1969,"style":196},"ab180",[1965],{"_key":1966,"_type":180,"marks":1967,"text":1968},"ab181",[],"12.1 On cancellation or termination taking effect, your right to access and use AspireBooks ends and Aspire may disable your access. Your Aspire Account, if you hold one, is unaffected.",[],{"_key":1971,"_type":176,"children":1972,"markDefs":1977,"style":196},"ab182",[1973],{"_key":1974,"_type":180,"marks":1975,"text":1976},"ab183",[],"12.2 If you contact customer service, Aspire will make Customer Data available for export for thirty (30) days after the effective date of cancellation or termination. This data includes the list of journal entries created on your account. After that period, Aspire may delete Customer Data, subject to any retention Aspire is required or entitled to make under applicable law or its record-keeping policies. Aspire may decline to make Customer Data available while any amount is outstanding from you.",[],{"_key":1979,"_type":176,"children":1980,"markDefs":1985,"style":196},"ab184",[1981],{"_key":1982,"_type":180,"marks":1983,"text":1984},"ab185",[],"12.3 Cancellation or termination does not affect any accrued rights or liabilities. Clauses 2.8, 2.9, 2.10, 3.6, 3.7, 3.9, 6.2, 7, 8, 9, 10, 11, 12 and 15 survive.",[],{"_key":1987,"_type":176,"children":1988,"markDefs":1993,"style":1276},"ab186",[1989],{"_key":1990,"_type":180,"marks":1991,"text":1992},"ab187",[],"13. Amendments",[],{"_key":1995,"_type":176,"children":1996,"markDefs":2001,"style":196},"ab188",[1997],{"_key":1998,"_type":180,"marks":1999,"text":2000},"ab189",[],"13.1 We may amend, supplement, delete and\u002For revise any part of these terms (the “Agreement”) at any time by giving you notice. The changes take effect on the date specified in the notice, which will be not less than thirty (30) days after the notice is given, except where the change is required by law, regulation or a regulator, is necessary to address a security, fraud or operational risk, or is to your benefit or has no adverse effect on you, in which case the change may take effect immediately. Any such notices and updated terms will be published on Aspire’s website or otherwise notified to you by email or in-app notification.",[],{"_key":2003,"_type":176,"children":2004,"markDefs":2009,"style":196},"ab190",[2005],{"_key":2006,"_type":180,"marks":2007,"text":2008},"ab191",[],"13.2 If you do not accept the revised terms, you have the option to cancel your subscription before the change takes effect. If you continue with your subscription after Aspire has given notice of any changes to this Agreement, you are deemed to have accepted and agreed to such changes without reservation.",[],{"_key":2011,"_type":176,"children":2012,"markDefs":2017,"style":1276},"ab192",[2013],{"_key":2014,"_type":180,"marks":2015,"text":2016},"ab193",[],"14. Relationship with your other agreements with Aspire",[],{"_key":2019,"_type":176,"children":2020,"markDefs":2025,"style":196},"ab194",[2021],{"_key":2022,"_type":180,"marks":2023,"text":2024},"ab195",[],"14.1 These Terms are a standalone agreement in respect of AspireBooks and apply whether or not you have entered into any other agreement with Aspire. Where you have entered into a Master Services Agreement and Product Schedule(s) with Aspire, those documents govern the payment services and other services provided under them, including your Aspire Account, and do not govern AspireBooks. AspireBooks is not a “Service” for the purposes of the Master Services Agreement, and the AspireBooks subscription fee is not a “Fee” under it. These Terms are not superseded by the Master Services Agreement or by any Product Schedule, and the entire agreement provision of the Master Services Agreement does not apply to them. The provisions of the Master Services Agreement permitting Aspire to deduct or debit outstanding amounts from your Aspire Account do not apply to amounts due under these Terms, which are collected only in accordance with clause 2.4 or clause 2.5. In the event of any inconsistency in relation to AspireBooks, these Terms prevail. Termination of your Master Services Agreement or the closure of your Aspire Account does not of itself terminate these Terms, and termination of these Terms does not affect your Master Services Agreement or your Aspire Account.",[],{"_key":2027,"_type":176,"children":2028,"markDefs":2033,"style":1276},"ab196",[2029],{"_key":2030,"_type":180,"marks":2031,"text":2032},"ab197",[],"15. General",[],{"_key":2035,"_type":176,"children":2036,"markDefs":2041,"style":196},"ab198",[2037],{"_key":2038,"_type":180,"marks":2039,"text":2040},"ab199",[],"15.1 Assignment. You may not assign, novate or otherwise transfer any of your rights or obligations under these Terms without Aspire’s prior written consent. Aspire may assign, novate or transfer its rights and obligations to any Aspire group company, or in connection with a reorganisation, merger or sale of business, on notice to you.",[],{"_key":2043,"_type":176,"children":2044,"markDefs":2049,"style":196},"ab200",[2045],{"_key":2046,"_type":180,"marks":2047,"text":2048},"ab201",[],"15.2 Force majeure. Aspire is not liable for any failure or delay in performing its obligations caused by an event beyond its reasonable control, including any failure of telecommunications, internet, power or third-party services.",[],{"_key":2051,"_type":176,"children":2052,"markDefs":2057,"style":196},"ab202",[2053],{"_key":2054,"_type":180,"marks":2055,"text":2056},"ab203",[],"15.3 Notices. Aspire may give notice to you by email to the address registered on your Aspire profile, by in-app notification, or by publication on Aspire’s website. A notice is deemed received on the day it is sent or published. You must keep your contact details current.",[],{"_key":2059,"_type":176,"children":2060,"markDefs":2065,"style":196},"ab204",[2061],{"_key":2062,"_type":180,"marks":2063,"text":2064},"ab205",[],"15.4 Third party rights. A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of its terms, except that any Aspire group company may enforce clauses 7, 10 and 11.",[],{"_key":2067,"_type":176,"children":2068,"markDefs":2073,"style":196},"ab206",[2069],{"_key":2070,"_type":180,"marks":2071,"text":2072},"ab207",[],"15.5 No waiver. No failure or delay by Aspire in exercising any right under these Terms operates as a waiver of that right.",[],{"_key":2075,"_type":176,"children":2076,"markDefs":2081,"style":196},"ab208",[2077],{"_key":2078,"_type":180,"marks":2079,"text":2080},"ab209",[],"15.6 Severability. If any provision of these Terms is held to be invalid or unenforceable, it is severed and the remaining provisions continue in full force and effect.",[],{"_key":2083,"_type":176,"children":2084,"markDefs":2089,"style":196},"ab210",[2085],{"_key":2086,"_type":180,"marks":2087,"text":2088},"ab211",[],"15.7 Entire agreement. These Terms, together with any document expressly incorporated into them, constitute the entire agreement between you and Aspire in relation to AspireBooks and supersede all prior representations and understandings in relation to it, other than in the case of fraud.",[],{"_key":2091,"_type":176,"children":2092,"markDefs":2097,"style":196},"ab212",[2093],{"_key":2094,"_type":180,"marks":2095,"text":2096},"ab213",[],"15.8 Language. These Terms are made in English. Any translation is provided for convenience only and the English version prevails.",[],{"_key":2099,"_type":176,"children":2100,"markDefs":2105,"style":1276},"ab214",[2101],{"_key":2102,"_type":180,"marks":2103,"text":2104},"ab215",[],"16. Governing law and dispute resolution",[],{"_key":2107,"_type":176,"children":2108,"markDefs":2113,"style":196},"ab216",[2109],{"_key":2110,"_type":180,"marks":2111,"text":2112},"ab217",[],"16.1 These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, are governed by the laws of Singapore. The parties submit to the exclusive jurisdiction of the courts of Singapore.",[],"2026-06-01",{"_type":155,"metaTitle":1176,"noFollow":147,"noIndex":147,"socialShareImageUrl":2116},{"_type":160,"decorative":147,"height":1060,"url":2117,"width":1062},"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F7a21a643d7891b98881bb4a0ebb6b1fd\u002F6214926b8ae48c2cfb14b310_TnC-Meta.webp",{"_type":2119,"current":1175},"slug",1791455630758]