Smart Saver – Legal Notice

1. Introduction

Welcome to Smart Saver (“we”, “us”, “our”).

These Legal Terms apply to your use of our website smartsaver.sg (the “Site”) and any services, tools or content we provide (collectively, the “Services”). By using our Site, you agree to these Terms, our Privacy Policy and our Affiliate Disclosure (together, the “Legal Terms”).

If you do not agree with these Legal Terms, please do not use our Site.

Business name: Smart Saver
Email address: admin@smartsaver.sg
Jurisdiction: Singapore

2. Nature of Our Service (Comparison Only, Not Advice)

Smart Saver is an independent comparison site. We compare software-as-a-service (SaaS) tools for small and medium businesses, including but not limited to:

Accounting software (e.g. Xero, Zoho Books, QuickBooks, FreshBooks)
Email marketing tools
HR and payroll SaaS tools
CRM and sales tools
Other business SaaS platforms

We aim to present information in a clear, honest and up-to-date way, but:

We do not provide financial, legal, tax, or professional advice.
Any information is general information only, not tailored to your specific situation.
You are responsible for checking details (pricing, features, promotions, contract terms) directly with the SaaS provider before making any decision.

3. Affiliate Relationships & How We Make Money

Some of the links to SaaS products on our Site are affiliate links. This means:

If you click a link to a SaaS provider and sign up,
We may receive a commission or referral fee,
At no extra cost to you.

We strive to keep our comparisons fair and balanced:

We do not sell rankings to providers.
Our editorial opinions are our own, regardless of affiliate relationships.
Where possible, we clearly label sponsored placements or advertisements.

By using our Site, you acknowledge that Smart Saver may earn revenue through affiliate or referral partnerships, sponsorships, display advertising and other commercial arrangements.

4. No Warranties & Limitation of Liability

We work hard to keep our information accurate, but:

SaaS providers can change pricing, features, promotions and terms at any time.
We cannot guarantee that all information is complete, accurate or current.

To the fullest extent permitted by law:

Our Site and Services are provided on an “as is” and “as available” basis.
We exclude all warranties, express or implied (including fitness for a particular purpose).
We are not liable for any loss, damage, cost or expense, whether direct or indirect, arising from:
- Your use of, or inability to use, our Site
- Your decisions based on our comparisons
- Any dealings between you and third-party SaaS providers

You are responsible for making your own enquiries and decisions before purchasing or subscribing to any product or service.

5. Intellectual Property

Unless otherwise stated:

The content on our Site (text, design, layout, graphics, logos, icons) is owned by or licensed to Smart Saver.
You may view and print content for your own personal or internal business use.
You may not copy, reproduce, republish, sell, or distribute our content without our prior written permission.

Third-party logos, product names and trademarks on our Site are the property of their respective owners and are used for identification and comparison purposes only.

6. User Responsibilities

By using our Site, you agree that you will not:

Use the Site for any unlawful purpose.
Attempt to gain unauthorised access to our systems.
Scrape, copy or systematically harvest our comparison tables or content without permission.
Post or transmit any harmful code or content (e.g. malware, spam).

We may suspend or block access to users who breach these Terms.

7. Privacy Policy

We are committed to respecting your privacy and handling personal data in accordance with Singapore’s Personal Data Protection Act (PDPA) and other applicable laws.

7.1 What Information We Collect

We may collect:

Information you provide directly
- Name, email address and any message if you contact us.
- Details you submit via forms (e.g. newsletter signup, enquiry).
Automatic data from your visit
- IP address, browser type, pages viewed, time spent, and other analytics data.
- Cookies and similar technologies to understand site usage and improve our Services.
Affiliate & outbound link tracking
- When you click from our Site to a SaaS provider, we or our partners may use tracking parameters or cookies to record that referral for commission purposes.

7.2 How We Use Your Information

We may use personal and usage data to:

Operate and improve the Site and user experience.
Respond to your enquiries and support requests.
Send you updates, newsletters or marketing communications (where you have opted in).
Analyse performance of our content and affiliate links.
Detect, prevent and address technical issues or misuse.

We only retain personal data for as long as reasonably necessary to fulfil the purposes described or as required by law.

7.3 Cookies & Analytics

Our Site may use cookies and similar technologies to:

Remember your preferences (e.g. filters in comparison tables).
Measure traffic and performance (e.g. via analytics tools).
Track affiliate and advertising performance.

You can usually control cookies via your browser settings. If you disable cookies, some features of the Site may not function properly.

We may share information with:

Service providers (e.g. hosting, analytics, email newsletter tools) who process data on our behalf under appropriate safeguards.
Affiliate networks and SaaS partners for reporting and commission tracking (usually aggregated or pseudonymised data).
Regulators, authorities, or legal advisors where required by law or to protect our rights.

We do not sell your personal data to third parties.

7.5 International Transfers

Our Site may use service providers and servers located outside Singapore. Where personal data is transferred overseas, we take reasonable steps to ensure the receiving party offers a standard of protection comparable to that required under the PDPA.

7.6 Your Rights

Subject to applicable law, you may:

Request access to the personal data we hold about you.
Request correction of inaccurate or incomplete data.
Withdraw consent to marketing communications at any time (e.g. via “unsubscribe” link).

To exercise these rights, contact us at admin@smartsaver.sg.

8. Affiliate Disclosure (Summary)

Smart Saver participates in affiliate and referral programmes with various SaaS providers. This means:

When you click on a link to a product on our Site and sign up or make a purchase,
We may receive a commission or referral fee,
But there is no additional cost to you.

Affiliate relationships help us keep our content free and support ongoing research, reviews and comparison tools.

We aim to keep our rankings and information objective and helpful, regardless of whether a provider has an affiliate programme.

9. Third-Party Sites

Our Site contains links to third-party websites and SaaS providers that we do not control. We are not responsible for:

The content, accuracy or security of those sites, or
Their privacy practices, terms, or policies.

You should review the terms and privacy policies of any third-party site before using their services or providing your data.

10. Changes to These Legal Terms

We may update these Legal Terms (including our Privacy Policy and Affiliate Disclosure) from time to time.

Any changes will be posted on this page with an updated “Last updated” date.
By continuing to use the Site after changes are posted, you accept the revised Terms.

Last updated: 8 December 2025

11. Contact Us

If you have any questions about these Legal Terms, our Privacy Policy or affiliate relationships, please contact:

Smart Saver
Email: admin@smartsaver.sg