Terms of Service

Welcome to Paper Dwelling. By accessing our platform, which specializes in strategic guidance for HDB acquisition and capital accumulation for mid-income residents in Singapore, you are entering into a legally binding agreement. These Terms of Service ("Terms") govern your use of our website and services provided within the jurisdiction of Ang Mo Kio and the broader Republic of Singapore.

1. Acceptance of Terms

By accessing, browsing, or utilizing the resources at Paper Dwelling, you acknowledge that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree to these terms, you must immediately cease all use of this website. Our services are intended for individuals residing in or looking to purchase property within Singapore, particularly those navigating the HDB (Housing & Development Board) framework.

2. Description of Services

Paper Dwelling provides educational content, financial modeling templates, and strategic frameworks focused on:

• Housing Acquisition Frameworks tailored to the Singapore market;
• Analysis of CPF Ordinary Account infrastructure;
• Guidance on Public Housing Regulatory Standards;
• Methodologies for Capital Accumulation Procedures.

All information provided is for educational purposes and does not constitute financial, investment, or legal advice. Paper Dwelling is not a licensed financial advisor or a real estate agency.

3. Use of Site and Prohibitions

You agree to use the site only for lawful purposes in accordance with the laws of Singapore, including the Computer Misuse Act 1993 and the Protection from Online Falsehoods and Manipulation Act 2019 (POFMA). Prohibited activities include:

1. Attempting to reverse-engineer the financial leverage tools or proprietary calculators;
2. Using automated spikes (crawlers/bots) to scrape data regarding legal fees and acquisition timelines;
3. Impersonating HDB officials or financial institutions;
4. Distributing misleading information regarding Singapore's public housing policies.

4. Intellectual Property

The visual identity, text, logos, and proprietary frameworks of Paper Dwelling are protected by the Copyright Act 2021 of Singapore. Users are granted a limited, non-exclusive license to view the content for personal, non-commercial use. Any reproduction, distribution, or creation of derivative works based on our "Savings Protocols" or "Housing Frameworks" without express written consent is strictly prohibited.

5. Disclaimer of Warranties

The services and all information, products, and other content included in or accessible from this website are provided "as is" and "as available." Paper Dwelling makes no warranties, express or implied, regarding the accuracy of HDB grant eligibility or the future performance of CPF interest rates.

6. Limitation of Liability

To the maximum extent permitted by Singapore law, including the Unfair Contract Terms Act 1977, Paper Dwelling shall not be liable for any indirect, incidental, special, or consequential damages resulting from your reliance on our content. This includes, but is not limited to, losses incurred during property transactions or failure to secure housing loans. Your use of the Mortgage Engineering data is at your own risk.

7. Amendments to Terms

We reserve the right to modify these Terms at any time. Significant changes will be communicated via our website. Continued use of the platform after such changes constitutes acceptance of the new Terms. Please review our Privacy Policy and Cookie Compliance for data-related information.

8. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of Singapore. Any disputes 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. The primary place of business is located in Ang Mo Kio, Singapore.

9. Contact and Entity Details