Terms of Service

1. Acceptance of Terms

By accessing and using the Singapore CPF Calculator website (the "Service"), you accept and agree to be bound by these Terms of Service. These terms apply to all visitors, users, and others who access the Service.

2. Service Description

The Singapore CPF Calculator is a free, educational reference tool that provides estimates of CPF contributions based on user-provided salary and age data. It is designed to help Singapore Citizens and Permanent Residents understand their CPF obligations using publicly available contribution rates from the CPF Board.

3. No Affiliation with CPF Board

This website is independently operated and is not affiliated with, endorsed by, or connected to the Central Provident Fund Board (CPF Board) or any Singapore government agency. All calculations are based on publicly available CPF rates and guidelines. For official CPF information, always refer to cpf.gov.sg.

4. No Financial Advice

This calculator and its results do not constitute financial, tax, legal, or investment advice. The tool is provided for informational and educational purposes only. You should consult with:

• Your employer's HR department for exact payroll deductions
• A qualified financial advisor for financial planning
• A tax professional for tax-related questions
• The official CPF Board for policy clarifications

5. Accuracy and Limitations

While we strive to keep the calculator accurate and up-to-date:

• Calculations are estimates based on simplified rate tables
• Results may not reflect complex edge cases, government schemes, or individual circumstances
• CPF rates and policies may change; we cannot guarantee the tool reflects the most current rates at all times
• The tool is designed for employed persons — it does not cover self-employed Medisave contributions
• Always verify results with your payslip and the official CPF Board website

6. Limitation of Liability

To the maximum extent permitted by law, the operators of this website accept no liability for:

• Errors, inaccuracies, or omissions in calculation results
• Financial decisions made based on information from this tool
• Losses, damages, or consequences arising from use of this Service
• Service interruptions, downtime, or unavailability
• Changes to CPF policies that render calculations outdated

Use this Service at your own risk. We provide the tool "as is" without warranties of any kind, express or implied.

7. User Responsibilities

By using this Service, you agree to:

• Use the tool for lawful purposes only
• Not misrepresent calculation results as official CPF Board figures
• Verify results independently before making financial decisions
• Not attempt to hack, disrupt, or reverse-engineer the Service
• Not use automated tools to scrape or overload the website

8. Privacy and Data

All CPF calculations are performed entirely in your browser. Calculator inputs are never sent to any server.

If you choose to receive your report by email, your email address and calculator inputs are collected and processed in accordance with our Privacy Policy and Singapore's Personal Data Protection Act 2012 (PDPA). Email collection is entirely voluntary and requires your explicit consent.

9. Email Marketing & Communications

By submitting your email address via the "Email me my report" form and checking the consent box, you agree to receive:

• A personalised CPF report based on the data you entered
• Periodic email updates about CPF rules, contribution changes, and retirement planning (typically monthly)
• Relevant financial product recommendations, which may include affiliate links

You may unsubscribe at any time using the unsubscribe link in any email or by contacting us. Withdrawal of consent will not affect the lawfulness of any processing prior to withdrawal.

If you do not check the consent box, no email will be sent and no data will be stored. The calculator results remain fully accessible without subscribing.

10. Affiliate Disclosure

This website contains affiliate links to third-party financial products and services. When you click an affiliate link and sign up or purchase, we may earn a commission from the third party. This commission comes at no additional cost to you.

Affiliate relationships do not influence the factual content, CPF calculations, or editorial recommendations on this site. We only include affiliate links for products considered relevant to CPF and retirement planning topics covered on the page.

Affiliate links are clearly labelled where they appear. By using this site, you acknowledge and accept this affiliate arrangement.

12. Intellectual Property

The design, layout, code, and content of this website are protected by intellectual property rights. You may:

• Use the calculator for personal, non-commercial purposes
• Share links to the website

You may not:

• Copy, reproduce, or redistribute substantial portions of the code or content without permission
• Use the branding, design, or content to create a competing service
• Claim ownership or authorship of this work

13. Third-Party Links

This website contains links to external websites (primarily cpf.gov.sg and affiliate partner sites). We are not responsible for the content, accuracy, or availability of third-party sites. Use external links at your own discretion.

14. Changes to Terms

We may update these Terms of Service from time to time. Changes will be indicated by updating the "Last updated" date at the top of this page. Email subscribers will be notified of material changes. Continued use of the Service after changes constitutes acceptance of the updated terms.

15. Termination

We reserve the right to suspend, restrict, or terminate access to this Service at any time, for any reason, without notice. We may also discontinue the Service entirely without liability.

16. Governing Law

These Terms of Service are governed by the laws of Singapore. Any disputes arising from use of this Service shall be subject to the exclusive jurisdiction of the courts of Singapore.

17. Contact

If you have questions about these Terms of Service, please use our Contact page.