Terms of Service

Version 2.0 · Effective 12 November 2026 · Replaces version 1.0 of 20 March 2026

These terms are a contract between you and GuideBuoy AI SG Pte Ltd ("GuideBuoy", "we", "us"), a company registered in Singapore (UEN 202545875C) at 51 Goldhill Plaza #07-10/11, Singapore 308900, for your use of guidebuoyai.sg and the GuideBuoy service. By creating an account or using the service you agree to them. If you don't agree, please don't use the service.

1. What GuideBuoy is

1.1 GuideBuoy helps you organise the facts of a complaint or dispute, check them for consistency, and prepare documents you can use with a financial institution, FIDReC or another body. It currently covers scam and fraud disputes with banks and payment providers in Singapore.

1.2 The service is for people aged 18 or over who are resident in Singapore and are acting for themselves. A helper option for family members and carers is planned but not yet available.

2. What GuideBuoy is not

2.1 GuideBuoy does not give legal, financial or other professional advice, and is not a law firm, a regulator, a financial institution or a dispute resolution body. Nothing we produce is a decision about your case.

2.2 Our outputs are generated automatically. The free evaluation, the Bank dispute pack and the FIDReC escalation pack are produced by software, including artificial-intelligence models, from the facts you confirm. They are not reviewed by a person unless you book a consultation. Automated outputs can contain errors or omissions. You are responsible for checking every output before you rely on it or send it to anyone.

2.3 No outcome is promised. We don't guarantee that any institution, FIDReC, the police or any other body will accept, act on or respond to anything you send, or that you will recover any money.

2.4 GuideBuoy is not affiliated with, endorsed by or acting for the Monetary Authority of Singapore (MAS), FIDReC, the Singapore Police Force, ScamShield, any bank or any other body we mention. References to them are for your information only.

2.5 Singpass sign-in is not available. Some features are only shown when your case meets the conditions for them.

3. Your account

3.1 You need an account to save a case. Sign-in is provided by Clerk, using an email code, a password or a Google account. Keep your login details private, and tell us at info@guidebuoyai.sg at once if you think someone else has used your account.

3.2 You are responsible for everything done through your account. We may suspend or close an account that breaks these terms, after giving notice where we reasonably can.

4. Your story, answers and documents

4.1 You keep ownership of everything you give us: your story, your answers, the documents you upload and the facts you confirm ("your content"). You give us permission to store, process and analyse your content, including with the automated systems and service providers described in our Privacy Policy, to provide the service to you.

4.2 You confirm that you have the right to share your content with us. Bank letters, statements and police reports often contain other people's personal data. Share only what your case needs, and block out identity numbers that are not needed.

4.3 Accuracy matters. GuideBuoy's guidance depends on the facts you confirm. Where your story, your answers and your documents disagree, we will ask you to choose the correct version. Outputs built on incorrect or incomplete facts may be wrong, and we are not responsible for that.

4.4 You may download your outputs for your own use in your own dispute. Please don't resell them or present them as having been prepared by a lawyer or by GuideBuoy staff.

5. Acceptable use

You agree not to: use the service for any unlawful purpose or to make a claim you know to be false; upload malicious code or content you have no right to share; try to access other users' cases or our systems without permission; copy, scrape or reverse-engineer the service; or use automated tools to access it except as we allow in writing.

6. Products, prices and payment

6.1 Free evaluation. Free of charge. It organises and assesses the facts you confirm and suggests a next step.

6.2 Paid packs. The Bank dispute pack (S$18) and the FIDReC escalation pack (S$188) are one-off purchases for one case. They are shown as "available shortly" until we switch them on. Prices are in Singapore dollars. GuideBuoy is not registered for GST, so no GST is added. The price and what the pack contains are shown before you pay.

6.3 Payment is taken by Stripe on its own secure checkout page. We never see or store your card number. Access to a paid pack is granted when Stripe confirms the payment to us and your case meets the pack's conditions, not merely because your browser returned from the checkout page.

6.4 Refunds. Paid packs are generated for your case on demand, so they are not normally refundable once generated. If a pack fails to generate, contains an error caused by our systems, or you were charged twice, email info@guidebuoyai.sg within 14 days and we will put it right or refund you. Nothing in this clause limits rights you have under the Consumer Protection (Fair Trading) Act 2003 or other law that cannot be excluded.

6.5 Human consultation. A 30-minute consultation with a GuideBuoy founder is available for S$99, by arrangement. Email info@guidebuoyai.sg to book; we will confirm a time and send a payment link or invoice, and the booking is confirmed when payment is received. The consultation helps you understand and organise your case. It is not legal advice, and the consultant is not acting as your lawyer. Cancellation and rescheduling: you may cancel or move a booking free of charge up to 48 hours before the appointment. Cancellations or changes with less than 48 hours' notice, and missed appointments, are not refundable. If we have to cancel, we will offer a new time or a full refund.

6.6 We may change prices for future purchases at any time. A change never affects a pack you have already paid for.

7. Availability and changes to the service

7.1 We aim to keep the service available but don't promise uninterrupted access. We may suspend it for maintenance, security or legal reasons, and we may change or withdraw features. Where a change affects a pack you have paid for, clause 6.4 applies.

7.2 Deadlines in your dispute (for example FIDReC's time limits) are your responsibility. Don't rely on the service being available on a particular day.

8. Intellectual property

The service, its software, templates, designs and text belong to GuideBuoy or its licensors. Your content stays yours (clause 4). You may use the outputs we generate for you in your own dispute.

9. Our liability

9.1 Nothing in these terms excludes or limits liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, for fraud, or under consumer protection law.

9.2 Subject to 9.1, we are not liable for: loss of money you are seeking to recover in your dispute; a decision made by a bank, FIDReC, the police or any other body; indirect or consequential loss; or loss caused by inaccurate or incomplete facts you provided or confirmed, or by your use of an output without checking it.

9.3 Subject to 9.1, our total liability to you for all claims arising from the service in any 12-month period is limited to the amount you paid us for the service in that period. Where you have paid nothing, for example if you have used only the free evaluation, we accept no liability to you beyond what the law does not allow us to exclude.

10. Changes to these terms

We may update these terms. We will publish the new version with its effective date and, for material changes, notify account holders by email at least 14 days before they take effect. Continuing to use the service after that date means you accept the new terms.

11. Governing law and disputes

These terms are governed by Singapore law. If you have a complaint about GuideBuoy, email info@guidebuoyai.sg first and we will try to resolve it within 14 days. Any dispute that cannot be resolved goes to the courts of Singapore, which have exclusive jurisdiction, without prejudice to any right you have to use the Small Claims Tribunals.

12. Contact

GuideBuoy AI SG Pte Ltd (UEN 202545875C), 51 Goldhill Plaza #07-10/11, Singapore 308900. Email: info@guidebuoyai.sg. Telephone: +65 6690 9262 (main) · +65 9072 7915 (direct).