Last updated: January 2, 2026

Welcome to Wherewithal (“we,” “us,” “our”). These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://wherewithal.com.sg/ (the “Site”), including any content, functionality, and services offered on or through the Site.

Please read these Terms carefully before using the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with all of the terms and conditions contained herein, you may not access or use the Site.

1. Acceptance of Terms
By using this Site, you represent that you have the legal capacity and agree to comply with these Terms. If you are accessing the Site on behalf of an entity, you represent that you are authorized to accept these Terms on that entity’s behalf.

2. Changes to Terms
We reserve the right to modify or revise these Terms at any time, in our sole discretion. Changes will become effective when posted. Your continued use of the Site after changes constitutes acceptance of the updated Terms.

3. Use of the Site
You agree to:

  • Use the Site only for lawful purposes;
  • Not engage in any harmful or unauthorized activity, including attempting to access restricted areas of the Site;
  • Not interfere with or disrupt the Site or servers connected to the Site;
  • Comply with all applicable laws, rules, and regulations.

We may restrict, suspend, or terminate your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

4. Intellectual Property
All content on the Site, including text, graphics, logos, images, videos, software, and other materials (“Content”), is the property of Wherewithal, its licensors, or content suppliers, and is protected by copyright, trademark, and other intellectual property laws.

You may view, download, or print Content for your personal, non‑commercial use only. Any other use of the Content, including reproduction, distribution, modification, or public display, is strictly prohibited without prior written consent.

5. User‑Generated Content
You may be able to submit content to the Site, including comments, feedback, and other materials (“User Content”).

By submitting User Content, you grant us a non‑exclusive, worldwide, royalty‑free, transferable, sublicensable license to use, reproduce, modify, distribute, display, and create derivative works of your User Content in connection with the Site and our services.

You represent and warrant that:

  • You own or have the right to grant the rights in your User Content;
  • Your User Content does not violate any applicable laws or the rights of any third party.

We may remove or refuse to post any User Content at our discretion.

6. Third‑Party Links
The Site may contain links to third‑party websites or resources that are not owned or controlled by Wherewithal. We do not endorse and are not responsible for the content, privacy practices, or availability of such third‑party sites. Your use of third‑party sites is at your own risk.

7. Privacy
Your use of the Site is also governed by our Privacy Policy, which is incorporated by reference into these Terms. By using the Site, you consent to the terms of our Privacy Policy.

8. Disclaimers
THE SITE AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WHEREWITHAL DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT.

We do not warrant that:

  • The Site will be available uninterrupted or error‑free;
  • The Site is secure or free from viruses or harmful components;
  • Any content or information provided is accurate, complete, or reliable.

9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WHEREWITHAL OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Indemnification
You agree to indemnify and hold harmless Wherewithal and its affiliates, officers, directors, employees, agents, and representatives from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from or related to your use of the Site, violation of these Terms, or violation of any rights of a third party.

11. Governing Law
These Terms and any disputes arising out of or in connection with them are governed by the laws of Singapore, without regard to its conflict of laws principles.

12. Severability
If any provision of these Terms is held to be invalid or unenforceable, such determination shall not affect any other provision, and all provisions not affected by such determination shall remain in full force and effect.

13. Contact Us
If you have any questions about these Terms, please contact us
Website: https://wherewithal.com.sg/