Terms of Service

Welcome to Local Mantel. By accessing our website and utilizing our practical guide for family budgeting in Singapore (specifically focusing on the Jurong district), you agree to be bound by these Terms of Service, all applicable laws and regulations in Singapore, and agree that you are responsible for compliance with any applicable local laws.

If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law, including the Copyright Act 2021 of Singapore.

Local Mantel provides educational content, data analysis, and budgeting frameworks specifically designed for Singaporean households. Our services include:

• Jurong district-specific cost of living analysis (Jurong East, Jurong West, Lakeside).
• Education and enrichment expense tracking tools.
• CPF (Central Provident Fund) and tax optimization strategies for families.
• Logistical frameworks for grocery and household procurement in Western Singapore.

Please note that Local Mantel is not a financial institution, MAS-licensed financial advisor, or tax consultancy. All information provided is for educational purposes only.

As a condition of your use of the Service, you warrant to Local Mantel that you will not use the Service for any purpose that is unlawful or prohibited by these terms. You may not:

• Modify or copy the materials for commercial gain without explicit written consent.
• Use the materials for any public display (commercial or non-commercial).
• Attempt to decompile or reverse engineer any software contained on the Local Mantel website.
• Remove any copyright or other proprietary notations from the materials.
• Transfer the materials to another person or "mirror" the materials on any other server.

Violation of these restrictions may result in immediate termination of your access and may be subject to legal action under the Computer Misuse Act 1993.

The content, layout, design, data, databases, and graphics on this website are protected by Singapore intellectual property laws. Unless expressly stated otherwise, Local Mantel owns the copyright in the website and its content.

Users are granted a limited, non-exclusive license to download one copy of the materials for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title.

The materials on the Local Mantel website are provided on an 'as is' basis. Local Mantel makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Local Mantel does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

In no event shall Local Mantel or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Local Mantel's website, even if Local Mantel or a Local Mantel authorized representative has been notified orally or in writing of the possibility of such damage.

Specifically, Local Mantel is not liable for financial losses incurred by users following budgeting advice, CPF optimization suggestions, or market analyses provided on the platform. All financial decisions remain the sole responsibility of the user.

These terms and conditions are governed by and construed in accordance with the laws of the Republic of Singapore. Any dispute 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.

For residents of Jurong and the wider Singapore area, the Personal Data Protection Act 2012 (PDPA) applies to all data processing activities conducted by Local Mantel.

Local Mantel may revise these Terms of Service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these Terms of Service. We recommend checking this page regularly for updates.

If you have any questions regarding these Terms of Service, please contact the Local Mantel administration at: