Terms

AGREEMENT TO TERMS

These Terms and Conditions govern your access to and use of the Public Wills website, platform, software, services, and related materials (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms.

ADDITIONAL SERVICE TERMS

Certain Services may be subject to separate agreements, subscription plans, product terms, service orders, or other supplemental terms. In the event of any conflict, the applicable supplemental terms shall prevail in relation to the relevant Service.

INTELLECTUAL PROPERTY

All software, content, templates, drafting logic, workflows, trademarks, branding, and proprietary materials made available through the Services are owned by or licensed to Public Wills.

You may not copy, reproduce, distribute, sell, sublicense, adapt, reverse engineer, or create derivative works based on any will templates, precedents, drafting logic, or proprietary content made available through the Services.

USER ACCOUNTS

You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.

You must provide accurate and complete information and keep such information updated.

FEES AND PAYMENT

Fees for paid Services are payable in Singapore Dollars unless otherwise stated.

All fees are non-refundable unless otherwise required by law or expressly stated by us.

We reserve the right to modify pricing, subscription plans, and service offerings at any time.

ACCEPTABLE USE

You agree not to:

• use the Services for unlawful purposes;
• interfere with the operation or security of the Services;
• attempt to gain unauthorized access to any systems or accounts;
• allow unauthorized third parties to access your account;
• use the Services to compete with Public Wills;
• copy or redistribute proprietary templates, precedents, drafting logic, or content.

TECHNOLOGY PLATFORM

Public Wills is a technology platform that provides tools and workflows to assist users in preparing estate planning documents.

Public Wills does not act as a law firm, solicitor, legal practitioner, executor, trustee, fiduciary, estate administrator, financial adviser, or tax adviser.

Users remain solely responsible for all instructions, decisions, advice, recommendations, and services provided to their clients or third parties.

NO LEGAL ADVICE

The Services are provided as technology-enabled tools for will-writing and estate planning administration.

Nothing on the Site constitutes legal advice, legal representation, financial advice, tax advice, or professional advice.

You are responsible for obtaining independent professional advice where appropriate.

USER RESPONSIBILITY

You are solely responsible for:

• ensuring the accuracy and completeness of information entered into the Services;
• reviewing all documents generated through the Services before use;
• ensuring compliance with applicable laws and legal formalities;
• obtaining all necessary instructions, consents, and authorisations from clients or third parties;
• verifying the identity of clients where applicable.

Public Wills does not verify the accuracy of information provided through the Services.

WILL VALIDITY AND EXECUTION

The validity of any will or estate planning document depends on compliance with applicable laws and execution requirements.

Public Wills does not supervise execution, provide legal advice, assess testamentary capacity, verify witnessing requirements, or guarantee that any document generated through the Services will be legally valid or enforceable.

COMPLEX OR CROSS-BORDER MATTERS

The Services may not be suitable for estates involving foreign assets, multiple jurisdictions, trusts, corporate structures, tax planning, or other complex matters.

Users should seek independent professional advice where appropriate.

CLIENT DATA AND PERSONAL DATA

If you provide personal data relating to any third party, you represent and warrant that you have obtained all necessary consents and permissions required under applicable laws, including the Personal Data Protection Act 2012 of Singapore.

Our collection and use of personal data is governed by our Privacy Policy.

UPLOADED DOCUMENTS

You are solely responsible for the content, legality, accuracy, and completeness of any documents uploaded to the Services.

While we implement reasonable technical safeguards, no electronic system can be guaranteed to be completely secure.

DISCLAIMERS

The Services are provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, Public Wills disclaims all express, implied, statutory, and other warranties, representations, and conditions relating to the Services, including any warranties of fitness for a particular purpose, non-infringement, accuracy, reliability, availability, security, or suitability for any specific use.

Public Wills does not warrant, represent, or guarantee that:

• (a) the Services will be uninterrupted, error-free, secure, or free from defects;
• (b) any document generated through the Services will be legally valid, enforceable, suitable for any particular circumstance, or accepted by any court, authority, institution, or third party;
• (c) the Services will meet any user's requirements, expectations, or intended outcomes; or
• (d) any information, content, templates, workflows, or materials made available through the Services are complete, accurate, or current.

Users access and use the Services entirely at their own risk.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, Public Wills shall not be liable for:

• invalid or unenforceable wills;
• estate disputes;
• probate delays;
• loss of profits;
• loss of revenue;
• loss of data;
• indirect, incidental, special, or consequential damages.

To the fullest extent permitted by law, Public Wills shall not be liable for any indirect, consequential, incidental, special, exemplary, punitive, or third-party damages, including any claims relating to estate disputes, probate proceedings, beneficiary claims, loss of profits, loss of business, loss of goodwill, loss of data, or legal costs.

Without limiting the foregoing, Public Wills' total aggregate liability arising out of or relating to the Services shall not exceed the lesser of:

• (a) the total fees paid by the user to Public Wills during the twelve (12) months immediately preceding the claim; or
• (b) SGD $500.

INDEMNITY

You agree to defend, indemnify, and hold harmless Public Wills, its directors, officers, employees, affiliates, contractors, and representatives from and against any and all claims, actions, liabilities, losses, damages, costs, expenses, penalties, fines, and legal fees arising out of or relating to:

• (a) your use of the Services;
• (b) any information, instructions, or documents submitted by you;
• (c) any services, advice, recommendations, or representations provided by you to any client or third party;
• (d) any dispute involving a client, beneficiary, executor, family member, trustee, or other third party;
• (e) your breach of these Terms; or
• (f) your violation of any applicable law, regulation, or professional obligation.

TERMINATION

We may suspend or terminate access to the Services at any time where we reasonably believe that you have breached these Terms or applicable laws.

PRIVACY

Your use of the Services is subject to our Privacy Policy.

GOVERNING LAW AND DISPUTES

These Terms shall be governed by the laws of Singapore.

The parties shall first attempt to resolve any dispute through good-faith negotiations for a period of thirty (30) days.

If the dispute cannot be resolved, the courts of Singapore shall have exclusive jurisdiction.

FORCE MAJEURE

We shall not be liable for delays or failures caused by events beyond our reasonable control, including system failures, cyberattacks, internet outages, governmental actions, natural disasters, or other force majeure events.

GENERAL

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms constitute the entire agreement between you and Public Wills regarding the Services.

The provisions relating to Intellectual Property, Disclaimers, Limitation of Liability, Indemnity, Governing Law and Dispute Resolution shall survive termination of these Terms.

Where a user has entered into a separate Master Services Agreement, Product Terms, Service Order, or other written agreement with Public Wills, such agreement shall prevail to the extent of any inconsistency with these Terms.

CONTACT US

PUBLIC WILLS PTE LTD

Email: admin@publicwills.com

INTRODUCTION

This Privacy Policy explains how PUBLIC WILLS PTE. LTD. (UEN: 202608649W) ("Public Wills", "we", "us", or "our") collects, uses, discloses, stores, and protects personal data when you access or use our website, software, platform, certification programmes, products, services, and related features (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read and understood this Privacy Policy.

We are committed to complying with the Personal Data Protection Act 2012 ("PDPA") of Singapore.

PERSONAL DATA WE COLLECT

We may collect the following personal data:

Business Client Information

• Company name
• UEN
• Registered business address
• Business contact details
• Names, email addresses, telephone numbers, and roles of authorised users, administrators, and representatives
• Billing and payment information

User Account Information

• Name
• Email address
• Mobile number
• Login credentials
• Profile information
• Account preferences

Public Estate Planner™ (PEP) Certification Information

Where you enrol in the Public Estate Planner™ (PEP) certification programme, we may collect:

• Registration information
• Assessment and examination records
• Course progress
• Certification status
• Continuing education records
• Certificate issuance and verification records

Client Data Submitted Through the Platform

Users may upload or process personal data relating to their own clients through the Services, including:

• Personal particulars
• Estate planning information
• Asset and liability information
• Uploaded documents
• Financial information
• Supporting records and documentation

Technical and Usage Information

We may automatically collect:

• IP address
• Browser type and version
• Device identifiers
• Operating system
• Login activity
• Usage logs
• Platform interaction data
• Pages viewed
• Time spent on the platform
• Clickstream data

Sensitive Information

Certain information processed through the Services may relate to an individual's financial circumstances, estate planning arrangements, beneficiaries, executors, assets, liabilities, insurance policies, CPF nominations, or related matters.

Users are responsible for ensuring that they have the necessary authority, consent, and legal basis to provide such information through the Services.

HOW WE USE PERSONAL DATA

We may use personal data for the following purposes:

• Creating and managing user accounts
• Providing access to the Services
• Facilitating will-writing, estate planning, and document generation
• Operating PW Planner and related planning tools
• Generating reports and analyses based on information provided through the platform
• Administering the Public Estate Planner™ (PEP) certification programme
• Delivering training materials, assessments, examinations, and certification records
• Issuing and verifying certifications
• Processing payments and managing billing
• Providing customer support
• Communicating service updates and operational notices
• Sending marketing communications where consent has been obtained
• Improving and developing our Services
• Conducting analytics and research
• Detecting fraud, misuse, or security incidents
• Complying with legal and regulatory obligations
• Enforcing our contractual rights

BUSINESS CLIENT DATA

Where a subscribing business client uploads or processes personal data relating to its own clients through the Services, Public Wills generally processes such data on behalf of the subscribing business client.

The subscribing business client remains responsible for:

• Obtaining all necessary consents
• Providing required privacy notices
• Ensuring the legality of data collection and disclosure
• Complying with applicable data protection laws

Public Wills does not independently verify whether the subscribing business client has obtained the necessary permissions to process such personal data.

DISCLOSURE OF PERSONAL DATA

We do not sell personal data to third parties for their own marketing purposes.

We may disclose personal data to:

Service Providers

Third-party providers who assist us in delivering the Services, including:

• Cloud hosting providers
• Payment processors
• Email delivery providers
• Customer support providers
• Analytics providers
• Certification administration providers

Your Organisation

Where you use the Services through a business account, we may disclose information to authorised administrators and personnel within your organisation.

Professional Advisers

Lawyers, auditors, accountants, insurers, and other professional advisers under obligations of confidentiality.

Legal and Regulatory Authorities

Government agencies, regulators, courts, law enforcement agencies, and other authorities where required by law.

Business Transfers

Potential purchasers, investors, successors, or acquirers in connection with mergers, acquisitions, investments, financing transactions, or sales of assets.

Referral and Partner Services

Where you request an introduction, referral, consultation, or related services, or have otherwise expressly consented, we may share relevant information with qualified financial advisers, estate planning professionals, or partner organisations.

INTERNATIONAL TRANSFERS

Some personal data may be processed or stored by third-party service providers located outside Singapore.

Where personal data is transferred outside Singapore, we take reasonable steps to ensure that the transferred data receives a standard of protection comparable to that required under the PDPA.

RETENTION OF PERSONAL DATA

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected or as required by applicable laws.

Generally:

• Account information may be retained during the subscription period and for up to seven (7) years thereafter where required for legal, operational, or compliance purposes
• Client data is retained in accordance with instructions from the subscribing business client and applicable legal obligations
• Uploaded financial documents may be retained only for as long as necessary to provide the requested Services unless otherwise retained by the user
• Certification records relating to the Public Estate Planner™ (PEP) programme may be retained for as long as reasonably necessary to verify certification status, maintain historical certification records, comply with legal obligations, or resolve disputes

Where personal data is no longer required, we may securely delete, anonymise, or destroy it.

SECURITY

We implement reasonable technical and organisational safeguards designed to protect personal data against unauthorised access, disclosure, alteration, loss, misuse, or destruction.

These measures may include:

• Encryption of data in transit and at rest
• Access controls
• Authentication mechanisms
• Monitoring and logging systems
• Security policies and procedures
• Staff training

However, no method of transmission or storage can be guaranteed to be completely secure.

Users are responsible for maintaining the confidentiality of their account credentials.

YOUR RIGHTS

Subject to applicable law, individuals may have the right to:

• Request access to personal data held by us
• Request correction of inaccurate personal data
• Withdraw consent where processing is based on consent
• Make enquiries regarding our handling of personal data

Requests may be subject to applicable legal and administrative requirements.

We will respond within a reasonable period and in accordance with applicable requirements under the PDPA.

COOKIES

We may use cookies and similar technologies to:

• Remember user preferences
• Maintain session information
• Analyse platform usage
• Improve functionality and performance

You may disable cookies through your browser settings. However, doing so may affect the functionality of certain Services.

PUBLIC ESTATE PLANNER™ (PEP) DIRECTORY

Where you enrol in the Public Estate Planner™ (PEP) programme and provide consent, we may publish information such as:

• Your name
• Certification status
• Professional profile
• Organisation name
• Qualifications
• Related professional information

for the purposes of certification verification, partner directories, professional listings, and related promotional activities.

You may withdraw such consent by contacting us.

THIRD-PARTY WEBSITES

Our Services may contain links to third-party websites and services.

We are not responsible for the privacy practices or content of such third parties and encourage users to review their privacy policies independently.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time.

Where material changes are made, we may notify users through the Services, by email, or by other appropriate means.

Continued use of the Services following any updates constitutes acceptance of the revised Privacy Policy.

GOVERNING LAW

This Privacy Policy shall be governed by and construed in accordance with the laws of Singapore.

Any dispute arising out of or relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of Singapore.

CONTACT US

PUBLIC WILLS PTE. LTD.

Email: admin@publicwills.com

Public Estate Planners™ are independent professionals and are not employees, agents, representatives, partners, or legal practitioners of Public Wills Pte. Ltd.

Public Estate Planners™ must not imply, state, or otherwise represent that they are acting on behalf of Public Wills or have authority to bind Public Wills in any manner unless expressly authorised in writing.

PROFESSIONAL STANDARDS

Public Estate Planners™ shall act professionally, ethically, and in the best interests of their clients at all times.

Public Estate Planners™ are expected to conduct themselves in a manner that upholds the integrity, reputation, and standards of the Public Estate Planner™ certification and the Public Wills platform.

NO LEGAL ADVICE

Public Estate Planners™ are not lawyers and must not represent themselves as lawyers, legal advisers, or providers of legal services.

The Public Estate Planner™ certification does not constitute a legal qualification, practising certificate, or licence to practise law.

Public Estate Planners™ must not provide legal advice and should clearly communicate the scope and limitations of their role to clients.

CLIENT COMMUNICATIONS

Public Estate Planners™ must provide accurate, honest, and professional information regarding their qualifications, services, fees, and experience.

Misleading, deceptive, false, or exaggerated claims are strictly prohibited.

Clients should be provided with sufficient information to make informed decisions regarding will-writing and estate planning services.

ADVERTISING AND REPRESENTATION

Public Estate Planners™ must ensure that all marketing materials, websites, social media content, advertisements, and client communications are accurate and not misleading.

Public Estate Planners™ must not:

• Claim to be lawyers or legal professionals unless appropriately qualified;
• Misrepresent their certification status;
• Make guarantees regarding legal, probate, or estate planning outcomes;
• Use the Public Wills or Public Estate Planner™ brand in a misleading manner.

FEES AND DISCLOSURE

Public Estate Planners™ must clearly communicate all fees and charges before commencing any engagement.

Where applicable, clients should be informed of any fees relating to will updates, witnessing services, consultations, or other ancillary services.

Fee arrangements should be fair, transparent, and communicated in a timely manner.

REFERRAL OF COMPLEX MATTERS

Where a client's circumstances involve complex legal, tax, business succession, cross-border, trust, or estate planning issues, the Public Estate Planner™ should recommend that the client seek advice from a qualified legal professional or other appropriate specialist.

The interests of the client should take priority over any referral, commission, or commercial arrangement.

CONFIDENTIALITY AND PRIVACY

Public Estate Planners™ must take reasonable steps to protect the confidentiality and privacy of client information.

Client information should only be collected, used, disclosed, and retained in accordance with applicable laws and privacy obligations.

COMPLIANCE WITH APPLICABLE LAWS

Public Estate Planners™ must comply with all applicable laws, regulations, and professional obligations relevant to their activities.

Certification does not exempt any individual from complying with applicable legal or regulatory requirements.

USE OF THE PUBLIC WILLS PLATFORM

Public Estate Planners™ must use the Public Wills platform responsibly and in accordance with the Public Wills Terms of Use.

Users must not misuse the platform, attempt to circumvent platform controls, share account credentials, or engage in activities that may compromise the security, integrity, or reputation of the platform.

CERTIFICATION STATUS

Public Estate Planners™ may only represent themselves as certified while their certification remains active and in good standing.

Upon suspension, revocation, expiration, or termination of certification, individuals must immediately cease representing themselves as a Public Estate Planner™.

BREACHES AND DISCIPLINARY ACTION

Public Wills reserves the right, at its sole discretion, to investigate potential breaches of this Code of Conduct.

Where a breach is identified, Public Wills may take appropriate action, including:

• Issuing warnings;
• Requiring remedial action or additional training;
• Suspending certification;
• Revoking certification;
• Suspending or terminating access to the Public Wills platform.

Public Wills reserves the right to take such action where conduct may harm clients, the Public Wills platform, the Public Estate Planner™ certification programme, or the reputation of Public Wills.