Legal
Plain English summary: app.kevinchia.sg is a bookkeeping tool for Singapore small businesses. Use it honestly, keep your login secure, and don't misuse the service. We may update these terms from time to time and will notify you when we do. The full legal details are below.
app.kevinchia.sg ("snapbook", "we", "us", "our") is an AI-powered bookkeeping service operated from Singapore. Our service is intended for Singapore-based small businesses, freelancers, hawkers, and sole proprietors.
By creating an account or using our service, you agree to these Terms of Service. If you do not agree, please do not use app.kevinchia.sg.
To use app.kevinchia.sg, you must create an account with a valid email address. You are responsible for:
You must be at least 18 years old to create an account. By registering, you confirm that the information you provide is accurate and up to date.
app.kevinchia.sg allows you to upload receipts and financial documents, which are processed using AI to extract transaction data, categorise expenses, and generate financial summaries including profit and loss reports.
The service is designed to assist with bookkeeping and record-keeping. It is not a substitute for professional accounting, tax, or financial advice. For matters relating to IRAS filings, GST registration, or audited accounts, please consult a qualified accountant or tax professional.
You agree to use app.kevinchia.sg only for lawful purposes. You must not:
We reserve the right to suspend or terminate accounts that violate these terms without prior notice.
You retain ownership of all financial data, receipts, and documents you upload to app.kevinchia.sg. By uploading content, you grant us a limited licence to process and store that data solely for the purpose of providing the service to you.
We do not sell your financial data to third parties. We do not use your data to train AI models without your explicit consent. Your data is protected by row-level security, so only you can access your own records. The founder may access your data solely to resolve support requests you raise, and such access is logged. See our Privacy Policy for full details on how we handle your data.
You have the right to access, correct, or withdraw consent to the use of your personal data. To exercise these rights, or for any data protection matters, contact our Data Protection Officer at hello@kevinchiahd.com and we will respond within 10 business days. We retain your data only for as long as necessary to provide the service, or as required by Singapore law.
You agree to indemnify and hold harmless app.kevinchia.sg and its operators from any claims, losses, damages, or penalties arising from your upload of fraudulent, false, or misleading financial records, or your use of the service in violation of any applicable law including tax or anti-money laundering legislation.
app.kevinchia.sg and its operators retain all intellectual property rights in the platform, including the software, AI models, report layouts, and user interface. You are granted a limited, non-exclusive, non-transferable licence to use the service for your own business purposes. You do not acquire any ownership rights in the platform by using it.
The service can connect to an account you hold with another company, currently Google Calendar and Aspire. Connecting one is optional, and you may disconnect it at any time from within your account.
When you connect an account, you authorise us to access it only to the extent needed for the feature you connected it for, and only for as long as the connection remains in place. What we can see, what we store, and what we do not receive at all is set out in our Privacy Policy. We do not use information from a connected account for any other purpose.
Connecting an Aspire account means giving us a client ID and an API key that you create in Aspire. You must create the key with permission to read transactions only. We use it only to read your recent incoming payments, so that a booking can be marked as paid when a matching payment arrives. We never use it to make a payment, move money or change anything in your Aspire account, and the service contains no means of doing so. If you give us a key with wider permissions than this, we will still use it only to read. You can revoke the key in Aspire at any time, which ends our access immediately, or disconnect it from within your account, which deletes it from our systems.
When a payment matches a booking, the booking is confirmed on your behalf in the same way as if you had confirmed it yourself: your customer is sent a confirmation, and the payment is recorded in your accounts and on an invoice where you have switched those on. A payment is matched only when both its reference and its amount agree exactly with the booking; a payment that does not match is left for you to confirm yourself. You remain responsible for your bookings and your records, and you may cancel or refund a booking confirmed in this way from within your account.
You are responsible for having the right to connect the account and to share the information it holds, including under your own agreement with the company that provides it. If a calendar or account is shared with you by somebody else, you are responsible for whether you are permitted to use it in this way.
You may also connect app.kevinchia.sg to Claude, the AI assistant made by Anthropic, so that Claude can read your records. Claude is currently the only app that can be connected in this way; others may be added on request. The connection can only read, and only the parts of app.kevinchia.sg your own access to that company includes. When you allow it, you are directing us to send those records to Claude under your own Claude account, and your use of Claude is governed by your agreement with Anthropic. You are responsible for having the right to share those records, including any personal data about your customers, staff or others that they contain. You can disconnect at any time from Settings → Claude, and the connection ends by itself if you are removed from the company.
We are not responsible for the availability, accuracy or behaviour of a third-party service, or for changes it makes to its own terms, permissions or data. Information read from a connected account is not read continuously and may be out of date by the time it reaches the platform. You remain responsible for the availability you publish and the bookings you accept.
app.kevinchia.sg uses AI to extract and categorise financial information from uploaded documents. While we work hard to ensure accuracy, AI-extracted data may occasionally contain errors. You are responsible for reviewing all extracted data and correcting any inaccuracies before relying on it for financial decisions or tax purposes.
We are not liable for losses arising from errors in AI-extracted data that you have not reviewed and corrected.
If you connect app.kevinchia.sg to Claude, Claude’s answers, calculations and analysis are produced by Claude, not by us. They may be wrong or incomplete, and they are not tax, accounting or legal advice. Check important figures in your account before relying on them. We are not liable for losses arising from answers given by an AI service you connect.
app.kevinchia.sg offers a free tier and paid subscription plans. Pricing is displayed on our website and is in Singapore Dollars (SGD) unless stated otherwise. Paid subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. You may cancel at any time from your account. Cancellation takes effect at the end of the current billing period and no partial month refunds are issued unless otherwise agreed.
During our early access period, all features are free through end of 2026. We will provide at least 30 days notice before any paid features are activated. Refunds outside this policy are handled on a case-by-case basis at our discretion. Contact us at hello@kevinchiahd.com for any billing concerns.
We aim to keep app.kevinchia.sg available at all times, but we do not guarantee uninterrupted access. We may perform maintenance, updates, or changes to the service at any time. We will provide reasonable notice of significant changes where possible.
We may also modify, suspend, or discontinue any part of the service at our discretion. We are not liable for any interruptions or loss of data resulting from downtime.
To the maximum extent permitted by Singapore law, app.kevinchia.sg and its operators are not liable for any indirect, incidental, special, or consequential damages arising from your use of the service, including but not limited to loss of revenue, loss of data, or financial penalties from tax authorities.
For loss or corruption of your data, our liability is limited to taking reasonable steps to recover that data from our available backups. We back up the platform once a day, at around midnight Singapore time, and retain the last 7 nightly backups. In the event of a platform-wide data loss, we will take reasonable steps to restore from the most recent available backup, which means up to 24 hours of recent activity may not be recoverable.
Backups cover the entire platform, not individual accounts. We cannot restore a single account in isolation, so we are not able to reverse records that you delete, overwrite, or edit yourself. Restoring the platform to an earlier point would roll back every other customer’s recent work as well. Keeping your own copies of records that matter to you remains your responsibility.
Our total liability to you for any claim arising out of these terms shall not exceed the amount you paid us in the three months preceding the claim.
Nothing in these terms limits or excludes our liability where the law does not permit it to be limited or excluded, for example liability arising from our own fraud, wilful misconduct, or gross negligence, or for death or personal injury caused by our negligence.
These Terms of Service are governed by the laws of Singapore. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Singapore.
We may update these Terms of Service from time to time. When we do, we will update the effective date at the top of this page and notify you by email if the changes are material. Continued use of the service after changes take effect constitutes acceptance of the updated terms.
We may suspend or terminate your account if you breach these terms, fail to pay applicable subscription fees after reasonable notice, or use the service in a way that poses legal or reputational risk to app.kevinchia.sg. We will give you reasonable notice before termination where possible, except in cases of serious or repeated breach. Upon termination, your access to the service will cease and your data will be handled in accordance with our Privacy Policy.