LifeSG

Terms of Use
LifeSG

General

Welcome to LifeSG. These Terms of Use govern your Use of LifeSG and LifeSG Materials. Please read these Terms carefully. In these Terms, words and phrases have the meanings given to them in Clause 2.1.

By Using LifeSG or LifeSG Materials, you are agreeing to these Terms. Any non-compliance with these Terms may result in civil or criminal liability. If you do not agree to these Terms, please do not Use LifeSG or LifeSG Materials.

LifeSG and LifeSG Materials are provided by the Government Technology Agency on behalf of the Government of Singapore (
“we”
,
“us”
or
“our”
refers collectively to the Government of Singapore and Government Technology Agency). If you have any question about these Terms, LifeSG or LifeSG Materials, please contact us at —

Before you Use LifeSG or LifeSG Materials, please check that you are Using —
1. LifeSG and LifeSG Materials that are from a legitimate source (i.e. LifeSG App, LifeSG Website or Approved Online Stores); and
2. LifeSG and LifeSG Materials that are operated and/or published by us.
If you Use LifeSG or LifeSG Materials that are not from a legitimate source or not operated or published by us, we will not be responsible for anything that results from such Use.

These Terms only govern the relationship between us and you. The dealings between you and any other third party are not governed by these Terms. The extent to which LifeSG is Used by you may be subject to Third Party Terms as described in Clause 6.

Interpretation
1. In these Terms, unless the context otherwise suggests, when the following words and phrases are used, they will have the following meanings:
  
  “Approved Online Stores”
  means (i) the official Apple App Store accessible at https://www.apple.com/sg/ios/app-store/ or such other successor site; (ii) the official Google Play accessible at https://play.google.com or such other successor site; and (iii) such other websites as may be specified by us from time to time.
  
  “Approved Recipient”
  means the Public Agencies and third parties requesting for your information, and that are approved by you to receive your Profile Data upon your authorisation.
  
  “Compatible Device”
  means a Device which meets or exceeds the requirements prescribed by us from time to time.
  
  “Content”
  means any and all data, information, images, text, messages, notifications, digital content and/or media that may be uploaded, created, produced, generated, stored and/or transmitted through the Use of LifeSG or LifeSG Materials.
  
  “Device”
  means a computer, laptop, mobile phone, smartphone, tablet, phablet, kiosk or other device from which LifeSG can be accessed and used.
  
  “Generated Content”
  is defined in Clause 8.1.
  
  “Government Technology Agency”
  means the Government Technology Agency, a body corporate established under the Government Technology Agency Act 2016.
  
  “Guidelines”
  means any and all additional terms, instructions, guidelines, directions and/or policies with respect to any operational or technical details or FAQs regarding LifeSG and/or LifeSG Materials, as may be issued or amended by us from time to time.
  
  “Intellectual Property Rights”
  means any and all rights existing from time to time, whether existing now or in the future, under any trademark law, copyright law, patent law, trade secret law and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide, or capable of protection in any relevant country in the world.
  
  “LifeSG”
  means the service that helps citizens navigate easily across various government services and information according to categories (such as citizenship and community, driving and transport, education and learning, family and parenting, finances, sports and recreation, travel and passport, and work and employment) through such Devices, websites, channels or platform, as may be designated by us from time to time.
  
  “LifeSG Materials”
  means any and all products (including the LifeSG App and LifeSG Website), services, features, works of authorship, documents, software, application programming interface (API), content, know-how, inventions, processes, designs and any other subject matter or materials, in whatever form or medium (including digital equivalents of all the aforementioned subject matter) supplied or made available to you in connection with LifeSG.
  “LifeSG Materials”
  includes the feature known as GovWallet.
  
  “LifeSG App”
  means the mobile application designed to provide a one-stop, convenient platform for citizens to access personalised government services and information at key life stages, known as “LifeSG”, from Approved Online Stores.
  
  “LifeSG Website”
  refers to https://life.gov.sg or such other website as may be specified by us from time to time.
  
  “Myinfo”
  refers to the data sharing platform under the name “Myinfo”, provided by the Government Technology Agency on behalf of the Government of Singapore, which you may use to authorise the automatic filling-out of e-forms of Approved Recipients with, among other things, your personal data.
  
  “PDPA”
  means the Personal Data Protection Act 2012.
  
  “personal data”
  has the same meaning as set out in the PDPA.
  
  “Privacy Statement”
  is defined in Clause 12.1.
  
  “Profile Data”
  means all data (including personal data) contained in your user profile under your Account and which may contain data populated by you through the use of Myinfo as well as other data from data source(s) approved by us.
  
  “Public Agency”
  means any of the following entities/parties (except that in the case of the Government of Singapore and GovTech, only where the Government of Singapore and GovTech is not acting in its/their capacity as the provider or operator of LifeSG and LifeSG Materials):
  1. the government of the Republic of Singapore;
  2. any ministry or organ of state within the Republic of Singapore;
  3. any department, commission, authority, agency or other body operated by or accountable to a ministry or organ of state within the Republic of Singapore; or
  4. any organisation which was created, constituted or given rise to by a statute enacted by the Parliament of the Republic of Singapore,
  and
  “Public Agencies”
  means all of the aforementioned.
  
  “Re-Directed Materials”
  is defined in Clause 11.1.
  
  “Shortcuts”
  is defined in Clause 11.1.
  
  “SIAC”
  is defined in Clause 17.3.
  
  “SIAC Rules”
  is defined in Clause 17.3.
  
  “Singpass”
  is the electronic identification, authentication, or authorisation service of the Government of Singapore known as “Singpass” through such devices, websites, channels or platform, as may be designated by the Government of Singapore or GovTech from time to time.
  
  “Singpass Account”
  refers to the account which you have for the purposes of using Singpass.
  
  “Singpass Website”
  refers to www.singpass.gov.sg/main or such other website as may be specified by us from time to time.
  
  “Terms”
  refers to the Terms of Use including the Annexures, as may be amended from time to time.
  
  “Third Party”
  is defined in Clause 6.1.
  
  “Third Party Terms”
  is defined in Clause 6.1.
  
  “Updates”
  is defined in Clause 14.1.
  
  “Use”, “Uses”, “Using” or “Used”
  in relation to LifeSG or LifeSG Materials includes downloading, installing, accessing, operating or using LifeSG or LifeSG Materials.
2. Unless the contrary intention appears —
  1. headings are inserted for convenience only and do not affect the interpretation of these Terms;
  2. words importing the singular include the plural and vice versa;
  3. references to persons are to be construed as references to an individual or a body corporate as the context requires;
  4. the words, “include” “includes” and “including” are to be read as if they are followed by the phrase “without limitation”;
  5. any reference to
    “LifeSG”
    includes a reference to “part of LifeSG” and any reference to
    “LifeSG Materials”
    includes a reference to “part of LifeSG Materials”; and
  6. any reference to any Act of Parliament includes any amendment, replacement or re-enactment to that Act and includes any subsidiary legislation made under that Act.
Usage Terms
1. You agree to comply with any and all guidelines, notices, operating rules and policies and instructions pertaining to the Use of LifeSG and LifeSG Materials (including Guidelines), any amendments to the aforementioned issued by us from time to time, as well as any applicable laws and regulations. Third Party Terms as described in Clause 6 may also apply.
2. Subject to Clause 3.3 and unless otherwise authorised by us, we grant you a non-exclusive, limited, revocable, non-sub-licensable and non-transferrable right to Use LifeSG and LifeSG Materials for your personal and/or non-commercial use only.
3. You shall not do any of the following to LifeSG or LifeSG Materials:
  1. copy, sell, distribute, transmit, publicly display, rent, lease, export, sub-license, publish or otherwise reproduce LifeSG or LifeSG Materials in any form or by any means;
  2. adapt, modify, decompile, disassemble or reverse-engineer, interfere with or intercept LifeSG or LifeSG Materials;
  3. prepare or develop derivative works based on any of LifeSG or LifeSG Materials;
  4. remove, circumvent, impair, bypass, disable or otherwise interfere with LifeSG or LifeSG Materials;
  5. misrepresent or make false or misleading claims regarding LifeSG or LifeSG Materials;
  6. use any device, software, exploits, or routine, including, but not limited to, any viruses, Trojan horses, worms, time bombs, robots, data-mining or data scraping tools or cancel bots intended to damage or interfere with the proper operation of LifeSG and LifeSG Materials; and
  7. transmit or upload viruses, worms, defects, Trojan horses, malware or any other items that may introduce security vulnerabilities to or harm LifeSG or LifeSG Materials.
4. You shall not Use LifeSG or LifeSG Materials in a manner that would:
  1. damage, disrupt, disable, overburden, or impair the operation of LifeSG and LifeSG Materials; and
  2. contravene any applicable laws and regulations, or in breach of these Terms.

Access to LifeSG
1. Certain features and functionalities of LifeSG and LifeSG Materials are only accessible with a Singpass Account.
2. You agree that you will be liable and responsible for any transaction or activity conducted through, or purported to be conducted through, your Singpass Account.
3. You agree that you will not hold us responsible or liable, in any way whatsoever, for losses, costs, expenses or damages suffered or incurred by you or any third party if there is any unauthorised use of your Singpass Account.
4. You will exercise reasonable care to prevent the loss, disclosure or unauthorised use of your Singpass Account. We will not be responsible or liable for any loss caused to or damage suffered by you if any person should obtain possession of your Singpass Account and obtain information about you or your Singpass Account or carry out any transaction through your Singpass Account through LifeSG App.
Reservation of Rights
1. We reserve the right to change, modify or supplement these Terms at our discretion and at any time, by posting the changed, modified or supplemented Terms on or through the LifeSG Website, LifeSG App, or through such other means as we may deem appropriate. Your continued Use of LifeSG or LifeSG Materials following the posting of any change, modification or supplement will constitute your acceptance of such change, modification or supplement. If you do not agree to any change, modification or supplement to these Terms, please do not Use LifeSG or LifeSG Materials.
2. We reserve the right to —
  1. update, enhance, upgrade, reduce, or otherwise modify or vary LifeSG and LifeSG Materials, at any time, for any reason, with or without notice to you. These Terms will apply to all such updates, enhancements, upgrades, reductions, modifications or variations to LifeSG and LifeSG Materials;
  2. suspend Use of LifeSG or LifeSG Materials, during times of maintenance (whether scheduled or unscheduled), without notice or liability to you whatsoever;
  3. deny or restrict Use of LifeSG or LifeSG Materials to you without ascribing any reasons and without liability to you whatsoever; and
  4. discontinue or terminate LifeSG or LifeSG Materials, at any time without notice or liability to you whatsoever, whereupon all rights granted to you under these Terms will also terminate immediately.
3. We retain the discretion in determining whether or not to provide maintenance and support services for LifeSG or LifeSG Materials, and if so, the type and nature of such maintenance and support services.

Third Party Terms
1. LifeSG may require, enable, provide, or facilitate access to or use of website, software or services of a third party (
  “Third Party”
  ). There may be additional terms governing the access or use of such third party websites, software or services (
  “Third Party Terms”
  ). It is your responsibility to check, read and accept the most up-to-date versions of these additional terms. If you do not accept these additional terms, your Use of LifeSG and LifeSG Materials may be affected.
2. You will not hold us liable for any damage or loss of any kind caused as a result (direct or indirect) of the use of such Third Party website, software or service, including any damage or loss suffered as a result of reliance on the contents contained in or available from such Third Party website, software or service.
3. For the avoidance of doubt, nothing in LifeSG or LifeSG Materials will be considered an endorsement, representation or warranty of or by us with respect to any Third Party or any Third Party’s content, products, services or otherwise, even where the Third Party website, software or service may require the Use of LifeSG. We make no representation or guarantee regarding the availability or content (including its truthfulness, accuracy, completeness, timeliness or reliability) of such Third Party content, product, service or otherwise and any use or reliance on the same by you is solely at your own risk.

Intellectual Property
1. You acknowledge that we, or a relevant Third Party, own all titles, rights and interest, including Intellectual Property Rights, in and to LifeSG and LifeSG Materials, including any software therein, and any Content made available or accessible via LifeSG. You will not do or permit any act which is directly or indirectly likely to limit our rights, title or interest, or that of a relevant Third Party (as the case may be), in and to the same. Unless otherwise expressly permitted by law, you agree not to modify, adapt, translate, prepare derivative works from, or decompile, reverse engineer, disassemble or otherwise attempt to derive source code from, LifeSG or LifeSG Materials. Without limiting the foregoing, you will not use in any way and will not reproduce any trademark, logo, trade name and similar mark that are associated with LifeSG, without our prior written consent, or that of the relevant Third Party (as the case may be).
2. You also agree to not remove, obscure, or alter our or any relevant Third Party’s copyright notice, trademark, or other proprietary right notice contained within, applied to or made available or accessible in conjunction with or through LifeSG.
3. We do not represent or warrant that the Use of LifeSG or LifeSG Materials by you will not constitute an infringement or misuse of any third party right, including Intellectual Property Rights.
4. No part of LifeSG or LifeSG Materials may be reproduced or reused without our prior written permission.

Generated Content
1. You may be required to create, generate, share, submit or transmit certain Content in the course of your Use of LifeSG or LifeSG Materials (
  “Generated Content”
  ). Examples of such Content include personal details, contact details, responses, feedback or other information provided by you or through your Profile Data when Using LifeSG or LifeSG Materials. You grant us and any relevant Third Party a non-exclusive, worldwide and royalty free licence and right to handle and deal with the Generated Content for the purposes of providing you with LifeSG, and any purposes directly incidental or related to the same.

Your Consent to Access Functions of Your Device
1. Use of LifeSG or LifeSG Materials via your Device may require you to —
  1. have an adequate Internet connection;
  2. have a Compatible Device; and
  3. allow access by LifeSG or LifeSG Materials to certain functions of your Device where such functions are available. Please also see Clause 12 (Privacy Statement). Your Use of LifeSG or LifeSG Materials will constitute your consent to the access by LifeSG or LifeSG Materials of such functions of your Device as may be reasonably required by LifeSG or LifeSG Materials.

Disclaimers against Warranty, Representation and Liability
1. LifeSG and LifeSG Materials are provided on an “as is” and “as available” basis without warranty of any kind. The accessibility and operation of LifeSG and LifeSG Materials may rely on technologies outside our control. To the extent permitted by law, we do not make any representation or warranty of any kind whatsoever in relation to LifeSG or LifeSG Materials and disclaim all express, implied and statutory warranties of any kind to you or any third party, whether arising from usage or custom or trade or by operation of law or otherwise, including any representation or warranty —
  1. as to the accuracy, completeness, correctness, currency, timeliness, reliability, availability, interoperability, security, non-infringement, title, merchantability, quality or fitness for any particular purpose of LifeSG or LifeSG Materials; or
  2. that LifeSG or LifeSG Materials or any associated function or feature will be continuously accessible, uninterrupted or error-free, or that defects will be corrected or that LifeSG or LifeSG Materials and their servers are and will be free of virus or other malicious, destructive or corrupting code, programme or macro.
2. We will not be liable to you or any third party for any damage or loss of any kind whatsoever and howsoever caused, including any direct or indirect, special or consequential damage, loss of income, revenue or profit, lost or damaged data, or damage to your Device, software or any other property, whether arising directly or indirectly in connection with —
  1. your Use of LifeSG or LifeSG Materials;
  2. any loss or unavailability of Use of LifeSG or LifeSG Materials, howsoever caused;
  3. any breakdown or malfunction of any equipment system or software (including any Registered Mobile Device) used in connection with LifeSG or LifeSG Materials, whether belonging to us or not, including any electronic terminal, server or system, or telecommunication or other communications network or system;
  4. any Use, mis-Use, purported Use or mis-Use or unauthorised Use of LifeSG or LifeSG Materials;
  5. your computer or hardware or any other device not working or functioning properly;
  6. any inaccuracy or incompleteness in, or error or omission in the transmission of LifeSG Materials or any Content made available or accessible via LifeSG or LifeSG Materials;
  7. any delay, failure, or interruption in the transmission of the LifeSG Materials or any Content made available or accessible via LifeSG or LifeSG Materials, whether caused by delay, failure, or interruption in transmission over the internet or otherwise;
  8. any decision made or action taken by you or any third party in reliance upon LifeSG, LifeSG Materials or any statement, opinion, representation, information or any Content made available or accessible via LifeSG, or LifeSG Materials,; or
  9. any virus or other malicious, destructive or corrupting code, programme or macro in LifeSG or LifeSG Materials.
3. You acknowledge that your Use of LifeSG or LifeSG Materials contains the possibility of human and machine errors, inaccuracies, omissions, delays, unavailability and losses, including the inadvertent loss of data or Generated Content which may give rise to loss or damage suffered by you, and you agree that you will not hold us liable in any way whatsoever for the said loss or damage. You agree that you Use LifeSG, LifeSG Materials or any Third Party website, software or service made available in conjunction with or through LifeSG or LifeSG Materials at your own discretion and risk and that you will be responsible for any loss or damage suffered by you and to your Device, or loss, damage to or corruption of data that results from the Use of LifeSG, LifeSG Materials or Third Party website, software or service.
4. You will not rely on LifeSG or LifeSG Materials to claim or assert any form of legitimate expectation against us, whether or not arising out of or in connection with our roles and functions as a public authority.
5. Information provided through LifeSG Materials does not constitute professional advice and LifeSG Materials may not cover all information available on a particular issue. Before Using LifeSG Materials, you will perform your own checks or obtain professional advice relevant to your particular circumstances.
6. Without prejudice to the foregoing, no action may be brought by you against us, under these Terms or related to LifeSG and/or the LifeSG Materials, more than one (1) year after the cause of action arose.

Hyperlinks
1. For your convenience, LifeSG Materials may provide hyperlinks or other forms of shortcuts (collectively,
  “Shortcuts”
  ) which enable you to access and be re-directed to, websites, services, products, or other materials, of third parties, which are not maintained or controlled by us (collectively, the
  “Re-Directed Materials”
  ). Where any Third Party Terms apply to such Re-Directed Materials, you are expected to read and comply with such Third Party Terms and Clause 6 will apply.
2. Insofar as LifeSG Materials provide Shortcuts to any Re-Directed Materials, we will not be responsible for the availability or content of the Re-Directed Materials and will not be liable for any damages or loss arising from your access to or use of the Re-Directed Materials. Use of Shortcuts and access to such Re-Directed Materials are entirely at your own risk. Shortcuts are provided merely as a convenience to you and do not imply endorsement by, association or affiliation with us of the contents of or provider of the Re-Directed Materials.
3. Hyperlinking to and framing of LifeSG Materials are prohibited unless you have obtained our prior written consent. If you hyperlink to or frame LifeSG Materials, that will constitute your acceptance of these Terms. If you do not accept these Terms you must immediately discontinue hyperlinking to or framing of LifeSG Materials.
4. We reserve all rights:
  1. to disable any links to, or frames of, any materials which are unauthorised (including materials which imply endorsement by or association or affiliation with us, materials containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity rights); and
  2. to disclaim responsibility and/or liability for materials that link to or frame any part of the LifeSG Materials.

Privacy Statement
1. During your Use of LifeSG and LifeSG Materials, we may be required to collect, store, use, disclose or process personal data belonging to you, or that may relate to a third party individual and that is provided by you. In this regard, we will collect, use, store, disclose or process such personal data in accordance with our privacy statement which can be found on or through the LifeSG Website and LifeSG App (the
  “Privacy Statement”
  ).
2. Please refer to our Privacy Statement for more details. By Using LifeSG or LifeSG Materials, you acknowledge that you have read and understood our Privacy Statement, and that you agree to the terms of the Privacy Statement as may be amended from time to time. The Privacy Statement forms part of these Terms.
3. For the avoidance of doubt, the personal data belonging to you, or that may relate to a third party individual and is provided by you, may be collected, used, disclosed and/or processed for the purposes set out in the Privacy Statement, including any purpose that may be notified by us to you from time to time.

Fees
1. There are currently no fees for Using LifeSG or LifeSG Materials. We reserve the right to introduce new fees from time to time. We are not responsible for any fee charged by any other Internet site, application, software, service, product or otherwise that is not provided by us.

Updates
1. From time to time, we may issue, release or provide updates/upgrades to, or new versions of, LifeSG or LifeSG Materials (
  “Updates”
  ). Such Updates may take place and be implemented automatically, or may require action on your part. Please note that LifeSG and LifeSG Materials may not operate properly or at all if the Updates are not installed or implemented by you. For the avoidance of doubt, we do not guarantee that such Updates will be made available on, or that such Updates will continue to be compatible with your existing Device or its operating system.

Rights of Third Parties
1. Subject to the rights of any Public Agency under Paragraph 4.3.4 of Annex 1, a person who is not a party to these Terms will have no right under the Contracts (Rights of Third Parties) Act 2001 or otherwise to enforce any of its terms.
2. These Terms may be varied without seeking the consent of any third party.

Assignment
1. You may not assign or sub-contract these Terms without our prior written consent.
2. We may assign, novate, transfer, or sub-contract the rights and liabilities in respect of LifeSG, LifeSG Materials or these Terms, without notifying you and without further reference to you. Your acceptance of these Terms will also constitute your consent to such assignment, novation, transfer or sub-contract.

Governing Law and Dispute Resolution
1. These Terms and the Use of LifeSG and the LifeSG Materials will be governed and construed in accordance with the laws of Singapore.
2. Subject to Clause 17.3, any dispute arising out of or in connection with these Terms or the Use of LifeSG or LifeSG Materials, including any question regarding the existence, validity or termination of these Terms, will be referred to and finally resolved in the Courts of the Republic of Singapore and you submit to the exclusive jurisdiction of the Courts of the Republic of Singapore.
3. We may, at our discretion, refer any dispute referred to in Clause 17.2 to arbitration administered by the Singapore International Arbitration Centre (
  “SIAC”
  ) in Singapore in accordance with the Arbitration Rules of the SIAC (
  “SIAC Rules”
  ) for the time being in force, which rules are deemed to be incorporated by reference in this clause. Further —
  1. the seat of the arbitration will be Singapore;
  2. the tribunal will consist of one (1) arbitrator to be agreed upon in accordance with the SIAC Rules, except that if no agreement is reached within thirty (30) calendar days after receipt by one party of such a proposal from the other, the arbitrator will be appointed by the Chairman of the SIAC;
  3. the language of the arbitration will be English; and
  4. all information, pleadings, documents, evidence and all matters relating to the arbitration will be confidential.
4. Where we are the defendant or respondent, we will have at least thirty (30) calendar days before the commencement of any legal action against us to elect to exercise the right under Clause 17 to have the dispute submitted to arbitration. This right to elect will not limit our right to a limitation defence and the period to exercise the right will not be abridged by reason of any accrual of a limitation defence in our favour during the said period.

Miscellaneous
1. Any termination of your Singpass Account, your Use of LifeSG or LifeSG Materials under these Terms (howsoever occasioned) will not affect the coming into force or the continuance in force of any provision of these Terms which is expressly or by implication intended to come into or continue in force on or after such termination.
2. If any provision of these Terms is held by a court or tribunal of competent jurisdiction to be invalid or unenforceable, then these Terms, including all remaining provisions, will remain in full force and effect as if such invalid or unenforceable provision had never been included.
3. No delay in enforcing any provision of these Terms will be construed to be a waiver of any rights under that provision.
4. Any notice that we intend to give to you may be posted on the LifeSG Website, LifeSG App or sent to you to any contact information you may have provided us with through your Singpass Account or otherwise. You are deemed to have received notice of the same upon us posting or sending such notice to you.

Annex 1
Additional terms for GovWallet

Definitions and interpretation
1. Capitalised terms used but not defined in this Annex have the meaning given to them in the main body of the Terms.
2. In this Annex:
  1. “Alerts”
    means specific prompts in respect of expiry of Credits and/or other Content that we may, but are not obliged to, provide.
  2. “Credits”
    means monetary value under credits, vouchers, coupons, tickets that you are entitled to or have been awarded under a Scheme;
  3. “Device”
    means a mobile phone, smartphone, tablet, phablet, or other device from which GovWallet, via the LifeSG App, can be accessed and used;
  4. “Device Biometric Identification”
    means each fingerprint enrolled by a Fingerprint Recognition Feature and/or each facial identification enrolled by a Face Recognition Feature on Registered Mobile Devices;
  5. “Face Recognition Feature(s)”
    means such third party face recognition features designated as such by the Government of Singapore or GovTech from time to time, and will be deemed to include, unless otherwise notified by us, the face recognition feature of Apple’s iOS and the face recognition feature of Google Android on Devices that meet or exceed our requirements;
  6. “Fingerprint Recognition Feature(s)”
    means third party fingerprint recognition features designated as such by the Government of Singapore or GovTech from time to time, and will be deemed to include, unless otherwise notified by us, the fingerprint recognition feature of Apple’s iOS and the fingerprint recognition feature of Google Android on Devices that meet or exceed our requirements;
  7. “GovWallet”
    refers to the feature currently known as “GovWallet”, provided by the Government Technology Agency on behalf of the Government of Singapore which you may Use to view and redeem your Credits;
  8. “LifeSG Login Credentials”
    means:
    1. Singpass Login;
    2. LifeSG App on the Registered Mobile Device(s); and/or
    3. any other unique login, identification or credential issued, prescribed or otherwise approved by us for you to Use LifeSG.
  9. “Qualified Merchants”
    means merchants who are designated as participating in a Scheme by the relevant Public Agency under the relevant Scheme Terms or as otherwise published by such Public Agency;
  10. “Registered Mobile Devices”
    means mobile devices enabled with the Fingerprint Recognition Features or Face Recognition Features, which have been registered with us for Use with GovWallet via the LifeSG App;
  11. “Singpass Login”
    means such authentication, configuration, use and/or access procedures of Singpass enabled by us to identify you and/or for the purposes of allowing access to and/or use of GovWallet via the LifeSG App, as the case may be;
  12. “Singpass app”
    means the mobile application designed to, amongst other things, be used as an authentication form factor, known as “Singpass” from Approved Online Stores and the official HUAWEI AppGallery accessible at https://appgallery.huawei.com or such other successor site, and used in connection with Singpass and your Singpass Account.
  13. “Scheme”
    means the applicable scheme implemented and operated by the relevant Public Agency where you may be entitled to or be awarded Credits and which scheme has been designated by the Government of Singapore or GovTech from time to time as schemes that were onboarded onto GovWallet. The current list of designated schemes is available at https://wallet.gov.sg; and
  14. “Scheme Terms”
    is as defined in Paragraph 4.1.1.
3. Except as otherwise expressly set forth in the main body of the Terms, in the event of a conflict or inconsistency between the provisions in the main body of the Terms and the provisions in this Annex, the provisions in the main body of the Terms will prevail.

Purpose of GovWallet

Through GovWallet and via the LifeSG App, you may, solely for your own personal use: (i) view a summary of all your Credits, and (ii) redeem your Credits at Qualified Merchants. Unless otherwise provided expressly in this Annex, GovWallet via the LifeSG App may not be used for any other purpose or in any other manner whatsoever in relation to Credits or any Scheme.

Use of GovWallet via the LifeSG App
1. When using GovWallet via the LifeSG App, the following points should be observed:
  1. Eligibility:
    You acknowledge that your eligibility to receive, entitlement to and award of Credits is pursuant to the sole discretion of the relevant Public Agency. If you have Credits, Paragraph 4.1.2 (Scheme Terms) will apply.
  2. Singpass Account login required for Use of GovWallet.
    To access and Use GovWallet, the LifeSG App will direct you to your Singpass app to login to your Singpass Account (in which case Paragraph 4.5 below applies). Upon successful login, you will be directed back to the LifeSG App and the module containing the relevant Scheme’s individual benefits card will be accessible;
  3. GovWallet’s features:
    After the module described in Paragraph 3.1.2 above on the LifeSG App is accessed, you may:
    1. view information on your Credits:
      these include:
      1. your Credits under the individual benefits card for each of your eligible Schemes in the section indicated as “Benefits and support” (or variants thereof);
      2. by clicking on “View details” (or variants thereof) on the relevant Scheme’s benefits card, you may view further details on your Credits for such Scheme which may include: (i) Credits expiry date; and (ii) Credits transaction history; and
    2. redeem your Credits:
      if you have Credits under a Scheme, you may redeem these Credits in the following manner:
      1. accessing such Scheme’s benefits card in the section indicated as “Benefits and support” (or variants thereof);
      2. check and ensure that the merchant that you intend to redeem your Credits with is a Qualified Merchant for the relevant Scheme. In this regard, note that the relevant Public Agency can change the Qualified Merchants from time to time without providing any prior notice;
      3. click on the “Scan PayNow QR to pay via Credits redemption” or “Scan NETS QR to pay via Credits redemption” and scanning the Qualified Merchant’s PayNow or NETS QR code (as the case may be);
      4. upon successful validation of the QR code referred to in Paragraph 3.1.3(ii)(c), the amount (within the available balance) of Credits to be redeemed may be automatically pre-filled. If the amount of Credits is not automatically pre-filled, please enter the amount (within the available balance) of Credits to be redeemed; and
      5. you may be asked to confirm your Credits redemption by sliding right on the slider indicated as “Confirm” (or variants thereof). There may be an expiry window for you to confirm your request to redeem your Credits and the request may lapse or expire after a stipulated period. In the event of such lapsing or expiry, you may have to repeat the process set out in this Paragraph 3.1.3(ii). Before you indicate any confirmation, please check and ensure that such request is for (I) redemption with your intended Qualified Merchant; and (II) the amount of Credits you intend to redeem at that point in time. You may also be asked to input your Device Biometric Identification before we process your request to redeem your Credits.
      Where you redeem your Credits under this Paragraph 3.1.3(ii), the redemption rules set out in Paragraph 4 apply. You understand and agree that you are solely responsible for ensuring that the information you provide to us in connection with any request to redeem your Credits is complete, accurate, true and correct at all times.
  4. Purported use / access:
    1. You agree that you will be responsible for any transaction or activity conducted or purported to be conducted through your Singpass Account or that is referable to your LifeSG Login Credentials.
    2. Any –
      1. Use or purported Use of GovWallet; and
      2. information, data, instructions or communications,
      whether or not authorised by you, that is conducted through your Singpass Account or that is referable to your LifeSG Login Credentials, will, as the case may be, be deemed to be:
    3. You will be responsible for any:
      1. Use or purported Use of GovWallet; and
      2. information, data, instruction or communication,
      whether or not authorised by you, that is conducted through your Singpass Account or that is referable to your LifeSG Login Credentials.
    4. We may act upon, rely on and hold you responsible and liable for such:
      1. Use or purported Use of GovWallet; and
      2. information, data, instruction or communication,
      whether or not authorised by you, that is conducted through your Singpass Account or that is referable to your LifeSG Login Credentials, as if the same were Used, carried out, transmitted or issued by you.
2. Right, but not obligation, to monitor or control use or content, to report activity or request information:
  You acknowledge and agree that we reserve the right, but shall not be obliged to monitor, screen or otherwise control any activity, content or material on and/or through GovWallet via the LifeSG App.

Schemes, Credits & Redemption of Credits
1. Schemes
  1. Introduction to Schemes
    : Each Scheme is the scheme or program of the relevant Public Agency and is implemented and operated by such Public Agency in accordance with the terms and conditions that are prescribed by such Public Agency for such Scheme as may be issued by the relevant Public Agency from time to time (such terms and conditions to be referred to as
    “Scheme Terms”
    ).
  2. Scheme Terms
    : Your eligibility to receive, entitlement to and award of Credits under each Scheme and the terms for redeeming or otherwise using your Credits under such Scheme (including whether or not Credits are to be redeemed in fixed or variable denominated amounts, expiry date of Credits and the list of Qualified Merchants) are subject always to the relevant Scheme Terms, instructions, guidelines, directions and/or policies published by the relevant Public Agency and may have a bearing on your Use of GovWallet. Please check and ensure that any relevant Scheme Terms, instructions, guidelines, directions and/or policies from Public Agencies (including Scheme Terms relating to contractual notice periods, legal enforceability of notices and communications) have been complied with or that you meet the requirements or conditions set under such Scheme Terms.
2. Credits under each Scheme
  1. Credits funded by Public Agencies
    : Credits under each Scheme are funded by the relevant Public Agency. You acknowledge that we (save for the relevant Public Agency administering the Scheme) are not involved in and are not responsible for any funding of Credits.
  2. No encashment or conversion of Credits into other forms of credit
    : You acknowledge that you can only redeem your Credits under each Scheme with Qualified Merchants either through online or offline means in accordance with the Scheme Terms. GovWallet does not support any encashment of your Credits under any circumstances or of converting Credits into any other form of credits (for example, Credits may not be used to pay for goods or services of a lower value with the difference being paid in cash or by means of a credit note).
3. Rules for redeeming your Credits for each Scheme
  1. Checking Qualified Merchant’s QR Code
    : You agree to take reasonable steps to confirm that each QR Code presented to you purportedly as a Qualified Merchant’s QR Code is that of a Qualified Merchant’s under the relevant Scheme, including checking that the name displayed on the GovWallet module described in Paragraph 3.1.2 above in the LifeSG App corresponds to that of the Qualified Merchant, prior to the redemption of your Credits.
  2. Your use of Device Biometric Information
    : We are not required and are unable to verify or investigate whether any Device Biometric Identification used in connection with a request to redeem your Credits is in fact your fingerprint or facial identification. This is because the Device Biometric Identification relies on third party Fingerprint Recognition Feature(s) and Face Recognition Feature(s).
  3. Redemption of Credits as part payment
    : If you redeem the Credits for part payment for goods and/or services where the value of the goods and/or services offered by Qualified Merchants exceeds such part payment, you will be required to top up the difference using a mode of payment accepted by such Qualified Merchant. You understand and agree that by redeeming the Credits for part payment, you agree to and are confirming your payment towards the purchase of goods and/or services offered by Qualified Merchants, and we will not be required to reverse, refund or cancel the redemption of Credits if you are unable to top up the difference.
  4. Binding and conclusive
    : You acknowledge and agree that your Credits balance reflected on GovWallet via the LifeSG App (whether such reflected balance is upon your successful redemption of Credits in GovWallet or otherwise) shall be binding and conclusive on you for all purposes whatsoever and shall be conclusive evidence of any information and/or data transmitted between us, the relevant Public Agency and you. You hereby agree that all such records are admissible in evidence and that you shall not challenge or dispute the admissibility, reliability, accuracy or the authenticity of such records merely on the basis that such records are in electronic form or are the output of a computer system, and you hereby waive any of your rights, if any, to so object.
  5. Redemption limits
    . We or the relevant Public Agency may, from time to time, impose redemption limits (such as maximum redemption amounts) in connection with GovWallet or vary the frequency or manner of use of GovWallet.
  6. Unauthorised redemptions
    : You must notify the relevant Public Agency immediately if you know or suspect that your Credits may have or have been redeemed without your consent or authorisation.
4. User complaints
  : You acknowledge and agree that we (save for the relevant Public Agency administering the Scheme) are not responsible for and have no control over the Content (including information on your Credits) for the Schemes contained in GovWallet. In the event of any inaccuracy or error in the Content for any Scheme in GovWallet (including conflicts or inconsistencies with communications received from the relevant Public Agency through other media or modes) or otherwise any issues relating to the Content for any Scheme (including issues with viewing or redeeming your Credits), please contact the relevant Public Agency for assistance.
5. Singpass Terms
  : To access GovWallet, you will be directed to your Singpass app to login to your Singpass Account with your Singpass Login and the Singpass Terms of Use would apply.

Disclaimers, Exclusion of Liability, Alerts

Disclaimer
1. You acknowledge that we (save for the relevant Public Agency administering the Scheme) are not involved in and are not responsible for any transactions or communications made between you, Qualified Merchants and/or Public Agencies. You further acknowledge that you have no right or claim against us in respect of any transactions or communications between you, Qualified Merchants and/or Public Agencies in connection with the Use of GovWallet. We (save for the relevant Public Agency administering the Scheme) neither endorse nor assume any responsibility for Qualified Merchants, Public Agencies, the goods and services offered by Qualified Merchants and/or the Schemes offered by Public Agencies. You acknowledge that you are solely responsible for any transactions or communications with Qualified Merchants and/or Public Agencies in connection with the Use of GovWallet.
2. We are entitled to rely on your request to redeem your Credits and we are under no duty to enquire into, investigate or ascertain whether you had the requisite capacity to make such request at the relevant time.

Exclusion of liability
: Notwithstanding Clause 10.2, you will be responsible for any and all losses, costs, expenses or damages suffered by you, us, or any third party, arising out of or in connection with your Use of GovWallet and we will not be liable for any such losses, costs, expenses or damages.

Alerts
: You may receive Alerts from time to time in relation to GovWallet, including notifying you of the expiry of Credits or any unread messages on the LifeSG App. Each Alert may be notified by in-app notifications, mobile push notifications or any other method of notification as may be designated by us from time to time. We do not guarantee the delivery, timeliness or accuracy of Alerts. We reserve the right to vary any Alert and to terminate the provision of the Content in the Alerts at any time without giving any reason or prior notice. We shall not be liable to you or anyone else for losses, damages, fines or claims arising from:
1. non-delivery, delayed delivery or wrong delivery of any Alert;
2. inaccurate Content of an Alert; or
3. use or reliance by you on the Contents of any Alert for any purpose.

Indemnification

Without limiting the generality of any provision set out in the main body of these Terms, you shall indemnify us from and against any demand, suit or action made or brought by any person (including liabilities, damages, costs, and expenses, including reasonable legal costs and expenses, related to such claim) arising out of (i) your negligent, unlawful, fraudulent or reckless conduct, or your wilful misconduct; (ii) your breach of any applicable laws as may be applicable in respect of your Use of LifeSG and/or LifeSG Materials (including your use of GovWallet via the LifeSG App).

Collection, use and/or disclosure of data

Right to collect, use and/or disclose certain data
: In the course of providing GovWallet via the LifeSG App, you acknowledge and agree that we shall have the right to collect, use and/or disclose data and personal data relating to you, or that may relate to a third party individual and is provided by you, including:
1. information relating to your redemption of Credits; and
2. information relating to your Use of or access to the LifeSG App, LifeSG Materials and/or GovWallet.
Where any of the abovementioned data includes personal data, we will collect, use, store, disclose or process such personal data in accordance with our Privacy Statement.

Termination or suspension of access

Termination or suspension of access or use by us
: In our sole and absolute discretion, we may with immediate effect, without giving prior notice and without liability to you whatsoever:
1. terminate your use and access of GovWallet via the LifeSG App (including your ability to view and/or redeem your Credits via the LifeSG App); or
2. suspend, disable or restrict access to GovWallet (or any part thereof) via the LifeSG App,
for any reason whatsoever, including where your Singpass Account, your Use of the LifeSG App and/or LifeSG Materials has been terminated, a breach of any of the Terms or where if we believe that you have violated or acted inconsistently with any Terms (including the terms and conditions set out herein), or if in our opinion, it is not suitable to continue providing GovWallet via the LifeSG App.

Effects of termination
: On termination of your use and/or access of GovWallet via the LifeSG App, all rights granted to you under this Annexure will terminate immediately. Whether your Credits under a Scheme continue to be valid and/or have value will be in accordance with the relevant Scheme Terms.

General

Force majeure
: Without prejudice to Paragraph 5 above, we shall not be liable for any failure, delay, interruption or error in the performance of our obligations under the Agreement (or any part thereof) or for any inaccuracy, unreliability or unsuitability of GovWallet and/or any GovWallet Features if this is due, in whole or in part, directly or indirectly to an event or failure which is beyond our reasonable control.

Email:	info@tech.gov.sg
Address:	10 Pasir Panjang Road, #10-01
	Mapletree Business City
	Singapore 117438

Terms of UseLifeSG

Annex 1Additional terms for GovWallet

Terms of Use
LifeSG

Annex 1
Additional terms for GovWallet