Disclaimer

By using this site, its pages, dashboards, videos, scripts or the GitHub repositories linked from it, you agree to the terms below. If you don’t agree, please don’t use them.

• Everything here is shared by me in a personal capacity, on my own time.
• It is not written for, reviewed by, endorsed by or a recommendation of my employer, or any organisation I work with or have worked with.
• When I mention a tool, product, company, course or service, that is my personal experience, not a recommendation from anyone else.

• The content is general information and personal notes. It is not legal, financial, tax, investment, security, health, HR, data protection or grant advice.
• Don’t rely on it alone for a decision. Check with a qualified professional, or the relevant government agency, before you act.
• Grants, schemes, rules, prices and tool features change often. Check the official source for the current position.

If you install, sign up for, run or try anything mentioned here, you do so at your own discretion and risk. You are responsible for your own devices, accounts and data.

• Back up your data before you install or change anything.
• Download only from the official website, app store or repository. Fake download pages and copycat apps carry malware.
• Keep your antivirus and system updates on. Scan files before you open them.
• Read the permissions an app asks for, and its licence, terms of use and privacy policy. Some free tools keep what you type or use it to train their models.
• Read any script or code before you run it. Try new tools on a spare device or test account first where you can.
• Don’t put passwords, customers’ or staff’s personal data, or confidential company information into any tool unless your organisation allows it and it meets your obligations under the PDPA.

• The site and everything on it is provided “as is” and “as available”, without any warranty, express or implied, of accuracy, completeness, fitness for a purpose, or being free of errors or harmful code.
• Some content is made with AI (marked where it is), and AI output can be wrong. Dashboards and data pages are unofficial, can be delayed or wrong, and are not a substitute for official sources. For health or safety decisions, follow NEA, MOH and other official advice.
• Pages may be out of date. Each one shows roughly when it was written.

• To the fullest extent the law allows, I am not liable for any loss or damage of any kind arising from your use of, or reliance on, this site or any tool, workflow, script, video or link on it. That includes loss of data, damage to devices, malware, security incidents, lost profits or business, and any indirect or consequential loss.
• Nothing here limits any liability that cannot be limited under the laws of Singapore.

• Links to other websites are for convenience. I don’t control those sites and am not responsible for their content, safety or privacy practices. A link is not an endorsement.
• Product and company names and logos belong to their owners. Unless stated, I have no affiliation with them.
• No sponsorships or affiliate links. I am not paid for any tool or service mentioned.
• Code in my GitHub repositories comes under its own licence (MIT unless stated), which carries its own “no warranty” terms.
• Unless stated, my own writing, videos and images here are © Charles Tay. Please ask before you reuse them.

• If something is wrong, unfair to you, or uses your material, message me on LinkedIn and I will look at it promptly and correct or remove it where needed.
• I may update this page at any time. The date at the top shows the latest version.
• These terms are governed by the laws of Singapore.