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APAC Financial Hub

Terms of Service & Disclaimers

LAST REVISED: JUNE 2026

⚠️ Statutory Estimations Disclaimer

The calculator values, progressive tax brackets, social contributions (such as CPF Ordinary Wage caps, EPF employer tiers, BPJS Kesehatan ceilings, and EPFO statutory limits) provided on APAC Financial Hub are for estimation and educational modeling purposes only.

This platform does not provide formal tax, legal, financial, or accounting advice. Always consult a certified tax professional or local accounting authority (e.g. IRAS in Singapore, LHDN in Malaysia, EPFO in India, Pajak in Indonesia) before executing business decisions.

1. Terms

By accessing the website at APAC Financial Hub, you are agreeing to be bound by these terms of service, all applicable laws and regulations, 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.

2. Use License

Permission is granted to temporarily view the calculations and guides on APAC Financial Hub's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials;
  • Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • Attempt to decompile or reverse engineer any software contained on APAC Financial Hub's website;
  • Remove any copyright or other proprietary notations from the materials; or
  • Transfer the materials to another person or "mirror" the materials on any other server.

3. Limitations of Liability

In no event shall APAC Financial Hub 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 or calculations on the platform, even if an authorized representative has been notified orally or in writing of the possibility of such damage.

4. Accuracy of Materials & Revisions

The materials appearing on the website could include technical, typographical, or photographic errors. APAC Financial Hub does not warrant that any of the materials on its website are accurate, complete or current. We may make changes to the materials contained on its website at any time without notice, but we do not make any commitment to update the materials.

5. Links

APAC Financial Hub has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by us of the site. Use of any such linked website is at the user's own risk.

6. Governing Law

These terms and conditions are governed by and construed in accordance with the local laws and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.