Please read and acknowledge
Our Privacy Policy as stated in the left column explains how SqSave will manage your Personal Data that we obtain and possess.
This Summary is a short explanation to help you understand our Privacy Policy. It is not legally binding, and the Privacy Policy shall always be relied upon for legal purposes. As such, please read and understand the Privacy Policy.
If you operate any account maintained with us, access or use our websites, mobile applications or otherwise provide information to or communicate with us, you agree to our collection, use, processing and disclosure of your Personal Data in accordance with this Privacy Policy. The laws of Singapore apply to this Privacy Policy.
The definitions explain the meaning of certain words used in this Privacy Policy.
When you use our services, you are deemed to have agreed with our Privacy Policy. This lists the Personal Data that we will or may collect from you. You may withdraw consent for the collection, use or disclosure of your Personal Data but depending on the nature of the request, we may not be able to continue providing our services to you if you withdraw consent.
This section explains what purposes for which your Personal Data may be used for.
This section explains the possible parties with whom we may share or disclose your Personal Data in connection with the purposes outlined in Section 4.
If we transfer your Personal Data outside Singapore, we will comply with data protection and privacy laws.
We will use your Personal Data for direct marketing only with your consent. You can always change your mind by informing us.
While we will do our best to ensure accuracy of your Personal Data, you can correct errors or update your latest Personal Data by informing us. There may be fees incurred for accessing your data.
We may retain your Personal Data for as long as it is necessary for the purpose it was collected, for business purposes or to comply with applicable laws.
Our Privacy Policy does not apply to third-parties. If you connect to third-party websites via our website, you should be aware of the privacy policies of such third-parties.
We may collect your Personal Data through cookies on website and mobile applications. We use analytics programs to manage and improve your user experience.
The Privacy Policy is subject to change. If you continue to use our services or continue to deal with us, you will be treated as if you have agreed to the changes.
For more help, contact our Personal Data Protection Officer at dpo@save.com or +65-8481-8933.
Last updated on 12 April 2019.
Please read and acknowledge
The Summary in this column explains the terms of this Agreement in layman terms. The Summary is not legally binding. You should read and understand the terms of this Agreement which governs our relationship with you. In the event of any conflict between the provisions of the Agreement and the Summary, the Agreement will prevail.
"Account"
means the SqSave account set up for you pursuant to this Agreement;
"Affiliates"
has the meaning ascribed to it in clause 25.1 of this Agreement;
"Applicable Laws"
means all applicable local or foreign laws, applicable statutes, rules, acts, regulations, subsidiary legislation notices, notifications, circulars, by-laws, policies, orders, licence conditions, directions, requests, requirements, guidelines, directives, codes, information papers, practice notes, demands, guidance and/or decisions of any national, state or local government, any agency, exchange, regulatory or self- regulatory body, law enforcement body, court, central bank or tax revenue authority or any other authority whether in Singapore or elsewhere, whether having the force of law or not, as may be amended from time to time;
"Assets"
means all monies, cash, securities, or other financial instruments or products, and other properties, including all your Investments held with us or through us;
“Asset Allocation”
refers to a pre-screened individual identified and selected by PIVOT and a Sponsor as a deserving recipient of the DoGood initiative, due to longer term needs which can be supplemented by long term investments managed by PIVOT through the SqSave platform;
“Beneficiary”
refers to a pre-screened individual identified and selected by PIVOT and a Sponsor as a deserving recipient of the DoGood initiative, due to longer term needs which can be supplemented by long term investments managed by PIVOT through the SqSave platform;
"Business Day"
means a day, other than a Saturday or Sunday or Public Holiday, on which we are open for business (from 9am to 5pm Singapore time), and in the context of Instructions and Transactions involving a foreign element, a day, other than a Saturday or Sunday, when we and the relevant financial markets and institutions in the country concerned are open for business;
“Customer Knowledge Assessment and Financial Needs Analysis”
has the meaning as defined in clause 4.3 of this Agreement;
“DoGood”
refers to a micro philanthropic initiative to encourage existing clients and non-clients to co-invest (defined as DoGooders) with SqSave for the future financial well-being of any pre-specified DoGood Beneficiaries featured in SqSave;
"FAA"
means the Financial Advisers Act (Chapter 110) of Singapore;
"Guardian"
where named within the DoGood Beneficiary Agreement; acts in the interests of the Beneficiary if the Beneficiary is underaged, of unsound mind, mentally incapacitated or physically disabled, and shall be the legal representative of the Beneficiary where necessary;
"Gift-a-Portfolio"
refers to an Account service option integrated within the SqSave System, allowing existing SqSave clients to send a gift to another individual (i.e., existing or non-existing SqSave client) subject to Section 6 and other relevant terms and conditions of this Agreement;
"Giver"
means the sender or creator of a Gift-a-Portfolio;
“Goal”
means the financial objective of your investment decision;
"Instructions"
means any communication, instruction, order, message data or information received by us through or pursuant to the SqSave System or otherwise referable to your User Access, and any information delivered to us offline by any methods as we may agree;
"Investments"
means any securities or financial instruments which we may purchase or sell on your behalf pursuant to this Agreement;
"IRAS"
means Inland Revenue Authority of Singapore;
"MAS"
means the Monetary Authority of Singapore;
"Personal Data"
has the meaning as defined in the Personal Data Protection Act (2012) of Singapore;
"Privacy Policy"
means our policy on the privacy and protection of Personal Data;
"Recipient"
means the intended person designated by the Giver to receive a Gift-a-Portfolio.
“Risk Profile”
means an evaluation of your willingness and ability to take risks for the purpose of determining a suitable investment asset allocation;
“SqCash”
means the sub-account of your Account which holds the cash component of your Assets;
“SqSave System”
means the hardware, software, digital communication links including our online platforms such as our website and/or mobile applications or other relevant instruments operated by us for the purpose of providing you Services pursuant to this Agreement;
"Services"
means any services provided by us pursuant to this Agreement;
"SFA"
means the Securities and Futures Act (Chapter 289) of Singapore;
"Sponsor"
is familiar with the DoGood Beneficiary’s situation and longer term needs and will partner PIVOT to promote the DoGood initiative for the benefit of the Beneficiary;
"Transactions"
means transactions in such Investments carried out on your behalf pursuant to this Agreement;
“User Access”
means any user identification, passwords and other security credentials assigned to you and required to access and use the SqSave System using your Account.
This section explains the meaning of words and expressions used in the Agreement.
If you wish to use our Services, you must give us certain information that we ask of you.
We have the right not to offer you our Services.
Your account must not be used by anyone else. You cannot use it for someone else.
By your use of Services or Account access, you confirm you agree to our terms and conditions.
We will monitor your activities. You will use our Services lawfully and cooperate with requests.
We offer personalized investment management services and you understand your invested deposit amounts are not guaranteed nor insured by PIVOT for coverage under the SDIC. As such, your investment values are exposed to investment risks and may rise or fall due to investment price movements.
You agree to provide us with information so that we can assess your investment knowledge, experience and other relevant information to ensure that the Services are suitable for you.
You are responsible to ensure that the information you provide are accurate and up-to-date. Else, we have the right to stop offering you our Services.
We may ask you to take certain actions to ensure that it is appropriate for you to use our Services.
We make investment recommendations based on information you provide, and you may accept, change or reject any recommendations.
You agree that any such actions by you means you accept full responsibility should the investments be unsuitable for you.
You agree to allow us to proceed with any changes that we may recommend to your investments based on the latest information we have about you without obtaining further consent from you.
We need to conduct checks on both Giver and Recipient of Gift-a-Portfolio to comply with local laws and to maintain integrity for the service.
Recipients are subject to the same compliance requirements as any other SqSave Account holder.
Gift-a-Portfolio’s underlying investments are exposed to same risks as any other Account goal, though you decide the risk level, for your gift Recipient.
You decide what settings apply to the Gift-a-Portfolio, but once sent we are not able to change any settings.
Your Gift-a-Portfolio Recipient has full control of what he or she wishes to do with the underlying goal investments after the minimum holding, period if any expires.
Gift-a-Portfolio cannot be used to send money to another person to withdraw.
We need to conduct checks, including on DoGood contributor Beneficiary, Guardian (if applicable) and Sponsor (if applicable) of DoGood cases, to comply with local laws and to maintain integrity for the service.
DoGood Beneficiaries and Guardians (if applicable) are subject to the same compliance requirements as any other SqSave Account holder.
DoGood portfolio underlying investments are exposed to same risks as any other Account goal. The DoGood portfolio risk profile setting and Minimum Investment Period (MIP) are both automatically pre-set by SqSave in consultation with DOGood Sponsor, in best interests of DoGood Benefciiary. These settings will remain until MIP expiry and cannot be changed.
Once DoGood contribution is sent, it will be auto invested in DoGood portfolio on behalf of DoGood Beneficiary selected and cannot be reversed or later withdrawn by the contributor (DoGooder).
Beneficiary and Guardian (if applicable) are both unable to withdraw or top-up to DoGood portfolio until after MIP expiry.
After DoGood MIP expiry, Beneficiary or Guardian (if applicable) can withdraw, top-up or leave DoGood portfolio unchanged to continue growing and risk setting can only be done via withdrawal and reinvestment into a newly created account portfolio goal.
DoGood cannot be used to send money directly to another person to withdraw.
You permit us to take all necessary actions on your behalf such as transactions with respect to any buying or selling of investments in your Account.
You permit us to aggregate sales and purchases of investments that we execute on your behalf with other clients. You accept that there will be variations between the intended proportion of various assets and what is actually achieved.
You agree to remit and hold your monies in a bank account specified by us, together with funds from other clients.
All inward and outward money transfers can only be made with a bank account bearing your name. Else, we may be required by Applicable Law to withhold such monies.
You will bear all costs related to the inward and outward movement of monies from and to your Account.
You agree that we can execute sales and purchases of investments on your behalf through our account held with a broker of our choice.
You agree that we may aggregate sales and/or purchase of similar investments for you with other clients, including the matching of sales and purchases between our clients, with the main aim of lowering transaction costs.
In so doing, you acknowledge that we will do so in good faith and you agree to indemnify us from any outcomes that may not be in your favour.
You accept the risk that our chosen broker(s) may use the investments held by us to satisfy any outstanding claims, which may in turn affect the value and composition of your investments.
You agree that your investments can be held together with our other clients in appropriate and suitable providers, whether in-house or external, and without direct ownership, so long as there is proper attribution and accounting for your share of the investments. However, we shall not be held liable for actions of any such providers, local or overseas, that result in losses to you.
You acknowledge that investments carry many risks.
You agree that these investments may suffer capital loss, and all indicated past returns have no certainty that they will continue into the future.
You accept that our investment decisions may not produce intended results, and we are not liable for any losses that may arise in your investments.
You must pay fees and charges specified at sqsave.com.
Any taxes or lawful charges are payable by you.
You permit us to deduct any outstanding fees and charges before remitting any proceeds to you.
You confirm that you are the proper, lawful and ultimate beneficiary of this Account.
You acknowledge that we do not provide any tax or legal advice.
You agree that we may take all necessary actions in compliance with the laws of Singapore, even if such actions may be detrimental to you.
You agree that we have the right to ask all necessary information for us to provide our Services in accordance with applicable laws, professional and/or compliance requirements.
You give us full authorisation to do the actions listed in para 14.1 (a) to (c).
We will send you reports via your registered email and you may view your records via our website.
You agree to inform us of any errors or omissions within 14 days. Thereafter, we have the sole discretionary right to consider the details as confirmed without further change.
An overseas-listed investment product* is subject to the laws and regulations of the jurisdiction it is listed in. Before you trade in an overseas-listed investment product or authorise someone else to trade for you, you should be aware of:
These and other risks may affect the value of your investment. You should not invest in the product if you do not understand or are not comfortable with such risks.
*An “overseas-listed investment product” in this statement refers to a capital markets product that is listed for quotation or quoted only on overseas securities exchange(s) or overseas futures exchange(s) (collectively referred to as “overseas exchanges”).
You acknowledge that you have received a copy of the Risk Warning Statement and understand its contents.
Last updated on 31 Mar 2025.
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"SquirrelSave" is now known as "SqSave". Nothing else changes.
SqSave’s fully AI-driven investment engine allows anyone to invest in a globally diversified portfolio for as little as ONE Dollar. Our innovative “Gift-a-Portfolio” e-gifting and our “DoGood” micro philanthropic social investing tools can provide superior alternatives to traditional cash giving.
Welcome to SqSave.com
Smart Investing for Anyone, Anywhere, Anytime!
To serve you better, SqSave is switching to Tiger Brokers as its underlying custodian. This may take up to 6 business days starting 15 Dec 2023, during which deposits and withdrawals will be temporarily unavailable.
Additionally, your account cannot be accessed during our routine system maintenance from 15 Dec 2023, 23:59 to 17 Dec 2023, 23:59.
We apologise for any inconvenience. Please contact us for any assistance.
Email: clientservices@sqsave.com.sg
Telephone: +65 84818933