Terms of Service

Last Updated: 21 March 2026

These Terms of Service (“Terms”) form a legally binding agreement between you and Vector (“Vector”, “we”, “us”, or “our”) and govern your access to and use of:

vectorlearningapp.com
app.vectorlearningapp.com
api.vectorlearningapp.com
the Vector mobile application
and all related products, content, notes, tools, APIs, features, subscriptions, free plans, and services we make available (collectively, the “Services”).

1. Acceptance of These Terms

By doing any of the following, you agree to be bound by these Terms and our Privacy Policy:

creating an account;
clicking any button, checkbox, or similar mechanism indicating acceptance, including "I agree", "Create account", "Sign up", "Continue", or any similar confirmation at registration;
accessing or using any part of the Services;
using any free plan, free feature, trial feature, or unpaid part of the Services.

If you do not agree to these Terms, you must not create an account or access or use the Services.

Your continued use of the Services after any update to these Terms will constitute your acceptance of the updated Terms, to the fullest extent permitted by law. Singapore law generally does not deny legal effect merely because a contract or acceptance is in electronic form.

2. Eligibility

You may use the Services only if you are legally capable of entering into these Terms under applicable law.

If you are under 18, or otherwise do not have sufficient legal capacity or authority to accept these Terms on your own, your parent or legal guardian must review and accept these Terms on your behalf and authorise your use of the Services.

We may suspend, restrict, or terminate access if we reasonably believe that valid authorisation or consent has not been obtained. PDPC guidance for children’s personal data says organisations should consider whether a child has sufficient understanding, and where appropriate should obtain consent from a parent or guardian, particularly for younger users.

3. Description of the Services

Vector provides study-related and education-support services, which may include:

notes and study materials;
practice tools and question banks;
timers, exam tracking, to-do tools, and study analytics;
AI chatbot functionality;
web, app, and API access;
free and paid subscription plans;
other study-support features we may introduce from time to time.

We may add, remove, modify, suspend, or discontinue any part of the Services at any time, with or without notice, to the fullest extent permitted by law.

4. Account Registration and Responsibility

You must provide accurate, complete, and current information when creating and maintaining your account.

You are solely responsible for:

safeguarding your login credentials;
all activities conducted under your account;
maintaining accurate account information;
ensuring that your use of the Services complies with these Terms.

You must notify us promptly if you suspect unauthorised access to or misuse of your account.

5. Single-Device Access and No Account Sharing

Each account is provided only for use in the manner expressly permitted by Vector.

To protect account security, subscription integrity, and service reliability, one account may be limited to one device at a time. Account sharing is prohibited unless we expressly state otherwise in writing.

We may use device, session, access, and behavioural signals to detect suspected account sharing, misuse, abuse, or unauthorised access. If we detect or reasonably suspect such conduct, we may, without prior notice:

terminate active sessions;
require re-authentication;
block additional devices;
suspend or restrict the account;
revoke access to certain features;
terminate the account permanently.

Where we take action because of a breach of these Terms, no refund, compensation, or credit is required except where applicable law requires otherwise.

6. Free Plans, Paid Plans, Billing, and Subscriptions

Some Services are free, and some require payment.

By using the free plan, you acknowledge that:

the free plan remains fully subject to these Terms;
free features may be modified, restricted, capped, or removed at any time;
we do not guarantee continued availability of any free feature.

By subscribing to or purchasing a paid plan, you agree:

to pay all applicable fees, taxes, and charges shown at checkout;
that billing may be processed through third-party payment providers, including Stripe;
that recurring subscriptions may renew automatically unless cancelled in accordance with the applicable billing terms;
that you are responsible for keeping your billing details valid and up to date.

We may change pricing, plan structures, feature availability, or usage limits on a prospective basis.

These Terms do not exclude rights that cannot lawfully be excluded under Singapore law, including protections against unfair practices under the Consumer Protection (Fair Trading) Act.

7. Refunds

Unless expressly stated otherwise by Vector in writing or required by applicable law:

all fees paid are non-refundable;
partial billing periods are not refundable;
cancellation stops future renewals only;
you remain responsible for all charges incurred before cancellation takes effect.

If your account is suspended or terminated for breach of these Terms, you will not be entitled to any refund, credit, or compensation, except where required by law.

8. Financial Assistance Scheme

Vector may, at its sole discretion, offer a financial assistance scheme, subsidy, concession, discount, or similar reduced-pricing arrangement to eligible users who submit supporting documents or proof as requested by us.

By applying for or receiving any such assistance, you represent and warrant that:

all information, statements, documents, and supporting materials submitted to us are true, accurate, complete, current, and not misleading;
the documents submitted belong to you or are lawfully submitted with proper authority;
you are genuinely eligible for the assistance requested;
you will not falsify, alter, forge, manipulate, recycle, conceal, misuse, or misrepresent any document or information in order to obtain a discount, concession, or other benefit.

Vector may, at any time and without prior notice:

request additional information or verification;
reject any application at our sole discretion;
revoke, cancel, or reverse any discount or benefit granted;
suspend, restrict, or terminate the relevant account;
recover any amount improperly discounted or obtained;
permanently disqualify the user from future assistance schemes;
report suspected fraud, forgery, deception, or unlawful conduct to the relevant authorities;
pursue all other legal and equitable remedies available to us.

Any abuse, attempted abuse, misrepresentation, false declaration, forged document, or dishonest conduct in connection with the financial assistance scheme will be treated as a serious breach of these Terms. Singapore law provides remedies and consequences for unfair or deceptive conduct, and other laws may apply where fraudulent or forged materials are involved.

9. Strict Acceptable Use Rules

You must not, and must not permit any other person to:

use the Services unlawfully or for any unlawful purpose;
access or use another person's account without permission;
share, transfer, sell, rent, sublicense, or otherwise allow another person to use your account;
interfere with, disrupt, damage, or impair the Services or related infrastructure;
probe, scan, test, or bypass security measures or access restrictions;
scrape, crawl, harvest, mirror, or systematically extract data or content from the Services;
upload malware, malicious code, bots, scripts, or harmful material;
reverse engineer, decompile, disassemble, or attempt to derive source code from any part of the Services, except where applicable law prevents such restriction;
use the Services in a way that infringes the rights of Vector or any third party;
bypass subscription rules, feature limitations, access controls, or device restrictions;
misuse the chatbot or other features in an abusive, deceptive, harmful, or disruptive way.

Any breach of this clause may result in immediate suspension or termination, without prejudice to any other rights or remedies available to us.

10. AI Chatbot and AI Features

The Services may include AI-powered functionality, including a chatbot, which may use third-party providers such as OpenAI.

By using any AI feature, you acknowledge and agree that:

outputs may be inaccurate, incomplete, misleading, outdated, or inappropriate;
outputs are provided for general educational support only;
outputs do not constitute academic, professional, legal, financial, medical, mental health, or other regulated advice;
you are solely responsible for evaluating and verifying any output before relying on it.

You must not submit sensitive personal data through the chatbot. This includes NRIC numbers, passport numbers, passwords, payment card details, bank account details, medical information, or other highly confidential information.

You are solely responsible for what you choose to send, ask, upload, or submit through the chatbot. We do not control, pre-screen, or approve every input made by users, and we are not responsible for the personal data or other material that you voluntarily choose to submit.

11. Notes and Content Use Restrictions

Unless expressly permitted by Vector in writing or expressly allowed within the Services, all notes, study materials, explanations, question sets, visual assets, and related content made available by us are licensed only for your personal, limited, non-transferable, revocable, non-commercial use within the Services.

You must not:

download any notes or study content;
print any notes or study content;
copy, reproduce, duplicate, republish, or archive any notes or study content;
share, transmit, upload, post, email, or otherwise distribute any notes or study content;
sell, sublicense, commercialise, or monetise any notes or study content;
compile, adapt, translate, modify, extract, or create derivative works from any notes or study content;
upload our notes or study content to any website, cloud drive, repository, forum, messaging group, or third-party platform.

Any unauthorised downloading, printing, copying, or redistribution of our notes or study content is strictly prohibited unless we expressly state otherwise.

We may use technical, contractual, or access-control measures to prevent or detect such conduct.

12. User Content

You may submit content through the Services, including prompts, messages, forms, account details, and other materials (“User Content”).

You represent and warrant that:

you have all necessary rights to submit the User Content;
the User Content does not infringe any third-party rights;
the User Content does not violate any law or regulation;
the User Content does not contain material that you are prohibited from providing.

You grant Vector a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, process, transmit, display, and otherwise use your User Content to the extent reasonably necessary to operate, secure, improve, and provide the Services and to comply with legal obligations.

13. Intellectual Property

All rights, title, and interest in and to the Services, including all software, designs, layouts, interfaces, branding, graphics, text, notes, study materials, databases, and other content made available by Vector, are owned by or licensed to Vector and are protected by applicable intellectual property laws.

Except as expressly permitted by these Terms, no right or licence is granted to you.

14. Push Notifications

If you enable push notifications on the mobile app, you agree that we may send reminders, timer notifications, service alerts, operational messages, and other app-related notifications.

You may disable push notifications through your device or app settings, but doing so may affect certain functionality.

15. Privacy

Your use of the Services is also governed by our Privacy Policy.

By creating an account, clicking “I agree”, using the free plan, or otherwise accessing or using the Services, you acknowledge that your personal data may be collected, used, disclosed, and processed in accordance with our Privacy Policy.

16. Suspension, Restriction, and Termination

We may, at any time and without prior notice, suspend, restrict, block, or terminate your account or access to the Services if:

you breach these Terms;
we reasonably suspect misuse, fraud, abuse, or account sharing;
you create legal, reputational, operational, or security risk;
payment is overdue, reversed, challenged, or disputed;
we are required to do so by law, regulation, court order, or competent authority;
we discontinue part or all of the Services.

We are not liable for any loss arising from such suspension, restriction, or termination, to the fullest extent permitted by law.

17. Service Availability

We do not guarantee that the Services will be uninterrupted, secure, error-free, or available at all times.

The Services may be affected by maintenance, outages, bugs, third-party failures, security incidents, or events beyond our control. We may modify, interrupt, or discontinue access at any time.

18. Disclaimers

To the fullest extent permitted by law, the Services are provided on an “as is” and “as available” basis.

We disclaim all warranties, representations, and guarantees, whether express, implied, or statutory, including implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, title, compatibility, availability, and non-infringement.

We do not guarantee that:

any study outcome or academic result will be achieved;
any chatbot answer will be correct or suitable;
any note, explanation, or study material will be error-free;
the Services will always meet your expectations.

Nothing in these Terms excludes rights that cannot lawfully be excluded.

19. Limitation of Liability

To the fullest extent permitted by law, Vector and its directors, officers, employees, contractors, affiliates, licensors, and service providers will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary loss or damage, including loss of profits, revenue, data, goodwill, opportunity, savings, or business interruption, arising out of or in connection with the Services or these Terms.

To the fullest extent permitted by law, our total aggregate liability for all claims arising out of or relating to the Services or these Terms will not exceed:

the total amount paid by you to Vector for the Services in the 12 months immediately preceding the event giving rise to the claim; or
SGD 100, if you have not paid us any amount.

Consumer-facing liability clauses should still be read subject to applicable mandatory Singapore law and consumer protections.

20. Indemnity

You agree to indemnify and hold harmless Vector and its directors, officers, employees, contractors, affiliates, and service providers from and against any claims, liabilities, losses, damages, costs, and expenses, including reasonable legal fees, arising out of or related to:

your use of the Services;
your breach of these Terms;
your User Content;
your violation of any law or third-party rights.

21. Changes to These Terms

We may amend these Terms at any time.

Updated Terms may be posted through the website, app, or other reasonable means. By continuing to access or use the Services after the updated Terms take effect, you agree to the revised Terms. Singapore law generally recognises the legal effect of electronic records and communications.

22. Governing Law and Jurisdiction

These Terms are governed by the laws of Singapore.

You agree that the courts of Singapore will have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Services, except where applicable law provides otherwise.

23. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.

24. No Waiver

Any failure or delay by Vector to enforce any provision of these Terms does not amount to a waiver of that provision or any other provision.

25. Entire Agreement

These Terms, together with our Privacy Policy and any policies expressly incorporated by reference, constitute the entire agreement between you and Vector concerning the Services and supersede prior understandings relating to the same subject matter.

26. Contact

For legal or terms-related enquiries, contact:

Vector
Email: legal@vectorlearningapp.com