Reconcilia Cloud · Legal

Terms of Service

These terms govern your use of the Reconcilia Cloud website and platform. The service is operated by the legal entity named in the site footer, with its UEN, registered in Singapore. By using this site or subscribing to the platform, you agree to these terms.

Last reviewed 10 November 2026 · Applies to reconcilia-cloud.sg and the Reconcilia Cloud platform.

Who agrees

R01 Site visitors Acceptance
R02 Subscribing teams Subscription
R03 Registered users Account

What these terms cover

S01 The platform and this site Scope
S02 Fees, billing and notices Payment
S03 Data, liability and law Binding

Read this alongside the privacy policy and cookie policy.

Before you subscribe

What you are agreeing to, in plain numbers

These four commitments sit behind every subscription. They are the working parts of the terms, not marketing lines — each one has a section below that explains it in full.

Billing cycle: Monthly
Annual option: Annual
Bank feeds: Read-only
Governing law: Singapore

If a section below and this summary ever disagree, the section governs. We keep this summary short on purpose — the sections carry the detail, and the contact page carries our address if you want to ask about any of them.

Platform connections named in these terms

DBS
UOB
OCBC
IRAS
GST reporting

Short product tour

What the terms describe, seen on the desk

The sections that follow govern four working surfaces: statements arriving, transactions matching, exceptions landing in a list, and figures leaving the platform for reporting. Each panel below is one of those surfaces, captioned in the same order the sections appear.

A hand lifting a printed bank statement from a matte white laminate desk with a phone lying beside it — Statements arrive

Close view of two ruled columns on a dark ledger page meeting at a single centre rule with one amber dot — Rows meet the rule

An amber folder lying on white laminate with one corner lifted in raking daylight — Exceptions get flagged

Two hands writing in a ruled ledger book on a laminate desk with a blurred calculator beside it — GST figures entered

A closed ruled ledger book on white laminate with an amber pen laid across the cover — The month closes

Three paper-clipped bundles of folded currency laid in ruled rows on white laminate — Currencies separated

A single torn perforation running across a matte paper sheet lit by amber lamp glow — Plans split at the seam

Drag or swipe the strip, or use the arrow keys when a panel has focus.

Scope of the service

Sections 1 – 3

1. What Reconcilia Cloud provides

Reconcilia Cloud provides cloud software for bank reconciliation, transaction matching, GST-ready reporting, and cash management. The service is a software tool. It does not provide accounting, audit, tax, or legal advice, and nothing in the platform or on this site should be read as professional advice you would otherwise take from a qualified practitioner.

Subscriptions are offered on monthly or annual terms, priced by tier as described on the pricing page. The features in each tier, the number of users included, and the bank connections available are the ones listed there at the time you subscribe.

2. Your account and its credentials

You are responsible for the accuracy of data you or your users enter or import, for maintaining the confidentiality of user credentials, and for all activity under your account. Where your team shares an account, whoever holds the credentials acts for the organisation.

Notify us promptly if you become aware of unauthorised access to your account. Until you tell us, we have no way of knowing that a login was not yours, and the activity under that account continues to be attributed to your organisation.

3. Authorised bank connections

Bank connections are established through each bank's own consent process and are read-only. The platform cannot initiate payments or transfer funds. You are responsible for managing and revoking consents where required, including when a staff member leaves your team or a company account is closed.

If a feed stops

Consent expiry and bank-side maintenance are the two usual reasons a feed pauses. Re-authorising the connection from your bank restores the feed, and the affected statement period can be imported again once it is live.

Fees and payment

Section 4 – 5

4. Subscription fees

Subscription fees are stated on the pricing page and are payable in advance for the billing period selected. Fees are exclusive of any applicable taxes unless stated otherwise, so a GST-registered subscriber should expect GST to be added at the prevailing rate on the invoice.

Failure to pay may result in suspension of access after notice. We send the notice to the billing contact on the account, so keep that address current. Access returns when the outstanding amount is settled.

5. Choosing a billing period

The billing period you pick sets the amount charged and the length of the term. Switching from monthly to annual takes effect at the next renewal unless your account manager arranges otherwise.

Monthly term

Billed per month in advance. Suited to teams reviewing their tooling each quarter, or to a first year of reconciliation before a tier is fixed.

Annual term

Billed once for the year in advance. Suited to teams that have settled on a tier and want the billing cycle out of the way.

Data, ownership and limits on liability

Who owns what, how long availability holds, and what happens if something goes wrong. These are the sections a finance team tends to read twice, so they are set out plainly below.

Sections 6 – 8

6 Data ownership You keep the financial and transactional data you import. We process it to run the service, as described in the privacy policy. Yours
7 Export on termination On termination, you may export your data within the period stated in your subscription agreement. We recommend exporting before the account closes. Export
8 Service availability We aim to keep the platform available and to give notice of planned maintenance. We do not warrant uninterrupted availability, and scheduled or emergency maintenance may affect access. Notice
9 Limitation of liability To the extent permitted by Singapore law, our liability arising from use of the service is limited to the fees paid for the affected subscription period. Capped
10 Indirect and consequential loss We are not liable for indirect or consequential loss, including loss of profit or business opportunity. Excluded
11 Governing law These terms are governed by the laws of Singapore, and disputes are subject to the exclusive jurisdiction of the Singapore courts. Singapore

Changes, and what they mean for you

Section 12 and common questions

We may update these terms to reflect changes in the service or in applicable law. Continued use of the platform after publication of an updated version constitutes acceptance. Material changes will be notified to registered users. The questions below are the ones we are asked most often about how that works in practice.

How will I hear about a material change?

Material changes are notified to registered users at the email address held on the account, ahead of the date they take effect. Minor edits — a corrected link, a reworded sentence that does not change your obligations — are published without a separate notice, and the review date at the top of this page moves.

Do the terms cover the other pages of this site?

They cover your use of reconcilia-cloud.sg and the platform. The privacy policy explains what personal data we hold and why, and the cookie policy explains the cookies the site sets. Feature pages and pricing pages describe the service; they do not replace these terms.

What happens to my data if I stop subscribing?

You keep ownership of the data throughout. On termination you may export it within the period stated in your subscription agreement, after which the account is closed. If you are mid-year reconciliations, plan to export before the last invoice settles so your ledger hands over complete.

Can the platform move money on my behalf?

No. Bank connections are read-only and established through each bank's own consent process. The platform reads statement lines and matches them to your ledger; it cannot initiate payments or transfer funds.

Where do I send a question about these terms?

Write to Reconcilia Cloud through the contact page and say which section your question relates to. If the answer changes anything a finance team needs to know, we would rather explain it than have you infer it.