Terms & conditions

Last Updated: 16 July 2025

1. Introduction

Welcome to Reglu.com, operated by Kaer Accan Pte. Ltd. (hereinafter referred to as “Reglu”, “we”, “us”, or “our”). These Terms of Use (“Terms”) constitute a legally binding agreement between you and Reglu, governing your access to and use of our products and services.

Reglu is a secure collaboration platform for data storage and wealth management. We provide a turnkey AI-driven solution for secure file storage, private collaboration, and wealth preservation. Through our platform, you can track assets, optimise investment strategies, and manage digital infrastructure through:

Reglu Private Cloud;
Reglu Asset Management Platform;
System integrations, development & hosting;
User onboarding and support services;
Specific services per the User’s requests.

By accessing or using our Services, you agree to be bound by these Terms.

2. Who These Terms Apply To

These Terms apply to all individuals and entities (“Users”, “you”, or “your”) who access or use our products and Services, whether on behalf of yourself or a business entity. If you use our Services on behalf of an organisation or entity, you represent that you have the authority to bind such entity to these Terms.

By entering into these Terms, you are willing to become a Reglu User. In this regard, to book and purchase Reglu Products and Services under these Terms and provide us with all necessary information required to be fulfilled on the Reglu Platform, as well as comply with your rights and obligations under these Terms.

3. Definitions and Interpretations

“Affiliates” means any entity or individual that directly or indirectly controls, is controlled by, or is under common control with Reglu. This includes subsidiaries, holding companies, group members, assigns, assignees, successors, agents, third-party service providers, or technology partners associated with Reglu Services. For this definition, “control” refers to owning more than 25% of voting rights or having the ability to direct management decisions through ownership, contract, or other legal means.

“Business Day” means any day, excluding Saturdays, Sundays, and official public holidays, on which banks are open for general business in Singapore or other jurisdictions where Reglu or its Affiliates operate.

“User” (collectively, “Users”) refers to any individual or legal entity accessing, registering for, purchasing, or using the Reglu Platform, including its Products and Services, for personal, business, or organisational purposes.

“Confidential Information” refers to any non-public data, documents, or communications, whether written, verbal, electronic, or visual, concerning Reglu’s or its users’ operations, products, services, strategies, finances, or technical implementations. This includes, but is not limited to, business plans, code, software, technical documents, client data, trade secrets, algorithms, pricing information, and internal communications. Confidential Information retains commercial or strategic value by remaining undisclosed and is the exclusive property of its rightful owner.

“Intellectual Property Rights” means all rights granted under applicable law in connection with inventions, software, databases, trademarks, trade secrets, know-how, copyrights, layouts, graphics, promotional materials, and proprietary systems. This includes, without limitation, the source and object code of any software, its architecture, and any related methods, content, and materials developed or used by Reglu or its Affiliates.

“Personal Data” means any information relating to an identified or identifiable individual, directly or indirectly, by reference to identifiers such as name, email, ID number, location data, online identifiers, or characteristics linked to a person’s identity (e.g., physical, psychological, cultural, or economic). Definitions of “Personal Data” may vary depending on the jurisdiction and applicable data protection laws.

“Reglu Platform” means Reglu’s digital infrastructure, including its websites, mobile apps, cloud systems, admin panels, APIs, and other technologies owned or managed by Reglu or its Affiliates. It serves as the main distribution channel for accessing, managing, and purchasing Reglu Products and Services.

“Reglu Products” refers to the product offerings listed in Section 5 of these Terms, including but not limited to the Reglu Private Cloud and Wealth Management Platform, as well as any modules, integrations, or add-ons developed or provided by Reglu.

“Reglu Services” (or “Services”) refers to any technical, supportive, or administrative services provided by Reglu or its Affiliates, including but not limited to subscriptions, development and integrations, hosting, asset tracking, user onboarding, support and other specific services which might be requested by Users from time to time. This also includes any additional products, tools, or functionalities available for booking or purchase via the Reglu Platform under specific terms set by Reglu or its partners.

“User Account” means the personalised, secured account created by a User on the Reglu Platform, which provides access to Reglu Products and Services. A User Account stores personal details, login credentials, service preferences, billing information, and usage history. It enables the User to manage subscriptions, update information, communicate with support, and perform authorised actions within the Reglu ecosystem. Each User is responsible for maintaining the confidentiality and integrity of their account access and activity.

“User Content” refers to all data, files, text, images, code, configurations, documents, or other materials uploaded, submitted, created, shared, transmitted, or otherwise managed by a User through the Reglu Platform in connection with the use of Reglu Products and Services.

4. Eligibility

By accepting these Terms, you confirm that you have the full legal right, authority, and capacity to enter into this agreement on your behalf or on behalf of the entity you represent. Your consent to these Terms, along with any other related agreements or documents provided by Reglu, is demonstrated by your affirmative “joining” action during the User Account registration, subscription, or payment process on the Reglu Platform.

You may only use Reglu’s Services if you:

Are at least 18 years old;
Have the legal capacity to enter into binding contracts;
You are not barred under any applicable law from receiving Services.

By entering into these Terms by the conditions set forth herein, you acknowledge and accept full responsibility for all obligations arising under this agreement and any related agreements concluded with Reglu. If you are acting on behalf of a company, organisation, or other legal entity, you confirm that you are authorised to do so and agree that such entity, along with its affiliates, successors, assigns, and employees, will also be bound by and responsible for complying with these Terms.

Use of the Services where prohibited by law is void.

5. Reglu Products

Reglu Private Cloud

A fully encrypted cloud infrastructure for file storage, secure document sharing, and VPN access. Each user instance is fully isolated for maximum data sovereignty and protection.

Wealth Management Platform

A secure, end-to-end system for portfolio management, legal structuring, inheritance planning, and compliance. Integrated with advanced reporting and decision support tools.

6. Community Use & User Content

Your use of our Services may involve hosting or transferring files, code, data or other content (“User Content”). You are responsible for the integrity, security, and backup of your User Content. We do not guarantee the preservation of your User Content and disclaim liability for data loss.

You retain ownership of your User Content. By submitting content to the Reglu Platform, you grant us a license to host, process, and display it to deliver Reglu Products and Services to you. You are solely responsible for your content and for ensuring it does not violate any applicable laws or third-party rights.

7. License and Intellectual Property

All content on the Reglu Platform, including code, trademarks, designs, and materials, is owned by Reglu or licensed to Reglu. You are granted a non-transferable, non-sublicensable, revocable license to use our Services solely under these Terms.

8. Registration & Account Management

To access most Reglu Services, including private cloud features and asset management tools, you must create a User Account. You must provide accurate, complete, and current information during registration and keep it updated. Using false details or impersonating others is strictly prohibited.

By registering, you confirm that you’re eligible to enter into binding agreements and will use your User Account only for lawful, authorised purposes.

Account Verification

For security, we may verify your identity via email, mobile number, or official documents. We may also recommend enabling two-factor authentication (2FA) for added protection.

Account Use & Responsibilities

You are responsible for all activities under your User Account and must keep your login credentials confidential. Do not share your User Account with others. If you believe your User Account has been compromised, update your credentials and notify us immediately. We reserve the right to suspend or delete User Accounts that violate our Terms or pose security risks.

Prohibited Activities

You may not:

Use bots or scraping tools on the platform.
Misuse or interfere with any feature of Reglu;
Post or store illegal, harmful, or infringing content;
Violate intellectual property rights;
Attempt to bypass security features.
Engage in fraudulent or unauthorised activities.

Violation of these rules may result in User Account suspension or termination without prior notice.

User Account Termination

You may delete your User Account anytime via your User Account settings or by contacting our support team. We may also deactivate or terminate User Accounts at our discretion for security, legal, or policy reasons.

Security and Monitoring

We may monitor activity on the Reglu Platform to ensure compliance and protect user safety. Your data may be accessed or shared if required by law, regulatory request, or to address fraud, abuse, or technical issues.

9. Your Rights and Obligations

By accepting these Terms, you gain the right to:

Access and use the Reglu Platform, Reglu Products and Services to manage your User Account, subscribe to Reglu Products and Services, and utilise features like secure cloud storage and asset management.
Receive clear, accurate, and transparent service information, including descriptions, pricing, and subscription terms.
Maintain control of your User Account, including updating details, adjusting privacy preferences, and requesting User Account deletion.
Receive customer support to assist with your subscriptions, technical issues, or service-related questions.
Submit feedback to help improve our Platform and Services.
Cancel subscriptions according to applicable policy (though refunds are not provided once Services are delivered, unless required by law).

You Agree to:

Follow these Terms and all applicable laws when using the Reglu Platform, Reglu Products and Services.
Provide accurate, up-to-date information when registering or updating your User Account.
Keep your User Account secure and refrain from sharing login credentials.
Avoid any misuse of the platform, such as fraudulent activity, impersonation, or spreading harmful content.
Comply with all laws and refrain from: reverse engineering, unauthorised access, automated scraping, spreading malware, or sharing illegal, defamatory, or infringing User Content.
Respect intellectual property rights and refrain from using Reglu trademarks without permission.
Not interfere with the functionality or security of the Reglu Platform.
Refrain from advertising, spamming, or using the platform for unauthorised commercial purposes.
Avoid publishing or linking to unlawful, offensive, or discriminatory content.
Cooperate with Reglu if identity verification or additional documentation is required for service or compliance purposes.

Violations of these responsibilities may result in suspension or termination of your User Account.

10. Our Rights and Responsibilities

Service Provision and Information

Reglu reserves the right to determine how Reglu Services and Platform features are made available to Users. All essential product and service information is accessible through your User Account dashboard or the official Reglu platform.

Monitoring and Compliance

To ensure security and compliance, Reglu may monitor your User Account activity, personal and payment information, and content submitted through the platform. This monitoring is for service delivery, legal compliance, and enforcement of these Terms.

User Account Restrictions and Denial of Access

We reserve the right to restrict, deny or terminate access to any part of the Reglu Platform, including provision of Reglu Products and Services, if:

You violate these Terms or any legal or regulatory requirements;
Fraudulent, abusive, misleading, unlawful, unethical, or disruptive behaviour is detected;
There are security, operational or fraud risks;
You fail to provide accurate or requested information;
Payment obligations are not met.
Legal obligations or Force Majeure;
Business or service restructuring.

In such cases, we will notify affected users of the reason, duration, and any available actions, including potential restoration steps or refund eligibility (if applicable).

User Accounts created using false identities or abusive methods may be suspended or removed without prior notice.

Support During Suspensions

If your access is suspended, you may see a notice like: “Your User Account is temporarily restricted due to policy violations. Please contact Reglu Support for assistance.” Our Support Team is available to help clarify the issue, guide you on corrective actions, and support reinstatement where possible.

11. Billing and Payments

Payment Processing

Reglu does not collect or store your payment information directly. All payments for Reglu Products and Services are securely processed by trusted third-party payment gateway providers (such as Stripe or others we may engage).

You agree to follow the instructions and terms provided by the payment gateway during checkout and to cover all applicable fees, including any charges imposed by your bank, card issuer, or payment service provider.

Access to Services

Access to the Reglu Platform, including Reglu Products and Services, is granted only after full payment is successfully received and confirmed by the payment gateway.

We reserve the right to deny access to Services or suspend your User Account if:

Payment is incomplete or delayed.
Payment is reversed, disputed, or fraudulent;
Fees (including bank commissions, taxes, or currency conversions) are unpaid.

Payment Details

After a successful payment, you will receive a payment confirmation and receipt by email. You can view and manage your subscriptions and transactions from your User Account dashboard on the Reglu Platform.

Please ensure the accuracy of all payment-related information provided during checkout. You are solely responsible for any mistakes or omissions that may delay or prevent service delivery.

Fees, Currency, and Taxes

Prices displayed on the Reglu Platform are exclusive of any transaction fees, foreign exchange fees, or taxes unless stated otherwise.
You are responsible for all applicable taxes, duties, or charges related to your use of Reglu Services under your local law.
Currency conversions and related fees are subject to your payment provider’s policies, and Reglu is not liable for exchange rate discrepancies.

Fraud and Unauthorised Use

If any payment or User Account activity appears fraudulent or suspicious, Reglu reserves the right to:

Block or cancel transactions.
Suspend or delete related User Accounts.
Request additional verification.

You are required to notify your payment provider immediately in case of unauthorised charges. Reglu does not accept liability for fraud or losses related to third-party misuse of your payment credentials.

12. Cancellations and Refunds

You may cancel subscriptions at any time via your User Account dashboard. Services already rendered or paid for are non-refundable. No refunds shall be provided unless otherwise required by law.

All disputes shall be resolved by binding arbitration under Singaporean law. You waive your right to a class action and agree to resolve disputes individually.

13. Support

We provide technical support via the Reglu Platform (particularly, via the Reglu website contact form). Support scope, hours, and contact methods vary depending on the support case.

14. Privacy and Data Use

Your data is handled by our Privacy Policy. By using our Services, you consent to data collection and usage described therein.

15. Third-Party Services

Third-party tools and integrations may be provided as part of the Services. Reglu is not responsible for their availability, accuracy, or compliance. Your use of third-party services is subject to their terms.

16. Confidentiality

You agree to treat all non-public information shared by Reglu (“Confidential Information”) as strictly confidential and use it solely for purposes related to your authorised use of Reglu Services.

You must not disclose any Confidential Information to third parties without Reglu’s prior written consent, except where required by law, regulatory authorities, or auditors under formal request, provided they are also bound by confidentiality obligations.

These obligations do not apply to information that is:

Already publicly known without your breach;
Rightfully in your possession before disclosure;
Independently developed without reference to Reglu materials;
Lawfully obtained from another source not bound by confidentiality.

In case of unauthorised disclosure, you are responsible for all resulting damages, legal costs, and any necessary remedial actions, including destruction or return of all Reglu’s Confidential Information upon request or termination of cooperation.

You must not use Reglu’s Confidential Information, brand names, or trademarks in search ads, domains, or any promotional context without express permission.

These confidentiality obligations survive the termination of your relationship with Reglu.

Users agree to treat all non-public information as confidential. Beta features may be offered “as-is” and may be discontinued without notice.

17. Liability and Indemnification

You are fully responsible for fulfilling all obligations under these Terms. Reglu reserves the right to seek reimbursement from you if:

A breach occurs due to your (or your organisation’s) actions or omissions, including employees or representatives.
Reglu incurs claims, losses, or legal actions as a result of your non-compliance.

Reglu is not liable for:

Third-party content, inaccuracies, or service quality provided by integrated platforms, tools, or partners.
Any external transactions, actions, or failures by third-party service providers (e.g., integrations, financial data sources).

Your Indemnity Obligation

You agree to indemnify, defend, and hold harmless Reglu, its affiliates, officers, employees, and agents from any claims, losses, legal costs, or liabilities arising from:

Your misuse of the Reglu Platform.
Breach of these Terms;
Negligence, misconduct, or unlawful acts by you or your organisation.

Limitation of Reglu’s Liability

To the extent permitted by law, Reglu’s total liability in connection with your use of the Reglu Platform shall not exceed the total amount paid (but not more than USD 1,000, if permitted by law) by you to Reglu in the six (6) months preceding the incident giving rise to the claim.

All claims must be brought within one (1) year from the date you became aware (or should reasonably have become aware) of the issue.

This limitation does not apply in cases of:

Fraud or intentional misconduct;
Death or personal injury caused by Reglu’s negligence.

Force Majeure

Neither you nor Reglu shall be liable for failure to perform obligations due to events beyond reasonable control (e.g., natural disasters, war, legal restrictions, or government actions). If such an event lasts more than 60 business days, both parties agree to negotiate alternative solutions in good faith.

18. Disclaimer and No Warranties

While Reglu makes reasonable efforts to provide secure, reliable, and high-quality Services, all information and content provided through the Reglu Platform is made available on an “as is” and “as available” basis.

We do not guarantee that all information provided by third-party integrations, external data sources, or users will be complete, current, or error-free. Reglu is not liable for any inaccuracies, outdated content, or omissions, including those arising from maintenance, service interruptions, or system upgrades.

You acknowledge and agree that:

Reglu does not verify or guarantee the accuracy of information provided by third parties or other users of the Reglu Platform.
Any decisions you make based on content or materials accessed through the Reglu Platform are made at your discretion and risk.
Reglu is not responsible for any losses or damages resulting from reliance on Reglu Platform content, including financial data, investment insights, or user-submitted materials.

We specifically disclaim all warranties, express or implied, including but not limited to:

Warranties of merchantability or fitness for a particular purpose;
Non-infringement of intellectual property rights;
Continuous, error-free, or virus-free operation of the Reglu Platform;
Outcomes or results derived from using the Reglu Platform or Reglu Services.

We do not guarantee that the use of the Reglu Platform will be suitable for your circumstances, nor that access will be uninterrupted or fully secure at all times.

Downloading or using any materials from the Reglu Platform is done at your own risk. Reglu is not liable for any harm to your device, data, or systems that may result.

In using the Reglu Platform, you may encounter content or third-party materials that are inaccurate, incomplete, or inappropriate. Reglu does not endorse such content and assumes no responsibility for its accuracy or legality. Your use of the Reglu Platform implies acceptance of this risk.

19. Communication and Notices

We may send notices to you via email, User Account notifications, or our website. You are responsible for keeping your contact information up to date.

You may contact Reglu by email info@reglu.com or via the contact form on the Reglu website https://reglu.com/

20. Final Provisions

Acceptance of Terms

These Terms come into effect once you express your agreement during User Account registration and creation or payment on the Reglu Platform. Use of any Reglu Services constitutes acceptance of the most current version of these Terms.

Duration and Termination

These Terms remain in effect for as long as you use the Reglu Platform or until your User Account is terminated. Certain provisions, such as confidentiality, intellectual property, payment obligations, and liability, will continue to apply even after termination or User Account deactivation.

We may terminate or suspend your access for violations of these Terms. These Terms constitute the entire agreement and supersede all prior agreements. Invalid provisions will not affect the rest of the Terms.

Severability

If any part of these Terms is found to be invalid, unlawful, or unenforceable by a competent authority, the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, along with our Privacy Policy and any service-specific agreements, represent the entire understanding between you and Reglu. We may update these Terms from time to time. The latest version will always be published on the Reglu Platform, and it is your responsibility to stay informed of any changes.

No Partnership or Agency

Nothing in these Terms shall be construed as creating a joint venture, partnership, or agency relationship between you and Reglu. Neither party has the authority to bind or act on behalf of the other.

Assignment

You may not assign or transfer your rights or obligations under these Terms without prior written consent from Reglu. Reglu may assign its rights and obligations to its affiliates or successors without notice.

Governing Law and Jurisdiction

These Terms shall be governed by and interpreted by the laws of Singapore. In case of any disputes, both parties shall first attempt amicable resolution. If unresolved within thirty (30) business days, disputes shall be submitted to the courts of Singapore. The governing language of all proceedings shall be English.

Language

These Terms are written in English. If translated into another language, the English version shall prevail in the event of any inconsistencies.

Representation

By using the Reglu Platform, you confirm that you understand these Terms and agree to comply with them in good faith and accordance with applicable laws and industry best practices.