By downloading, installing, accessing, or using the AVI application (the "Application") operated by Soon Duan Zhi Benedict (the "Operator", "we", "us", or "our"), you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions ("Terms"), which constitute a legally binding agreement between you and the Operator. Your continued use following any modifications constitutes acceptance of the updated Terms. These Terms apply to all versions of the Application, including any updates or new features.
To use the Application, you must: be at least 18 years of age; be a resident of Singapore or use Singapore-issued credit or charge cards; have the legal capacity to enter into these Terms; not be prohibited from using the Application under any applicable law; and, if using it on behalf of an organisation, have authority to bind that entity. The Operator reserves the right to verify eligibility and to suspend or terminate your account if we have reason to believe you do not meet these requirements.
AVI is a personal finance management tool designed to help users track credit card spending, view estimated miles earned per card, set miles-earning goals, and monitor loyalty programme balances. The Application provides informational and organisational features only.
The Application is offered on a freemium basis: a Free Tier (basic expense tracking and miles calculation) and a Premium Tier (access to the Miles Optimiser, personalised card recommendations, Points Intelligence feed, and other enhanced features, available via a paid subscription). The Operator reserves the right to modify, limit, or discontinue any feature at any time with reasonable notice.
Miles earn rates, bonus categories, earning caps, spending thresholds, promotional rates, foreign currency multipliers, and other card terms displayed are based on publicly available information sourced from time to time. Card terms change frequently and without notice. All miles displayed are estimates only and may differ materially from the miles actually credited by your card issuer.
Nothing in the Application — whether a card recommendation, miles optimisation suggestion, spending analysis, or any other feature — constitutes financial advice, investment advice, a recommendation to apply for or cancel any credit product, or legal or tax advice. Any recommendations are generated algorithmically and presented for illustrative purposes only.
Before making any financial decision based on the Application — including before applying for any credit card — you must independently verify all relevant information directly with your card issuer, bank, or a qualified financial adviser (current earn rates, caps, exclusions, fees, interest rates, eligibility, promotional terms, and miles expiry/redemption terms).
The Operator is not responsible for, and expressly disclaims all liability in connection with: any credit card application you submit; any approval or rejection by any card issuer; any fees, charges, or interest arising from any credit card you obtain; any negative impact on your credit score; or any financial loss, missed miles, or lost loyalty points arising from your reliance on information in the Application.
Certain features use algorithms and automated logic to generate personalised outputs such as card recommendations, spending insights, and miles optimisation suggestions. You acknowledge that these outputs are provided for informational purposes only, may be inaccurate, incomplete, outdated, or unsuitable for your circumstances, and are not a substitute for independent financial advice. Any AI-powered features introduced in future are subject to the same disclaimers.
The Application may display links (e.g., "Apply Now") that direct you to credit card issuer websites or comparison platforms including SingSaver and MoneySmart ("Partner Platforms"). The Operator may receive a referral commission or affiliate fee if you click through and subsequently apply for a product. The receipt of such commissions does not influence the Operator's card data, earn-rate calculations, or algorithmic logic — the Application does not rank or suppress cards based on commission arrangements. When you click through to a Partner Platform you leave the Application, and the Operator does not share your personal data with card issuers or Partner Platforms as a result.
The Application relies entirely on data that you enter manually. You are solely responsible for the accuracy, completeness, and currency of all transaction data, card details, and loyalty balances you enter, and for ensuring that the cards and categories you configure reflect your actual holdings and spending. The Operator is not responsible for errors in the Application's outputs that arise from incorrect or outdated data entered by you.
All intellectual property rights in and to the Application — including the software code, algorithms, user interface designs, graphics, text, the brand name "AVI", logo, and all Operator-created content — are owned by or licensed to the Operator and protected by Singapore copyright, trademark, and other applicable laws.
Subject to your compliance with these Terms, the Operator grants you a limited, non-exclusive, non-transferable, revocable licence to download and use the Application on your personal device solely for your personal, non-commercial use.
You may not copy, modify, translate, or create derivative works of the Application; reverse engineer, decompile, or attempt to derive its source code; sublicense, sell, or commercially exploit it; or remove any proprietary notices.
Card issuer names, bank names, loyalty programme names, and other third-party brands referenced in the Application are the property of their respective owners and are used solely for identification and informational purposes; such use does not imply endorsement or affiliation.
You must not use the Application for any unlawful or prohibited purpose, including to: use any automated tool, script, bot, or scraper to access or extract data; attempt to gain unauthorised access to any part of the Application or its servers; transmit malware or harmful code; engage in fraud, money laundering, or identity theft; misrepresent your identity; interfere with the integrity or performance of the Application; or circumvent any access controls or subscription restrictions. The Operator may immediately suspend or terminate your account and take legal action for any prohibited use.
Access to Premium features requires a paid subscription. Plans, pricing, and billing cycles are as displayed within the Application from time to time.
All subscription payments are processed exclusively through Apple Inc.'s App Store (iOS) or Google LLC's Google Play Store (Android). The Operator does not directly process, collect, or store any payment card information.
Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the period ends. You are responsible for managing your subscription and cancellation through your App Store account settings.
If a free trial is offered, the terms will be stated at sign-up. Unless you cancel before the end of the trial, your subscription will convert to a paid subscription at the conclusion of the trial.
Refunds are subject to the refund policy of the applicable App Store. The Operator does not offer independent refunds outside of what is provided by the App Stores.
The Operator reserves the right to change subscription pricing at any time. Price changes will not affect active subscription periods already paid for but take effect at the next renewal, with reasonable advance notice of material changes.
You may delete your account at any time through the Account settings within the Application. Upon deletion, your personal data will be deleted in accordance with our Privacy Policy. Deleting your account does not automatically cancel your subscription; you must separately cancel through your App Store account settings.
The Operator may, at its sole discretion and without prior notice, suspend or terminate your access and delete your account if you breach these Terms, engage in any prohibited use, provide false information, or where required by law, or if the Operator discontinues the Application. Where practicable, reasonable notice will be given except where immediate action is necessary.
Upon termination: your licence immediately terminates; you must cease all use of the Application; and provisions that by their nature should survive — including Sections 4, 8, 12, 13, and 14 — shall continue in full force and effect.
This Section contains critical limitations on the Operator's liability. Please read it carefully as it significantly affects your legal rights.
The Application is provided on an "as is" and "as available" basis. To the fullest extent permitted by Singapore law, the Operator disclaims all warranties, whether express, implied, or statutory, including merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, or that the Application will be uninterrupted or error-free.
To the fullest extent permitted by Singapore law, the Operator shall not be liable for: any inaccuracy in miles calculations or card earn-rate information; any miles you fail to earn or loyalty points you lose through reliance on the Application; any financial loss arising from any credit application or product you obtain; any loss or corruption of data; any loss arising from interruption or termination of the Application; or any indirect, incidental, special, consequential, punitive, or exemplary loss.
To the fullest extent permitted by Singapore law, the Operator's total cumulative liability shall not exceed the lesser of: the total subscription fees you paid in the twelve (12) months preceding the claim; or Singapore Dollars one hundred (SGD 100.00). For a free-tier user who has paid no subscription fees, the Operator's maximum liability is SGD 0.
Nothing in these Terms excludes or restricts the Operator's liability for death or personal injury caused by gross negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded under Singapore law, including rights under the Consumer Protection (Fair Trading) Act (Cap. 52A).
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Operator and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: your use of or inability to use the Application; your breach of these Terms; any data you enter or transmit; any third-party claim arising from your use; your violation of any law; or your infringement of any third-party rights.
These Terms and any dispute arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law provisions.
You irrevocably submit to the exclusive jurisdiction of the courts of the Republic of Singapore to settle any dispute or claim arising out of or in connection with these Terms.
Before initiating formal legal proceedings, you agree to first contact the Operator and attempt to resolve the dispute informally, in good faith, within 30 days of initial notification.
The Operator reserves the right to update, modify, or replace these Terms at any time. Where changes are material, at least fourteen (14) days' notice will be given prior to the changes taking effect, via an in-application notification, a push notification, or an email to the address associated with your account. Your continued use after the effective date constitutes acceptance of the updated Terms.
Entire Agreement: these Terms, together with the Privacy Policy, constitute the entire agreement between you and the Operator and supersede all prior agreements. Severability: if any provision is held invalid, it shall be modified to the minimum extent necessary or severed, and the remaining provisions continue in full force. Waiver: failure to enforce any right is not a waiver of it. Assignment: you may not assign your rights without the Operator's consent; the Operator may assign these Terms without restriction. Force Majeure: the Operator is not liable for failure or delay due to circumstances beyond its reasonable control. Language: these Terms are in English, which prevails over any translation.
Soon Duan Zhi Benedict
Operating as: AVI
Email: support@aviappsg.com
Singapore
We will endeavour to respond to all enquiries within five (5) business days.