Umbrella+

Terms of Use

Last updated: May 2026 (v2.1)

1. Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of Umbrella+ (the "Platform"). By creating an account or using any part of the Platform, you agree to be legally bound by these Terms. If you do not agree, you must discontinue use immediately.

2. Eligibility and Account Responsibilities

You represent and warrant that you are at least 18 years of age and have the legal capacity to enter into binding agreements. You are responsible for the accuracy of information provided and for maintaining the confidentiality of your login credentials. You must promptly notify us of any suspected unauthorised access to your account.

3. Permitted Use

You agree to use the Platform only for lawful purposes and in accordance with these Terms. Permitted use includes:

  • For individual customers: managing your personal insurance information, uploading your policy documents, and granting access to authorised advisers or family members;
  • For financial advisers: accessing client policy information within the scope of an approved Connection, and using the Platform's tools to support client servicing activities in your professional capacity;
  • For any user acting on behalf of a connected party with that party's express authorisation (for example, a family member assisting an account holder).

The Platform provides two connection types: adviser connections and friend/family connections. Friend/family connections are intended for personal use by individuals known to the account holder. The Platform does not verify, validate, or take responsibility for the nature or purpose of any friend/family connection. Where a connected party uses data accessed through a friend/family connection for professional, commercial, or advisory purposes, that party is solely responsible for ensuring their use complies with all applicable professional, regulatory, and data protection obligations. Umbrella+ accepts no liability arising from the professional use of data accessed via a friend/family connection.

You shall not:

  • Upload documents for which you have no authority, other than documents uploaded with the express authorisation of the relevant account holder;
  • Access or attempt to access data without appropriate authority or Connection approval;
  • Attempt to reverse engineer, interfere with, or circumvent the security or functionality of the Platform;
  • Use the Platform for fraudulent, unlawful, or unauthorised commercial purposes.

4. Automated Processing and AI-Assisted Features

The Platform uses automated tools and AI-assisted processing to parse, extract, and structure information from documents you upload. This processing is performed within the scope of the purposes described in our Privacy Policy and the licence granted in Section 5 below. Umbrella+ does not warrant the accuracy or completeness of information extracted through automated processing. You are responsible for reviewing all parsed or extracted data and confirming its accuracy against your original documents.

The Platform also includes an AI-powered chat feature designed to help you organise and understand your insurance information. Outputs from this feature are informational only and do not constitute insurance, financial, legal, or professional advice. See Section 6 below.

5. User-Submitted Content

By submitting or uploading documents to the Platform, you confirm that you have all necessary rights and consents to do so. You grant Umbrella+ a limited, non-exclusive, non-transferable licence to store and process such documents solely for the purposes of delivering the Platform's features, including AI-assisted document parsing. This licence terminates upon deletion of the relevant document or your account, subject to any retention obligations under applicable law.

6. No Professional Advice

The Platform provides organisational tools, document storage, and informational summaries only. Umbrella+ does not provide insurance, financial, legal, or professional advice. In particular:

  • AI-generated summaries, parsed policy data, and chat agent responses are informational only and should not be relied upon as accurate, complete, or current;
  • Nothing in any chat agent output constitutes a coverage opinion, claims outcome prediction, or recommendation to take or refrain from any action;
  • The Platform does not verify the accuracy or completeness of parsed data against your original insurance documents. You are solely responsible for confirming the accuracy of information presented on the Platform against your original documents;
  • You remain solely responsible for all decisions made in connection with your insurance arrangements.

7. Adviser Obligations

Where you access the Platform as a financial adviser, you additionally represent, warrant, and agree that:

  • You hold all applicable licences and authorisations required under Singapore law to provide financial advisory services, including where applicable under the Financial Advisers Act;
  • You will access customer personal data only within the scope of an approved Connection and only for legitimate professional purposes related to that customer's insurance affairs;
  • You will handle all customer personal data accessed through the Platform in accordance with applicable data protection obligations, including the PDPA;
  • You will not retain, copy, or share customer personal data beyond what is necessary for the purposes of the approved Connection;
  • You acknowledge that your access to customer data is logged and auditable by the Platform, and that Connection revocation immediately terminates all access.

8. Connection and Consent Mechanics

The Platform operates a two-tier permission model for Connections between customers and advisers or family members:

  • Tier A (Connection Approved): approving a Connection grants the connected party visibility of certain policy metadata, as described in the Platform's help documentation. This access is granted upon the customer's approval of the Connection;
  • Tier B (Document Access): access to full policy documents requires a separate, explicit grant by the customer. This is distinct from Connection approval and must be actively confirmed by the customer;
  • The customer may revoke either tier of access at any time. Revocation takes immediate effect and terminates all related access, including any active sessions.

Only the customer side of a Connection may grant or revoke permissions at either tier.

9. Service Availability

We endeavour to maintain reliable access to the Platform but do not warrant uninterrupted, error-free, or virus-free operation. We may modify, suspend, or discontinue functionalities at our discretion. We will endeavour to provide reasonable notice of material changes to the Platform's features.

10. Limitation of Liability

To the maximum extent permitted under Singapore law, Umbrella+ shall not be liable for any indirect, consequential, special, incidental, or punitive damages arising out of or in connection with your use of the Platform, including reliance on AI-generated summaries, parsed policy data, or chat agent outputs.

Our total aggregate liability to you for any claim arising out of or in connection with these Terms or your use of the Platform shall not exceed the greater of: (a) the total fees paid by you to the Platform in the twelve months preceding the claim; or (b) SGD 50. Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, or any other liability that cannot be excluded under applicable law.

11. Termination

We may suspend or terminate your account if you breach these Terms, if required by law, or if we reasonably consider it necessary to protect the Platform or its users. You may request termination of your account at any time. Upon termination, your access to the Platform will cease and your personal data will be handled in accordance with our Privacy Policy.

12. Governing Law

These Terms are governed by the laws of Singapore. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the Singapore courts.

13. Contact

For matters relating to these Terms, please contact: contact@umbrellaplus.co