Licence. One company, unlimited internal use. You may edit the files for your own company. You may not resell, share publicly or redistribute them.

Refunds. Skills are delivered instantly, so purchases are final once the download is opened. If a kit does not work as described, email us within 14 days and we will fix it or refund you.

Upgrades. A one-off kit purchase and the one-off customisation service cover the version delivered on the day. Later skill upgrades (updated SKILL.md, references and templates) are included only with the Finance Skills Plan or HR Skills Plan while the plan is active.

Plans. The Finance Skills Plan is S$99 a month and the HR Skills Plan S$59 a month, billed by card until you cancel. Cancel any time in your account; access continues to the end of the paid month. Downloads made during the plan stay usable under the same one company licence. Customisation is not included in a plan.

Customisation. Delivered within 7 days of receiving all the documents we ask for. First revision free; further revisions S$120 each. Customisation fees are refundable in full until work starts.

Not professional advice. Skills are general reference tools for Singapore businesses. Review every output before use and take legal or tax advice for contested or high value matters.