Terms of Service
These terms are the agreement between you and SALARIED BOTS PTE. LTD. (“Espresso”, “we”) for your use of the Espresso website, dashboard and Maya, our AI assistant on WhatsApp. By creating an account or using Espresso you agree to them. If you do not agree, please do not use Espresso.
1. Who we are
Espresso is run by SALARIED BOTS PTE. LTD. (UEN 202618032Z). You can write to us at hello@espresso.insure or through our contact page.
2. What Espresso is, and what it is not
Espresso is software for licensed financial advisers in Singapore. It keeps track of an adviser’s clients and policies, and Maya, an AI assistant, helps with premium and renewal reminders, answering questions from the client’s own policy records, and gathering documents and details for claims.
Espresso is not a financial adviser, an insurer or an insurance intermediary. Neither Espresso nor Maya gives financial advice or recommends products. Maya is an AI assistant and not a person; her answers can be wrong. You, the adviser, remain responsible for the advice you give, for everything you send to your clients, and for complying with the rules that apply to you.
3. Who can use it
Espresso is for people who are licensed or appointed to advise on or sell insurance in Singapore, and who are 18 or over, using it for their own practice. You confirm that the details you give us are true, and that you have authority to use Espresso for your practice.
4. Your account
Keep your password secret and tell us at once if you think someone else has used your account. You are responsible for what is done through your account. One account is for one adviser.
5. Your responsibilities as an adviser
- Your regulatory duties stay yours. Follow the Financial Advisers Act, the notices and guidelines of the Monetary Authority of Singapore, and your principal’s requirements. Review what Maya prepares before relying on it, and step in where a matter needs your judgement.
- Your clients’ data and consent. Before you put a client’s details into Espresso, make sure you are allowed to, and that you have told the client why and how their data is used (our Privacy Policy can help). Tell each client that Maya is an AI assistant, and get their agreement before Maya messages them on WhatsApp. Keep a record of that agreement, and respect it at once when a client asks to stop.
- No spam, no misuse. Use Espresso only for the service messages it is built for (policies, renewals, premiums, claims and documents), not for marketing, bulk or unsolicited messages. Follow the law on messaging people, including the Do Not Call rules, and the WhatsApp Business Messaging Policy.
- Accurate and lawful. Do not put in data you have no right to use, do not upload anything unlawful or harmful, and do not try to get around the limits or security of Espresso or reverse engineer it.
6. WhatsApp and other services we rely on
Maya works through the WhatsApp Business Platform from Meta, and Espresso relies on other providers (see our Privacy Policy). Their terms and policies apply to their part, and a change or a suspension on their side can affect the service. We do not promise that a message will be delivered. If a message breaks WhatsApp’s rules, or the law, we may block it or suspend messaging. More on how we use WhatsApp: WhatsApp messaging.
7. The free trial, plans and fees
You can try Espresso free for 14 days without a credit card. When the 14 days are over, your account is paused until you choose a plan: Maya stops answering your clients, renewal reminders stop, and the dashboard asks you to choose a plan. We do not delete anything because a trial has ended.
Our paid plans, what each includes (such as the number of clients and of Maya replies a month) and their prices are shown on our website and in Settings. Prices are in Singapore dollars and before any tax; GST or any other tax is added where the law requires it.
- Paying. You pay by card through Stripe, our payment provider: your card number goes to Stripe, not to us. A paid plan renews every month and is charged in advance. If you choose a plan during your free trial, the first charge is on the day the trial ends.
- Extra Maya replies. Each plan includes a number of Maya replies a month (a reply is one message Maya sends to one of your clients, and every answer counts). If your clients use more than your plan includes, Maya keeps answering. The extra replies are charged in packs, at the price shown on our website and in Settings, and are added to your next invoice.
- Cancelling. You can cancel at any time in Settings (Manage billing). The plan then runs to the end of the month you have paid for and does not renew. We do not refund a month that has already begun, unless the law requires it or we agree otherwise.
- A payment that fails. We tell you in the dashboard, and Stripe tries the card again. Your account keeps working for 7 days after the first failure; after that it is paused until the payment is made.
- Changing plan or price. You can change plan in Settings (Manage billing). If we change the price of your plan, or what it includes, we will tell you before the change takes effect (see section 13), and you can cancel before it does.
An account that is paused (because a trial or a plan has ended, or a payment has not been made) works again as soon as a plan is chosen or the payment is made. You can stop using Espresso at any time.
8. Your data
The data you put into Espresso remains yours, and your clients’ data remains under your control. You give us permission to use it only to provide Espresso to you, as our Privacy Policy describes. We do not sell it. On request we will give you a copy, and when an account is closed we keep the data for 30 days and then delete it or make it anonymous.
9. Ownership of Espresso
Espresso, including the software, Maya, the design and the content we create, belongs to us or our licensors. You may use it as these terms allow. If you give us feedback, we may use it freely to improve Espresso.
10. Suspending or ending the service
You can close your account at any time by telling us. We may suspend or close an account if you break these terms, if we need to for security, if the law or a provider such as Meta requires it, or if the account is unused. Where we reasonably can, we will tell you first. An account is also paused when a free trial or a paid plan ends, as section 7 describes.
11. Our promises, and their limits
We work to keep Espresso available and accurate, but it is provided “as is” and “as available”. To the extent the law allows, we give no warranty that it will be uninterrupted or error-free, and we are not responsible for decisions made or advice given on the strength of anything Maya or Espresso produced. To the extent the law allows, our total liability to you for anything arising from Espresso is limited to the fees you paid us in the 12 months before the claim (or SGD 100 if you have paid nothing), and we are not liable for indirect or consequential loss, or for lost profit or business. Nothing in these terms limits liability that cannot be limited by law.
12. If something you did causes us a claim
If a claim, fine or loss against us comes from your breach of these terms, or from data or messages you put through Espresso without the right to do so, you agree to cover our reasonable costs of dealing with it.
13. Changes
We may change Espresso and these terms. If a change matters, we will tell you by email or in the dashboard before it applies. If you keep using Espresso after the date given, you accept the new terms.
14. The law that applies
These terms are governed by the law of Singapore, and the courts of Singapore have exclusive jurisdiction. If part of these terms cannot be enforced, the rest still applies. Only you and we have rights under these terms.
15. Contact
Questions about these terms: hello@espresso.insure.