Terms

Who these terms cover

One platform, four kinds of account, and some clauses below apply only to one of them. A clause that names a shop is about a shop; a clause that names a register is about the insurance, property or fitness register.

If you are a licensed financial representative, the version of this service on youradvisor.sg publishes its own Terms of Service and its own Privacy Notice, written for you alone and cited by clause number. Where you have accepted those, they govern your use of that service and these terms do not displace them.

What you are agreeing to

These terms cover your use of Selza, a service operated by Atlas Agentic (UEN 53525496B), a business registered in Singapore. By creating an account you agree to them. We have kept them short and readable.

Your account

You are responsible for your account, the content you publish, and how you handle your own customers and their data. Keep your login secure and make sure what you sell is lawful where you sell it.

Who may use a register

The insurance register is for representatives licensed or otherwise authorised to carry on financial advisory business in Singapore. The property register is for salespersons registered with the Council for Estate Agencies. By opening one you confirm that you are, and that the registration number you publish is yours and is current.

You must tell us if you cease to be authorised. We may suspend an account where a number is withdrawn, or where we are told it is being used by someone who is not authorised.

An account is for one person. A firm or agency with several representatives needs one each, because the licence details, the client relationships and the audit record are per person and cannot honestly be shared.

The fitness register is not open. Joining its waitlist creates no account and no obligation on either side.

What a register is — and what it is not

A register answers questions from documents you have uploaded and approved, on channels you have connected. It is a tool you operate. It is not a financial adviser, an estate agent or a medical provider, and it does not give advice.

You remain the adviser or agent of record for every client. Nothing the service produces is a recommendation, a suitability assessment, a needs analysis, a coverage decision or a claim outcome, and it is built to stop rather than produce one. Where it presents held cover against published planning benchmarks, that is information for you and never a recommendation to your client.

You are responsible for what reaches your clients. The service will not send a document to a client until you have cleared it, and it will hand a question to you rather than answer it where the question calls for advice — but the judgement about what your client should do stays yours.

We are not affiliated with or endorsed by MAS, CEA, ACRA, MOH, SingStat, MOM or the CPF Board. Where a figure is quoted it is quoted from the body that publishes it, with a link to their own page.

What it costs

• Selza is free to use. You can run your whole shop on it — unlimited orders and customers — and no card is needed to sign up.
• There is a 0% platform fee on your sales, including orders the Discover marketplace brings you. You pay only standard Stripe processing when a customer pays you, and that goes to Stripe, not to us.
• We do not hold a payment card for you, so nothing can be charged to you by surprise. If we introduce a paid feature in future we will tell you before it applies to your account, and you can decline it.

What a register plan costs

• S$19.99 per person per month, whichever register you are on. Exclusive of GST where it applies.
• A new account runs free for 14 days. We do not take a card when you sign up, and nothing is charged automatically without your agreement.
• When a trial ends nothing is charged. The workspace drops to the free tier and keeps working: your clients, your page and your booking link all stay up. The free tier fences three things — the assistant answers up to 150 client messages a month, 60 minutes of meeting audio a month, and composing a new deck in Present. A deck you have already built keeps opening whatever your plan says afterwards.
• 0% on your own transactions, on every plan and every register.
• We will give at least thirty days' notice before a price change, and it will never apply to a period you have already paid for.

Acceptable use

Use Selza for genuine, lawful selling. Don't use it for fraud, abuse, or anything that breaks the law or the rules of the chat and payment platforms you connect.

How you may not use a register

• To hold or process data you have no lawful basis to hold.
• To send marketing to a Singapore number without your own Do Not Call screening.
• To present the assistant as a person, or to remove or obscure the notice telling a client they are speaking to one.
• To carry on any regulated activity you are not authorised to carry on.
• To attempt to reach another workspace's data, to probe the service's security other than by agreement with us, or to resell access.

The AI teammate

The AI is assistive. It drafts replies and proposals grounded in your own FAQ, catalogue and order history, and anything that touches money — refunds, discounts, reschedules — is a proposal until you approve it. You remain responsible for what is sent to your customers.

Your documents and your content

You keep ownership of everything you upload. You give us the permission we need to store it, index it and use it to answer your clients' questions — and nothing beyond that.

You must have the right to upload what you upload. Insurer product summaries and brochures, and a listing's own particulars, are usually distributed for exactly this purpose; material marked internal or restricted usually is not, and it is your call to make, not ours.

We do not use your documents or your clients' conversations to train models, and the providers we use are engaged on terms that say the same.

Client data

Client personal data on a register is governed by the Data Processing Terms, which you accept separately in the product. In short: your firm decides what happens to it and we act on your instructions; most obligations under the PDPA — consent, purpose, accuracy, and your own regulatory record-keeping — stay with you, and those terms say precisely which are ours. Where they and these terms conflict on the handling of client personal data, the Data Processing Terms win.

Stopping

You can close your account at any time and export your conversations, documents and audit record on the way out. We will not hold your data hostage to a notice period.

We may suspend or close an account for a serious or repeated breach of these terms, for non-payment after we have asked, or where we are required to. Except in an emergency we will tell you first and give you a chance to put it right.

Availability and liability

We work hard to keep Selza reliable, but the service is provided on an as-is basis and we can't guarantee it will never be interrupted. To the extent the law allows, our liability is limited to the fees you paid us in the previous 12 months.

What we do not promise

We provide the service with reasonable care and skill. Beyond that, and to the extent the law allows, we do not give warranties — in particular we do not warrant that an answer drawn from your documents will be free of error, which is why every answer carries what it was based on and why the service is built to stop rather than guess.

We are not liable for a regulatory consequence that follows from your own obligations as a representative or an agent — the fact-find, the needs analysis, the disclosure and the record-keeping are yours, and the clause on what a register is not says why.

Nothing in these terms limits liability that cannot lawfully be limited, including for death or personal injury caused by negligence, or for fraud.

Changes and contact

We may update these terms as the product evolves; we'll keep this page current. These terms are governed by the laws of Singapore. Questions? Email hello@selza.app.