Terms · Cancellation · Privacy

Mockbird (模考鸟) is a brand operated by HORHORCHI CHINESE FLAVOUR PTE. LTD., a company incorporated in Singapore with UEN 202304437W (the Company, we or us). These Terms form a contract between you and the Company. The Company is the seller and is responsible for the Service, collection of payments, activation, receipts, cancellations and personal data. Mockbird is the service brand, not a separate contracting entity.

Mockbird（模考鸟）是 HORHORCHI CHINESE FLAVOUR PTE. LTD.（新加坡注册公司，UEN 202304437W，下称本公司或我们）运营的品牌。本条款构成你与本公司之间的合同。本公司是卖方，负责服务、收款、开通、收据、取消及个人资料处理。Mockbird 是服务品牌，并非独立的合同主体。

These Terms, the Cancellation and Refunds policy and the Privacy Policy are available in English and Chinese. Both versions are intended to convey the same meaning. If there is an inconsistency, the English version prevails only to the extent that doing so does not exclude any right that cannot lawfully be excluded.

服务条款、取消与退款政策及隐私政策提供英文和中文版本，两种版本旨在表达相同含义。如有不一致，以英文版为准，但以该适用不会排除任何依法不得排除的权利为限。

Your purchase gives you a personal, non-transferable right to use the purchased content and features online, within the term and usage limits shown when you order. It does not transfer copyright or permit bulk downloading, copying, redistribution, resale or account sharing, except where applicable law permits otherwise. Our original content is owned by the Company or its licensors; third-party rights remain with their owners. A membership is for the examination named at checkout only. The RES 1A + RES 2A bundle is one subscription that covers both examinations for the same term. The coaching add-on is bought per examination: each add-on applies only to the examination named at checkout (the RES 1A + RES 2A coaching bundle is one subscription covering both examinations for the same term), and can be used only while you also hold an active membership for that examination.

购买后，你获得在下单时显示的期限及用量限制内，本人使用所购在线内容和功能的不可转让许可。购买不转移著作权，也不许可批量下载、复制、再分发、转售或共享账号，适用法律另有允许的除外。原创内容归本公司或其许可方所有，第三方权利仍归各权利人所有。会员只覆盖结账时标明的那一门考试；RES 1A + RES 2A 打包是一个订阅、同一期限同时覆盖两门。定制私教团按考试购买：每份私教团只用于结账时标明的那一门考试（RES 1A + RES 2A 打包私教团为一个订阅、同一期限同时覆盖两门），并且只在你同时持有该考试的有效会员时可用。

An account is for one person. Keep your sign-in details private and tell us if you suspect unauthorised use. We use access controls, usage limits and account watermarks to protect content. We do not provide question-bank downloads or claim that screenshots can be made technically impossible. A watermark may identify your account if you share a screenshot.

一个账号仅供一人使用。请保管好登录资料，发现疑似未经授权的使用时联系我们。我们通过访问控制、用量限制和账号水印保护内容。不提供题库下载，也不声称能从技术上完全阻止截屏。你分享的截图中的水印可能识别到你的账号。

Mockbird has no affiliation with, authorisation from or endorsement by IBF, MAS or any examination body. Our questions are original practice questions, not actual examination questions. We do not promise an examination pass, a particular score, topic coverage in your examination or a match with actual examination questions.

Mockbird 与 IBF、MAS 或任何考试管理机构无隶属关系，未获其授权或认可。站内题目是原创模拟题，并非考试真题。我们不承诺通过考试、取得特定分数、某个考点出现在考试中，或模拟题与考试真题一致。

We use reasonable care when preparing content, but errors, omissions and outdated information may occur. This is supplementary material and does not replace the current official syllabus, study guide or examination rules. Mastery scores, pacing analysis and recommendations are estimates, not predictions of examination performance. Content is not financial, investment, legal or other professional advice and should not be used to advise clients or make investment decisions. Please report suspected errors to us.

我们会以合理谨慎的方式制作内容，但仍可能出现错误、遗漏或过时信息。本服务属于辅助学习材料，不能替代最新官方大纲、学习指南或考试规则。掌握度、节奏分析和推荐属于估算，并非考试表现预测。内容不构成金融、投资、法律或其他专业意见，不应用于向客户提供建议或作出投资决策。发现疑似错误时，请向我们反馈。

Coaching, planning and explanation features are software and AI tools. They do not include one-to-one human tutoring unless expressly agreed in writing. AI responses can be inaccurate; check important points against current official materials. These qualifications do not remove our responsibility to deliver the product described in your order or any remedy for misleading statements, material breach or other liability that cannot lawfully be excluded.

陪练、规划及讲解功能由软件和 AI 提供。除非另有明确书面约定，否则不包含真人一对一辅导。AI 回复可能不准确，重要内容请对照最新官方资料核实。这些说明不免除我们按订单描述交付产品的责任，也不排除因误导陈述、重大违约或其他依法不得排除的责任产生的救济。

Payments are processed by Stripe, our payment service provider, and are collected by the Company. We accept cards (including Apple Pay and Google Pay where available), PayNow and GrabPay, in Singapore dollars. Stripe handles your card, wallet or bank details; we do not receive or store full card numbers or banking credentials. Access is activated automatically once Stripe confirms the payment, normally within minutes. If access is missing or incorrect after a confirmed payment, contact us and we will correct it.

付款由我们的支付服务商 Stripe 处理，款项由本公司收取。我们接受以新加坡元支付的银行卡（在可用时包括 Apple Pay 与 Google Pay）、PayNow 及 GrabPay。银行卡、钱包或银行资料由 Stripe 处理，我们不接收也不保存完整卡号或银行登录凭据。Stripe 确认付款后系统自动开通，通常在几分钟内完成。付款已确认但权限缺失或不正确的，请联系我们予以更正。

Before paying, check the product, term, total price, any upgrade credit and the renewal arrangement shown at checkout. Memberships are sold in one-month terms; a two-month term bought on or before 9 October 2026 continues until it ends. A one-month term runs for one calendar month and a two-month term for two calendar months from activation; for card subscriptions, the billing period confirmed by Stripe applies. The coaching add-on is bought per examination, one calendar month at a time, at the add-on price shown on the pricing page for that examination (or bundle). Buying and using it requires an active membership for that examination; the coaching bundle requires the RES 1A + RES 2A bundle membership. Its renewal date may differ from your membership. A single-examination add-on can be upgraded to the coaching bundle during its term: the unused value of the paid single add-on is credited against the bundle price and the new term starts at that time. The credit is limited to the amount you actually paid and capped at the bundle price; any excess is not refunded or carried over, and each upgrade costs at least S$0.50. On upgrading, the single-examination add-ons end and their automatic renewals are cancelled. An early-bird free month, or an add-on activated without payment, carries no credit, and an add-on cannot be upgraded during its free month. The coaching bundle cannot be changed back to a single examination; you can buy a single add-on after the bundle term ends. An upgrade takes effect immediately: the unused value of your current paid term is credited against the new price and the new term starts at that time. A downgrade or a shorter term takes effect when your current paid term ends, and nothing is charged for it before then. One-off question credits and single mock papers do not renew.

付款前请核对结账页显示的产品、期限、总价、升级折抵及续费安排。会员按月购买；2026 年 10 月 9 日（含）之前购买的 2 个月期限照常用到期满。1 个月期限自开通起计一个日历月，2 个月期限计两个日历月；银行卡订阅以 Stripe 确认的计费周期为准。私教团按考试加购，每期一个日历月，价格以定价页所示该考试（或打包）的私教团月价为准。购买及使用时须持有该考试的有效会员；打包私教团须持有 RES 1A + RES 2A 打包会员。私教团的续费日可能与会员不同。单门私教团可在期限内升级为打包私教团：已付单门私教团当期未使用部分的价值折抵打包价，新期限自升级时起算。折抵以你实际支付的金额为限，并以打包价为上限，超出部分不予退还、不予顺延；补差价每次最少 S$0.50。升级时原单门私教团即告结束，其自动续费一并取消。早鸟赠送的免费月及未经付款开通的私教团不计折抵，免费月内不能升级。打包私教团不能改回单门，可于当期届满后另行购买。升级立即生效：当前已付期限的未使用价值折抵新价格，新期限自升级时起算。降级或缩短期限自当前已付期限届满时生效，在此之前不就其扣款。一次性题目积分及单套全真卷不续费。

Automatic renewal. Memberships and add-ons paid by card renew automatically at the end of each term for the same plan and term length, and your card is charged the renewal price then in effect (see Price changes below), until you cancel. For purchases paid by PayNow or GrabPay, we email a renewal invoice about three days before the term ends; the term renews only if you pay that invoice, and if you do not, the plan simply ends and nothing is charged. Price changes: we may change our prices, and a new price applies to new purchases straight away. For existing automatic renewals (card subscriptions, PayNow or GrabPay renewal invoices, and a gifted add-on after its free month), a price reduction applies from your next renewal, without notice, including a renewal invoice already issued but not yet paid. A price increase applies only to renewals starting on or after the date stated in our email, which is at least 7 full days after we send it: a renewal due before that date is charged or invoiced at the old price, and the new price applies from the following renewal. The email states the item, the old and new price, the date from which the new price applies and how to cancel. You can cancel automatic renewal on your Account page at any time before the new price applies; the period you have already paid for is not affected. If we change the price again before an increase applies, the latest price governs: if it returns to your current price, the increase is withdrawn; if it is a different increase, we send a new notice and the 7 days start again. Where you bought Elite at the Pro price under a sales code, your Elite renewal continues at the Pro price then in effect. Each examination's (or the bundle's) add-on renews, and can be cancelled, separately. When a membership is not renewed or ends, automatic renewal of the add-on covering only that examination stops as well, and that add-on can be used only until the membership ends.

自动续费：以银行卡支付的会员及私教团，每期届满时按相同方案和期限自动续费，并按届时适用的续费价格扣款（见下文价格调整），直至你取消。以 PayNow 或 GrabPay 支付的，我们会在期限届满前约 3 天通过邮件发送续费账单；只有你支付该账单才会续期，不支付则方案到期自动结束，不产生任何扣款。价格调整：我们可调整价格，新价格立即适用于新购买。对已有的自动续费（银行卡订阅、PayNow 或 GrabPay 续费账单，以及早鸟赠送的私教团免费月结束后转为付费的），降价从你的下一次续费起适用，无需事先通知，已开出但尚未支付的续费账单亦按新价；涨价只适用于通知邮件所写日期当天及之后开始的续费，该日期距邮件发出至少满 7 天；在该日期之前到期的那一次续费仍按原价扣款或开具账单，下一次续费起按新价。通知邮件会写明项目、原价与新价、新价格的适用日期以及取消方法。新价格适用前，你可随时在「我的」页取消自动续费，已支付的期限不受影响。涨价适用前价格再次调整的，以最新价格为准：恢复为你现在的价格的，该次涨价撤回；调整为其他涨价的，我们重新发出通知并重新计算 7 天。你凭销售分享码按达人价购买精英会员的，精英续费继续按届时的达人价计。每门考试（或打包）的私教团分别续费、分别取消。某门考试的会员不再续期或结束时，只覆盖该门考试的私教团的自动续费一并停止，并且只可使用至该会员到期为止。

Early-bird gift. For each examination, the first 30 customers to buy a membership for that examination (or the number of places shown on the pricing page) receive that examination's coaching add-on free for the first month. The gift is added automatically with the membership; there is no box to tick. Each person receives the gift once per examination: you can receive it once for each examination, but not twice for the same examination. A bundle purchase takes a place in both RES 1A and RES 2A: if both qualify, you receive the RES 1A + RES 2A coaching bundle free for the first month; if one of them was gifted before or has no place left, you receive the add-on for the other examination only. Internal and test accounts do not take places. Unless you cancel before the free month ends, the gifted add-on then renews automatically every month at that add-on's renewal price then in effect (the price shown when you bought the membership, subject to Price changes above): by the same card for card purchases, or, for PayNow or GrabPay purchases, by a renewal invoice that renews the add-on only if you pay it. If that add-on is already renewing when you receive the gift, its next charge or invoice moves one month later instead. We email you about three days before the free month ends. You can cancel at any time on your Account page; if you cancel during the free month, you keep it until it ends and nothing is charged. If the purchase that earned a place is refunded or reversed, the early-bird benefit from that purchase is void, without affecting any other examination: the free month ends, the renewal arrangement returns to what it was before the gift (a renewal set up for the gift is cancelled without charge), and the place is released to the next buyer. If the gift had not yet turned into a paid add-on when it was voided, you can receive it again on a later membership purchase for that examination while places remain.

早鸟赠送：每门考试前 30 名购买该考试会员的客户（以定价页显示的名额为准），获赠该考试的定制私教团首月免费。赠送随会员自动开通，无需勾选。每门考试每人限赠一次：同一个人在不同考试可各获赠一次，同一门考试不重复赠送。打包购买在 RES 1A、RES 2A 两门考试各占一个名额：两门均符合获赠条件的，赠送 RES 1A + RES 2A 打包私教团首月免费；其中一门此前已获赠或已无名额的，只赠送另一门考试的私教团首月免费。内部及测试账号不占名额。除非你在免费月结束前取消，获赠的私教团此后按该私教团届时适用的续费月价每月自动续费（即购买会员时显示的月价，如有调整按上文价格调整处理）：以银行卡购买的，由同一张卡扣款；以 PayNow 或 GrabPay 购买的，我们发送续费账单，只有你支付该账单才会续期。获赠时该私教团已在自动续费的，改为将其下一次扣款或账单顺延一个月。免费月结束前约 3 天，我们会发邮件提醒。你可随时在「我的」页取消；在免费月内取消的，免费月照常用到期满，不产生任何扣款。赢得名额的那笔购买如被退款或撤销，该笔购买带来的早鸟权益即告作废，其他考试的早鸟权益不受影响：免费月结束，续费安排恢复到获赠之前（为赠送设置的自动续费予以取消，不产生扣款），名额释放给下一位购买者。作废时赠送尚未转为付费的，你之后再购买该考试会员时，可按剩余名额重新获赠。

Cancellation. You can turn off automatic renewal at any time on your Account page. Cancelling stops future charges; you keep access until the end of the term already paid for, and purchases are final and cancelling does not create a right to a refund of amounts already paid, except as set out in the Cancellation and Refunds policy or required by applicable law. If a renewal charge fails, Stripe may retry it for a limited period and we will email you so that you can update your payment method; access is not extended unless the renewal is paid. You can update your card and view invoices through the payment management link on your Account page.

取消：你可随时在「我的」页关闭自动续费。取消后不再产生后续扣款，已付期限内照常使用至届满；购买后不退款；除「取消与退款」政策所列情形或适用法律另有规定外，取消不产生就已付款项的退款权。续费扣款失败时，Stripe 可能在有限期间内重试，我们会发邮件提醒你更新付款方式；续费未付款成功的，不延长使用期。你可通过「我的」页的付款管理入口更新银行卡及查看发票。

Credential sharing, bulk extraction, scraping, unauthorised redistribution and attempts to bypass access controls are prohibited. We may restrict or suspend access where there is reasonable evidence of misuse, after appropriate enquiry and with a response proportionate to the issue. Where urgent action is necessary to protect accounts, content or the Service, we may impose a temporary restriction first and explain it as soon as reasonably practicable.

禁止共享登录资料、批量提取或抓取内容、未经许可再分发，以及绕过访问控制。有合理证据表明存在滥用时，我们可在适当调查后采取与问题严重程度相称的限制或停权措施。为保护账号、内容或服务而需要紧急处理时，可先作临时限制，并在合理可行的情况下尽快说明。

We will explain the reason and provide a way to respond through our support email, subject to lawful security or investigation restrictions. Suspension does not automatically forfeit all payments. Any termination decision, and any repayment required by law, will take account of the evidence, your explanation, the affected purchase and applicable law. We will correct a mistaken restriction and address lost paid access appropriately.

在不违反合法安全或调查限制的前提下，我们会说明理由，并提供通过客服邮箱申辩的渠道。停权不意味着自动没收全部已付款项。终止服务的决定，以及依法应退还款项的处理，将结合证据、你的说明、受影响订单和适用法律作出。误停权会予以纠正，并妥善处理因此损失的付费使用时间。

Subject to the exclusions below and any applicable requirement of reasonableness, the Company's aggregate liability arising out of or in connection with the Service, whether in contract, tort (including negligence), misrepresentation or otherwise, is limited to the greater of (a) the fees you paid for the affected Service in the 12 months immediately before the event giving rise to the claim and (b) S$500. This is an aggregate limit, not a separate limit for each claim, and applies only to the extent permitted by law.

在下列例外及适用的合理性要求约束下，本公司因本服务产生或与其有关的累计总责任，无论基于合同、侵权（包括过失）、虚假陈述或其他依据，限于以下两者中的较高者：（a）引起索赔的事件发生前 12 个月内，你就受影响服务实际支付的费用；（b）S$500。这是累计限额，并非每项索赔各自适用的限额，且仅在法律允许的范围内适用。

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, wilful misconduct, or any liability that cannot lawfully be excluded or limited. No term removes a non-excludable right or remedy under the Consumer Protection (Fair Trading) Act, the Personal Data Protection Act or other applicable law. The limit does not reduce our data-protection or confidentiality obligations; its application to any resulting loss remains subject to applicable law and reasonableness. An unenforceable restriction will not prevent you from seeking a remedy available by law.

本条款不排除或限制因过失造成死亡或人身伤害、欺诈或欺诈性虚假陈述、故意不当行为，以及任何依法不得排除或限制的责任。任何条款均不剥夺《消费者保护（公平交易）法》《个人资料保护法》或其他适用法律规定的不可排除权利或救济。此限额不减轻我们的资料保护或保密义务；对相关损失是否适用，仍受适用法律和合理性要求约束。不可执行的限制不会妨碍你寻求法律提供的救济。

The Company may arrange for the Mockbird business to be transferred to a newly incorporated company, an affiliate or an acquirer as part of a reorganisation, merger or business or asset transfer. Until a transfer lawfully takes effect, HORHORCHI CHINESE FLAVOUR PTE. LTD. remains your contracting party. A change to the brand, website or payment instructions alone does not replace that party.

本公司可因重组、合并、业务或资产转让，安排由新设公司、关联公司或收购方接手 Mockbird 业务。在转让依法生效之前，HORHORCHI CHINESE FLAVOUR PTE. LTD. 仍是你的合同主体。仅变更品牌、网站或付款说明，不构成合同主体的替换。

Before a planned change takes effect, we will notify affected users by email and on the website of the new operator's legal name, UEN or other registration number, effective date, contact and privacy-request channels, and the arrangements for existing purchases, payments and refunds. Existing paid access, unused purchased benefits and accrued rights will not be reduced merely because of the transfer. We will arrange for the successor to assume the relevant service obligations, and obtain your agreement where a novation, transfer of obligations or applicable law requires it.

计划变更生效前，我们会通过邮件和网站向受影响用户告知新运营公司的法定名称、UEN 或其他注册号、生效日期、联系及隐私请求渠道，以及既有订单、付款和退款的处理安排。已购使用期、未使用的已购权益和已经产生的权利，不会仅因转让而减少。我们会安排接手公司承担相应服务义务；如合同更替、义务转移或适用法律要求取得你的同意，将先取得该同意。

The transfer does not by itself release the original Company from liability for earlier payments, refunds or claims. Historic orders will remain traceable and you will be told whom to contact; you will not be required to pay twice for the same purchased access. Related personal data may be transferred only for lawful, necessary purposes with the protections described in the Privacy Policy. This clause is not blanket permission to sell personal data or use it for unrelated purposes. You may not transfer your account or these Terms without our written agreement, except as permitted by law.

转让本身不免除原公司就此前付款、退款或索赔应承担的责任。历史订单会保持可追溯，并向你说明负责受理的联系方；不会要求你为同一份已购权限重复付费。相关个人资料仅可为合法、必要的目的，并在隐私政策所述保护措施下转移。本条不是出售个人资料或将其用于无关目的的概括授权。除法律允许外，未经我们书面同意，你不得转让账号或本条款。

The version and date above identify this text. We will give advance notice of material changes affecting existing purchases. Material changes adverse to your cancellation rights, liability protections, dispute arrangements or paid benefits will apply to a later purchase or term, or after your express agreement. Changes required by law or urgently needed for security may take effect sooner, with notice as soon as practicable. A policy update alone does not authorise an unrelated new use of personal data.

页首版本和日期标识本次文本。对既有订单有实质影响的重大变更，我们会事先通知。实质不利于取消权、责任保障、争议处理或已购权益的变更，用于后续购买或付费期，或在取得你明确同意后适用。法律要求或安全紧急需要的变更可提前生效，并在可行情况下尽快通知。仅更新政策不构成对无关的新个人资料用途的授权。

These Terms are governed by Singapore law. Subject to any mandatory right to use another competent forum, the Singapore courts have exclusive jurisdiction. The Small Claims Tribunals remain available where a dispute falls within their jurisdiction. Contact [email protected] about the Service, a payment, a content or copyright concern, or a complaint; raising a complaint with us does not waive your legal rights.

本条款适用新加坡法律。在不影响依法可向其他有管辖权机构申请救济的强制性权利的前提下，新加坡法院具有专属管辖权。属于小额索偿法庭管辖范围的争议，仍可向其提出。服务、付款、内容或版权问题及投诉，可联系 [email protected]；向我们投诉不意味着放弃法定权利。

Payments for membership plans, the coaching add-on and one-off purchases are final. We do not refund a change of mind, time you did not use, questions you did not attempt, your exam result, or a decision to stop studying. Access to the full content is granted immediately on payment, so a purchase cannot be returned in the way a physical product can.

会员套餐、定制私教团及一次性购买的款项，付款后不予退款。改变主意、没用完的时间、没做完的题目、考试结果，或不再继续备考，均不作为退款理由。付款后即刻获得全部内容的访问权限，因此不同于实物商品，无法退货。

Before you buy, you can try 20 questions free for each exam (the free diagnostic for CM-SIP, the free sample for RES 1A and RES 2A) and read the plan details on the pricing page. If you are unsure whether the Service suits you, try the free questions first.

购买前每门考试都可先免费做 20 题（CM-SIP 为免费诊断，RES 1A / RES 2A 为免费试做），并在定价页查看各档位的具体内容。如不确定本服务是否适合你，请先做免费题。

You can turn off automatic renewal at any time on your Account page, or through the payment management link there. Cancelling stops all future charges. You keep full access until the end of the period you have already paid for. We do not pro-rate, credit or refund the unused part of a current period.

你可随时在「我的」页关闭自动续费，或通过该页的付款管理入口操作。取消后不再产生任何后续扣款，已付费期限内可照常使用至届满。当期未使用的部分不按比例折算、不折抵、不退款。

The coaching add-on is bought per examination, month by month, and each examination's (or the bundle's) add-on is cancelled separately, in the same way. An early-bird free month of an add-on (see section 4 of the Terms of Service) is cancelled the same way too; if you cancel before it ends, nothing is charged. If a renewal charge fails, access is not extended unless the renewal is paid.

定制私教团按考试、按月购买，每门考试（或打包）的私教团分别取消，取消方式相同。早鸟赠送的私教团免费月（见服务条款第 4 条）取消方式亦同；在免费月结束前取消的，不产生任何扣款。续费扣款失败的，未完成付款即不延长使用期。

Two narrow exceptions apply. First, if we take money in error — a duplicate charge, a charge after you cancelled, or a charge for something you did not buy — contact [email protected] and we will return that amount. Second, nothing in this policy limits rights you have under Singapore law, including the Consumer Protection (Fair Trading) Act, which cannot be excluded by contract.

仅有两项窄例外。其一，若我们收错了钱——重复扣款、取消后仍扣款、或扣取了你并未购买的项目——请联系 [email protected]，我们会退还该笔款项。其二，本政策不限制你依新加坡法律享有的权利，包括《消费者保护（公平交易）法》下依合同不得排除的权利。

If you ask your bank or card issuer to reverse a payment, the access bought with that payment is withdrawn and any related automatic renewal is stopped while the matter is resolved. We would rather you contact us first: most problems are quicker to fix directly.

若你向银行或发卡机构申请撤销一笔付款，该笔付款所购买的权限将被收回，相关自动续费一并停止，直至争议处理完毕。我们建议你先联系我们：多数问题直接沟通解决更快。

HORHORCHI CHINESE FLAVOUR PTE. LTD. (Singapore UEN 202304437W), the operator of Mockbird, is responsible for the personal data described in this notice under Singapore's Personal Data Protection Act 2012 (PDPA). You can contact our Data Protection Officer (DPO) at [email protected] for privacy requests and complaints. Please mark your email as a privacy or DPO request.

Mockbird 的运营公司 HORHORCHI CHINESE FLAVOUR PTE. LTD.（新加坡 UEN 202304437W）依新加坡《2012 年个人资料保护法》（PDPA），负责本声明所述个人资料处理。隐私请求及投诉可发送至资料保护负责人（DPO）邮箱 [email protected]，请在邮件中注明隐私或 DPO 请求。

Account and authentication data: your email, account identifier, creation and last-activity times, and sign-in records are used to identify and protect your account, attribute learning records and display account watermarks. Registration uses your email, a verification or reset code sent to that email, and a password; we keep only a salted password hash, not a readable password. An optional invite code you enter is recorded as a referral.

账号与验证资料：邮箱、账号标识、创建及最近活动时间和登录记录，用于识别和保护账号、归属学习记录及显示账号水印。注册使用邮箱、发送至该邮箱的验证或重置码及密码；我们只保存加盐密码散列，不保存可读取的明文密码。你选填的邀请码会作为邀请关系记录。

Learning and coaching data: questions served or answered, selected answers, correctness, time spent, exam and practice sessions, flags, mastery estimates, daily statistics, language and relevant time-zone information, tutor self-assessments and chat history, an exam date you enter, and generated study plans. These support practice delivery, usage calculation, progress analysis, personalised exercises, AI responses and continuity between devices.

学习及辅导资料：已提供或作答的题目、所选答案、对错、用时、考试及练习会话、标记、掌握度估算、每日统计、语言和相关时区信息、讲解自评与聊天记录、你填写的考试日期，以及生成的学习计划。用于提供练习、计算用量、分析进展、安排个性化练习、生成 AI 回复及跨设备衔接。

Purchase and support data: membership and add-on periods, renewal and cancellation status, quotas, credit balances, unlocked papers, order items, payment amounts, Stripe customer, checkout, subscription and invoice references, refund and dispute status, refund correspondence and support messages. We use these to provide purchased access, process renewals, resolve problems, assess refunds and keep necessary accounting records. Stripe collects your payment details directly. We may receive limited information from Stripe, such as the payment method type, card brand and last four digits, billing email and payment status, but not full card numbers or banking credentials.

购买及客服资料：会员和加购期限、续费及取消状态、额度、积分余额、已解锁试卷、订单明细、付款金额、Stripe 客户、结账、订阅及发票参考号、退款及拒付状态、退款往来和客服消息。用于交付已购权限、处理续费、处理问题、审核退款及保留必要会计记录。付款资料由 Stripe 直接收集。我们可能从 Stripe 获得有限信息，例如付款方式类型、卡组织及卡号末四位、账单邮箱和付款状态，但不会获得完整卡号或银行登录凭据。

Referral and security data: where a referral is recorded, this includes the referral code, referrer relationship, invitee email, reward amount and status. Referral records associated with a referrer may be available to that referrer, including the invitee email and reward status. Technical and audit records may include IP address, browser or request information, access times, and administrative actions and reasons. They support referral administration, troubleshooting, abuse prevention, security and legal obligations. If you choose to receive referral cashback by PayNow, we also collect the PayNow mobile number you enter on your Account page and use it only to make that transfer; you can change or remove it there at any time. We do not ask for NRIC, date of birth, residential address, employer or card details for ordinary registration.

邀请及安全资料：有邀请记录时，包括邀请码、邀请关系、受邀人邮箱、奖励金额和状态。与邀请人关联的邀请记录可能向该邀请人提供，包括受邀人邮箱和奖励状态。技术及审计记录可能包含 IP 地址、浏览器或请求信息、访问时间，以及管理操作和原因，用于邀请管理、排障、防滥用、安全及履行法定义务。如你选择以 PayNow 收取邀请返现，我们还会收集你在「我的」页填写的 PayNow 收款手机号，仅用于该笔转账；你可随时在该页修改或删除。普通注册不要求提供 NRIC、出生日期、住址、雇主或银行卡资料。

We use Railway for application hosting, Supabase for the database, and Cloudflare for website delivery, security and support-email routing. These providers process the account, learning, request or correspondence data needed for their functions. Stripe (Stripe Payments Singapore Pte. Ltd. and its affiliates) processes payments, subscriptions, invoices, refunds and disputes, and receives your email, the items purchased and the payment details you give it; Stripe's own privacy notice also applies to its handling of payment details. Resend sends verification codes, receipts, renewal invoices and payment reminders, and receives the recipient email and the email content. Notifications to our authorised operators about payments, renewals, refunds and referral cashback may use Telegram or a configured notification service and include your account email, amount, purchased items, relevant membership status and, for a referral cashback paid by PayNow, the PayNow mobile number you entered. Access by our personnel is limited to their service, support and administration duties.

我们使用 Railway 托管应用、Supabase 存储数据库，以及 Cloudflare 提供网站访问、安全和客服邮件路由。这些服务商处理其功能所需的账号、学习、请求或邮件往来资料。Stripe（Stripe Payments Singapore Pte. Ltd. 及其关联公司）处理付款、订阅、发票、退款及拒付，会接收你的邮箱、所购产品及你向其提供的付款资料；Stripe 处理付款资料时亦适用其自身的隐私声明。Resend 负责发送验证码、收据、续费账单及付款提醒，会接收收件邮箱及邮件内容。发送给获授权运营人员的付款、续费、退款及邀请返现通知可能通过 Telegram 或配置的通知服务传送，包含账号邮箱、金额、所购产品、相关会员状态，以及以 PayNow 收取邀请返现时你填写的 PayNow 收款手机号。工作人员访问资料限于服务、客服及管理职责所需。

When you use live AI tutor follow-ups, DeepSeek receives the question and explanation context, your self-assessed mastery, the conversation for that question and your new message. Study planning sends DeepSeek your exam date and relevant learning summaries, such as progress, accuracy, pacing, strengths, weaknesses and recent activity. We do not deliberately add your account email or payment data to these AI prompts; information you type into a chat may nevertheless be included. Please do not enter passwords, bank details or other people's personal data. Learning progress can itself be personal data even without your email. Generating offline explanation translations does not require sending your account or payment records.

使用实时 AI 讲解追问时，DeepSeek 会接收题目及解释上下文、你的掌握度自评、该题对话历史和新消息。生成学习规划时，会向 DeepSeek 发送考试日期及相关学习摘要，例如进度、正确率、配速、强弱项和最近活动。我们不主动在这些 AI 提示中加入账号邮箱或付款资料，但你自行输入聊天的资料仍可能一并发送。请勿输入密码、银行资料或他人的个人资料。即使不含邮箱，学习进度仍可能属于个人资料。离线生成解释译文无需发送你的账号或付款记录。

We do not sell personal data. Relevant records may be disclosed to Stripe, banks or card networks for payment processing, refunds, fraud prevention or disputes, to professional advisers for accounting or legal matters, and to authorities where required or permitted by law. Disclosure is limited to the relevant purpose.

我们不出售个人资料。为处理付款、退款、防范欺诈或处理拒付，可向 Stripe、银行或卡组织提供相关记录；为会计或法律事务，可向专业顾问提供资料；法律要求或允许时，可向主管机关披露。披露限于相应用途所需。

Providers and their infrastructure may process information outside Singapore. We are responsible for taking the measures required by the PDPA to provide a comparable standard of protection, including assessing relevant providers and using appropriate contractual or other legally recognised safeguards. We do not treat your use of the website as a waiver of these requirements. You may ask the DPO about relevant recipients and transfer safeguards.

服务商及其基础设施可能在新加坡境外处理资料。我们负责采取 PDPA 要求的措施，以提供可比的保护标准，包括评估相关服务商，使用适当合同或其他法律认可的保障措施。使用本网站不视为你放弃这些保护要求。你可向 DPO 询问相关接收方及传输保障。

If the Mockbird business moves to a new company, personal data will be transferred only where permitted by the PDPA and only as needed for the lawful transaction and continuation of the notified service purposes. Any due-diligence disclosure must have appropriate purpose and confidentiality restrictions. We will provide the notices required by law, identify the receiving organisation and obtain consent where required. The contract-transfer clause does not authorise unrelated marketing or unrestricted disclosure to affiliates.

Mockbird 业务转移至新公司时，个人资料仅在 PDPA 允许的情况下，并在合法交易及延续已告知服务目的所需的范围内转移。尽职调查中的资料披露须有适当的用途和保密限制。我们会依法通知、明确资料接收机构，并在需要时取得同意。合同转让条款不授权无关营销或向关联公司无限制披露资料。

We use a necessary sign-in cookie with a 30-day lifetime, and browser storage for language preferences and cached account, learning-history and progress information. Our infrastructure may use necessary security technologies. These support sign-in, continuity and abuse prevention. You can clear cookies or browser storage, but may be signed out or lose local preferences; this does not delete server-side account records.

我们使用有效期为 30 天的必要登录 Cookie，并在浏览器中保存语言偏好，以及账号、学习历史和进度缓存。基础设施也可能使用必要的安全技术。这些用途支持登录、使用衔接和防滥用。清除 Cookie 或浏览器存储可能使你退出登录或丢失本地偏好，但不会删除服务器上的账号记录。

We do not currently use advertising trackers or third-party marketing analytics in the application, or send marketing campaigns. Account verification, payment and support messages are service communications. Before introducing optional tracking or marketing, we will provide the relevant notice and any required consent and opt-out controls; a purchase is not blanket consent to future marketing.

目前应用未使用广告追踪器或第三方营销分析，也未发送营销推广邮件。账号验证、付款及客服消息属于服务沟通。启用可选追踪或营销前，会提供相应告知，以及法律要求的同意和退出机制；购买不构成对未来营销的概括同意。

We collect, use and disclose personal data for the purposes explained in this notice on the basis of consent or another basis permitted by the PDPA. We will explain a materially different purpose and obtain any required consent before using data for it. You may write to the DPO to withdraw consent for a particular purpose on reasonable notice. We will explain the likely consequences and when processing based on that consent will stop.

我们基于同意或 PDPA 允许的其他依据，为本声明说明的目的收集、使用及披露个人资料。用于实质不同的新目的前，会予以说明并取得所需同意。你可提前给予合理通知，向 DPO 发邮件撤回对某一目的的同意。我们会说明可能的后果，以及基于该同意的处理何时停止。

Withdrawing consent for an optional purpose does not by itself close your account. Withdrawing data needed for a particular feature may mean that feature cannot continue; withdrawing essential account processing may require account closure. We will explain this before acting. Withdrawal does not invalidate earlier lawful processing or require destruction of records we must or may lawfully retain. Any remaining paid access and refund request will be considered under the Refund Policy and applicable law.

撤回对可选用途的同意，本身不会导致关停账号。某一功能所必需的资料处理被撤回后，该功能可能无法继续；撤回必要的账号资料处理可能需要关闭账号。我们会在处理前说明。撤回不否定此前的合法处理，也不要求销毁依法必须或可以保留的记录。剩余付费权益和退款请求将按退款政策及适用法律处理。

We keep identifiable information only while it is needed for the notified purposes or a legal or legitimate business requirement. Account and learning data support active access, progress history and customer support; inactivity or the end of paid access is a reason to review whether it is still needed, not permission to keep it indefinitely. Technical and security records are kept only for relevant troubleshooting, protection and investigation needs. Payment, refund, accounting and associated support evidence may need to be kept longer to meet record-keeping requirements or resolve a dispute.

可识别个人的资料仅在已告知目的、法律要求或正当业务需要仍然存在时保留。账号及学习资料用于有效权限、进度历史及客服；账号长期不活跃或付费期结束时，应评估是否仍有保留必要，而非据此无限期保存。技术及安全记录仅为相关排障、保护和调查需要保留。付款、退款、会计及相关客服凭证可能因记录保存要求或争议处理需要保留更久。

Ask the DPO if you want to close your account or request deletion. After reasonable identity verification, we will assess the relevant records, remove or anonymise data no longer needed, and explain any lawful retention, practical steps and expected completion time. We aim to respond to a deletion request within 30 days; this is not a promise that every record and backup will be erased within that period. A logout or clearing your browser is not an account-deletion request.

关闭账号或申请删除资料，请联系 DPO。合理核验身份后，我们会评估相关记录，删除或匿名化不再需要的资料，并说明合法保留的例外、处理步骤及预计完成时间。我们力争在 30 天内答复删除申请；这不代表保证在该期限内彻底删除每份记录及备份。退出登录或清理浏览器不等于申请删除账号。

Where retained backups or records cannot be immediately erased, we will explain the applicable retention or replacement arrangements and restrict their use to recovery, security, legal obligations or dispute handling as appropriate. They must not be used to restore deleted information to ordinary use without a lawful reason. We will include relevant backups and copies when handling a deletion request and retain any necessary evidence of the request itself.

保留中的备份或记录无法立即擦除时，会说明适用的保留或替换安排，并按需要将其用途限于恢复、安全、法定义务或争议处理。没有合法理由，不得利用这些副本将已删除资料恢复为日常使用状态。处理删除申请时会考虑相关备份及副本，并保留申请本身的必要处理凭证。

You may ask the DPO for access to personal data in our possession or control and information about how it was used or disclosed in the year before your request, or ask us to correct an error or omission, subject to PDPA exceptions. We may reasonably verify your identity and clarify the request without asking for unnecessary identification. If a lawful access fee applies, we will explain it before proceeding.

在 PDPA 规定的例外约束下，你可向 DPO 申请查阅我们持有或控制的个人资料，以及申请日前一年内的使用或披露情况，或要求更正错误及遗漏。我们可能合理核验身份并澄清请求，但不会索取不必要的身份资料。如查阅申请涉及依法允许的费用，会在处理前说明。

We will respond as soon as reasonably possible. If an access or correction request cannot be completed within 30 days, we will notify you in writing within those 30 days of the time by which we will respond. If an exception prevents full access or correction, we will explain to the extent permitted by law. You can also complain to the DPO about our handling of data, and may contact Singapore's Personal Data Protection Commission (PDPC) without giving up other available remedies.

我们会在合理可行的情况下尽快答复。查阅或更正申请无法在 30 天内完成时，会在该 30 天内书面告知预计答复时间。如法定例外妨碍完整查阅或更正，会在法律允许的范围内说明。你亦可向 DPO 投诉资料处理问题，或联系新加坡个人资料保护委员会（PDPC），且不因此放弃其他可用救济。

We are responsible for reasonable security arrangements appropriate to the personal data we handle. No online service can guarantee absolute security. If a data incident occurs, we will investigate, take appropriate containment and remedial steps, assess notification obligations, and notify the PDPC and affected individuals when and within the time required by law. Please report suspected account or data exposure to the DPO promptly.

我们负责根据处理的个人资料采取适当、合理的安全措施。任何在线服务均无法保证绝对安全。发生资料事件时，我们会调查、采取适当遏制和补救措施、评估通知义务，并在法律规定的情形和期限内通知 PDPC 及受影响个人。发现疑似账号或资料泄露时，请及时联系 DPO。

The version and date above apply to this notice. We will notify users of material changes in our data handling and obtain fresh consent where required. The provisions on a future operator and business transfers do not replace this obligation. For this policy and all privacy requests, our contact is [email protected].

页首版本和日期适用于本隐私声明。资料处理发生重大变化时，我们会通知用户，并在需要时重新取得同意。未来运营主体变更及业务转让条款不替代该义务。本政策及所有隐私请求的联系邮箱为 [email protected]。