Terms & Conditions and Legal Disclaimer

1. Scope & Role of Services

1.1 Operational Scope: The Company acts strictly as an independent facilitator, administrative manager, concierge, and agency service provider across Singapore, Hong Kong and Malaysia for the following five core service areas:

• Service 1 (Bespoke Relocation & Lifestyle Concierge): Real estate acquisition assistance, lease negotiations, turnkey home setup, education and healthcare access coordination, domestic staffing placement and curated local vendor referrals.
• Service 2 (Family Office Stewardship & Operations): Operational oversight, administrative management, strategic asset stewardship support, private property administration, governance advisory and cross-professional advisor coordination.
• Service 3 (Comprehensive Wealth Security & Resilience): Connecting high-net-worth clients with licensed financial specialists, banks, and trust institutions for capital protection, economic resilience, legacy continuity and private client support.
• Service 4 (Cross-Border Legal Resource & Concierge Coordination): Cross-border regulatory liaison, matchmaking with vetted third-party legal experts and multi-regional governance coordination.
• Service 5 (24/7 Digital Operations & Concierge): Round-the-clock digital administrative handling, priority agent care and instant digital messaging support.

1.2 Non-Regulated Status Disclosure: The Company is NOT a law firm, bank, investment advisor, asset manager, trust company, tax practice, licensed estate agency, or employment agency in Singapore, Hong Kong, Malaysia or any other jurisdiction. No attorney-client privilege, fiduciary duty, or regulated advisory relationship is created between the Company and the Client.

1.3 Independent Third Parties: All legal, financial, wealth management, tax, real estate, and staffing arrangements are provided solely by independent, licensed third-party specialists. Third parties operate under their own professional licences, contracts and regulatory oversight.

2. Complete Exclusion & Limitation of Liability

2.1 ‘As-Is’ Service & No Outcome Guarantees: All coordination, administrative support and 24/7 digital concierge channels are provided on an ‘as-is’ and ‘as-available’ basis. The Company provides no warranties and guarantees zero outcomes regarding:

• Property purchases, lease terms, landlord approvals, school placements, or domestic staff performance;
• Financial returns, principal preservation, tax efficiency, or market performance of third-party wealth strategies;
• Favourable legal opinions, regulatory clearances, or success in complex disputes, transactions, or cross-border expansions.

2.2 Third-Party Conduct: The Company assumes zero liability, duty of care, oversight, or responsibility for any actions, errors, omissions, delays, professional negligence or breaches committed by third-party lawyers, financial institutions, tax advisors, real estate brokers, contractors, or domestic staff.

2.3 Exclusion of Consequential Losses: To the maximum extent permitted by applicable laws in Singapore, Hong Kong, and Malaysia, the Company shall not be liable for any indirect, incidental, punitive, special or consequential damages, including loss of profits, loss of data, property damage or business disruption.

2.4 Liability Cap: The total aggregate liability of the Company for any and all claims arising out of or relating to any of the services shall be strictly capped at the total service fees actually received by the Company from the Client for the specific service in question during the six (6) months prior to the event giving rise to liability.

3. Client Warranties & Obligations

3.1 Accuracy of Data: The Client agrees to supply complete, accurate, and prompt information necessary for operational and concierge fulfilment.

3.2 Compliance & AML/CFT Warranties: The Client warrants that all assets, funds, and instructions handled or coordinated under any service strictly comply with Anti-Money Laundering (AML), Counter-Terrorism Financing (CFT) and tax reporting laws in Singapore, Hong Kong, Malaysia and the Client’s home tax residency.

3.3 Direct Engagement Risk: The Client enters into binding contracts with third-party lawyers, wealth specialists, landlords and service providers entirely at their own risk and evaluation.

4. Cross-Border Data Privacy

4.1 Regulatory Compliance: The Company collects, processes, and transfers personal data in compliance with the Singapore Personal Data Protection Act (PDPA), Hong Kong Personal Data (Privacy) Ordinance (PDPO) and Malaysia Personal Data Protection Act (PDPA).

4.2 Cross-Border Consent: The Client explicitly authorises the cross-border processing and transfer of personal data between Singapore, Hong Kong, Malaysia and relevant service nodes to enable 24/7 digital concierge operations, legal coordination and vendor engagements.

4.3 Targeted Sharing: Personal data is shared with third-party specialists and vendors strictly to the extent required to execute requested services.

5. Governing Law & Dispute Resolution

5.1 Governing Law: These terms and any service agreements shall be governed by and construed under the laws of the Republic of Singapore.

5.2 SIAC Binding Arbitration: Any dispute, controversy, or claim arising out of or in connection with these services shall be finally resolved by binding arbitration administered by the Singapore International Arbitration Centre (SIAC) under the SIAC Rules by one (1) arbitrator.

5.3 Language Control: The English version of these terms strictly controls and prevails over any translation (including Simplified or Traditional Chinese).