Terms & Conditions
1. Introduction
Welcome to GrowthCoreEdge! These Terms and Conditions govern the use of our services, programs, and offerings in the field of financial planning and business consulting in Singapore. By engaging our financial planning services or establishing a client relationship, you accept these conditions and agree to comply with them fully in accordance with Singapore legislation.
2. Service Eligibility
2.1. Client Status – Our financial planning services are designed for qualified companies, business consulting seekers, and corporate groups in Singapore who seek specialized financial support and consulting. When engaging our services, we require information about your business objectives, requirements, and specific needs to provide appropriate services in accordance with Singapore legislation.
2.2. Representation – Participation in our financial consulting requires prior consultation and a formal contract with GrowthCoreEdge. You are required to provide accurate and up-to-date information regarding your business affairs in accordance with Singapore standards.
2.3. Professional Guidelines – We expect professional behavior and compliance with all financial and regulatory requirements in Singapore. Any form of misrepresentation, fraudulent activity, or unethical behavior may result in termination of financial services.
2.4. Confidentiality – Clients commit to maintaining confidentiality regarding sensitive business affairs and information shared during our professional relationship in accordance with Singapore privacy protection rules.
3. Service Engagement and Payment
3.1. Service Engagement – Financial planning service contracts can be concluded via our website, by phone, or in person at our Marina Bay office and are binding after our written confirmation and contract signature.
3.2. Payment Terms – Payments for financial planning services are due within 14 days of invoice issuance and are payable in SGD. We accept bank transfers through Singapore banking institutions, major credit cards, and certified payments.
3.3. Corporate Engagements – For financial planning services engaged by Singapore companies for their business development, separate payment terms may be agreed upon, which are specified in the appropriate financial planning service contract.
3.4. Cancellation Policy – For cancellations up to 14 days before scheduled financial planning services, 25% of the financial commission is retained; for cancellations up to 7 days before, 50%. For later cancellations, the full financial commission is charged based on work performed, in accordance with Singapore financial practice standards.
4. Service Design and Modifications
4.1. Planning and Execution of Financial Planning Services –
- GrowthCoreEdge reserves the right to modify service offerings, timelines, and assigned financial experts at our Marina Bay office.
- In case of scheduling conflicts or financial priorities, services may be postponed or reassigned within our financial network.
- Service modifications will be communicated to clients as soon as possible.
4.2. Financial Documents – All financial documents, templates, and professional resources are the intellectual property of GrowthCoreEdge or our Singapore financial partners. Materials may not be reproduced, distributed, or used for commercial purposes without written authorization in accordance with Singapore intellectual property legislation.
5. Specialized Services
5.1. Registration – For our Premium financial consulting and specialized Singapore financial services, separate engagement conditions apply, which are communicated before service commencement and are binding in accordance with Singapore contractual legislation.
5.2. Cancellation Terms – Cancellations of these comprehensive financial service packages must be made at least 21 days in advance to receive a partial refund. For later cancellations, 75% of the financial commission is retained in accordance with Singapore financial practice standards.
5.3. Client Selection – For certain specialized financial services, we reserve the right to select clients based on criteria such as financial level, business objectives, and financial capacity to ensure optimal financial results within the Singapore strategic framework.
6. Limitation of Liability and Warranties
6.1. Liability – GrowthCoreEdge is liable only in case of professional negligence or misconduct by our financial team in accordance with Singapore professional liability standards. We assume no responsibility for financial decisions made by clients based on our financial advice.
6.2. Professional Responsibility – Clients are responsible for implementing financial advice and complying with regulatory requirements in their financial activities. The use of financial advice is at their own discretion and takes into account their specific financial circumstances and strategic tolerance in accordance with Singapore legislation.
7. Premises and Property
7.1. Premises Usage – Office premises and equipment at our Marina Bay location must be treated with care and respect. Clients are responsible for any intentional damage to our financial office or equipment.
7.2. Valuable Items – We assume no responsibility for personal items and valuables you leave in our financial premises. Secure storage options are available for sensitive documents at our Marina Bay office.
8. Data Protection
8.1. Data Processing – The processing of personal and financial data complies with our separate Privacy Policy and client confidentiality requirements in accordance with Singapore data protection legislation, which are considered an essential part of these Terms and Conditions and must be read carefully.
8.2. Photo and Video Material – During selected financial events and professional seminars, photo and video material may be created for documentation and marketing purposes. Clients may object to the use of their image at any time in accordance with Singapore privacy rights.
9. Return and Refund Policy
9.1. Service Satisfaction – GrowthCoreEdge is committed to providing exceptional financial consulting and professional services in accordance with Singapore standards. If you are not satisfied with our financial planning services or the quality of consulting, please contact us within 7 days of service completion to discuss your concerns. We will work with you to resolve any issues and may offer appropriate compensation, such as partial refunds or additional financial consulting at no charge.
9.2. Service Cancellation by GrowthCoreEdge – In cases where we must cancel or withdraw from financial consulting due to conflicts of interest or professional obligations in accordance with Singapore ethics, we will provide a full refund of unused financial commissions or assist in transferring consulting to qualified Singapore financial experts. We will do our best to inform you of any consulting changes as soon as possible.
9.3. Refund Processing – All approved refunds will be processed within 14 business days and returned to the original payment method in SGD. Refunds are subject to our cancellation terms mentioned in section 3.4 and may be adjusted proportionally based on financial services already provided and work performed.
9.4. Exceptional Circumstances – In case of force majeure, changes in Singapore legislation affecting service provision, or other exceptional circumstances beyond our control, refunds will be handled case by case in accordance with Singapore commercial legislation and professional standards.
9.5. Dispute Resolution – All disputes regarding refunds will be resolved through mediation in accordance with Singapore legislation before any potential legal action. Clients have the right to file complaints with the Singapore Personal Data Protection Commission regarding professional conduct matters.
10. Final Provisions
10.1. Severability Clause – If certain provisions of these Terms and Conditions become or are invalid in accordance with Singapore legislation, the validity of the remaining provisions remains unchanged.
10.2. Applicable Law – These Terms and Conditions are subject to Singapore legislation and regulations of the Singapore Personal Data Protection Commission. Jurisdiction for all disputes is Singapore, to the extent legally permitted in accordance with Singapore civil procedure legislation.
10.3. Language – These Terms and Conditions are provided in English. In case of legal disputes, the English version will prevail, as required by Singapore legal procedure.
10.4. Updates – GrowthCoreEdge reserves the right to update these Terms and Conditions, as required by changes in Singapore legislation or professional regulations. Clients will be informed of significant changes by email or via notices in our Marina Bay office.