Terms of Service

1. Introduction

These Terms of Service govern your use of zenith este website and consultation services. By accessing our services, you agree to be bound by these terms.

2. Definitions

• "Service" refers to consultation services provided by zenith este
• "User" means any person accessing our website or services
• "Content" includes all text, images, and materials on our website
• "We/Us/Our" refers to zenith este

3. Use of Services

Our consultation services are provided for informational and educational purposes. Users must:

• Be at least 18 years old
• Provide accurate information
• Use services in accordance with Singapore law
• Respect intellectual property rights
• Maintain confidentiality of login credentials if applicable

4. Prohibited Activities

Users may not:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful or malicious code
• Attempt unauthorized access to our systems
• Engage in fraudulent activities
• Harass or harm other users or staff

5. Intellectual Property

All content on our website remains the property of zenith este. Users are granted a limited license for personal use only. Reproduction or distribution without written permission is prohibited.

6. Service Terms

Consultation Services

• Consultations are educational and informational in nature
• Fees are due at time of booking
• Cancellation must be made 48 hours in advance for refund consideration
• Consultations do not constitute legal or financial advice

Payment Terms

• All fees are in Singapore Dollars (SGD)
• Payment required prior to consultation
• Refunds subject to our cancellation policy

7. Disclaimers and Limitations

Services Provided "As Is": We provide services without warranties of any kind. We do not guarantee specific results or outcomes.

Limitation of Liability: Our liability is limited to fees paid for services. We are not liable for indirect, incidental, or consequential damages.

No Professional Advice: Our consultations are educational and should not replace advice from licensed financial advisors, lawyers, or other qualified professionals.

8. Dispute Resolution

Any disputes will be resolved through:

1. Initial attempt at informal resolution
2. Mediation if informal resolution fails
3. Arbitration in Singapore as final resort

Governing Law: These terms are governed by the laws of Singapore.

9. Termination

Either party may terminate the service relationship with notice. Immediate termination may occur for violations of these terms. Certain provisions survive termination, including intellectual property rights and liability limitations.