Terms & Conditions

1. Introduction and Acceptance

These Terms and Conditions ("Terms") govern your access to and use of the services and website provided by Kelvin Strauss Investment Consulting ("we," "us," or "our"), operating in Singapore. By engaging our consulting services or accessing our website, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you should not use our services or website. These Terms constitute a legally binding agreement between you and Kelvin Strauss Investment Consulting.

We reserve the right to modify these Terms at any time. Material changes will be communicated through prominent notice on our website or direct communication to active clients. Continued use of services following notification constitutes acceptance of modified Terms.

2. Definitions

For purposes of these Terms:

• "Services" refers to investment consulting services including Initial Financial Mapping, Strategic Investment Planning, and Ongoing Advisory Retainer arrangements
• "Client" means any individual or entity engaging our consulting services
• "Website" refers to our online presence at kelvinsar.pro and associated pages
• "Consulting Engagement" means the specific service arrangement agreed upon through written agreement or engagement letter
• "Personal Information" has the meaning defined in our Privacy Policy and Singapore's Personal Data Protection Act

3. Nature of Services

Our services consist of investment consulting provided on a fee-for-service basis. Important clarifications about our service model:

Advisory Nature

We provide analysis, frameworks, and perspectives to support your financial decision-making. Our services do not include:

• Discretionary management of investments
• Direct execution of trades or transactions
• Custody or holding of client assets
• Legal, tax, or accounting advice (though we may identify situations warranting such consultation)

No Guarantees

Investment performance depends on numerous factors beyond our control. Our services do not guarantee:

• Specific investment returns or outcomes
• Achievement of stated financial objectives
• Avoidance of investment losses
• Superior performance versus any benchmark or alternative approach

Decision Authority

All implementation decisions remain with you. We present options and analysis but do not direct specific actions. You retain full responsibility for decisions regarding your investments.

4. Eligibility and Account Responsibilities

To engage our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have legal capacity to enter binding agreements
• Provide accurate and complete information during engagement
• Maintain confidentiality of any access credentials to secure client portals

You are responsible for all activity occurring under your account and must notify us immediately of any unauthorized use.

5. Consulting Engagement Process

Engagement Agreement

Consulting relationships are formalized through written engagement letters specifying:

• Scope of services to be provided
• Fee structure and payment terms
• Expected timeline and deliverables
• Termination provisions

Information Provision

Quality of our analysis depends on accuracy and completeness of information you provide. You agree to:

• Provide truthful and complete financial information
• Update us promptly regarding material changes in circumstances
• Notify us of any errors or omissions in our understanding of your situation
• Maintain current contact information

Consultation Format

Consultations may occur through various channels including in-person meetings, telephone calls, video conferences, or email correspondence, as appropriate to the engagement and mutually agreed.

6. Fees and Payment

Fee Structure

Our services operate on transparent fee-for-consulting arrangements:

• Initial Financial Mapping: S$1,200 (one-time)
• Strategic Investment Planning: S$2,800 (per engagement)
• Ongoing Advisory Retainer: S$950 (monthly)

Payment Terms

Payment arrangements:

• One-time services: Payment due within 30 days of invoice issuance
• Retainer services: Payment due monthly in advance
• Accepted payment methods: Bank transfer to designated account
• Currency: Singapore Dollars (S$)

Late Payment

Overdue accounts may incur:

• Suspension of ongoing services until payment received
• Interest charges of 1.5% per month on overdue balances
• Termination of engagement for persistent non-payment

Fee Adjustments

We reserve the right to adjust fees annually with 60 days notice to clients with ongoing engagements. Existing one-time service agreements remain at contracted rates.

7. Refund and Cancellation Policy

One-Time Services

For Initial Financial Mapping and Strategic Investment Planning:

• Cancellation before work commences: Full refund minus S$200 administration fee
• Cancellation after work commences: Pro-rated refund based on work completed
• Dissatisfaction with completed work: Review and remediation at no charge; refund if irresolvable

Retainer Services

For Ongoing Advisory Retainer:

• Cancellation requires 30 days written notice
• No refund for current monthly period
• Services continue through notice period unless otherwise agreed
• No penalties for cancellation beyond notice requirement

Processing

Approved refunds processed within 14 business days to original payment method.

8. Intellectual Property

Our Content

All website content, consulting methodologies, analysis frameworks, and documentation remain our intellectual property. You may not:

• Reproduce or distribute our methodologies without permission
• Use our branding or trademarks without authorization
• Reverse engineer our analytical tools or frameworks
• Share documentation with third parties beyond reasonable personal reference

Client Materials

Reports and analyses prepared specifically for you:

• Are licensed for your personal use and reference
• May be shared with your other professional advisors
• Should not be distributed publicly or used commercially
• Remain subject to our underlying intellectual property rights in methodologies

9. Confidentiality

We maintain strict confidentiality regarding client information as detailed in our Privacy Policy. You acknowledge that:

• All financial information shared with us will be kept confidential
• We will not disclose your engagement with us without permission
• Exceptions exist for legal requirements and regulatory inquiries
• Anonymous aggregated data may be used for service improvement

10. Limitations of Liability

Services Provided "As Is"

While we strive for accuracy and thoroughness, consulting services are provided without warranties of any kind, express or implied, including:

• Accuracy or completeness of analysis
• Suitability for particular purposes
• Achievement of specific outcomes
• Uninterrupted or error-free service delivery

Limitation on Damages

To the maximum extent permitted under Singapore law, our liability is limited to:

• Direct damages not exceeding fees paid for the specific engagement giving rise to the claim
• No liability for indirect, consequential, or punitive damages
• No liability for investment losses or opportunity costs
• No liability for third-party actions or market movements

Client Responsibilities

You acknowledge that investment decisions carry inherent risks and that you are responsible for evaluating recommendations in light of your own circumstances and risk tolerance.

11. Termination

By Client

You may terminate consulting engagements:

• One-time services: At any time with pro-rated refund for work not performed
• Retainer services: With 30 days written notice
• No penalties beyond notice requirements and payment for services rendered

By Us

We may terminate engagements:

• For non-payment after reasonable notice and opportunity to cure
• If we determine we cannot adequately serve your needs
• For violation of these Terms
• For any reason with 30 days notice and pro-rated refund where applicable

Effect of Termination

Upon termination, we will provide copies of work completed to date, and confidentiality obligations continue indefinitely.

12. Dispute Resolution

Informal Resolution

Before pursuing formal proceedings, parties agree to attempt good-faith resolution through direct discussion.

Mediation

If informal resolution fails, disputes will be referred to mediation through the Singapore Mediation Centre before pursuing other remedies.

Governing Law

These Terms are governed by the laws of Singapore. Disputes not resolved through mediation will be subject to the exclusive jurisdiction of Singapore courts.

13. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any engagement letter, constitute the entire agreement regarding our services.

Severability

If any provision is found unenforceable, remaining provisions continue in full effect.

No Waiver

Failure to enforce any provision does not constitute waiver of that or any other provision.

Assignment

You may not assign rights or obligations under these Terms without our written consent. We may assign to affiliated entities with notice.

Force Majeure

Neither party is liable for delays or failures due to circumstances beyond reasonable control, including natural disasters, government actions, or technical failures.

14. Contact Information

For questions regarding these Terms: