TERMS AND CONDITIONS

1.1 Agreement to Terms

By accessing, using, or purchasing Services from INFINISPHERE CONSULTING PTE. LTD. (“Company”, “we”, “us”, or “our”), you agree to be legally bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, you must not access or use our Services.

1.2 Capacity and Eligibility

By clicking “I Accept”, “Purchase”, “Book Session”, or by using our Services (including completing any part of the assessment), you represent, warrant, and confirm that:

• You are at least 18 years of age. You will be required to confirm this by ticking a mandatory age declaration checkbox: “I confirm I am 18 years of age or older.” We do not collect your date of birth. This confirmation is logged with a timestamp for compliance purposes.
• You have full legal capacity and authority to enter into a binding agreement under Singapore law.
• If you are accessing our Services on behalf of an organisation, you have authority to bind that organisation to these Terms.
• All information you provide to us is accurate, current, and truthful. Providing false information may result in immediate account suspension.

Legal basis: Singapore Contract Law — Offer, Acceptance, and Consideration; PDPA Section 14 — Consent of Minors

1.3 Electronic Contract Validity

These Terms constitute a legally binding electronic agreement between you and INFINISPHERE CONSULTING PTE. LTD. Your electronic acceptance (including clicking, tapping, or otherwise interacting with our acceptance mechanisms) is legally valid and enforceable under the Singapore Electronic Transactions Act (Cap 88, 2011 Revised Edition) (“ETA”), Section 11 — Formation of Electronic Contracts.

Legal basis: Electronic Transactions Act Cap 88 — Sections 11 and 14

1.4 Minors — Strict Prohibition

Our Services are strictly intended for persons 18 years of age and older. We do not provide Services to, and will immediately terminate access for, any person under 18 years of age. If we discover that a person under 18 has accessed our Services or provided data to us, we will delete all associated data within 3 business days and issue a full refund of any payments made. Please refer to our Privacy Policy v2.1, Section 1.4 for our age verification procedures.

Legal basis: Singapore Contract Law — Minors' Contracts Act (Cap 177); PDPA Section 14

We provide AI-powered career assessment and coaching services through our IKIGAI Career Assessment Platform. Our services are structured in three tiers:

2.1 Free IKIGAI Assessment

• 6-dimensional career analysis using AI-assisted assessment
• Personalised PDF report with three career opportunity recommendations
• Delivery via email to your registered email address
• Usage limit: 1 free assessment per registered email address per 90-day period
• PDF report delivered within 2 to 5 minutes of assessment submission (subject to platform availability)

2.2 IKIGAI AI Business Idea Deep Dive (SGD 15.00)

• AI-powered 10-question career coaching conversation
• Exploration of one selected career path from your assessment results
• Personalised 90-day action plan
• PDF transcript of the full conversation
• Immediate digital access following successful payment confirmation

2.3 Breakthrough Session (SGD 180.00)

• 60-minute 1:1 video consultation with a qualified career transformation advisor
• In-depth review of your IKIGAI analysis
• Personalised career transition roadmap
• 30-day follow-up check-in (email or brief call, at your preference)
• Session scheduled within 7 calendar days of payment confirmation, subject to advisor availability
• Conducted via Google Meet or Zoom (link provided upon scheduling)

2.4 Important Notices on AI-Generated Content

All AI-assisted services on our platform use Claude, an AI model developed by Anthropic PBC. You should be aware that:

• AI-generated outputs are assistive tools for reflection and planning — they are not professional career counselling, financial advice, legal advice, psychological assessment, or guaranteed outcomes.
• You have the right to request human review of your AI-generated assessment output at any stage. Contact us at contact@infinisphere.tech to exercise this right.
• You may opt out of AI processing entirely, in which case only our human-delivered Breakthrough Session tier will be available to you.
• We do not use AI to make automated decisions about your employment eligibility, creditworthiness, or suitability for any specific role.

All Breakthrough Sessions include human expert review of AI outputs before the coaching session begins. AI is a tool — your human coach adds the expertise.

Legal basis: PDPC Model AI Governance Framework (2nd Edition, 2020); PDPC AI Verify Foundation Standards; Privacy Policy v2.1 Sections 3.2 and 11

2.5 Digital Delivery — No Physical Products

All Services are delivered digitally. No physical products are included. All reports, transcripts, and materials are delivered electronically. You are responsible for downloading and saving all documents upon receipt.

Legal basis: Electronic Transactions Act Cap 88 — Electronic Records and Delivery

3.1 Payment Processor

All payments are processed securely through Stripe, Inc., a PCI DSS Level 1 certified payment processor. By making a payment, you agree to Stripe's Terms of Service (available at stripe.com/terms) in addition to these Terms. We do not store, process, or access your raw payment card data at any time.

3.2 Pricing and GST

All prices are quoted in Singapore Dollars (SGD). Prices displayed on our platform are inclusive of Goods and Services Tax (GST) if INFINISPHERE CONSULTING PTE. LTD. is registered for GST at the time of your purchase. If we are not GST-registered at the time of your purchase, no GST is payable. Your invoice or receipt will clearly state the GST treatment applicable to your transaction.

Legal basis: Singapore Goods and Services Tax Act (Cap 117A)

3.3 Payment Authorisation

By providing your payment information, you authorise us to charge the amount specified for the selected Service. You represent that you are the authorised holder or user of the payment method provided.

3.4 Accepted Payment Methods

We accept credit cards, debit cards, and other payment methods supported by Stripe at the time of your purchase. Accepted methods are displayed at checkout.

3.5 Failed or Declined Payments

If your payment is declined or fails for any reason, access to paid Services will not be granted until successful payment is confirmed. We will notify you by email if a payment failure occurs. We do not store your payment details and cannot retry payment on your behalf — you will need to reattempt payment through the platform.

3.6 Invoices and Receipts

An electronic receipt will be issued to your registered email address upon successful payment. You may request a formal tax invoice by contacting contact@infinisphere.tech. We retain financial transaction records for 7 years in compliance with Singapore's Income Tax Act and accounting requirements.

4.1 Free IKIGAI Assessment

No refund is applicable as this service is provided free of charge.

4.2 IKIGAI AI Business Idea Deep Dive (SGD 15.00)

Because this service involves immediate generation of personalised AI content at the moment of engagement, the following applies:

• Full refund: Available if you have paid but the AI coaching session has not yet commenced.
• No refund: Once the AI coaching conversation has commenced and the personalised transcript has been initiated.
• Technical failure exception: If you experience a verified technical failure preventing service delivery (e.g., server error, failed PDF generation), you are entitled to a full refund or service re-delivery at your election. Report issues immediately to contact@infinisphere.tech.

4.3 Breakthrough Session (SGD 180.00)

All refunds are processed via the original payment method (Stripe) within 5–10 business days of approval.

Cancellation requests must be submitted in writing to contact@infinisphere.tech. The time of our email receipt of the cancellation request determines which tier applies.

4.4 Technical Failure — Our Obligation

If we fail to deliver a Service due to technical failure on our part (including platform outages, AI system failures, or PDF generation errors), you are entitled to a full refund of the amount paid, or re-delivery of the Service at your election, regardless of which service tier is involved. Please report technical failures as soon as they occur at contact@infinisphere.tech.

4.5 Consumer Statutory Rights — Not Limited

Nothing in this Section 4 limits, excludes, or modifies your statutory rights as a consumer under the Singapore Consumer Protection (Fair Trading) Act (Cap 52A) (“CPFTA”). In particular, if our Services are not provided with reasonable care and skill, or are not as described, you retain your statutory right to seek redress in addition to any contractual remedies above.

Legal basis: Consumer Protection (Fair Trading) Act Cap 52A — Sections 4 and 6; Consumer Protection (Fair Trading) (Opt-out Practices) Regulations

5.1 Delivery Method

All Services are delivered electronically through one or more of the following channels:

• PDF reports and transcripts via email to your registered email address
• AI coaching conversations via our secure web platform
• 1:1 Breakthrough Sessions via Google Meet or Zoom (link provided upon scheduling confirmation)

5.2 Delivery Timeframes

5.3 Your Responsibilities for Delivery

To ensure successful delivery of our Services, you are responsible for:

• Providing an accurate and accessible email address at registration. We are not liable for non-delivery caused by an incorrect email address provided by you.
• Checking your email Spam, Junk, and Promotions folders if an expected report does not arrive within the stated timeframe. Add contact@infinisphere.tech and the domain infinisphere.tech to your email safe senders list to ensure delivery.
• Maintaining a stable internet connection for AI coaching sessions and video calls.
• Being punctual for your scheduled Breakthrough Session. Sessions will commence at the scheduled time and cannot be extended due to late arrival.

6.1 Permitted Use

You may use our Services for lawful personal career development and professional exploration, business planning and strategy development, and professional skill assessment and growth planning.

6.2 Prohibited Conduct

You agree NOT to engage in any of the following:

• Submitting false, misleading, fraudulent, or deliberately inaccurate information through our platform
• Abusing the free assessment usage limit by registering multiple email addresses or accounts to obtain multiple free assessments within a 90-day period
• Using proxies, VPNs, or other technical means specifically and intentionally for the purpose of circumventing our usage limits or geographical restrictions. Note: General lawful use of VPNs for privacy purposes is not prohibited under these Terms.
• Attempting to reverse-engineer, decompile, disassemble, or otherwise derive the source code or algorithms of our AI system or platform
• Reselling, sublicensing, or commercially redistributing generated reports or content without our prior written consent
• Submitting content that is unlawful, defamatory, harassing, discriminatory, obscene, or offensive
• Attempting to gain unauthorised access to our systems, servers, or databases
• Using automated bots, scrapers, crawlers, or similar automated tools to interact with our platform
• Interfering with or disrupting the integrity or performance of our platform or the data contained therein

Legal basis: Computer Misuse Act (Cap 50A) — Unauthorised access offences; CPFTA Cap 52A — Misleading practices

6.3 Consequences of Violation

If you violate these Terms, we may take one or more of the following actions, depending on the severity and nature of the violation:

• Issue a formal warning by email
• Temporarily suspend your access to our Services
• Permanently terminate your account and access to our Services
• Refuse any refund claim where the violation contributed to the issue
• Pursue civil or criminal legal action, including referral to the relevant Singapore authorities

Where we suspend or terminate your access, we will provide written reasons by email, except where providing such reasons would prejudice an ongoing investigation or be prohibited by law.

We will not terminate access arbitrarily. Termination will be based on specific, documented grounds referenced in Section 6.2 or Section 13 of these Terms.

7.1 Our Intellectual Property

All software, algorithms, platform design, branding, trademarks, service marks, methodology, proprietary assessment frameworks, and technology underlying our Services remain our exclusive intellectual property. Nothing in these Terms grants you any ownership right, title, or interest in our intellectual property.

Legal basis: Singapore Copyright Act 2021 (Cap 63, 2021 Revised Edition); Trade Marks Act (Cap 332)

7.2 Your Input Data

You retain full ownership of all personal information, career history, assessment responses, and other content that you voluntarily submit through our platform (“Your Content”). By submitting Your Content, you grant us a limited, non-exclusive, non-transferable licence to process and use Your Content solely for the purpose of delivering the Services to you. We will not use Your Content for any other purpose without your explicit written consent.

7.3 Licence to Use Generated Reports

Subject to full payment of any applicable fees and your compliance with these Terms, we grant you a personal, non-exclusive, non-transferable, revocable licence to use the AI-generated IKIGAI reports and recommendations delivered to you for your own personal career planning and development purposes only.

7.4 Restrictions on Use of Reports

The licence in Section 7.3 does not permit you to:

• Sell, sublicence, or commercially exploit any report or generated content
• Remove, alter, or obscure any branding, attribution, or copyright notices from any report
• Claim ownership of, or represent to any third party that you created, the IKIGAI methodology, framework, or any generated report
• Share or distribute reports to third parties for their commercial use without our prior written consent

We take your privacy seriously. Your personal data is collected, processed, stored, and protected in accordance with our Privacy Policy v2.1 (effective 1 March 2026) and the Singapore Personal Data Protection Act 2012 (PDPA) as amended in 2021 and all associated PDPC advisory guidelines.

8.1 Privacy Policy — Incorporated by Reference

Our Privacy Policy v2.1 is incorporated into and forms part of these Terms. By agreeing to these Terms, you also acknowledge and accept our Privacy Policy. In the event of any conflict between these Terms and the Privacy Policy on data protection matters, the Privacy Policy shall prevail.

8.2 Consent to Data Processing

Your consent to the collection and use of your personal data as described in our Privacy Policy is obtained through explicit, active opt-in mechanisms (checkboxes requiring affirmative action) at the point of assessment submission and account registration. You may withdraw your consent at any time in accordance with the procedures set out in Privacy Policy v2.1, Section 9.

8.3 Data Security and Breach Notification

We implement technical and organisational safeguards appropriate to the sensitivity of the data we process, including encryption in transit and at rest, and access controls. In the event of a data breach, we will act in accordance with our obligations under PDPA Sections 26C and 26D, including notification to the PDPC within 3 calendar days of assessing a notifiable breach, and notification to affected individuals where there is likely to be significant harm. Full details of our security measures and breach notification procedures are set out in Privacy Policy v2.1, Section 8.

Legal basis: PDPA Sections 24, 26C, 26D — Protection and Breach Notification Obligations

8.4 No Guarantee of Absolute Security

While we implement robust security measures, no internet-based transmission or electronic storage system can be guaranteed to be 100% secure. We cannot guarantee absolute security against all possible threats. In the event of a security incident affecting your data, we will act promptly and in full compliance with our PDPA obligations.

9.1 AI-Generated Content Disclaimer

Our Services use artificial intelligence (Claude, developed by Anthropic PBC) to generate personalised career assessments and recommendations. You acknowledge and agree that:

• AI-generated outputs are suggestions and assistive tools for your personal reflection and planning — they are not professional advice of any kind.
• We make no guarantees, representations, or warranties about specific career or business outcomes arising from use of our Services.
• Results may vary significantly based on individual circumstances, market conditions, and factors outside our control.
• You should conduct your own independent research and due diligence before making any significant career or business decision.
• AI models may reflect limitations or biases inherent in their training data. We continually work to improve accuracy and relevance but cannot guarantee error-free outputs.

9.2 Professional Advice Disclaimer

Our Services do NOT constitute and must NOT be relied upon as: legal advice, financial or investment advice, mental health counselling or therapy, medical advice, or guaranteed employment or business outcomes.

We strongly recommend consulting qualified, licensed professionals for all specific legal, financial, medical, or mental health matters. Our AI-generated career guidance is a complementary tool to — not a replacement for — professional advice.

9.3 Service Availability

Our platform is provided on an “as is” and “as available” basis. We will use commercially reasonable efforts to ensure platform availability, but we do not warrant uninterrupted access. We may schedule maintenance windows with advance notice where practicable. In the event of extended, unplanned service unavailability that prevents delivery of a paid Service, our obligations under Section 4 (Refund Policy) will apply.

9.4 Limitation of Warranties — Consumer Rights Preserved

To the fullest extent permitted by applicable Singapore law, we exclude all implied warranties in relation to AI-generated content accuracy, completeness, and career outcome predictions.

However, we do NOT exclude, restrict, or modify the following implied conditions and warranties which cannot be excluded under the Consumer Protection (Fair Trading) Act (Cap 52A) or any other applicable Singapore law:

• The implied condition that our Services will be provided with reasonable care and skill
• The implied condition that our Services will be fit for the purpose communicated to us
• Any other statutory guarantee or warranty that cannot lawfully be excluded

In plain language: We cannot guarantee AI output accuracy, but we do guarantee we will deliver our Services professionally and as described. Your statutory consumer rights are never taken away by these Terms.

Legal basis: Unfair Contract Terms Act (Cap 396) — Sections 6 and 7; Consumer Protection (Fair Trading) Act Cap 52A

10.1 Cap on Our Liability

Subject to Section 10.4 (Non-Excludable Liability), our total aggregate liability to you for any claim or series of related claims arising out of or in connection with your use of our Services shall not exceed the total amount paid by you for the specific Service giving rise to the claim.

Legal basis: Unfair Contract Terms Act (Cap 396) — UCTA Reasonableness Test, Schedule 2

10.2 Excluded Types of Loss

Subject to Section 10.4, and to the extent permitted under Singapore law (including the UCTA reasonableness test), we shall not be liable to you for:

• Indirect or consequential loss
• Loss of profits or anticipated savings
• Loss of business opportunity
• Reputational or goodwill damage
• Loss of data (other than personal data covered by our PDPA obligations)
• Business interruption

These exclusions apply only to the extent that they satisfy the reasonableness requirement under the Unfair Contract Terms Act (Cap 396) and are not prohibited by the Consumer Protection (Fair Trading) Act (Cap 52A). For the avoidance of doubt, nothing in this section excludes any loss that cannot lawfully be excluded under the Consumer Protection (Fair Trading) Act (Cap 52A).

10.3 Time Limitation on Claims

Any claim arising out of or in connection with your use of our Services must be brought within one (1) year of the date on which you became aware, or reasonably should have become aware, of the facts giving rise to the claim. This limitation is subject to any longer limitation period that may apply under Singapore's Limitation Act (Cap 163) and cannot be used to extinguish rights under the CPFTA.

Legal basis: Limitation Act (Cap 163) — Section 6 (6-year general contract limitation); Unfair Contract Terms Act (Cap 396)

10.4 Non-Excludable Liability

Nothing in these Terms shall exclude or limit our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Breach of our obligations under the PDPA (data protection law)
• Any liability that cannot lawfully be excluded or limited under Singapore law, including rights under the Consumer Protection (Fair Trading) Act (Cap 52A)

You agree to indemnify, defend, and hold harmless INFINISPHERE CONSULTING PTE. LTD., its directors, employees, agents, and contractors from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) directly arising from:

• Your use of our Services in violation of these Terms
• Your wilful or negligent violation of any applicable law or third-party rights
• Any materially false, misleading, or fraudulent information you deliberately provide through our platform

This indemnification obligation does not apply to the extent that any loss is caused or contributed to by our own negligence, breach of contract, or wilful misconduct. This clause does not override or limit any rights you have as a consumer under Singapore law.

Legal basis: Unfair Contract Terms Act (Cap 396) — Indemnity Reasonableness Test (Section 4)

12.1 Our Right to Update

We reserve the right to update these Terms from time to time to reflect changes in our business, Services, legal obligations, or platform technology. The most current version of these Terms will always be available on our website.

12.2 Notice of Material Changes

For material changes to these Terms (i.e., changes that affect your rights, obligations, or the nature of the Services), we will:

• Send you an email notice to your registered email address at least 14 calendar days before the changes take effect
• Display a prominent notice on our platform
• Update the “Last Updated” and “Effective Date” fields of these Terms
• Where required by law, seek your renewed consent for any fundamentally new processing activities

12.3 Your Options on Changes

If you do not agree to the revised Terms, you must stop using our Services before the effective date of the changes. Refunds for unused paid Services will be considered on a case-by-case basis where you discontinue use due to a material change you object to. Your continued use of our Services after the effective date of an update constitutes acceptance of the revised Terms.

We distinguish between editorial updates (formatting, clarifications) and material changes (new fees, new rights waivers, new data uses). Only material changes trigger the 14-day email notice obligation.

13.1 Termination by Us — Grounds

We may suspend or permanently terminate your access to our Services if:

• You breach any provision of these Terms, particularly the prohibited conduct in Section 6.2
• You engage in fraudulent, abusive, or unlawful behaviour in connection with our Services
• We are required to do so by applicable law or regulatory order
• You provide materially false information during registration or assessment

Where we terminate your access, we will:

• Notify you by email, stating the specific grounds for termination
• Where termination is for breach, provide you an opportunity to remedy the breach within 7 days (where the breach is capable of being remedied and where this does not pose an ongoing risk to us or other users)
• Process any refund due to you under Section 4 for Services not yet delivered at the time of termination

We will not terminate your access arbitrarily or without documented grounds. Termination is not used as a mechanism to avoid refund obligations.

13.2 Termination by You

You may stop using our Services at any time. If you wish to formally close your account and request deletion of your personal data, please contact us at contact@infinisphere.tech. Data deletion will proceed in accordance with Privacy Policy v2.1, Section 9.5.

13.3 Survival of Terms Post-Termination

The following provisions shall survive the termination or expiry of these Terms: Section 7 (Intellectual Property), Section 9 (Disclaimers), Section 10 (Limitation of Liability), Section 11 (Indemnification), Section 14 (Dispute Resolution), and Section 8.3 (Data Breach Notification obligations).

14.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Singapore, including the Contract Law of Singapore, the Consumer Protection (Fair Trading) Act (Cap 52A), the Unfair Contract Terms Act (Cap 396), and the Electronic Transactions Act (Cap 88).

14.2 Tiered Dispute Resolution — Step Approach

We are committed to resolving disputes efficiently and amicably. The following tiered approach applies:

1. STEP 1 — Direct Resolution (Mandatory First Step): Contact us at contact@infinisphere.tech or +65 83136034 with a written description of your dispute. We will acknowledge your complaint within 3 business days and endeavour to resolve it within 14 business days. Most disputes are resolved at this stage.
2. STEP 2 — Mediation (Strongly Encouraged): If direct resolution fails, either party may refer the dispute to the Singapore Mediation Centre (SMC) (www.mediation.com.sg) for mediation. Mediation is a confidential, non-binding process. Costs are shared equally unless otherwise agreed. We commit to participating in mediation in good faith.
3. STEP 3 — Litigation (Last Resort): If mediation is unsuccessful or either party declines mediation (with reasons provided in writing), the dispute shall be submitted to the exclusive jurisdiction of the courts of Singapore.

14.3 Jurisdiction

For any matter that proceeds to court, you and we both submit to the exclusive jurisdiction of the Singapore courts. This does not affect any mandatory consumer protection rights available to you under applicable law.

Legal basis: Singapore Civil Law Act (Cap 43); Supreme Court of Judicature Act (Cap 322); Singapore Mediation Centre Rules 2014

15.1 Statutory Rights Preserved

Nothing in these Terms limits, excludes, or modifies any right or remedy you have as a consumer under Singapore's Consumer Protection (Fair Trading) Act (Cap 52A) (“CPFTA”) or any other applicable consumer protection legislation. In particular:

• You retain the right to seek redress from us for unfair trade practices as defined in the CPFTA
• You retain the right to pursue a claim through the Singapore courts or applicable consumer tribunals regardless of any provision in these Terms
• We will not engage in any practice that constitutes an unfair practice under the CPFTA, including misleading representations about our Services or unconscionable conduct

15.2 Severability of Unfair Terms

If any provision of these Terms is found to be unfair, unreasonable, invalid, or unenforceable under Singapore law (including under the UCTA), that provision shall be modified to the minimum extent necessary to make it enforceable, or severed from these Terms, without affecting the validity and enforceability of the remaining provisions.

15.3 CASE (Consumers Association of Singapore)

If you are not satisfied with our response to your complaint, you may contact the Consumers Association of Singapore (CASE) for advice and assistance. CASE can be reached at case.org.sg or 1800 773 3518 (toll-free within Singapore).

Legal basis: Consumer Protection (Fair Trading) Act (Cap 52A) — Sections 4, 6, and 11

We shall not be in breach of these Terms, nor liable for any failure or delay in performing our obligations, to the extent that such failure or delay is caused by circumstances beyond our reasonable control (“Force Majeure Event”). Force Majeure Events include but are not limited to:

• Natural disasters, acts of God, fires, floods, or earthquakes
• Government actions, regulations, sanctions, or regulatory orders
• Internet infrastructure failures or major third-party platform outages (including Stripe, Anthropic, or Vercel)
• Acts of terrorism, civil unrest, or war
• Pandemics, epidemics, or public health emergencies declared by the Singapore Ministry of Health or WHO

In the event of a Force Majeure Event affecting our ability to deliver a paid Service:

• We will notify you as soon as reasonably practicable
• We will use commercially reasonable efforts to deliver the Service once the Force Majeure Event resolves
• If the Force Majeure Event continues for more than 30 consecutive days and prevents delivery of a paid Service, you may request a full refund of the amount paid for the undelivered Service

Legal basis: Frustrated Contracts Act (Cap 115) — Statutory framework for frustrated contracts under Singapore law

17.1 Entire Agreement

These Terms, together with our Privacy Policy v2.1, and any specific service agreements or booking confirmations issued by us, constitute the entire agreement between you and INFINISPHERE CONSULTING PTE. LTD. regarding your use of our Services. They supersede all prior negotiations, representations, agreements, or understandings, whether oral or written.

17.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable in any respect under Singapore law, such invalidity shall not affect the remaining provisions, which shall continue in full force and effect.

17.3 Waiver

No failure or delay by us to exercise any right or remedy under these Terms shall operate as a waiver of that right or remedy. No single or partial exercise of any right or remedy shall preclude any further exercise of that right or remedy.

17.4 Assignment

You may not assign, transfer, or sub-contract any of your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to a successor entity in the event of a business transfer, merger, or acquisition, provided the successor entity agrees to be bound by these Terms in respect of your account.

17.5 Relationship of Parties

Nothing in these Terms creates a partnership, joint venture, agency, employment, or franchise relationship between you and us. You and we are independent parties.

For questions, complaints, or requests relating to these Terms or our Services:

These Terms and Conditions are the property of INFINISPHERE CONSULTING PTE. LTD. and are subject to annual legal review.