Terms and Conditions

1. Legal Compliance

You agree to comply with all applicable laws and regulations when using our services, including but not limited to:

• • Local, state, national, and international laws governing financial record-keeping
• • Tax regulations and reporting requirements in your jurisdiction
• • Data protection and privacy laws applicable to your business
• • Professional standards and regulations relevant to your industry

2. Prohibited Activities and Behaviors

You shall not engage in any of the following activities:

• • Using our services for any unlawful or fraudulent purpose
• • Providing false, inaccurate, or misleading information
• • Attempting to circumvent security measures or access controls
• • Interfering with the proper functioning of our website or services
• • Engaging in money laundering, tax evasion, or other financial crimes
• • Violating the intellectual property rights of others

3. Content Guidelines and Restrictions

When providing information or content to us, you must ensure that:

• • All information provided is accurate, complete, and current
• • You have the legal right to provide such information to us
• • Content does not violate any third-party rights or applicable laws
• • You update information promptly when changes occur

4. Age Restrictions and Requirements

Our services are intended for use by individuals who are at least 18 years of age or the age of majority in their jurisdiction. By using our services, you represent and warrant that you meet these age requirements and have the legal capacity to enter into binding contracts.

5. Professional Conduct

You agree to maintain professional and respectful conduct in all interactions with our staff and systems. This includes:

• • Communicating in a courteous and professional manner
• • Providing timely responses to requests for information or clarification
• • Respecting the time and expertise of our professional staff

6. Indemnification Obligations

You agree to indemnify, defend, and hold harmless Compass Tenet, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of our services, your violation of these terms, or your violation of any rights of another party.

7. Privacy and Data Protection

You acknowledge and agree that:

• • You have read and understood our Privacy Policy
• • You consent to the collection and use of your information as described in our Privacy Policy
• • You will protect the confidentiality of any account credentials or access information
• • You have obtained necessary consents to provide third-party information to us

8. Third-Party Interactions

When our services involve interactions with third parties, you acknowledge that such third parties may have their own terms and conditions. We are not responsible for the actions, content, or services of third parties, and your interactions with them are solely at your own risk.

11. Consequential Damages Exclusion

In no event shall we be liable for any consequential, incidental, indirect, exemplary, punitive, or special damages of any kind, regardless of the form of action, whether based on contract, tort, negligence, strict liability, or otherwise, even if advised of the possibility of such damages.

12. Force Majeure Provisions

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, labor disputes, power failures, internet service provider failures, or government actions.

13. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Singapore.

14. Dispute Resolution Procedures

In the event of any dispute arising from these terms or our services:

• • The parties shall first attempt to resolve the dispute through good-faith negotiation
• • If negotiation fails, the parties may agree to mediation before pursuing litigation
• • Each party shall bear its own costs in connection with dispute resolution
• • Nothing in this section limits either party's right to seek injunctive relief

15. Severability Clause

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, the provision shall be severed from these terms. The remainder of these terms shall continue in full force and effect.

16. Terms Modification Policy

We reserve the right to modify these Terms and Conditions at any time. When we make changes:

• • We will post the updated terms on our website
• • We will update the "Effective Date" at the top of this page
• • For material changes, we will provide notice through our website or via email
• • Your continued use after changes constitutes acceptance of the modified terms

17. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Compass Tenet regarding your use of our services and supersede all prior agreements and understandings, whether written or oral.

18. Assignment

You may not assign or transfer these Terms and Conditions or any rights granted hereunder without our prior written consent. We may assign our rights and obligations under these terms without restriction.

19. Waiver

No waiver of any term or condition of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision.