Terms and Conditions

1. Legal Responsibilities

As a user of our website and services, you agree to:

• • Comply with all applicable local, national, and international laws and regulations
• • Provide accurate, current, and complete information when communicating with us
• • Maintain the security and confidentiality of any account credentials (if applicable)
• • Promptly update us if any information you have provided changes
• • Use our services in good faith and for legitimate business purposes

2. Prohibited Activities and Behaviors

You expressly agree not to:

• • Use our website or services for any unlawful purpose or to solicit others to perform unlawful acts
• • Violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• • Infringe upon or violate our intellectual property rights or the intellectual property rights of others
• • Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• • Submit false or misleading information
• • Upload or transmit viruses or any other type of malicious code
• • Collect or track personal information of others without authorization
• • Spam, phish, pharm, pretext, spider, crawl, or scrape our website
• • Use our website or services for any obscene or immoral purpose
• • Interfere with or circumvent the security features of our website or services

3. Content Guidelines and Restrictions

Any content you submit through our website must be appropriate, respectful, and relevant to our professional services. We reserve the right to remove any content that violates these guidelines or is otherwise objectionable at our sole discretion.

4. Age Restrictions and Requirements

Our services are intended for businesses and individuals who are at least 18 years of age and have the legal capacity to enter into binding contracts. By using our website, you represent that you meet these requirements.

5. Compliance with Laws and Regulations

You are responsible for ensuring that your use of our website and services complies with all applicable laws in your jurisdiction. This includes but is not limited to data protection laws, tax regulations, and professional standards that may apply to your business activities.

6. Indemnification Obligations

You agree to indemnify, defend, and hold harmless Cipher Poise, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of our website or services, your violation of these Terms and Conditions, or your violation of any third-party rights.

7. Privacy and Data Protection

You are responsible for ensuring that any personal data you provide to us or that we process on your behalf is collected and processed in accordance with applicable data protection laws. Our handling of your personal data is governed by our Privacy Policy, which forms part of these Terms and Conditions.

8. Third-Party Interactions

Your interactions with third parties found on or through our website, including payment processors, service providers, or other users, are solely between you and such third parties. You agree that Cipher Poise shall not be responsible or liable for any loss or damage incurred as a result of such interactions.

9. Disclaimer of Warranties

Our website and the information provided are offered on an "as is" and "as available" basis. To the fullest extent permitted by law, Cipher Poise disclaims all warranties, express or implied, including but not limited to:

• • Implied warranties of merchantability and fitness for a particular purpose
• • Warranties that the website will be uninterrupted, timely, secure, or error-free
• • Warranties regarding the accuracy, reliability, or completeness of information
• • Warranties that defects will be corrected

10. Limitation of Liability

To the maximum extent permitted by applicable law, Cipher Poise, its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses resulting from your access to or use of or inability to access or use our website or services.

11. Consequential Damages Exclusion

In no event shall our total liability to you for all damages, losses, or causes of action exceed the amount you have paid to Cipher Poise in the twelve months prior to the claim, or SGD 100, whichever is greater. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

12. Force Majeure Provisions

Cipher Poise 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, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

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. You agree to submit to the exclusive jurisdiction of the courts located in Singapore for the resolution of any disputes arising from these terms or your use of our website or services.

14. Dispute Resolution Procedures

In the event of any dispute arising from these Terms and Conditions or your use of our services, you agree to first attempt to resolve the dispute informally by contacting us. If the dispute cannot be resolved informally within 30 days, either party may initiate formal dispute resolution proceedings in accordance with Singapore law.

15. Severability Clause

If any provision of these Terms and Conditions is held to be unlawful, void, or unenforceable, that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of the remaining provisions. The invalid or unenforceable provision shall be replaced with a valid, enforceable provision that most closely matches the intent of the original provision.

16. Terms Modification Policy

We reserve the right to modify or replace these Terms and Conditions at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our website after revisions become effective, you agree to be bound by the revised terms.

17. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices or policies published by us on the website, constitute the entire agreement between you and Cipher Poise regarding your use of our website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding such subject matter.

18. Waiver

Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. No waiver shall be effective unless made in writing and signed by an authorized representative of Cipher Poise.

19. Assignment

You may not assign or transfer these Terms and Conditions or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms and Conditions at any time without notice. Any attempted assignment in violation of this section shall be null and void.

20. Contact for Legal Matters

If you have any questions about these Terms and Conditions or need to contact us regarding legal matters, please use the contact information provided at the top of this page. We will respond to legal inquiries within a reasonable timeframe.