Terms & Conditions

1. Introduction and Acceptance

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Prism Ledger ("we," "us," or "our") governing your engagement of our digital capital management advisory services. By engaging our services, accessing our website, or communicating with our team, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree with any part of these Terms, you should not engage our services or use our website. These Terms apply to all services provided by Prism Ledger, including but not limited to Asset Landscape Education, Integration Planning, and Annual Strategic Review services.

2. Definitions

For the purposes of these Terms:

• "Services" means the digital asset advisory services provided by Prism Ledger, including education, strategic planning, and portfolio review
• "Client" means any individual or entity that engages our Services
• "Advisory Materials" means documents, analyses, recommendations, and other materials provided as part of our Services
• "Digital Assets" means cryptocurrencies, tokens, and other blockchain-based assets
• "Engagement" means the formal agreement to provide specific Services to a Client

3. Service Description and Scope

Prism Ledger provides advisory services focused on education, strategic planning, and ongoing review related to digital asset considerations. Our services include:

• Asset Landscape Education: Structured learning programs covering digital asset concepts and market dynamics
• Integration Planning: Strategic advisory on incorporating digital assets into existing financial structures
• Annual Strategic Review: Comprehensive yearly assessment of digital asset strategy and portfolio alignment

We do not:

• Execute transactions or provide brokerage services
• Custody or hold digital assets on behalf of clients
• Provide legal, tax, or accounting advice (though we may discuss general considerations and recommend consulting appropriate professionals)
• Make investment decisions on behalf of clients

4. Client Eligibility and Responsibilities

4.1 Age Requirement

You must be at least 18 years of age to engage our Services. By engaging our Services, you represent and warrant that you meet this age requirement.

4.2 Information Accuracy

You agree to provide accurate, complete, and current information about your financial circumstances, objectives, and risk tolerance. The quality of our advisory services depends significantly on the accuracy of information you provide. You must promptly notify us of any material changes to your circumstances.

4.3 Independent Decision-Making

You acknowledge that our Services are advisory in nature and that all final decisions regarding digital asset allocation, sizing, timing, and management remain your sole responsibility. You are responsible for conducting additional due diligence and consulting other professionals as appropriate.

5. Payment Terms

5.1 Fees and Currency

Service fees are stated in Singapore Dollars (SGD) and are as follows:

• Asset Landscape Education: S$780
• Integration Planning: S$1,950
• Annual Strategic Review: S$1,100

5.2 Payment Timing

Payment is due upon engagement confirmation before Services commence. We accept bank transfers, credit cards, and other payment methods as agreed.

5.3 Fee Changes

We reserve the right to modify our fee structure for future engagements. Fee changes do not apply to Services already contracted and paid for. We will provide notice of fee changes on our website or through direct communication.

5.4 Taxes

Fees are exclusive of applicable taxes, which will be charged in addition to stated fees where required by Singapore tax regulations.

6. Refund Policy

We are committed to delivering high-quality advisory services. If you are dissatisfied with our Services:

• Full refunds are available if requested within 7 days of engagement commencement and before substantial work has begun
• Partial refunds may be considered on a case-by-case basis for incomplete Services, prorated based on work completed
• No refunds are available for completed Services or Services delivered more than 30 days prior to refund request
• Refunds are processed within 14 business days of approval to the original payment method

We encourage clients to communicate concerns early so we can address issues before refund requests become necessary.

7. Disclaimers and Limitations

7.1 No Guarantees

We provide advisory services based on our professional judgment and analysis. However, we make no guarantees, warranties, or representations regarding:

• Future performance of digital assets or portfolios
• Achievement of specific financial outcomes or objectives
• Market behavior, regulatory developments, or technology evolution
• Accuracy of third-party information or data sources

7.2 Service Provision "As Is"

Our Services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our Services will be uninterrupted, error-free, or meet your specific requirements.

7.3 Liability Limitations

To the maximum extent permitted by Singapore law, our total liability arising from or related to these Terms or the Services shall not exceed the amount of fees paid by you for the specific Service giving rise to the claim. We shall not be liable for:

• Indirect, incidental, consequential, or punitive damages
• Lost profits, revenue, or investment losses
• Loss of data or business interruption
• Damages arising from your reliance on third-party information
• Circumstances beyond our reasonable control

7.4 Risk Assumption

You acknowledge that digital asset investment involves substantial uncertainty and potential for loss. Market values can decline significantly, regulatory environments can change unfavorably, and technology implementations can fail. You assume all responsibility for decisions made regarding digital asset allocation based on our advisory services.

8. Intellectual Property

All Advisory Materials, methodologies, processes, and content provided as part of our Services remain the intellectual property of Prism Ledger. You receive a limited, non-exclusive, non-transferable license to use Advisory Materials solely for your personal financial decision-making purposes.

You may not reproduce, distribute, modify, create derivative works, publicly display, or otherwise exploit Advisory Materials for commercial purposes or share them with third parties without our prior written consent.

9. Confidentiality

We maintain strict confidentiality regarding all client information, portfolio positions, and strategic discussions. We will not disclose confidential information except:

• With your explicit written consent
• As required by law or regulatory authorities
• To professional advisors bound by confidentiality obligations
• To service providers under confidentiality agreements necessary for Service delivery

10. Termination

Either party may terminate an Engagement:

• By providing 14 days written notice to the other party
• Immediately if the other party materially breaches these Terms
• Immediately if continuing the Engagement becomes unlawful

Upon termination:

• Fees for completed Services remain due and payable
• We will provide Advisory Materials for work completed to date
• Confidentiality obligations survive termination indefinitely
• You retain rights to use previously provided Advisory Materials as licensed

11. Dispute Resolution

11.1 Informal Resolution

Before pursuing formal dispute resolution, both parties agree to attempt good-faith informal resolution by contacting [email protected] and engaging in discussion to resolve the matter.

11.2 Mediation

If informal resolution fails, disputes shall be submitted to mediation in Singapore under the Singapore Mediation Centre rules. Mediation costs shall be shared equally unless otherwise agreed.

11.3 Arbitration

If mediation does not resolve the dispute within 60 days, the matter shall be submitted to binding arbitration in Singapore under the Singapore International Arbitration Centre rules. The arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding.

11.4 Governing Law and Jurisdiction

These Terms are governed by the laws of Singapore. The courts of Singapore shall have exclusive jurisdiction over any disputes not resolved through mediation or arbitration.

12. General Provisions

12.1 Entire Agreement

These Terms, together with our Privacy Policy and any specific Service agreements, constitute the entire agreement between you and Prism Ledger regarding the Services and supersede all prior agreements or understandings.

12.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely approximates the original intent.

12.3 No Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative.

12.4 Assignment

You may not assign or transfer these Terms or your rights thereunder without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets with notice to you.

12.5 Notice Requirements

All notices under these Terms must be in writing and sent to:

12.6 Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms resulting from circumstances beyond our reasonable control, including natural disasters, war, terrorism, pandemics, or government actions.

12.7 Modifications

We reserve the right to modify these Terms at any time. We will notify clients of material changes via email or website notice. Continued use of our Services after changes constitutes acceptance of modified Terms. Changes do not apply retroactively to existing Engagements.