© AnC Corporate Services Private Limited. All rights reserved.

Last Updated: January 1, 2026

Effective Date: January 1, 2026

1. Agreement and Acceptance

These Terms of Use ("Terms", "this Agreement") constitute a legally binding agreement between you ("User", "you", or "your") and AnC Corporate Services Private Limited ("Company", "we", "us", or "our").

By accessing, browsing, or using our website ([insert website URL]), services, and related platforms ("Website" or "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to any part of these Terms, you must not use our Website or Services.

These Terms apply regardless of:

• How you access our Website (desktop, mobile, app, or any device)
• Your location or jurisdiction
• Whether you are a registered user or casual visitor

If you are using our Services on behalf of a company, organisation, or business entity, you represent and warrant that you have the legal authority to bind that entity to these Terms.

2. Changes to Terms

We reserve the right to modify, update, or amend these Terms at any time, at our sole discretion. Material changes will be communicated to you via:

• A notice posted on our Website
• Email notification to registered users
• At least 30 days' notice before changes take effect

Your continued use of the Website or Services following such notice constitutes your acceptance of the updated Terms. If you object to any changes, you may discontinue use of our Services. We encourage you to review these Terms periodically to stay informed of any updates.

3. Use License and Restrictions

3.1 Grant of License

Subject to your compliance with these Terms and applicable laws, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our Website and Services for lawful purposes
• View, read, and interact with content on our Website
• Download content (if explicitly permitted) for personal, non-commercial use only
• Create a user account (if applicable) to access additional features

3.2 Prohibited Uses

You agree not to:

• Use the Website or Services for any unlawful, illegal, or fraudulent purpose
• Violate any applicable laws, regulations, or third-party rights
• Harass, abuse, threaten, defame, or discriminate against any person or entity
• Infringe on intellectual property rights (copyright, trademark, patent, trade secrets)
• Transmit viruses, malware, or any harmful code
• Attempt to gain unauthorised access to our systems (hacking, unauthorised login, etc.)
• Scrape, crawl, or automatically extract data from our Website without permission
• Reverse-engineer, decompile, or attempt to discover the source code of our Services
• Resell, distribute, or commercialise our Services without authorisation
• Interfere with or disrupt the normal operation of our Website or Services
• Create multiple accounts for deceptive or fraudulent purposes
• Impersonate any person or entity
• Spam, send unsolicited communications, or abuse our contact forms
• Publicly disparage or misrepresent our Services, reputation, or brand

3.3 Suspension and Termination of Access

We reserve the right to suspend, restrict, or terminate your access to our Website and Services immediately and without notice if:

• You violate these Terms or applicable laws
• Your conduct poses a security or reputational risk to us
• We receive legal demands or regulatory directives
• Your account is involved in fraudulent, illegal, or harmful activity

Termination does not relieve you of obligations incurred before termination (e.g., payment obligations).

4. User Accounts and Registration

4.1 Account Registration

If you create a user account, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your login credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorised use of your account
• Comply with all account-related policies and terms

4.2 Account Security

• You are responsible for maintaining the security of your username, password, and any authentication methods
• We are not liable for unauthorised access resulting from your failure to safeguard credentials
• You agree to notify us immediately of any suspected unauthorised access or breach

4.3 Account Termination

You may terminate your account at any time by contacting us (Section 12). We may terminate or suspend accounts that:

• Remain inactive for an extended period (180+ days)
• Violate these Terms
• Engage in fraudulent or illegal activity
• Are associated with spam, abuse, or harmful conduct

Upon termination, you lose access to your account and associated data (subject to Section 6 regarding data retention).

5. Intellectual Property Rights

5.1 Company Ownership

All content on our Website and within our Services, including but not limited to:

• Text, graphics, logos, images, and designs
• Software code and technology
• Trademarks, service marks, and brand names
• Databases, compilations, and arrangements
• Videos, audio, and multimedia content
• Written materials, reports, and documents

...is the exclusive property of AnC Corporate Services Private Limited or our licensors and is protected by international copyright, trademark, patent, and other intellectual property laws.

5.2 Limited License to Users

We grant you a limited license to view and use content for:

• Personal, non-commercial purposes only
• Lawful educational or professional reference
• Subject to these Terms

This license does not include:

• Downloading or storing copyrighted content without permission
• Reproducing, modifying, or creating derivative works
• Distributing, selling, or licensing content to third parties
• Using content for commercial purposes
• Removing copyright or proprietary notices

5.3 User-Generated Content

5.3.1 Content You Submit

If you submit, post, or contribute content to our Website or Services ("User Content"), you represent and warrant that:

• You own or have the right to use and license the content
• The content does not infringe third-party intellectual property or privacy rights
• The content is not obscene, defamatory, hateful, or illegal
• You have obtained necessary consents from any individuals featured in the content

5.3.2 License Grant

By submitting User Content, you grant us a:

• Worldwide, non-exclusive, royalty-free, perpetual license to use, reproduce, modify, distribute, and display your User Content in connection with our Services
• Right to sublicense to our service providers and partners
• Right to use your content for marketing, promotional, or archival purposes

You retain ownership of your User Content but grant us these broad usage rights.

5.3.3 No Obligation to Monitor

We are not obligated to monitor, review, or moderate User Content. However, we reserve the right to:

• Remove, edit, or refuse to publish User Content at our discretion
• Investigate and take action against content violating these Terms
• Cooperate with law enforcement regarding illegal content

5.4 Trademark Usage

You may not use our trademarks, service marks, or logos without:

• Prior written consent from us
• Compliance with our trademark usage guidelines
• Clear attribution and disclaimers

Unauthorised use of our trademarks may result in legal action.

6. Services and Content

6.1 "As-Is" Basis

Our Website and Services are provided on an "AS-IS" and "AS-AVAILABLE" basis without warranties of any kind, express or implied. We make no guarantees regarding:

• Availability, reliability, or continuity of Services
• Accuracy, completeness, or timeliness of content
• Freedom from errors, bugs, or viruses
• Fitness for a particular purpose
• Non-infringement of third-party rights

6.2 Disclaimer of Warranties

To the fullest extent permitted by law, we disclaim:

• All implied warranties (merchantability, fitness for purpose, non-infringement)
• Warranties that Services will be uninterrupted or error-free
• Warranties regarding the results of using our Services
• Warranties about the reliability of third-party services or links

6.3 Content Accuracy and Professional Advice

Important: Our Website may contain general information, opinions, or insights. This content is:

• Not professional advice (legal, financial, medical, accounting, etc.)
• Not a substitute for professional consultation with licensed practitioners
• Provided for informational purposes only

You should:

• Consult qualified professionals before making business or legal decisions
• Verify information independently
• Not rely solely on our content for critical decisions
• Seek legal or professional counsel for specific situations

7. Limitation of Liability

7.1 Exclusion of Damages

To the maximum extent permitted by law, we are not liable for:

• Indirect damages: Lost profits, lost revenue, lost business opportunity, lost data
• Consequential damages: Damages arising from or related to your use of our Services
• Special or punitive damages: Even if we were advised of the possibility of such damages
• Damages from third-party actions: Hacking, malware, or unauthorised access

7.2 Liability Cap

Regardless of the legal theory (contract, tort, negligence, etc.), our total liability to you for all claims arising from these Terms or your use of our Services shall not exceed:

• The amount you paid us in the 12 months preceding the claim, or
• SGD 100 (if you have not made any payments to us)

This cap applies to the aggregate of all claims and does not limit our liability for gross negligence, fraud, or intentional misconduct.

7.3 Jurisdictional Variations

Some jurisdictions do not allow the exclusion or limitation of liability. If local law prohibits any of these limitations:

• These limitations will apply to the maximum extent permitted by law
• Your statutory rights remain unaffected

8. Indemnification

You agree to indemnify, defend, and hold harmless AnC Corporate Services Private Limited and its officers, directors, employees, agents, and representatives from and against:

• Any claims, damages, losses, or liabilities arising from:
• Your violation of these Terms
• Your violation of applicable laws or third-party rights
• Your User Content
• Your use of our Services
• Your conduct or negligence
• Attorney's fees, court costs, and settlement expenses
• Any third-party claims or regulatory actions

This indemnification survives termination of these Terms.

9. Third-Party Links and Services

9.1 External Links

Our Website may contain links to third-party websites, services, and resources. We are not responsible for:

• The content, accuracy, or legality of third-party websites
• Their privacy practices or terms of use
• Any products, services, or information they provide
• Loss or damage arising from your use of linked sites

9.2 Third-Party Services

If you use third-party services integrated with our Services:

• You agree to their separate terms and conditions
• We are not liable for their conduct, performance, or failures
• You are responsible for reviewing their privacy policies and terms

9.3 No Endorsement

Inclusion of links does not constitute endorsement, approval, or partnership with linked websites or services.

10. Data and Privacy

10.1 Privacy Policy

Our collection and use of personal data is governed by our Privacy Policy (Section 11 for contact details). Please review it to understand our data practices.

10.2 Your Responsibilities

You are responsible for:

• Protecting your personal data and login credentials
• Reviewing your account settings and privacy preferences
• Notifying us of any data security concerns

10.3 Data Retention and Deletion

• We retain your data in accordance with our Privacy Policy and applicable law
• Upon termination, we may delete your account data subject to legal obligations
• Some data may be retained for legal, compliance, or legitimate business purposes

11. Dispute Resolution and Governing Law

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law principles.

11.2 Jurisdiction

You irrevocably submit to the exclusive jurisdiction of the courts of Singapore for:

• Resolution of any disputes arising from these Terms
• Enforcement of rights or remedies
• Any legal proceedings

11.3 Dispute Resolution Process

Before initiating legal proceedings, we encourage you to:

1. Contact us informally (Section 12) to discuss the issue
2. Attempt negotiation in good faith for 30 days
3. Pursue mediation if negotiation fails (optional)
4. Escalate to formal legal proceedings if dispute remains unresolved

11.4 Waiver of Class Action

To the extent permitted by law, you agree that disputes will be resolved on an individual basis and not as class actions, collective claims, or representative actions. You waive the right to participate in class action lawsuits against us.

11.5 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction:

• That provision shall be severed and removed
• Remaining provisions continue in full force and effect
• The invalid provision shall be reformed to the minimum extent necessary for validity

12. Contact Information

For inquiries, disputes, or concerns regarding these Terms of Use, please contact:

Mr Yeo Keng Nien

Data Protection Officer

• Email: ask_anc [at] anccorp.com.sg

Response Time: We aim to respond to inquiries within 7–10 business days.

13. Miscellaneous Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and us regarding your use of our Website and Services. They supersede all prior negotiations, agreements, and understandings.

13.2 Waiver

The failure of either party to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. No waiver is effective unless in writing and signed by the party against whom the waiver is sought.

13.3 Notices

Any notices or communications required under these Terms should be:

• Sent via email to the address in Section 12
• Sent via postal mail to our registered office address
• Considered delivered upon receipt

We may provide notices to you via email, website notice, or other reasonable means.

13.4 Assignment

• You may not assign these Terms or your rights/obligations without our prior written consent
• We may assign these Terms to any successor, affiliate, or buyer of our business
• Any unauthorised assignment is void

13.5 Force Majeure

We are not liable for delays or failures in performance due to causes beyond our reasonable control, including:

• Natural disasters, pandemics, or epidemics
• War, terrorism, or civil unrest
• Government actions or sanctions
• Internet or infrastructure failures
• Strikes or labour disputes

13.6 Survival

Provisions that by their nature should survive termination will continue in effect after termination, including:

• Intellectual Property Rights (Section 5)
• Limitation of Liability (Section 7)
• Indemnification (Section 8)
• Governing Law and Jurisdiction (Section 11)
• Data and Privacy (Section 10)

13.7 Counterparts and Electronic Signatures

These Terms may be executed in counterparts and by electronic signature, each of which constitutes an original and all of which together constitute one instrument.

14. Prohibited Conduct Summary

As a reminder, you agree not to:

✗ Use our Services for illegal, fraudulent, or harmful purposes

✗ Infringe intellectual property rights

✗ Transmit viruses, malware, or harmful code

✗ Attempt unauthorised access (hacking, brute-force attacks)

✗ Scrape or extract data without permission

✗ Spam, harass, or abuse our systems or users

✗ Impersonate others or misrepresent your identity

✗ Interfere with the normal operation of our Services

✗ Create multiple accounts deceptively

✗ Use our Services on behalf of prohibited parties (sanctions, embargoes)

15. Acknowledgement and Acceptance

15.1 Your Understanding

By clicking "I Agree", checking a box, or continuing to use our Website and Services, you acknowledge that:

• You have read and understood these Terms of Use
• You have the legal capacity to enter into this agreement
• You agree to be bound by all provisions
• You have the authority to bind any entity on whose behalf you use our Services

15.2 No Waiver of Rights

Nothing in these Terms waives any statutory rights or protections afforded to you under applicable law (e.g., consumer protection laws, data protection laws).

16. Contact and Feedback

We welcome your feedback, suggestions, and inquiries. You can reach us at the contact details provided in Section 12.

Note: Any feedback, suggestions, or ideas you provide us may be used by us without compensation or attribution, unless you have a separate written agreement with us.

© AnC Corporate Services Private Limited. All rights reserved.