Terms of Service

1. About These Terms
These Terms of Service (“Terms”) govern your access to and use of the HorizonCross Advisory website.
 
This website is operated by HorizonCross Advisory Pte. Ltd. (“HorizonCross”, “we”, “us” or “our”).
 
By accessing or using this website, you agree to use it in accordance with these Terms and applicable law.
 
2. Purpose of This Website
This website provides general information about HorizonCross, our approach, areas of work and selected perspectives.
 
The content is intended to provide context about the firm and the types of questions we may work with. It is not intended to provide advice for any particular person, transaction or situation.
 
3. No Professional Advice
Content on this website is general in nature and should not be relied upon as legal, tax, financial, investment, immigration, regulatory or other professional advice.
 
Cross-border matters can depend materially on individual circumstances, applicable laws, regulations, jurisdictions and professional assessments.
 
Where specialist or regulated expertise is required, HorizonCross may work with appropriate independent professionals.
 
You should obtain advice appropriate to your circumstances before acting on information contained on this website.
 
4. No Advisory Relationship
Accessing this website, reading its content, contacting HorizonCross or submitting an enquiry does not by itself create an advisory, fiduciary, professional or client relationship.
 
An engagement with HorizonCross arises only where the scope and terms of that engagement have been separately agreed.
 
Where a separate engagement agreement exists, that agreement will govern the services provided under that engagement.
 
5. Enquiries
Information submitted through the Private Conversation form or by email is reviewed for the purpose of understanding the enquiry and assessing whether HorizonCross may be able to contribute useful perspective.
 
Submission of an enquiry does not oblige HorizonCross to accept an engagement or provide advice.
 
Until an engagement has been confirmed, you should not rely on HorizonCross as having undertaken responsibility for any matter, deadline, transaction or decision.
 
6. Information and Perspectives
We seek to present information and commentary carefully, but laws, regulations, policies, market conditions and other circumstances can change.
 
We do not represent that all information on this website will remain current, complete or suitable for every purpose.
 
Perspectives, articles and commentary reflect analysis at the time they are prepared and may subsequently become outdated.
 
7. Third-Party Professionals and Services
HorizonCross may refer to or work with independent legal, tax, investment, immigration, financing and other professional advisers where appropriate.

Unless expressly agreed otherwise, such professionals are independent parties and are responsible for their own advice, services and professional obligations.

References to third-party organisations, professionals, products or services on this website do not constitute a guarantee, endorsement or representation regarding their suitability for any particular person or situation.

8. External Links
This website may contain links to third-party websites, publications or professional platforms.

These links are provided for information or convenience. HorizonCross does not control third-party websites and is not responsible for their availability, content, security, privacy practices or subsequent changes.

Access to third-party websites is subject to the terms and policies of the relevant third party.

9. Intellectual Property
Unless otherwise indicated, the content of this website, including text, original commentary, branding, design elements and other materials created for HorizonCross, is owned by or licensed to HorizonCross.

You may view and retain reasonable extracts for personal or internal business reference.

You may not reproduce, republish, commercially exploit, materially modify or present HorizonCross content as your own without prior permission, except where permitted by applicable law.

When sharing publicly accessible HorizonCross articles or commentary through normal platform-sharing functions, appropriate attribution should be retained.

10. Acceptable Use
You must not use this website in a manner that is unlawful, fraudulent or intended to interfere with the operation or security of the website.

You must not attempt to gain unauthorised access to the website, its systems or information submitted by other users.

11. Website Availability
We may modify, suspend, withdraw or update any part of the website without notice.

We do not guarantee that the website, or any particular content or functionality, will always be available or free from interruption or technical error.

12. Limitation of Responsibility
To the extent permitted by applicable law, HorizonCross is not responsible for loss arising solely from reliance on general website content without obtaining advice appropriate to the relevant circumstances.

Nothing in these Terms is intended to exclude or restrict liability where such exclusion or restriction would not be permitted by applicable law.

13. Privacy
Our collection and handling of personal data in connection with this website is described in our Privacy Policy.

14. Changes to These Terms
We may update these Terms from time to time to reflect changes to the website, our practices or applicable requirements.

The effective date shown at the top indicates when these Terms were last updated.

15. Governing Law
These Terms are governed by the laws of Singapore.

Subject to any rights or remedies that cannot lawfully be excluded, disputes relating to these Terms or the use of this website will be subject to the jurisdiction of the courts of Singapore.

16. Contact
Questions concerning these Terms may be directed to:

HorizonCross Advisory Pte. Ltd.
enquiries@horizoncrossadvisory.com