— Legal

Terms & Conditions

These Terms and Conditions ("Terms") govern your use of the website at merliona.live and any consulting services provided by Merlion Apex Pte. Ltd. ("Merlion Apex", "we", "us", or "our").

By accessing our website or engaging our services, you confirm that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are engaging on behalf of an organisation, you confirm that you have authority to bind that organisation to these Terms.

Please read these Terms carefully before proceeding. If you do not agree to any part of them, please refrain from using our website or services.

1. Definitions

In these Terms, the following definitions apply:

• "Service" means any consulting engagement offered by Merlion Apex, as described on our website or in an engagement scope document.
• "User" or "you" means any individual or organisation accessing this website or engaging Merlion Apex for a Service.
• "Website" means the website operated by Merlion Apex at merliona.live.
• "Content" means all text, documentation, reports, frameworks, and other materials produced or published by Merlion Apex.
• "Engagement" means a specific consulting project agreed between Merlion Apex and a client, governed by an agreed scope document.

2. Acceptance of Terms

Your use of this website constitutes acceptance of these Terms. For consulting engagements, acceptance is formalised when both parties have agreed to a written scope document, which incorporates these Terms by reference. These Terms apply in addition to any specific terms set out in an engagement scope document.

3. Description of Services

Merlion Apex provides business consulting services to organisations based in or operating from Singapore, including but not limited to strategic reviews, operational assessments, and governance advisory engagements. A summary of our current service offerings is available on our website at services.html.

We reserve the right to modify or discontinue any service at any time. We will communicate any material changes to clients with active engagements in advance and in good faith.

4. Consulting Engagements

4.1 Scope and Commencement

Each consulting engagement is governed by a written scope document agreed between Merlion Apex and the client. Work begins only after the scope has been confirmed in writing and any applicable fees have been received or a payment arrangement agreed.

4.2 Client Responsibilities

To enable effective delivery, clients are expected to:

• Provide accurate, complete, and timely information and access as agreed in the scope
• Make relevant personnel available for scheduled sessions and reviews
• Review and respond to draft deliverables within the timelines agreed in the scope
• Notify us promptly of any material changes in their business situation that may affect the engagement

4.3 Deliverables

Deliverables are as specified in the engagement scope document. We will make reasonable efforts to ensure accuracy and relevance; however, the value derived from deliverables depends in part on the quality and accuracy of information provided by the client.

4.4 Revision Process

Draft deliverables are shared for review prior to finalisation. Clients may request reasonable revisions within the scope of the engagement. Changes that fall outside the original scope may require a revised scope and additional fee arrangement.

5. Payment Terms

5.1 Fees

Engagement fees are as set out on our website or as agreed in writing. All fees are quoted in Singapore Dollars (SGD) and are inclusive of applicable taxes unless otherwise stated.

5.2 Payment Schedule

Payment terms will be specified in the engagement scope document. Unless otherwise agreed, fees are payable prior to commencement of work. We reserve the right to pause delivery if agreed payment milestones are not met.

5.3 Refund Policy

If an engagement has not yet commenced, a full refund will be issued upon written request. Once an engagement has commenced, fees are generally non-refundable for work already performed. Where we are unable to complete an engagement through circumstances within our control, we will refund fees for work not yet delivered on a pro-rated basis. Refund requests should be submitted to [email protected].

6. Intellectual Property

6.1 Our Intellectual Property

All website content, including text, design, structure, and underlying methodologies, is owned by or licensed to Merlion Apex. You may not reproduce, distribute, or create derivative works from any part of our website content without our prior written consent.

6.2 Engagement Deliverables

Upon payment in full, you receive a non-exclusive, non-transferable licence to use engagement deliverables for your own internal business purposes. Deliverables may not be resold, redistributed, or presented publicly as independent work without prior agreement.

6.3 Client Materials

Any documents, data, or other materials provided by you during an engagement remain your property. We will use them only as necessary to deliver the agreed scope and will handle them in accordance with our Privacy Policy and any confidentiality obligations in the engagement scope.

7. Confidentiality

Both parties agree to treat as confidential any non-public information shared in the course of an engagement. Merlion Apex will not reference client work in marketing materials, case studies, or external communications without your explicit prior consent. Confidentiality obligations survive the conclusion of an engagement for a period of three (3) years, unless a longer period is agreed in writing.

8. Disclaimers

Our consulting services are provided to assist your leadership team in making informed decisions. They do not constitute legal, financial, accounting, or regulatory advice. Recommendations and deliverables are based on information provided to us and our professional judgement at the time of the engagement. We do not warrant specific outcomes or results.

Our website is provided on an "as is" basis. While we aim to keep information current and accurate, we do not warrant that the website will be error-free, uninterrupted, or free of technical issues.

9. Limitation of Liability

To the extent permitted by Singapore law, Merlion Apex's aggregate liability to you in connection with any engagement or use of this website shall not exceed the fees paid by you for the relevant engagement, or SGD 500 in the case of website-only interactions.

We are not liable for any indirect, consequential, or incidental loss, including loss of profit, loss of data, or loss of business opportunity, whether arising in contract, tort, or otherwise, even if we have been advised of the possibility of such loss.

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any other matter that cannot be excluded by law.

10. Indemnification

You agree to indemnify and hold harmless Merlion Apex, its directors, and personnel from any claims, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of our website, or any inaccurate information you provide during an engagement.

11. User Conduct

When using this website, you agree not to:

• Use the website for any unlawful purpose or in a manner that violates applicable laws
• Attempt to gain unauthorised access to any part of the website or its systems
• Submit false or misleading information through any contact form
• Interfere with or disrupt the website's operation or security
• Use automated tools to scrape or harvest data from the website without prior consent

12. Termination

Either party may terminate an engagement by providing written notice if the other party materially breaches these Terms or the engagement scope and fails to remedy the breach within 14 days of receiving written notice. In the event of termination, any fees owing for work already delivered remain due and payable.

We reserve the right to refuse or discontinue website access to any user who violates these Terms.

13. Dispute Resolution

We encourage parties to resolve any dispute informally in the first instance. If a dispute cannot be resolved through direct discussion within 30 days of written notice, the parties agree to submit to mediation administered by the Singapore Mediation Centre before commencing formal legal proceedings.

These Terms are governed by and construed in accordance with the laws of the Republic of Singapore. The courts of Singapore shall have non-exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

14. General Provisions

• Entire Agreement: These Terms, together with any engagement scope document, constitute the entire agreement between you and Merlion Apex in relation to the subject matter, and supersede all prior communications.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce any provision does not constitute a waiver of the right to enforce it in future.
• Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our obligations to a successor entity in the event of a business transfer.
• Notices: Formal notices should be sent by email to [email protected] or by post to our registered address.

15. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. For active engagements, material changes will be communicated directly. Continued use of the website after updates are posted constitutes acceptance of the revised Terms.

16. Contact Information

For questions or concerns about these Terms, please contact: