Terms of Service

1. Scope and Applicability

These Terms of Service govern the professional relationship between GrowthFocusEdge and our clients. They form an integral part of all contracts concerning our corporate financial services, consulting and financial guidance for SMEs. By engaging our services, the client fully accepts these Terms of Service and consents to the professional standards they represent.

2. Service Contract Conclusion

The corporate financial services contract with GrowthFocusEdge is concluded either by mutual signature of a written engagement agreement, or by our written confirmation of service acceptance. The exact scope of corporate financial services, deliverables, timeline and fees are defined in individual engagement letters or service contracts. Modifications require written form and mutual agreement.

3. Service Offerings

Our corporate financial services offerings include, but are not limited to:

  • Financial planning and optimization strategies
  • Professional compliance and reporting services
  • Business benefits improvement and performance tracking
  • Business strategy transformation and integration
  • Financial analysis and business intelligence
  • Financial solutions and infrastructure management
  • Corporate financial consulting services

4. Fees and Payment Terms

Our fees for corporate financial services are indicated in Singapore dollars (SGD) and are subject to applicable taxes. For ongoing financial services, we issue monthly invoices. Unless otherwise agreed, the following payment terms apply:

  • Initial consultation: Payment upon completion
  • Fixed-fee services: 50% deposit, balance upon completion
  • Ongoing financial support: Monthly billing with 15-day payment terms
  • Package services: Full payment before service commencement

5. Refund and Cancellation Policy

GrowthFocusEdge maintains a fair and transparent refund policy for our corporate financial services:

  • Service cancellation by GrowthFocusEdge:
    • Full refund of all unused prepaid fees
    • Proportional refund for partially completed services
    • Transfer of all completed financial work and documentation
  • Cancellation by clients of fixed-fee services:
    • Before service commencement: Full refund minus 10% administrative fees
    • After service commencement but before completion: Proportional refund based on work progress, minus 15% administrative fees
    • After service completion: No refund
  • Ongoing financial services:
    • 30-day written notice required for termination
    • Unused service amounts refunded within 14 business days
    • Final invoice for financial work completed up to termination date
  • Special circumstances: In case of client difficulties or exceptional circumstances, refund requests will be evaluated individually.

All refund requests must be submitted in writing to billing@growthfocusedge.com. Refunds will be processed within 14 business days using the original payment method.

6. Consultation and Meeting Policy

For scheduled consultations and financial meetings, the following policies apply:

  • Cancellation with more than 48 hours notice: No charge
  • Cancellation with 24-48 hours notice: 50% of scheduled fees
  • Cancellation with less than 24 hours notice: Full fees applicable
  • No-show: Full fees applicable

Urgent financial consultations can be arranged subject to availability and with emergency surcharges.

7. Client Obligations

For effective execution of corporate financial services, clients commit to:

  • Provide accurate and complete information about their financial needs
  • Actively participate in financial procedures and respond promptly
  • Review in a timely manner and provide feedback on financial documents
  • Maintain confidentiality of financial advice and strategies
  • Pay invoices according to agreed terms

8. Confidentiality and Professional Standards

We maintain strict confidentiality regarding all client matters in accordance with Singapore professional financial standards. This includes:

  • Protection of financial advisor-client privilege for all financial communications
  • Secure data storage and transfer
  • Staff confidentiality agreements
  • Professional standards obligations

9. Intellectual Property

All financial documents, templates and financial resources created by GrowthFocusEdge remain our intellectual property until full payment is received. Clients receive a non-exclusive license to use financial documents for their intended use. Our financial methodologies, processes and knowledge base remain our exclusive property.

10. References and Marketing

We may cite clients as references, unless they expressly request otherwise. Detailed case studies or specific financial references require explicit client approval. Client confidentiality is preserved in all marketing materials.

11. Liability and Insurance

Our liability is limited to the extent permitted by law and our professional insurance. We maintain comprehensive professional liability insurance, appropriate for our corporate financial services. Liability is limited to direct damages caused by gross negligence or intentional misconduct.

12. Termination

Either party may terminate the engagement with 30 days written notice. Immediate termination is possible in case of material breach or professional conduct issues. After termination, we will assist with orderly transfer of financial matters to new providers if requested.

13. Applicable Law

These Terms of Service are governed by Singapore law. All disputes will be resolved by Singapore courts. Invalid provisions will be replaced by valid provisions closest to the intended purpose. Modifications require written form.