Terms and Conditions

Welcome to Dravex. These Terms and Conditions govern your use of our website and services. By accessing our website or engaging our services, you agree to these Terms and Conditions in full. If you disagree with any part of these terms, please do not use our website or services.

1. Definitions

In these Terms and Conditions:

  • "Dravex," "we," "our," or "us" refers to Dravex Financial Consulting, a company registered in Singapore.
  • "Website" refers to www.dravex.com.sg and all its subdomains.
  • "Services" refers to financial consulting, tax planning, tax compliance, and other professional services offered by Dravex.
  • "Client," "you," or "your" refers to any individual or entity that accesses our website or engages our services.
  • "Content" refers to all information, text, graphics, logos, photographs, audio, video, software, and other materials on our website.

2. Use of Website

2.1. You agree to use our website only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict or inhibit anyone else's use of the website.

2.2. You agree not to:

  • Use our website in any way that breaches any applicable local, national, or international law or regulation
  • Use our website to transmit any material that is defamatory, offensive, or otherwise objectionable
  • Use our website to knowingly transmit any data or send any material that contains viruses, Trojan horses, worms, or other harmful programs
  • Attempt to gain unauthorized access to our website, the server on which our website is stored, or any server, computer, or database connected to our website
  • Attack our website via a denial-of-service attack or a distributed denial-of-service attack

3. Professional Services

3.1. Our services are provided on the basis of specific engagement agreements between Dravex and our clients.

3.2. Any advice, opinions, or other professional services provided by Dravex are intended solely for the benefit of the client to whom they are addressed.

3.3. Dravex reserves the right to decline any request for services at our discretion.

3.4. We will exercise reasonable care and skill in providing our services in accordance with applicable professional standards.

4. Client Responsibilities

4.1. You agree to provide us with accurate, complete, and timely information necessary for us to perform our services.

4.2. You acknowledge that we will rely on the information provided by you without independently verifying its accuracy or completeness unless specifically agreed otherwise.

4.3. You are responsible for implementing any advice or recommendations provided by us as part of our services.

5. Fees and Payment

5.1. Our fees will be set out in the engagement agreement between Dravex and the client.

5.2. Unless otherwise agreed, invoices are payable within 30 days of the invoice date.

5.3. We reserve the right to charge interest on late payments at a rate of 2% per month on any outstanding balance.

5.4. All fees are exclusive of any applicable taxes, such as Goods and Services Tax (GST).

6. Intellectual Property

6.1. All content on our website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of Dravex or our content suppliers and is protected by Singapore and international copyright laws.

6.2. You may view, download, and print content from our website for your personal, non-commercial use, provided that you do not modify or delete any copyright, trademark, or other proprietary notices.

6.3. You may not reproduce, distribute, modify, create derivative works from, or publicly display any content from our website without our prior written permission.

7. Confidentiality

7.1. We will maintain the confidentiality of all client information in accordance with applicable professional standards and laws.

7.2. We may disclose confidential information if required by law, regulation, or legal process, or if necessary to provide our services.

7.3. We may refer to you as a client in our marketing materials unless you specifically request otherwise.

8. Limitation of Liability

8.1. To the maximum extent permitted by law, Dravex and its directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of our website or services.

8.2. Our liability for any claim arising out of or in connection with our services shall be limited to the amount of fees paid by you for the specific services giving rise to the claim.

8.3. Nothing in these Terms and Conditions shall exclude or limit our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

9. Indemnification

You agree to indemnify, defend, and hold harmless Dravex, its directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of our website or services, your violation of these Terms and Conditions, or your violation of any rights of a third party.

10. Third-Party Links

Our website may contain links to third-party websites that are not owned or controlled by Dravex. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We do not warrant the offerings of any of these entities/individuals or their websites.

11. Termination

11.1. We may terminate or suspend your access to our website or services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms and Conditions.

11.2. Upon termination, your right to use our website and services will immediately cease.

12. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Singapore.

13. Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately