Pinnacle Oak
Investments

Comprehensive digital growth solutions designed to empower businesses and private equity investments. Our services drive innovation, optimize performance, and maximize value through cutting-edge technology, strategic marketing, and data-driven insights tailored to your unique goals.

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Terms of Use

WEBSITE TERMS OF USE1. INTRODUCTION1.1 Welcome to pinnacleoakinvestments.com, an online website (including its mobile version) (the “Website”), which is operated by Pinnacle Oak Investments Pte. Ltd. (UEN 202519603M) (hereinafter referred to as “Company”, “we”, “our” or “us”).1.2 The “Services” we provide or make available include: (i) the Website, (ii) the services provided by the Company and (iii) all information, linked pages, features, data, text, images, photographs, graphics, music, sounds, video, messages, tags, content, programming, software, application services (including any mobile application services) and other materials made available by the Company, whether through the Website or its related services (“Content”) or otherwise. These terms and conditions govern your use of the Services provided by us.1.3 By using, accessing or browsing the Website, and/or availing any Services through the Website, you (“Client”, “you” or “your”) agree to be bound by these terms of use, the policies referenced herein and/or accessible by hyperlink hereto (collectively, the “Terms of Use”).1.4 We reserve the right, at our sole discretion, to change, modify, add or remove the terms and conditions of this Terms of Use from time to time. Any amendments to the Terms of Use will be effective immediately after it is uploaded on the Website. Your continued access or use of the Website following the uploading of the amended Terms of Use shall mean that you accept and agree to the amended Terms of Use. This Terms of Use does not alter in any way the terms or conditions of any other written agreement you may have with the Company for other services.1.5 By accessing the Website or using the Services, you and the entity you are authorised to represent signify your agreement to be bound by all the terms and conditions of this Terms of Use. You are also responsible for ensuring that all persons who access the Website or use the Services on your behalf comply with the Terms of Use.1.6 It is your responsibility to ascertain and obey all applicable local, state, federal and international laws (including minimum age requirements) in regard to the use of the Website and the Services. You represent that the Website and Services will be used only in a lawful manner.2. RIGHT TO USEYou may access and use the Website subject to the terms and conditions of the Terms of Use. No right or licence is granted directly or indirectly in any proprietary Content, trademarks, service marks, brand names, logos and other intellectual property displayed on or accessible via the Website (the “Intellectual Property”) to any party accessing the Website to use or reproduce any Intellectual Property, and no party accessing the Website shall claim any right, title or interest therein. By using or accessing the Website, you agree to comply with the copyright, trademark, service mark, and all other applicable laws that protect the Services, the Website and its Content. You agree not to copy, distribute, republish, transmit, publicly display, publicly perform, modify, adapt, rent, sell, or create derivative works of any portion of the Services, the Website or its Content. You also may not, without our prior written consent, mirror or frame any part or whole of the Website or Content on any other server or as part of any other website. In addition, you agree that you will not use any robot, spider or any other automatic device or manual process to monitor or copy our Content, without our prior written consent (such consent is deemed given for standard search engine technology employed by Internet search websites to direct Internet users to the Website).3. ELIGIBILITY TO USE3.1 An individual representing a company, partnership, firm or sole proprietorship shall be eligible to use the Website and the Services on its behalf only if such individual has been duly authorized.3.2 If you breach the Terms of Use, the Company reserves the right to take any legal or other action against you, including but not limited to, denying or revoking access to the Website and Services and referral to the appropriate authorities.4. AVAILABILITY OF THE WEBSITE AND THE SERVICES4.1 The Company does not guarantee that the Website and/or Services will be compatible with all hardware and software which you may use. The Company shall not be responsible for any issues in connection with equipment or intermediary platforms, browsers or applications that you use to access the Website and the Services.4.2 As the Website and the Services may be dependent on other third-party service providers for certain operational aspects (such as website domain hosts and payment services providers), and also due to the nature of the internet, the Company makes no warranty that your access to the Website or use of the Services will be uninterrupted, timely or error-free, or will be free of viruses, worms and/or other harmful or invasive elements. We shall not be liable to you where access to the Website or the provision of Services is disrupted for any reason.4.3 We may, from time to time and without giving any reason or prior notice, upgrade, modify, suspend or discontinue the provision of or remove, whether in whole or in part, the Website or any Services and shall not be liable if any such upgrade, modification, suspension or removal prevents you from accessing the Website or any part of the Services.4.4 The Website undergoes ad-hoc maintenance as the Company deems necessary. The Company does not guarantee that the Website and the Services shall be available twenty-four hours a day. The Company shall not be liable to you for any reason the Website and/or the Services are unavailable at any time or for any period.4.5 If a fault occurs with the Website or the Services, you should report it to us and we will attempt to correct the fault as soon as practicable.4.6 The Company may at any time, in its sole discretion and without advance notice to you, cease operation of the Website.5. ACCURACY OF WEBSITE CONTENTWe endeavour to provide accurate data and information on the Website. You agree that you must evaluate, and bear all risks associated with, the use of any of the Content on the Website, including, without limitation, any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you have not and, to the maximum extent permitted by applicable law, may not rely on any Content created by us.6. USAGE RESTRICTIONS6.1 The Company is not responsible for any damages resulting from your use of the Website. You shall not use the Website for any of the following purposes:(i) disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material;(ii) transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise breaches any relevant laws, regulations or code of practice;(iii) gaining unauthorized access to other computer/network systems;(iv) interfering with any other person’s use or enjoyment of the Website;(v) breaching any applicable laws;(vi) interfering or disrupting networks or websites connected to the Website;(vii) making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner;(viii) harming minors in any way;(ix) infringing any patent, trademark, copyright or other proprietary rights;(x) violating any law for the time being in force;(xi) deceiving or misleading the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;(xii) impersonating another person;(xiii) deploying software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource including the Website; and/or(xiv) threatening the unity, integrity, defence, security or sovereignty of any country, friendly relations with foreign states, or public order or cause incitement to the commission of any cognisable offence or prevent investigation of any offence.6.2 You shall not host, display, upload, modify, publish, transmit, store, update or share any Content or information on the Website that:(i) belongs to another person and to which you do not have any right to access;(ii) is harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, racially or ethnically objectionable, disparaging;(iii) is harmful, threatening, abusive, harassing, alarming, distressing, tortuous, defamatory, vulgar, obscene, libelous or hateful to any person or groups of people, including minors;(iv) infringes any patent, trademark, copyright or other proprietary rights;(v) violates any law for the time being in force, including any laws and regulations against money-laundering, terrorism-financing or gambling, or is otherwise inconsistent with or contrary to any applicable local, state, national or international law, rule, code, directive, guideline, policy or regulation;(vi) deceives or misleads any other person or communicate any information which is patently false or misleading in nature but may reasonably be perceived as a fact;(vii) impersonates another person;(viii) threatens the unity, integrity, defence, security or sovereignty of any country, friendly relations with foreign states, or public order, or cause incitement to the commission of any cognisable offence or prevent investigation of any offence;(ix) contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; and/or(x) is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person.6.3 You are also prohibited from:(i) violating or attempting to violate the integrity or security of the Website or its contents;(ii) transmitting any information (including job posts, messages and hyperlinks) on or through the Website that is disruptive or competitive to the provision of services by us;(iii) intentionally submitting on the Website any incomplete, false or inaccurate information, or otherwise use the Website and/or Services or upload Content in a manner that is fraudulent, unconscionable, false, misleading or deceptive;(iv) making any unsolicited communications to other users of the Website;(v) using any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Website;(vi) harvest or collect any information about or regarding other users of the Website, including any personal data or information;(vii) attempting to decipher, decompile, disassemble or reverse engineer any part of the Website;(viii) copying or duplicating in any manner any Content or other information available from the Website;(ix) framing or hotlinking or deep linking any Content; and/or(x) taking any action that could directly or indirectly damage, disable, overburden, or impair the Website or the servers or networks connected to the Website.7. INDEMNITYYou agree to release, defend, indemnify and hold harmless the Company and its respective employees, directors, officers, agents and their successors and assigns from and against any and all claims, liabilities, damages, losses, costs and expenses, including attorney's fees, caused by or arising out of claims based upon your actions or inactions in connection with this Terms of Use, which may result in any loss or liability to the Company or any third-party, including but not limited to breach of any warranties, representations or undertakings or in relation to the non-fulfilment of any of your obligations under this Terms of Use or arising out of your violation of any applicable laws and regulations in connection with this Terms of Use.8. PRIVACYThe Company believes strongly in protecting the privacy of the users of the Website and providing you with the information regarding the Company’s privacy practices. Please refer to our Privacy Policy that is accessible at the Website.9. COMMUNICATIONYou consent to receive communications (including transactional, promotional and/or commercial messages) from us periodically and as and when required regarding the Website, our Services, sales promotions, our newsletters, SMS updates, and anything relating to other companies in our group or our business partners. We will communicate with you by email or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you would prefer not to receive any of this additional information as detailed in this paragraph (or any part of it) you may either (i) click the “unsubscribe” link in any email that we send to you or (ii) send an email to [email protected] with the header “Unsubscribe”. Within fifteen (15) business days of receipt of your instruction, we will cease to send you information as requested. In case of any further queries, please email us at [email protected].10. OWNERSHIP OF INTELLECTUAL PROPERTY, COPYRIGHT AND TRADEMARK10.1 The intellectual property in and to the Website, Services and the Content are owned, licensed to or controlled by us, our licensors, or our service providers. We reserve the right to enforce our rights over these intellectual property to the fullest extent of the law.10.2 Any use of the Services and Content by you, including copying or storing in whole or part is strictly prohibited without the explicit permission of the Company. Access to the Website or the Services does not authorize anyone to use the Content in any manner whatsoever; except that you may download or copy the Content and other downloadable materials displayed on the Website only for your personal non-commercial use. No right, title or interest in any downloaded Content is transferred to you as a result of any such downloading or copying. Save as otherwise provide in aforesaid paragraph, you shall not modify, publish, transmit, transfer, update, share, distribute, display, reproduce, create derivative works from, repost or participate in any sale of or exploit in any way, in whole or in part, any of the Content, the Website and/or the Services.10.3 Access to this Website does not confer and shall not be considered as conferring upon anyone any license to use any of our or any third-party’s Intellectual Property. All rights, including rights to all Intellectual Property displayed on the Website and the Content therein are owned by or licensed to us and where applicable, third-party proprietors identified on the Website. All software used on the Website is the property of the Company or its licensors. All Content and software are protected by relevant international intellectual property laws. The compilation (meaning the collection, arrangement and assembly) of Content on this Website is the exclusive property of the Company or its licensors, and is also protected by the relevant international intellectual property laws.10.4 References on this Website to any names, marks, or services of third-parties or hypertext links to third-party websites or information are provided solely as a convenience to you and do not in any way constitute or imply: (i) any affiliation with us; or (ii) our endorsement, sponsorship or recommendation of the third-party, information, or service. These other third-party websites are not under the control of the Company and we are neither responsible for the content of such websites nor do we make any representations regarding the content or accuracy of material on such websites. You therefore access them at your own risk.

10.5 The Company is not responsible or liable for the information or the content or any damage or loss that may result from your access to or reliance on such information or Content on the Website.10.6 Other than personally identifiable information, which is subject to our Privacy Policy, all reviews, comments, feedback, postcards, suggestions, ideas and other submissions disclosed, submitted to us by you on or by this Website or otherwise disclosed, submitted or transmitted in connection with your use of this Website shall vest in us as our property.11. DISCLAIMERS11.1 The Website, and all Content and Services included on or otherwise made available to you through the Website, are provided “as is” and without any warranties, claims or representations by us of any kind either express or implied including, without limitation, warranties of quality, performance, non-infringement of intellectual property, merchantability, or fitness for a particular purpose, nor are there any warranties created by course of dealing, course of performance or trade usage. You hereby agree to bear the risks associated with the use of the Website and any Content.11.2 Without limiting the generality of the foregoing and to the maximum extent permitted by applicable law, the Company makes no representation or warranty, express or implied:(i) that the Services, the Website, the Content or the functions contained therein will be available, accessible, uninterrupted, timely, secure, accurate, complete or error-free;(ii) that defects, if any, will be corrected, or that the Website and/or the server that makes the same available are free of viruses or any other harmful codes, instructions, programs or components;(iii) that links to third-party websites are to information that is accurate, reliable, complete or timely;(iv) no advice or information, whether oral or written, obtained by you from this Website will create any warranty not expressly stated herein; and(v) regarding any of the Services offered through the Website.11.3 The Company shall have the right, at any time, to change or discontinue any aspect or feature of the Website. Further, the Website may discontinue disseminating any portion of information or category of information. The Company does not accept any responsibility and will not be liable for any loss or damage whatsoever arising out of or in connection with any inability to access or to use the Website.12. WEBSITE SECURITY12.1 You are prohibited from violating or attempting to violate the security of the Website, or use any device, software or routine to interfere or attempt to interfere with the proper working of this Website or any activity being conducted on this Website. Violations of system or network security may result in civil or criminal liability.12.2 We have in place appropriate technical and security measures to prevent unauthorised or unlawful access to or accidental loss of or destruction or damage to your information. However, Company shall not be responsible or liable for any loss or damage due to any disclosure whatsoever of personal information while using the third-party gateways and or the Website. Further, the Company shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any personal information and/or information relating to or regarding online transactions using credit cards/debit cards/cash cards/net banking and/or their verification process and particulars nor for any error, omission or inaccuracy with respect to any information so disclosed and used.12.3 Whilst the Company makes every effort to protect the security of communications made through the Website, you shall be solely responsible for managing and maintaining the security of all aspects required to access or use the Website.12.4 You shall notify the Company in writing within 24 hours from the time you become aware of any unauthorised use of the Website, or other suspected security breaches in connection with the Website.12.5 If the Company has reason to believe that there is a breach of security, or where the Website is used for illegal, fraudulent or unauthorised purposes, or where there is any suspicious activity on the Website, the Company reserves the right to suspend, restrict or terminate any user’s use of the Website.

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Privacy Policy

PRIVACY POLICYWelcome to pinnacleoakinvestments.com, an online website (including its mobile version) (the “Website”), which is operated by Pinnacle Oak Investments Pte. Ltd. (UEN 202519603M) (hereinafter referred to as “Company”, “we”, “our” or “us”).We take our responsibilities under applicable privacy laws and regulations seriously, and we are committed to respecting the privacy rights and concerns of all users of our Website (the Website and the services we provide are collectively termed the "Services"). “User” refers to a user who visits the Website and/or uses our Services.This Privacy Policy (“Privacy Policy”) is designed to assist you in understanding how we collect, use, disclose and/or process the Personal Data you have provided to us and/or we possess about you, whether now or in the future, as well as to assist you in making an informed decision before providing us with any of your Personal Data."Personal Data" means data, whether true or not, about an individual who can be identified from that data, or from that data and other information to which an organisation has or is likely to have access. Common examples of Personal Data could include name, identification number and contact information. This Privacy Policy applies to all Personal Data collected by the Company, operating in the capacity of a data principal or a data intermediary, from all visitors to the Website; or (b) users of the Services (collectively, “Users”, “you” or “your”).By using the Services or visiting our Website, you acknowledge and agree that you have read, understood and agree to be bound by this Privacy Policy and you hereby consent to us collecting, using, disclosing and/or processing your Personal Data as described herein.If you do not consent to the processing of your Personal Data as described in this Privacy Policy, please do not use our Services or continue accessing our Website. Your continued use of the Website and/or Services shall be deemed to be your unconditional acceptance and acknowledgment of, and consent to be bound by, this Privacy Policy.We reserve the right to amend this Privacy Policy at any time. To the fullest extent permissible under applicable law, your continued use of the Services or the Website shall constitute your acknowledgment and acceptance of any such changes made to this Privacy Policy.1. DEFINITIONS AND INTERPRETATION1.1 In this Privacy Policy, unless otherwise defined or where the context otherwise requires, the following definitions shall apply:“process”, “processes” or “processing” : means any operation or set of operations which is performed on Personal Data, whether or not by automated means, such as collection, recording, holding, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction; and“Terms & Conditions” : means the terms and conditions for the use of the Website which can be accessed via a link on the Website, as from time to time amended, varied and/or supplemented.2. PURPOSE2.1 In the course of operating the Website and providing the Services to you, the Company will obtain Personal Data about you. This Privacy Policy informs you of how the Company processes, manages and safeguards such Personal Data. For avoidance of doubt, this Privacy Policy does not apply to anonymised data, or information which cannot be used to identify any individual person.2.2 This Privacy Policy supplements but does not supersede nor replace any consent that you may have otherwise provided to the Company in respect of your Personal Data. Your consents herein are additional to any rights which the Company may have at law to collect, use or disclose your Personal Data.2.3 In case of conflict between any terms in this Privacy Policy and the Terms & Conditions, the Terms & Conditions shall prevail.3. PERSONAL DATA COLLECTED3.1 We collect Personal Data that you voluntarily submit to us or which is obtained directly from you, including through telephone calls, face-to-face meetings, or other forms of correspondence whether in physical, written, electronic or other form, permanent or otherwise. You may be asked at any time during the engagement of the Services and/or use of the Website to provide Personal Data for the purposes in this Privacy Policy. By providing the same, you consent to for us to process such Personal Data. If you do not consent for us to collect or process your Personal Data, you may opt out at any time by notifying our Data Protection Officer[a] in writing. Further information on opting out can be found in the paragraph below entitled “Rights in relation to Personal Data”. Note, however, that opting out or withdrawing your consent for us to collect, use or process your Personal Data may affect your use of the Services and the Website.3.2 We may collect Personal Data about you from you, our affiliates, third-parties, and from other sources, including without limitation our business partners (such as logistics or payment service providers), credit bureaus or scoring agencies, marketing service providers or partners, referral or loyalty programs, third-party websites, social media services, other users of our Services or publicly available or governmental sources of data.3.3 In some situations, you may provide Personal Data of other individuals to us. If you provide us with such Personal Data, you represent and warrant that you have obtained their consent for their Personal Data to be processed in accordance with this Privacy Policy.3.4 You warrant that all Personal Data submitted to the Company, whether via the Website or otherwise, is true, accurate, reliable, valid, complete and is not misleading does not violate any applicable law, by omission or otherwise. In the event of any change to such Personal Data provided to the Company, you should notify the Company immediately via the email in paragraph 13 below.3.5 Our collection of Personal Data is made pursuant to legitimate interests of the Company and for the purposes of complying with applicable law, in particular relating to money laundering and fraud prevention. As such, if need be, the Company may request other documents to verify any information provided by you.4. OTHER DATA COLLECTED4.1 As with most websites and mobile applications, your device sends information which may include data about you that gets logged by a web server when you browse our Website. This typically includes your device’s Internet Protocol (IP) address (“IP Address”), computer/mobile device operating system and browser type, type of computer/mobile device, the characteristics of the computer/mobile device, the unique device identifier (UDID) or mobile equipment identifier (MEID) for your computer/mobile device, the address of a referring web site (if any), the pages you visit on our Website and the times of visit, and sometimes a "cookie" (which can be disabled using your browser preferences) to help the site remember your last visit. The information is also included in anonymous statistics to allow us to understand how visitors use our Website.4.2 Our Website may collect precise information about your location using technologies such as GPS, Wi-Fi, cookies etc. We collect, use, disclose and/or process this information for purposes including location-based services that you request or to deliver relevant content to you based on your location or to allow you to share your location to other Users as part of the services under our Website. For most mobile devices, you are able to withdraw your permission for us to acquire this information on your location through your device settings. If you have questions about how to disable your mobile device's location services, please contact your mobile device service provider or the device manufacturer.4.3 We or our authorized service providers and advertising partners may from time-to-time use "cookies" or other features to allow us or third-parties to collect or share information in connection with your use of our Services or Website. These features help us monitor and improve our Website and our Services, offer new services and features, and/or enable us and our advertising partners to serve more relevant content to you, including through remarketing. “Cookies” are identifiers that are stored on your computer or mobile device that record data about computer or device, how and when the Services or Website are used or visited, by how many people and other activity within our Website. We may link cookie information to Personal Data. As and when you view pages on our Website, access other software on our Website or the Services, some information may be sent to us such as the IP Address, operating system, the content or advertisement viewed and/or software installed by the Services and the Website and time.4.4 You may refuse the use of cookies by selecting the appropriate settings on your browser or device. However, please note that if you do this you may not be able to use the full functionality of our Website or the Services.5. PROCESSING AND DISCLOSURE OF PERSONAL DATA5.1 Your Personal Data is processed only for specific purposes, and the processing is limited to what is necessary in relation to these purposes. We may process or disclose your Personal Data for the following purposes:5.1.1 to provide the Services to you;5.1.2 to process the information provided by you for the purpose of providing the Services to you, including the verification of your Personal Data;5.1.3 to manage and maintain your records with us during the provision of the Services to you, including facilitating any transactions with you;5.1.4 to carry out the Company’s obligations and duties under the Terms & Conditions, including to prevent or investigate any actual or suspected violations of our Terms & Conditions, any applicable agreements, or any negligence, misconduct, fraudulent or unlawful acts or omissions whether relating to your use of our Services or any other matter arising from your relationship with us;5.1.5 to communicate with you including responding to your requests, enquiries and/or complaints, and resolving disputes;5.1.6 for identification, verification, due diligence, or know-your-customer purposes;5.1.7 to perform assessments and analysis for purposes of improving our Services and the customer experience;5.1.8 for marketing and advertising, and in this regard, to send you by various mediums and modes of communication marketing and promotional information and materials relating to the Services that we may be providing, marketing or promoting;5.1.9 to meet the Company’s legal, regulatory and contractual obligations under any applicable law, such as anti-money laundering, counter-terrorist financing, anti-tax evasion and prevention of fraud regulations, automatic exchange of information, including disclosures to regulators, tax authorities, and other governmental or judicial authorities;5.1.10 for the Company’s prudential and operational management (including risk management, audit, compliance, outsourcing of services, business and financial decision-making);5.1.11 to collect any debt due or owing and to enforce your obligations to the Company;5.1.12 to ensure or enhance network and information security;5.1.13 to respond to any threatened or actual claims asserted against the Company or other claim that any content violates the rights of third-parties;5.1.14 to store, host, back up (whether for disaster recovery or otherwise) of your Personal Data, whether within or outside of your jurisdiction;5.1.15 to manage credit provided to you (where applicable);5.1.16 to arrange for the payment of third party services on behalf of you (where applicable); and/or5.1.17 for any other purpose which the Company may notify you of from time to time,(collectively, the “Purposes”).5.2 For the avoidance of doubt, any unsolicited information or materials (even if they may be Personal Data) sent to the Company whether via the Website or other communication channels, regardless of whether the Company is the intended recipient, will not be considered confidential or proprietary.5.3 In conducting our business, we may need to use, process, disclose and/or transfer your Personal Data to our third-party service providers, agents and/or our affiliates or related corporations, and/or other third-parties, for one or more of the Purposes. Such third-party service providers, agents and/or affiliates or related corporations and/or other third-parties would be processing your Personal Data either on our behalf or otherwise, for one or more of the Purposes. We endeavour to ensure that the third-parties and our affiliates keep your Personal Data secure from unauthorised access, collection, use, disclosure, processing or similar risks and retain your Personal Data only for as long as your Personal Data is needed for the Purposes. Such third-parties include, without limitation:5.3.1 our subsidiaries, affiliates and related corporations;5.3.2 service providers under contract with us who help with the Company’s business operations and the provision of the Services;5.3.3 third-parties to whom disclosure by us is for one or more of the Purposes and such third-parties would in turn be collecting and processing your Personal Data for one or more of the Purposes;5.3.4 a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company’s assets, whether as a going-concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Data held by the Company about our Users is among the assets transferred, or to a counterparty in a business asset transaction that the Company or any of its affiliates or related corporations is involved in; and/or5.3.5 governmental, regulatory or judicial authorities, or any person connected to the exercise, enforcement or preservation of the Company’s legal and contractual rights.5.4 We will destroy or anonymize your Personal Data when we have reasonably determined that (i) the purpose for which that Personal Data was collected is no longer being served by the retention of such Personal Data; or (ii) retention is no longer necessary for any legal or business purposes; or (iii) no other legitimate interests warrant further retention of such Personal Data.6. RIGHTS IN RELATION TO PERSONAL DATA6.1 Rights of access, correction and deletion6.1.1 You are entitled to review, correct, amend or delete any part of your Personal Data provided to the Company which is inaccurate, incomplete, misleading or not up-to-date. You may do this at any time by contacting us via the email provided in paragraph 13 below for data that is not available for change on the Website, and we will correct or update the data as soon as practicable.6.1.2 You have a right to request for a copy of your Personal Data provided to the Company. This information will be provided without undue delay subject to a reasonable fee (as permitted by applicable law), unless such provision adversely affects the rights and freedoms of others. If we so choose to charge, we will provide you with a written estimate of the fee we will be charging. Please note that we are not required to respond to or deal with your access request unless you have agreed to pay the fee.6.1.3 When handling data access, correction, restriction, deletion, or portability requests, the Company shall be entitled to check the identity of the requesting party to ensure that he is the person entitled to make such request. We may also refuse such request in accordance with applicable laws.

6.2 Right to restrict, object, or withdraw consent6.2.1 You have the right to restrict, object to, or withdraw your consent for, the processing of your Personal Data by the Company at any time by writing to us.6.2.2 Any such restrictions, objections or withdrawal will not affect the lawfulness of the Company’s processing of your Personal Data based on consent obtained before the restriction, objection or withdrawal. This shall also not affect the lawfulness of the Company’s continued processing of your Personal Data if it is necessary and/or permitted under applicable law.6.2.3 Upon receipt of such a request, the Company reserves the right to take necessary actions, including to cease or limit the provision of Services and/or access to the Website to you, and to terminate any agreements you may have with us. The Company’s legal rights and remedies are expressly reserved in such event.6.3 Right to erasure6.3.1 You have the right to request erasure of your Personal Data subject to limitations by applicable law relevant to data protection.6.3.2 For the avoidance of doubt, you shall not have such right to request erasure if the deletion of such data may result in loss of data integrity and auditable records, and therefore be necessary for the Company to comply with applicable law or for the establishment, exercise or defence of legal claims. You expressly acknowledge and agree to the non-erasure of your Personal Data in such circumstances.6.3.3 Upon receipt and approval of such a request, the Company shall insofar as the data is stored in electronic form, take steps to ensure that it is securely deleted, erased or destroyed. The Company shall require a reasonable amount of time to process and effect any erasure of data. Depending on the nature of your request, the Company reserves the right to take necessary actions, including to cease or limit the provision of Services and/or access to the Website to you, and to terminate any agreements you may have with us. The Company’s legal rights and remedies are expressly reserved in such event. However, the Company can continue to process your Personal Data if it is necessary and/or permitted under applicable law.6.4 Right to data portabilityYou may elect to receive copies of your Personal Data in a structured, commonly used and machine-readable format, and to have the Company transfer your Personal Data directly to another party, where technically feasible, unless exercise of this right adversely affects the rights and freedoms of others (e.g. where providing the Personal Data we hold about you would reveal information about another person). We are not responsible for the security of the Personal Data or the processing of the same once received by a third-party.6.5 Right to lodge a complaint6.5.1 If you believe that your rights have been infringed in any way, we encourage you to first contact the Company via the email in paragraph 13 so that we can try to resolve the issue or dispute amicably.6.5.2 Subject to paragraphs 7.2 and 7.3 below, you may also complain about the Company's processing of your Personal Data to the relevant governmental agency.7. COMPLAINTS UNDER THE EUROPEAN GENERAL DATA PROTECTION REGULATIONS AS APPLICABLE TO PERSONAL DATA OF EU PERSONS7.1 As the Company serves customers globally, we may collect Personal Data from individuals and institutions located within the European Economic Area, and the Company is responsible for ensuring that it uses such Personal Data in accordance with the General Data Protection Regulation (“GDPR”).7.2 Where the GDPR applies to you, by accessing the Website and/or the Services, or sending us any Personal Data, you hereby acknowledge and agree not to make any complaint to any governmental agency unless you have first brought the complaint to the Company’s attention and followed the process in paragraph 7.3 below.7.3 For any issues which you may have with the Company with regard to your Personal Data, you agree to the following process:7.3.1 You shall inform the Company of your issue or complaint in writing via the email given at the end of this Privacy Policy or on the Website. Your email shall set out in sufficient clarity and detail your issue or complaint.7.3.2 The Company shall use reasonable endeavours to work with you to resolve the issues or complaints raised in your email within ninety (90) days. You agree to co-operate fully with the Company, which shall include providing the Company with any requested information or documents in a timely manner.7.3.3 If parties fail to resolve the said issues or complaints within ninety (90) days, you shall then have the right to settle any disputes in accordance with these Terms & Conditions.8. INTERNATIONAL TRANSFERS OF PERSONAL DATAYour Personal Data may be transferred to, stored or processed outside Singapore for one or more of the Purposes. We will only transfer your Personal Data overseas in accordance with applicable laws.9. SECURITY9.1 The Company has implemented technical and organisational security measures to ensure the confidentiality, integrity and accountability of all Personal Data collected and to protect it from unauthorised access and disclosure, loss, misuse, alteration or destruction. However, we cannot guarantee the security of any Personal Data collected from or about you.9.2 Where your consent has been obtained, or where the Company is obliged to pass on Personal Data to third-parties to provide you with a requested service or in the carrying out of our obligations under applicable law, the Company will request that the same levels of technical and organisational security measures be applied, where possible. However, the Company is not responsible for any security breach on the part of such third-party service providers.9.3 In the event of a security breach or the failure of the measures of protection of such Personal Data in our systems or that of any engaged third-party service providers, the Company will notify you in accordance with this Privacy Policy and/or the Personal Data Protection Act 2012.9.4 You acknowledge that you play a vital role in protecting your own Personal Data. The Company cannot guarantee or warrant the security or confidentiality of information you transmit to us or received from us by internet or wireless connection (including email, phone, or SMS). If you have reason to believe that your Personal Data is no longer secure, you should notify the Company immediately via the email in paragraph 13 below.9.5 You are responsible for your own security when dealing with third-parties, including third-parties who may make themselves out to be the Company or related to the Company. If you discover any fraud, phishing, or scam which impersonates the Company, you should notify the Company immediately via the email in paragraph 13 below.10. MARKETING10.1 You consent to the use of your Personal Data to be processed for direct marketing by the Company.10.2 With such consent, the Company may send information from time to time to you including promotions for the Company’s products or Services, events that the Company is hosting or participating in, or product updates and features.10.3 You have the right at any time to revoke and object to such use of your Personal Data for the use of direct marketing by contacting the Company via the email stated below.11. CREDIT REPORTING11.1 By using the Services, where credit terms may be provided, you agree that the Company may obtain from a credit-reporting agency a credit report which may contain personal credit information about you in relation to credit that we may provide.11.2 The Personal Data may also be used by us to notify other credit providers of a default by you, to exchange information with other credit providers as to the status of this credit account and to assess your credit worthiness.11.3 You consent to us being given a consumer credit report to collect overdue payment on commercial credit.12. CHANGES TO THIS PRIVACY POLICY12.1 This Privacy Policy may be supplemented, varied or amended from time to time at the Company’s discretion by publishing the revised Privacy Policy on the Website. Such revised Privacy Policy shall be effective immediately and shall apply and bind parties from the date of its publication on the Website. You should therefore carefully read the Privacy Policy each time you visit the Website so that you are apprised of such changes.12.2 If you do not agree to any terms of the revised Privacy Policy, you should not continue to visit, access, or use the Website, or any Services. For the avoidance of doubt, your continued use of the Website and/or Services shall be deemed to be your unconditional acceptance and acknowledgment of, and consent to be bound by, the prevailing terms of this Privacy Policy.13. CONTACTING THE COMPANYIf you have any questions or complaints about or relating to the Personal Data collected by the Company or wishes to contact the Company under the terms of this Privacy Policy, you may contact us using the “Contact” details on the Website or at [email protected].14. CONSENT AND ACKNOWLEDGEMENT14.1 By visiting, accessing or using the Website or any Services, you warrant and represent that you have the legal capacity to consent to, and agree to be bound by, this Privacy Policy in its entirety, and that any information or documents provided by you shall be true and accurate to the best of your knowledge.14.2 By providing us with your Personal Data, you hereby consent to the processing of your Personal Data in accordance with this Privacy Policy. You warrant and represent that you have the right or have otherwise obtained the necessary authorisation to provide the information provided to us. You acknowledge that it may an offence under the applicable laws to request access to or change another person's information without being authorised by that person.

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Terms & Conditions

Effective date: September, 2025
INTERPRETATION

In these Conditions:

1.1 Singapore Consumer Protection (Fair Trading) Act means the law as set out in the Consumer Protection (Fair Trading) Act 2003 of Singapore.

1.2 Authorised Persons means the Recipient’s officers, employees, financiers, and contracted professional advisers who reasonably require access to Confidential Information for the purposes of this Contract.

1.3 Business Day means a day that is not a Saturday, Sunday, or public holiday in Singapore.

1.4 Confidential Information means all Information relating to the affairs of the Provider disclosed or made available to the Recipient or an Authorised Person by or on behalf of the Provider for the purposes of this Contract and includes:

1.4.1 Information that is by its nature confidential;

1.4.2 Information that is identified as confidential;

1.4.3 Information that the Recipient or Authorised Person knows or ought to know is confidential;

1.4.4 Information comprised in or relating to any Intellectual Property Rights of the Provider or any other person;

1.4.5 Information relating to the financial position of the Provider or any other person;

1.4.6 Information that has any actual or potential commercial value to the Provider or to any other person; and

1.4.7 Derived Information.

1.5 Client means the Client specified in the Quotation or, if there is no such quotation or no Client specified in the quotation, the receiver of the Services from Pinnacle Oak Investments and includes any servants, agents, or contractors acting on behalf of the Client where the context permits.

1.6 Conditions means these terms and conditions.

1.7 Consequential Loss includes any loss of data or profits, loss of anticipated savings, economic loss, interruption of business, or any other indirect or consequential loss.

1.8 Consumer means a “consumer” as that term is defined in Section 2 of the Singapore Consumer Protection (Fair Trading) Act.

1.9 Consumer Guarantees means the consumer guarantees under the Singapore Consumer Protection (Fair Trading) Act.

1.10 Contract means a contract for the supply of Services in accordance with these Conditions, as evidenced by the acceptance of any Proposal and Quotation in accordance with clause 3 from the Client to Pinnacle Oak Investments.

1.11 Derived Information means any information derived or produced by the Recipient or any Authorised Person wholly or partially from any Confidential Information.

1.12 Disbursements means third-party costs incurred by Pinnacle Oak Investments on behalf of the Client, which from time to time may be listed in the Quotation or otherwise advised to the Client by Pinnacle Oak Investments in writing.

1.13 DocuSign or PandaDoc means the website www.docusign.com, or www.pandadoc.co, or any other website(s) operated by DocuSign and/or PandaDoc respectively, from time to time.

1.14 End Date means the end date specified in the Quotation, unless automatically renewed in accordance with clause 6.2.

1.15 Pinnacle Oak Investments means Pinnacle Oak Investments Pte. Ltd.

1.16 Implied Terms means any guarantees, conditions, warranties, or other terms implied by any Singaporean laws (excluding the Singapore Consumer Protection (Fair Trading) Act), or the laws of any other jurisdiction.

1.17 Information means information of any nature, knowledge, technology, ideas, technical data, concepts, techniques, processes, formulae, expertise, models, drafts and diagrams, drawings, computer programs, source codes, object codes, user manuals, programming manuals, modification manuals, flow charts, software listings, trade secrets, inventions, discoveries, designs, methods, knowhow, and any other scientific, computing, technical, or manufacturing information and data, whether recorded or not.

1.18 Intellectual Property and Intellectual Property Rights include property and rights in connection with copyright (including future copyright and rights in the nature of or analogous to copyright), know-how, trade mark, service mark, design, inventions (including patents), semi-conductor or circuit layout rights, trade, business or company names, or other proprietary rights, or any rights to registration of such rights (including all renewals and extensions), whether created before, on, or after this agreement.

1.19 Liabilities means liabilities, losses, damages, actions, causes of action, arbitrations, claims, orders, judgments, outgoings, costs (including legal costs calculated on a solicitor and own client basis), and expenses, whether present or future, actual or contingent.

1.20 Proposal means any Proposal for Services put forward by Pinnacle Oak Investments to the Client, which will be subject to a Quotation and these Conditions.

1.21 Provider means a party who discloses or authorises the disclosure of Information for the purposes of this Contract.

1.22 Quotation means a quotation supplied by Pinnacle Oak Investments to the Client in respect of the Services.

1.23 Recipient means a party to whom Information is disclosed for the purposes of this Contract.

1.24 Services means the services provided by Pinnacle Oak Investments, being a full-service digital marketing agency specialising in SEO, Google Ads, and website development, to the Client from time to time and which are the subject of a Quotation.

1.25 SEO means Search Engine Optimisation.

1.26 Start Date means the start date for the Services as outlined in the Quotation.

1.27 Term means the term during which Pinnacle Oak Investments will provide the Services to the Client, which will commence on the Start Date and end on the earlier of the End Date and the date of cancellation of the Contract in accordance with these Conditions.
2. GENERAL

1.28 These Conditions apply to all Services provided by Pinnacle Oak Investments from the date of publication of these Conditions to Pinnacle Oak Investments’ Clients, and the Client is deemed to have read and accepted these Conditions when accepting a Proposal and Quotation in accordance with clause 3.

1.29 These Conditions shall prevail over all inconsistencies in a Proposal and Quotation, unless Pinnacle Oak Investments expressly agrees otherwise and that agreement is acknowledged in writing.

1.30 Pinnacle Oak Investments may vary these Conditions, and any such variations will have effect from the date of publication to the Clients of Pinnacle Oak Investments.
3. ACCEPTANCE OF THE CONTRACT

1.31 The Client is deemed to have accepted the Quotation provided by Pinnacle Oak Investments and the terms of the Contract by:

1.31.1 acceptance by e-signing through DocuSign and/or PandaDoc;

1.31.2 signing and returning the acceptance contained in the Quotation;

1.31.3 making any payment or part-payment to Pinnacle Oak Investments for the Services;

1.31.4 instructing Pinnacle Oak Investments verbally to commence or continue providing the Services;

1.31.5 providing a written acceptance, whether by post, email correspondence, fax, or other means, stating that the Client accepts the Quotation or instructing Pinnacle Oak Investments to commence providing the Services; or

1.31.6 paying any invoices for payment issued by Pinnacle Oak Investments calculated by the terms of this Contract.
4. PROVISION OF THE SERVICES

1.32 Any timeframes for provision of the Services made known to the Client are estimates only, and Pinnacle Oak Investments is not liable for late provision or non-provision of the Services.

1.33 The Client may cancel an accepted Quotation for Services if Pinnacle Oak Investments is unable to deliver the Services within 90 days of any specified timeframe for the provision of Services.

1.34 Except where clause 4.2 applies:

1.34.1 Pinnacle Oak Investments is not liable for any loss, damage, or delay occasioned to the Client or its customers arising from late or non-provision of the Services;

1.34.2 late provision or non-provision does not vary these Conditions or relieve the Client from its obligations to accept and pay for the Services.
5. INFORMATION AND MATERIALS PROVIDED BY THE CLIENT FOR THE SERVICES

1.35 The Client is to provide Pinnacle Oak Investments with any and all information, material, and access that is reasonably requested by Pinnacle Oak Investments in the timeframe and manner specified by Pinnacle Oak Investments.

1.36 The Client warrants that such material or information provided is true and correct and that it does not violate any laws or infringe the rights of any third party.

1.37 If the Client fails to provide the information, access, and/or materials within the timeframe specified by Pinnacle Oak Investments, then Pinnacle Oak Investments, in its sole and absolute discretion, may charge the Client additional costs as a result of this delay.

1.38 The Client warrants that it owns or is licensed all intellectual property rights in the information and/or materials provided and indemnifies Pinnacle Oak Investments against any claim that may be made if the Client is in breach of this clause. The Client warrants that the information and/or materials provided is compliant with clause 22 of these Conditions.
6. TERM OF THE SERVICES AND AUTOMATIC RENEWAL

1.39 The Term for the Services to be provided by Pinnacle Oak Investments to the Client will begin on the Start Date and expire on the End Date (Initial Term), unless cancelled earlier in accordance with these Conditions.

1.40 At the expiry of the Initial Term, the Term will be automatically renewed for successive periods of six (6) months each (each a Renewal Term), under the same terms and conditions as the Initial Term (except as varied pursuant to clause 6.3), unless the Client provides a written cancellation notice to Pinnacle Oak Investments not less than 30 days prior to the expiry of the Initial Term.

1.41 Not less than two (2) months before the expiry of the Initial Term or any subsequent Renewal Term, Pinnacle Oak Investments may provide the Client with written notice detailing the commercial terms for the upcoming Renewal Term (Renewal Term Proposal), which are deemed to be accepted by the Client for the Renewal Term unless the Client notifies Pinnacle Oak Investments of its intention to cancel this Agreement.

1.42 For the avoidance of doubt, if for any reason Pinnacle Oak Investments does not notify the Client as contemplated in clause 6.3, then the Renewal Term will be under the same terms and conditions as the Initial Term in all respects.

1.43 During any Renewal Term, the Client may cancel this Agreement with Pinnacle Oak Investments on one (1) month’s notice, provided such cancellation is by written notice to Pinnacle Oak Investments.
7. NO GUARANTEE OF SUCCESS OF THE SERVICES

1.44 Pinnacle Oak Investments will exercise all due care and skill in performing the Services but makes no warranty that the delivery of the Services will:

1.44.1 result in their website being highly ranked organically or their Google Ads being the first that appear;

1.44.2 result in an increase in the business (and profits of the business) of the Client;

1.44.3 result in an increase in the exposure of the brand of the Client;

1.44.4 increase the social media following of the Client;

1.44.5 boost the public profile of the Client; or

1.44.6 result in the Client obtaining any other desired outcome.
8. USE OF THE SERVICES BY THE CLIENT FOR THIRD PARTIES

Where a Client is using the Services provided by Pinnacle Oak Investments for further works and/or services that are being provided to a third party, then:

1.45 the Client acknowledges and agrees that Pinnacle Oak Investments has no contractual relationship with any client, customer, or consumer of the Client (“the Client’s Customers”) and no rights, benefits, or obligations under this Contract are transferred to the Client’s Customers by Pinnacle Oak Investments, and that these Conditions will apply insofar as they can to the Services that are ultimately provided to the Client’s Customers.

1.46 the Client agrees to the terms of the Contract on behalf of the Client’s Customers and acknowledges that this Contract does not govern the relationship between the Client and the Client’s Customers. For sake of clarity, this means that the Client is required to satisfy all responsibilities under this Contract and, by way of example, this means in providing information under clause 5 and complying with payment obligations under clause 16.

1.47 clause 7 applies to the Services provided to the Client for use by the Client’s Customer.

1.48 the Client must not:

1.48.1 misrepresent Pinnacle Oak Investments or the nature, quality, or scope of Pinnacle Oak Investments’ Services to the Client’s Customers;

1.48.2 hold itself out as an agent, representative, or affiliate of Pinnacle Oak Investments to the Client’s Customers;

1.48.3 provide any warranties, guarantees, or assurances on behalf of Pinnacle Oak Investments to the Client’s Customers; or

1.48.4 engage in any conduct that may adversely impact Pinnacle Oak Investments’ reputation, competitiveness, or integrity when providing the Services to the Client’s Customers.

1.49 the Client indemnifies and holds harmless Pinnacle Oak Investments, its officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable legal costs) arising from or in connection with:

1.49.1 any claim, demand, or legal action brought against Pinnacle Oak Investments and/or the Client by a Client’s Customer;

1.49.2 any misrepresentation, negligence, or breach of this Contract by the Client which results in action being taken by the Client’s Customers; and/or

1.49.3 any use, misuse, modification, or unauthorised representation of the Services by the Client’s Customers.

1.50 the Client must promptly notify Pinnacle Oak Investments of any complaints, claims, or issues raised by any of the Client’s Customers regarding the Services and subsequently provide all information relevant to such matters that Pinnacle Oak Investments reasonably requests.

1.51 the Intellectual Property clause at clause 22 will apply to the Client’s Customers.

9. WEBSITES

1.52 General

1.52.1 Pinnacle Oak Investments does not warrant that any website it creates for the Client (Website) will be mobile responsive for all devices nor does it guarantee that the website created will be suitable for every website browser.

1.52.2 Pinnacle Oak Investments does not guarantee the integration, functionality, and continual operation of third-party integrations, applications, plug-ins, and software (Third Party Platforms) that are installed on the Website. Pinnacle Oak Investments will not be responsible for any loss or damage suffered or incurred as a result of such failure in these Third Party Platforms. The Client also acknowledges and agrees that their activities and use of these Third Party Platforms may be subject to additional terms of service for each Third Party Platform.

1.52.3 Pinnacle Oak Investments recommends that the Client takes out their own insurance policy which covers cyber hacking and loss of business caused by any hacking or failure of the Client’s website.

1.52.4 Pinnacle Oak Investments recommends that their Clients include on the Website a privacy policy and website terms of use, and Pinnacle Oak Investments will not include these documents on the Website they produce unless these are provided by the Client.

1.52.5 It is the Client’s responsibility to ensure that the domain name for the Website is secured and that they continue to renew and pay for the renewal of such domain name. If the domain server fails, Pinnacle Oak Investments is indemnified by the Client for any and all liability, loss, or damage that may be suffered as a result of such failure.

1.52.6 If a Client has an existing website and they ask Pinnacle Oak Investments, as part of the Services, to make amendments or upgrades to that website, then Pinnacle Oak Investments does not guarantee that the amendments or upgrades they made will work and will not be liable for any failure of that website.

1.52.7 The Client gives Pinnacle Oak Investments permission to access and use their information to third-party services that are to be included on their website and to store any login credentials for that service.

1.52.8 Pinnacle Oak Investments does not have any relationship with users of the Client’s website (End Users); therefore, Pinnacle Oak Investments is not responsible for how the Client handles information on the End Users. The Client is responsible to provide notification to their End Users, and to the relevant authorities if required, of any security breach.

1.52.9 Elements of the Website and Third Party Platforms may automatically update from time to time, and the Client agrees to receive such updates.

1.52.10 The Client must not reverse engineer the software or website produced by Pinnacle Oak Investments.

1.53 Building the Website

1.53.1 If the Client instructs Pinnacle Oak Investments to transfer the contents of an old website to their new one, or to transfer their website in any manner, then the transfer of this website will be at the sole and absolute risk of the Client, and if any data is lost through this process, then the Client will indemnify Pinnacle Oak Investments for any resulting loss or damage as a result of the same.

1.53.2 The number of revisions of the draft website that will be offered by Pinnacle Oak Investments to the Client will be outlined in the Proposal. If the Client wants further revisions or amendments made to the website in excess of the number outlined in the Proposal, then such revisions will be charged to the Client at Pinnacle Oak Investments’ hourly rate, which hourly rate Pinnacle Oak Investments will advise to the Client in writing before they proceed to work on such revisions.

1.53.3 If, during the build of the website, a critical error occurs through no fault of Pinnacle Oak Investments, then the Client will indemnify Pinnacle Oak Investments from any liability, loss, or damage that occurs as a result of such critical error.

1.54 Handover of the Website

1.54.1 Once Pinnacle Oak Investments has completed creation of the website, they will pass control of the website over to the Client. From this point in time, Pinnacle Oak Investments will no longer be involved in the maintenance, updating, and operation of the website. It will be up to the Client to continue to maintain and update the website, and Pinnacle Oak Investments will not be liable for any failure of the website, or for any error caused by the Client failing to operate or update the website correctly.

1.54.2 Once the website is completed by Pinnacle Oak Investments and handed over to the Client, it will be owned by the Client, subject to Pinnacle Oak Investments retaining intellectual property rights in the website design in accordance with clause 22.

1.54.3 After the website is handed over to the Client, the Client will be responsible for all backup and security of the website, and Pinnacle Oak Investments will have no liability for this.

1.54.4 If the Client requires any amendments to be made to the website by Pinnacle Oak Investments after the website is handed over, then such works will be charged at Pinnacle Oak Investments’ hourly rate, which Pinnacle Oak Investments will advise to the Client in writing.

1.54.5 Pinnacle Oak Investments will be in no way liable for any loss, damage, demand, liability, claim, or expense made against the Client by any third party as a result of the way in which the Client uses the website, including the content posted on the website.

1.55 Ongoing Works for Websites Produced by Pinnacle Oak Investments

1.55.1 The Client can request that Pinnacle Oak Investments provide ongoing services in respect of the website, which services will be agreed between Pinnacle Oak Investments and the Client. Such service will be provided for the monthly fee as provided in writing from Pinnacle Oak Investments to the Client.
10. GOOGLE ADS

1.56 Whilst Pinnacle Oak Investments can prepare Google Ads for the Client, Pinnacle Oak Investments cannot guarantee the number of clicks any Google Ad will receive.

1.57 Pinnacle Oak Investments will research the business of the Client and use high-traffic keywords to create the Google Ad.

1.58 The Client’s website may affect the performance of the Google Ad, its positioning, and conversions.

1.59 Google Ads will be charged per click, and the Client’s credit card will be provided for these charges to be made to as a disbursement in accordance with clause 15.

1.60 If there is a special offer made by the third-party advertisement engine promoter, Pinnacle Oak Investments does not guarantee that such offer will be ongoing or continuous, and such promotion will be in the control of the third party.

1.61 Any account established for the purpose of these advertisements will be an account owned and controlled by Pinnacle Oak Investments.

1.62 When the Client cancels the Service or at the expiry of the Term, Pinnacle Oak Investments will pause the account and paid advertisements and remove the credit card details of the Client after the last bill is issued for the paid advertisements to date.

1.63 Pinnacle Oak Investments cannot control where a paid advertisement gets reposted.

1.64 Images used by Pinnacle Oak Investments in any paid advertisements are to be royalty-free images and will either be stock pictures or pictures that are taken from Pinnacle Oak Investments’ website or social media pages. The Client may also provide such images to Pinnacle Oak Investments for their use. The terms of clauses 22.4 and 22.6 will apply to these images.

1.65 Any Google Ads account will be subject to the terms and conditions of Google.

1.66 The Client acknowledges that Google has the ability to reserve the right to refuse advertisements for any reason. In the event of such refusal, the Client acknowledges and agrees that it will remain liable to pay the fees of Google as well as those of Pinnacle Oak Investments.
11. SEO

1.67 The Client acknowledges that SEO listings are organic, meaning there is no way to control how a page is listed through SEO, and SEO is merely a tool to help organic growth and listings of the Client’s website.

1.68 Pinnacle Oak Investments may arrange for blogs to be published including links to the Client’s website, and information about their products or services to assist in the process of improving the Client’s SEO. This will result in backlinks being added to the Client’s website, which the Client approves of by instructing Pinnacle Oak Investments to provide SEO services to them. Pinnacle Oak Investments has no control over what these backlinks and blogs will contain nor can they control whether they will continue to stay live.

1.69 The Client understands that if their website is hacked, this will cause their SEO rankings to drop, and this will be at no fault of Pinnacle Oak Investments.

1.70 Pinnacle Oak Investments cannot control any negative SEO that a competitor may use against the Client and does not guarantee that they can remedy any negative SEO.

1.71 Pinnacle Oak Investments owns all intellectual property in its SEO works and has no obligation to show the Client what it does for the purpose of its SEO.

1.72 When the Term expires or the Client cancels the Contract, Pinnacle Oak Investments will not be responsible for the removal of any SEO or external links created.

1.73 The Client acknowledges that the SEO service provided is an intangible service.

1.74 If there is any amendment by third parties and their requirements of SEO, Pinnacle Oak Investments does not guarantee that their SEO practices will mirror the same.
12. SINGAPORE CONSUMER PROTECTION (FAIR TRADING) ACT

Where the Client is provided Services as a Consumer:

1.75 the Services are supplied subject to the Consumer Guarantees;

1.76 if the Services fail to meet any Consumer Guarantee, the Client will be entitled to such rights and remedies as are permitted or provided in the Singapore Consumer Protection (Fair Trading) Act for such failure, to the extent that such rights and remedies cannot be lawfully excluded;

1.77 the Client may only exercise any right or remedy for breach of a Consumer Guarantee strictly in accordance with the rights and responsibilities of the Client under the Singapore Consumer Protection (Fair Trading) Act.
13. GENERAL LIMITATION ON LIABILITY

1.78 This clause 13 does not limit the liability of Pinnacle Oak Investments under the Singapore Consumer Protection (Fair Trading) Act.

1.79 Pinnacle Oak Investments shall not be liable for any guarantee, warranty, or representation as to the quality, performance, and fitness for purpose or otherwise of any Services unless expressed in writing, and any such warranty or representation shall be limited to its express terms.

1.80 None of the Implied Terms apply to any Contract except to the extent that they cannot be lawfully excluded.

1.81 Pinnacle Oak Investments’ liability for breach of any provision of any such Contract or for breach of any Implied Terms which by force of law cannot be excluded from applying to any such Contract is limited at the option of Pinnacle Oak Investments to repairing or re-supplying the Services which have been found defective, or paying the cost of re-supplying the Services which have been found defective.

1.82 Pinnacle Oak Investments is not liable in tort for any loss or damages suffered by the Client or by any third party.

1.83 In no circumstance whatsoever shall Pinnacle Oak Investments be liable to the Client or to any third party for any Consequential Loss in connection with any Contract or Implied Terms, and the Client will keep Pinnacle Oak Investments fully indemnified against any claim made against Pinnacle Oak Investments by the Client or a third party for Consequential Loss.
14. PRICES AND GST

1.84 Unless otherwise stated, all prices quoted by Pinnacle Oak Investments are net, exclusive of Goods and Services Tax (GST).

1.85 GST applies to the provision of Services by Pinnacle Oak Investments, and the amount payable by the Client will be increased by a percentage equal to the prevailing GST rate at the time of delivery of the Services.

1.86 Pinnacle Oak Investments may amend their pricing at any time by giving prior written notice to the Client of such amendment.
15. DISBURSEMENTS

1.87 Any disbursements incurred by Pinnacle Oak Investments in providing the Services to the Client will be due and payable by the Client and will be in addition to the price of the Services provided by Pinnacle Oak Investments unless otherwise advised in writing.

1.88 Pinnacle Oak Investments may require such Disbursements, whether estimated or actual pricing, to be paid for in part or in full before Pinnacle Oak Investments incurs any Liability for the Disbursements.

1.89 Pinnacle Oak Investments may, from time to time, require the Client to provide their credit card details to be entered online to the relevant supplier of services to facilitate advertisement spend, like Google Ads, for the ongoing payment of their third-party fees. Pinnacle Oak Investments has no liability to pay any amounts for advertisement spend. Where the Client provides credit card details to Pinnacle Oak Investments, Pinnacle Oak Investments will ensure that these details are used only for the purpose of entering them online to arrange the ongoing payments to be taken by direct debit, and once these credit card details have been entered online, such credit card details will be destroyed by Pinnacle Oak Investments. The Client must ensure that this credit card always has funds available for the payment of these fees, and if the credit card is declined for any reason whatsoever, Pinnacle Oak Investments will advise the Client of the same, and the Client will be required to provide new credit card details within 48 hours of such communication.

1.90 The Client irrevocably authorises Pinnacle Oak Investments to provide their information, including their credit card information, to the third-party suppliers for the purpose of this Contract, and the Client indemnifies and releases Pinnacle Oak Investments in respect of any claim or liability that arises from any fraud or misuse of their credit card details that occurs through no fault of Pinnacle Oak Investments.

1.91 The Client must indemnify Pinnacle Oak Investments against all Liabilities incurred as a result of any failure by the Client to reimburse Pinnacle Oak Investments for Disbursements under this clause.

1.92 Pinnacle Oak Investments will not be liable to the Client for any price amendment of any third party, and if a third party amends their pricing, then the Client must pay this new pricing.

16. PAYMENT

1.93 Pinnacle Oak Investments reserves the right to charge the Client for costs incurred resulting from the Client varying its instructions, correcting any errors or omissions referred to in clause 16.2, or requiring Services urgently.

1.94 Pinnacle Oak Investments will supply the Services on the basis of the Proposal and Quotation and the information provided by the Client. Pinnacle Oak Investments will not be responsible for any errors or omissions resulting wholly or partially from incomplete or unclear instructions or information provided by the Client.

1.95 The Quotation will specify the proposed payment terms between Pinnacle Oak Investments and the Client.

1.96 All amounts payable to Pinnacle Oak Investments by the Client must be paid in Singapore dollars, unless otherwise specified in the invoice issued by Pinnacle Oak Investments, in any manner required by Pinnacle Oak Investments in writing and in full without set-off on or before the due date for payment.

1.97 Any costs or charges incurred by Pinnacle Oak Investments in collecting or attempting to collect overdue amounts must be paid by the Client to Pinnacle Oak Investments on demand.

1.98 Pinnacle Oak Investments reserves the right to charge interest at the rate of 12% per annum on all overdue amounts owing to it. Such interest will accrue daily and is payable on demand.

1.99 Payment will not be taken to occur until all cheques tendered or electronic funds transfer in discharge of amounts owing to Pinnacle Oak Investments have been presented or received and cleared in full.
17. ADMINISTRATION FEE

Pinnacle Oak Investments reserves the right to charge the Client a reasonable administration fee for issuing any duplicate invoices, statements, or other documents requested by the Client, where such document has previously been provided by Pinnacle Oak Investments.
18. QUOTATIONS

1.100 Subject to clause 5.3, all Quotations are valid for 30 days from the date of Quotation.

1.101 Pinnacle Oak Investments reserves the right to charge the Client for any costs incurred as a result of the Client varying its Quotation or the Contract, correcting any errors or omissions referred to in clause 18.3, or requiring Goods urgently.

1.102 Pinnacle Oak Investments will supply the Services on the basis of the Proposal and Quotation (whether written or oral). Pinnacle Oak Investments will not be responsible for any errors or omissions in relation to the Services where those errors or omissions result wholly or partially from incomplete or unclear instructions provided by the Client.

1.103 The Quotation will outline any exclusions from the Services.
19. CANCELLATION

1.104 Pinnacle Oak Investments may cancel any Contract any time before Services are provided by giving written notice to the Client. On giving such notice, Pinnacle Oak Investments will repay to the Client any sums paid in respect of the Services. Pinnacle Oak Investments will not have any other liability in respect of such cancellation.

1.105 Subject to clause 4.2, the Client may only cancel a Contract in the following circumstances:

1.105.1 by providing thirty (30) days notice in writing of such cancellation; or

1.105.2 at any time except with Pinnacle Oak Investments’ prior written consent.

1.106 In the event that the Client cancels a Contract otherwise than under clause 4.2:

1.106.1 Pinnacle Oak Investments may retain any deposit or other sums paid on account of the Services; and

1.106.2 if payment is not already made in full, the Client will be responsible for any losses incurred by Pinnacle Oak Investments in respect of such cancellation (including loss of profits, loss of anticipated savings, economic loss, interruption of business loss, or other incidental, consequential, or indirect damages).

1.107 In the event the Client cancels a Contract under clause 4.2, Pinnacle Oak Investments will repay to the Client any sums paid in respect of the Services. Pinnacle Oak Investments will not have any other liability in respect of such cancellation.
20. SUSPENSION OR TERMINATION OF SERVICES BY PINNACLE OAK INVESTMENTS

1.108 If the Client makes a default in any payment due to Pinnacle Oak Investments, commits any act of bankruptcy, or enters into liquidation whether voluntary or involuntary, Pinnacle Oak Investments may in its absolute discretion suspend supply of any Services to the Client or cancel any Contract with the Client, without prejudice to any other rights of Pinnacle Oak Investments.

1.109 No default by the Client or action taken by Pinnacle Oak Investments under clause 20.1 will prejudice any rights of Pinnacle Oak Investments against the Client whatsoever, including any right to recover any amounts due for Services previously provided by Pinnacle Oak Investments to the Client.
21. CONFIDENTIAL INFORMATION

1.110 The Recipient agrees in favour of the Provider that during the term of this Contract, and after the expiration of this Contract, that all Confidential Information provided to the Recipient or of which the Recipient becomes aware as a result of this Contract:

1.110.1 will be kept strictly confidential;

1.110.2 will not without the Provider’s consent:

1.110.2.1 be disclosed or divulged to any third party;

1.110.2.2 will not be copied or reproduced;

1.110.2.3 will not be used for any purpose or enterprise other than for the purpose of this Contract;

1.110.3 will be safely and securely stored when not in use; and

1.110.4 will remain the absolute and exclusive property of the Provider.

1.111 This duty of confidence does not extend to Confidential Information:

1.111.1 which is known to the Recipient at the date of this Contract; or

1.111.2 which comes into the public domain after the date of the Contract otherwise than as a result of a breach of the Contract by the Recipient; or

1.111.3 which is disclosed to the Recipient by a third party with the right to do so or which is required by law to be disclosed, provided that the Recipient notify the Provider as soon as such Confidential Information becomes known to the Recipient; or

1.111.4 which is disclosed by the Recipient as required by law.

1.112 The Recipient bears the onus of proof of the matters referred to in clause 21.2.

1.113 The Recipient must bind its Authorised Persons, employees, and permitted agents and subcontractors (if any) who have access to the Confidential Information to comply with all the Recipient’s obligations under this clause.

1.114 The Recipient must indemnify the Provider against all Liabilities in respect of any breach of this clause 21 by the Recipient or any Authorised Persons, employees, or permitted agents or subcontractors of the Recipient.
22. INTELLECTUAL PROPERTY

1.115 Pre-Existing Intellectual Property

Notwithstanding any other clause of this Contract, the ownership of the Intellectual Property Rights in any item which exists prior to the commencement, or is created independently, of this Agreement (Pre-Existing IP) will not be altered, transferred, or assigned merely by virtue of a party using that item for the purposes of this Contract.

1.116 Licence to Use Pre-Existing IP

To the extent that the Pre-Existing IP owned by Pinnacle Oak Investments is incorporated into the provision of any Services, in accordance with this Contract, unless those items are licensed to the Client under a separate agreement with Pinnacle Oak Investments, Pinnacle Oak Investments grants a non-exclusive, worldwide, royalty-free licence to the Client to use the Pre-Existing IP, but only to the extent necessary for the purpose of obtaining the full benefit and use of the Services as contemplated by this Contract, and only for the Term unless agreed to otherwise by Pinnacle Oak Investments.

1.117 Ownership of What Is Created in the Provision of the Services

Unless stated to the contrary in writing, Pinnacle Oak Investments:

1.117.1 assigns to the Client the Intellectual Property Rights in any materials created as part of the Services (and in all research and reports commissioned by the Client and used to support or provide the Services) and acknowledges that the Client will be the owner of such materials immediately upon their creation;

1.117.2 must ensure that the Intellectual Property Rights in any materials created as part of the Services by any third party on its behalf are assigned to Pinnacle Oak Investments immediately on their creation, so as to enable Pinnacle Oak Investments to comply with and give effect to the assignment under this clause;

1.117.3 consents to all acts or omissions by or on behalf of the Client that might otherwise constitute an infringement of moral rights in the materials produced as part of the Services. This clause 22.3 does not apply to any part of the Services that is Pre-Existing IP.

1.118 Licence to the Client’s Intellectual Property

The Client grants a perpetual, non-exclusive, worldwide, non-transferrable, royalty-free license to Pinnacle Oak Investments (including the right to grant sub-licenses) in respect of:

1.118.1 the Client’s Intellectual Property Rights in or in relation to any information or materials provided by the Client to Pinnacle Oak Investments for the provision of the Services, but only to the extent necessary for the purpose of providing the Services as contemplated by this Contract; and

1.118.2 the Intellectual Property Rights in or in relation to any information or materials created by Pinnacle Oak Investments and which is assigned to the Client pursuant to clause 22.3, with the authority to use the information or materials produced in providing services to other clients (provided such use does not infringe the Client’s Intellectual Property Rights which are licensed pursuant to clause 22.4.).

1.119 Warranties by Pinnacle Oak Investments

Pinnacle Oak Investments warrants that neither:

1.119.1 the provision of the Services by Pinnacle Oak Investments; nor

1.119.2 the exercise of any rights under clause 22.2, will infringe any Intellectual Property Rights of any third party.

1.120 Warranties by the Client

The Client warrants that neither:

1.120.1 the provision of the information and materials supplied by the Client or the Client’s Intellectual Property for the Services; nor

1.120.2 the exercise of any rights under clause 22.4, will infringe any Intellectual Property Rights of any third party.
23. PLACE OF CONTRACT

1.121 This Contract is made in the Republic of Singapore.

1.122 The Client and Company agree that unless otherwise stipulated by Pinnacle Oak Investments, all disputes arising between them shall be submitted to the courts of the Republic of Singapore and any court competent to hear appeals from those courts of first instance.
24. DISPUTE RESOLUTION

1.123 Any dispute between the parties arising from the performance of the provisions of this Contract and any invoice for payment issued by Pinnacle Oak Investments to the Client must be attempted to be settled between the parties by an authorised representative with authority from each party meeting within fourteen (14) days of notification of a dispute in writing from one party to the other party. Such meeting is to take place within the Republic of Singapore at a place nominated by Pinnacle Oak Investments.

1.124 If the meeting referred to in clause 24.1 does not result in the settlement of the dispute between Pinnacle Oak Investments and the Client, the dispute may then be referred to mediation, if agreed by both parties. The mediator is to be appointed by agreement between the parties, and in the event that the parties agree to mediate but within seven (7) days of agreeing to such mediation cannot agree to the mediator to be appointed, then the mediator is to be appointed by the then current President of the Law Society of Singapore. The costs of any mediation are to be borne equally between the parties.

1.125 If the dispute cannot be settled through mediation, or the parties do not both consent to a mediation, then either party is at liberty to commence legal proceedings.

1.126 During the period in which the dispute is being resolved, the parties must continue to perform all of the provisions of the Contract which are not under dispute.
25. MISCELLANEOUS

1.127 A Contract may be altered in writing signed by each party.

1.128 Unless otherwise provided, a party may in its discretion give (conditionally or unconditionally) or withhold any approval or consent under a Contract.

1.129 The Client must not assign or otherwise deal with a Contract or any right under it without the written consent of the other party.

1.130 A Contract constitutes the entire agreement between the parties about its subject matter and supersedes any prior understanding, agreement, condition, warranty, indemnity, or representation about its subject matter.

1.131 A waiver of a provision of or right under a Contract must be in writing signed by the party giving the waiver and is effective only to the extent set out in the written waiver.

1.132 The failure, delay, relaxation, or indulgence by a party in exercising a power or right under a Contract is not a waiver of that power or right.

1.133 An exercise of a power or right under a Contract does not preclude a further exercise of it or the exercise of another right or power.

1.134 Each indemnity, obligation of confidence, and other term capable of taking effect after the expiration or termination of a Contract remains in force after the expiration or termination of the Contract.
26. INTERPRETATION

In these Conditions, unless the context otherwise requires:

1.135 headings do not affect interpretation;

1.136 singular includes plural and plural includes singular;

1.137 a reference to a party includes its executors, administrators, successors, and permitted assigns;

1.138 a reference to a person includes a partnership, corporation, association, government body, and any other entity;

1.139 an agreement, representation, warranty, or indemnity by two or more parties (including where two or more persons are included in the same defined term) binds them jointly and severally;

1.140 an agreement, representation, warranty, or indemnity in favour of two or more parties (including where two or more persons are included in the same defined term) is for the benefit of them jointly and severally;

1.141 a reference to legislation includes any amendment to it, any legislation substituted for it, and any subordinate legislation made under it;

1.142 a provision is not construed against a party only because that party drafted it;

1.143 an unenforceable provision or part of a provision may be severed, and the remainder of these Conditions continues in force, unless this would materially change the intended effect of these Conditions;

1.144 the meaning of general words is not limited by specific examples introduced by ‘including’, 'for example', or similar expressions.

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