Disclaimer

1. General Disclaimer

The information, content, materials, and resources provided by Circle 26 Pte. Ltd. ("Circle 26", "we", "us", or "our") through the Circle 26 website, the Circle 26 Platform, the Lean Family Office Blueprint ("LFOB"), the private Community, and all associated services (collectively, the "Services") are provided for general informational and educational purposes only.

While we endeavour to provide accurate, current, and useful information, we make no representations, warranties, or guarantees of any kind, whether express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any information, content, materials, products, or services contained within or provided through our Services.

Your reliance on any information provided through our Services is strictly at your own risk. We strongly recommend that you verify any information before acting on it and that you seek independent professional advice tailored to your specific circumstances.

2. Not Investment Advice

Circle 26 does not provide investment advice. Nothing contained in our Services, including the LFOB framework, Materials, Community discussions, webinars, events, or any other content, constitutes or should be construed as investment advice, a recommendation to buy, sell, or hold any financial instrument, or a solicitation of any investment activity.

Any references to investment strategies, asset classes, portfolio structures, wealth management approaches, or financial planning within our Services are provided solely for educational and informational purposes and do not constitute personalised investment recommendations.

We are not registered as an investment adviser, broker-dealer, securities dealer, or in any similar capacity with any financial regulatory authority in any jurisdiction. We do not hold any licence that would authorise us to provide investment advice or financial product recommendations.

Before making any investment decisions, you should consult a qualified, licensed financial adviser or investment professional who can assess your individual financial situation, risk tolerance, and investment objectives.

3. Not Legal Advice

Circle 26 does not provide legal advice. Nothing contained in our Services, including the LFOB framework, Materials, templates, guides, Community discussions, or any other content, constitutes or should be construed as legal advice or the creation of a solicitor-client or attorney-client relationship.

Any references to legal structures, trust arrangements, corporate governance, estate planning, regulatory compliance, succession planning, or similar topics within our Services are provided solely for general educational and informational purposes. Such content may not reflect the most current legal developments and may not be applicable to your specific jurisdiction or circumstances.

We are not a law firm. None of our team, contributors, or community members are acting in the capacity of your legal adviser when providing content or participating in discussions through our Services.

You should always consult a qualified, licensed legal professional in the relevant jurisdiction before taking any action based on information obtained through our Services, including but not limited to matters relating to the structuring of family offices, trusts, corporate entities, estate plans, or regulatory compliance.

4. Not Tax Advice

Circle 26 does not provide tax advice. Nothing contained in our Services, including the LFOB framework, Materials, templates, guides, Community discussions, or any other content, constitutes or should be construed as tax advice, tax planning guidance, or a recommendation regarding any tax-related matter.

Any references to tax structures, tax planning strategies, tax-efficient arrangements, cross-border taxation, or similar topics within our Services are provided solely for general educational and informational purposes. Tax laws and regulations are complex, subject to frequent change, and vary significantly between jurisdictions.

We are not a licensed tax adviser, accountant, or tax preparation service. We do not hold any licence or registration that would authorise us to provide tax advice in any jurisdiction.

You should always consult a qualified, licensed tax professional in the relevant jurisdiction before making any decisions or taking any action based on tax-related information obtained through our Services.

5. Not Financial Planning or Accounting Advice

Circle 26 does not provide financial planning, accounting, or audit advice. Nothing contained in our Services constitutes or should be construed as financial planning advice, accounting advice, or a substitute for the services of a qualified financial planner, accountant, or auditor.

Any references to financial models, budgeting frameworks, cost structures, performance metrics, financial reporting, or similar topics are provided solely for general educational and informational purposes.

You should always consult a qualified, licensed financial planner or accountant before making financial decisions based on information obtained through our Services.

6. No Professional-Client Relationship

Your use of our Services does not create any professional-client relationship between you and Circle 26, including but not limited to any solicitor-client, attorney-client, financial adviser-client, accountant-client, or similar professional relationship.

Participation in the Community, attendance at events, or receipt of any Materials or content does not constitute the provision of professional services to you. We are an educational membership platform, not a professional advisory firm.

7. Third-Party Content and Guest Contributors

Our Services may include content, presentations, opinions, or contributions from guest speakers, industry experts, community members, or other third parties. The views and opinions expressed by third-party contributors are their own and do not necessarily reflect the views, opinions, or endorsement of Circle 26.

We do not vet, verify, endorse, or guarantee the accuracy, qualifications, or credentials of any third-party contributors, guest speakers, or community members. Any reliance on third-party content is at your own risk.

8. Member Discussions and Community Content

The Circle 26 Community is a forum for Members to share ideas, experiences, and insights. The content shared by Members within the Community represents their personal views and experiences and does not constitute professional advice.

Circle 26 does not monitor, endorse, verify, or take responsibility for the accuracy, completeness, or reliability of any information shared by Members within the Community. We are not liable for any loss, damage, or consequence arising from any Member's reliance on content shared by other Members.

9. Use of Templates, Tools, and Frameworks

The templates, tools, checklists, frameworks, and other practical resources (collectively, "Tools") provided through our Services are designed as general-purpose educational resources. They are not tailored to any individual's or organisation's specific circumstances.

The Tools should not be used as a substitute for professional advice. Before implementing any Tool in your business or personal affairs, you should have it reviewed by a qualified professional (legal, tax, financial, or otherwise) to ensure it is appropriate for your specific situation and jurisdiction.

Circle 26 accepts no liability for any loss, damage, or adverse consequence arising from the use of any Tool without independent professional review and advice.

10. AI Tools and Automated Content

Our Services may include access to artificial intelligence ("AI") tools and AI-generated content. AI tools are provided as educational and productivity aids. AI-generated content may contain inaccuracies, errors, or outdated information.

You should not rely on AI-generated content as a substitute for professional advice or independent verification. Circle 26 does not warrant the accuracy, completeness, or fitness for purpose of any AI-generated output. You are solely responsible for reviewing, verifying, and validating any AI-generated content before acting on it.

11. No Guarantees of Results

Circle 26 makes no guarantees, representations, or warranties regarding any specific outcomes, results, or returns that may be achieved through the use of our Services, the LFOB framework, the Materials, or any other content.

The success of any family office, wealth management strategy, business structure, or governance framework depends on a wide range of factors that are beyond our control, including individual circumstances, market conditions, regulatory environments, execution quality, and other variables.

Any testimonials, case studies, or examples referenced in our Services are provided for illustrative purposes only and do not guarantee similar results for any other individual or organisation.

12. External Links and Resources

Our Services may contain links to external websites, resources, tools, or services operated by third parties. These links are provided for convenience and informational purposes only. Circle 26 does not endorse, verify, or take responsibility for the content, accuracy, privacy practices, or availability of any linked third-party resources.

Your use of any third-party website or service is governed by that third party's terms and conditions and privacy policy. We encourage you to review these before proceeding.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Circle 26, its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or in connection with:

• Your use of or reliance on any information, content, or materials provided through our Services;
• Any decisions made or actions taken based on information obtained through our Services;
• Any errors, inaccuracies, or omissions in our content or Materials;
• Any interruption, suspension, or termination of our Services;
• Any unauthorised access to or alteration of your data; or
• Any third-party content, actions, or services.

14. Indemnification

You agree to indemnify, defend, and hold harmless Circle 26, its directors, officers, employees, agents, and affiliates from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of our Services, your reliance on any content or information provided through our Services, or your breach of any applicable law or regulation.

15. Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the Republic of Singapore. Any disputes arising out of or in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the courts of the Republic of Singapore.

16. Contact Us

If you have any questions about this Disclaimer, please contact us:

Circle 26 Pte. Ltd.
Email: legal@circle26.com
60 Robinson Road, #14-04, Singapore

By accessing or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Disclaimer.