This document has two parts.

Part One — the Charter is what the room is for and how we expect people to behave in it. It is short, and it is the part that matters most.

Part Two — the Terms of Use are the rules that give the Charter effect. They are binding on every member.

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PART ONE — THE CHARTER

Why this room exists

Most people who run a family office have no peers. The work is confidential by nature, the role has no standard job title, and the people who understand it are scattered across other families who never meet.

Circle 26 exists to end that isolation without compromising the confidentiality that makes it necessary. This is a working room for people who hold the whole picture for a family — principals who built the wealth, and the operators, coordinators, chiefs of staff and family members who run the office day to day.

What we hold to

One · What is said here stays here. Every session and every conversation runs under the Chatham House Rule. You may use what you learn. You may not say who said it, or which family it concerned.

Two · Nobody is here to be sold to. This is not a lead source. Members do not pitch, prospect, solicit or market to other members. The value of the room depends entirely on this, and we enforce it without discussion.

Three · We share the real version. The gaps, the things that went wrong, the decision that looked right and wasn't. A room of polished summaries is worth nothing. Bring the actual problem.

Four · Nobody here is your adviser. Members share experience, not advice. What worked for one family under one set of laws may be wrong for yours. Your own advisers remain your advisers.

Five · Protect the families who are not in the room. The people whose affairs you describe did not choose to be discussed. Anonymise. Generalise. Leave out what does not need to be there.

Six · Contribute before you extract. This works because people answer each other. If you only take, the room stops being worth joining.

Seven · Disagree properly. Direct challenge is welcome and expected. Contempt is not.

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PART TWO — TERMS OF USE

1. Who these terms apply to

These terms apply to everyone with access to the Circle 26 membership community, the Peer Circle, the Blueprint, Expert Sessions, Workshops and any other member space we operate ("the Community").

They apply from the moment you first access the Community, and they sit alongside your membership agreement with us. Where your membership agreement and these terms differ, the membership agreement prevails.

"We", "us" and "Circle 26" mean Circle Family Office Pte. Ltd. (company number 202526403M), 160 Robinson Road, #14-04 SBF Centre, Singapore.

2. Membership and seats

Membership is held by a family office, not by an individual, and covers a stated number of named seats.

Seats are personal to the individual named. You may not share your access, your credentials or the Community's content with anyone who does not hold a seat — including colleagues, advisers and family members.

If a seat holder leaves your family office, tell us and we will transfer the seat. Do not pass on credentials.

Applications are reviewed individually, and we may decline an application without giving reasons.

3. The Chatham House Rule

Everything in the Community runs under the Chatham House Rule.

You may use the information and ideas you encounter here, in your own work and in your own words.

You may not identify, or allow anyone to infer:

• who said it,
• which family, office or organisation they were speaking about, or
• which advisers, institutions or counterparties were involved.

This applies during a session, after it, inside the platform, outside it, in private conversation, in public writing, on social media and in any commercial material.

The rule protects the person speaking. It does not become weaker because a conversation was informal, because the person seemed relaxed about it, or because you think nobody would mind.

4. Confidentiality

Everything shared in the Community is confidential. That includes posts, comments, session recordings, documents shared by members, and anything said in a Monthly Session or workshop.

You may not disclose it to anyone outside the Community, or use it for any purpose other than your own work within your own family office.

This obligation continues after your membership ends.

5. No solicitation, no promotion

This is the rule we enforce most strictly. The Community contains principals and operators responsible for substantial wealth. It is not a business development channel, and it will stop working the moment it becomes one.

You may not, whether directly, indirectly, through another person or by implication:

• pitch, market, promote or advertise any product, service, fund or opportunity to any member;
• contact a member privately for a commercial purpose without their prior invitation;
• use the Community, or any information obtained through it, to build a prospect list or identify business opportunities;
• introduce a member to a third party for a commercial purpose without that member's prior request;
• post or share promotional material, capital raising documents, sales collateral or investment opportunities;
• use your membership, or Circle 26's name, in your own marketing without our prior written consent.

If you are a practitioner or adviser. Practitioners are welcome here as peers, and many members are professionals who run offices for families. You may say what you do, and you may answer a direct question about your work. What you may not do is take a conversation commercial. If a member asks you to work with them, take it outside the Community and tell us.

Breach of this section results in removal, usually without a warning.

6. No advice

Members share experience. Members do not give advice, and nothing said in the Community is advice.

You may not present anything you post as investment, tax, legal, accounting or regulatory advice, and you should not rely on anything you read here as though it were.

Circle 26 gives no advice either. We are not a regulated financial adviser, investment adviser, tax adviser, law firm, trustee or custodian. We set a standard and equip the people who apply it. Our Disclaimer sets this out in full.

Every family's structure, jurisdictions and obligations are different. What worked elsewhere may be wrong, or unlawful, for you. Take advice from your own qualified advisers before acting.

7. Protecting people who are not in the room

Most of what members discuss concerns families, relatives, beneficiaries and advisers who are not present and did not agree to be discussed.

Before you post:

• Anonymise. No names of family members, beneficiaries, employees or advisers.
• Generalise. "A European holding structure" rather than the entity name.
• Leave out what is not needed. Account numbers, valuations to the pound, addresses, dates of birth and health or family circumstances rarely add anything to the question.
• Ask yourself whether you have the right to share it. If you hold this information because someone trusted you with it, that trust does not extend to us.

Do not upload documents containing personal data about identifiable individuals. If a document is central to your question, redact it first.

8. What you may not post

• Anything unlawful, or that would breach a duty of confidence, a non-disclosure agreement or a professional obligation you owe someone else
• Anything defamatory about a person, an adviser, an institution or a firm
• Anything discriminatory, harassing, abusive or threatening
• Anything designed to harm the platform, or any malicious code
• Anyone else's confidential or copyrighted material, without the right to share it
• Content generated to fill space rather than to help anyone

9. Recordings

Expert Sessions and Workshops are recorded. We say so at the start of each session.

Recordings are made available to members through the membership platform and remain available to members who join later. They are not shared outside the membership. If you speak in a session, your voice, your name and your contribution form part of that recording.

If you would rather not be recorded, attend with your camera and microphone off and use the written questions, or tell us in advance.

You may not record anything yourself, by any means, and you may not download, copy, share, transcribe or republish a Circle 26 recording. Recordings are for your own use inside your own family office.

10. Intellectual property

Ours. The Blueprint, the frameworks, the templates, the assessment methodology, the session materials and everything else we publish in the Community belong to Circle 26.

Your membership gives you the right to use them inside your own family office, including adapting them for your own structures. It does not give you the right to publish them, sell them, share them outside your family office, use them to deliver services to other families, or present them as your own work.

Yours. What you post remains yours. By posting it you allow us and other members to read it, quote it within the Community, and use the ideas in it — subject at all times to the Chatham House Rule.

Others'. Do not post material belonging to someone else unless you have the right to.

11. Data protection

We are the controller for member data and content within the Community. Our Privacy Policy explains what we collect and why.

The Community runs on Circle.so, a separate platform. Circle.so processes member data on our instructions, and is also an independent controller for its own platform usage data under its own notices.

Where you post personal data about someone else — a family member, an employee, an adviser — you are responsible for having the right to share it. Section 7 exists to keep this to a minimum.

12. Moderation

We read the room, and we act.

Where something falls short, we may edit or remove a post, ask you to change something, or raise it with you privately. Most issues end there.

Where something is serious or repeated, we may suspend your access while we look into it, or remove you from the Community.

We remove without warning for breach of section 5 (solicitation), a serious breach of confidentiality or the Chatham House Rule, or conduct that makes the room unsafe for others.

Where a membership is removed for breach, fees already paid are not refunded.

We are not obliged to review everything posted, and we are not responsible for what members say. But where we are told about something, we will look at it.

13. Reporting

If something concerns you — a solicitation, a breach of confidence, a post about a family that should not be there, or the way someone has spoken to you — tell us at legal@circle26.com.

We treat reports confidentially. Reporting something in good faith will never count against you.

14. When membership ends

Your access ends. You may ask us to remove your posts, and we will do so, though quoted extracts within other members' discussions may remain.

Your confidentiality obligations continue. Sections 3, 4, 5, 9 and 10 survive the end of your membership indefinitely.

15. Availability

We aim to keep the Community running, but we do not guarantee uninterrupted access. The platform is provided by Circle.so and is subject to their availability.

We may change the structure of the Community, the content within it, or the platform it runs on.

16. Changes to these terms

We will post any change here and update the date above. Where a change materially affects your rights or obligations, we will tell members directly before it takes effect.

17. Governing law

These terms are governed by the laws of Singapore, and the courts of Singapore have exclusive jurisdiction.

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Contact

Circle Family Office Pte. Ltd. 160 Robinson Road, #14-04 SBF Centre, Singapore legal@circle26.com