Legal
Disclaimer
The limits of what we provide.
This page sets out the limits of what Circle 26 does. It is short, and it is important. It forms part of our Terms of Use and our Terms of Business.
1. We are not regulated, and we do not give advice
Circle Family Office Pte. Ltd. (company number 202526403M) is not a regulated financial adviser, investment adviser, fund manager, broker, dealer, tax adviser, accountant, auditor, law firm, trustee, custodian, payment agent or fiduciary. We are not licensed or regulated in any jurisdiction in any such capacity, and we do not hold ourselves out as being so.
Nothing we publish or provide is:
- investment advice, or a personal recommendation about any investment
- tax advice
- legal advice
- accounting or audit advice
- a regulated financial service of any kind
This applies to everything — our website, the Wealth Clarity Assessment, our guides, essays and research, our newsletter, our events and sessions, discussions inside our community, and the reports and documents we prepare for clients.
2. Nothing here is an offer or an invitation
Nothing on this website or in anything we publish is an offer to sell, or an invitation or inducement to buy, subscribe for or deal in any security, fund, financial instrument or investment.
We do not promote investments. We do not introduce investment opportunities. We do not carry out any regulated activity in any jurisdiction.
3. What we actually do
We set a standard for how Lean Family Offices are run, and we equip the people who run them — with a framework, a method, templates, an operating system, an assessment of where an office stands today, and a peer circle of people doing the same job.
We document the framework a family decides on. Where we prepare a governance document — an investment policy, a delegation of authority, a charter, a workflow — we record the parameters, thresholds and intentions that family has stated. We do not advise on whether those choices are suitable, adequate, enforceable or wise.
We do not manage assets, take custody, execute or approve payments, select managers, or sell products. We do not charge fees calculated by reference to your wealth.
We take no fee, commission, rebate or referral payment from any firm we introduce or work alongside.
4. Take your own advice
Every family's structure, jurisdictions, obligations and circumstances are different. What works for one family may be wrong, or unlawful, for another.
Before acting on anything we provide, take advice from your own qualified and appropriately regulated advisers — legal, tax, accounting and investment. We recommend this in every case, and where we prepare a document for you, we recommend it is reviewed before you adopt or execute it.
Decisions about your assets, structures, advisers and affairs are yours.
5. Our reports and registers
Anything we produce — a Wealth Clarity Report, a wealth map, a register, a governance document — is compiled from information you and your advisers give us. We do not independently verify it. We have no obligation to audit, investigate, or confirm anything with any bank, custodian, adviser or authority.
What we produce is an operational record. It is not an audit, a review, an assurance engagement, a valuation, an actuarial opinion, a legal opinion, a tax computation or a statutory record, and it must not be described or relied upon as any of those.
It does not replace legal documents, constitutional documents, statutory registers, statutory accounts, tax records, trust deeds or custodian statements. Where our record and any of those differ, those documents prevail.
6. Third parties may not rely on our work
Everything we prepare is prepared for the client who engaged us, for their own internal use.
No one else may rely on it. If a client shares a report or register with a trustee, adviser, lender, insurer, counterparty, family member or authority, they do so at their own risk. We owe no duty of care to any third party who receives it, whether or not we knew it would be shared.
7. Figures, research and benchmarks
Where we publish figures — the cost of running a family office, market benchmarks, industry data — we say where they come from and as at what date.
They are general, they are indicative, and they may be out of date by the time you read them. They describe a market, not your situation. They are not a quotation, a valuation, a forecast or a promise of any outcome.
Where we describe a range of savings, efficiencies or improvements, that is an illustration of what has been possible elsewhere. We do not guarantee any financial outcome, saving, recovery or return.
8. The Wealth Clarity Assessment
The assessment on our website scores the answers you give it against our framework, and returns a profile.
It has not verified anything you entered. It does not know your jurisdictions, your structures, your obligations or your circumstances. It is a prompt for a conversation, not a diagnosis, a recommendation or a decision.
No one at Circle 26 sees your answers unless you send them to us, and nothing is decided about you on the basis of them.
9. What members say
Our community is a room of peers. Members share experience, not advice.
Anything said by a member is that member's own view. It is not ours, we do not endorse it, we do not check it, and we are not responsible for it. Do not act on something you read in the community without taking your own advice.
10. Guests, speakers and contributors
Where we host an expert session, publish an interview, or feature someone outside Circle 26, the views expressed are theirs alone.
Naming a speaker, a firm or an adviser is not a recommendation or an endorsement, and it does not mean we have assessed them.
11. Our website
We take care with what we publish, but content on this site is general and current only as at the date shown. We do not warrant that it is complete, accurate or up to date, and we may change it without notice.
We link to other websites. We do not control them and we are not responsible for what they contain.
12. Limits on our liability
To the extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, anything we publish or provide — including investment losses, tax liabilities, penalties, fines, or loss of profit, revenue, savings or opportunity.
Nothing here limits liability for fraud, for death or personal injury caused by negligence, or for anything else that cannot lawfully be limited or excluded.
Where you have bought a service from us, liability for that service is governed by our Terms of Business or your signed Services Agreement.
Contact
Circle Family Office Pte. Ltd. 160 Robinson Road, #14-04 SBF Centre, Singapore legal@circle26.com