Legal
Terms of Business
The terms on which we provide our services.
These terms apply when you buy a service from Circle 26. They set out what you are buying, what it costs, what we will do, and what happens if plans change.
They sit alongside our Privacy Policy, Disclaimer, AI Policy and, for members, our Community Charter and Terms of Use.
If you have questions before you buy, write to legal@circle26.com. We would rather answer them first.
1. Who we are
Circle Family Office Pte. Ltd. ("Circle 26", "we", "us"), a company incorporated in Singapore, company number 202526403M, registered office 160 Robinson Road, #14-04 SBF Centre, Singapore.
2. What we do, and what we do not do
We set a standard for how Lean Family Offices are run, and we equip the people who run them. That is the whole of what we do.
We do not manage assets, take custody of anything, execute or approve payments, sell financial products, or charge fees calculated by reference to your wealth.
We are not a regulated financial adviser, investment adviser, fund manager, tax adviser, accountant, auditor, law firm, trustee or custodian, and we are not licensed or regulated in any jurisdiction in any such capacity.
Nothing we provide is investment, tax, legal or accounting advice. We document the framework you decide on and give you the tools to run it. Decisions about your assets, structures and advisers remain yours, and you should take advice from your own qualified advisers before acting on anything.
Our Disclaimer sets this out in full and forms part of these terms.
Your advisers stay yours. We take no fee, commission, rebate or referral payment from any firm we introduce or work alongside. Ever.
3. The Wealth Clarity Session
3.1 What it is
A facilitated diagnostic conducted by a Circle 26 assessor across ten operational domains of your family office. It runs approximately ninety minutes and is held remotely unless we agree otherwise.
3.2 What you receive
- The facilitated session itself
- A written Wealth Clarity Report, covering your complexity and maturity scores across all ten domains, the findings that follow from them, and a prioritised roadmap
- Indicatively within seven working days of the session. This is our working target, not a fixed deadline. Where a report will take longer, we will tell you.
3.3 What we need from you
Honest answers. The report is only as good as the picture you give us, and we do not verify what you tell us independently. Nothing you say is checked against documents unless you choose to provide them.
3.4 Payment
The fee is stated at the point of booking and is payable in full at that time. Payment is taken through Stripe. Card details are entered directly into Stripe's systems and never reach us.
3.5 Rescheduling
You may reschedule by giving us at least two business days' notice before the session. There is no charge, and no limit on how many times, provided each request meets that notice period.
Where you give less than two business days' notice, or do not attend, the session is treated as delivered and the fee is not refunded. We will always try to help where something unavoidable happens — tell us and we will do what we reasonably can.
3.6 Refunds and the credit
The fee is non-refundable.
It is credited in full against the fee for a Membership or a Build engagement, where you proceed within ninety days of your session. The credit is automatic and is not discretionary — it appears on your engagement letter or membership invoice as a deduction.
You never pay for the session twice. Membership includes a Wealth Clarity Session in year one. Where you paid for a session before joining, that fee is credited against your first year's membership, so the total is the same whichever order you do it in. A member who applies first pays the annual membership fee and the session is included; a member who takes the session first pays for it, then pays the balance of the membership fee.
Where you proceed after ninety days, we may still apply the credit, but we are not obliged to.
The credit cannot be exchanged for cash, transferred to another party, or applied more than once.
3.7 Confidentiality
The session is conducted under the Chatham House Rule. What you tell us is confidential and we will not disclose it.
We will also ask you to sign a mutual non-disclosure agreement before the session. That agreement, not this clause, is the operative protection for both of us. These terms do not replace it.
3.8 Rights if you are a consumer
If you are buying as an individual for purposes outside your trade or profession, you may have a statutory right to cancel within a cooling-off period under the law of your country. Where you ask us to begin — including where a session takes place — within that period, you may lose that right or become liable for the value of what has been provided. Nothing in these terms affects rights you have that cannot be excluded by law.
4. Membership
Membership is held by a family office and covers three named seats. Applications are reviewed individually, and we may decline an application without giving reasons.
The fee is a single fixed annual amount per family office and is never linked to your assets. Year one includes a facilitated Wealth Clarity Session; subsequent years do not, and are charged at a lower rate. Additional seats are available at a fixed annual rate per seat.
We confirm the fee, and the rate for additional seats, at application and before any commitment is made.
Year one includes a facilitated Wealth Clarity Session. Where you have already paid for a session before joining, that fee is credited against your first year's membership under section 3.6.
Membership is governed by the Membership Agreement we provide at application, and by our Community Charter and Terms of Use. Membership runs for twelve months from the date access is granted, renews automatically, and may be declined on sixty days’ notice before the end of a term. A term, once begun, runs to its end. Behaviour inside the community — confidentiality, the Chatham House Rule, and the rule against soliciting other members — is governed by the Charter, and members should read it before joining.
5. Build and Continuity engagements
Where we build an operating system for a family, or maintain one, that work is governed by a separate signed Services Agreement, not by these terms.
That agreement sets out the scope, the deliverables, the assumptions it is priced against, what is delivered by third parties, what the family does itself, and the terms on which it ends. It prevails over anything on this website.
We take on a limited number of these engagements each year.
6. Prices, invoices and tax
Prices are stated at the point of booking or in your engagement letter.
Fees are exclusive of goods and services tax, value added tax and any other applicable tax, which is charged in addition where it applies. Where you are required by law to withhold any amount, you will pay us such additional sum as leaves us with the amount we would have received had no withholding applied.
Invoiced services are payable within fourteen days unless the engagement letter says otherwise. We may charge interest on overdue amounts at 1% per month.
7. What we own, and what you own
Ours. The Blueprint, the frameworks, the assessment methodology, the templates, the scoring model and everything we publish belong to Circle 26.
Yours. Reports, registers and governance documents we prepare specifically for you belong to you once you have paid for them. Where we build an operating system, ownership is dealt with in the Services Agreement.
How you may use our material. Inside your own family office, including adapting it for your own structures. Not to publish, sell, share outside your family office, or deliver services to other families.
8. Confidentiality
We keep what you tell us confidential and use it only to provide the service you have asked for.
All sessions are held under the Chatham House Rule. Where we write about our work publicly, we do so in general terms and we never identify a client without their written consent.
Our Privacy Policy explains how we handle personal data.
9. Reliance
Everything we produce is compiled from what you and your advisers tell us. We do not independently verify it, and we have no obligation to audit, investigate or confirm anything with any institution.
Our reports and registers are an operational record. They are not an audit, assurance engagement, valuation, legal opinion, tax computation or statutory record, and they must not be described or relied on as any of those things. They do not replace legal documents, statutory registers, accounts, tax records or custodian statements, each of which prevails over anything we produce.
They are prepared for you. If you share them with a trustee, adviser, lender, insurer or anyone else, you do so at your own risk. We owe no duty of care to any third party who receives them.
10. Our liability
Nothing in these terms limits liability for fraud, for death or personal injury caused by negligence, or for anything else that cannot lawfully be limited.
Subject to that:
- We are not liable for indirect or consequential loss, loss of profit, revenue, anticipated savings, opportunity, goodwill or reputation.
- We are not liable for investment losses, diminution in asset value, tax liabilities, interest, penalties or fines.
- We are not liable for loss arising from a decision taken by you, a family member, or any adviser, trustee or institution.
- We are not liable for loss arising from information you gave us that was inaccurate, incomplete or missing.
- Our total liability in connection with any service is limited to the fees you paid us for that service.
Claims must be notified within twelve months of you becoming aware of the circumstances, and no claim may be brought more than two years after the service was provided.
11. If something goes wrong
Tell us. Write to legal@circle26.com setting out what happened and what you would like us to do. We will acknowledge within two business days and respond substantively within ten.
We would rather fix something than argue about it.
12. Cancelling and ending
Wealth Clarity Session — as set out in section 3.
Membership — as set out in your membership terms.
Build and Continuity — as set out in your Services Agreement.
We may decline or end an engagement where a client asks us to do something outside our competence or our licence to perform, where we are not given the information we need to do the work properly, or where the working relationship has broken down. Where we do, we will invoice only for work completed and hand over everything finished to that point.
13. Things outside our control
We are not liable for delay or failure caused by something beyond our reasonable control. Where that happens we will tell you and reschedule.
14. General
These terms, together with any engagement letter or Services Agreement, are the whole of what is agreed between us. Where an engagement letter or Services Agreement differs from these terms, that document prevails.
We may update these terms. The version that applies to you is the one in force when you booked or signed.
Neither of us may transfer our rights or obligations without the other's consent, except that we may transfer to a successor in our business.
If any part of these terms is found unenforceable, the rest continues to apply.
15. Governing law
These terms are governed by the laws of Singapore, and the courts of Singapore have exclusive jurisdiction, except where you are a consumer and the law of your own country gives you the right to bring proceedings there.
Contact
Circle Family Office Pte. Ltd. 160 Robinson Road, #14-04 SBF Centre, Singapore legal@circle26.com