Welcome to www.aureusace.com. These Terms and Conditions govern your use of this website and any enquiry or interaction with Aureus Ace (“we”, “our”, or “us”). By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree, please discontinue use of this website. 1. Website Information The information provided on this website is for general informational purposes only. While we aim to keep information accurate and up to date, we do not guarantee that all content, figures, rates, financing terms, eligibility criteria, approval amounts or processing timelines are complete, current or applicable to every individual or business. All financing information shown is indicative only and subject to assessment by the relevant financial institution, lender, partner or service provider. 2. Services Aureus Ace may provide information, referral support, business advisory support, financing-related assistance and business enhancement services. Our services may involve coordination with third-party financial institutions, lenders, business partners, service providers or professional advisers. We do not guarantee approval, funding, specific interest rates, financing amounts, repayment terms or successful service outcomes. 3. No Financial, Legal or Professional Advice Information on this website does not constitute financial, legal, tax, accounting or professional advice. You should seek independent advice from qualified professionals where necessary before making any financial, business or legal decision. 4. Enquiries and Submissions When you submit an enquiry through our website, contact form, email or any other communication channel, you agree that the information provided is accurate, complete and not misleading. You are responsible for ensuring that all documents, details and declarations submitted are truthful and up to date. Aureus Ace reserves the right to decline, reject or discontinue assistance where inaccurate, incomplete, suspicious or misleading information is provided. 5. Third-Party Institutions and Service Providers Aureus Ace may refer or introduce you to third-party financial institutions, lenders, business partners, vendors or service providers. Any approval, offer, agreement, pricing, fees, terms or conditions provided by third parties are determined solely by those third parties. We are not responsible for any decision, delay, rejection, loss, dispute, act or omission by any third-party institution or service provider. 6. Fees and Payments Where fees are applicable for any service, they will be communicated to you before engagement or commencement of work. You agree to make payment according to the agreed terms. Unless otherwise stated in writing, fees paid may be non-refundable once work has commenced, services have been rendered or third-party costs have been incurred. 7. Website Use You agree not to misuse this website or use it for any unlawful, fraudulent, harmful or unauthorised purpose. You must not attempt to interfere with the website’s operation, security, content, systems or accessibility. 8. Intellectual Property All website content, including text, layout, graphics, branding, design elements and other materials, belongs to Aureus Ace or its respective content owners unless otherwise stated. You may not copy, reproduce, modify, distribute or use any website content for commercial purposes without prior written consent. 9. Limitation of Liability To the fullest extent permitted by law, Aureus Ace shall not be liable for any direct, indirect, incidental, consequential or special loss arising from your use of this website, reliance on information provided, or engagement with any third-party institution or service provider. This includes, but is not limited to, loss of profits, loss of business, loss of opportunity, financing rejection, delays, data loss or reputational damage. 10. Personal Data Your use of this website and submission of personal information are also governed by our Privacy Policy. By submitting your information, you consent to the collection, use and disclosure of your information as described in our Privacy Policy. 11. Third-Party Links This website may contain links to third-party websites. These links are provided for convenience only. We do not control and are not responsible for the content, security, accuracy or privacy practices of third-party websites. 12. Changes to These Terms Aureus Ace may update these Terms and Conditions from time to time without prior notice. The latest version will be published on this website. Continued use of the website constitutes acceptance of the updated Terms and Conditions. 13. Governing Law These Terms and Conditions shall be governed by and interpreted in accordance with the laws of Singapore. Any disputes arising from or relating to these Terms and Conditions shall be subject to the jurisdiction of the Singapore courts. 14. Contact Us If you have any questions regarding these Terms and Conditions, please contact us at: hongbin@aureusace.com www.aureusace.com