Terms and Conditions for Golden Path Consultancy

These Terms and Conditions (“Terms”) govern your use of the services provided by Golden Path Consultancy (referred to as “our site,” “we,” “us,” or “our online platform”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

1. Acceptance of Terms

By engaging with Golden Path Consultancy for financial planning, lifestyle consulting, or any related services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services.

2. Services Provided

Golden Path Consultancy specializes in providing a comprehensive range of financial planning and lifestyle consulting services, including but not limited to:

• Retirement planning strategies.
• Wealth management for seniors.
• Development of passive income strategies.
• Estate planning and legacy creation.
• Lifestyle coaching for retirees.
• Financial integration of health and wellness aspects.

Our services are advisory in nature and tailored to individual client needs. We do not guarantee specific financial outcomes or investment returns.

3. Client Responsibilities

Clients are responsible for providing accurate, complete, and timely information necessary for us to provide our services. Any changes to your financial situation or goals should be communicated to us promptly. You agree to cooperate fully with our consultants and provide all requested documentation.

4. Fees and Payments

Fees for our services will be discussed and agreed upon prior to engagement, and will be outlined in a separate service agreement or engagement letter. Payment terms and schedules will be specified therein. All fees are non-refundable unless otherwise agreed upon in writing.

5. Confidentiality

Golden Path Consultancy is committed to protecting the confidentiality of your personal and financial information. We will not disclose your confidential information to third parties except as required by law, with your explicit consent, or as necessary to provide the agreed-upon services. Our confidentiality obligations are further detailed in our Privacy Policy.

6. Intellectual Property

All content, materials, and intellectual property found on our online platform, including but not limited to text, graphics, logos, and service marks, are the property of Golden Path Consultancy or its licensors and are protected by applicable intellectual property laws. You may not use, reproduce, or distribute any content from our site without our prior written permission.

7. Limitation of Liability

To the fullest extent permitted by law, Golden Path Consultancy shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of or inability to use our services. While we strive to provide accurate and sound advice, financial decisions are ultimately your responsibility, and market conditions can change rapidly.

8. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the services will immediately cease.

9. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be settled by arbitration in Singapore in accordance with the Singapore International Arbitration Centre (SIAC) Rules.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of our services after such modifications will constitute your acknowledgment of the modified Terms and agreement to abide and be bound by the modified Terms.

11. Contact Us

If you have any questions about these Terms, please contact us at: