These Terms and Conditions (T&C) govern the business relationship between GrowthHorizonLab and clients who use our professional financial optimization services, financial consultation guidance, and business development support. By ordering our services or requesting information through our website, the client accepts these T&C as binding. All deviating agreements must be concluded in writing and explicitly confirmed by both parties.
Service requests can be submitted through our online contact form, email, phone, or in writing. A legally binding service agreement is established only through our written confirmation or the actual start of professional financial optimization services. For specialized financial consultation services, the service relationship begins with the client's written acceptance of our detailed offer. We reserve the right to reject requests without justification or to terminate planned consultations if client requirements prevent the provision of services. In such cases, all payments will be proportionally refunded.
The exact scope of our professional financial optimization services and financial consultation guidance is defined in the relevant service description or individual service confirmation. Our range of services includes:
All prices are quoted in Singapore Dollars (SGD) and include applicable taxes. Payment for services follows this schedule, unless otherwise agreed:
Cancellations and schedule changes must be communicated in writing or via email. The following cancellation policies apply:
One free schedule adjustment is allowed if requested at least 24 hours in advance. For ongoing financial guidance contracts, a 30-day notice period applies for termination at the end of the quarter.
At GrowthHorizonLab, we strive for the highest client satisfaction and maintain a comprehensive refund policy for our professional financial optimization services:
All refund requests must be submitted in writing with detailed justification. Valid refund requests are processed within 10 business days. Please note that certain third-party costs or specialized financial assessments may not be refundable. Refunds are processed using the original payment method.
We provide our services with the utmost care and in accordance with professional financial standards. Our services are based on information and business objectives provided by the client. We do not assume responsibility for damages or disadvantages arising from incomplete, incorrect, or delayed client information. We recommend a thorough discussion of business objectives before starting the service. Our liability is limited to intentional negligence and gross negligence, with maximum compensation limited to three times the amount paid for services in the last six months.
All financial methodologies, professional solutions, and guidance frameworks that we develop are protected by copyright and remain our intellectual property. Clients receive a simple, non-transferable right to benefit from these services exclusively for their business needs. Distribution to third parties, reproduction, or commercial use without our explicit written permission is prohibited. Client-owned materials and business information naturally remain the property of the client.
Protection of business and financial data is our highest priority. All data collected during service provision is used exclusively for contract fulfillment and professional financial optimization services, processed in accordance with applicable data protection regulations. Detailed information about data processing can be found in our Privacy Policy, which is an integral part of these T&C. By ordering our services, you agree to occasionally receive information about financial updates and relevant business development insights. You can unsubscribe from this communication at any time.
Singapore law exclusively governs all contracts. The place of jurisdiction for all disputes is Singapore. If individual provisions of these T&C are invalid or unenforceable, the validity of the remaining provisions remains unaffected. An invalid or unenforceable provision is replaced by a valid provision that most closely approximates the business purpose of the original provision. There are no oral side agreements. Changes to these T&C must be made in writing and will be communicated to you in a timely manner.