Terms & Conditions

1. Definitions

In these Terms and Conditions: "Pesara Counsel", "we", "us" and "our" refer to Pesara Counsel, a legal practice operating in Singapore. "You" and "Client" refer to any individual or entity engaging our services or using our website. "Services" means the legal services described on our website, including pension entitlement review, dispute representation, and retirement estate and pension planning. "Agreement" means these Terms and Conditions together with any engagement letter or letter of instruction issued for a specific matter.

2. Acceptance of Terms

By submitting an enquiry form on our website, attending a consultation, or instructing us to act on a matter, you confirm that you have read and accept these Terms and Conditions. You must be at least 18 years of age and have the legal capacity to enter into an agreement. If you are arranging services on behalf of another person, you confirm that you have authority to act on their behalf.

3. Description of Services

Pesara Counsel provides the following legal services:

• Pension Entitlement Review — written assessment of a client's pension position (SGD 220)
• Pension Dispute Representation — case preparation and representation in pension-related disputes (from SGD 480)
• Retirement Estate and Pension Planning — coordinated planning of pension and estate arrangements (SGD 360)

Services are available to individuals resident in Singapore or those with pension entitlements arising from employment in Singapore. We reserve the right to decline instructions where we have a conflict of interest or where the matter falls outside our area of practice.

4. Engagement and Scope

Our engagement with each client is confirmed by the issue of an engagement letter setting out the specific scope of work, the applicable fee, and any documents we require. No formal legal obligations arise from a preliminary enquiry or consultation until an engagement letter has been issued and accepted. The scope of our work is limited to what is described in the engagement letter; anything beyond that scope will be discussed and agreed before additional work is undertaken.

5. Fees and Payment

Our fees for each service are stated in Singapore Dollars (SGD) and are set out on our website and confirmed in the engagement letter. Fees are payable in advance unless otherwise agreed in writing. We accept payment by bank transfer and major credit cards. Where additional work is required beyond the agreed scope, we will provide an estimate and obtain your agreement before proceeding. We do not bill for incidental correspondence or brief telephone updates within an active engagement.

6. Cancellation and Refunds

Consultations cancelled at least 48 hours in advance will receive a full refund of any prepaid fee. Cancellations made with less than 48 hours' notice may, at our discretion, be charged for the consultation time. Where we are unable to proceed with an engagement due to a conflict of interest discovered after instruction, we will issue a full refund of any fees paid for work not yet commenced.

7. Client Responsibilities

You agree to:

• Provide accurate, complete, and timely information relevant to your matter
• Inform us promptly of any changes in your circumstances that may affect the matter
• Not misuse the advice provided by applying it to circumstances other than those described to us
• Cooperate with reasonable requests for documents or information during the engagement
• Use our website in a lawful manner and not attempt to circumvent its security

8. Intellectual Property

The written advisory letters, plans and other documents we produce in the course of an engagement are provided to you for your personal use in connection with the matter to which they relate. These documents remain the intellectual property of Pesara Counsel until fees are paid in full, at which point you receive a non-exclusive licence to retain and use them. You may not reproduce or distribute these documents for commercial purposes without our written consent.

9. Confidentiality

We are bound by legal professional privilege and the Law Society of Singapore's professional conduct rules regarding client confidentiality. We will not disclose your information to third parties except as required by law, as described in our Privacy Policy, or with your explicit consent. You agree to keep the contents of our advisory letters and engagement communications confidential, save for reasonable disclosure to family members or professional advisers directly involved in your matter.

10. Disclaimers

Legal advice is opinion-based and depends on the accuracy and completeness of information provided by the client. We do not accept responsibility for outcomes arising from incomplete or inaccurate information. Our written advisory letters set out our view of a client's legal position; they do not constitute a commitment to any particular result in a dispute or regulatory proceeding. The information on our website is general in nature and does not constitute legal advice specific to any individual's circumstances.

11. Limitation of Liability

Our liability to you in connection with any engagement is limited to the fees paid for that engagement. We are not liable for any indirect, consequential, or incidental loss or damage arising from the provision or use of our services, including any reliance on our advice in circumstances other than those for which it was given. Nothing in these terms limits liability for fraud, negligence causing personal injury, or any other matter that cannot be limited under applicable Singapore law.

12. Termination

Either party may terminate an engagement by written notice. Where we terminate, we will inform you in writing, return any documents you provided, and refund fees for work not yet undertaken. Where you terminate, fees for work completed to the date of termination remain payable. Legal professional obligations may, in certain circumstances, require us to cease acting regardless of either party's wishes.

13. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of Singapore. Any dispute arising from your use of our services or website will first be submitted to informal resolution through written correspondence. If not resolved within 30 days, the matter will be referred to mediation under the Singapore Mediation Centre's rules before any court proceedings are commenced. The courts of Singapore shall have exclusive jurisdiction.

14. General Provisions

These Terms and Conditions, together with any engagement letter, constitute the entire agreement between us in respect of the services provided. If any provision is found to be unenforceable, the remaining provisions continue in full force. Our failure to enforce any right does not constitute a waiver of that right. These terms may not be assigned by you without our prior written consent.

15. Changes to These Terms

We may update these Terms and Conditions from time to time. The date at the top of this page indicates the most recent revision. Changes take effect from the date of publication. Continued use of our services after a revision constitutes acceptance of the revised terms.

16. Contact

For legal queries about these Terms, please write to legal@pesarac or to Pesara Counsel, 8 Marina Boulevard, #43-02, Marina Bay Financial Centre, Singapore 018981.