Pinnacle Oak
Investments

Comprehensive digital growth solutions designed to empower businesses and private equity investments. Our services drive innovation, optimize performance, and maximize value through cutting-edge technology, strategic marketing, and data-driven insights tailored to your unique goals.

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Terms of Use

WEBSITE TERMS OF USE1. INTRODUCTION1.1 Welcome to pinnacleoakinvestments.com, an online website (including its mobile version) (the “Website”), which is operated by Pinnacle Oak Investments Pte. Ltd. (UEN 202519603M) (hereinafter referred to as “Company”, “we”, “our” or “us”).1.2 The “Services” we provide or make available include: (i) the Website, (ii) the services provided by the Company and (iii) all information, linked pages, features, data, text, images, photographs, graphics, music, sounds, video, messages, tags, content, programming, software, application services (including any mobile application services) and other materials made available by the Company, whether through the Website or its related services (“Content”) or otherwise. These terms and conditions govern your use of the Services provided by us.1.3 By using, accessing or browsing the Website, and/or availing any Services through the Website, you (“Client”, “you” or “your”) agree to be bound by these terms of use, the policies referenced herein and/or accessible by hyperlink hereto (collectively, the “Terms of Use”).1.4 We reserve the right, at our sole discretion, to change, modify, add or remove the terms and conditions of this Terms of Use from time to time. Any amendments to the Terms of Use will be effective immediately after it is uploaded on the Website. Your continued access or use of the Website following the uploading of the amended Terms of Use shall mean that you accept and agree to the amended Terms of Use. This Terms of Use does not alter in any way the terms or conditions of any other written agreement you may have with the Company for other services.1.5 By accessing the Website or using the Services, you and the entity you are authorised to represent signify your agreement to be bound by all the terms and conditions of this Terms of Use. You are also responsible for ensuring that all persons who access the Website or use the Services on your behalf comply with the Terms of Use.1.6 It is your responsibility to ascertain and obey all applicable local, state, federal and international laws (including minimum age requirements) in regard to the use of the Website and the Services. You represent that the Website and Services will be used only in a lawful manner.2. RIGHT TO USEYou may access and use the Website subject to the terms and conditions of the Terms of Use. No right or licence is granted directly or indirectly in any proprietary Content, trademarks, service marks, brand names, logos and other intellectual property displayed on or accessible via the Website (the “Intellectual Property”) to any party accessing the Website to use or reproduce any Intellectual Property, and no party accessing the Website shall claim any right, title or interest therein. By using or accessing the Website, you agree to comply with the copyright, trademark, service mark, and all other applicable laws that protect the Services, the Website and its Content. You agree not to copy, distribute, republish, transmit, publicly display, publicly perform, modify, adapt, rent, sell, or create derivative works of any portion of the Services, the Website or its Content. You also may not, without our prior written consent, mirror or frame any part or whole of the Website or Content on any other server or as part of any other website. In addition, you agree that you will not use any robot, spider or any other automatic device or manual process to monitor or copy our Content, without our prior written consent (such consent is deemed given for standard search engine technology employed by Internet search websites to direct Internet users to the Website).3. ELIGIBILITY TO USE3.1 An individual representing a company, partnership, firm or sole proprietorship shall be eligible to use the Website and the Services on its behalf only if such individual has been duly authorized.3.2 If you breach the Terms of Use, the Company reserves the right to take any legal or other action against you, including but not limited to, denying or revoking access to the Website and Services and referral to the appropriate authorities.4. AVAILABILITY OF THE WEBSITE AND THE SERVICES4.1 The Company does not guarantee that the Website and/or Services will be compatible with all hardware and software which you may use. The Company shall not be responsible for any issues in connection with equipment or intermediary platforms, browsers or applications that you use to access the Website and the Services.4.2 As the Website and the Services may be dependent on other third-party service providers for certain operational aspects (such as website domain hosts and payment services providers), and also due to the nature of the internet, the Company makes no warranty that your access to the Website or use of the Services will be uninterrupted, timely or error-free, or will be free of viruses, worms and/or other harmful or invasive elements. We shall not be liable to you where access to the Website or the provision of Services is disrupted for any reason.4.3 We may, from time to time and without giving any reason or prior notice, upgrade, modify, suspend or discontinue the provision of or remove, whether in whole or in part, the Website or any Services and shall not be liable if any such upgrade, modification, suspension or removal prevents you from accessing the Website or any part of the Services.4.4 The Website undergoes ad-hoc maintenance as the Company deems necessary. The Company does not guarantee that the Website and the Services shall be available twenty-four hours a day. The Company shall not be liable to you for any reason the Website and/or the Services are unavailable at any time or for any period.4.5 If a fault occurs with the Website or the Services, you should report it to us and we will attempt to correct the fault as soon as practicable.4.6 The Company may at any time, in its sole discretion and without advance notice to you, cease operation of the Website.5. ACCURACY OF WEBSITE CONTENTWe endeavour to provide accurate data and information on the Website. You agree that you must evaluate, and bear all risks associated with, the use of any of the Content on the Website, including, without limitation, any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you have not and, to the maximum extent permitted by applicable law, may not rely on any Content created by us.6. USAGE RESTRICTIONS6.1 The Company is not responsible for any damages resulting from your use of the Website. You shall not use the Website for any of the following purposes:(i) disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material;(ii) transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise breaches any relevant laws, regulations or code of practice;(iii) gaining unauthorized access to other computer/network systems;(iv) interfering with any other person’s use or enjoyment of the Website;(v) breaching any applicable laws;(vi) interfering or disrupting networks or websites connected to the Website;(vii) making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner;(viii) harming minors in any way;(ix) infringing any patent, trademark, copyright or other proprietary rights;(x) violating any law for the time being in force;(xi) deceiving or misleading the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;(xii) impersonating another person;(xiii) deploying software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource including the Website; and/or(xiv) threatening the unity, integrity, defence, security or sovereignty of any country, friendly relations with foreign states, or public order or cause incitement to the commission of any cognisable offence or prevent investigation of any offence.6.2 You shall not host, display, upload, modify, publish, transmit, store, update or share any Content or information on the Website that:(i) belongs to another person and to which you do not have any right to access;(ii) is harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, racially or ethnically objectionable, disparaging;(iii) is harmful, threatening, abusive, harassing, alarming, distressing, tortuous, defamatory, vulgar, obscene, libelous or hateful to any person or groups of people, including minors;(iv) infringes any patent, trademark, copyright or other proprietary rights;(v) violates any law for the time being in force, including any laws and regulations against money-laundering, terrorism-financing or gambling, or is otherwise inconsistent with or contrary to any applicable local, state, national or international law, rule, code, directive, guideline, policy or regulation;(vi) deceives or misleads any other person or communicate any information which is patently false or misleading in nature but may reasonably be perceived as a fact;(vii) impersonates another person;(viii) threatens the unity, integrity, defence, security or sovereignty of any country, friendly relations with foreign states, or public order, or cause incitement to the commission of any cognisable offence or prevent investigation of any offence;(ix) contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; and/or(x) is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person.6.3 You are also prohibited from:(i) violating or attempting to violate the integrity or security of the Website or its contents;(ii) transmitting any information (including job posts, messages and hyperlinks) on or through the Website that is disruptive or competitive to the provision of services by us;(iii) intentionally submitting on the Website any incomplete, false or inaccurate information, or otherwise use the Website and/or Services or upload Content in a manner that is fraudulent, unconscionable, false, misleading or deceptive;(iv) making any unsolicited communications to other users of the Website;(v) using any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Website;(vi) harvest or collect any information about or regarding other users of the Website, including any personal data or information;(vii) attempting to decipher, decompile, disassemble or reverse engineer any part of the Website;(viii) copying or duplicating in any manner any Content or other information available from the Website;(ix) framing or hotlinking or deep linking any Content; and/or(x) taking any action that could directly or indirectly damage, disable, overburden, or impair the Website or the servers or networks connected to the Website.7. INDEMNITYYou agree to release, defend, indemnify and hold harmless the Company and its respective employees, directors, officers, agents and their successors and assigns from and against any and all claims, liabilities, damages, losses, costs and expenses, including attorney's fees, caused by or arising out of claims based upon your actions or inactions in connection with this Terms of Use, which may result in any loss or liability to the Company or any third-party, including but not limited to breach of any warranties, representations or undertakings or in relation to the non-fulfilment of any of your obligations under this Terms of Use or arising out of your violation of any applicable laws and regulations in connection with this Terms of Use.8. PRIVACYThe Company believes strongly in protecting the privacy of the users of the Website and providing you with the information regarding the Company’s privacy practices. Please refer to our Privacy Policy that is accessible at the Website.9. COMMUNICATIONYou consent to receive communications (including transactional, promotional and/or commercial messages) from us periodically and as and when required regarding the Website, our Services, sales promotions, our newsletters, SMS updates, and anything relating to other companies in our group or our business partners. We will communicate with you by email or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you would prefer not to receive any of this additional information as detailed in this paragraph (or any part of it) you may either (i) click the “unsubscribe” link in any email that we send to you or (ii) send an email to [email protected] with the header “Unsubscribe”. Within fifteen (15) business days of receipt of your instruction, we will cease to send you information as requested. In case of any further queries, please email us at [email protected].10. OWNERSHIP OF INTELLECTUAL PROPERTY, COPYRIGHT AND TRADEMARK10.1 The intellectual property in and to the Website, Services and the Content are owned, licensed to or controlled by us, our licensors, or our service providers. We reserve the right to enforce our rights over these intellectual property to the fullest extent of the law.10.2 Any use of the Services and Content by you, including copying or storing in whole or part is strictly prohibited without the explicit permission of the Company. Access to the Website or the Services does not authorize anyone to use the Content in any manner whatsoever; except that you may download or copy the Content and other downloadable materials displayed on the Website only for your personal non-commercial use. No right, title or interest in any downloaded Content is transferred to you as a result of any such downloading or copying. Save as otherwise provide in aforesaid paragraph, you shall not modify, publish, transmit, transfer, update, share, distribute, display, reproduce, create derivative works from, repost or participate in any sale of or exploit in any way, in whole or in part, any of the Content, the Website and/or the Services.10.3 Access to this Website does not confer and shall not be considered as conferring upon anyone any license to use any of our or any third-party’s Intellectual Property. All rights, including rights to all Intellectual Property displayed on the Website and the Content therein are owned by or licensed to us and where applicable, third-party proprietors identified on the Website. All software used on the Website is the property of the Company or its licensors. All Content and software are protected by relevant international intellectual property laws. The compilation (meaning the collection, arrangement and assembly) of Content on this Website is the exclusive property of the Company or its licensors, and is also protected by the relevant international intellectual property laws.10.4 References on this Website to any names, marks, or services of third-parties or hypertext links to third-party websites or information are provided solely as a convenience to you and do not in any way constitute or imply: (i) any affiliation with us; or (ii) our endorsement, sponsorship or recommendation of the third-party, information, or service. These other third-party websites are not under the control of the Company and we are neither responsible for the content of such websites nor do we make any representations regarding the content or accuracy of material on such websites. You therefore access them at your own risk.

10.5 The Company is not responsible or liable for the information or the content or any damage or loss that may result from your access to or reliance on such information or Content on the Website.10.6 Other than personally identifiable information, which is subject to our Privacy Policy, all reviews, comments, feedback, postcards, suggestions, ideas and other submissions disclosed, submitted to us by you on or by this Website or otherwise disclosed, submitted or transmitted in connection with your use of this Website shall vest in us as our property.11. DISCLAIMERS11.1 The Website, and all Content and Services included on or otherwise made available to you through the Website, are provided “as is” and without any warranties, claims or representations by us of any kind either express or implied including, without limitation, warranties of quality, performance, non-infringement of intellectual property, merchantability, or fitness for a particular purpose, nor are there any warranties created by course of dealing, course of performance or trade usage. You hereby agree to bear the risks associated with the use of the Website and any Content.11.2 Without limiting the generality of the foregoing and to the maximum extent permitted by applicable law, the Company makes no representation or warranty, express or implied:(i) that the Services, the Website, the Content or the functions contained therein will be available, accessible, uninterrupted, timely, secure, accurate, complete or error-free;(ii) that defects, if any, will be corrected, or that the Website and/or the server that makes the same available are free of viruses or any other harmful codes, instructions, programs or components;(iii) that links to third-party websites are to information that is accurate, reliable, complete or timely;(iv) no advice or information, whether oral or written, obtained by you from this Website will create any warranty not expressly stated herein; and(v) regarding any of the Services offered through the Website.11.3 The Company shall have the right, at any time, to change or discontinue any aspect or feature of the Website. Further, the Website may discontinue disseminating any portion of information or category of information. The Company does not accept any responsibility and will not be liable for any loss or damage whatsoever arising out of or in connection with any inability to access or to use the Website.12. WEBSITE SECURITY12.1 You are prohibited from violating or attempting to violate the security of the Website, or use any device, software or routine to interfere or attempt to interfere with the proper working of this Website or any activity being conducted on this Website. Violations of system or network security may result in civil or criminal liability.12.2 We have in place appropriate technical and security measures to prevent unauthorised or unlawful access to or accidental loss of or destruction or damage to your information. However, Company shall not be responsible or liable for any loss or damage due to any disclosure whatsoever of personal information while using the third-party gateways and or the Website. Further, the Company shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any personal information and/or information relating to or regarding online transactions using credit cards/debit cards/cash cards/net banking and/or their verification process and particulars nor for any error, omission or inaccuracy with respect to any information so disclosed and used.12.3 Whilst the Company makes every effort to protect the security of communications made through the Website, you shall be solely responsible for managing and maintaining the security of all aspects required to access or use the Website.12.4 You shall notify the Company in writing within 24 hours from the time you become aware of any unauthorised use of the Website, or other suspected security breaches in connection with the Website.12.5 If the Company has reason to believe that there is a breach of security, or where the Website is used for illegal, fraudulent or unauthorised purposes, or where there is any suspicious activity on the Website, the Company reserves the right to suspend, restrict or terminate any user’s use of the Website.

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Privacy Policy

PRIVACY POLICYWelcome to pinnacleoakinvestments.com, an online website (including its mobile version) (the “Website”), which is operated by Pinnacle Oak Investments Pte. Ltd. (UEN 202519603M) (hereinafter referred to as “Company”, “we”, “our” or “us”).We take our responsibilities under applicable privacy laws and regulations seriously, and we are committed to respecting the privacy rights and concerns of all users of our Website (the Website and the services we provide are collectively termed the "Services"). “User” refers to a user who visits the Website and/or uses our Services.This Privacy Policy (“Privacy Policy”) is designed to assist you in understanding how we collect, use, disclose and/or process the Personal Data you have provided to us and/or we possess about you, whether now or in the future, as well as to assist you in making an informed decision before providing us with any of your Personal Data."Personal Data" means data, whether true or not, about an individual who can be identified from that data, or from that data and other information to which an organisation has or is likely to have access. Common examples of Personal Data could include name, identification number and contact information. This Privacy Policy applies to all Personal Data collected by the Company, operating in the capacity of a data principal or a data intermediary, from all visitors to the Website; or (b) users of the Services (collectively, “Users”, “you” or “your”).By using the Services or visiting our Website, you acknowledge and agree that you have read, understood and agree to be bound by this Privacy Policy and you hereby consent to us collecting, using, disclosing and/or processing your Personal Data as described herein.If you do not consent to the processing of your Personal Data as described in this Privacy Policy, please do not use our Services or continue accessing our Website. Your continued use of the Website and/or Services shall be deemed to be your unconditional acceptance and acknowledgment of, and consent to be bound by, this Privacy Policy.We reserve the right to amend this Privacy Policy at any time. To the fullest extent permissible under applicable law, your continued use of the Services or the Website shall constitute your acknowledgment and acceptance of any such changes made to this Privacy Policy.1. DEFINITIONS AND INTERPRETATION1.1 In this Privacy Policy, unless otherwise defined or where the context otherwise requires, the following definitions shall apply:“process”, “processes” or “processing” : means any operation or set of operations which is performed on Personal Data, whether or not by automated means, such as collection, recording, holding, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction; and“Terms & Conditions” : means the terms and conditions for the use of the Website which can be accessed via a link on the Website, as from time to time amended, varied and/or supplemented.2. PURPOSE2.1 In the course of operating the Website and providing the Services to you, the Company will obtain Personal Data about you. This Privacy Policy informs you of how the Company processes, manages and safeguards such Personal Data. For avoidance of doubt, this Privacy Policy does not apply to anonymised data, or information which cannot be used to identify any individual person.2.2 This Privacy Policy supplements but does not supersede nor replace any consent that you may have otherwise provided to the Company in respect of your Personal Data. Your consents herein are additional to any rights which the Company may have at law to collect, use or disclose your Personal Data.2.3 In case of conflict between any terms in this Privacy Policy and the Terms & Conditions, the Terms & Conditions shall prevail.3. PERSONAL DATA COLLECTED3.1 We collect Personal Data that you voluntarily submit to us or which is obtained directly from you, including through telephone calls, face-to-face meetings, or other forms of correspondence whether in physical, written, electronic or other form, permanent or otherwise. You may be asked at any time during the engagement of the Services and/or use of the Website to provide Personal Data for the purposes in this Privacy Policy. By providing the same, you consent to for us to process such Personal Data. If you do not consent for us to collect or process your Personal Data, you may opt out at any time by notifying our Data Protection Officer[a] in writing. Further information on opting out can be found in the paragraph below entitled “Rights in relation to Personal Data”. Note, however, that opting out or withdrawing your consent for us to collect, use or process your Personal Data may affect your use of the Services and the Website.3.2 We may collect Personal Data about you from you, our affiliates, third-parties, and from other sources, including without limitation our business partners (such as logistics or payment service providers), credit bureaus or scoring agencies, marketing service providers or partners, referral or loyalty programs, third-party websites, social media services, other users of our Services or publicly available or governmental sources of data.3.3 In some situations, you may provide Personal Data of other individuals to us. If you provide us with such Personal Data, you represent and warrant that you have obtained their consent for their Personal Data to be processed in accordance with this Privacy Policy.3.4 You warrant that all Personal Data submitted to the Company, whether via the Website or otherwise, is true, accurate, reliable, valid, complete and is not misleading does not violate any applicable law, by omission or otherwise. In the event of any change to such Personal Data provided to the Company, you should notify the Company immediately via the email in paragraph 13 below.3.5 Our collection of Personal Data is made pursuant to legitimate interests of the Company and for the purposes of complying with applicable law, in particular relating to money laundering and fraud prevention. As such, if need be, the Company may request other documents to verify any information provided by you.4. OTHER DATA COLLECTED4.1 As with most websites and mobile applications, your device sends information which may include data about you that gets logged by a web server when you browse our Website. This typically includes your device’s Internet Protocol (IP) address (“IP Address”), computer/mobile device operating system and browser type, type of computer/mobile device, the characteristics of the computer/mobile device, the unique device identifier (UDID) or mobile equipment identifier (MEID) for your computer/mobile device, the address of a referring web site (if any), the pages you visit on our Website and the times of visit, and sometimes a "cookie" (which can be disabled using your browser preferences) to help the site remember your last visit. The information is also included in anonymous statistics to allow us to understand how visitors use our Website.4.2 Our Website may collect precise information about your location using technologies such as GPS, Wi-Fi, cookies etc. We collect, use, disclose and/or process this information for purposes including location-based services that you request or to deliver relevant content to you based on your location or to allow you to share your location to other Users as part of the services under our Website. For most mobile devices, you are able to withdraw your permission for us to acquire this information on your location through your device settings. If you have questions about how to disable your mobile device's location services, please contact your mobile device service provider or the device manufacturer.4.3 We or our authorized service providers and advertising partners may from time-to-time use "cookies" or other features to allow us or third-parties to collect or share information in connection with your use of our Services or Website. These features help us monitor and improve our Website and our Services, offer new services and features, and/or enable us and our advertising partners to serve more relevant content to you, including through remarketing. “Cookies” are identifiers that are stored on your computer or mobile device that record data about computer or device, how and when the Services or Website are used or visited, by how many people and other activity within our Website. We may link cookie information to Personal Data. As and when you view pages on our Website, access other software on our Website or the Services, some information may be sent to us such as the IP Address, operating system, the content or advertisement viewed and/or software installed by the Services and the Website and time.4.4 You may refuse the use of cookies by selecting the appropriate settings on your browser or device. However, please note that if you do this you may not be able to use the full functionality of our Website or the Services.5. PROCESSING AND DISCLOSURE OF PERSONAL DATA5.1 Your Personal Data is processed only for specific purposes, and the processing is limited to what is necessary in relation to these purposes. We may process or disclose your Personal Data for the following purposes:5.1.1 to provide the Services to you;5.1.2 to process the information provided by you for the purpose of providing the Services to you, including the verification of your Personal Data;5.1.3 to manage and maintain your records with us during the provision of the Services to you, including facilitating any transactions with you;5.1.4 to carry out the Company’s obligations and duties under the Terms & Conditions, including to prevent or investigate any actual or suspected violations of our Terms & Conditions, any applicable agreements, or any negligence, misconduct, fraudulent or unlawful acts or omissions whether relating to your use of our Services or any other matter arising from your relationship with us;5.1.5 to communicate with you including responding to your requests, enquiries and/or complaints, and resolving disputes;5.1.6 for identification, verification, due diligence, or know-your-customer purposes;5.1.7 to perform assessments and analysis for purposes of improving our Services and the customer experience;5.1.8 for marketing and advertising, and in this regard, to send you by various mediums and modes of communication marketing and promotional information and materials relating to the Services that we may be providing, marketing or promoting;5.1.9 to meet the Company’s legal, regulatory and contractual obligations under any applicable law, such as anti-money laundering, counter-terrorist financing, anti-tax evasion and prevention of fraud regulations, automatic exchange of information, including disclosures to regulators, tax authorities, and other governmental or judicial authorities;5.1.10 for the Company’s prudential and operational management (including risk management, audit, compliance, outsourcing of services, business and financial decision-making);5.1.11 to collect any debt due or owing and to enforce your obligations to the Company;5.1.12 to ensure or enhance network and information security;5.1.13 to respond to any threatened or actual claims asserted against the Company or other claim that any content violates the rights of third-parties;5.1.14 to store, host, back up (whether for disaster recovery or otherwise) of your Personal Data, whether within or outside of your jurisdiction;5.1.15 to manage credit provided to you (where applicable);5.1.16 to arrange for the payment of third party services on behalf of you (where applicable); and/or5.1.17 for any other purpose which the Company may notify you of from time to time,(collectively, the “Purposes”).5.2 For the avoidance of doubt, any unsolicited information or materials (even if they may be Personal Data) sent to the Company whether via the Website or other communication channels, regardless of whether the Company is the intended recipient, will not be considered confidential or proprietary.5.3 In conducting our business, we may need to use, process, disclose and/or transfer your Personal Data to our third-party service providers, agents and/or our affiliates or related corporations, and/or other third-parties, for one or more of the Purposes. Such third-party service providers, agents and/or affiliates or related corporations and/or other third-parties would be processing your Personal Data either on our behalf or otherwise, for one or more of the Purposes. We endeavour to ensure that the third-parties and our affiliates keep your Personal Data secure from unauthorised access, collection, use, disclosure, processing or similar risks and retain your Personal Data only for as long as your Personal Data is needed for the Purposes. Such third-parties include, without limitation:5.3.1 our subsidiaries, affiliates and related corporations;5.3.2 service providers under contract with us who help with the Company’s business operations and the provision of the Services;5.3.3 third-parties to whom disclosure by us is for one or more of the Purposes and such third-parties would in turn be collecting and processing your Personal Data for one or more of the Purposes;5.3.4 a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company’s assets, whether as a going-concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Data held by the Company about our Users is among the assets transferred, or to a counterparty in a business asset transaction that the Company or any of its affiliates or related corporations is involved in; and/or5.3.5 governmental, regulatory or judicial authorities, or any person connected to the exercise, enforcement or preservation of the Company’s legal and contractual rights.5.4 We will destroy or anonymize your Personal Data when we have reasonably determined that (i) the purpose for which that Personal Data was collected is no longer being served by the retention of such Personal Data; or (ii) retention is no longer necessary for any legal or business purposes; or (iii) no other legitimate interests warrant further retention of such Personal Data.6. RIGHTS IN RELATION TO PERSONAL DATA6.1 Rights of access, correction and deletion6.1.1 You are entitled to review, correct, amend or delete any part of your Personal Data provided to the Company which is inaccurate, incomplete, misleading or not up-to-date. You may do this at any time by contacting us via the email provided in paragraph 13 below for data that is not available for change on the Website, and we will correct or update the data as soon as practicable.6.1.2 You have a right to request for a copy of your Personal Data provided to the Company. This information will be provided without undue delay subject to a reasonable fee (as permitted by applicable law), unless such provision adversely affects the rights and freedoms of others. If we so choose to charge, we will provide you with a written estimate of the fee we will be charging. Please note that we are not required to respond to or deal with your access request unless you have agreed to pay the fee.6.1.3 When handling data access, correction, restriction, deletion, or portability requests, the Company shall be entitled to check the identity of the requesting party to ensure that he is the person entitled to make such request. We may also refuse such request in accordance with applicable laws.

6.2 Right to restrict, object, or withdraw consent6.2.1 You have the right to restrict, object to, or withdraw your consent for, the processing of your Personal Data by the Company at any time by writing to us.6.2.2 Any such restrictions, objections or withdrawal will not affect the lawfulness of the Company’s processing of your Personal Data based on consent obtained before the restriction, objection or withdrawal. This shall also not affect the lawfulness of the Company’s continued processing of your Personal Data if it is necessary and/or permitted under applicable law.6.2.3 Upon receipt of such a request, the Company reserves the right to take necessary actions, including to cease or limit the provision of Services and/or access to the Website to you, and to terminate any agreements you may have with us. The Company’s legal rights and remedies are expressly reserved in such event.6.3 Right to erasure6.3.1 You have the right to request erasure of your Personal Data subject to limitations by applicable law relevant to data protection.6.3.2 For the avoidance of doubt, you shall not have such right to request erasure if the deletion of such data may result in loss of data integrity and auditable records, and therefore be necessary for the Company to comply with applicable law or for the establishment, exercise or defence of legal claims. You expressly acknowledge and agree to the non-erasure of your Personal Data in such circumstances.6.3.3 Upon receipt and approval of such a request, the Company shall insofar as the data is stored in electronic form, take steps to ensure that it is securely deleted, erased or destroyed. The Company shall require a reasonable amount of time to process and effect any erasure of data. Depending on the nature of your request, the Company reserves the right to take necessary actions, including to cease or limit the provision of Services and/or access to the Website to you, and to terminate any agreements you may have with us. The Company’s legal rights and remedies are expressly reserved in such event. However, the Company can continue to process your Personal Data if it is necessary and/or permitted under applicable law.6.4 Right to data portabilityYou may elect to receive copies of your Personal Data in a structured, commonly used and machine-readable format, and to have the Company transfer your Personal Data directly to another party, where technically feasible, unless exercise of this right adversely affects the rights and freedoms of others (e.g. where providing the Personal Data we hold about you would reveal information about another person). We are not responsible for the security of the Personal Data or the processing of the same once received by a third-party.6.5 Right to lodge a complaint6.5.1 If you believe that your rights have been infringed in any way, we encourage you to first contact the Company via the email in paragraph 13 so that we can try to resolve the issue or dispute amicably.6.5.2 Subject to paragraphs 7.2 and 7.3 below, you may also complain about the Company's processing of your Personal Data to the relevant governmental agency.7. COMPLAINTS UNDER THE EUROPEAN GENERAL DATA PROTECTION REGULATIONS AS APPLICABLE TO PERSONAL DATA OF EU PERSONS7.1 As the Company serves customers globally, we may collect Personal Data from individuals and institutions located within the European Economic Area, and the Company is responsible for ensuring that it uses such Personal Data in accordance with the General Data Protection Regulation (“GDPR”).7.2 Where the GDPR applies to you, by accessing the Website and/or the Services, or sending us any Personal Data, you hereby acknowledge and agree not to make any complaint to any governmental agency unless you have first brought the complaint to the Company’s attention and followed the process in paragraph 7.3 below.7.3 For any issues which you may have with the Company with regard to your Personal Data, you agree to the following process:7.3.1 You shall inform the Company of your issue or complaint in writing via the email given at the end of this Privacy Policy or on the Website. Your email shall set out in sufficient clarity and detail your issue or complaint.7.3.2 The Company shall use reasonable endeavours to work with you to resolve the issues or complaints raised in your email within ninety (90) days. You agree to co-operate fully with the Company, which shall include providing the Company with any requested information or documents in a timely manner.7.3.3 If parties fail to resolve the said issues or complaints within ninety (90) days, you shall then have the right to settle any disputes in accordance with these Terms & Conditions.8. INTERNATIONAL TRANSFERS OF PERSONAL DATAYour Personal Data may be transferred to, stored or processed outside Singapore for one or more of the Purposes. We will only transfer your Personal Data overseas in accordance with applicable laws.9. SECURITY9.1 The Company has implemented technical and organisational security measures to ensure the confidentiality, integrity and accountability of all Personal Data collected and to protect it from unauthorised access and disclosure, loss, misuse, alteration or destruction. However, we cannot guarantee the security of any Personal Data collected from or about you.9.2 Where your consent has been obtained, or where the Company is obliged to pass on Personal Data to third-parties to provide you with a requested service or in the carrying out of our obligations under applicable law, the Company will request that the same levels of technical and organisational security measures be applied, where possible. However, the Company is not responsible for any security breach on the part of such third-party service providers.9.3 In the event of a security breach or the failure of the measures of protection of such Personal Data in our systems or that of any engaged third-party service providers, the Company will notify you in accordance with this Privacy Policy and/or the Personal Data Protection Act 2012.9.4 You acknowledge that you play a vital role in protecting your own Personal Data. The Company cannot guarantee or warrant the security or confidentiality of information you transmit to us or received from us by internet or wireless connection (including email, phone, or SMS). If you have reason to believe that your Personal Data is no longer secure, you should notify the Company immediately via the email in paragraph 13 below.9.5 You are responsible for your own security when dealing with third-parties, including third-parties who may make themselves out to be the Company or related to the Company. If you discover any fraud, phishing, or scam which impersonates the Company, you should notify the Company immediately via the email in paragraph 13 below.10. MARKETING10.1 You consent to the use of your Personal Data to be processed for direct marketing by the Company.10.2 With such consent, the Company may send information from time to time to you including promotions for the Company’s products or Services, events that the Company is hosting or participating in, or product updates and features.10.3 You have the right at any time to revoke and object to such use of your Personal Data for the use of direct marketing by contacting the Company via the email stated below.11. CREDIT REPORTING11.1 By using the Services, where credit terms may be provided, you agree that the Company may obtain from a credit-reporting agency a credit report which may contain personal credit information about you in relation to credit that we may provide.11.2 The Personal Data may also be used by us to notify other credit providers of a default by you, to exchange information with other credit providers as to the status of this credit account and to assess your credit worthiness.11.3 You consent to us being given a consumer credit report to collect overdue payment on commercial credit.12. CHANGES TO THIS PRIVACY POLICY12.1 This Privacy Policy may be supplemented, varied or amended from time to time at the Company’s discretion by publishing the revised Privacy Policy on the Website. Such revised Privacy Policy shall be effective immediately and shall apply and bind parties from the date of its publication on the Website. You should therefore carefully read the Privacy Policy each time you visit the Website so that you are apprised of such changes.12.2 If you do not agree to any terms of the revised Privacy Policy, you should not continue to visit, access, or use the Website, or any Services. For the avoidance of doubt, your continued use of the Website and/or Services shall be deemed to be your unconditional acceptance and acknowledgment of, and consent to be bound by, the prevailing terms of this Privacy Policy.13. CONTACTING THE COMPANYIf you have any questions or complaints about or relating to the Personal Data collected by the Company or wishes to contact the Company under the terms of this Privacy Policy, you may contact us using the “Contact” details on the Website or at [email protected].14. CONSENT AND ACKNOWLEDGEMENT14.1 By visiting, accessing or using the Website or any Services, you warrant and represent that you have the legal capacity to consent to, and agree to be bound by, this Privacy Policy in its entirety, and that any information or documents provided by you shall be true and accurate to the best of your knowledge.14.2 By providing us with your Personal Data, you hereby consent to the processing of your Personal Data in accordance with this Privacy Policy. You warrant and represent that you have the right or have otherwise obtained the necessary authorisation to provide the information provided to us. You acknowledge that it may an offence under the applicable laws to request access to or change another person's information without being authorised by that person.

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Terms & Conditions

GENERAL TERMS AND CONDITIONS1. CONDITIONS OF SALE AND PRIORITY OF DOCUMENTS1.1. These Conditions apply to all Services provided by Pinnacle Oak Investments Pte. Ltd. (“Consultant”, “we”, “us”, “our”) to the Client (“you” or “your”) and are incorporated herein by reference into any Contract. You are deemed to have read and accepted these Conditions when accepting a Proposal or Quotation in accordance with Clause 2.1.2. In the event of any conflict between these Conditions and any Proposal or Quotation, the Quotation shall prevail. Any varying terms in any Proposal or otherwise proposed in any other document which describes our offering shall not become part of the Contract unless agreed to in writing by us.1.3. We may vary these Conditions from time to time, and any such variations shall take effect from the earlier of the date of publication on our website or when notified to you.1.4. These Conditions must be read in conjunction with our website Terms of Use and our Privacy Policy.2. QUOTATIONS AND ACCEPTANCE OF CONTRACT2.1. We will supply the Services on the basis of the Quotation. The Quotation will also outline any exclusions from the Services. You are responsible for ensuring the accuracy of the terms of the Quotation (including any special specifications or conditions) before accepting. We shall not be responsible for any errors or omissions resulting wholly or partially from incomplete or unclear instructions or information provided by you.2.2. Subject to Clause 4.3, all Quotations are valid for thirty (30) days from the date of Quotation.2.3. You are deemed to have accepted the Quotation provided by us and the terms of the Contract by:(a) acceptance by e-signing through DocuSign and/or PandaDoc;(b) signing and returning the acceptance contained in the Quotation;(c) making any payment or part-payment to us for the Services;(d) instructing us verbally to commence or continue providing the Services;(e) providing a written acceptance, whether by post, email correspondence, fax, or other means, stating that you accept the Quotation or instructing us to commence providing the Services; or(f) paying any invoices for payment issued by us calculated in accordance with the terms of the Contract.2.4. Changes to a Quotation or the Contract will require a written Change Order signed by all parties prior to implementation of changes. Such changes may include changes to the scope of work and corresponding changes to the estimated fees and schedule. We reserve the right to charge for costs incurred resulting from you varying your instructions, the Quotation or the Contract, or for correcting any errors or omissions resulting wholly or partially from incomplete or unclear instructions or information provided by you, or for having to perform the Services urgently.2.5. Any timeframes for provision of the Services made known to you shall be estimates only, and we shall not be liable for any Losses or delay occasioned to you or your clients arising from late or non-timeous provision of the Services.2.6. You may cancel an accepted Quotation for Services if we are unable to deliver the Services within 90 days of any specified timeframe for the provision of Services.2.7. Late or non-timeous provision of the Services does not vary these Conditions or relieve you from your obligations to pay for the Services.3. PRICING AND PAYMENT TERMS3.1. We shall provide and/or perform the Services set forth in each Quotation at the rates and fees specified therein. The Quotation will also specify the proposed payment terms.3.2. Unless otherwise stated in the Quotation, invoiced fees are due within thirty (30) days from the invoice date.3.3. Invoices shall specify sufficient information to identify the Quotation and/or Services provided.3.4. You are responsible for providing complete and accurate billing and contact information to us and shall notify us of any changes to such information.3.5. Except as otherwise specified herein, payment obligations are non-cancellable and fees paid are non-refundable.3.6. We reserve the right to charge a reasonable administration fee for issuing any duplicate invoices, statements, or other documents requested by you, where such document has previously been provided by us.3.7. Taxes. Unless otherwise stated, all charges are exclusive of, and you shall pay us, any goods and services tax (“GST”) properly chargeable on the Services, where applicable. You shall make all payments to us without deducting any taxes. All amounts agreed are net of any taxes.3.8. Incidental Expenses. You will reimburse us for any Disbursements incurred in connection with the provision and/or performance of any Services, unless otherwise agreed in writing. If an estimate of such Disbursements is provided in the applicable Quotation, we will not exceed such estimate without your written consent. We may require Disbursements to be paid for in part or in full before we incur them. We may, from time to time, require you to provide your credit card details to be entered online to the relevant supplier of services to facilitate recurring advertisement spend, like Google Ads, for the ongoing payment of their third-party fees. Where credit card details are provided to us, we shall ensure that such details are used only for the stated purpose, and once these credit card details have been entered online, such credit card details will not be retained by us. You shall ensure that the credit card always has funds available for the payment of the said fees, and if the credit card is declined for any reason whatsoever, you shall provide new credit card details within 48 hours of being informed. By providing your credit card details, you irrevocably authorise us to provide such information to the third-party suppliers for the purpose of the Contract, and shall indemnify and release Pinnacle Oak in respect of any claim or liability that arises from any fraud or misuse of the credit card details that occurs through no fault of Pinnacle Oak. You shall indemnify us against all Losses incurred as a result of any failure by you to reimburse us for Disbursements. We shall not be liable for any price amendment of any third-party, and where the pricing is amended, it is your obligation to pay the new pricing.3.9. Overdue Charges. If any invoiced amount is not received by us by the due date, we may:(a) suspend the provision and/or performance of all or part of the Services;(b) terminate the Contract;(c) deem all unpaid fees for the remainder of any term immediately due and payable;(d) apply any monies received from you in relation to the Contract or any other contracts between the parties, including deposits or security payments, towards the payment of the overdue charges;(e) charge interest on the amount unpaid on a daily basis at the rate of 2% per month, from the due date until payment in full is made, payable on demand; and/or(f) charge you for costs of collection of overdue fees, including reasonable attorneys’ fees, and payable on demand.Payment will not be taken to occur until all cheques tendered or electronic funds transfer in discharge of amounts owing to us have been presented or received and cleared in full.4. CLIENT OBLIGATIONS4.1. The Client shall provide Pinnacle Oak with any and all information, material, and access that is reasonably requested in the timeframe and manner specified by us, and shall cooperate reasonably and in good faith with us in the provision of any Services.4.2. The Client warrants that such material or information provided (“Client Data”) is true and correct and that it does not violate any laws or infringe the rights of any third-party. The Client shall also be responsible for its use of such Client Data with the Services, and the interoperation of any Third-Party Program with which the Client uses the Services or Content (notwithstanding, Pinnacle Oak shall not be responsible for any disclosure, modification or deletion of Client Data resulting from access by any Third-Party Program or its provider).4.3. If the Client fails to provide the necessary Client Data or access within the timeframe specified, we may charge the Client additional costs as a result of this delay.4.4. The Client warrants that it owns or is licensed all Intellectual Property Rights in the Client Data and indemnifies the Consultant against any claim that may be made if the Client is in breach of this clause. The Client warrants that the Client Data is compliant with Clause 8 of these Conditions.4.5. The Client shall use any Content (or Consultant Pre-Existing IP) only in accordance with the Contract and applicable law.4.6. The Client shall comply with terms of service of any Third-Party Program with which the Client uses the Services or Content.4.7. The Client shall use commercially reasonable efforts to prevent unauthorized access to or use of the Services and Content (or any Consultant Pre-Existing IP), and notify us promptly of any such unauthorized access or use.5. PROVISION OF SERVICES5.1. Due Care and SkillWe will exercise all due care and skill in performing the Services but makes no warranty that the delivery of the Services will:(a) result in a website being highly ranked organically or its Google Ads being the first that appear;(b) result in an increase in the traffic to the website or business (and profits of the business);(c) result in an increase in the exposure of the brand of the Client;(d) increase the social media following of the Client;(e) boost the public profile of the Client;(f) result in the removal of any online reviews on third-party platforms; or(g) result in the Client obtaining any other desired outcome.5.2. Websites(a) You acknowledge and agree that all services provided in relation to the creation or provision of a Website for you (“Website”) is on an “as is” and “as available” basis and are subject to technical, operational and third‑party dependencies beyond our control.(b) To the maximum extent permitted by law, we shall not be liable for any Losses arising from or in connection with: (i) the operation, performance, availability, security or functionality of any website or any third‑party systems, software or services integrated with or used in connection with the Website; (ii) the compatibility of the Website with all devices, browsers or operating systems, or the continued availability, functionality or interoperability of any third‑party integrations, plug‑ins, applications or software (“Third‑Party Programs”) installed; (iii) any interruption, suspension, malfunction or failure of the Website or any Third‑Party Program, including where such failure arises from updates, changes, discontinuation or actions taken by third‑party providers (wherein we may cease using these Third-Party Programs without entitling you to any refund, credit, or other compensation); (iv) any loss of data, content or functionality occurring during or after Website migration, transfer, amendment, upgrade or handover, whether requested by you or otherwise; (v) any cyber‑security incident, hacking event, unauthorised access or malicious activity affecting the Website, including any resulting business interruption or loss, whether or not insurance is obtained by you; (vi) any failure, downtime or loss arising from domain registration, renewal, hosting services or server‑side issues; (vii) any errors, failures or defects occurring after control of the Website has been handed over to you, including where such issues arise from your operation, maintenance, modification or use of the Website; or (viii) any claims brought by endusers or third-parties arising from your use of the Website or Content, or handling of enduser information.(c) You acknowledge and agree that the use of these Third-Party Programs is subject to additional terms of service for each Third-Party Program and that you shall use such Third-Party Programs in accordance with such terms. The providers of such Third-Party Programs do not have any obligation or liability to you for the use of such Third-Party Programs in any of our Services.(d) You acknowledge that elements of the Website and any Third‑Party Programs may be automatically updated from time to time, and you agree to receive and accept such updates without any obligation on us to ensure backward compatibility or uninterrupted functionality.(e) We recommend that you include on the Website a privacy policy and terms of use. For the avoidance of doubt, these policies are not provided by us as part of the Services but we can add them into the Website if they are provided by you.(f) If you have an existing website and you ask us, as part of the Services, to make amendments or upgrades to that website, then we do not guarantee that the amendments or upgrades made will work and we will not be liable for any failure of that website.(g) If you instruct us to transfer the contents of an old website to a new one, or otherwise to transfer your website in any manner, then the transfer of this website will be at your own sole and absolute risk, and if any data is lost through this process, we shall not be liable for any Losses that may be suffered as a result of such data loss.(h) You give us permission to access and use your information to third-party services that are to be included on the Website and to store any login credentials for that service.(i) We do not have any relationship with end-users of your Website (“End Users”), therefore, we are not responsible for how you handle the information of the End Users. You remain responsible to notify End Users, and to the relevant authorities if required, of any security breach.(j) You shall not reverse engineer the Website or any software used by us to produce the Website.(k) The number of revisions of the Website will be outlined in the Proposal and/or Quotation. If further revisions or amendments are to be made to the Website in excess of the number agreed, then such revisions will be charged at our hourly rate, which will be advised to you in writing before we proceed to work on such revisions.(l) If, during the build of the Website, a critical error occurs through no fault of Pinnacle Oak, we shall not be liable for any Losses that may be suffered as a result of such critical error.(m) Once a Website has been created, we will hand over control of the Website to you and from that point in time, we shall no longer be involved in the maintenance, updating, backup, security and operation of the Website. We shall not be liable for any subsequent failure of the Website, or for any error caused by you failing to operate or update the Website correctly. After the handover, the Website will be owned and controlled by you, subject to us retaining the necessary Intellectual Property Rights in the website design in accordance with Clause 8.(n) If you subsequently require any amendments to be made to the Website after the handover, such works will be charged at our hourly rate, which will be advised to you in writing.(o) We can, upon your request, provide ongoing maintenance services in respect of the Website, subject to mutual agreement on the fees.5.3. Paid Advertising Services – Google Ads(a) Whilst we can prepare Google Ads for you, we cannot guarantee the number of clicks any Google Ad will receive.(b) Please note that your Website may affect the performance of Google Ads, its positioning, and conversions.(c) Google Ads will be charged per click, and your credit card will be provided for these charges to be made to as a disbursement in accordance with Clause 3.8.(d) If there is a special offer made by a third-party advertisement engine promoter, we do not guarantee that such offer will be ongoing or continuous, and such promotion will be under the control of the third-party.(e) Any account established for the purpose of these advertisements will be an account set up under our master account for operational efficiency.

(f) When you cancel the Service or at the expiry of the Term, we will pause the account and paid advertisements and remove your credit card details after the last bill is issued for the paid advertisements.(g) We cannot control where a paid advertisement gets reposted.(h) Images used by us in any paid advertisements are to be royalty-free images and will either be stock pictures or pictures that are taken from our website or social media pages. You may also provide such images to us. The terms of Clauses 8.4 and 8.6 will apply to these images.(i) Any Google Ads account will be subject to the terms and conditions of Google.(j) You acknowledge that Google has the ability to refuse advertisements for any reason. In the event of such refusal, you acknowledge and agree that it will remain liable to pay the fees of Google as well as those charged by us. Further, if Google ceases to provide such services or on terms which are deemed acceptable to us, we may cease our Services without entitling you to any refund, credit, or other compensation.(k) We shall not be liable for any Losses arising from advertisement rejection, suspension, reduced performance, increased costs, changes in placement, conversions or visibility.5.4. SEO(a) You acknowledge that SEO involves the implementation of technical, content‑related and strategic measures intended to improve a website’s organic visibility over time, but does not involve control over how search engines index, rank or display content.(b) We may arrange for blogs to be published including links to the Website, and information about your products or services to assist in the process of improving the Website’s SEO. This will result in backlinks being added to the Website, which you are deemed to have approved by instructing us to provide the SEO services. We have no control over what these backlinks and blogs will contain nor can we guarantee that they will continue to stay live.(c) You understand that if the Website is hacked, this will cause its SEO rankings to drop, and we shall not be liable to you in such instance.(d) We cannot control any negative SEO that a competitor may use against you or the Website and we do not guarantee that we can remedy any negative SEO.(e) We own all intellectual property in any SEO works and we shall have no obligation to show you what we do for the purpose of providing such SEO services.(f) When the Term expires or should you cancel the Contract, we will not be responsible for the removal of any SEO or external links created.(g) You hereby acknowledge that the SEO services provided constitute an intangible service, the value of which lies in the performance of efforts and activities rather than the delivery of any tangible or permanent outcome. Accordingly, (i) the SEO services shall be deemed fully performed upon the carrying out of the agreed SEO activities, irrespective of any subsequent change, fluctuation or reversal in search engine rankings, traffic, visibility or performance; (ii) all fees paid or payable in respect of the SEO services are non‑refundable once the relevant services have been performed, notwithstanding that the anticipated or desired results are not achieved or are not sustained; (iii) you acknowledge that you have not relied, and shall not be entitled to rely, on any representation, projection or expectation that any SEO outcome will be achieved, maintained or continue for any period of time; (iv) you accept that any improvement in rankings, visibility or performance is not permanent and may be affected or negated at any time by algorithmic changes, competitive activity or actions of third‑party platforms beyond our control; and (v) the SEO services do not constitute a guarantee of continued search visibility, ranking stability or commercial performance and we shall not be liable for any Losses arising from or in connection with fluctuations in rankings, visibility, traffic, backlinks, indexing status or SEO performance.(h) If there is any amendment by third-parties and their requirements of SEO, we do not guarantee that their SEO practices will mirror ours.5.5. Online Reviews and Reputation Management (including Google Reviews)(a) Where the Services include the monitoring, management, reporting, suppression or attempted removal of online reviews (including reviews published on Google, Google Maps or any other third‑party platform) (“Online Review Management Services”), you acknowledge and agree that:(i) all online review platforms are operated and controlled by independent third-parties, and the publication, removal, reinstatement, visibility, ranking or suppression of any review is solely determined by such third-parties in accordance with their own policies, algorithms and internal processes;(ii) we do not own, operate, control or have any authority over Google or any other online review platform, and we cannot compel or guarantee the removal, suppression, amendment or permanent takedown of any review, whether negative or otherwise; and(iii) any indication, estimate or expectation provided by us as to the likelihood, timing or outcome of the removal or management of any online review is provided on a best‑efforts basis only and shall not constitute a guarantee, warranty or representation of any outcome.(b) The Online Review Management Services are provided on a commercially reasonable and best‑efforts basis only. We make no representation or warranty that:(i) any negative or unfavourable review will be removed, hidden, suppressed, de‑indexed or otherwise rendered inaccessible;(ii) any removed review will not be reinstated by the relevant platform at a later date; or(iii) the Online Review Management Services will result in any particular reputational, commercial, marketing or financial outcome for you,and we shall not be liable for any Losses (including Consequential Losses) arising from the existence, removal, suppression, reinstatement or continued publication of any online review.(c) You acknowledge that online review platforms may, at any time and without notice:(i) amend their content moderation policies, enforcement thresholds or review guidelines;(ii) reinstate reviews previously removed or suppressed; or(iii) suspend, restrict or terminate accounts or features used in connection with the Online Review Management Services,and we shall not be liable for any Losses arising from or in connection with any such actions or changes.(d) You warrant and represent that any instructions given to us in relation to the Online Review Management Services are lawful and do not involve the creation, solicitation, suppression or manipulation of reviews in breach of any applicable law or the terms of service of any review platform and you shall not represent to any third-party that we are able to guarantee or procure the removal of any reviews.5.6. Warranties and Disclaimer(a) Except as specifically set forth herein, we neither make, nor assume any liability under any warranties (whether express, implied, or statutory) on or with respect to any Services or Content, including without limitation, any implied conditions or warranties of merchantability or fitness for a particular purpose.(b) For any breach of a warranty, your exclusive remedy and our entire liability will be the re-performance of the Services. If we are unable to re-perform the Services as warranted, you will be entitled to recover the fees paid to us for the deficient Services. You must make any claim under the foregoing warranty in writing within ninety (90) days of performance of such Services.(c) You acknowledge and agree that certain Services such as those relating to SEO, paid advertising (Google Ads) and Online Review Management Services (collectively, the “Digital Visibility Services”) are inherently dependent on third‑party platforms, systems, algorithms and policies that are not owned, operated or controlled by us. You acknowledge that (i) the visibility, ranking, reach, performance, publication, suppression, removal or reinstatement of advertisements, search results, content or online reviews are subject to automated algorithms and discretionary decisions of third‑party platforms, which may operate without transparency or notice; (ii) third‑party platforms may, at any time, amend their terms of service, content moderation rules, advertising policies, review guidelines, algorithms or enforcement practices; and (iii) such algorithmic behaviour or policy changes may adversely affect outcomes previously achieved or anticipated.(d) Accordingly, we do not warrant, represent or guarantee that the Digital Visibility Services will: (i) result in any particular ranking, traffic level, engagement metric, conversion rate, reputational outcome or commercial result; (ii) secure the approval, publication, continued display or performance of any advertisement or content; or (iii) result in the removal, suppression, continued absence or non‑reinstatement of any online review or content.(e) Any timelines, estimates, projections or expectations communicated in relation to the Digital Visibility Services are indicative only, provided on a best‑efforts basis, and shall not constitute any binding commitment or guarantee of outcome.(f) Further, we shall not be liable for any Losses arising from or in connection with: (i) the exercise of algorithmic discretion or policy enforcement by any third‑party platform; (ii) changes to third‑party platform rules, algorithms or practices; or (iii) the failure of the Digital Visibility Services to achieve any desired or anticipated outcome.6. USE OF SERVICES BY CLIENT FOR THIRD-PARTIES6.1. Where you use the Services provided by us for further works and/or services that are being provided to a third-party, then:(a) you acknowledge and agree that we have no contractual relationship with any of your customers (“Client’s Customers”) and no rights, benefits, or obligations under this Contract are or shall be transferred to the Client’s Customers by us, and we shall not be liable for any Losses incurred by Client’s Customers for the provision of Services under the Contract.(b) you shall not (i) misrepresent us or the nature, quality, or scope of our Services to the Client’s Customers; (ii) hold yourself out as an agent, representative, or affiliate of Pinnacle Oak to the Client’s Customers; (iii) provide any warranties, guarantees, or assurances on behalf of Pinnacle Oak to the Client’s Customers; or (iv) engage in any conduct that may adversely impact our reputation, competitiveness, or integrity when providing the Services to the Client’s Customers.6.2. You agree to indemnify and hold harmless Pinnacle Oak, our officers, employees, and agents from and against any and all Losses arising from or in connection with:(a) any claim, demand, or legal action brought against Pinnacle Oak and/or you by a Client’s Customer;(b) any misrepresentation, negligence, or breach of this Contract by you which results in action being taken by the Client’s Customers; and/or(c) any use, misuse, modification, or unauthorised representation of the Services by the Client’s Customers.6.3. You must promptly notify us of any complaints, claims, or issues raised by any of the Client’s Customers regarding the Services and subsequently provide all information relevant to such matters that we reasonably request.7. CONFIDENTIALITY7.1. The receiving party of any Confidential Information, whether during or after the term of this Contract, shall:(a) not, without the disclosing party’s consent, disclose Confidential Information to any third-party or use the Confidential Information for any purpose other than in the performance of its obligations or exercise of its rights under the Contract;(b) disclose the Confidential Information only to such of its employees, contractors, consultants or advisers who need to know the Confidential Information in order to perform the receiving party’s obligations under the Contract, all of whom shall agree to be bound by the same confidentiality obligations under this clause; and(c) maintain the confidentiality of all Confidential Information provided to it by the disclosing party and shall use the same efforts (but in each case no less than reasonable efforts) to protect the Confidential Information it receives hereunder as it accords to its own Confidential Information, unless such information is required by law to be disclosed.7.2. Confidential Information does not include any information that (a) is or becomes generally known to the public without breach of any obligation owed to the disclosing party, (b) was known to the receiving party prior to its disclosure by the disclosing party without breach of any obligation owed to the disclosing party, (c) is received from a third-party without knowledge of any breach of any obligation owed to the disclosing party, or (d) was independently developed by the receiving party.7.3. You acknowledge and agree that we may use (and retain for use) any Collected Data beyond the purposes of performing our obligations under a Contract, including but not limited to developing and enhancing our services which may be supplied by us to third-parties, provided that no individual client may be identified from such Collected Data.8. INTELLECTUAL PROPERTY RIGHTS8.1. Ownership and Reservation of Rights. Notwithstanding any other clause of the Contract, the ownership of the Intellectual Property Rights in any item which exists prior to the commencement, or is created independently, of the Contract (“Pre-Existing IP”) will not be altered, transferred, or assigned merely by virtue of a party using that item for the purposes of this Contract. Each party retains all rights, titles and interests in its respective Intellectual Property.8.2. License to use Consultant Pre-Existing IP. Upon payment of fees, and only to the extent that the Pre-Existing IP owned by us is incorporated into the provision of any Services, we shall grant to you a worldwide, perpetual, non-exclusive, non-transferable, royalty-free license to use, solely for your internal business purposes and only to the extent necessary to obtain the full benefit and use of the Services as contemplated by the Contract, our Pre-Existing IP.8.3. Ownership of Created Products. Unless stated to the contrary in writing, we shall:(a) assign to you the Intellectual Property Rights in any materials created as part of the Services (and in all research and reports commissioned by you and used to support or provide the Services) and acknowledge that you are the owner of such materials immediately upon their creation;(b) ensure that the Intellectual Property Rights in any materials created as part of the Services by any third-party on our behalf are assigned to us immediately on their creation, so as to enable us to comply with and give effect to the assignment to you under this clause;(c) consent to all acts or omissions by or on behalf of you that might otherwise constitute an infringement of moral rights in the materials produced as part of the Services. This however does not apply to any part of the Services that is Pre-Existing IP.8.4. License to use Client’s Intellectual Property. You agree to grant a perpetual, non-exclusive, worldwide, non-transferrable, royalty-free license to us (including the right to grant sub-licenses) in respect of:(a) your Intellectual Property Rights in or in relation to any Client Data, but only to the extent necessary for the purpose of providing the Services as contemplated by this Contract;(b) the Intellectual Property Rights in or in relation to any information or materials created by us and which is assigned to you pursuant to Clause 8.3, with the authority to use the information or materials produced in providing services to other clients (provided such use does not infringe your Intellectual Property Rights which are licensed pursuant to this clause); and

(c) hosting, copying, using, transmitting, and displaying any Third-Party Programs and code created by or for you as part of our Services, and Client Data, each as appropriate for us to provide and ensure proper provision and/or performance of any Services in accordance with the Contract. Where required, you grant us permission to allow any Third-Party Program and its provider to access Client Data and information about usage of the Third-Party Program as appropriate for the interoperation of that Third-Party Program with any Services.8.5. Restrictions. You shall not, and shall not permit your personnel, to:(a) permit any third-party to benefit from the use or functionality of any Services, without our prior written consent;(b) permit any direct or indirect access to or use of our Pre-Existing IP in a way that circumvents any contractual usage limit, or use any Services to access, copy or use our Pre-Existing IP except as permitted under the Contract;(c) assign, loan, sell, license, sublicense, distribute, rent, lease or otherwise transfer any of our Pre-Existing IP or Services to any third-party in whole or in part;(d) remove or alter any copyright, trademark or proprietary notice in any of our Pre-Existing IP, or modify, copy, or create derivative works of any our Pre-Existing IP or Services, or any part, feature, function or user interface thereof without our prior written consent, or frame or mirror any part of our Pre-Existing IP (other than framing on your own intranet or otherwise for your own internal business purposes or otherwise as permitted in writing by us);(e) use any Services or Third-Party Programs to store or transmit infringing, libelous, or otherwise unlawful or tortious material, or to store or transmit material in violation of third-party privacy rights;(f) store or transmit any malicious code via or into any of our Pre-Existing IP;(g) attempt to gain unauthorized access to our Pre-Existing IP or its related systems or networks, or interfere with or disrupt the integrity or performance of any Services or third-party data contained therein, or use or disclose any confidential information or trade secrets (including the source code) in any of our Pre-Existing IP;(h) duplicate, modify, merge, translate, disassemble, reverse engineer, deconstruct or otherwise attempt to discover any source code, underlying ideas, algorithms, file formats, programming or interoperability interfaces of any of our Pre-Existing IP to (i) build a competitive product or service, (ii) build a product or service using similar ideas, features, functions or graphics, or (iii) copy any ideas, features, functions or graphics; and(i) use any of our Pre-Existing IP in a manner that violates any applicable law or the Contract.8.6. Infringement(a) Pinnacle Oak warrants that neither the provision of the Services by us nor the exercise of any rights under Clause 8.2, will infringe any Intellectual Property Rights of any third-party.(b) The Client warrants that neither the provision of the information and materials supplied by the Client or the Client’s Intellectual Property for the Services, nor the exercise of any rights under Clause 8.4, will infringe any Intellectual Property Rights of any third-party.9. LIMITATION OF LIABILITY9.1. We shall not be liable for any delays to the extent due to an act or omission of the Client, including any failure by the Client to comply with any of its obligations under the Contract.9.2. We shall not be liable for any warranty or representation as to the quality, performance, and fitness for purpose or otherwise of any Services unless expressed in writing, and any such warranty or representation shall be limited to its express terms.9.3. None of the Implied Terms apply to any Contract except to the extent that they cannot be lawfully excluded.9.4. Our liability for breach of any provision of any such Contract or for breach of any Implied Terms which by force of law cannot be excluded from applying to any such Contract is limited at our option to repairing or re-supplying the Services which have been found defective, or paying the cost of re-supplying the Services which have been found defective.9.5. We are not liable in tort for any Losses suffered by the Client or by any third-party.9.6. In no circumstance whatsoever shall we be liable to the Client or to any third-party for any Consequential Loss in connection with the Services or any failure to achieve any expected, projected or desired outcome from the Services, the Contract, or any Implied Terms, and the Client will keep us fully indemnified against any claim made against us for such Consequential Loss.9.7. Unless otherwise mutually agreed upon and notwithstanding anything contained in the Contract, the maximum cumulative liability of the Consultant whether arising out of the Contract or in tort shall not exceed the aggregate of the moneys actually paid to the Consultant for such Services.9.8. The remedies available to the parties herein are the respective party’s sole and exclusive remedies.10. TERM AND RENEWAL10.1. The Term for the Services to be provided by Pinnacle Oak to you commences on the Start Date and will continue until the End Date (“Initial Term”), unless terminated earlier in accordance with Clause 11.10.2. At the expiry of the Initial Term, the Term will be automatically renewed for successive periods of six (6) months each (each a “Renewal Term”), under the same terms and conditions as the Initial Term (except as varied pursuant to Clause 10.3), unless the Client provides a written termination notice to us not less than 30 days prior to the expiry of the Initial Term.10.3. Not less than two (2) months before the expiry of the Initial Term or any subsequent Renewal Term, we shall provide the Client with written notice detailing the commercial terms for the upcoming Renewal Term (“Renewal Term Proposal”), which are deemed to be accepted by the Client for the Renewal Term unless the Client notifies us of its intention to terminate the Contract.10.4. For the avoidance of doubt, if for any reason we do not notify the Client as contemplated in Clause 10.3, then the Renewal Term will be under the same terms and conditions as the Initial Term in all respects.10.5. During any Renewal Term, the Client may terminate the Contract with one (1) month’s prior written notice.11. TERMINATION11.1. Termination for CauseEither party may terminate the Contract with immediate effect in the event that:(a) the other party defaults on any material obligation of the Contract and (if capable of remedy) fails to remedy the said default to the non-defaulting Party’s reasonable satisfaction within thirty (30) days after being notified in writing to do so;(b) the other Party makes any voluntary arrangement with its creditors, becomes bankrupt or goes into liquidation otherwise than for the purpose of amalgamation or reconstruction, or have an order made or resolution passed for winding-up or otherwise becomes insolvent, or make such proposal, assignment or arrangement for the benefit of its creditors or have a receiver, administrator, encumbrancer or judicial manager taking possession of or appointed over its assets; or(c) the other Party suspends or ceases, or threatens to suspend or cease, to carry on all or a substantial part of its business.11.2. Termination without Cause(a) We may terminate a Contract at any time before the Services are provided by giving written notice to you. On giving such notice, we shall repay to you any sums paid in respect of the Services. We shall have no other liability in respect of such termination.(b) We may terminate a Contract without cause by providing thirty (30) days notice in writing of such termination. In such event, we shall refund the price (or a proportionate part of the price) of the Services (or any part thereof) up to the date of termination. We shall have no other liability in respect of such termination.(c) Subject to Clause 2.6, you may only cancel a Contract in the following circumstances: (i) by providing thirty (30) days notice in writing of such termination; or (ii) at any time upon mutual consent.(d) In the event that you terminate a Contract otherwise than under Clause 2.6: (i) we may retain any deposit or other sums paid on account of the Services; and (ii) if payment is not already made in full, you will be responsible for any Losses incurred by us in respect of such termination (including any Consequential Loss).(e) In the event you terminate a Contract under Clause 2.6, we shall repay to you any sums paid in respect of the Services. We shall not bear any other liability in respect of such termination.11.3. Effects of Termination.(a) Each party shall cease all use of the Confidential Information of the other Party and either return or remove such Confidential Information.(b) Termination of the Contract shall not affect a Party’s accrued rights and obligations as at the date of termination.(c) Notwithstanding anything to the contrary, the following clauses in these Conditions shall survive any termination of the Contract: 7 (Confidentiality), 8 (Intellectual Property Rights), 9 (Limitation of Liability), 11 (Termination) and 12 (Miscellaneous).12. MISCELLANEOUS12.1. Entire Agreement. The Contract constitutes the entire agreement and supersedes any previous written or oral agreement between the parties relating to the subject matter of the Contract.12.2. Variation. No variation, alteration, amendment, or other change of the Contract will be valid or binding on the parties unless it is in writing and signed by the parties.12.3. Severability. If any provision of the Contract is held illegal, invalid or unenforceable such illegality, invalidity or unenforceability will not affect the other provisions of the Contract which shall remain in full force and effect.12.4. Waiver. A waiver of a provision of or right under a Contract must be in writing signed by the party giving the waiver and is effective only to the extent set out in the written waiver. No failure or delay in exercising a right or remedy will constitute a waiver of that right or remedy. No single or partial exercise of such right or remedy prevents further exercise of the same or another right or remedy.12.5. Relief. The rights and remedies provided under the Contract are cumulative and are not exclusive of any rights or remedies provided by law. Each party agrees not to oppose the granting of injunctive relief in favor of the other party on the grounds of failure to prove actual damage.12.6. Manner of Giving Notice. Except as otherwise specified in the Contract, all notices related shall be in writing and will be effective upon (a) personal delivery, (b) the second business day after mailing, or (c) the day of sending by email.12.7. Assignment. Neither party shall assign any right or obligation of the Contract unless with the other party’s prior written consent, provided, however, either party may assign the Contract without the other party’s consent to its Affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets.12.8. Outsourcing. Notwithstanding Clause 12.7 above, Pinnacle Oak shall have the right to outsource or subcontract any part of its obligations hereunder to such third-party whether inside or outside Singapore on such terms and for such scope as it deems fit in its sole discretion. We shall however remain responsible for the performance of any Services and compliance with our obligations under the Contract.12.9. Relationship of the Parties: Pinnacle Oak is an independent contractor and no Contract shall be deemed to create a partnership, franchise, joint venture, agency, fiduciary or employment relationship between the parties.12.10. Counterparts. The Contract may be executed in separate counterparts (and signature pages may be delivered by electronic means including facsimile or email) all of which together evidence the same agreement.12.11. Rights of Third-Parties. A person who is not a party to the Contract has no right under the Contracts (Rights of Third-Parties) Act 2001 to enforce any of its terms.12.12. Marketing: Unless otherwise agreed, the Client agrees to grant to the Consultant the right to utilize the logo and branding of the Client for promotional and marketing purposes. The Consultant agrees to use the logo in a professional and tasteful manner. This provision aims to facilitate the Consultant's marketing efforts by leveraging the Client's brand identity, thereby enhancing visibility and promoting a collaborative and mutually beneficial partnership between the parties.12.13. Governing Law and Jurisdiction: The Contract and these Conditions will be interpreted and construed in accordance with Singapore law. Any dispute arising out of or in connection with the Contract, including any question regarding its existence, shall be resolved in the following manner (all timelines referred to below may be extended by mutual agreement):(a) within fourteen (14) days of receipt by one party from the other party written notice of a dispute, which shall state the nature of the dispute, each party’s authorised representatives with authority shall meet to discuss and negotiate a settlement of the dispute in good faith;(b) if the dispute cannot be settled by mutual accord within thirty (30) days of receipt of the written notice of a dispute, it shall be referred to the Singapore International Mediation Centre for mediation in accordance with the Singapore International Mediation Centre Mediation Rules for the time being in force, without prejudice to any recourse to apply to any tribunal or court of law of competent jurisdiction for any form of interim relief. If the dispute cannot be resolved through mediation within four (4) weeks after commencement of mediation (or such extended period as may be agreed by the parties), the parties shall submit the dispute to the non-exclusive jurisdiction of the courts of Singapore.13. DEFINITION AND INTERPRETATION13.1. DefinitionsWords or expressions used in these Conditions shall have the meanings set forth below, unless any other meaning is apparent in the context in which such words or expressions are used.(a) Business Day means a day that is not a Saturday, Sunday, or public holiday in Singapore.(b) Affiliate means any entity that directly or indirectly Controls, is Controlled by, or is under common Control with the subject entity.(c) Change Order means any change to a Quotation or the Contract as described in Clause 2.4. Change Orders will be deemed incorporated by reference in the applicable Quotation or Contract.(d) Collected Data means any information collected, gathered, developed or processed by the Consultant in the performance of its obligations under the Contract.(e) Confidential Information means any proprietary information, technical data, trade secrets or know-how, including research, product plans, products, services, customers, customer lists, markets, software, developments, inventions, processes, formulas, technology, designs, drawings, engineering, hardware configuration information, marketing, finances or other business information disclosed by a party to the other party either directly or indirectly, whether in writing, orally or through other forms and whether designated as confidential or not. Confidential Information shall also include any Derived Information, Client Data, information comprised in or relating to any Intellectual Property Rights, and the terms and conditions of any Proposal, Quotation or Contract, but shall not include Collected Data.(f) Client means the Client specified in the Quotation or Contract, or otherwise the receiver of the Services and includes any servants, agents, or contractors acting on behalf of the Client, or its successors and permitted assigns.(g) Conditions means these terms and conditions.

(h) Consequential Loss means any loss or damage that is indirect, consequential, incidental or special in nature, whether foreseeable or not, and whether arising in contract, tort (including negligence), statute or otherwise, including any loss of profits, revenue, business, contracts or anticipated savings, loss of goodwill or reputation, loss of data, loss of use or loss of opportunity, business interruption, or any costs or expenses incurred in the actual or attempted mitigation of such loss.(i) Content means information obtained by the Consultant from publicly available sources or its third-party content providers and made available to the Client through any Services.(j) Control means having the authority to control a person’s business and affairs, with such authority presumed to exist upon the possession of beneficial ownership, or the power to direct the vote of 50% of all the voting shares of such company or corporation, or the power to control the composition of the board of directors or similar body of that person. References to “Controlled by”, “under the Control of” and “Controlling” shall be construed accordingly.(k) Contract means a contract for the supply of Services in accordance with these Conditions, as evidenced by the acceptance of any Proposal and Quotation in accordance with Clause 2.(l) Derived Information means any information derived or produced wholly or partially from any Confidential Information by a receiving party.(m) Disbursements means third-party costs incurred by the Consultant on behalf of the Client, which from time to time may be listed in the Quotation or otherwise advised to the Client by the Consultant in writing.(n) DocuSign or PandaDoc means the website www.docusign.com, or www.pandadoc.co, or any other website(s) operated by DocuSign and/or PandaDoc respectively, from time to time.(o) End Date means the end date specified in the Quotation, unless automatically renewed in accordance with Clause 10.2.(p) Implied Terms means any guarantees, conditions, warranties, or other terms implied under applicable law.(q) Intellectual Property and Intellectual Property Rights include property and rights in connection with copyright (including future copyright and rights in the nature of or analogous to copyright), know-how, trade mark, service mark, design, inventions (including patents), semi-conductor or circuit layout rights, trade, business or company names, or other proprietary rights, or any rights to registration of such rights (including all renewals and extensions), whether created before, on, or after a Contract.(r) Losses means liabilities, losses, damages, actions, causes of action, arbitrations, claims, orders, judgments, outgoings, costs (including legal costs calculated on a solicitor and own client basis), and expenses, whether present or future, actual or contingent.(s) Privacy Policy means the policies and procedures of the Consultant regulating the collection, use and disclosure of the Client’s information, which is accessible at https://pinnacleoakinvestments.com/.(t) Proposal means any Proposal for Services put forward by the Consultant to the Client, which will be subject to a Quotation and these Conditions.(u) Quotation means a quotation supplied by the Consultant to the Client in respect of the Services, substantially in the form as set out in Annex A.(v) Services means the services provided by the Consultant to the Client from time to time and which are the subject of a Quotation.(w) SEO means Search Engine Optimisation.(x) Start Date means the start date for the Services as outlined in the Quotation.(y) Term means the term during which the Consultant will provide the Services to the Client, which will commence on the Start Date and end on the earlier of the End Date and the date of termination of the Contract in accordance with these Conditions.(z) Terms of Use means the terms and conditions of use of our website, accessible at https://pinnacleoakinvestments.com/.(aa) Third-Party Program means any web-based, mobile, offline or other software functionality or platform provided by a third-party and which interoperates with a Service.

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