Terms and Conditions
Legal agreement governing the use of our website and services.
Effective Date: November 8, 2025
Binding Legal Agreement
These Terms and Conditions constitute a legally binding agreement between you and Fulcrum Intel. By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately cease using our website and services.
These Terms apply to all visitors, users, and others who access or use our website. We may update these Terms from time to time, and your continued use of our services after such modifications constitutes your acceptance of the updated Terms.
User Obligations and Responsibilities
1. Legal Responsibilities and Conduct
As a user of our website and services, you agree to:
- 1.1 Comply with all applicable local, state, national, and international laws and regulations
- 1.2 Use our services only for legitimate business purposes in a professional manner
- 1.3 Not interfere with or disrupt the operation of our website or services
- 1.4 Respect the rights and dignity of other users and third parties
- 1.5 Maintain the confidentiality of any sensitive information shared during our engagement
2. Prohibited Activities and Behaviors
You expressly agree not to:
- 2.1 Submit false, misleading, or fraudulent information through our website
- 2.2 Attempt to gain unauthorized access to our systems, servers, or networks
- 2.3 Use any automated means to access our website without our express permission
- 2.4 Engage in any activity that could harm our reputation or business interests
- 2.5 Copy, reproduce, or redistribute our content without written authorization
- 2.6 Use our services for any unlawful or unauthorized purpose
3. Content Guidelines and Restrictions
Any content you submit through our website must:
- 3.1 Be accurate and truthful to the best of your knowledge
- 3.2 Not contain defamatory, offensive, or inappropriate material
- 3.3 Not infringe on the intellectual property rights of others
- 3.4 Not contain malicious code, viruses, or harmful software
- 3.5 Comply with applicable data protection and privacy regulations
4. Age Restrictions and Requirements
Our services are intended for use by business professionals and organizations. You must be at least 18 years of age or the age of legal majority in your jurisdiction to use our services. By using our website, you represent and warrant that you meet these age requirements and have the legal capacity to enter into binding agreements.
Compliance and Indemnification
5. Compliance with Laws and Regulations
You are solely responsible for ensuring that your use of our services complies with all applicable laws, regulations, and industry standards in your jurisdiction. This includes but is not limited to securities regulations, financial services laws, data protection requirements, and anti-money laundering provisions.
6. Indemnification Obligations
You agree to indemnify, defend, and hold harmless Fulcrum Intel, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses arising from:
- 6.1 Your use or misuse of our website and services
- 6.2 Your violation of these Terms and Conditions
- 6.3 Your violation of any third-party rights, including intellectual property rights
- 6.4 Any content or information you submit through our website
7. Privacy and Data Protection
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. You acknowledge that you have read and understood our Privacy Policy and consent to the collection, use, and disclosure of your information as described therein.
Disclaimers and Liability Limitations
8. Disclaimer of Warranties
OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
- 8.1 Warranties of merchantability, fitness for a particular purpose, or non-infringement
- 8.2 Warranties that our services will be uninterrupted, timely, secure, or error-free
- 8.3 Warranties regarding the accuracy or completeness of content on our website
- 8.4 Warranties that defects will be corrected or that our systems are free from viruses
You acknowledge that your use of our website and services is at your sole risk.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FULCRUM INTEL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- 9.1 Your access to or use of or inability to access or use our services
- 9.2 Any conduct or content of any third party on our services
- 9.3 Any content obtained from our services
- 9.4 Unauthorized access, use, or alteration of your transmissions or content
10. Consequential Damages Exclusion
In no event shall our aggregate liability exceed the amount you paid to us in the twelve months preceding the event giving rise to the claim. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.
11. Force Majeure Provisions
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
Legal Information and Dispute Resolution
12. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Singapore for the resolution of any disputes arising from or relating to these Terms or your use of our services.
13. Dispute Resolution Procedures
In the event of any dispute, controversy, or claim arising out of or relating to these Terms:
- 13.1 The parties shall first attempt to resolve the matter through good faith negotiations
- 13.2 If negotiations fail, the parties may pursue mediation before resorting to litigation
- 13.3 Any legal action must be commenced within one year of the cause of action arising
- 13.4 The prevailing party in any litigation shall be entitled to recover reasonable legal fees
14. Severability Clause
If any provision of these Terms is found to be unenforceable or invalid under applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions, which shall continue in full force and effect.
15. Terms Modification Policy
We reserve the right to modify these Terms at any time. Material changes will be effective upon posting to our website. We may also provide notice of significant changes via email or through a prominent notice on our website. Your continued use of our services after modifications constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.
16. Entire Agreement
These Terms and Conditions, together with our Privacy Policy and any other legal notices or agreements published on our website, constitute the entire agreement between you and Fulcrum Intel concerning your use of our services. These Terms supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and Fulcrum Intel.