Last Updated: December 2025 | Effective Date: December 2025
These Terms and Conditions govern your use of services provided by Tessera Wealth ("we," "us," "our," "Company") and your access to our website. By engaging our services or using our website, you agree to be bound by these terms.
If you do not agree with any part of these terms, you should not use our services or website. These terms constitute a legally binding agreement between you and Tessera Wealth.
"Services"
refers to digital asset management advisory services including assessments, strategy development, security audits, and related consultations provided by Tessera Wealth.
"Client" or "You"
refers to any individual or entity engaging our services or accessing our website.
"Digital Assets"
refers to cryptocurrencies, blockchain-based tokens, and related digital holdings that form the subject of our advisory services.
"Agreement"
refers to these Terms and Conditions together with any service-specific engagement letters or agreements.
Our services constitute advisory and educational guidance regarding digital asset participation. We do not provide investment management, asset custody, transaction execution, or financial planning services. Recommendations are based on information provided by clients and our professional judgment but do not constitute guarantees of outcomes.
We do not take custody of digital assets, execute transactions on client behalf, or maintain client accounts. Implementation of our recommendations remains entirely within client discretion and responsibility. We provide guidance but do not manage assets.
We operate as an advisory firm providing consultation services. We are not licensed as investment advisors, securities dealers, or financial planners under Singapore regulations. Our services address digital asset participation strategy and security implementation rather than regulated investment advice.
While we provide general information about Singapore tax treatment and regulatory framework, we are not tax advisors or legal counsel. Clients should consult appropriate licensed professionals for tax planning, legal interpretation, and compliance matters specific to their circumstances.
Clients must provide accurate, complete, and current information regarding their financial situation, digital asset holdings, investment objectives, and risk tolerance. Our recommendations depend on information accuracy—misleading or incomplete disclosure may result in inappropriate guidance.
Clients retain full responsibility for all investment decisions and actions taken based on our recommendations. Our guidance does not constitute instructions or directives—implementation decisions rest entirely with clients who must evaluate suitability for their specific circumstances.
Clients should consult appropriate professionals including tax advisors, legal counsel, and financial planners when our recommendations intersect with matters requiring licensed expertise. We facilitate such consultations but cannot substitute for specialized professional advice.
When we provide security recommendations, clients remain responsible for proper implementation and ongoing maintenance. While we may assist with implementation guidance, ultimate responsibility for wallet security, backup adequacy, and recovery procedure effectiveness rests with clients.
We charge fixed fees for defined deliverables as specified in service descriptions and engagement letters. Fees are quoted in Singapore dollars (S$) and established before engagement commencement. No percentage-based fees, asset management charges, or commissions apply.
Assessment services require full payment before initial consultation scheduling. Strategy development and security audit services require 50% deposit before work commencement with balance due upon deliverable completion. Payment terms specified in engagement letters supersede these general provisions.
We accept bank transfers to Singapore accounts and selected digital payment methods. Cryptocurrency payment may be accepted at management discretion with exchange rate determined at payment time. All fees exclude applicable taxes unless otherwise specified.
Published service fees may change with 30 days notice. Clients with active engagements pay fees agreed at engagement commencement regardless of subsequent price changes. Annual review services for existing clients maintain preferential rates for 24 months following initial engagement.
Assessment fees are refundable if cancellation occurs more than 48 hours before scheduled consultation. Cancellations within 48 hours forfeit 50% of fee. No-show appointments forfeit full fee. Rescheduling permitted once without penalty if 48-hour notice provided.
Deposits are refundable if cancellation occurs before work commencement. Once work begins, deposits become non-refundable. If client terminates engagement after work begins but before completion, fees paid reflect work completed to termination point with no refund of deposit.
If deliverables do not meet agreed specifications, we will revise at no additional charge. If revision cannot achieve satisfaction, partial refund negotiated based on work completed and value provided. Disagreement with recommendations or advice does not constitute grounds for refund when deliverables meet specified format and content requirements.
All methodology frameworks, analysis templates, documentation formats, and proprietary processes used in service delivery remain our intellectual property. Clients receive personal, non-transferable license to use deliverables for intended purposes but may not reproduce, distribute, or commercialize our methods.
Clients retain ownership of all information, data, and materials provided to us. By engaging services, clients grant us license to use provided information for service delivery, internal analysis, and aggregate research purposes (with identifying information removed).
All website content including text, graphics, logos, and design elements are protected by copyright and trademark laws. Unauthorized reproduction, distribution, or commercial use is prohibited. Educational or reference use with proper attribution is permitted for non-commercial purposes.
We maintain strict confidentiality regarding all client information, financial data, digital asset holdings, and consultation content. Information is shared only with authorized team members on a need-to-know basis and with third parties only when client authorized or legally required.
Confidentiality obligations survive engagement termination indefinitely. We may use anonymized, aggregate data for research and methodology improvement purposes but will not disclose information identifying specific clients or their holdings.
Clients may authorize us to communicate with their other advisors including accountants, lawyers, and financial planners. Such authorization should be provided in writing specifying permitted disclosures and recipient parties.
Services are provided "as is" based on information available at consultation time and our professional judgment. We make no representations or warranties regarding investment outcomes, tax treatment accuracy, security implementation effectiveness, or regulatory compliance completeness.
Digital asset markets are highly volatile and subject to substantial price fluctuations, regulatory changes, technical failures, and security threats. Our recommendations cannot eliminate these inherent characteristics. Clients must understand and accept significant loss potential before digital asset participation.
Our total liability for any claims arising from services provided is limited to fees paid for the specific service giving rise to the claim. We are not liable for consequential, indirect, or incidental damages including lost profits, trading losses, or opportunity costs resulting from our recommendations or service delivery.
We are not liable for delays or failures in service delivery resulting from circumstances beyond reasonable control including natural disasters, government actions, communication failures, or other force majeure events. Obligations are suspended during such events and resume when circumstances permit.
Clients may terminate ongoing engagements with written notice. Termination before deliverable completion results in charges for work completed to termination date. Deposits paid are non-refundable once work begins. Completed deliverables remain client property regardless of termination.
We may terminate engagements if client provides materially inaccurate information, fails to make required payments, behaves unprofessionally toward team members, or requests services beyond our expertise or ethical boundaries. Upon termination, we refund fees for work not yet commenced.
Termination does not affect obligations incurred before termination including payment requirements, confidentiality duties, and intellectual property rights. Provisions intended to survive termination including confidentiality, dispute resolution, and limitations of liability remain in effect.
Clients should first attempt to resolve disputes by contacting our management at [email protected]. We commit to good faith efforts toward mutually acceptable resolution within 30 days of dispute notification.
If informal resolution fails, parties agree to non-binding mediation administered by the Singapore Mediation Centre before pursuing other remedies. Mediation costs split equally unless parties agree otherwise. Mediation proceedings remain confidential.
Disputes not resolved through informal resolution or mediation will be settled by arbitration in Singapore under Singapore International Arbitration Centre rules. Arbitration decisions are final and binding. This agreement is governed by Singapore law and subject to Singapore courts' exclusive jurisdiction.
Claims arising from our services must be brought within 24 months of service completion or cause of action arising, whichever is earlier. Claims brought after this period are time-barred regardless of merit.
These Terms and Conditions together with service-specific engagement letters constitute the entire agreement between parties. Prior discussions, proposals, or understandings are superseded unless explicitly incorporated by written reference.
If any provision is found invalid or unenforceable, remaining provisions continue in full effect. Invalid provisions will be modified to achieve intended economic effect to maximum extent permitted by law.
Failure to enforce any provision does not constitute waiver of that provision or any other provision. Waivers must be explicit and in writing to be effective. No course of dealing or custom modifies these terms unless agreed in writing.
Clients may not assign rights or obligations under these terms without our written consent. We may assign our rights and obligations to successor entities or affiliates with client notification but without requiring consent.
All notices must be in writing and delivered by email to addresses provided during engagement or to [email protected] for the Company. Notices are effective upon confirmed receipt.
For questions regarding these Terms and Conditions or service-related legal matters:
Legal Department - Tessera Wealth
Email: [email protected]
Phone: +65 6512 9847
Address: 168 Robinson Road, #14-09 Capital Tower, Singapore 068912