Terms of Use

Agreement to Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you and Settom Goal Setting ("we," "our," or "us") regarding your use of our website and services.

By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.

Definitions

• "Website" refers to risisettom.pro and all associated pages and services
• "Services" refers to coaching, consulting, and transformation programs offered by Settom Goal Setting
• "Client" refers to individuals who have enrolled in our programs
• "User" refers to anyone who accesses our website
• "Content" refers to text, images, videos, and other materials on our website

Use of Website

Permitted Use

You may use our website for:

• Learning about our services and programs
• Submitting inquiries and contacting us
• Accessing information and resources we provide
• Any other lawful purpose consistent with these Terms

Prohibited Use

You agree not to:

• Use the website in any unlawful manner or for illegal purposes
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the website or servers
• Transmit viruses, malware, or other malicious code
• Collect or harvest information about other users
• Impersonate any person or entity
• Use automated systems (bots, scrapers) without permission
• Copy, reproduce, or distribute our content without authorization
• Remove copyright or proprietary notices from content

Intellectual Property Rights

Our Content

All content on our website, including text, graphics, logos, images, videos, software, and compilation, is the property of Settom Goal Setting and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include:

• Reproduction or modification of content
• Commercial use or distribution
• Reverse engineering or decompilation
• Creation of derivative works

Trademarks

"Settom Goal Setting" and associated logos are our trademarks. You may not use these trademarks without our prior written consent.

Services and Programs

Service Description

We offer personal transformation and goal-setting programs as described on our website. Descriptions are subject to change without notice.

Enrollment

Enrollment in our programs requires:

• Completion of inquiry process
• Acceptance of our service agreement
• Payment of applicable fees
• Agreement to program requirements and expectations

Professional Relationship

Our services are professional coaching and consulting. They are not:

• Medical or mental health treatment
• Therapy or psychological counseling
• Legal or financial advice
• Guaranteed to produce specific outcomes

If you require medical, psychological, legal, or financial services, please consult appropriate licensed professionals.

Client Responsibilities

As a client, you are responsible for:

• Participating actively and honestly in sessions
• Completing agreed-upon actions between sessions
• Communicating openly about challenges and progress
• Maintaining confidentiality of program materials
• Making your own decisions and taking responsibility for outcomes

Payment Terms

Fees

Program fees are listed on our website in Singapore Dollars (SGD). All fees are subject to change without notice, but changes will not affect existing client agreements.

Payment

Payment is due as specified in your service agreement. We accept payment via methods specified during enrollment.

Refund Policy

Refunds are handled according to the terms specified in your service agreement. Generally:

• Full refund available after first session if you determine the program isn't right for you
• No refunds after the first session except in extenuating circumstances
• Refund requests must be submitted in writing to [email protected]

Privacy and Data Protection

Your use of our website and services is subject to our Privacy Policy and GDPR Compliance Statement. By using our website, you consent to our collection and use of information as described in those documents.

Confidentiality

We maintain confidentiality of client information, except:

• When required by law
• When there is imminent risk of harm to self or others
• When you provide written consent to share specific information

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the website will be uninterrupted or error-free
• Warranties regarding accuracy or completeness of content
• Warranties regarding specific results or outcomes from our services

Limitation of Liability

To the maximum extent permitted by law, Settom Goal Setting and its officers, employees, and agents shall not be liable for:

• Indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from your use or inability to use our website or services
• Damages resulting from decisions or actions you take based on our services

Our total liability for any claim related to our services shall not exceed the amount you paid for those services.

Indemnification

You agree to indemnify and hold harmless Settom Goal Setting and its officers, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your violation of these Terms
• Your violation of any laws or third-party rights
• Your use of our website or services
• Your provision of false or misleading information

Third-Party Links

Our website may contain links to third-party websites. We do not control or endorse these websites and are not responsible for their content, privacy practices, or terms of use.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of the website after changes constitutes acceptance of the modified Terms.

Material changes affecting existing client agreements will be communicated directly and may require separate consent.

Modifications to Website or Services

We reserve the right to:

• Modify or discontinue the website or services at any time
• Change program offerings, features, or pricing
• Restrict access to certain features or content

We will make reasonable efforts to communicate significant changes that affect active clients.

Termination

By You

You may stop using our website at any time. Client program termination is subject to the terms of your service agreement.

By Us

We reserve the right to:

• Suspend or terminate your access to the website for violation of these Terms
• Discontinue services to any client with appropriate notice as specified in service agreements
• Refuse service to anyone for any lawful reason

Effect of Termination

Upon termination:

• Your right to use the website immediately ceases
• Provisions regarding intellectual property, liability, and indemnification survive
• You remain responsible for any outstanding payments

Dispute Resolution

Governing Law

These Terms are governed by the laws of Singapore, without regard to conflict of law principles.

Jurisdiction

Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Singapore.

Informal Resolution

Before pursuing formal dispute resolution, we encourage you to contact us at [email protected] to seek informal resolution.

General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Settom Goal Setting.

Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect.

Waiver

Our failure to enforce any provision does not waive our right to enforce it later.

Assignment

You may not assign your rights or obligations under these Terms. We may assign our rights and obligations to any party without restriction.

Force Majeure

We are not liable for failure to perform obligations due to circumstances beyond our reasonable control.

Contact Information

For questions about these Terms, please contact us:

Settom Goal Setting
Email: [email protected]
Address: Marina Bay Financial Centre, 8 Marina Boulevard, #12-07, Singapore 018981

Acknowledgment

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.