Terms & Conditions

Effective Date: January 15, 2026

Last Updated: January 15, 2026

These Terms and Conditions govern your use of Cornerstone Group's website and consulting services. By accessing our website or engaging our services, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our website or services.

1. Definitions

In these Terms and Conditions:

• "We," "Us," "Our," refers to Cornerstone Group, a consulting practice operating in Singapore.
• "You," "Your," "Client," refers to the individual or organization accessing our website or engaging our services.
• "Services" refers to the consulting services we provide, including Business Model Assessment, Competitive Positioning Analysis, and Stakeholder Communication Planning.
• "Engagement" refers to a specific consulting project governed by a separate service agreement.
• "Website" refers to our online presence at cornergroupe.sbs and related domains.
• "Agreement" refers to these Terms and Conditions together with any service-specific agreements.

2. Acceptance of Terms

By accessing our website or engaging our consulting services, you acknowledge that:

• You have read, understood, and agree to be bound by these Terms and Conditions
• You are at least 18 years of age or have reached the age of majority in your jurisdiction
• You have the authority to enter into binding agreements on behalf of your organization if applicable
• All information you provide to us is accurate and current

If you are entering into this agreement on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these terms.

3. Services Description

3.1 Consulting Services

We provide business consulting services focused on business model assessment, competitive positioning analysis, and stakeholder communication planning. Our services are advisory in nature and designed to provide frameworks, insights, and recommendations.

3.2 Service Availability

Services are provided subject to availability. We reserve the right to decline engagements that may present conflicts of interest or fall outside our scope of expertise.

3.3 Geographic Scope

Our services are primarily provided to organizations operating in Singapore. We may consider engagements with organizations in other jurisdictions on a case-by-case basis.

4. Engagement Process

4.1 Initial Consultation

Before commencing any engagement, we offer an initial consultation to understand your needs and determine if our services are appropriate. This consultation is provided without obligation.

4.2 Service Agreement

Each consulting engagement is governed by a separate service agreement that specifies scope, deliverables, timeline, and fees. The service agreement supersedes these general Terms and Conditions in case of conflict.

4.3 Client Responsibilities

Clients agree to:

• Provide accurate and complete information necessary for the engagement
• Make key stakeholders available for interviews and discussions as needed
• Respond to information requests in a timely manner
• Review draft deliverables and provide feedback within agreed timeframes
• Maintain confidentiality of our work product and methodologies

5. Fees and Payment

5.1 Service Fees

Fees for consulting services are specified in individual service agreements. Our standard fees are displayed on our website but may be adjusted based on engagement scope and complexity.

5.2 Payment Terms

Unless otherwise agreed, payment terms are as follows:

• 50% of engagement fee due upon signing service agreement
• Remaining 50% due upon delivery of final deliverables
• Payment due within 14 days of invoice date
• Payment accepted via bank transfer to our Singapore business account

5.3 Currency

All fees are quoted and payable in Singapore Dollars (SGD) unless otherwise agreed in writing.

5.4 Late Payment

Late payments may incur interest charges at a rate of 1.5% per month or the maximum rate permitted by Singapore law, whichever is less. We reserve the right to suspend work on engagements with overdue payments.

6. Intellectual Property

6.1 Our Intellectual Property

All materials, methodologies, frameworks, and deliverables created by us remain our intellectual property. Clients receive a limited, non-exclusive license to use deliverables for their internal business purposes.

6.2 Client Information

Clients retain all rights to information and materials they provide to us. We do not claim ownership of client data or business information.

6.3 Restrictions

Clients may not:

• Resell, distribute, or commercialize our deliverables
• Modify our methodologies or frameworks for use by third parties
• Remove or alter any proprietary notices from our materials
• Use our work product to compete with our consulting services

7. Confidentiality

7.1 Our Obligations

We treat all client information as confidential and will not disclose it to third parties except:

• With client's written consent
• As required by law or court order
• To our professional advisors under similar confidentiality obligations
• When information is already publicly available

7.2 Client Obligations

Clients agree to maintain confidentiality regarding our methodologies, work product, and any proprietary information we share during engagements.

8. Disclaimers and Limitations

8.1 Advisory Nature of Services

Our services are advisory only. We provide frameworks, analysis, and recommendations but do not make business decisions for clients. Implementation of any recommendations is at the client's sole discretion and risk.

8.2 No Guarantees

We do not guarantee specific business outcomes, results, or performance improvements from our consulting services. Business success depends on numerous factors beyond our control.

8.3 Professional Advice Disclaimer

Our services do not constitute legal, accounting, tax, or investment advice. Clients should consult appropriate licensed professionals for such matters.

8.4 Website Disclaimer

Our website is provided "as is" without warranties of any kind. We do not guarantee that the website will be error-free, secure, or continuously available.

9. Limitation of Liability

To the maximum extent permitted by Singapore law:

9.1 Liability Cap

Our total liability arising from any engagement shall not exceed the fees paid by the client for that specific engagement.

9.2 Excluded Damages

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities.

9.3 Exceptions

Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or other matters that cannot be limited under Singapore law.

10. Termination

10.1 By Client

Clients may terminate an engagement with 7 days written notice. Clients remain responsible for fees for work completed up to the termination date plus any non-cancellable expenses incurred.

10.2 By Us

We may terminate an engagement with 7 days written notice if:

• Client breaches material terms of the agreement
• Client fails to provide necessary information or access
• Continuing the engagement would violate professional obligations
• Payment is more than 30 days overdue

10.3 Effect of Termination

Upon termination, clients receive work product completed to date. Confidentiality obligations survive termination. Any outstanding fees become immediately due and payable.

11. Dispute Resolution

11.1 Governing Law

These Terms and Conditions are governed by the laws of Singapore. Any disputes shall be subject to the exclusive jurisdiction of Singapore courts.

11.2 Informal Resolution

Before initiating formal proceedings, parties agree to attempt to resolve disputes through good-faith negotiation. Either party may request a meeting to discuss and resolve concerns.

11.3 Mediation

If informal resolution fails, parties agree to attempt mediation through the Singapore Mediation Centre before pursuing litigation.

12. General Provisions

12.1 Entire Agreement

These Terms and Conditions, together with any service-specific agreements, constitute the entire agreement between parties regarding the subject matter and supersede all prior discussions and understandings.

12.2 Amendments

We may modify these Terms and Conditions at any time by posting updated terms on our website. Continued use of our website or services after changes constitutes acceptance of modified terms. Material changes to ongoing engagements require mutual written agreement.

12.3 Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

12.4 Waiver

Our failure to enforce any right or provision shall not constitute a waiver of that or any other provision.

12.5 Assignment

Clients may not assign or transfer their rights or obligations under these terms without our written consent. We may assign our rights and obligations with notice to clients.

12.6 Force Majeure

Neither party shall be liable for delays or failures in performance resulting from circumstances beyond reasonable control, including natural disasters, government actions, or public health emergencies.

13. Contact Information

For questions about these Terms and Conditions, please contact us: