Terms of Service

1. Who we are

This site (insights-2.com) is operated by INSIGHTS-2, a sole-proprietorship registered in Singapore (UEN 53523643C), trading as Insights² (“we”, “us”, “our”). Our principal place of business is 21 Hazel Park Terrace, #1-7, Hazel Park Condominium, Singapore 678946.

2. Definitions

• “Site” means the website at insights-2.com and any subdomains we expressly bring within these Terms.
• “Services” means the consultancy services described on this Site, and any related services we agree to provide you under a separate engagement letter or statement of work.
• “You” means the person or entity accessing the Site or engaging us for Services.
• “Confidential Information” means information disclosed by one party to the other in the course of an engagement that is marked or reasonably understood to be confidential.

Our products at meridian.insights-2.com and costmark.insights-2.com have their own Terms; nothing here overrides those. Meridian is currently in a public, open-ended beta. Its beta-period terms, covering tier availability, pricing display, and platform behaviour, are set out in Meridian Terms §3 and apply in addition to the Meridian Terms generally.

3. Acceptance and changes

By accessing or using the Site you agree to these Terms. If you do not agree, do not use the Site.

We may revise these Terms from time to time. The “Last updated” date at the top of the page reflects the current version. For material changes that adversely affect your rights, we will give at least 30 days' notice on this page before the new version takes effect.

4. Permitted use of the Site

The Site is provided for informational and professional purposes. You agree not to:

• Use the Site for any unlawful purpose or in breach of any applicable law in your jurisdiction or ours.
• Scrape, harvest, mirror, or otherwise extract content from the Site at scale, including via automated tools, without our prior written consent.
• Use the Site or any of its content to train machine-learning models without our prior written consent.
• Attempt to interfere with the Site's availability, security, or integrity (denial-of-service, vulnerability probing without authorisation, malware, etc.).
• Misrepresent your relationship with us or pass off our content as your own.

5. Intellectual property

All content on the Site — text, graphics, logos, code, page layouts, the “Insights²” mark and stylisations, the “Meridian” and “Costmark” product marks — is owned by INSIGHTS-2 or licensed to us, and is protected under Singapore copyright and trademark law and equivalent laws in other jurisdictions.

We grant you a limited, revocable, non-exclusive, non-transferable licence to view the Site and to print or download individual pages for your own non-commercial reference. We reserve all other rights.

Third-party software embedded in the Site is provided under its own open-source licence. Our credits and attribution page (when published) lists those dependencies.

6. User-submitted content

This Site does not currently invite user-submitted content. If you choose to send us material by email or via a future contact form, you grant us a non-exclusive, royalty-free, limited licence to use that material to respond to your enquiry, fulfil any engagement that follows, and meet our legal and tax obligations. This licence ends when those purposes have been fulfilled, except where we are required by law to retain the material. You retain ownership of anything you send us.

7. Professional advice disclaimer

The Site describes our consultancy capabilities and provides general commentary on data, BI, and corporate-real-estate topics. Nothing on the Site is professional, legal, financial, or tax advice; nothing on it is a contract, offer to contract, or guarantee of any specific outcome. Do not rely on Site content for a specific decision without engaging us, or another professional, on terms agreed in writing.

8. Disclaimers and warranties

The Site is provided “as is” and “as available”. To the maximum extent permitted by law, we exclude all warranties, conditions, and representations, express or implied, including any warranty of fitness for a particular purpose, merchantability, accuracy, completeness, or non-infringement.

Some jurisdictions do not allow the exclusion of certain warranties, in which case the excluded warranties are limited to the minimum permitted by law and the remainder of these Terms continues to apply. Nothing here is intended to exclude or limit any consumer rights you may have under Singapore's Consumer Protection (Fair Trading) Act, Australia's Australian Consumer Law, the UK Consumer Rights Act 2015, the EU Consumer Rights Directive, or any other consumer protection statute that applies to you and that cannot lawfully be excluded.

9. Limitation of liability

Subject to the consumer-rights carve-out in section 8, and to the maximum extent permitted by law:

• We will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of business, loss of data, or loss of goodwill, even if we have been advised of the possibility of such damages.
• Our aggregate liability arising out of or in connection with the Site or these Terms is capped at the greater of (a) the fees paid by you to us in the 12 months immediately preceding the event giving rise to the claim, or (b) SGD 100.
• Nothing in this clause excludes or limits our liability for fraud, fraudulent misrepresentation, death or personal injury caused by our negligence, or any other liability that cannot lawfully be excluded.

10. Indemnity

You agree to defend and indemnify us against any third-party claims, losses, damages, and reasonable costs (including legal fees) arising out of (a) your breach of these Terms, (b) your unlawful use of the Site, or (c) your violation of any third party's rights. We will give you prompt notice of any such claim and reasonable assistance in dealing with it.

11. Third-party links

The Site may link to third-party sites and services (LinkedIn, GitHub, our subprocessors, etc.). We don't control those sites, we don't endorse them, and we're not responsible for their content, terms, or privacy practices.

12. Termination

You may stop using the Site at any time. We may suspend or terminate your access to the Site if you breach these Terms or if we are required to by law. Sections that by their nature should survive termination — including IP, disclaimers, limitation of liability, indemnity, governing law, and dispute resolution — will survive.

On termination, any personal data you have provided will be handled in accordance with our Privacy Policy. Data retained solely for legal or tax obligations will be kept for the required period and then deleted.

13. Force majeure

Neither party is liable for failure to perform an obligation (other than to pay money) caused by an event reasonably beyond its control — including natural disasters, war, civil unrest, pandemic, government action, internet or third-party service outages, and labour disputes — provided the affected party gives prompt notice and uses reasonable efforts to resume performance.

14. Governing law

These Terms, your use of the Site, and any non-contractual obligations arising in connection with them are governed by the laws of Singapore. The Singapore courts have exclusive jurisdiction, except that we may bring proceedings against you in any jurisdiction in which you reside or do business.

15. Dispute resolution

Before starting court proceedings, both parties agree to:

• Notify the other in writing of the dispute, with enough detail for the other to investigate.
• Discuss the dispute in good faith for at least 30 days from the date of the notice.
• If the dispute is not resolved within that period, either party may submit it to mediation administered by the Singapore International Mediation Centre (SIMC), or proceed directly to the Singapore courts under section 14.

16. General

• Entire agreement. These Terms (together with our Privacy Policy and any signed engagement letter) are the entire agreement between us about the Site, and supersede any prior representations.
• Severability. If any clause is held unenforceable, the rest remain in force.
• No waiver. A failure to enforce any right is not a waiver of that right.
• Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a sale, merger, or reorganisation of our business, provided any such assignment is conditional on the incoming party being bound by substantially equivalent data-protection obligations to those in our Privacy Policy at the date of assignment.
• No third-party rights. A person who is not a party to these Terms has no rights under the Singapore Contracts (Rights of Third Parties) Act to enforce any term.
• Notices. We will email you at any address you have given us; you can reach us at hello@insights-2.com.

17. Contact

Questions about these Terms — email hello@insights-2.com.

INSIGHTS-2 (UEN 53523643C)
21 Hazel Park Terrace, #1-7, Hazel Park Condominium
Singapore 678946