Acceptance by use
By browsing, reading, or sending an enquiry through this website, you accept these Terms of Use. If you disagree with a term, stop using the site.
Simple and clear.
Website legal terms
Terms of Use
Using this website means you agree to the terms below. They set clear ground rules for accessing Ng's Value content, contacting our Singapore team, and considering our expense management services.
Last updated: 21 February 2025
Agreement to Terms
These website legal terms apply to every visitor. Read them before relying on information published by Ng's Value.
Separate service arrangements
A website visit does not create a consulting engagement. Any paid work, scope, fees, data handling, and delivery dates will be set out in a separate written agreement.
Responsible access
Use the site for lawful business and information purposes. Do not interfere with its security, copy it into a competing service, or submit content that infringes another person's rights.
Intellectual Property Rights
Text, layouts, diagrams, service descriptions, names, marks, and other material on this website belong to Ng's Value or the relevant rights holder. They are protected under applicable Singapore law.
You may read the content for your own business evaluation. You may not reproduce, adapt, publish, sell, or present it as your own without written permission. Contact us first if you need to quote a passage in a company document.
Know the limits
Service Disclaimers and Limitations
Our published material gives general operational guidance. It does not replace advice from a qualified accountant, lawyer, tax adviser, or licensed financial professional.
Make decisions with complete facts
Examples, figures, checklists, and observations on this site may not match your records, contracts, tax position, or risk profile.
- Ng's Value does not promise a particular saving, outcome, approval, or financial result.
- You remain responsible for checking information and obtaining professional advice before acting.
- To the extent permitted by law, Ng's Value is not liable for indirect loss, lost revenue, lost data, or decisions made from website content.
- Nothing here excludes liability that Singapore law does not allow a business to exclude.
Governing Law
These Singapore business consulting terms are governed by the laws of Singapore. The courts of Singapore have exclusive jurisdiction over disputes connected with this website or these Terms of Use, subject to any mandatory rights you may have under applicable law.
We may update these terms when the website, our services, or legal requirements change. The updated date at the top of this page shows which version applies to future use.
Legal enquiries
Contact for Legal Inquiries
Questions about these terms should be sent to Ng's Value. Include the page name and the clause you are asking about so we can respond accurately.