1. Acceptance
By accessing or using this website, you agree to these Terms of Use. If you do not agree, please discontinue use of the website.
2. General information only
The website provides general information about COJ and its services. It does not constitute accounting, tax, legal, regulatory, financial or other professional advice. You should obtain advice appropriate to your circumstances before acting on any information presented here.
3. No client relationship
Submitting an enquiry or communicating through this website does not by itself create a client, advisory, fiduciary or other professional relationship. Any engagement is subject to COJ's acceptance, applicable checks and a separate written agreement.
4. Accuracy and availability
We aim to keep website information useful and current, but do not guarantee that all content is complete, accurate or continuously available. Laws, regulations, grant schemes and administrative requirements may change.
5. Permitted use
You must not misuse the website, attempt unauthorised access, interfere with its operation, introduce malicious code, submit unlawful material or use the website in a manner that infringes another person's rights.
6. Intellectual property
Unless otherwise stated, website text, branding, graphics and design are owned by or licensed to COJ. You may view and print reasonable extracts for personal, non-commercial use, but may not reproduce or distribute substantial content without permission.
7. External links
Links to third-party websites are provided for convenience. COJ does not control and is not responsible for their content, availability, security or privacy practices.
8. Confidential and sensitive information
Please do not submit passwords, banking credentials or highly sensitive documents through the general enquiry form. Information sent before a formal engagement may not be protected by professional confidentiality obligations that apply only after an engagement is accepted.
9. Liability
To the extent permitted by law, COJ is not liable for loss arising solely from reliance on general website content, temporary unavailability, third-party services or unauthorised interference beyond our reasonable control. Nothing in these terms excludes liability that cannot lawfully be excluded.
10. Governing law
These terms are governed by the laws of Singapore. Any dispute relating to these terms or the use of this website is subject to the jurisdiction of the courts of Singapore.
11. Changes and contact
We may update these terms by publishing a revised version on this page. Questions may be sent to enquiry@cojsg.com.