1. Introduction

These Terms of Service ("Terms") govern your access to and use of the MatterGuard platform ("Service"), a cloud-based Know Your Client (KYC) and Anti-Money Laundering (AML) compliance management system provided by MatterGuard Pte. Ltd. ("Company", "we", "us", or "our").

By accessing or using the Service, you ("Client", "you", or "your") agree to be bound by these Terms. If you are using the Service on behalf of a law firm or other organization, you represent that you have the authority to bind that organization to these Terms.

2. Service Description

MatterGuard provides a professional judgment documentation system designed to help legal professionals record, evidence, and manage their KYC and AML compliance processes. The Service includes:

• Matter management and client onboarding workflows
• Risk assessment documentation tools
• Screening integration capabilities (third-party providers)
• Document storage and management
• Audit trail and compliance reporting
• Partner approval workflows

3. Professional Responsibility

Important: MatterGuard is a documentation and workflow tool. It does not provide legal advice, make compliance decisions, or replace professional judgment. All risk assessments, client acceptance decisions, and compliance determinations remain the sole responsibility of the Client and its qualified personnel.

The Client acknowledges that:

• Screening results are recorded as performed by the firm and reviewed by its personnel
• Risk levels are assigned by humans, not calculated by the system
• The Service facilitates documentation of professional judgment, not the judgment itself
• Regulatory compliance remains the Client's responsibility

4. User Accounts and Access

The Client is responsible for:

• Maintaining the confidentiality of account credentials
• Ensuring only authorized personnel access the Service
• Assigning appropriate roles (Staff, Lawyer, Partner, Compliance) to users
• Promptly revoking access for departing personnel
• All activities that occur under Client accounts

5. Data Ownership and Retention

The Client retains ownership of all data entered into the Service ("Client Data"). We process Client Data solely to provide the Service and as described in our Privacy Policy.

Upon termination of the Service:

• Client Data will be available for export for 30 days
• After the export period, Client Data will be securely deleted
• Audit logs may be retained for regulatory purposes as required by law

6. Service Availability

We strive to maintain 99.9% uptime for the Service. However, we do not guarantee uninterrupted access and shall not be liable for any downtime or service interruptions. Scheduled maintenance will be communicated in advance where practicable.

7. Fees and Payment

Fees for the Service are as set forth in the applicable Order Form or subscription agreement. All fees are non-refundable except as expressly stated otherwise. We reserve the right to modify pricing with 30 days' notice.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO THE USE OF THE SERVICE.

THE COMPANY'S TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY THE CLIENT IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9. Indemnification

The Client agrees to indemnify and hold harmless the Company from any claims, damages, or expenses arising from: (a) the Client's use of the Service; (b) the Client's violation of these Terms; or (c) the Client's violation of any applicable law or regulation.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Singapore.

11. Modifications

We may modify these Terms from time to time. Material changes will be communicated via email or through the Service at least 30 days before taking effect. Continued use of the Service after such notice constitutes acceptance of the modified Terms.

12. Contact Information

For questions about these Terms, please contact us at: