This Website (www.xavierlegal.com) is owned and operated by Xavier & Associates LLC.

By accessing or using any part of this Website, you agree to be bound by these Terms of Use as they
may be amended from time to time without prior notice. If you do not agree to any of these Terms of
Use, please do not access or use this Website.

The contents of this Website (including information, data, text, graphics and other materials)
(collectively “Content”) are provided for general information only, and on an “as is”, “as available”
basis, without warranties of any kind. Xavier & Associates LLC does not warrant the accuracy, adequacy
or completeness of the Content for any purpose and expressly disclaims all liability for errors or
omissions in the Content.

Nothing in this Website shall be construed as forming legal or professional advice, or a definitive
interpretation of any law. Xavier & Associates LLC shall not be responsible for any loss or damage arising
from your use or reliance on any Content. You should seek proper professional or legal advice from a
suitably qualified professional on matters which are of concern to you.

Any links to external websites are provided for convenience and information only. Xavier & Associates
LLC does not endorse and is not responsible for the content of such external websites.

Copyright in the Content is owned by Xavier & Associates LLC. No part of this Website may be stored,
copied, reproduced, distributed, framed, mirrored or hyperlinked without the prior written permission
of Xavier & Associates LLC.

These Terms of Use shall be governed by and construed in accordance with Singapore law.