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      <h1 class="fade-up">Terms & Conditions</h1>
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            <h2 style="font-size:1.8rem;margin-bottom:8px;text-align:center;">Our Terms & Conditions</h2>
            <p style="text-align:center;color:#9ca3af;font-family:'Lato',sans-serif;font-size:0.875rem;margin-bottom:36px;">TZR Investment Holdings Pte. Ltd. · UEN: 201200947H</p>
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              <p>Welcome to our website.</p>
              <p>By accessing and using this website, you agree to comply with and be bound by the following terms and conditions, together with our Privacy Policy, which govern the relationship between you and TZR Investment Holdings Pte. Ltd. If you do not agree to any part of these terms, please refrain from using this website.</p>
              <p>The terms "TZR Investment Holdings Pte. Ltd.", "TZR Investment", "we", "us" or "our" refer to the owner of this website. The term "you" refers to the user or visitor of our website.</p>

              <h3>1. Website Use</h3>
              <p>The content on this website is provided for general informational purposes only and may be updated or changed without prior notice.</p>
              <p>We do not make any warranties or representations regarding the accuracy, reliability, completeness, or suitability of the content, materials, or services on this website for any particular purpose. You acknowledge that the information may contain errors or inaccuracies, and we expressly disclaim liability for any such issues to the fullest extent permitted by law.</p>
              <p>Your use of this website and any information or materials provided is entirely at your own risk. It is your responsibility to ensure that any products, services, or information available through this website meet your individual requirements.</p>

              <h3>2. Intellectual Property</h3>
              <p>All materials on this website, including but not limited to design, layout, appearance, graphics, and content, are owned or licensed by TZR Investment Holdings Pte. Ltd. Reproduction, distribution, or use of this material is prohibited except as permitted by the copyright notice included on this website.</p>
              <p>Unauthorized use of this website may result in a claim for damages and/or be considered a criminal offense.</p>

              <h3>3. External Links</h3>
              <p>This website may contain links to third-party websites for your convenience. These links do not imply endorsement by TZR Investment Holdings Pte. Ltd., and we are not responsible for the content or accuracy of any external websites.</p>

              <h3>4. Investment Disclaimer</h3>
              <p>The information contained on this website does not constitute financial, investment, or professional advice. TZR Investment Holdings Pte. Ltd. does not accept liability for any loss or damage arising from reliance on the information provided. Any investment decisions should be made after independent research and, where appropriate, professional financial advice.</p>

              <h3>5. Limitation of Liability</h3>
              <p>To the maximum extent permitted by applicable law, TZR Investment Holdings Pte. Ltd. shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of this website or its content.</p>

              <h3>6. Governing Law</h3>
              <p>These terms and conditions are governed by the laws of Singapore. Any disputes relating to the use of this website shall be subject to the exclusive jurisdiction of the courts of Singapore.</p>

              <h3>7. Changes to Terms</h3>
              <p>We reserve the right to modify these terms and conditions at any time. Updated terms will be posted on this page. Your continued use of the website following any changes constitutes your acceptance of the revised terms.</p>

              <h3>8. Contact</h3>
              <p>If you have any questions regarding these terms, please contact TZR Investment Holdings Pte. Ltd. at our <a href="contact.php" style="color:var(--gold-mid);">Contact page</a>.</p>
              <p>Registered Address: 14A Hougang Street 11, #01-75, The Minton, Singapore 534070 · UEN: 201200947H</p>

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