TERMS OF USE

Effective date: 1 August 2017
Last updated: 29 July 2026

 

1. INTRODUCTION

These Terms of Use govern your access to and use of the websites, pages, platforms, products and services operated or supplied by Thought Expressions Pte. Ltd.

In these Terms:

“Thought Expressions”, “we”, “us” and “our” refer to Thought Expressions Pte. Ltd., a company registered in Singapore under registration number 201229716N

“You” and “your” refer to any person or organisation accessing, purchasing, registering for or participating in our Services.

“Services” includes our websites, online courses, digital resources, assessments, member portals, live programmes, memberships, masterminds, coaching, mentoring, consulting, workshops, events, communities, communications and related products or services.

By accessing our websites, creating an account, completing a purchase, registering for or participating in a Service, you agree to these Terms.

If you are accepting these Terms on behalf of a company or another organisation, you confirm that you have the authority to bind that organisation.

If you do not agree to these Terms, you must not use or purchase our Services.

 

2. ABOUT THOUGHT EXPRESSIONS

Thought Expressions Pte. Ltd. is registered in Singapore.

 

Company registration number: 201229716N

Registered or business address:
10 ANSON ROAD
#10-11
INTERNATIONAL PLAZA
SINGAPORE (079903)

 

Email: connect@thoughtexpressions.com

Website: https://www.thoughtexpressions.com

 

3. ELIGIBILITY

You must be at least 18 years old to purchase our Services unless the purchase is completed or authorised by your parent or legal guardian.

You confirm that:

• the information you provide is accurate and complete;
• you have legal capacity to enter into an agreement;
• you will use the Services only for lawful purposes; and
• where you purchase on behalf of an organisation, you have authority to do so.

We may decline a registration or purchase where we reasonably believe that these requirements have not been met.

 

4. PRODUCT-SPECIFIC TERMS

Certain products and services may be subject to additional terms, conditions, payment arrangements, cancellation provisions, refund policies, participation requirements or guarantees displayed on the applicable:

• sales page;
• proposal;
• quotation;
• order form;
• checkout page;
• registration page;
• membership agreement; or
• other written agreement presented before purchase.

These are referred to as “Product-Specific Terms”.

Product-Specific Terms form part of your agreement with Thought Expressions.

If there is a conflict between these general Terms and the Product-Specific Terms, the Product-Specific Terms will prevail for that particular purchase regarding matters such as:

• price and currency;
• the number and timing of payments;
• products, services and benefits included;
• access periods;
• completion or redemption deadlines;
• attendance and participation requirements;
• cancellation and rescheduling arrangements;
• refund eligibility;
• satisfaction or performance guarantees; and
• other conditions expressly stated for that purchase.

These general Terms continue to apply to all other matters.

The Product-Specific Terms presented and accepted at the time of purchase will generally continue to govern that purchase. We will not retrospectively remove an accrued refund, guarantee or other material contractual right, except where a change is required by law.

 

5. ACCOUNTS AND SECURITY

Some Services require you to create an account or access a member portal.

You are responsible for:

• providing accurate registration details;
• keeping your login details secure;
• ensuring that your contact information remains current;
• all activity conducted through your account; and
• notifying us promptly if you suspect unauthorised use.

Your account is personal to you. You may not share your password, login credentials or member access with another person.

We may require you to reset your password or take other reasonable security measures.

We may suspend access where we reasonably suspect unauthorised use, account sharing, fraud or a security risk.

 

6. ORDERS AND ACCEPTANCE

Submitting an order does not necessarily mean that we have accepted it.

An order is accepted when:

• payment has been successfully processed;
• we issue confirmation of acceptance; or
• we begin supplying the applicable Service,

whichever occurs first.

We may decline or cancel an order before acceptance where:

• the product or service is unavailable;
• the price or description contains a genuine error;
• payment cannot be authorised;
• the order appears fraudulent or unauthorised;
• legal or regulatory restrictions apply; or
• we reasonably believe that accepting the order would create a safety, security or operational risk.

If we cancel an order after payment but before supply begins, we will refund the amount collected for the cancelled order.

 

7. PRICES, TAXES AND CURRENCY

Prices are stated in the currency displayed on the applicable sales page, proposal, order form or checkout.

Unless expressly stated otherwise:

• taxes required by applicable law may be added;
• bank, card, currency-conversion and international transaction fees are your responsibility;
• promotional prices apply only during the stated promotional period; and
• discount codes cannot be applied retrospectively.

You are responsible for reviewing the total amount and payment arrangement before completing your purchase.

Where an obvious pricing or technical error has occurred, we may correct the error before accepting the order. Where payment has already been collected, we may offer you the corrected purchase or cancel and refund the affected order.

 

8. PAYMENT PROCESSING

Payments may be processed through third-party providers such as Stripe, PayPal, Kartra or other authorised payment platforms.

We generally do not receive or store your complete payment-card details. Payment information is handled by the relevant payment processor in accordance with its own terms and privacy practices.

By submitting payment details, you confirm that:

• you are authorised to use the payment method;
• the information provided is accurate;
• sufficient funds or credit are available; and
• you authorise the applicable charges described before purchase.

Receipts are normally issued electronically.

 

9. FIXED INSTALMENT ARRANGEMENTS

Some products may be offered through a fixed instalment arrangement.

A fixed instalment arrangement is a commitment to purchase one product or service by paying its total price in several scheduled payments. It is not an automatically renewing membership or indefinite subscription.

The number, amount and timing of instalments will be disclosed before purchase.

By completing the first payment, you authorise us and our payment processors to charge the remaining scheduled instalments to your selected payment method.

Unless Product-Specific Terms, an approved guarantee claim or applicable law states otherwise:

• completing the first payment commits you to all stated instalments;
• stopping participation does not cancel the remaining payments;
• failing to use or complete the Service does not cancel the remaining payments;
• cancelling portal access does not automatically cancel the payment obligation; and
• previously paid instalments are non-refundable after delivery has begun.

You must maintain a valid payment method and sufficient funds for each scheduled payment.

If an instalment cannot be processed, we may:

• attempt the payment again;
• ask you to update your payment details;
• temporarily suspend access;
• withhold further services or benefits while the payment is overdue; or
• terminate access where the account remains materially overdue.

Suspension or termination due to non-payment does not automatically remove an outstanding payment obligation.

Any remaining payments cancelled as part of an approved product-specific guarantee will be handled according to the applicable Product-Specific Terms.

 

10. SUBSCRIPTIONS AND RENEWABLE MEMBERSHIPS

Some Services may renew automatically.

Before purchase, we will disclose the applicable:

• price;
• billing frequency;
• renewal period;
• minimum commitment, if any;
• cancellation process; and
• notice requirements.

By purchasing an automatically renewing Service, you authorise recurring charges until the subscription is cancelled in accordance with the applicable terms.

Unless otherwise stated:

• cancellation prevents the next renewal;
• cancellation does not normally refund the current billing period;
• access continues until the end of the paid period;
• unused time is not credited or carried forward; and
• failing to attend or use the membership does not cancel it.

We may change a renewal price by providing reasonable advance notice. You may cancel before the new price takes effect.

Where a renewal payment fails, we may retry the payment and suspend access until payment is received.

Fixed instalment arrangements are governed by Section 9 and are not treated as renewable memberships merely because recurring payment technology is used.

 

11. DIGITAL PROGRAMMES AND PRODUCTS

Digital products may include courses, recordings, workbooks, assessments, templates, downloads, portals and related resources.

Access will normally be supplied electronically after successful payment or registration.

You are responsible for:

• providing an accurate email address;
• checking spam, junk and promotions folders;
• following login and password instructions;
• maintaining suitable equipment and internet access; and
• contacting us within a reasonable time if access has not been received.

An email not being opened or seen does not necessarily mean that access was not supplied where the account and access instructions were correctly made available.

We may update, reorganise, replace or remove individual lessons, resources, features or platforms where reasonably necessary.

We do not guarantee that every historical resource, platform feature or downloadable item will remain permanently available.

 

12. LIFETIME ACCESS

Where a product expressly includes “lifetime access”, this means access to the applicable core digital programme for as long as Thought Expressions continues to operate and make that programme available.

It does not mean:

• the lifetime of the purchaser;
• permanent availability of a particular software platform;
• lifetime access to live sessions;
• lifetime access to memberships or communities;
• unlimited personalised feedback;
• lifetime coaching or mentoring; or
• permanent availability of every original lesson, recording or resource.

We may:

• update or replace outdated content;
• migrate the programme to a different platform;
• reorganise modules;
• change the delivery format;
• remove obsolete or unsupported resources; or
• replace components with reasonably equivalent materials.

Where reasonably practicable, we will endeavour to maintain substantially equivalent access to the core programme.

Lifetime access may be suspended or terminated where:

• required payments remain unpaid;
• an account is shared or misused;
• intellectual property is infringed;
• serious misconduct occurs; or
• these Terms are materially breached.

 

13. LIVE PROGRAMMES, WORKSHOPS AND EVENTS

Live Services may be delivered online or in person.

Dates, times, venues, speakers, facilitators, formats and platforms may occasionally change because of:

• facilitator availability;
• illness or emergency;
• public holidays;
• technical problems;
• venue issues;
• travel disruption;
• safety requirements;
• insufficient enrolment; or
• circumstances outside our reasonable control.

We will provide reasonable notice of material changes where practicable.

You are responsible for checking the time in your location, including any daylight-saving changes.

Unless Product-Specific Terms state otherwise:

• non-attendance does not create a refund right;
• missed sessions do not automatically extend an access period;
• replacement sessions are not guaranteed;
• recordings are not guaranteed;
• confidential or interactive portions may not be recorded; and
• facilitator substitutions may be made where reasonably necessary.

Where we cancel a paid live Service and cannot provide a reasonable replacement, credit or rescheduled date, we will refund the amount attributable to the cancelled Service.

 

14. SESSION RECORDINGS

We may record selected live sessions for educational, administrative or replay purposes.

Where a session will be recorded, reasonable notice will normally be provided.

A recording may include participant names, voices, images, comments, questions or presentations.

By participating after notice has been given, you acknowledge that you may appear in the recording. Where practical, you may participate with your camera off or avoid speaking if you do not wish to appear.

Some sessions, discussions, coaching segments, hot seats or confidential portions may not be recorded.

You may not record, photograph, screenshot, reproduce or distribute a session or its contents without our prior permission and, where applicable, the permission of other participants.

 

15. PRIVATE COACHING, MENTORING AND CONSULTING

Private services are subject to the arrangements stated in the applicable proposal, sales page, checkout or confirmation.

Unless Product-Specific Terms state otherwise:

• sessions are subject to availability;
• sessions must be scheduled sufficiently in advance;
• purchased sessions must be completed within the stated redemption period;
• where no period is stated, sessions should be completed within twelve months;
• at least 48 hours’ notice is required to reschedule a confirmed session;
• late cancellation or non-attendance may result in the session being treated as used;
• arriving late does not normally extend the session;
• sessions are personal and non-transferable; and
• preparation materials may be required before a session.

Where we need to reschedule, we will offer a reasonable alternative date.

Where we are permanently unable to provide an unused purchased session, we may provide a refund, credit or reasonable substitute for that unused session.

Private coaching, mentoring and consulting are educational and developmental services. They do not constitute psychotherapy, medical treatment, legal advice, financial advice or other regulated professional advice.

 

16. PERSONALISED FEEDBACK

Some Services include personalised feedback on eligible assignments, recordings, assessments, presentations or fieldwork.

Feedback is available only where the submission:

• follows the stated instructions;
• falls within the scope of the Service;
• meets any format or length requirements;
• is submitted using the required method;
• is technically accessible; and
• is submitted within any applicable deadline or eligibility period.

Personalised feedback does not mean unlimited on-demand coaching.

Unless expressly included, feedback does not require us to:

• write or rewrite your work;
• create your presentation for you;
• attend your meetings;
• provide emergency or immediate responses;
• review unlimited submissions; or
• provide services outside the stated programme scope.

We may decline material that is unlawful, abusive, unsafe, technically inaccessible or outside the Service’s intended scope.

Any stated response time is an estimate unless expressly described as guaranteed.

 

17. REFUNDS, CANCELLATIONS AND GUARANTEES

Refunds, cancellations, credits and guarantees are governed by:

• the applicable Product-Specific Terms;
• our Refund and Cancellation Policy; and
• any rights that cannot lawfully be excluded.

Certain products may include a specific satisfaction, performance or participation-based guarantee.

A product-specific guarantee may require you to:

• complete particular lessons or stages;
• complete specified fieldwork;
• apply the learning;
• submit evidence of completion; and
• make the request within a stated period.

A conditional or participation-based guarantee is not an unconditional trial period.

Unless Product-Specific Terms or applicable law state otherwise, payments are non-refundable once:

• digital access has been supplied;
• delivery of a programme has begun;
• personalised preparation or feedback has commenced;
• a private session has been delivered;
• a reserved date or place has been committed; or
• the applicable cancellation period has expired.

Not completing a programme, not attending, changing your mind, failing to use available resources or being unable to allocate sufficient time does not by itself create a right to a refund.

Our Refund and Cancellation Policy is available at:

https://www.thoughtexpressions.com/refundpolicy

Nothing in these Terms removes any consumer or other legal right that cannot lawfully be excluded.

 

18. EMPLOYER OR THIRD-PARTY SPONSORED PURCHASES

An employer, sponsor or other third party may pay for a participant’s Service.

Unless otherwise agreed:

• the participant remains bound by the participation, conduct, confidentiality and intellectual-property provisions;
• the payer is responsible for the agreed payment;
• access belongs to the named participant;
• access may not be transferred without our written agreement; and
• refunds are issued to the original payer or payment method.

We may provide reasonable attendance, completion or payment confirmation to the sponsoring organisation where this has been disclosed or authorised.

We will not disclose confidential coaching or assessment content to a sponsor unless the participant has authorised it or disclosure is legally required.

 

19. INTELLECTUAL PROPERTY

Our Services and materials may contain intellectual property owned by or licensed to Thought Expressions.

This includes:

• course videos and audio;
• workbooks;
• slides;
• assessments;
• frameworks;
• methodologies;
• templates;
• graphics;
• written materials;
• session recordings;
• coaching resources;
• feedback;
• portal content;
• programme structures;
• trade names;
• trademarks;
• logos; and
• downloadable resources.

Your purchase gives you a limited, personal, non-exclusive, non-transferable and revocable licence to use the applicable materials for your own learning and professional development.

You may not, without written permission:

• share your account or materials with another person;
• copy or reproduce substantial parts of a Service;
• distribute, publish, sell, license or resell materials;
• commercially teach or deliver our programme;
• create a competing or derivative product from our materials;
• record or redistribute live sessions;
• remove copyright, trademark or ownership notices;
• scrape or automatically download content;
• upload confidential or proprietary materials to a public repository;
• use our materials to train, fine-tune or develop an artificial-intelligence model;
• use automated systems to extract or reproduce programme content; or
• represent our intellectual property as your own.

You may download or print materials only where that functionality is provided and only for your personal use.

 

20. TRADEMARKS

Thought Expressions and the names, logos and branding of our programmes and services may be trademarks or protected trade names.

Nothing in these Terms grants you the right to use our name, logo, programme names, branding or other marks for commercial, promotional or misleading purposes.

You may accurately state that you participated in or completed a programme where true, but you may not imply certification, endorsement, partnership or authority beyond what was expressly granted.

 

21. INTELLECTUAL PROPERTY COMPLAINTS

If you believe that material available through our Services infringes intellectual property that you own or are authorised to represent, contact:

connect@thoughtexpressions.com

Your notice should include:

• identification of the protected work;
• identification and location of the allegedly infringing material;
• your name and contact details;
• evidence of your ownership or authority;
• a good-faith explanation of the alleged infringement; and
• the action you are requesting.

We may request further information before taking action.

 

22. PARTICIPANT MATERIALS AND PRIVATE SUBMISSIONS

You retain ownership of original materials that you submit to us, including fieldwork, recordings, assessments, presentations, workbooks and coaching information.

You grant us a limited, non-exclusive licence to access, store, review, reproduce internally and otherwise process those materials only as reasonably necessary to:

• deliver the purchased Service;
• provide feedback or coaching;
• administer the programme;
• maintain appropriate records;
• resolve disputes;
• protect security; and
• comply with legal obligations.

This licence does not give us a general right to publish or market your private submissions.

You confirm that you have the right to submit the material and that doing so does not unlawfully disclose another person’s confidential information or infringe another person’s rights.

You should avoid submitting unnecessary personal, commercially sensitive or confidential information.

 

23. PUBLIC COMMUNITY CONTENT

Where you post content in a member community, forum, public discussion area or other shared environment, you retain ownership of your content.

You grant us a non-exclusive licence to host, store, display and reproduce that content as reasonably necessary to operate and moderate the community.

You remain responsible for your posts and must ensure that they:

• are accurate to the best of your knowledge;
• do not infringe intellectual property;
• do not unlawfully disclose confidential information;
• are not defamatory, threatening or abusive;
• do not contain malicious code; and
• comply with applicable law.

We may remove public or community content that breaches these Terms or creates a legal, safety or operational risk.

 

24. TESTIMONIALS AND MARKETING PERMISSION

We will not use a private coaching submission, fieldwork recording, photograph, video, testimonial or case study for public marketing solely because you accepted these Terms.

Public marketing use requires separate express permission, which may be obtained through:

• a written release;
• an email confirmation;
• a testimonial form;
• a recording consent;
• an interview agreement; or
• another clear consent process.

Any permission will be governed by the terms stated when consent is obtained.

You may withdraw consent for future use by contacting us, subject to reasonable time for removal and any lawful use already completed or committed.

 

25. CONFIDENTIALITY

We will take reasonable steps to protect information provided privately for coaching, assessment, programme administration or feedback.

We may share information with employees, contractors, coaches, facilitators or service providers who reasonably need it to deliver or administer the Service.

Confidentiality does not apply where disclosure is:

• authorised by you;
• required by law or court order;
• necessary to protect safety;
• necessary to investigate fraud, abuse or misconduct;
• already lawfully public; or
• independently known without a confidentiality obligation.

You must respect the privacy and confidentiality of other participants.

Information shared in a group environment cannot be guaranteed to remain absolutely confidential because other participants are outside our direct control.

You should not disclose sensitive corporate, client, employee or personal information unless you are authorised to do so.

 

26. PARTICIPANT CONDUCT

You agree to behave professionally and respectfully.

You must not:

• harass, threaten or abuse another person;
• discriminate unlawfully;
• disrupt a session or community;
• impersonate another person;
• share another participant’s confidential information;
• solicit participants aggressively or without permission;
• promote unrelated products or services without approval;
• distribute unlawful or harmful content;
• interfere with platforms or security;
• attempt unauthorised access;
• introduce viruses or malicious code;
• scrape or extract member information;
• use the Services for fraud or unlawful activity; or
• infringe intellectual-property or privacy rights.

We may moderate communities and take reasonable steps to protect participants, facilitators and our Services.

 

27. SUSPENSION AND TERMINATION

We may suspend or terminate access where reasonably necessary because of:

• material non-payment;
• account sharing;
• fraud or suspected fraud;
• unlawful activity;
• harassment, threats or abuse;
• serious disruption;
• confidentiality breaches;
• intellectual-property infringement;
• security risks;
• misuse of the platform;
• danger to another person; or
• another material breach of these Terms.

Where appropriate, we will provide notice and a reasonable opportunity to correct the issue.

Immediate suspension or termination may occur where misconduct is serious, urgent action is required for safety or security, or the law requires it.

Termination for breach does not automatically create a refund right or cancel an outstanding fixed instalment obligation.

 

28. THIRD-PARTY PLATFORMS

Our Services may use third-party platforms such as:

• Kartra;
• Stripe;
• PayPal;
• Zoom;
• Microsoft 365;
• email providers;
• assessment platforms;
• scheduling platforms; and
• other technology providers.

Your use of those platforms may also be subject to their terms and privacy policies.

We are not responsible for third-party outages, policy changes, account restrictions or failures outside our reasonable control.

Where a third-party issue materially affects a paid Service, we will take reasonable steps to restore access, migrate delivery or provide an appropriate alternative.

 

29. EXTERNAL LINKS AND THIRD-PARTY CONTENT

Our websites and Services may contain links to external websites or content.

Links are provided for information or convenience and do not necessarily indicate endorsement.

We do not control external websites and are not responsible for:

• their content;
• availability;
• security;
• privacy practices;
• accuracy; or
• transactions you enter into with them.

You access third-party websites at your own discretion.

 

30. EDUCATIONAL AND PROFESSIONAL DISCLAIMER

Our Services are provided for education, communication development, leadership development and professional growth.

They do not constitute:

• medical advice;
• psychological treatment;
• psychotherapy;
• legal advice;
• financial advice;
• investment advice;
• employment advice;
• regulatory advice; or
• another regulated professional service.

You remain responsible for your decisions, actions, communications and professional conduct.

Where specialist advice is required, you should consult an appropriately qualified professional.

 

31. RESULTS DISCLAIMER

We do not guarantee a particular:

• career outcome;
• promotion;
• speaking engagement;
• financial result;
• business result;
• employment result;
• leadership assessment;
• personal transformation; or
• level of performance.

Examples, testimonials and case studies describe individual experiences and do not guarantee that another participant will achieve the same result.

Results depend on factors including:

• attendance;
• participation;
• preparation;
• practice;
• fieldwork;
• application;
• experience;
• organisational circumstances; and
• individual effort.

Any specific product guarantee is governed by its Product-Specific Terms.

 

32. AVAILABILITY AND TECHNOLOGY

We aim to make our websites and Services reasonably available but do not guarantee uninterrupted or error-free access.

Temporary interruptions may occur because of:

• maintenance;
• upgrades;
• cyber incidents;
• platform outages;
• internet failures;
• service-provider issues;
• emergencies; or
• events outside our reasonable control.

We may temporarily restrict access to protect systems, users or data.

You are responsible for maintaining suitable equipment, software, internet access and email access.

 

33. WARRANTIES

We will provide paid Services with reasonable care and skill.

Except for express commitments contained in these Terms or Product-Specific Terms, and to the fullest extent permitted by law, the Services are provided without additional express or implied warranties.

We do not warrant that:

• every Service will meet every individual expectation;
• all content will remain permanently unchanged;
• access will always be uninterrupted;
• all third-party platforms will remain available;
• every error can be corrected immediately; or
• participation will produce a particular outcome.

Nothing in this section excludes a warranty or right that cannot lawfully be excluded.

 

34. LIMITATION OF LIABILITY

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or other liability that applicable law requires us to retain.

Subject to that qualification, Thought Expressions will not be liable for indirect, incidental, special or consequential losses arising from the Services, including loss of profit, revenue, business opportunity, goodwill or anticipated savings.

We are not responsible for loss arising from:

• decisions you make based on educational content;
• unauthorised account use caused by your failure to protect login details;
• inaccurate information supplied by you;
• third-party platforms outside our reasonable control;
• failure to attend or use a Service;
• disclosure by another participant in a group setting; or
• events outside our reasonable control.

To the fullest extent permitted by law, our total aggregate liability arising from an affected Service will not exceed the amount actually paid by you for that affected Service during the twelve months preceding the event giving rise to the claim.

Where the affected Service was a one-time purchase, the limit will not exceed the amount paid for that purchase.

These limitations apply only to the extent they are lawful and reasonable in the circumstances.

 

35. YOUR RESPONSIBILITY AND INDEMNITY

You are responsible for losses, claims or expenses reasonably arising from:

• your unlawful use of the Services;
• your infringement of another person’s rights;
• material you submit without authority;
• your breach of confidentiality;
• fraud or deliberate misconduct; or
• your material breach of these Terms.

To the extent permitted by law, you agree to indemnify Thought Expressions against third-party claims arising directly from such conduct.

This indemnity does not apply to the extent that a claim was caused by our negligence, breach or unlawful conduct.

 

36. EVENTS OUTSIDE REASONABLE CONTROL

We are not responsible for delay or failure caused by circumstances outside our reasonable control, including:

• natural disasters;
• severe weather;
• epidemics or public-health restrictions;
• war, terrorism or civil unrest;
• industrial disputes;
• government action;
• travel disruption;
• power or internet failure;
• cyber incidents;
• platform outages;
• venue closure;
• illness or emergency; or
• failure of suppliers or infrastructure.

We will take reasonable steps to minimise disruption and, where practicable, provide a rescheduled service, alternative delivery, credit or appropriate refund.

 

37. PRIVACY AND PERSONAL DATA

We collect, use, disclose, store and otherwise process personal data in accordance with our Privacy Policy and applicable data-protection law.

Our Privacy Policy explains matters including:

• the information we collect;
• how we use it;
• service providers and international processing;
• marketing communications;
• cookies and analytics;
• retention;
• security;
• access and correction requests; and
• how to contact us about personal data.

The Privacy Policy is available at:

https://www.thoughtexpressions.com/privacy-policy

By using the Services, you acknowledge that personal data may be processed through third-party systems used to deliver and administer the Services.

 

38. COMMUNICATIONS AND MARKETING

We may send transactional communications necessary to administer your purchase, including:

• receipts;
• access instructions;
• scheduling information;
• service updates;
• payment notices;
• account messages; and
• policy or operational notices.

Transactional communications are not optional where they are necessary to provide the Service.

We may send marketing communications where permitted by law and your communication preferences.

You may unsubscribe from marketing communications using the unsubscribe link or by contacting us.

Unsubscribing from marketing does not prevent essential transactional communications.

 

39. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms and any dispute relating to the Services are governed by the laws of Singapore.

Before commencing formal proceedings, the parties should attempt in good faith to resolve the dispute by contacting the other party and providing reasonable details of the issue.

Notices to Thought Expressions should be sent to:

connect@thoughtexpressions.com

If the dispute cannot be resolved informally, the parties submit to the exclusive jurisdiction of the courts of Singapore, subject to any consumer right or mandatory jurisdiction that cannot lawfully be excluded.

 

40. CHANGES TO THESE TERMS

We may update these Terms to reflect:

• changes in our Services;
• operational requirements;
• technology changes;
• security needs;
• legal or regulatory requirements; or
• improvements in clarity.

Updated Terms will apply to future use and purchases from the stated effective date.

The Terms accepted at the time of purchase will generally continue to govern that purchase together with the applicable Product-Specific Terms.

Where a material change reasonably affects an existing ongoing Service, we will provide notice where practicable.

We will not retrospectively remove an accrued refund, guarantee or other material contractual right except where required by law.

 

41. ASSIGNMENT

You may not transfer your rights, account, membership, coaching sessions or programme access without our written agreement.

We may transfer our rights and obligations as part of a merger, restructuring, sale, business transfer or service reorganisation, provided that doing so does not materially reduce your contractual rights.

 

42. SEVERABILITY

If any part of these Terms is found to be invalid or unenforceable, that part will be interpreted or modified to the minimum extent necessary.

The remaining provisions will continue in effect.

 

43. WAIVER

A failure or delay in enforcing a provision does not waive the right to enforce it later.

A waiver is effective only when expressly given.

 

44. ENTIRE AGREEMENT

These Terms, together with the applicable:

• Product-Specific Terms;
• sales page;
• proposal;
• order form;
• checkout terms;
• Refund and Cancellation Policy;
• Privacy Policy; and
• any other written agreement accepted by the parties,

form the agreement between you and Thought Expressions concerning the applicable Service.

They replace prior discussions or representations concerning the same subject, except where a representation has been expressly incorporated into the agreement or applicable law provides otherwise.

 

45. CONTACT

Questions about these Terms may be sent to:

Thought Expressions Pte. Ltd.

Email: connect@thoughtexpressions.com

Address:
10 ANSON ROAD
#10-11
INTERNATIONAL PLAZA
SINGAPORE (079903)

Website: https://www.thoughtexpressions.com

 

© 2026 Thought Expressions Pte. Ltd. All rights reserved.