Terms of service

Last Updated: August 6, 2025

1. Services Provided
Phare Consultancy Limited ("we," "our") offers advisory services for bank account establishment in Hong Kong, Singapore, and offshore jurisdictions. We are not a bank, financial institution, or regulated corporate service provider.

2. Client Responsibilities
You agree to:

  • Provide accurate, complete documentation for applications

  • Disclose all material facts about your business/activities

  • Comply with all bank/financial institution requirements

3. Fees & Payment

  • Fees are due as specified in your service agreement

  • No upfront payments; invoiced upon pre-approval from banks

  • Refunds (up to 95%) require written request within 14 days of rejection

4. Limitation of Liability
We are not liable for:

  • Bank rejections or account closures

  • Losses from financial institution decisions

  • Delays caused by incomplete client-provided information

5. Intellectual Property
All materials (guides, templates) remain our exclusive property and may not be redistributed.

6. Governing Law
These terms are governed by Hong Kong SAR law. Disputes shall be resolved through arbitration in Hong Kong.

7. Amendments
We may update these terms with notice via email or website updates.

Contact:
For questions, contact info@phareconsultancy.com