Terms & Conditions

1.1  These website terms and conditions (“Terms”) govern access to and use of the website at vestraassets.com (including any subdomains, the “Website”) operated by Vestra Assets Pte. Ltd. (Singapore UEN No. 202548140R), referred to as “Vestra”, “we”, “us” or “our”.

1.2  The Website is an informational website. It does not require account registration and has no user-to-user, messaging, or community features. By using the Website, including the Calculator described in Clause 5, you agree to be bound by these Terms.

1.3  If you do not agree to these Terms, please do not use the Website.

1.4  We may update these Terms from time to time by posting a revised version on the Website. The version in effect at the time of your use applies.

1.5  The Website is not intended for use by persons under 18 years of age.

For ease of reference, this Clause 2 sets out the principal defined terms used in these Terms.

Term	Meaning
AI Usage Policy	Vestra’s published policy describing the AI tools and safeguards used in Vestra’s Services and the Calculator, available at vestraassets.com/ai-usage-policy [confirm URL].
Asset Intelligence	The service described in Clause 4 (Asset Intelligence).
Calculator	The publicly accessible matrimonial asset division calculator made available on the Website, described in Clause 5.
CIR	Vestra’s Court Intelligence Report, described in Clause 4 (Division of Assets).
Content	Text, graphics, and other material displayed on the Website.
Division of Assets	The service described in Clause 4 (Division of Assets).
Evidencing Brief	The scope of work document agreed and signed by Vestra and the client before any Forensic Legal Evidencing engagement begins, as described in Clause 4 (Forensic Legal Evidencing).
Forensic Legal Evidencing	The service described in Clause 4 (Forensic Legal Evidencing).
PDPA	The Personal Data Protection Act 2012 of Singapore, including subsidiary legislation and guidelines, as amended.
Services	Collectively, Division of Assets, Forensic Legal Evidencing, and Asset Intelligence, each described in Clause 4.
SIR	Vestra’s Settlement Intelligence Report, described in Clause 4 (Division of Assets).
Vestra / we / us / our	Vestra Assets Pte. Ltd. (Singapore UEN No. 202548140R).
Website	The website at vestraassets.com, including any subdomains.
You / your	Any visitor to, or user of, the Website.

3.1  The Website does not require registration or a user account. There is no login, no user-to-user messaging or matching feature, and no user-generated content or community feature on the Website.

3.2  The only ways the Website collects information from you are: (a) the Calculator described in Clause 5; and (b) the Contact Us page. Both are addressed in Clause 6.

Division of Assets

4.1  Division of Assets comprises Vestra’s Settlement Intelligence Report (SIR) and Court Intelligence Report (CIR), together with Affidavit Drafting Support, relating to the division of matrimonial assets. Division of Assets is available on both a business-to-business (B2B) basis, to law firms instructing Vestra on behalf of their clients, and a business-to-consumer (B2C) basis, to individuals engaging Vestra directly.

4.2  Client data associated with Division of Assets is hosted on Google Cloud Platform infrastructure located in Singapore and encrypted using AES-256 encryption, consistent with Clause 14.2.

4.3  The free public Calculator described in Clause 5 is provided free of charge and is distinct from the paid SIR and CIR.

Forensic Legal Evidencing

4.4  Forensic Legal Evidencing is an AI-assisted service in which Vestra converts unstructured source material into structured evidence to support a client’s legal matter, across the practice areas listed on the Website (currently Family, Litigation, and Crime). Forensic Legal Evidencing is available on both a B2B basis (to instructing law firms) and a B2C basis (to individuals directly). Vestra’s use of AI in this service is subject to Vestra’s AI Usage Policy.

4.5  Client data and evidencing materials associated with Forensic Legal Evidencing are hosted on Google Cloud Platform infrastructure located in Singapore and encrypted using AES-256 encryption, consistent with Clause 14.2.

4.6  Before any work begins on a Forensic Legal Evidencing engagement — for any case, in any of the practice areas referred to in Clause 4.3 — Vestra and the client shall agree and sign an evidencing brief as part of the individual services agreement or SLA for that engagement (see the introduction to this Clause 4). The evidencing brief acts as a scope of work document, setting out exactly what type of evidencing is required, so that the client understands and has agreed what will be done before Vestra commences. Vestra shall not commence work on the engagement until the evidencing brief has been agreed and signed by the client. On completion, Vestra delivers an evidencing bundle in accordance with the agreed brief, which may include Affidavit Drafting Support.

4.7  As with Division of Assets, Vestra does not provide legal advice and is not a law firm. Where Vestra is instructed by an individual directly (rather than via a law firm), Vestra strongly recommends that the individual is separately represented by, or seeks independent advice from, a qualified lawyer in relation to the underlying legal matter, particularly in litigation or criminal matters where the consequences of self-representation can be serious.

Asset Intelligence

4.8  Asset Intelligence is a pre- and post-divorce service that helps clients identify opportunities for structuring capital and assets following a divorce or separation.

4.9  Client data associated with Asset Intelligence is hosted on Google Cloud Platform infrastructure located in Singapore and encrypted using AES-256 encryption, consistent with Clause 14.2.

4.10  Vestra does not provide investment, financial, real estate, or other regulated advice as part of Asset Intelligence, and does not perform any regulated activity under the Securities and Futures Act 2001 or the Financial Advisers Act 2001. Vestra does not hold, and is not required to hold, a Capital Markets Services Licence or a Financial Adviser’s Licence, because Vestra does not recommend, arrange, deal in, or manage any specific investment, security, or financial product, and does not provide advice on the merits of any specific transaction.

4.11  Vestra maintains a network of independent, licensed professional partners — including financial advisers and real estate agents — selected and maintained through Vestra’s own due diligence process (for example, verification of licensing and standing). Vestra’s role under Asset Intelligence is to identify general opportunities and connect clients with an appropriate professional from this network. Vestra does not itself provide advisory or sales services, and does not act as agent for, or receive instructions on behalf of, any professional in the network.

4.12  Notwithstanding Vestra’s due diligence in selecting and maintaining its professional network, each referred professional remains solely responsible for the advice given, any recommendation made, and any transaction entered into with the client. Vestra is not a party to, and does not take responsibility for the outcome of, any engagement between the client and a referred professional.

4.13  Vestra does not, at any time, hold, control, or have access to client funds or assets as part of Asset Intelligence. All transactions and fund transfers occur directly between the client and the relevant licensed professional or institution.

4.14  Vestra may receive a referral fee or commission from a professional to whom a client is introduced. This does not change the fees payable by the client to that professional, and does not make Vestra responsible for that professional’s advice or conduct. Details of any referral fee arrangement relevant to a specific introduction will be disclosed to the client at the time of referral.

4.15  Clients remain responsible for their own final decision to engage any professional to whom they are connected, and for all decisions made in connection with Asset Intelligence. Vestra’s due diligence on its professional network is a factor a client may take into account, but does not amount to a guarantee, warranty, or endorsement of any individual professional’s advice, performance, or suitability for a client’s particular circumstances.

4.16  The Calculator applies Singapore legal principles and is intended for use only by individuals whose matter is governed by Singapore law; it is not intended for use by, and should not be relied upon by, individuals whose matter is governed by the law of another jurisdiction. Forensic Legal Evidencing and Asset Intelligence are not restricted to Singapore-related matters and may be provided in relation to matters in other jurisdictions, subject to Vestra’s ability to do so lawfully.

4.17  The Calculator and the Contact Us page are free to use. Division of Assets, Forensic Legal Evidencing, and Asset Intelligence are chargeable professional services: fees are agreed separately with each client before work begins (for example, in an Instruction Form or evidencing brief), and no fees are charged or collected through the Website itself.

5.1  The Calculator is a free, publicly accessible tool that provides an initial indicative estimate of asset division, designed using Singapore legal principles, including the Women’s Charter 1961 and relevant Singapore case law. It is a simplified tool, made available for general information purposes.

5.2  The Calculator is distinct from Vestra’s full AI-powered matrimonial calculator, which is used internally by Vestra only once a client engages Vestra’s paid Services, and which applies a more comprehensive methodology than the public Calculator. Because the two differ in sophistication and in the inputs considered, the indicative estimate shown by the public Calculator may differ from the analysis subsequently provided in a paid SIR or CIR.

5.3  The Calculator is not the same as, and does not replace, Vestra’s Settlement Intelligence Report (SIR) or Court Intelligence Report (CIR). The Calculator’s partial results are indicative only, are not verified, are not reviewed by Vestra personnel before being shown to you, and must not be relied upon as a substitute for professional legal advice or for a full SIR or CIR.

5.4  To view your partial results, you must provide your name, email address, and phone number. On submission, an automated email containing your partial results is sent to the email address provided. Vestra may subsequently use the contact details you provide to have one of Vestra’s consultants follow up with you about Vestra’s Services, in accordance with Clause 6 and Vestra’s Privacy Policy.

5.5  If the information you input into the Calculator includes personal data relating to another person (for example, a spouse or former spouse), you represent and warrant that you have a proper legal basis to provide that person’s information to Vestra for this purpose.

5.6  The methodology underlying the Calculator is Vestra’s proprietary and confidential information. You must not attempt to reverse-engineer, systematically query, scrape, or extract the Calculator’s underlying logic, weightings, or scoring methodology. Vestra’s use of AI in the Calculator is subject to Vestra’s AI Usage Policy.

6.1  Where the Calculator or the Contact Us page asks you to tick a box confirming your consent, that tickbox is the mechanism by which you provide consent under the PDPA to Vestra’s collection, use, and disclosure of your personal data as described in Vestra’s Privacy Policy, available at vestraassets.com/privacy-policy [confirm URL].

6.2  By ticking the consent box, you also separately consent to one of Vestra’s consultants contacting you by telephone call, SMS, or other messaging service (in addition to email) to follow up on your Calculator results and discuss Vestra’s Services, notwithstanding any registration of your telephone number with the Do Not Call Registry under the PDPA. This separate consent is required, in addition to general data protection consent, because telephone and SMS marketing is independently regulated under the PDPA’s Do Not Call Provisions.

6.3  You may withdraw your consent at any time by contacting Vestra using the details in Clause 17. Withdrawal of consent does not affect the lawfulness of anything done before you withdrew it.

6.4  Any marketing email Vestra sends you will include accurate sender information and a working unsubscribe mechanism, in accordance with the Spam Control Act 2007.

6.5  Full details of what personal data Vestra collects, how it is used, how long it is retained, and your rights under the PDPA are set out in Vestra’s Privacy Policy, which forms part of these Terms by reference.

7.1  All Content on the Website, including the Vestra name, logo, and the Calculator, is owned by or licensed to Vestra and is protected by copyright, trade mark, and other intellectual property laws. Nothing in these Terms transfers any such rights to you.

7.2  You may view and print pages from the Website for your own personal, non-commercial use. You must not reproduce, republish, distribute, or commercially exploit any Content without Vestra’s prior written consent.

7.3  You must not modify, create derivative works from, or reverse-engineer any part of the Website or the Calculator.

7.4  The proprietary methodologies underlying Vestra’s Services — including the Calculator (see Clause 5.5), Vestra’s forensic evidencing workflows, and Vestra’s approach to selecting and maintaining its Asset Intelligence professional network — constitute Vestra’s confidential information and trade secrets. Nothing on the Website discloses that underlying methodology, and this Clause 7 applies in addition to Clause 5.5.

7.5  “Vestra Assets”, the Vestra logo, and other Vestra trade marks must not be used, reproduced, or displayed without Vestra’s prior written consent, except to accurately refer to Vestra (for example, in a hyperlink).

7.6  If you submit any feedback, comments, or suggestions to Vestra (for example, via the Contact Us page), Vestra may use that feedback for any purpose without obligation or compensation to you.

8.1  You must not use the Website:

(a) in any way that is unlawful, fraudulent, or harmful;

(b) to attempt to gain unauthorised access to the Website or any systems or networks connected to it;

(c) to introduce any virus, malware, or other harmful code; or

(d) to scrape, systematically extract, or use automated means to access the Website or the Calculator, other than through normal browser use.

8.2  You are responsible for ensuring your own device and connection are adequately secured (e.g., up-to-date antivirus software) when accessing the Website.

9.1  Vestra is a forensic legal intelligence firm, not a law firm, and does not perform any regulated financial activity. Nothing on the Website, and no output from the Calculator, constitutes legal, financial, investment, real estate, or other professional or regulated advice, and no lawyer-client, advisor-client, or other professional relationship is created by your use of the Website, the Calculator, or the Contact Us page.

9.2  You should seek independent legal, financial, or other professional advice as appropriate before making any decision in relation to your matter. Where Vestra refers you to a third-party professional under Asset Intelligence (Clause 4), that professional — not Vestra — is responsible for any advice given.

10.1  The Website and the Calculator are provided for general information purposes. While Vestra takes reasonable care over the accuracy of Website Content, Vestra does not warrant that the Website or the Calculator’s partial results will be accurate, complete, or error-free, and does not warrant uninterrupted or error-free access to the Website.

10.2  Calculator results are indicative and partial only. They do not undergo the human review, forensic evidencing, or case law verification applied to a paid SIR or CIR, and must not be relied upon as a final or authoritative assessment of any matter.

10.3  Testimonials and case studies on the Website reflect the genuine experience of the clients described, given with their consent, and may be edited for length or clarity. Each matter is decided on its own facts: past results do not guarantee or predict the outcome of any other matter, and no testimonial or case study should be relied upon as a prediction of the outcome of your own matter.

10.4  Engaging any of Vestra’s Services does not guarantee any particular financial, legal, or other outcome. Outcomes depend on factors outside Vestra’s control, including the decisions of any court or tribunal, the conduct of other parties, and the advice or strategy adopted by the client’s own legal representatives.

10.5  General Website content describing Singapore legal principles, including references to the Women’s Charter 1961 or Singapore case law, is provided for general information only and must not be relied upon as legal research or legal advice. While Vestra updates its internal case law library on a regular basis, this does not mean that any Website content reflects the most current state of the law, and regular updating does not change the general-information-only nature of this content.

11.1  Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, or gross negligence, or any other liability that cannot lawfully be excluded or limited.

11.2  Subject to Clause 11.1, Vestra shall not be liable for any loss arising from your use of, or reliance on, the Website or the Calculator’s partial results, since the Website and Calculator are provided free of charge for general information purposes.

11.3  Subject to Clause 11.1, neither party shall be liable for any indirect, special, or consequential loss arising from these Terms.

11.4  Nothing in these Terms affects the separate liability terms that apply to Vestra’s paid Services, which are governed by the relevant services agreement between Vestra and its client (whether a law firm or an individual).

11.5  You agree to indemnify Vestra against any loss, claim, damage, or expense (including reasonable legal costs) arising from your breach of these Terms or misuse of the Website.

12.1  The Website may contain links to third-party websites for convenience. Vestra does not control, and is not responsible for, the content or privacy practices of any third-party website, and inclusion of a link does not imply endorsement.

12.2  Where Vestra refers or introduces you to a third-party professional under Asset Intelligence (Clause 4), Vestra is not responsible for that professional’s advice, conduct, fees, or services, and any engagement between you and that professional is a separate matter between you and them.

13.1  Vestra shall not be liable for any failure or delay in the operation of the Website caused by events beyond its reasonable control, including natural disasters, war, government action, epidemic or pandemic, internet or telecommunications failures, or cyberattack.

14.1  Vestra’s collection, use, and disclosure of personal data through the Website is governed by Vestra’s Privacy Policy, which is incorporated into these Terms by reference and available at vestraassets.com/privacy-policy [confirm URL].

14.2  Vestra hosts and processes data collected through the Website on Google Cloud Platform infrastructure located in Singapore, using AES-256 encryption, in accordance with the PDPA. Personal data collected via the Calculator and Contact Us page is used solely for the purposes described in Clause 5, Clause 6, and the Privacy Policy, and is not sold to third parties.

14.3  The Website uses Google Analytics to understand how visitors use the Website. Google Analytics uses cookies and may process data on servers located outside Singapore. Further detail, including how to opt out, is set out in Vestra’s Privacy Policy.

14.4  Vestra does not use personal data collected through the Website or the Calculator to train any AI or machine learning model, whether operated by Vestra or by any third-party AI provider. Further detail on Vestra’s use of AI, including the safeguards applied, is set out in Vestra’s AI Usage Policy, available at vestraassets.com/ai-usage-policy [confirm URL].

14.5  If a data breach affects personal data collected through the Website, Vestra will follow the breach notification process set out in Vestra’s Privacy Policy.

14.6  If you have any questions about your personal data or wish to withdraw consent, contact Vestra’s Data Protection Officer at [insert DPO contact].

15.1  A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any term of these Terms.

15.2  If any provision of these Terms is held unlawful, invalid, or unenforceable, that provision shall be severed and the remaining provisions shall continue in full force and effect.

15.3  A failure by Vestra to enforce any right under these Terms is not a waiver of that right.

15.4  These Terms, together with the Privacy Policy, constitute the entire agreement between you and Vestra in relation to your use of the Website.

16.1  These Terms are governed by the laws of Singapore. The parties submit to the exclusive jurisdiction of the Singapore courts. The parties will first seek to resolve any dispute by good-faith discussion, and if unresolved, by mediation, before resorting to litigation.

17.1  If you have any questions about these Terms, please contact Vestra at info@vestraassets.com, or via the Contact Us page at vestraassets.com.