Terms & Conditions

These terms apply to everyone who uses The Risk Agent. If you buy a report, you also agree to the additional purchase terms below.

Who we are

The Risk Agent is published by Feltan Associates Pte Ltd, a private limited company registered in Singapore (UEN 202521028R). Business address and correspondence via the contact page.

What we sell

We sell digital research and intelligence reports. Reports are informational. They are not legal advice, regulatory advice, tax advice, medical advice or financial-planning advice. If you need professional advice on your specific situation, engage a regulated professional.

Your licence

When you buy a report you receive a non-exclusive, non-transferable licence to download and use the PDF for your own internal business or personal decision-making. You may not republish, resell, or train AI models on our reports without our written permission.

Our liability

We produce reports with professional care but we cannot guarantee they are complete or error-free, particularly in fast-moving domains. Our liability for any claim relating to a report is capped at the purchase price of that report. Nothing in these terms excludes liability we cannot lawfully exclude.

Acceptable use

Don't use the site to commit crime, launch denial-of-service attacks, scrape at scale, or impersonate anyone. We may suspend access if you do.

Changes

We may revise these terms. Material changes are flagged on the footer and dated at the top of this page. Continued use after changes means you accept them.

Governing law

These terms are governed by the laws of Singapore. Disputes are subject to the exclusive jurisdiction of the Singapore courts, except where mandatory consumer-protection law in your home jurisdiction applies.