Effective Date: 1 Jan 2019

Last updated: 13 March 2025 

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Welcome to COSMOMK (“COSMOMK”, “Company”, “we”, “our”, or “us”). These Terms of Use (“Terms”) govern your access to and use of the website located at www.cosmomk.com (“Website”), including all services, courses, consultation sessions, events, reports, digital materials, content, and solutions offered through the Website.

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By accessing or using this Website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and all applicable laws and regulations of Singapore. If you do not agree to these Terms, you must immediately cease using the Website.

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1. Eligibility and Legal Capacity

1.1 You must be at least eighteen (18) years of age to use this Website or purchase any products or services unless you have obtained consent from a parent or legal guardian.

1.2 By accessing or using this Website, you represent and warrant that:

• You possess the legal capacity and authority to enter into binding agreements;

• All information provided by you is accurate, complete, and current;

• Your use of the Website complies with all applicable laws and regulations.

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2. Nature of Services

2.1 COSMOMK provides educational, informational, consultation, research, coaching, analytical, and training-related services regarding numbers phenomena, personal development, business development, and related methodologies.

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2.2 Services available through the Website may include:

• Consultation and analysis sessions;

• Educational courses and workshops;

• Digital learning materials and content;

• Events and seminars;

• Reports 

• Other related products or services.

2.3 All content and services are provided solely for educational, informational, research, and personal development purposes.

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3. No Medical, Psychological, Legal, Financial or Professional Advice

3.1 COSMOMK does not provide medical, psychological, psychiatric, legal, accounting, financial, investment, or regulated professional advice.

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3.2 Any information, analysis, recommendations, reports, courses, consultation sessions, or solutions provided through the Website are not intended to:

• Replace professional medical or healthcare consultation;

• Constitute legal, financial, or investment advice;

• Guarantee personal, business, relationship, educational, or financial outcomes.

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3.3 You acknowledge and agree that:

• Individual interpretations and experiences may vary;

• Any reliance on the Website or services is at your own discretion and risk;

• You remain solely responsible for all decisions, actions, and outcomes arising from your use of the Website or services.

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4. User Conduct and Prohibited Use

4.1 You agree to use the Website lawfully and responsibly.

4.2 You shall not:

• Use the Website for unlawful, fraudulent, defamatory, abusive, or harmful purposes;

• Attempt to gain unauthorized access to the Website, systems, or databases;

• Introduce viruses, malware, malicious code, or harmful technology;

• Reverse engineer, interfere with, or disrupt the Website;

• Copy, reproduce, distribute, modify, or commercially exploit Website content without prior written consent;

• Misrepresent your identity or impersonate another person.

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4.3 COSMOMK reserves the right to suspend, restrict, or terminate access to the Website at its sole discretion where any misuse or breach of these Terms is suspected.

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5. Intellectual Property Rights

5.1 All intellectual property rights in the Website and its contents, including but not limited to:

• Text;

• Graphics;

• Logos;

• Videos;

• Software;

• Reports;

• Course materials;

• Research frameworks;

• Methodologies;

• Concepts;

• Designs;

• Branding;

• Numbers phenomena systems and analytical methods;

shall remain the exclusive property of COSMOMK or its licensors.

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5.2 Such materials are protected under the laws of Singapore, including the Copyright Act 2021, Trade Marks Act 1998, and applicable international intellectual property laws.

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5.3 No material from the Website may be reproduced, distributed, transmitted, displayed, published, sold, licensed, or otherwise exploited without prior written consent from COSMOMK.

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6. Payments, Bookings and Refunds

6.1 All prices displayed are subject to change without prior notice.

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6.2 Full payment may be required before confirmation of any booking, course enrolment, consultation session, or purchase.

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6.3 Unless otherwise expressly stated in writing:

• Payments are non-refundable;

• Courses and digital access rights are non-transferable;

• Consultation bookings are subject to scheduling availability;

• Missed appointments or late attendance may be deemed forfeited.

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6.4 COSMOMK reserves the right to reject, refuse, cancel, or suspend any order, registration, or booking at its sole discretion.

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6.5 Where refunds are provided at COSMOMK’s discretion, administrative charges, transaction fees, or consumed services may be deducted.

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7. Digital Content and Course Access

7.1 Access to digital content, online courses, reports, videos, or materials is granted solely to the registered user.

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7.2 You shall not:

• Share login credentials with third parties;

• Reproduce or distribute course materials;

• Upload or circulate materials on external platforms;

• Use materials for unauthorized commercial purposes.

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7.3 COSMOMK reserves the right to revoke access without refund where unauthorized sharing, piracy, infringement, or misuse is detected.

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7.4 COSMOMK may modify, update, discontinue, or remove any Website content, courses, features, or services at any time without liability.

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8. Testimonials and Results Disclaimer

8.1 Testimonials, examples, success stories, case studies, or user experiences displayed on the Website are illustrative only.

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8.2 Such testimonials do not constitute guarantees, warranties, or representations that similar outcomes will be achieved by any other individual.

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9. Third-Party Websites and External Links

9.1 The Website may contain links to third-party websites, applications, or platforms for convenience.

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9.2 COSMOMK does not control and shall not be responsible for:

• Third-party content;

• Security or privacy practices;

• Accuracy or reliability of information;

• Products or services offered by third parties.

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9.3 Accessing third-party websites is entirely at your own risk.

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10. Disclaimer of Warranties

10.1 The Website and all services are provided on an “as is” and “as available” basis.

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10.2 To the fullest extent permitted under Singapore law, COSMOMK disclaims all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including but not limited to:

• Merchantability;

• Fitness for a particular purpose;

• Accuracy or completeness;

• Non-infringement;

• Reliability or availability.

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10.3 COSMOMK does not warrant that:

• The Website will operate uninterrupted or error-free;

• Defects will be corrected;

• The Website or servers are free from viruses or harmful components.

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11. Limitation of Liability

11.1 To the fullest extent permitted by Singapore law, COSMOMK and its directors, officers, employees, consultants, affiliates, representatives, and agents shall not be liable for any:

• Direct or indirect loss;

• Consequential or incidental damages;

• Loss of profits, opportunities, goodwill, or data;

• Personal, business, emotional, or economic losses;

• Costs arising from reliance on Website content or services.

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11.2 This limitation applies whether arising in contract, tort, negligence, equity, statute, or otherwise.

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11.3 Where liability cannot legally be excluded under Singapore law, COSMOMK’s aggregate liability shall be limited to the amount paid by the user for the relevant product or service giving rise to the claim.

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12. Indemnity

You agree to indemnify and hold harmless COSMOMK, its officers, employees, affiliates, consultants, and representatives from and against any claims, liabilities, losses, damages, costs, and expenses (including legal fees on a full indemnity basis) arising out of:

• Your breach of these Terms;

• Your misuse of the Website;

• Your violation of applicable laws or third-party rights.

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13. Personal Data and Privacy

13.1 COSMOMK may collect, use, disclose, and process personal data in accordance with Singapore’s Personal Data Protection Act 2012 (“PDPA”).

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13.2 By using the Website, you consent to such collection, use, disclosure, and processing of personal data for purposes reasonably related to the provision of services, administration, communication, marketing, and business operations.

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13.3 Users should review the COSMOMK Privacy Policy for further details regarding data handling practices.

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14. Electronic Communications

14.1 By communicating with COSMOMK electronically, including via email, forms, messaging platforms, or the Website, you consent to receive electronic communications from COSMOMK.

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14.2 You agree that electronic communications satisfy any legal requirement for written communications under applicable law.

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15. Force Majeure

COSMOMK shall not be liable for any delay, interruption, or failure in performance resulting from events beyond its reasonable control, including but not limited to acts of God, pandemics, governmental actions, internet disruptions, cyberattacks, power failures, labour disputes, or technical failures.

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16. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable under Singapore law, such provision shall be severed and the remaining provisions shall remain in full force and effect.

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17. Waiver

No failure or delay by COSMOMK in exercising any right or remedy under these Terms shall constitute a waiver of such right or remedy.

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18. Entire Agreement

These Terms constitute the entire agreement between you and COSMOMK regarding the use of the Website and supersede all prior communications, representations, or agreements relating thereto.

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19. Amendments

COSMOMK reserves the right to modify, revise, or update these Terms at any time without prior notice.

Any revised Terms shall take effect immediately upon publication on the Website. Continued use of the Website after such publication constitutes acceptance of the revised Terms.

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20. Governing Law and Jurisdiction

20.1 These Terms shall be governed by and construed in accordance with the laws of the Republic of Singapore.

20.2 Any dispute arising out of or in connection with these Terms or the use of the Website shall be subject to the exclusive jurisdiction of the courts of Singapore.

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Contact Information

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COSMOMK PTE LTD
Website: www.cosmomk.com
Email: 1314@cosmomk.com 
Singapore