TERMS OF USE

1. Introduction and Agreement to Terms These Terms of Use (“Terms”) govern your access to and use of yellowmute.com (the “Website”), operated by Yellowmute Asset Management PTE Ltd, a private limited company incorporated in Singapore (“Yellowmute”, “we”, “us”, “our”). By accessing or using the Website, you acknowledge and agree that: You have read, understood, and accepted these Terms; You are at least 18 years old; Your use of the Website is entirely at your own risk; You consent to the Website’s Privacy Policy; and You will comply with all applicable laws, regulations, and conditions governing your jurisdiction. If you do not agree to these Terms, you must discontinue the use of the Website immediately.

2. Nature of the Company and No Client Relationship

Yellowmute operates strictly as a proprietary-capital investment firm. We: do not solicit external funds; do not provide investment management to third-party clients; do not offer advisory, brokerage, or fiduciary services; do not accept deposits; do not operate as a licensed or regulated financial services provider under the Monetary Authority of Singapore (MAS). All Website content is for general informational and corporate-governance communication only and does not establish: a financial services relationship; a client-advisor relationship; any expectation of service provision; any offer or invitation to transact. No person should rely on information from this Website to make investment, trading, or financial decisions.

3. Disclaimer: No Advice, No Offers, No Financial Promotion

Nothing on this Website constitutes or should be construed as: investment advice; financial advice; legal, accounting, tax, or regulatory advice; an invitation or solicitation to invest; an offer to buy or sell securities or digital assets. Yellowmute does not provide recommendations regarding: cryptocurrencies, digital assets, securities, private-market instruments, infrastructure investments.

4. Eligibility and User Responsibilities You may use the Website only if: you are at least 18 years old; you are legally permitted to access the Website according to your local jurisdiction; you do not access the Website from any location where such access is prohibited. You agree not to: engage in unlawful, fraudulent, or malicious activities; copy, mirror, or scrape Website content; circumvent technical protections; probe, scan, or test Website security; upload malware, viruses, automated scripts, or harmful code; impersonate Yellowmute personnel; attempt unauthorized access to servers, systems, or networks. Yellowmute reserves the right to restrict or block access to the Website for security or compliance reasons.

5. Accuracy, Completeness, and Information Risk While we strive to provide accurate and up-to-date information, the Website may contain: technical inaccuracies, typographical errors, incomplete statements, outdated information, forward-looking assumptions that may not reflect current market conditions. You acknowledge and agree that: Website content is provided “as is”; Yellowmute does not guarantee the accuracy, completeness, or reliability of information; You should not rely on Website content as a basis for any decision.

6. Intellectual Property Rights All content on the Website, including: text, documents, descriptions, branding, logos, graphics, data structuring, formatting, diagrams, policy outlines, governance frameworks, software, code, and user interface elements. is the exclusive property of Yellowmute or its licensors. You are not permitted to, reproduce, distribute, modify, or republish Website materials; use Yellowmute branding without written consent; commercially exploit any content.

7. Third-Party Links and External Sources The Website may contain links to third-party websites, applications, or data sources. Yellowmute: does not control these external sites; does not endorse the content, accuracy, or reliability of third-party information; is not responsible for their security or privacy practices. Access to third-party sites is at your own risk.

8. Cybersecurity, System Integrity, and Operational Continuity Yellowmute implements security controls consistent with internal standards derived from: Data Governance Manual, Internal Controls Manual, Risk Management Framework, Cybersecurity requirements, Remote Governance Policy However, we do not guarantee: uninterrupted operation; secure transmission of data; absence of vulnerabilities; immunity to cyberattacks or malware. You assume all risks associated with data transmission and website use.

9. Cookies and Tracking Technologies We may use: strictly-necessary cookies; functional cookies; limited analytics cookies. We do not use advertising cookies or behavioral tracking. By using the Website, you consent to the use of cookies described in our Privacy Policy.

10. Data Protection and Privacy Your use of the Website is subject to our Privacy Policy, which incorporates: Singapore PDPA obligations, GDPR/UK-GDPR disclosure requirements (for international users), internal Data Governance rules, cross-border information-transfer safeguards.

11. Jurisdiction-Specific Disclaimers 11.1 Singapore Nothing on the Website constitutes financial promotion under MAS regulations. Yellowmute operates outside MAS licensing requirements as it manages only proprietary capital. 11.2 European Union & UK Content is not intended as: MiFID II investment advice, financial promotion, solicitation of clients. 11.3 United States The Website does not constitute: investment advice under the Investment Advisers Act; an offer of securities under SEC regulations.

12. Limitation of Liability To the fullest extent permitted by law, Yellowmute is not liable for: direct, indirect, incidental, or consequential losses; lost profits or revenue; data loss or corruption; cybersecurity breaches; reliance on Website information; delay, downtime, or inability to use the Website. You agree that your sole remedy is to stop using the Website.

13. Indemnification You agree to indemnify and hold harmless Yellowmute from any claims, liabilities, losses, or damages arising from: your use of the Website; your violation of these Terms; your breach of applicable laws.

14. Suspension and Termination Yellowmute may suspend or terminate Website access at any time without notice, including for: security risks, suspected malicious activity, operational issues, maintenance requirements, legal obligations.

15. Governing Law and Dispute Resolution These Terms are governed by the laws of Singapore. Any disputes shall be resolved exclusively by the courts of Singapore.

PRIVACY POLICY

1. Introduction
This Privacy Policy (“Policy”) explains how Yellowmute Asset Management PTE Ltd (“Yellowmute”, “we”, “us”, “our”) collects, uses, stores, discloses, and protects information when individuals interact with yellowmute.com (the “Website”).
Yellowmute operates exclusively as a proprietary-capital investment firm and does not provide services to external clients, does not solicit or manage third-party funds, and does not operate as a financial institution.
As such, we collect minimal information, processed solely for: Website functionality, cybersecurity, operational integrity, compliance with applicable law.
This Policy does not govern any customer relationship, because Yellowmute does not onboard, service, or maintain customers.
By accessing the Website, you consent to the practices described in this Policy.

2. Scope of This Policy
This Policy applies to: visitors of the Website, individuals who contact us voluntarily, users who interact with Website features.
This Policy does not apply to: employees (governed by internal HR & Data Governance policies), third-party vendors (governed by contractual arrangements), investment counterparties (governed by deal documentation)

3. Information We Collect
Yellowmute collects only the limited categories of information necessary to maintain Website security, ensure functionality, and respond to inquiries.
3.1 Information Automatically Collected
When you access the Website, our systems may automatically collect: IP address, browser and device information, operating system, pages visited, access timestamps, aggregated usage analytics, referring URLs, general geolocation (non-precise, country-level).
This data is processed without identifying you personally, unless required by law or security investigations.

3.2 Information You Voluntarily Provide
If you choose to contact us, you may voluntarily provide: name, email address, company name, message content.
We store and process this information exclusively for the purpose of responding to your inquiry.

3.3 Information We Do NOT Collect
Yellowmute does not collect: passport or ID documents, financial information, payment details, blockchain private keys or wallet credentials, sensitive personal data under GDPR, behavioral advertising profiles, biometric identifiers

4. How We Use Information
We use information solely for legitimate, proportionate, and operational purposes: Website Operation & Security, Communication & Inquiries, Compliance & Legal Obligations, Analytics & Performance. We do not use personal data for marketing, profiling, or advertising.

5. Legal Basis for Processing • Legitimate Interests • Consent • Legal Obligations

6. Cookies & Tracking Technologies
We use minimal cookies necessary for: security, functionality, session stability, aggregated analytics.

7. Data Sharing & Disclosure
We do not sell, rent, trade, or monetize personal data. Data may be shared only with: hosting providers, cybersecurity vendors, analytics processors, email service providers, law enforcement or regulators when required.

8. International Transfers of Data
Cross-border processing may occur. Safeguards applied: PDPA transfer rules, contractual protections, GDPR/UK-GDPR adequacy considerations, risk-based security assessments.

9. Data Retention
Data is retained only as long as necessary for: cybersecurity, operational logs, documentation integrity, responding to inquiries, legal compliance.

10. Data Security Measures
Yellowmute applies security controls aligned with: Data Governance Manual, Internal Controls Manual, Cybersecurity Protocols, Incident Reporting Policy, Risk Management Framework.

11. Your Rights
Depending on jurisdiction: access, correction, deletion, restriction, withdrawal of consent, cross-border transfer information.
Requests: info@yellowmute.com

12. Children’s Privacy
Not intended for individuals under 18. We do not knowingly collect data from minors.

13. Third-Party Websites
This Policy does not apply to external websites or platforms.

14. Changes to This Policy
Updated versions take effect upon posting. Continued use signifies acceptance.

15. Contact Information
For data-related requests & legal inquiries: info@yellowmute.com