Legal

Terms & Conditions

CONGRUENCE IN CLOSING
Operated by I&J Holdings LTD

Business Registration Number: 78135021
Address: Unit 1113, 11/F, Peninsula Centre, No. 67 Mody Road, Kowloon, Hong Kong
Effective Date: 26 January 2026

1. Introduction

Welcome to Congruence in Closing, a brand operated by I&J Holdings LTD (“we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website, services, content, and communications (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use our Services.

2. Changes to Terms

We reserve the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting. Continued use of the Services constitutes acceptance of the revised Terms.

3. Use of Services

You agree to use our Services only for lawful purposes and in compliance with all applicable laws and regulations. You agree not to misuse, interfere with, or attempt to gain unauthorized access to our systems or content.

4. Intellectual Property

All content, trademarks, logos, designs, videos, text, and materials provided through the Services are the property of I&J Holdings LTD or its licensors and are protected by applicable intellectual property laws. Unauthorized use is strictly prohibited.

5. Third-Party Services

Our Services may include links to third-party websites or tools. We are not responsible for the content, policies, or practices of any third-party services.

6. Disclaimers

The Services are provided on an “as-is” and “as-available” basis. We make no warranties, express or implied, regarding accuracy, reliability, or availability.

7. Limitation of Liability

To the maximum extent permitted by law, I&J Holdings LTD shall not be liable for any indirect, incidental, consequential, or special damages arising out of your use of the Services. Our total liability shall not exceed the amount paid by you (if any) in the preceding twelve (12) months.

8. Indemnification

You agree to indemnify and hold harmless I&J Holdings LTD, its directors, officers, employees, and agents from any claims or liabilities arising from your use of the Services or violation of these Terms.

9. Governing Law

These Terms are governed by the laws of Hong Kong. Any disputes shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

10. SMS Messaging (A2P Compliance)

SMS Use Cases

Informational messages related to on-demand training access
Follow-up communications related to requested content
Promotional or marketing messages only if explicit consent is provided

Opt-Out Instructions
Reply STOP to opt out. Reply HELP for assistance.

Message & Data Rates
Message and data rates may apply depending on your mobile carrier.

Carrier Disclaimer
Mobile carriers are not liable for delayed or undelivered messages.

Age Restriction
You must be at least 18 years old to opt in to receive SMS messages.

11. Contact Information

I&J Holdings LTD
Unit 1113, 11/F, Peninsula Centre
No. 67 Mody Road, Kowloon, Hong Kong
Email: iestyn@congruenceinclosing.com