Terms of Use

Last Updated: 18 July 2019

Terms of use

Accredify Pte. Ltd. (“us”, “we” or “our”) offer our Online Services to user(s) of the Sites (“you”) based on the Terms. By accessing and using our websites (any page on the accredify.io domain), including https://www.accredify.io/ and https://dashboard.accredify.io/ (collectively, “Sites”) and its Online Services in any way (including without limitation using any documents, data, reports, automated templates or any other materials, or accessing any software programs, database systems or portals made available or enabled via the Sites) you acknowledge and accept that your use of the Sites is subject to the terms as set out in (a) the Terms of Use and (b) the Data Protection Notice (collectively, the “Terms”) found on the Sites. If you do not agree to be bound by this Terms, you may not use the Sites in any way. Should the Terms conflict with any other documents, the Terms will prevail for the purposes of usage of the Sites.

We will at our sole discretion from time to time determine or specify the scope and features of the Online Services you may use on the Sites, any Online Content contained on the Sites and the Terms under which the Sites is used and are entitled to change, modify, expand, suspend, reduce, terminate or withdraw the same without prior warning or notice to you and without giving any reason thereof. We shall not be responsible or liable to you for any expense, loss, damage, liability or other consequence suffered by you or incurred by you in connection with any of the foregoing action. The updated Terms will be posted on the Sites and shall take effect from the date of posting. The continued use of our Sites following the posting of any changes to the Terms constitutes acceptance of those changes.

Disclaimer, Limitations and Exclusion of Liability

All information, text, design, graphics, logos, button icons, audio/video clips, digital downloads, data and data compilations, images, source codes, documents, reports, forms and all other materials contained in or accessed through the Sites, including the Online Questionnaires and Automated Documents (the “Online Content”) as well as any software programs, database systems, portals or links available or enabled on the Sites (the “Online Services” and collectively with Online Content, the “Content”) is provided on an "as is" and "as available" basis and we disclaim all representations or warranties of any kind, whether express, implied or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose and freedom from computer virus and other malicious code) in conjunction with such Content, or the Sites in general.

Any component of the Content provided by third parties is also delivered on an "as is" and "as available" basis and we will not be liable for any problems, non-delivery, defectiveness or non-performance encountered by you in your use or access (as the case may be) of such Content. We are not, and you agree we are not, responsible for such third parties and the provision by them of any Content. In addition, we do not necessarily endorse any contents of websites operated by third parties that are linked to or from the Sites or are accessible via the Sites.

The Content is by necessity, general in nature and is not intended as financial, regulatory, legal or other professional advice. In particular, the Content is provided for information purposes only and does not constitute nor should it be construed (where applicable) as investment advice or a recommendation to transact or engage in any investment activity.

While every effort has been made to ensure the accuracy, currency and/or functionality of the Content at the time of creation of the Sites, we cannot and do not warrant the truth, accuracy, adequacy, completeness, reasonableness, validity, fitness and/or functionality of any of the Content found on the Sites or any other websites linked to our Sites or reproduced with permission from other parties or that the Sites and the server is and will be free of viruses, and errors or omissions may occur.

Under no circumstances and regardless of the form of action and even if we had been advised as to the possibility of such damages shall we assume responsibility or liability to you or any party for:

a. any damages, losses, expenses or costs whatsoever (including without limitation, any direct, indirect, special, incidental or consequential damages, loss of profits or loss opportunity) arising in connection with your use of the Sites, or reliance on any Content provided at the Sites;

b. any failure of performance, system, server or connection failure, errors, omissions, interruption, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error, or unavailability of access in connection with your accessing the Sites or for any damages whether direct or indirect which may (i) arise from or in connection with reliance on the Content, (ii) result from the loss of use of the Content, or (iii) caused by a distributed denial-of-service attack, hacking attempt, viruses or other technologically damaging material that may infect your hardware equipment, software programs, data or other proprietary material as a result of the use of the Sites or your downloading any material from the Sites or any website linked to or from it; or

c. any matter relating to you or any third parties accessing or using the site or the Content.

The use of the Sites is solely and wholly at your own risk.

You acknowledge that the Internet and emails are generally insecure as a means of communication and as such, no confidential information should be provided to us as such disclosure will not be privileged or confidential.

User Content

Where you are able to and do upload, post, email, transmit (including by Short Message Service (SMS) text messages) or make available any information, data, text and/or other materials on any portion of the Sites (the "User Content"), you acknowledge and agree that you (and other users of the Sites), and not us, are solely and wholly responsible for the form, content and accuracy of all of such User Content and that we are not liable or assume the obligation for the deletion or accuracy of such User Content or for the failure to retain, transmit or receive transmission of such content.

In addition, we are not obliged to screen and/or filter User Content (including content made available by third parties on the Sites) prior to its availability on the Sites but we reserve the right in our sole discretion to refuse or remove any User Content or to remove any User Content that violates the Terms.

In relation to any User Content which you transmit to us using the Sites, you hereby grant to us a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such User Content for any purpose it deems necessary, desirable or expedient including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

You agree that we shall not be under any obligation of confidentiality to you regarding any such User Content transmitted to us using the Sites unless agreed otherwise in a separate direct contract between you and us or required by law.

No Illegal or Harmful Uses

You may not use the Sites or transmit, distribute, link, market, publish, display or sell all information, data, text, messages or other materials (“Materials”) which are harmful in nature or in violation of any laws or regulations (foreign or domestic) or to commit, engage in, perpetuate or abet any breach of security, fraud, criminal act, offence.

The kinds of illegal or harmful conduct which are prohibited include but are not limited to the following:

(a) impersonating or falsely stating or otherwise misrepresenting your affiliation with any person or entity;

(b) forging headers or otherwise manipulating any identifying information in order to disguise and/or with the effect of disguising the origin of any Materials transmitted through the Sites;

(c) transmitting Materials that are unlawful, libellous, defamatory, indecent, harassing, threatening, harmful, invasive of privacy or publicity rights, abusive, inflammatory or otherwise objectionable;

(d) infringement of intellectual property rights or other proprietary rights including, but not limited to, material protected by copyright, trademark, patent, trade secret or other intellectual property right used without proper authorisation;

(e) offering or disseminating fraudulent goods, services, schemes, or promotions;

(f) fraudulent submission or use of personal or financial information or engaging in any practice that constitutes an unfair or deceptive trade practice;

(g) transmitting any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;

(h) transmitting any Materials that you do not have a right to transmit under any law or under any contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); or

(i) "stalking" or otherwise harassing another person; or

(j) transmitting Materials with recommendations to buy or refrain from buying a particular capital markets product or investments product or which otherwise have the purpose of affecting the price or value of any capital markets products or investments products.

We reserve the right to restrict or prohibit any and all activities, conduct or Materials (or delete, move or edit the same) that we determine in our sole discretion may be harmful to our systems, network, reputation, good will, our other customers, or any third party.

Risks

You acknowledge that your use of the Sites may, at any time, be adversely affected by problems with your computer (or such other access or electronic device including but not limited to cellular telephones, smart phones and PDAs), the Internet and the cellular phone network, including, without limitation, interference to the network coverage, undeliverable messages or delay in transmission due to any reason such as excessive network traffic, service interruption or incorrect data transmission.

We may contract with one or more third parties to provide, maintain and host Content on the Sites. Therefore, any Materials which you transmit may be placed and stored on a computer server maintained by a third party. You acknowledge that such Materials could pass through and may be stored in servers outside our control. You agree that we have no liability or responsibility for any such pass through or storage of the same.

You consent to the collection, storage, communication and processing of any of your Materials by any means necessary for us to maintain appropriate transaction and account records and to the release and transmission to and the retention by the relevant third party service providers and hosts of your information to enable your use of the Sites.

You acknowledge that all transmissions (whether by email or otherwise) to and from the Sites cannot be guaranteed to be completely secure or error-free and the same could arrive late, be intercepted, corrupted, lost, destroyed, or incomplete, or contain viruses and may not be received by the intended recipient. Consequently, you understand that you should not post or transmit any private or confidential Materials (whether yours or the recipient’s) unless you want it to be available publicly. You are aware that the Materials transmitted by you may be subsequently forwarded to a third party by the recipient. You further understand that as we cannot control or prevent the transmission of your private or confidential Materials by a third party, we cannot be responsible or held liable for the same. Accordingly, we do not warrant the privacy and/or security of any transmissions (whether by email or otherwise) to and from the Sites.

Document Automation Services

You acknowledge and agree that the download and/or use of any documents generated from the automated templates available on our Sites (the "Online Questionnaires") does not constitute any financial, regulatory, legal, tax or other professional advice and that such questionnaires and corresponding documents (the "Automated Documents") do not take into account the context of your particular transaction.

We grant you a limited, personal, non-exclusive, non-transferable licence to use our Online Questionnaires and Automated Documents for personal and/or internal business use only (including to view, download, copy and print the Automated Documents for such use as we have authorised). Except as otherwise provided, by downloading the Automated Documents, you further acknowledge and agree that you shall not modify, edit, reproduce, reverse engineer, or create derivative works of or sell or redistribute for commercial purposes or exploit in any other manner, such Online Questionnaires and Automated Documents apart from filling out such questionnaires and completing the Automated Documents for the purposes of your authorised use. In particular, where provided, you shall not modify, alter or remove our logos, copyright and trademark notices appearing on any of the Online Questionnaires or Automated Documents.

Certain components of our Online Services may be provided by third parties. You agree that your access to such services (comprising among others our Document Automation Services) is also subject to and further conditioned on your accepting and abiding by the separate terms of use, privacy policies, and other policies posted on the third party sites and such terms and conditions found therein shall apply equally to you as if you were a customer of such third parties.

Acceptable Use

As a condition of use, you agree that you shall not use the Sites or any part thereof of it for any purpose prohibited by the Terms or applicable law. You shall not (and shall not permit any third party to):

a. distribute, modify, copy, publish, transmit, display, sell, license, use, reuse or create derivative works of any of the Content of or material displayed on the Sites for any public or commercial purpose without our written consent;

b. interfere with (or attempt to interfere with) the proper functioning of the Sites or use the Sites in any way not expressly permitted by the Terms;

c. engage in (or attempt to engage in) any potentially harmful or damaging acts directed against us or the Sites, including without limitation, violating any security features of the Sites, using such means (whether automated or manual) to access, 'scrape', or 'crawl' (or by any other similar means) any pages contained within the Sites, introducing viruses, worms or similar harmful or damaging software or code into the side, or interfere with the use of the Sites by any other use, host, or networks, including by means of 'flooding', 'spamming', or 'crashing' the Site;

d. attempt to change, add to, remove, deface, hack or otherwise interfere with the Sites or any material or Content displayed on the Sites; or

e. access or use the Sites in any way that could or is intended to damage or impair the Sites, or any server or network underlying the Sites, or interfere with anyone else’s use and enjoyment of the Sites.

You are eligible to use the Online Services offered by us only if you satisfy the following:

a. You agree to abide by and comply with the Terms at all times;

b. You promptly maintain and update said information so as to ensure its accuracy at all times;

c. You have provided all information we require in connection with your registration, and that this information is accurate, complete and current; and

d. You agree that the use of our Online Services and your registration with us shall be conditional at all times on your complying and observing these Terms.

Accuracy of Content

While we may use reasonable efforts to include accurate and up-to-date information on our Sites, we make no warranties or representations as to its accuracy, timeliness or completeness.

The information may contain typographical errors, pricing errors, and other errors or inaccuracies, and it will be corrected as soon as practicable.

We reserve the right to:

a. Revoke any stated offer;

b. Adjust and/or restrict the amount of information that you are entitled to view on the Sites;

c. Correct any errors, inaccuracies or omission; and

d. Make changes to prices, content, promotion offers, product descriptions or specifications, or other information without obligation to issue any notice of such changes (including after an order has been submitted, acknowledged, shipped or received). We also reserve the right to limit quantities (including after an order has been submitted and/or acknowledged) and to revise, suspend or terminate an event, promotion at any time without notice. The inclusion of any Online Services on our Sites at a particular time does not guarantee that the Online Services will be available.

Ownership

Except as otherwise expressly stated herein, all Content is owned by or licensed to us and subject to copyright protection by Singapore and international copyright laws and/or other laws. The Content may not be reproduced, duplicated, sold, transmitted or distributed, sold, adapted, published, broadcasted or otherwise exploited for any commercial purpose in whole or in part in any manner without our prior written consent.

You are granted a limited, non-sublicensable licence (revocable at any time) to access and use the Sites and the Content for non-commercial and personal use only. Such licence is subject to these Terms and further does not allow the use of any data gathering, harvesting or extraction methods whether automatic or manual. No framing or “mirroring” of the Sites, any part thereof, or any Content contained in our Sites on any other server, website or webpage or creation or insertion of any hypertext links or deep links between the Sites and any other website is allowed except with our prior written consent.

We reserve the right, without notice and in our sole discretion, to terminate your licence to use the Sites, and to block or prevent your future access to the Sites.

Where information/material is reproduced from elsewhere, copyright in respect of these works remain with their respective owners.

Copyright and Trademark Notices

All trade marks, service marks and logos used in our Sites are our property and/or the respective third party proprietors identified in the Sites. No licence or right is granted and your access to the Sites and/or use of the Online Services should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trade marks, service marks or logos appearing on the Sites without our prior written consent or the relevant third party proprietor thereof. Save and except with our prior written consent, no such trade mark, service mark or logo may be used as a hyperlink or to mark any hyperlink to any of our Sites or any other website.

Hyperlinks

For your convenience and for information purposes, we may include hyperlinks to the Sites on the Internet that are owned or operated by third parties. Such linked websites are not under the control of us and we cannot accept responsibility or any expenses, losses, costs damages, liabilities or other consequences for the contents of or the consequences of accessing any linked website or any link contained in a linked website. Furthermore, the hyperlinks provided in the Sites shall not be considered or construed as an endorsement, warranty or verification of such linked websites or the contents therein by us. You agree that your access to and/or use of such linked websites is entirely at your own risk and subject to the terms and conditions of access and/or use contained therein.

Indemnity

You hereby agree to indemnify and save us harmless against all damages, losses, expenses and costs (including legal costs) suffered or incurred by us in connection with or arising from (a) your access of the Sites and/or use of the Online Services, or (b) any other party's access of the Sites and/or use of the Online Services using your user id and/or login password, (c) your breach of any of these Terms, or (d) any other party's breach of any of these Terms where such party was able to access the Sites and/or use the Online Services by using your user id and/or login password.

Credit Card Payment

In a credit card transaction, you must use your own credit card. We and our associated/affiliated businesses will not be liable for any credit card fraud. The liability for any fraudulent use of a credit card will be on the user and the onus to prove otherwise shall be exclusively on the user.

Identifying You

We may introduce new or different forms of authentication service(s) when you use our Online Services. We may replace the authentication service(s) from time to time without prior notice to you.

Termination

We may terminate this agreement governed by the Terms, your access to the Sites and use of any Online Services described at the Sites at any time, with or without cause or notice.

Waiver

No failure or delay by us in exercising or enforcing any right, power, privilege or option under the Terms shall operate as a waiver thereof or limit, prejudice or impair our right to take any action or to exercise any right as against you or render us responsible for any loss or damage arising therefrom.

Severability

If any part of the Terms is found by any court or other competent authority to be invalid, unlawful or unenforceable then such part shall be severed from the remainder of the Terms which shall continue to be valid and enforceable to the fullest extent permitted by law.

Assignment of Rights

You may not assign any of your rights under these Terms, and any such attempt will be void. We may assign our rights to any of our holding company, affiliates, or subsidiaries, or to any successor in interest of any business associated with the Online Services.

Miscellaneous

The Content contained in or accessed through the Sites shall not be considered or construed to be business, legal, regulatory, financial or tax or any other professional advice, an invitation, offer or solicitation to sell, buy, give, take, issue, allot, transfer, or as the giving of any advice in respect of capital markets products or investment products in any jurisdiction.

The Content herein are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice.

We may terminate your access to the Sites and/or your use of the Online Services at any time without notice and without assigning any reason therefor.

Third Party Rights

A person who is not a party to any agreement governed by the Terms has no right under the Contracts (Rights of Third Parties) Act (Chapter 53B) to enforce or enjoy the benefit of any terms herein.

Governing Law and Jurisdiction

Nothing herein shall be construed as a representation by us that the Content contained in or accessed through the Sites is appropriate or available for use in geographic areas or jurisdictions other than Singapore. By accessing the Sites and/or using the Online Services, you agree that such access and/or use, as well as the Terms shall be governed by, and construed in accordance with, the laws of Singapore and you agree to submit to the exclusive jurisdiction of the Singapore courts.

If you do not agree with the above, please direct your browser elsewhere immediately.

For more information, please contact us at contact@Accredify.io.

Last Updated on 18 July 2019.

Terms of Use - Backers

Last Updated: July 31, 2018

These terms apply to your access to and use of Accredify Dashboard and Platform (collectively, "Accredify", "we", or "us") and any services made available through Accredify. By using Accredify, by supplying any information, or by clicking the "Create a new account" button, or by using the services, you accept and agree to be bound and abide by these Terms of Use. Before we accept certain types of information from you, you may be required to acknowledge that you understand how we will use that information. If you do not want to agree to any acknowledgement or these Terms of Use, you must not access Accredify Dashboard ("Dashboard").

These Terms of Use and any terms expressly incorporated herein ("Terms") apply to your access to and use of the Accredify Dashboard and allow you to establish an account as described in these Terms (collectively, our "Services"). Accredify does not provide users with the ability to trade digital tokens or any forms of legal tender.

Accredify reserves the right to change or modify the terms and conditions contained in these Terms, including but not limited to any policy or guideline of Accredify, at any time and at its sole discretion. We will provide notice of these changes by posting the revised Terms to Accredify and changing the "Last Updated" date at the top of the Terms, or by emailing users at their provided email addresses, or by any other means as determined by Accredify. The decision of which notification chosen will be left to Accredify's sole discretion. Using a particular form of notice in some instances does not obligate us to use the same form in other instances. Any changes or modifications will be effective immediately upon posting the revisions to these Terms of Use or at the instant that Accredify transmits the information to the users (e.g. via email). These changes will apply at that instant to all then current and subsequent uses of Accredify. You waive any right you may have to receive specific notice of such changes or modifications. Your continued use of Accredify acts as acceptance of such changes or modifications. If you do not agree to the Terms in effect when you access or use Accredify, you must stop using Accredify.

Section A: Accredify Dashboard

1. Accessing the Dashboard

By accessing or using Accredify, you represent and warrant that you: (a) are at least 18 years; (b) have not previously been suspended or removed from using our Services; (c) have full power and authority to enter into this agreement and in doing so will not violate any other agreement to which you are a party; and (d) will not use our Services if any applicable laws in your country prohibit you from doing so in accordance with these Terms. Finally, you represent and warrant that you will not be using this site for any illegal activity, including but not limited to money laundering and the financing of terrorism.

2. Registration and Accounts

In order to access and use the Services, you must create an account with Accredify (an "Account"). You agree to: (a) provide accurate, current and complete information when creating the account; (b) maintain and promptly update your Account information to keep it accurate, complete, and current; (c) maintain the security and confidentiality of your login credentials and restrict access to your Account and your computer; (d) promptly notify Accredify if you discover or otherwise suspect any security breaches related to Accredify; and (e) take responsibility for all activities that occur under your Account and accept all risks of unauthorized access.

3. Account Security

We reserve the right to withdraw or amend Dashboard, all or any portion of the functionality provided by Accredify, and any Service or material we provide on Accredify, in our sole discretion without notice. We will not be liable if for any reason all or any portion of Accredify is unavailable at any time or for any period. From time to time, we may restrict access to users to some parts of Accredify, to certain Accounts or the whole of Accredify, including registered users.

You are responsible for:

  • Making all arrangements necessary for you to have access to Accredify.
  • Ensuring that any person who accesses Accredify through your internet connection is aware of these Terms and comply with them.
  • Maintaining and promptly update your Account information.
  • Maintaining the security of your Account by protecting your password and not allowing anyone else to use your Account.
  • All activities that occur through your Account, and you accept all risks of any authorized use or unauthorized access to your Account, to the maximum extent permitted by law.
  • Treating your username, password and multi-factor authentication access credentials as confidential, and you must not disclose them to any other person or entity. You acknowledge that your account is personal to you and agree not to provide any other person with access to Accredify or portions of it using your user name, password, or other security information.
  • Notifying us immediately of any unauthorized access to or use of your user name or password or any other breach of security.
  • Ensuring that you exit from your account at the end of each session. You should not access your account from a public or shared computer to avoid allowing others to view or record your password or other personal information.

We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms. Accredify may, in its sole discretion, limit the number of Accounts that you may hold, maintain or acquire.

4. Acceptable Use

When accessing or using the Services, you agree that you will not violate any law, contract, intellectual property or other third-party right or commit a tort, and that you are solely responsible for your conduct while using our Services. Without limiting the generality of the foregoing, you agree that you will not:

  • Use our Services in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying our Services, or that could damage, disable, overburden or impair the functioning of our Services in any manner;
  • Use our Services to pay for, support or otherwise engage in any illegal gambling activities, fraud, money-laundering, or terrorist activities, or other illegal activities;
  • Use any robot, spider, crawler, scraper or other automated means or interface not provided by us to access our Services or to extract data;
  • Use or attempt to use another user's account without authorization;
  • Attempt to circumvent any content filtering techniques we employ, or attempt to access any service or area of our Services that you are not authorized to access;
  • Develop any third-party applications that interact with our Services without our prior written consent;
  • Provide false, inaccurate, or misleading information; and
  • Encourage or induce any third party to engage in any of the activities prohibited under this Section.

In order to access and use the Services and receive any information as part of the Services, you must have a computer with an internet connection that has a current web browser with cookies enabled and 128-bit encryption. You must also have a valid email address on file with Accredify and have sufficient storage space to retain any information you receive from Accredify.

Section B: Additional Legal Terms

1. Electronic Notices

You agree and consent to receive electronically all communications, agreements, documents, receipts, notices and disclosures (collectively, "Communications") that Accredify provides in connection with your Account and/or use of Accredify Services. You agree that any notices, agreements, disclosures or other communications that we send to you electronically will satisfy any legal communication requirements, including, but not limited to, that such communications be in writing. You agree that Accredify may provide these Communications to you by posting them via the Services, by emailing them to you at the email address you provide, and/or by sending an SMS or text message to a mobile phone number that you provide. Your carrier's normal, messaging, data and other rates and fees may apply to any mobile Communications. You should maintain copies of electronic Communications by printing a paper copy or saving an electronic copy. You may also contact us through support email contact@Accredify.io to request additional electronic copies of Communications.

You may withdraw your consent to receive electronic Communications by sending a withdrawal notice to support email contact@Accredify.io. If you decline or withdraw consent to receive electronic Communications, Accredify may suspend or terminate your use of the Services.

It is your responsibility to keep your email address and/or mobile phone number on file with Accredify up to date so that Accredify can communicate with you electronically. You understand and agree that if Accredify sends you an electronic Communication but you do not receive it because your email address or mobile phone number on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Accredify will be deemed to have provided the Communication to you. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add Accredify to your email address book so that you will be able to receive the Communications we send to you. You can update your email address, mobile phone number or street address at any time by logging into your Account or by sending such information to support email contact@Accredify.io. If your email address or mobile phone number becomes invalid such that electronic Communications sent to you by Accredify are returned, Accredify may deem your account to be inactive, and you may not be able to complete any transaction via our Services until we receive a valid, working email address or mobile phone number from you.

2. Third-Party Content

In using our Services, you may view content provided by third parties, including articles, reviews, comments, insights, analysis and links to web pages of such parties, including but not limited to blogs, forums, communities and social networks. We do not control or approve any Third-Party Content and shall have no responsibility for Third-Party Content, including without limitation material that may be misleading, incomplete, erroneous, offensive, indecent or otherwise objectionable. We are not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings, and you understand that your use of Third-Party Content, and your interactions with third parties that are linked to our Service, is at your own risk.

3. No Offer

Neither these Terms nor any other document or information publicly available on Accredify without going through your Account and the purchase process, constitute an offer or solicitation to sell securities. None of the information or analyses presented are intended to form the basis for any investment decision, and no specific recommendations are intended. Accordingly, these Terms do not constitute investment advice or counsel or solicitation for investment in any security and shall not be construed in that way. These Terms do not constitute or form part of, and should not be construed as, any offer for sale or subscription of, or any invitation to offer to buy or subscribe for, any securities. Accredify expressly disclaims any and all responsibility for any direct or consequential loss or damage of any kind whatsoever arising directly or indirectly from: (i) reliance on any information contained in the platform, (ii) any error, omission or inaccuracy in any such information or (iii) any action resulting therefrom.

4. No Advice

Accredify is not acting and cannot act as an advisor, including as to any financial, legal, investment, insurance and/or tax matters. Any information provided by Accredify is for general information only. You are solely responsible for determining whether any contemplated transaction is appropriate for you.

The information presented on or through Accredify is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to Accredify, or by anyone who may be informed of any of its contents.

Accredify may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

5. Indemnity

You agree to defend, indemnify and hold harmless Accredify (and each of our current and future officers, directors, members, employees, agents, parent companies, subsidiaries and affiliates) from any claim, demand, action, damage, loss, cost or expense, including without limitation reasonable attorneys' fees, arising out or relating to (a) your use of, or conduct in connection with, our Services; (b) any Feedback you provide; (c) your violation of these Terms; or (d) your violation of any rights of any other person or entity. If you are obligated to indemnify us, we will have the right, in our sole discretion, to control any action or proceeding (at our expense) and determine whether we wish to settle it. You agree to promptly notify us of any third party Claims and cooperate with us in defending such Claims.

6. Discontinuance of Services

We may, in our sole discretion and without liability to you, with or without prior notice and at any time, modify or discontinue, temporarily or permanently, all or any portion of our Services.

7. Feedback

We will own exclusive rights, including all intellectual property rights, to any feedback, suggestions, ideas or other information or materials regarding Accredify or our Services that you provide, whether by email, posting through our Services or otherwise ("Feedback"). Any Feedback you submit is non-confidential and shall become the sole property of Accredify. We will be entitled to the unrestricted use and dissemination of such Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you. You waive any rights you may have to the Feedback (including any copyrights or moral rights). Do not send us Feedback if you expect to be paid or want to continue to own or claim rights in the Feedback. We also have the right to disclose your identity to any third party who is claiming that any content posted by you constitutes a violation of their intellectual property rights, or of their right to privacy. We have the right to remove any posting you make on our Accredify if, in our opinion, your post does not comply with the content standards set out in this section.

8. Right to Amend

We have the right to change or add to the terms of this Agreement at any time, and to change, delete, discontinue, or impose conditions on use of the Services by posting such changes on our website or any other website we maintain or own. We may provide you with Notice of any changes through the Dashboard, via email, or through other means. Your use of the Services, API, or Data after we publish any such changes on our website, constitutes your acceptance of the terms of the modified Agreement. You can access a copy of the current terms of this Agreement on our website at any time. You can find out when this Agreement was last changed by checking the "Last Updated" date at the top of the Agreement.

9. Force Majeure

Neither party will be liable for any delays in processing or other non-performance caused by telecommunications, utility, failures, or equipment failures; labour strife, riots, war, or terrorist attacks; non-performance of our vendors or suppliers, fires or acts of nature; or any other event over which the respective party has no reasonable control. However, nothing in this section will affect or excuse your liabilities or your obligation to pay Fees, Fines, Disputes, Refunds, Reversals, or Returns under this Agreement.

10. Your Liability For Third-Party Claims Against Us

Without limiting, and in addition to, any other obligation that you may owe under this Agreement, you are at all times responsible for the acts and omissions of your employees, contractors and agents, to the extent such persons are acting within the scope of their relationship with you.

You agree to defend Accredify, our affiliates, and their respective employees, agents, and service providers (each a "Accredify Entity") against any claim, suit, demand, loss, liability, damage, action, or proceeding (each, a "Claim") brought by a third party against a Accredify Entity, and you agree to fully reimburse the Accredify Entities for any Claims that results from: (i) your breach of any provision of this Agreement or; (ii) negligent or wilful misconduct of your employees, contractors, or agents.

11. No Warranties

WE PROVIDE THE SERVICES AND Accredify IP "AS IS" AND "AS AVAILABLE", WITHOUT ANY EXPRESS, IMPLIED, OR STATUTORY WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, OR ANY OTHER TYPE OF WARRANTY OR GUARANTEE. NO DATA, DOCUMENTATION OR ANY OTHER INFORMATION PROVIDED BY Accredify OR OBTAINED BY YOU FROM OR THROUGH THE SERVICES – WHETHER FROM Accredify OR ANOTHER Accredify ENTITY, AND WHETHER ORAL OR WRITTEN – CREATES OR IMPLIES ANY WARRANTY FROM A Accredify ENTITY TO YOU.

THE Accredify ENTITIES DISCLAIM ANY KNOWLEDGE OF, AND DO NOT GUARANTEE: (a) THE ACCURACY, RELIABILITY, OR CORRECTNESS OF ANY DATA PROVIDED THROUGH THE SERVICES; (b) THAT THE SERVICES WILL MEET YOUR SPECIFIC BUSINESS NEEDS OR REQUIREMENTS; (c) THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, OR WILL FUNCTION IN AN UNINTERRUPTED MANNER OR BE SECURE; (d) THAT Accredify WILL CORRECT ANY DEFECTS OR ERRORS IN THE SERVICE, API, DOCUMENTATION, OR DATA; OR (e) THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL CODE. USE OF DATA YOU ACCESS OR DOWNLOAD THROUGH THE SERVICES IS DONE AT YOUR OWN RISK – YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY, LOSS OF DATA, OR ANY OTHER LOSS THAT RESULTS FROM SUCH ACCESS OR DOWNLOAD. YOU UNDERSTAND THAT THE Accredify ENTITIES MAKE NO GUARANTEES TO YOU REGARDING TRANSACTION PROCESSING TIMES OR PAYOUT SCHEDULES.

NOTHING IN THIS AGREEMENT OPERATES TO EXCLUDE, RESTRICT OR MODIFY THE APPLICATION OF ANY IMPLIED CONDITION, WARRANTY OR GUARANTEE, OR THE EXERCISE OF ANY RIGHT OR REMEDY, OR THE IMPOSITION OF ANY LIABILITY UNDER LAW WHERE TO DO SO WOULD: (A) CONTRAVENE THAT LAW; OR (B) CAUSE ANY TERM OF THIS AGREEMENT TO BE VOID.

12. Limitation of Liability

Under no circumstances will any Accredify Entity be responsible or liable to you for any indirect, punitive, incidental, special, consequential, or exemplary damages resulting from your use or inability to use the Services or for the unavailability of the Services, for lost profits, personal injury, or property damage, or for any other damages arising out of, in connection with, or relating to this Agreement or your use of the Services, even if such damages are foreseeable, and whether or not you or the Accredify Entities have been advised of the possibility of such damages. The Accredify Entities are not liable, and deny responsibility for, any damages, harm, or losses to you arising from or relating to hacking, tampering, or other unauthorized access or use of the Services, your Accredify Account, or Data, or your failure to use or implement anti-fraud measures, Security Controls, or any other data security measure. The Accredify Entities further deny responsibility for all liability and damages to you or others caused by (a) your access or use of the Services inconsistent with the Documentation; (b) any unauthorized access of servers, infrastructure, or Data used in connection with the Services; (c) interruptions to or cessation of the Services; (d) any bugs, viruses, or other harmful code that may be transmitted to or through the Services; (e) any errors, inaccuracies, omissions, or losses in or to any Data provided to us; (f) third-party content provided by you; or (g) the defamatory, offensive, or illegal conduct of others.

You agree to limit any additional liability not disclaimed or denied by the Accredify Entities under this Agreement to your direct and documented damages; and you further agree that under no circumstances will any such liability exceed in the aggregate the amount of Fees paid by you to Accredify during the three-month period immediately preceding the event that gave rise to your claim for damages.

These limitations on our liability to you will apply regardless of the legal theory on which your claim is based, including contract, tort (including negligence), strict liability, or any other theory or basis.

We provide the Services from facilities in the Republic of Singapore. We do not claim, and we cannot guarantee that Services we provide from the Republic of Singapore are or will be appropriate or available for any other location or jurisdiction, comply with the Laws of any other location or jurisdiction, or comply with Laws governing export, import, or foreign use.

13. Responding to Legal Process

Accredify may respond to and comply with any writ of attachment, lien, levy, subpoena, warrant, or other legal order ("Legal Process") that we believe to be valid. We may subject to the terms of our Privacy Policy, any Data as required under such Legal Process, even if you are receiving Data on behalf of other parties. Where permitted by Law, we will make reasonable efforts to provide you Notice of such Legal Process by sending a copy to the email address we have on file for you. Accredify is not responsible for any losses, whether direct or indirect, that you may incur as a result of our response or compliance with a Legal Process.

14. Dispute Resolution; Agreement to Arbitrate

a. Binding Arbitration: Any dispute, controversy or claim arising out of or relating to this contract, including the formation, interpretation, breach or termination thereof, including whether the claims asserted are arbitrable, will be referred to and finally determined by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of the SIAC for the time being in force, which rules are deemed to be incorporated by reference in this clause. The Tribunal shall consist of one arbitrator. Unless the parties agree upon an arbitrator, either party may request a nomination from the Chairman of the SIAC. The place of the arbitration will be Singapore. The language to be used in the arbitral proceedings will be English. Judgment upon the award rendered by the arbitrator may be entered by any court having jurisdiction thereof.

This Agreement and the rights of the parties hereunder shall be governed and construed in accordance with the laws of Singapore, exclusive of conflict or choice of law rules. Nothing in this section will preclude the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.

b. Service of Process: Each party hereby irrevocably and unconditionally consents to service of process through personal service at their corporate headquarters or, registered address. Nothing in this Agreement will affect the right of any party to serve process in any other manner permitted by Law.

c. Class Waiver: To the fullest extent permitted by Law, each of the parties agrees that any dispute arising out of or in connection with this Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to this Agreement or any of the transactions contemplated between the parties.

d. Provision of an Award: Subject to the limitations of liability identified in this Agreement, the appointed arbitrators may award monetary damages and any other remedies allowed by Law. In making a determination, the arbitrator will not have the authority to modify any term or provision of this Agreement. The arbitrator will deliver a reasoned written decision with respect to the dispute (the "Award") to each party, who will promptly act in accordance with the Award. Any Award (including interim or final remedies) may be confirmed in or enforced by any court having jurisdiction over either party or its assets. The decision of the arbitrator will be final and binding on the parties, and will not be subject to appeal or review.

e. Fees: Each party will advance one-half of the fees and expenses of the arbitrators, the costs of the attendance of the arbitration reporter at the arbitration hearing, and the costs of the arbitration facility. In any arbitration arising out of or related to this Agreement, the arbitrators will award to the prevailing party, if any, the costs and attorneys' fees reasonably incurred by the prevailing party in connection with those aspects of its claims or defences on which it prevails, and any opposing awards of costs and legal fees awards will be offset.

f. Confidentiality: The parties will maintain the confidential nature of the arbitration proceeding, the hearing and the Award, except (i) as may be necessary to prepare for or conduct the arbitration hearing on the merits, (ii) in connection with a court application as contemplated above for a preliminary remedy, or confirmation of an Award or its enforcement, (iii) our disclosure of the Award in confidential settlement negotiations, or (iv) as otherwise required by applicable Laws. The parties, witnesses, and arbitrator will treat as confidential and will not disclose to any third person (other than witnesses or experts) any documentary or other evidence produced in any arbitration hereunder, except as required by Law or except if such evidence was obtained from the public domain or was otherwise obtained independently from the arbitration.

g. Conflict of Rules: In the case of a conflict between the provisions of this Section E.11.g and the rules governing arbitration identified in Section E.11.a, the provisions of this Section E.11.g will prevail. If any provision of this Agreement to arbitrate is held invalid or unenforceable, it will be so held to the minimum extent required by Law and all the other provisions will remain valid and enforceable.

15. Entire Agreement

This Agreement and all policies and procedures that are incorporated by reference constitute the entire agreement between you and Accredify for provision and use of the Services. Except where expressly stated otherwise in a writing executed between you and Accredify, this Agreement will prevail over any conflicting policy or agreement for the provision or use of the Services. This Agreement sets forth your exclusive remedies with respect to the Services. If any provision or portion of this Agreement is held to be invalid or unenforceable under Law, then it will be reformed and interpreted to accomplish the objectives of such provision to the greatest extent possible, and all remaining provisions will continue in full force and effect.

16. Cumulative Rights, Construction, Waiver

The rights and remedies of the parties under this Agreement are cumulative, and either party may enforce any of its rights or remedies under this Agreement, along with all other rights and remedies available to it at Law, or in equity. No provision of this Agreement will be construed against any party on the basis of that party being the drafter. Unless expressly stated otherwise, the use of the term "including" or "such as" is not to be interpreted as limiting the generality of the text preceding the term. The failure of either party to enforce any provision of this Agreement will not constitute a waiver of that party's rights to subsequently enforce the provision.

17. Survival

All provisions of this Agreement that give rise to a party's ongoing obligation will survive termination of this Agreement.

18. Language

The parties hereby acknowledge that they have required this Agreement and all related documents to be drawn up in the English language.

Services Agreement – Project Owners

Last Updated: July 31, 2018

This Accredify Services Agreement ("Agreement") is a legal agreement between Accredify Pte. Ltd. ("Accredify", "us", or "we") and the entity or person ("you", "your", or "user") who registered to receive certain data, technology and analytics services, and other business services that may be offered by Accredify and its affiliates (each, a "Service"). This Agreement describes the terms and conditions that apply to your use of the Services.

If you do not understand any of the terms of this Agreement, please contact us before using the Services.

You may not access or use any Services unless you agree to abide by all of the terms and conditions in this Agreement.

Section A: General Terms

1. Overview of this Agreement

This Agreement provides a general description of the Services that Accredify may provide to you, including those that allow you to conduct an Initial Token Offering, Token Generation Event, and similar offerings (collectively "ITO"s) for purchasers of your tokens to your organization (your "Backers"). We provide you with a more detailed description of the Services and additional resources we make available to you on our website.

Before using the Services, you must register with Accredify to create an account (a "Accredify Account").

Section A describes the process of registering for and using your Accredify Account.

Section B describes your use of the Services.

Section C describes proper handling, management, and use of data generated during your use of the Services, including your Backers' data.

Finally, Section D describes your liability to Accredify for all losses connected with your Accredify Account, your agreement to resolve all disputes with Accredify by arbitration and not in a lawsuit, and other legal terms that apply to you.

2. Your Accredify Account

a. Registration and Permitted Activities: Only businesses, bona fide charitable organizations, and other entities or persons located in Singapore are eligible to apply for a Accredify Account to use the Services described in this Agreement. Accredify and its affiliates may provide Services to you or your affiliates in other countries or regions under separate agreements.

To register for a Accredify Account, you or the person or people submitting the application (your "Representative") must provide us with your business or trade name, address, email, phone number, business and/or tax identification number, URL, the nature of your business or activities, and certain other information about you that we require. We may also collect personal information (including name, birthdate, and government-issued identification number) about your beneficial owners, principals, and your Accredify Account administrator. Until you have submitted, and we have reviewed and approved, all required information, your Accredify Account will be available to you on a preliminary basis only, and we may terminate it at any time and for any reason.

b. Business Representative: You and your Representative individually affirm to Accredify that your Representative is authorized to provide the information described in this Section A.2 on your behalf and to bind you to this Agreement. We may require you or your Representative to provide additional information or documentation demonstrating your Representative's authority. Without the express written consent of Accredify, neither you nor your Representative may register or attempt to register for a Accredify Account on behalf of a user Accredify previously terminated from use of the Services.

c. Validation and Underwriting: At any time during the term of this Agreement and your use of the Services, we may require additional information from you to verify beneficial ownership or control of the business, validate information you provided, verify you or your Representative's identity, and assess the risk associated with your business. This additional information may include business invoices, copies of government-issued identification, business licenses, or other information related to your business, its beneficial owners or principals.

You authorize us to retrieve information about you from our service providers and other third parties, including credit reporting agencies and information bureaus and you authorize and direct such third parties to compile and provide such information to us. You acknowledge that this may include your name, addresses, credit history, and other data about you or your Representative. You acknowledge that we may use your information to verify any other information you provide to us, and that any information we collect may affect our assessment of your overall risk to our business. You acknowledge that in some cases, such information may lead to suspension or termination of your Accredify Account. Accredify may periodically update this information as part of our underwriting criteria and risk analysis procedures.

d. Changes to Your Business, Keeping your Accredify Account Current: You agree to keep the information in your Accredify Account current. You must promptly update your Accredify Account with any changes affecting you, the nature of your business activities, your Representatives, beneficial owners, principals, or any other pertinent information. We may suspend your Accredify Account or terminate this Agreement if you fail to keep this information current. You also agree to promptly notify us in writing no more than three days after any of the following occur: you are the subject of any voluntary or involuntary bankruptcy or insolvency application, petition or proceeding, receivership, or similar action (any of the foregoing, a "Bankruptcy Proceeding"); there is an adverse change in your financial condition; there is a planned or anticipated liquidation or substantial change in the basic nature of your business; you transfer or sell 25% or more of your total assets, or there is any change in the control or ownership of your business or parent entity; or you receive a judgment, writ or warrant of attachment or execution, lien or levy against 25% or more of your total assets.

3. Your Relationship with Your Backers

You may only use the Services for legitimate ITO for your Backers. You know your Backers better than we do, and you are responsible for your relationship with them. Accredify is not responsible for the tokens you publicize or sell, or that your Backers purchase using the Services. You affirm that you are solely responsible for the nature and quality of the tokens you provide.

4. Fees and Fines

Accredify will provide the Services to you at the rates and for the fees ("Fees") described on the Pricing page, linked here and incorporated into this Agreement. We may revise the Fees at any time.

You are also obligated to pay all taxes, fees a nd other charges imposed by any governmental authority ("Taxes"), including any value added tax, goods and services tax, provincial sales tax and/or harmonized sales tax on the Services provided under this Agreement. If you are tax-exempt, you will provide us with an appropriate certificate or other evidence of tax exemption that is satisfactory to us.

5. Services and Accredify Account Support

We will provide you with support to resolve general issues relating to your Accredify Account and your use of the Services.

You are solely responsible for providing support to Backers regarding sales, refunds, and any other issues related to your tokens and business activities. We are not responsible for providing support for the Services to your Backers.

6. Taxes and Other Expenses

Our fees are exclusive of any applicable Taxes, except as expressly stated to the contrary. You have sole responsibility and liability for: (i) determining what, if any, Taxes apply to the sale of your tokens, or payments you receive in connection with your use of the Services; and (ii) assessing, collecting, reporting, and remitting Taxes for your business to the appropriate tax and revenue authorities. If we are required to withhold any Taxes, or we are unable to validate any tax-related identification information you provide to us, we may deduct such Taxes from amounts otherwise owed and pay them to the appropriate taxing authority. If you are exempt from payment of such Taxes, you must provide us with an original certificate that satisfies applicable legal requirements attesting to your tax-exempt status. Upon our reasonable request, you must provide us with information regarding your tax affairs.

We may send documents to you and tax authorities for ITOs processed using the Services. Specifically, pursuant to applicable Law, we may be required to file periodic informational return with taxing authorities in relation to your use of the Services.

7. Service Requirements, Limitations and Restrictions

a. Compliance with Applicable Laws: You must use the Services in a lawful manner, and must obey all laws, rules, and regulations ("Laws") applicable to your use of the Services and to the conduct of ITOs. As applicable, this may include compliance with domestic and international Laws related to the use or provision of financial services, notification and consumer protection, unfair competition, privacy, and false advertising, and any other Laws relevant to ITOs.

b. Prohibited Businesses and Activities: You may not use the Services to enable any person (including you) to benefit from any activities Accredify has identified as a prohibited project or activity (collectively, "Prohibited Projects"). Prohibited Projects include use of the Services in or for the benefit of a country, organization, entity, or person embargoed or blocked by any government, including those on sanctions lists identified by Singapore.

Please review the list of Prohibited Projects at thoroughly before registering for and opening a Accredify Account. If you are uncertain whether a category of business or activity is prohibited or have questions about how these restrictions apply to you, please contact us. We may add to or update the Prohibited Project List at any time.

c. Other Restricted Activities: You may not use the Services to facilitate illegal ITOs or to permit others to use the Services for personal, family or household purposes. In addition, you may not allow, and may not allow others to: (i) access or attempt to access non-public Accredify systems, programs, data, or services; (ii) copy, reproduce, republish, upload, post, transmit, resell, or distribute in any way, any data, content, or any part of the Services, Documentation, or our website except as expressly permitted by applicable Laws; (iii) act as service bureau or pass-through agent for the Services with no added value to Backers; (iv) transfer any rights granted to you under this Agreement; (v) work around any of the technical limitations of the Services or enable functionality that is disabled or prohibited; (vi) reverse engineer or attempt to reverse engineer the Services except as expressly permitted by Laws; (vii) perform or attempt to perform any actions that would interfere with the normal operation of the Services or affect use of the Services by our other users; or (ix) impose an unreasonable or disproportionately large load on the Service.

8. Suspicion of Unauthorized or Illegal Use

We may refuse, condition, or suspend any ITOs that we believe: (i) may violate this Agreement or other agreements you may have with Accredify; (ii) are unauthorized, fraudulent or illegal; or (iii) expose you, Accredify, or others to risks unacceptable to Accredify. If we suspect or know that you are using or have used the Services for unauthorized, fraudulent, or illegal purposes, we may share any information related to such activity with the appropriate financial institution, regulatory authority, or law enforcement agency consistent with our legal obligations. This information may include information about you, your Accredify Account, your Backers, and ITOs made through your use of the Services.

9. Disclosures and Notices; Electronic Signature Consent

a. Consent to Electronic Disclosures and Notices: By registering for a Accredify Account, you agree that such registration constitutes your electronic signature, and you consent to electronic provision of all disclosures and notices from Accredify ("Notices"), including those required by Law. You also agree that your electronic consent will have the same legal effect as a physical signature.

b. Methods of Delivery: You agree that Accredify can provide Notices regarding the Services to you through our website or through the Dashboard (as defined below), or by mailing Notices to the email or physical addresses identified in your Accredify Account. Notices may include notifications about your Accredify Account, changes to the Services, or other information we are required to provide to you. You also agree that electronic delivery of a Notice has the same legal effect as if we provided you with a physical copy. We will consider a Notice to have been received by you within 24 hours of the time a Notice is either posted to our website or emailed to you.

c. SMS and Text Messages: You authorize us to provide Notices to you via text message to allow us to verify your or your Representative's control over your Accredify Account (such as through two-step verification), and to provide you with other critical information about your Accredify Account. Standard text or data charges may apply to such Notices. Where offered, you may disable text message notifications in the Dashboard by responding to any such message with "STOP", or by following instructions provided in the message. However, by disabling text messaging, you may be disabling important Security Controls (as defined below) on your Accredify Account and may increase the risk of loss to your business.

d. Requirements for Delivery: It should come as no surprise to you that you will need a computer or mobile device, Internet connectivity, and an updated browser to access your Dashboard and review the Notices provided to you. If you are having problems viewing or accessing any Notices, please contact us and we can find another means of delivery.

e. Withdrawing Consent: Due to the nature of the Services, you will not be able to begin using the Services without agreeing to electronic delivery of Notices. However, you may choose to withdraw your consent to receive Notices electronically by terminating your Accredify Account.

10. Termination

a. Term and Termination: This Agreement is effective upon the date you first access or use the Services and continues until terminated by you or Accredify. If you use the Services again or register for another Accredify Account, you are consenting to this Agreement. We may terminate this Agreement or close your Accredify Account at any time for any reason by providing you Notice. We may suspend your Accredify Account, or terminate this Agreement, if (i) we determine in our sole discretion that you are ineligible for the Services because of significant fraud or credit risk, or any other risks associated with your Accredify Account; (ii) you use the Services in a prohibited manner or otherwise do not comply with any of the provisions of this Agreement; (iii) any Law; or (iv) we are otherwise entitled to do so under this Agreement.

b. Effects of Termination: Termination does not immediately relieve you of obligations incurred by you under this Agreement. Upon termination, you agree to (i) stop accepting contributions to current ITO, and (ii) immediately remove all Accredify logos from your website. Your continued or renewed use of the Services after all Termination serves to renew your consent to the terms of this Agreement.

In addition, upon termination you understand and agree that (i) all licenses granted to you by Accredify under this Agreement will end; (ii) we reserve the right (but have no obligation) to delete all of your information and account data stored on our servers; (iii) we will not be liable to you for compensation, reimbursement, or damages related to your use of the Services, or any termination or suspension of the Services or deletion of your information or account data; and (iv) you are still liable to us for any Fees or fines, or other financial obligation incurred by you or through your use of the Services prior to termination.

Section B: Accredify Dashboard

1. Dashboard

You may manage your Accredify Account, connect with other service providers, and enable additional features through the Accredify management dashboard ("Dashboard"). The features of the Dashboard may be updated and can be accessed on our Features page. We may add to or update the Features List at any time.

2. Ownership of Accredify IP

Accredify and its licensors exclusively own all rights, title, and interest in the patents, copyrights (including rights in derivative works), moral rights, rights of publicity, trademarks or service marks, logos and designs, trade secrets, and other intellectual property embodied by, or contained in the API, Services, Dashboard, and Documentation (collectively, "Accredify IP") or any copies thereof. Accredify IP is protected by copyright, trade secret, patent, and other intellectual property Laws, and all rights in Accredify IP not expressly granted to you in this Agreement are reserved.

You may choose to or we may invite you to submit comments or ideas about improvements to the Service, our API, our platform, or any other component of our products or services ("Ideas"). If you submit an Idea to us, we will presume that your submission was voluntary, unsolicited by us, and delivered to us without any restrictions on our use of the Idea. You also agree that Accredify has no fiduciary or any other obligation to you in connection with any Idea you submit to us, and that we are free to use your Ideas without any attribution or compensation to you.

3. License

You are granted a non-exclusive and non-transferable license to electronically access and use the Accredify IP only in the manner described in this Agreement. Accredify does not sell to you, and you do not have the right to sublicense the Accredify IP. We may make updates to the Accredify IP or new Services available to you automatically as electronically published by Accredify, but we may require action on your part before you may use the Accredify IP or new Services (including activation through the Dashboard, or acceptance of new or additional terms). Accredify may revoke or terminate this licence at any time if you use Accredify IP in a manner prohibited by this Agreement.

You may not: (i) claim or register ownership of Accredify IP on your behalf or on behalf of others; (ii) sublicense any rights in Accredify IP granted by us; (iii) import or export any Accredify IP to a person or country in violation of any country's export control Laws; (iv) use Accredify IP in a manner that violates this Agreement or Laws; or (v) attempt to do any of the foregoing.

4. Accredify Marks; References to Our Relationship

We may make certain Accredify logos or marks ("Accredify Marks") available for use by you and other users to allow you to identify Accredify as a service provider. To use Accredify Marks, you must first agree to the Accredify Trademark and Copyright Usage Agreement. Accredify may limit or revoke your ability to use Accredify Marks at any time. You may never use any Accredify Marks or Accredify IP consisting of trademarks or service marks without our express permission, or in a manner that may lead people to confuse the origin of your products or services with ours.

During the term of this Agreement, you may publicly identify us as the provider of the Services to you and we may publicly identify you as a Accredify user. If you do not want us to identify you as a user, please contact us. Neither you nor we will imply any untrue sponsorship, endorsement, or affiliation between you and Accredify. Upon termination of your Accredify Account, both you and Accredify will remove any public references to our relationship from our respective websites.

5. Content

You may use the Services to upload or publish text, images, and other content (collectively, "Content") to your Accredify Account and to third-party sites or applications but only if you agree to obtain the appropriate permissions and, if required, licenses to upload or publish any such Content using the Services. You agree to fully reimburse Accredify for all fees, fines, losses, claims, and any other costs we may incur that arise from publishing illegal Content through the Services, or claims that Content you published infringes the intellectual property, privacy, or other proprietary rights of others.

Section C: Data Usage, Privacy, and Security

1. Data Usage Overview

Protecting, securing, and maintaining the information processed and handled through the Services is one of our top priorities, and it should be yours too. This section describes our respective obligations when handling and storing information connected with the Services. The following terms used in this section relate to data provided to Accredify by you or your Backers, or received or accessed by you through your use of the Services:

"Personal Data" means information, whether true or not, about a specific person (not a company, legal entity, or machine) who can be identified from that information, or from that information and other information that an organization has or is likely to possess, and is transmitted to or accessible through the Services.

"Accredify Data" means details of the ITO over Accredify infrastructure, information used in fraud detection and analysis, aggregated or anonymized information generated from Data, and any other information created by or originating from Accredify or the Services.

"User Data" means information that describes your business and its operations, your tokens, and contributions placed by Backers.

The term "Data" used without a modifier means all Personal Data, User Data, Contribution Data, and Accredify Data.

Accredify processes, analyses, and manages Data to: (a) provide Services to you, other Accredify users, and Backers; (b) mitigate fraud, financial loss, or other harm to users, Backers and Accredify; and (c) analyse, develop and improve our products, systems, and tools. Accredify provides Data to third-party service providers, including Identity Verification Providers, Risk Management Database Providers, and their respective affiliates, as well as to Accredify's affiliates, to allow us to provide Services to you and other users. We do not provide Personal Data to unaffiliated parties for marketing their products to you. You understand and consent to Accredify's use of Data for the purposes and in a manner consistent with this Section D.

2. Data Protection and Privacy

a. Confidentiality: Accredify will only use User Data as permitted by this Agreement, by other agreements between you and us, or as otherwise directed or authorized by you. You will protect all Data you receive through the Services, and you may not disclose or distribute any such Data, and you will only use such Data in conjunction with the Services and as permitted by this Agreement or by other agreements between you and us. Neither party may use any Personal Data to market to Backers unless it has received the express consent from a specific Backer to do so. You may not disclose Contribution Data to others except in connection with ITO requested by Backers and consistent with applicable Laws.

b. Privacy: Protection of Personal Data is very important to us. Our Privacy Policy explains how and for what purposes we collect, use, retain, disclose, and safeguard the Personal Data you provide to us. You agree to review the terms of our Privacy Policy, which we update from time to time.

You affirm that you are now and will continue to be compliant with all applicable Laws governing the privacy, protection, and your use of Data that you provide to us or access through your use of the Services. You also affirm that you have obtained all necessary rights and consents under applicable Laws to disclose to Accredify – or allow Accredify to collect, use, retain, and disclose – any Personal Data that you provide to us or authorize us to collect, including Data that we may collect directly from Backers using cookies or other similar means. As may be required by Law and in connection with this Agreement, you are solely responsible for disclosing to Backers that Accredify processes ITO for you and may receive Personal Data from you. Additionally, where required by Law, we may delete or disconnect a Backer's Personal Data from your Accredify Account when requested to do so by the Backer.

Accredify will provide some or all of the Service from systems located outside of Singapore. As such, it is your obligation to disclose to your Backers that Contribution Data may be transferred, processed and stored outside of Singapore and, as set forth in our Privacy Policy, may be subject to disclosure as required by applicable Laws, and to obtain from your Backers all necessary consents under applicable Laws in relation to the foregoing.

If we become aware of an unauthorized acquisition, disclosure or loss of Backer Personal Data on our systems, we will notify you consistent with our obligations under applicable Law. We will also notify you and provide you sufficient information regarding the unauthorized acquisition, disclosure or loss to help you mitigate any negative impact on the Backer.

c. Data Processing. Accredify will at all times comply with the provisions of applicable data protection law. If Accredify processes any Personal Data on your behalf when performing its obligations under this Agreement, Accredify and you both agree that it is intended that you shall be the data controller and we shall be the data intermediary in relation to that data. We shall process the Personal Data only in accordance with the terms of this Agreement and any lawful instructions reasonably given by you to us from time to time and not for any other purpose. This will include having appropriate technical and organizational measures to protect the Personal Data that is processed and only retaining the Personal Data for as long as it is required for the purposes it was collected for, or for any other legal or business purposes. As data intermediary, Accredify is entitled to appoint sub-processors for parts of its processing of personal data, provided however, that the sub-processor assumes the same obligations as are imposed on Accredify as data intermediary.

You acknowledge that Accredify is reliant on you for direction as to the extent to which we are entitled to use and process the Personal Data that you provide to us. Consequently, we will not be liable for any claim brought by a data subject arising from any action or omission by us, to the extent that such action or omission resulted from your instructions.

d. Data Requests. We will notify you (within a reasonable time frame) if we receive a request from a person to have access to that person's Personal Data, a complaint or request relating to your obligations under applicable data protection Laws, or any other communication relating directly to the processing of any Personal Data in connection with this Agreement.

Accredify will provide you with reasonable co-operation and assistance in relation to any complaint or request made in respect of any Personal Data processed by us on your behalf, including by providing you with details of the complaint or request, complying with any data subject access, rectification or deletion requests (within the relevant timescales set out in applicable data protection legislation) and providing you with any Personal Data we hold in relation to a person making a complaint or request (again, within a reasonable timescale).

3. Security and Fraud Controls

a. Accredify's Security: Accredify is responsible for protecting the security of Data in our possession. We will maintain commercially reasonable administrative, technical, and physical procedures to protect User Data and Personal Data stored in our servers from unauthorized access, accidental loss, modification, or breach, and we will comply with applicable Laws when we handle User and Personal Data. However, no security system is impenetrable and we cannot guarantee that unauthorized parties will never be able to defeat our security measures or misuse any Data in our possession. You provide User Data and Personal Data to Accredify with the understanding that any security measures we provide may not be appropriate or adequate for your business, and you agree to implement Security Controls (as defined below) and any additional controls that meet your specific requirements. In our sole discretion, we may take any action, including suspension of your Accredify Account, to maintain the integrity and security of the Services or Data, or to prevent harm to you, us, Backers, or others. You waive any right to make a claim against us for losses you incur that may result from such actions we may take to prevent such harm.

b. Your Security: You are solely responsible for the security of any Data on your website, your servers, in your possession, or that you are otherwise authorized to access or handle. You will comply with applicable Laws when handling or maintaining User Data and Personal Data, and will provide evidence of your compliance to us upon our request. If you do not provide evidence of such compliance to our satisfaction, we may suspend your Accredify Account or terminate this Agreement.

c. Security Controls: You are responsible for assessing the security requirements of your business, and selecting and implementing security procedures and controls ("Security Controls") appropriate to mitigate your exposure to security incidents. We may provide Security Controls as part of the Services, or suggest that you implement specific Security Controls. However, your responsibility for securing your business is not diminished by any Security Controls that we provide or suggest, and if you believe that the Security Controls we provide are insufficient, then you must separately implement additional controls that meet your requirements. You may review some of the details of our Security Controls on our website.

d. Fraud Risk: While we may provide or suggest Security Controls, we cannot guarantee that you or Backers will never become victims of fraud. Any Security Controls we provide or suggest may include processes or applications developed by Accredify, its affiliates, or other companies. You agree to review all the Security Controls we suggest and choose those that are appropriate for your business to protect against unauthorized ITO and, if appropriate for your business, independently implement other security procedures and controls not provided by us. If you disable or fail to properly use Security Controls, you will increase the likelihood of unauthorized ITO, Disputes, fraud, losses, and other similar occurrences. We may assist you with recovering lost funds, but you are solely responsible for losses due to lost or stolen credentials or accounts, compromise of your username or password, and any other unauthorized use or modification of your Accredify Account. Accredify is not liable or responsible to you and you waive any right to bring a claim against us for any losses that result from the use of lost or stolen credentials or unauthorized use or modification of your Accredify Account, unless such losses result from Accredify's wilful or intentional actions. Further, you will fully reimburse us for any losses we incur that result from the use of lost or stolen credentials or accounts.

We may also provide you with Data regarding the possibility or likelihood that an ITO may be fraudulent. We may incorporate any subsequent action or inaction by you into our fraud model, for the purpose of identifying future potential fraud. You understand that we provide this Data to you for your consideration, but that you are ultimately responsible for any actions you choose to take or not take in relation to such Data.

Section D: Additional Legal Terms

1. Right to Amend

We have the right to change or add to the terms of this Agreement at any time, and to change, delete, discontinue, or impose conditions on use of the Services by posting such changes on our website or any other website we maintain or own. We may provide you with Notice of any changes through the Dashboard, via email, or through other means. Your use of the Services, API, or Data after we publish any such changes on our website, constitutes your acceptance of the terms of the modified Agreement. You can access a copy of the current terms of this Agreement on our website at any time. You can find out when this Agreement was last changed by checking the "Last Updated" date at the top of the Agreement.

2. Assignment

You may not assign this Agreement, any rights or licenses granted in this Agreement, or operation of your Accredify Account to others without our prior written consent. If you wish to make such an assignment, please contact us. If we consent to the assignment, the assignee must agree to assume all of your rights and obligations owed by you related to the assignment, and must agree to comply with the terms of this Agreement. Accredify may assign this Agreement without your consent or any other restriction. If we make an assignment, we will provide reasonable Notice to you.

3. Right to Audit

If we believe that a security breach, leak, loss, or compromise of Data has occurred on your systems, website, or app affecting your compliance with this Agreement, we may require you to permit a third-party auditor approved by us to conduct a security audit of your systems and facilities, and you must fully cooperate with any requests for information or assistance that the auditor makes to you as part of the security audit.

4. No Agency; Third-Party Services

Except as expressly stated in this Agreement, nothing in this Agreement serves to establish a partnership, joint venture, or other agency relationship between you and us. Each party to this Agreement is an independent contractor.

We may reference or provide access to third-party services, products, and promotions that utilize, integrate, or provide ancillary services to the Services ("Third-Party Services"). These Third-Party Services are provided for your convenience only and do not constitute our approval, endorsement, or recommendation of any such Third-Party Services for you. You access and use any Third-Party Service based on your own evaluation and at your own risk. You understand that your use of any Third-Party Service is not governed by this Agreement. If you decide to use a Third-Party Service, you will be responsible for reviewing, understanding and accepting the terms and conditions associated with its use. We expressly disclaim all responsibility and liability for your use of any Third-Party Service. Please also remember that when you use a Third-Party Service, our Privacy Policy is no longer in effect. Your use of a Third-Party Service, including those that have a link on our website, is subject to that Third-Party Service's own terms of use and privacy policies.

5. Force Majeure

Neither party will be liable for any delays in processing or other non-performance caused by telecommunications, utility, failures, or equipment failures; labour strife, riots, war, or terrorist attacks; non-performance of our vendors or suppliers, fires or acts of nature; or any other event over which the respective party has no reasonable control. However, nothing in this section will affect or excuse your liabilities or your obligation to pay Fees, Fines, Disputes, Refunds, Reversals, or Returns under this Agreement.

6. Your Liability For Third-Party Claims Against Us

Without limiting, and in addition to, any other obligation that you may owe under this Agreement, you are at all times responsible for the acts and omissions of your employees, contractors and agents, to the extent such persons are acting within the scope of their relationship with you.

You agree to defend Accredify, our affiliates, and their respective employees, agents, and service providers (each a "Accredify Entity") against any claim, suit, demand, loss, liability, damage, action, or proceeding (each, a "Claim") brought by a third party against a Accredify Entity, and you agree to fully reimburse the Accredify Entities for any Claims that results from: (i) your breach of any provision of this Agreement; (ii) negligent or wilful misconduct of your employees, contractors, or agents; or (iii) contractual or other relationships between you and Backers.

7. Representations and Warranties

By accepting the terms of this Agreement, you represent and warrant that: (a) you are eligible to register and use the Services and have the authority to execute and perform the obligations required by this Agreement; (b) any information you provide us about your business, products, or services is accurate and complete; (c) you will fulfil all of your obligations to Backers and will resolve all Disputes with them; (d) you will comply with all Laws applicable to your business and use of the Services; (e) your employees, contractors and agents will at all times act consistently with the terms of this Agreement; and (f) you will not use the Services, directly or indirectly, for any fraudulent or illegal undertaking, or in any manner that interferes with the normal operation of the Services.

8. No Warranties

WE PROVIDE THE SERVICES AND Accredify IP "AS IS" AND "AS AVAILABLE", WITHOUT ANY EXPRESS, IMPLIED, OR STATUTORY WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, OR ANY OTHER TYPE OF WARRANTY OR GUARANTEE. NO DATA, DOCUMENTATION OR ANY OTHER INFORMATION PROVIDED BY Accredify OR OBTAINED BY YOU FROM OR THROUGH THE SERVICES – WHETHER FROM Accredify OR ANOTHER Accredify ENTITY, AND WHETHER ORAL OR WRITTEN – CREATES OR IMPLIES ANY WARRANTY FROM A Accredify ENTITY TO YOU.

THE Accredify ENTITIES DISCLAIM ANY KNOWLEDGE OF, AND DO NOT GUARANTEE: (a) THE ACCURACY, RELIABILITY, OR CORRECTNESS OF ANY DATA PROVIDED THROUGH THE SERVICES; (b) THAT THE SERVICES WILL MEET YOUR SPECIFIC BUSINESS NEEDS OR REQUIREMENTS; (c) THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, OR WILL FUNCTION IN AN UNINTERRUPTED MANNER OR BE SECURE; (d) THAT Accredify WILL CORRECT ANY DEFECTS OR ERRORS IN THE SERVICE, API, DOCUMENTATION, OR DATA; OR (e) THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL CODE. USE OF DATA YOU ACCESS OR DOWNLOAD THROUGH THE SERVICES IS DONE AT YOUR OWN RISK – YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY, LOSS OF DATA, OR ANY OTHER LOSS THAT RESULTS FROM SUCH ACCESS OR DOWNLOAD. YOU UNDERSTAND THAT THE Accredify ENTITIES MAKE NO GUARANTEES TO YOU REGARDING TRANSACTION PROCESSING TIMES.

NOTHING IN THIS AGREEMENT OPERATES TO EXCLUDE, RESTRICT OR MODIFY THE APPLICATION OF ANY IMPLIED CONDITION, WARRANTY OR GUARANTEE, OR THE EXERCISE OF ANY RIGHT OR REMEDY, OR THE IMPOSITION OF ANY LIABILITY UNDER LAW WHERE TO DO SO WOULD: (A) CONTRAVENE THAT LAW; OR (B) CAUSE ANY TERM OF THIS AGREEMENT TO BE VOID.

9. Limitation of Liability

Under no circumstances will any Accredify Entity be responsible or liable to you for any indirect, punitive, incidental, special, consequential, or exemplary damages resulting from your use or inability to use the Services or for the unavailability of the Services, for lost profits, personal injury, or property damage, or for any other damages arising out of, in connection with, or relating to this Agreement or your use of the Services, even if such damages are foreseeable, and whether or not you or the Accredify Entities have been advised of the possibility of such damages. The Accredify Entities are not liable, and deny responsibility for, any damages, harm, or losses to you arising from or relating to hacking, tampering, or other unauthorized access or use of the Services, your Accredify Account, or Data, or your failure to use or implement anti-fraud measures, Security Controls, or any other data security measure. The Accredify Entities further deny responsibility for all liability and damages to you or others caused by (a) your access or use of the Services inconsistent with the Documentation; (b) any unauthorized access of servers, infrastructure, or Data used in connection with the Services; (c) interruptions to or cessation of the Services; (d) any bugs, viruses, or other harmful code that may be transmitted to or through the Services; (e) any errors, inaccuracies, omissions, or losses in or to any Data provided to us; (f) third-party content provided by you; or (g) the defamatory, offensive, or illegal conduct of others.

You agree to limit any additional liability not disclaimed or denied by the Accredify Entities under this Agreement to your direct and documented damages; and you further agree that under no circumstances will any such liability exceed in the aggregate the amount of Fees paid by you to Accredify during the three-month period immediately preceding the event that gave rise to your claim for damages.

These limitations on our liability to you will apply regardless of the legal theory on which your claim is based, including contract, tort (including negligence), strict liability, or any other theory or basis.

We provide the Services from facilities in the Republic of Singapore. We do not claim, and we cannot guarantee that Services we provide from the Republic of Singapore are or will be appropriate or available for any other location or jurisdiction, comply with the Laws of any other location or jurisdiction, or comply with Laws governing export, import, or foreign use.

10. Responding to Legal Process

Accredify may respond to and comply with any writ of attachment, lien, levy, subpoena, warrant, or other legal order ("Legal Process") that we believe to be valid. We may subject to the terms of our Privacy Policy, any Data as required under such Legal Process, even if you are receiving Data on behalf of other parties. Where permitted by Law, we will make reasonable efforts to provide you Notice of such Legal Process by sending a copy to the email address we have on file for you. Accredify is not responsible for any losses, whether direct or indirect, that you may incur as a result of our response or compliance with a Legal Process.

11. Dispute Resolution; Agreement to Arbitrate

a. Binding Arbitration: Any dispute, controversy or claim arising out of or relating to this contract, including the formation, interpretation, breach or termination thereof, including whether the claims asserted are arbitrable, will be referred to and finally determined by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of the SIAC for the time being in force, which rules are deemed to be incorporated by reference in this clause. The Tribunal shall consist of one arbitrator. Unless the parties agree upon an arbitrator, either party may request a nomination from the Chairman of the SIAC. The place of the arbitration will be Singapore. The language to be used in the arbitral proceedings will be English. Judgment upon the award rendered by the arbitrator may be entered by any court having jurisdiction thereof.

This Agreement and the rights of the parties hereunder shall be governed and construed in accordance with the laws of Singapore, exclusive of conflict or choice of law rules. Nothing in this section will preclude the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.

b. Service of Process: Each party hereby irrevocably and unconditionally consents to service of process through personal service at their corporate headquarters or, registered address. Nothing in this Agreement will affect the right of any party to serve process in any other manner permitted by Law.

c. Class Waiver: To the fullest extent permitted by Law, each of the parties agrees that any dispute arising out of or in connection with this Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to this Agreement or any of the ITOs contemplated between the parties.

d. Provision of an Award: Subject to the limitations of liability identified in this Agreement, the appointed arbitrators may award monetary damages and any other remedies allowed by Law. In making a determination, the arbitrator will not have the authority to modify any term or provision of this Agreement. The arbitrator will deliver a reasoned written decision with respect to the dispute (the "Award") to each party, who will promptly act in accordance with the Award. Any Award (including interim or final remedies) may be confirmed in or enforced by any court having jurisdiction over either party or its assets. The decision of the arbitrator will be final and binding on the parties, and will not be subject to appeal or review.

e. Fees: Each party will advance one-half of the fees and expenses of the arbitrators, the costs of the attendance of the arbitration reporter at the arbitration hearing, and the costs of the arbitration facility. In any arbitration arising out of or related to this Agreement, the arbitrators will award to the prevailing party, if any, the costs and attorneys' fees reasonably incurred by the prevailing party in connection with those aspects of its claims or defences on which it prevails, and any opposing awards of costs and legal fees awards will be offset.

f. Confidentiality: The parties will maintain the confidential nature of the arbitration proceeding, the hearing and the Award, except (i) as may be necessary to prepare for or conduct the arbitration hearing on the merits, (ii) in connection with a court application as contemplated above for a preliminary remedy, or confirmation of an Award or its enforcement, (iii) our disclosure of the Award in confidential settlement negotiations, or (iv) as otherwise required by applicable Laws. The parties, witnesses, and arbitrator will treat as confidential and will not disclose to any third person (other than witnesses or experts) any documentary or other evidence produced in any arbitration hereunder, except as required by Law or except if such evidence was obtained from the public domain or was otherwise obtained independently from the arbitration.

g. Conflict of Rules: In the case of a conflict between the provisions of this Section E.11.g and the rules governing arbitration identified in Section E.11.a, the provisions of this Section E.11.g will prevail. If any provision of this Agreement to arbitrate is held invalid or unenforceable, it will be so held to the minimum extent required by Law and all the other provisions will remain valid and enforceable.

12. Entire Agreement

This Agreement and all policies and procedures that are incorporated by reference constitute the entire agreement between you and Accredify for provision and use of the Services. Except where expressly stated otherwise in a writing executed between you and Accredify, this Agreement will prevail over any conflicting policy or agreement for the provision or use of the Services. This Agreement sets forth your exclusive remedies with respect to the Services. If any provision or portion of this Agreement is held to be invalid or unenforceable under Law, then it will be reformed and interpreted to accomplish the objectives of such provision to the greatest extent possible, and all remaining provisions will continue in full force and effect.

13. Cumulative Rights, Construction, Waiver

The rights and remedies of the parties under this Agreement are cumulative, and either party may enforce any of its rights or remedies under this Agreement, along with all other rights and remedies available to it at Law, or in equity. No provision of this Agreement will be construed against any party on the basis of that party being the drafter. Unless expressly stated otherwise, the use of the term "including" or "such as" is not to be interpreted as limiting the generality of the text preceding the term. The failure of either party to enforce any provision of this Agreement will not constitute a waiver of that party's rights to subsequently enforce the provision.

14. Survival

All provisions of this Agreement that give rise to a party's ongoing obligation will survive termination of this Agreement, including Sections A.3 ("Your Relationship with Your Backers"), A.6 ("Taxes and Other Expenses"), A.7 ("Service Requirements, Limitations and Restrictions"), A.8 ("Suspicion of Unauthorized or Illegal Use"), A.9 ("Disclosures and Notices; Electronic Signature Consent"), A.10.b ("Effects of Termination"), B.2 ("Ownership of Accredify IP"), C.3 ("Security and Fraud Controls"), D.4 ("No Agency; Third-Party Services"), D.5 ("Force Majeure"), D.6 ("Your Liability for Third-Party Claims Against Us"), D.7 ("Representations and Warranties"), D.8 ("No Warranties"), D.9 ("Limitation of Liability"), D.10 ("Responding to Legal Process"), D.11 ("Dispute Resolution; Agreement to Arbitrate"), D.12 ("Entire Agreement"), D.13 ("Cumulative Rights, Construction, Waiver") and D.14 ("Survival"); and any related terms in the Agreement.

15. Language

The parties hereby acknowledge that they have required this Agreement and all related documents to be drawn up in the English language.

Data Protection Notice

Last Revised: 15 July 2019

Your Privacy is Important to Us

The purpose of this document ("Policy") is to inform you of how Accredify Pte. Ltd., a Singapore company located at 28C Stanley Street Singapore 068737 (“the Firm”), handles Personal Data which is subject to the Personal Data Protection Act 2012 (No. 26 of 2012) of Singapore ("PDPA").

This Policy applies to Personal Data in our possession or under our control, including Personal Data in the possession of service providers and third parties which we have engaged to collect, use, disclose, or process Personal Data for our purposes. By interacting with us, using our websites (any page on the accredify.io domain), including https://www.accredify.io/ and https://dashboard.accredify.io/ (collectively, “Sites”), submitting information to us, or engaging our services, you agree and consent to the Firm, as well as our service providers and third parties appointed by us on your behalf (collectively, "us", "we" or "our") collecting, using and disclosing your Personal Data in the manner set forth in this Policy.

This Policy supplements but does not supersede nor replace any other consents you may have previously provided to the Firm in respect of your Personal Data, and your consents herein are additional to any rights which to the Firm may have at law to collect, use or disclose your Personal Data.

We may from time to time update this Policy. If we do make changes, the Firm will inform you by updating the last revised date at the top of the Policy and such updates will be posted on the Firm Sites. By continuing to interact with us, subject to applicable law, you agree to be bound by the prevailing terms of the Policy as so updated from time to time.

In this Policy, "Personal Data" refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which we have or are likely to have access, including data in our records as may be updated from time to time, but excludes "business contact information" as defined in the PDPA.

Other terms used in this Policy shall have the meanings given to them in the PDPA (where the context so permits).

WHAT PERSONAL DATA WE COLLECT

  1. 1. We may collect Personal Data from you in the course of our business, including through your use of our Sites, when you contact or request information from us, when you engage our services or as a result of your relationship with one or more of our staff and clients.
  2. 2. Depending on the nature of your interaction with us, the Personal Data that we may collect includes:
      1. (a) Unique identifiers (e.g. full name, National Registration Identification Card (“NRIC”) number, Foreign Identification Number (“FIN”), passport number, personal mobile telephone number, voice of an individual and/or facial image of an individual);
      2. (b) Personal particulars (e.g. nationality, gender, date of birth, marital status, and/or education details);
      3. (c) Employment details (e.g. occupation, directorships and other positions held, employment history, salary, and/or benefits);
      4. (d) Contact information (e.g. residential address, email address and/or telephone number);
      5. (e) Financial information (e.g. account numbers, banking transactions and/or cryptocurrency wallet addresses);
      6. (f) Technical information (e.g. information from your visits to our website or applications or in relation to materials and communications we send to you electronically);
      7. (g) Personal opinions made known to us (e.g. feedback or responses to surveys);
      8. (h) Other information (e.g. photographs and other audio-visual information, website Uniform Resource Locator (URL), free-form text, and/or personal description); and/or
      9. (i) Any other information relating to you which you may provide to us.

COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA

  1. 3. Generally, the Firm may collect Personal Data in various ways including:
    1. a. in the course of your engaging our services, or your providing documentation or information to us;
    2. b. when you subscribe to any of our online services or communication platforms (including electronic publications, updates, alerts, announcements);
    3. c. when you communicate or interact with us via telephone, letters, fax, face-to-face meetings, our Sites, email or other modes of contact;
    4. d. when you request that you be included in an email or other mailing list;
    5. e. as part of our business acceptance processes and about you and others as necessary in the course of providing our services;
    6. f. while monitoring our technology tools and services, including our Sites and email communications sent to and from us;
    7. g. when you provide information to us, or interact with us directly, for instance engaging with our staff or registering on one of our digital platforms or applications;
    8. h. from other sources, such as keeping the contact details we already hold for you accurate and up to date using publicly available sources;
    9. i. when you submit an employment application or provide documents or information such as your resume, from recruitment agencies and employment references;
    10. j. it is provided to us voluntarily by you directly or via a third party who has been duly authorised by you to disclose your Personal Data to us (your “authorised representative”) after
      1. i. you (or your authorised representative) have been notified of the purposes for which the data is collected, and
      2. ii. you (or your authorised representative) have provided written consent to the collection and usage of your Personal Data for those purposes;
    11. k. collection and use of Personal Data without consent is permitted or required by the PDPA or other written laws;
    12. l. from public information sources, search services and other third parties; and
    13. m. when you submit your Personal Data to us for any other reason.
  2. 4. We shall seek your consent before collecting any additional Personal Data and before using your Personal Data for a purpose which has not been notified to you (except where permitted or authorised by written law).
  3. 5. If you provide us with any Personal Data relating to a third party, by submitting such Personal Data to us, you also represent to us and must ensure that you have notified the third party of the terms of this Policy and obtained his consent thereto.
  4. 6. Regarding to your visits to our Sites, we may automatically collect the following information:
    1. a. Information about your visit to our Sites, including download errors, the full Uniform Resource Locator (URL), length of visits to our Sites, and products added to your shopping cart.
    2. b. Technical information, including browser type and version, the Internet Protocol (IP) address used to connect your computer to the Internet, operating systems, platforms, time zone setting, and browser plug-in types and versions.
    3. c. Cookies and other Tracking Technologies: We may use web beacons (tracking pixels), cookies, and other tracking technologies to collection information about you when you interact with our emails or Sites, including information about your browsing behaviour on our Sites. We use this information to make improvements to our Sites and your experience, to observe features and areas of our Sites that are more popular, understand the effectiveness of campaigns, count visits, and determine whether an email sent by us was opened and if hyperlinks contained in the emailed was clicked. For detailed information on the cookies we use and the purposes for which we use them, please to read our Cookie Policy.
    4. d. Information we obtain from other sources about you may be combined with information we collect about you.
  5. 7. Generally, the purposes for which the Firm collects, uses and discloses Personal Data include:
    1. a. providing our services and managing your relationship with us;
    2. b. responding to, processing and handling your queries, feedback and suggestions;
    3. c. performing obligations in the course of or in connection with our provision of the services requested by you;
    4. d. verifying your identity, processing payments as well as managing our administrative and business operations (including the processing, storage, monitoring and backup of data);
    5. e. providing updates and other communications on developments relating to the Firm;
    6. f. to send administrative email notifications e.g. security, support and/or maintenance notices;
    7. g. to improve our services and communications to you as well as the quality of your interaction with our Sites, including auditing and monitoring its use;
    8. h. complying with applicable laws and regulations, codes of practice or guidelines, policies, procedures, regulatory requirements (which may extend to know-your-client and related reviews) and directions issued by relevant authorities;
    9. i. to fulfil our legal, regulatory and risk management obligations, including establishing, exercising or defending legal claims;
    10. j. sending you marketing information about our services including notifying you of our marketing events, initiatives and promotions, lucky draws, membership and rewards schemes, and other promotions;
    11. k. transmitting to any unaffiliated third parties including our third-party service providers and agents, and relevant governmental and/or regulatory authorities, whether in Singapore or abroad, for the aforementioned purposes;
    12. l. for the purpose of recruitment; and/or
    13. m. any other purpose relating to any of the above.
  6. 8. In relation to particular services or in your interactions with us, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. If so, we will collect, use and disclose your Personal Data for these additional purposes as well, unless we have specifically notified you otherwise.
  7. 9. Our Sites may contain links to other sites and resources that are operated or provided by third parties with different privacy practices. We have no control over and do not take any responsibility for these third party websites and their Personal Data handling practices, and you are encouraged to review the Personal Data policies of websites you choose to visit which are linked from our Sites.
  8. 10. From 1 September 2019, organisations may collect, use or disclose NRIC numbers only in the following specified circumstances:
    1. a. Collection, use or disclosure of NRIC numbers (or copies of NRIC) is required under the law (or an exception under the PDPA applies); or
    2. b. Collection, use or disclosure of NRIC numbers (or copies of NRIC) is necessary to accurately establish or verify the identities of the individuals to a high degree of fidelity.
    Specifically, the purposes for which the Firm collects, uses and discloses NRIC numbers (or copies of NRIC), Birth Certificate numbers, FINs, Work Permit numbers and passport numbers are as follows:
    1. a. Such collection, use or disclosure by the Firm is necessary to accurately establish or verify the identities of the individuals to a high degree of fidelity. One of our activities is to provide education institutions with the service of issuing tamper-proof transcripts and certificates to their graduates. The education institutions that we may provide this service to have thousands of graduates receiving their transcripts and certificates every year. Such transcripts and certificates, other than containing Personal Data, will also contain other highly confidential information. The result of not verifying the identities of graduates to a high degree of fidelity may lead to the issuance of such highly confidential information to the wrong graduates hence posing a risk of significant personal impact to each affected graduate and significant reputational harm to the affected education institutions. The Firm, having accessed our specific situation, is of the view that, on balance, it is necessary to accurately establish or verify the identity of the individuals, being graduates from education institutions, to a high degree of fidelity.
  9. 11. The Firm may disclose your Personal Data in various ways including:
    1. a. where such disclosure is required for performing obligations in the course of or in connection with our provision of the services requested by you;
    2. b. if we believe that your actions are not consistent with our user policies and agreements, or to protect the property, safety, and rights of us or any third party;
    3. c. to technical consultants, vendors, experts or other service providers whether located in Singapore or elsewhere who require access to such information to do work on our behalf;
    4. d. to agents, contractors or third party service providers who provide technology solutions, support, operational or administrative services, such as for our online services, courier services, telecommunications, information technology, payment, payroll processing, training, market research, storage, archival, client support services;
    5. e. in connection with professional indemnity policies, and to our professional advisers including auditors;
    6. f. to any relevant authorities, including professional regulatory bodies and/or law enforcement agencies, whether local or overseas;
    7. g. to the extent necessary to comply with any laws, regulations, rules, directions, guidelines and other similar requirements;
    8. h. where permitted under law, external business and charity partners in relation to the Firm's promotional events and seminars;
    9. i. in connection with, or during negotiations of, any sale, merger of company assets, acquisition or financing of a portion or all of our business to another company or individual;
    10. j. disclose de-identified or aggregated information, which cannot reasonably be used to identify you;
    11. k. at your direction or with your consent; and
    12. l. any other party to whom you authorise us to disclose your Personal Data.
  10. 12. The purposes listed in the above clauses may continue to apply even in situations where your relationship with us (for example, pursuant to a contract) has been terminated or altered in any way, for a reasonable period thereafter (including, where applicable, a period to enable us to enforce our rights under any contract with you).
  11. 13. You further understand, acknowledge and agree that where you have engaged us to carry out any work in any jurisdictions outside Singapore, the transfer of your Personal Data records to these jurisdictions may be necessary to give effect to your instructions and that you request and consent to our so transmitting your, Personal Data outside Singapore. Personal Data may therefore be exported to, processed and accessed in countries whose laws provide a different level of protection, which may not necessarily be comparable to that provided in Singapore.

WITHDRAWING YOUR CONSENT

  1. 14. The consent that you provide for the collection, use and disclosure of your Personal Data will remain valid until such time it is being withdrawn by you in writing. You may withdraw consent and request us to stop using and/or disclosing your Personal Data for any or all of the purposes listed above by submitting your request in writing or via email to our Data Protection Officer at the contact details provided below.
  2. 15. While we respect your decision to withdraw your consent, please note that depending on the nature and scope of your request, we may not be in a position to continue providing our services to you and we shall, in such circumstances, notify you before completing the processing of your request. Should you decide to cancel your withdrawal of consent, please inform us in writing or via email to our Data Protection Officer at the contact details provided below.
  3. 16. Please note that withdrawing consent does not affect our right to continue to collect, use and disclose Personal Data where such collection, use and disclose without consent is permitted or required under applicable laws.

PROTECTION OF PERSONAL DATA

  1. 17. To safeguard your Personal Data from unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks, we have introduced appropriate administrative, physical and technical measures such as up-to-date antivirus protection, encryption and the use of privacy filters to secure all storage and transmission of Personal Data by us, and disclosing Personal Data both internally and to our authorised third party service providers and agents only on a need-to-know basis.
  2. 18. You should be aware, however, that no method of transmission over the Internet or method of electronic storage is completely secure. While security cannot be guaranteed, we strive to protect the security of your information and are constantly reviewing and enhancing our information security measures.

ACCURACY OF PERSONAL DATA

  1. 19. We generally rely on Personal Data provided by you (or your authorised representative). In order to ensure that your Personal Data is current, complete and accurate, please update us if there are changes to your Personal Data by informing our Data Protection Officer in writing or via email at the contact details provided below.

RETENTION OF PERSONAL DATA

  1. 20. We may retain your personal data for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable laws.
  2. 21. We will cease to retain your personal data, or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the personal data was collected, and is no longer necessary for legal or business purposes.

TRANSFERS OF PERSONAL DATA OUTSIDE OF SINGAPORE

  1. 22. Transfer of Personal Data to countries outside of Singapore may be done during the Know Your Customer (KYC) section of the registration process. This includes data transfers to our KYC partners. Personal Data transferred is done solely for the purpose of customer identity verification.
  2. 23. Personal Data transferred continues to receive a standard of protection that is at least comparable to that provided under the PDPA.

WITHDRAWAL OF CONSENT, ACCESS TO AND CORRECTION OF PERSONAL DATA

  1. 24. If you:
    1. a. have any questions or feedback relating to your Personal Data or our Policy;
    2. b. would like to withdraw your consent to any use of your Personal Data as set out in this Policy;
    3. c. wish to make an access request for access to a copy of the Personal Data which we hold about you or information about the ways in which we use or disclose your Personal Data; or
    4. d. wish to make a correction request to correct or update any of your Personal Data which we hold about you,
    5. you may submit your request in writing or via email to our Data Protection Officer at the contact details provided below.
  2. 25. If you withdraw your consent to any or all use of your Personal Data, depending on the nature of your request, we may not be in a position to continue to provide our services to you.
  3. 26. Without prejudice to the foregoing, by accessing and using our Sites in any way (including without limitation using any documents, data, reports, automated templates or any other materials, or accessing any software programs, database systems or portals made available or enabled via the site), you represent and warrant that you have read, understand and consent to the collection, use and disclosure of your Personal Data as set out above.

DATA PROTECTION OFFICER

  1. 27. You may contact our Data Protection Officer if you have any enquiries or feedback on our personal data protection policies and procedures, or if you wish to make any request, in the following manner:
    1. DPO Name: Shaun Cheetham
    2. Email: Shaun@Accredify.io

EFFECT OF NOTICE AND CHANGES TO NOTICE

  1. 28. This Policy applies in conjunction with any other policies, contractual clauses and consent clauses that apply in relation to the collection, use and disclosure of your Personal Data by us.
  2. 29. We may revise this Policy from time to time without any prior notice. You may determine if any such revision has taken place by referring to the date on which this Policy was last updated. Your continued use of our services constitutes your acknowledgement and acceptance of such changes.

Effective Date: 14th June 2019

Last Revised: 22nd July 2019

Trademark & Copyright Usage

Last Updated: July 31, 2018

This Accredify Trademark and Copyright Usage Agreement ("Agreement") sets out the legal terms governing your ability to use the Accredify name, logo, and other registered or unregistered Accredify trademarks and service marks owned by Accredify and its affiliates ("Accredify Marks") to let your customers know that Accredify ("we", "us", "our") provides services for your business. This Agreement supplements, and is governed by, your agreement with Accredify for the use of Services provided by Accredify ("Services Agreement"). Your Accredify Agreement is the Accredify Services Agreement, unless you and we agree to substitute a different agreement. Terms used but not defined in this Agreement, such as "Accredify" and "Services", have the meanings given in the Services Agreement.

You may not use any Accredify Marks without having agreed to abide by all of the terms and conditions in this Agreement, and unless you do so in accordance with this Agreement.

1. Permission to Use Accredify Marks

Accredify Marks are important assets of Accredify's business and are protected by Singapore and international laws. You are licensed to use the Accredify Marks as described in this Agreement on a non-exclusive, non-transferable basis on websites or applications that utilize the Services (as defined in the Services Agreement). However, your use is subject to the terms set out in this Agreement, and we may terminate your license via (i) our absolute ability to supervise, monitor, and revoke your license at any time and at our discretion, or (ii) your non-use or cancellation of the Services. Upon termination of the license, you agree to promptly remove any Accredify Marks from any websites or applications, or other material within a reasonable time.

2. Proper Use of Accredify Marks

Proper Use: You may only use the Accredify Marks on the portion of your website or application that directly relates to the Services. All Accredify Marks should directly link to our homepage at https://Accredify.io. Where only the Accredify name or logo is used, as opposed to the "Powered by Accredify", we ask that you provide proper trademark attribution crediting ownership of the Accredify Marks to us, such as:

The Accredify name and logos are trademarks or service marks of Accredify Pte. Ltd. or its affiliates in Singapore and other countries. Other names may be trademarks of their respective owners.

Brand Guidelines: We may also provide you with style or usage guidelines describing such things as size, color, or relative placement of Accredify Marks. You may only use the Accredify Marks consistent with those guidelines except where we expressly agree otherwise with you in writing. You will update your use of the Accredify Marks to conform to changes in the guidelines within a reasonable time after we provide you notice of the change.

Attribution: The TM or SM Symbol should be prominently displayed in conjunction with any Accredify Mark being used, unless otherwise directed by us to use the ® symbol. All Accredify Marks used should directly hyperlink to the Accredify home page located at https://Accredify.io.

3. Impermissible Uses of Accredify Marks

You may not display, copy, modify, transmit or otherwise use the Accredify Marks except as described in this Agreement, the guidelines, or otherwise agreed in writing by Accredify. You may not use the Accredify Marks to show Accredify or the Services in any disparaging or derogatory light, or in any way that may be damaging to our brand or to our interests in the Accredify Marks.

You may not use the Accredify Marks to imply endorsement by Accredify of your products or services, or in a manner that causes customer confusion. You may not misrepresent your relationship with Accredify, or use the Accredify Marks in any manner that is misleading. You may not use the Accredify Marks in relation to goods or services that are unrelated to the Services. In addition to any other right that we may have to enforce the terms of this Agreement, you must promptly comply with any request that we make for you to cease a use of the Accredify Marks that we determine is non-compliant with this paragraph.

In addition to protecting the Accredify Marks, it is important to us that you maintain an independent brand. Even where use of Accredify Marks is permitted, we suggest that you prominently use your own marks in a manner that makes your brand or any other descriptor of your goods/services clearly distinguishable from that of Accredify's. For example, "Foo Analytics for Accredify" or "Bar Analytics powered by Accredify" are acceptable and emphasize your brand; but "Accredify Analytics", "Accredify for Platforms", or "Accredifylytics" are unacceptable and emphasize the Accredify Marks. You may not use the Accredify Marks or any confusingly similar name or trademark with your product, service, company, or domain name. For instance, you may not use names like "Accredify Business Services", "Accredify for Platforms" or domains like "getAccredify.com."

4. No Warranties

As part of this Agreement, we do not make any representations regarding your use of Accredify Marks. We disclaim all warranties, express and implied, including any warranties of non-infringement.

5. Your Liability For Third-Party Claims

You will indemnify Accredify, its affiliates, and their respective employees and agents (each a "Accredify Entity") against any claim, suit, demand, loss, liability, damage, action, or proceeding (each, a "Claim") brought by a third party against a Accredify Entity that results from your impermissible use of any Accredify Marks, as described in Section 3 above, including any third party Claims based on trademark or copyright infringement, dilution, passing off, counterfeiting, or unfair competition. You will also responsible for, and will fully reimburse the Accredify Entities for, any liability incurred by the Accredify Entities in connection with such Claims.

You will fully cooperate with the Accredify Entities by providing reasonable assistance, authority, information, and resources where applicable, in order to assist with the defense of the Claims described in the previous paragraph. You recognize Accredify's authority to control any defenses or responses against any such Claims, and you agree to cooperate with any Accredify Entity that wishes to assert such authority.

6. Contacting Us

If you have any questions about this Agreement, please don't hesitate to contact us at contact@Accredify.io.

7. Other Legal Provisions

Except as otherwise agreed upon in writing between you and us, this Agreement is the entire agreement between you and us regarding your use of the Accredify Marks. We may terminate this Agreement at any time upon notice to you. You may not transfer this Agreement to any third party. This Agreement is governed by the laws and dispute provisions specified in the Services Agreement, which are incorporated into this Agreement by reference. If any provision or portion of this Agreement is held to be invalid or unenforceable, then it will be reformed and interpreted to accomplish the objectives of such provision to the greatest extent possible, and all remaining provisions will continue in full force and effect.

Cookies and Similar Technologies

Last revised: 14 June 2019

Cookies are small text files that are stored in a computer’s web browser memory. They help website providers with things like understanding how people use a website, remembering a User’s login details, and storing website preferences. This page explains how we use cookies and other similar technologies to help us ensure that our Services function properly, prevent fraud and other harm, and analyse and improve the Services in accordance with our Data Protection Notice. Any capitalized term used and not otherwise defined below has the meaning assigned to it in the Data Protection Notice.

How We Use Cookies:

Cookies play an important role in helping us provide personal, effective and safe Services. We use cookies on our website. We change the cookies periodically as we improve or add to our Services, but we generally use cookies for the following purposes:

  1. 1. To Operate Our Services: Some cookies are essential to the operation of our website and Services. We use those cookies in a number of different ways, including:
    1. a. Authentication. We use cookies to remember Your login state so You don’t have to login as You navigate through our site and Your dashboard. For example, when You log into Your Accredify dashboard account, we use a cookie so that You don’t have to login again as You navigate throughout the website.
    2. b. Site Features and Services. We use cookies to remember how You prefer to use our Services so that You don’t have to reconfigure Your settings each time You log into Your account.
    3. c. Fraud Prevention and Detection. Cookies and similar technologies that we deploy through websites and the Services help us learn things about computers and web browsers used to access the Services. This information helps us monitor for and detect potentially harmful or illegal use of our Services.
  2. 2. To Analyse and Improve Our Services: Cookies help us understand how to make our website and Services work better for You. Cookies tell us how people reach our website and our Users’ websites and they give us insights into improvements or enhancements we need to make to our website and Services.

How We Use Other Technologies:

  1. 1. Third Party Analytics. We may use Google Analytics, which uses cookies and similar technologies, to collect and analyse information about use of the Services and report on activities and trends. This service may also collect information regarding the use of other websites, apps, and online resources. You can learn about Google’s practices on the Google website. Please refer to the table below for more on how we use third party analytics.
  2. 2. Pixel tags. Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some Services to, among other things, track the actions of Users (such as email recipients), measure the success of our marketing campaigns and compile statistics about usage of the Services and response rates.

How To Manage Cookies

Your web browser may allow You to change Your cookie preferences, including to delete and disable Accredify cookies. Please consult the help section of Your web browser or follow the links below to understand Your options, but please note that if You choose to disable the cookies, some features of our website or Services may not operate as intended.

  1. 1. Chrome
  2. 2. Safari
  3. 3. Firefox
  4. 4. Explorer
  5. 5. Opera

Cookie Table

Cookies that we commonly use are listed below. This list is not exhaustive but describes the main reasons we typically set cookies.

Accredify Cookies

Cookie Name

Purpose

Persistent or Session

XSRF-TOKEN Prevents Cross-Site Request Forgery attacks Session
Accredify_dashboard_session Provides a unique session identifier for authentication Session

Third Party Cookies

Cookie Name

Purpose

Persistent or Session

G_ENABLED_IDPS For Google Analytics Session
1P_JAR Used to gather website statistics and track conversion rates. Persistent
APISID, SID Used by Google to display personalized advertisements on Google sites, based on recent searches and previous interactions. Persistent
GMAIL_RTT Cookie that relates to Google services (such as Google Maps or Gmail). Persistent
HSID Enables Google to collect user information for videos hosted by YouTube. Persistent
NID, SAPISID, SSID Cookie related to the use of Google Maps Persistent
OGP, OGPC These cookies are used by Google to store user preferences and information when viewing pages with Google maps on them. Persistent
SIDCC A security cookie to protect a user’s data from unauthorized access. Persistent
OTZ Used by Google Analytics that provides an aggregate analysis of Website visitors. Persistent
_ga Used by Google Analytics and are used to keep a record of visitor statistics. Persistent