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Policies and
Terms & Conditions

Terms & Conditions

The Terms of Service stated herein (collectively, the “Terms of Service” to the “Agreement”) constitute a legal agreement between you (the “Partner”) and FLEXM PTE. LTD. (the “provider”). By using FlexBank and services, you hereby agree to be bound by the Agreement and the following stated terms and conditions set out by FlexM Pte. Ltd. 

GLOSSARY

Except to the extent expressly provided otherwise, in this Agreement:
"Acceptance Criteria” the Specified Services conforming in all material respects as set out in Schedule 1

"Acceptance Period" a period of ten (10) Business Days following the Specified Services being made available to the Partner for the purpose of testing or such other periods as the parties may agree in writing

"User Acceptance Tests (UAT)" a set of tests designed to establish whether the Specified Services meet the Acceptance Criteria, provided that the exact form of the tests shall be determined agreed and documented by the parties acting reasonably in advance of the first Acceptance Period

"Account" an account enabling a User to access and use the Specified Services

"Affiliate" an entity that controls, is controlled by, or is under common control with the relevant entity

"Agreement" this agreement including any schedules, and any amendments thereof as agreed by the parties in writing from time to time

“API” abbreviation for application programming interface, refers to a set of functions and procedures that allow the creation of applications which access the features or data of an operating system, application, or other service.

App” abbreviation for application and referring to a mobile application software designed to run on a mobile device, such as a smartphone or tablet.

Base Specifications” an independent document detailing the system and programme parameters to be established for the Set-up Services

"Business Day(s)" any weekday other than a bank or public holiday in Singapore "Business Hours" the hours between 9:00 am to 5:00 pm on a business day"Change" any change to the scope, any modifications or improvements to the Specified Services and/or any change to this Agreement and as agreed by the parties

"Charges" the amounts specified in Schedule 2 and the amounts as may be agreed in writing by the parties from time to time"Control(s)" the legal authority to control directly or indirectly the management of an entity 

"Confidential Information" means:

a. Any information disclosed by one party to the other during the Term (whetherdisclosed in writing, orally or otherwise) that at the time of disclosure:

b. Was marked or described as "confidential"; or

c. Should have been reasonably understood by the other to be confidential.

d. The Partner Data and Provider Data;

e. The terms of this Agreement

"Customisation" a customisation of the FlexBank/ Services, whether made through the development, configuration or integration of software, or otherwise for the Specified Services

"Defect" a defect, error or bug in the Specified Services having a material adverse effect on operation, functionality, or performance of the Specified Services, but excluding any defect, error or bug caused by or arising as a result of:

1. Any act or omission of the Partner or any person authorised by the Partner to use the Specified Services;

2Any use of the Specified Services contrary to the documentation, whether by the Partneror by any person authorised by the Partner;

3. A failure of the Partner to perform or observe any of its obligations in this Agreement; and/or

4. An incompatibility between the Specified Services and any other system, Network, application, programme, hardware or software not specified as compatible in the Documentation

"Documentation" the documentation for the Specified Services made available by the Provider to the Partner

"Effective Date" the date of execution of this Agreement

"Force Majeure Event" an event, or a series of related events, that is outside the reasonable control of the party affected including failures of the internet or any public telecommunications network, hacker attacks, denial of service attacks, virus or other malicious software attacks or infections, power failures, industrial disputes affecting any third party, changes to the law, disasters, explosions, fires, floods, epidemics, pandemics, riots, government enforced lockdown, terrorist attacks, wars and major currency devaluation

iBoard” the backend administration platform/ portal, including URL and login information, supporting the reporting, reconciliation and dashboard, for the FlexBank/ Services

“Go-live date”
the earlier of the following dates a) when the solution is launched live for the Partner’s users or b) within 3 months of contract signing date in case of API based solution or c) within 1 month of UAT sign off for App based solution.

"Intellectual Property" all intellectual property rights, whether registrable or un-registrable, registered or unregistered, including any application or right of application for such rights and these "intellectual property rights" include copyright and related rights, database rights, confidential information, trade secrets, know-how, business names, trade names, trademarks, service marks, passing off rights, unfair competition rights, patents, utility models, and rights in designs

"Maintenance Services" the general maintenance of the Specified Services, and the updates and upgrades thereof

"Minimum Term" in respect of this Agreement, the period of three (3) years beginning theGo-live Date.

"Network" a payment card network that switches transactions between merchants and users according to its own standards and protocols

"Partner Data" all data, works and materials, including the personal data of a Partner's User: uploaded to or stored by the Partner; supplied by the Partner to the Provider for uploading, processing, transmission or storage purposes in relation to this Agreement

Partner App" the app that is developed by the Partner or commissioned by the Partner either from the Provider or from a third-party developer, and is made available for general distribution by the Partner through the Google Play Store and/or the Apple App Store

"Partner Systems" the hardware and software systems of the Partner that interact with, or may reasonably be expected to interact with, the Specified Services

Penetration Testing” is an authorised, simulated cyberattack on the security infrastructure of a system to uncover vulnerabilities, threats, risks in a software application, network or web application that an attacker could exploit

"Personal Data" as defined by the Personal Data Protection Commission of Singapore (PDPC) and can be accessed here: https://www.pdpc.gov.sg/Overview-of-PDPA/The- Legislation/Personal-Data-Protection-Act

Personal Data Protection Act 2012 (PDPA)” as defined by the Personal Data Protection Commission of Singapore (PDPC) and can be accessed here: https://www.pdpc.gov.sg/Legislation-and-Guidelines/Personal-Data-Protection-Act-Overview

“Project Roadmap”
an independent document to constitute the timeline and project milestones for implementation and delivery of all Specified Services as outlined in Schedule 1

“Provider Data”
is any data, materials, works pertaining to the Provider that may be shared with the Partner in relation to this Agreement

"Remedy Period" a period of fourteen (14) Business Days following any date on which the Partner may give to the Provider a notice that the Specified Services have failed the UAT, or such other period as the parties may agree in writing

"Schedule" any schedule attached to this Agreement

"Set-up Services" the provision of base specifications including configuration, implementation and
integration support in accordance with Schedule 1

"Specified Services" all or part of the FlexBank/ Services, which will be made available by the Provider to the Partner via secure digital API connections including the application and database
software, the system and server software, the technical documentation and support, and the reporting tools for business management in accordance with this Agreement and as specified in Schedule 1

Software Code” including object code, intermediate code and source code

"Support Services" support in relation to the use of, and the identification and resolution of errors in, the Specified Services, but shall not include the provision of training

"Term" the term of this Agreement, commencing and ending in accordance with clause 1 “Territory" refers to Singapore“Test App" the App provided by the Provider to the Partner for demonstration and UAT testing "Update" a hotfix, patch or similar update to the Specified Services"Upgrade" a version upgrade of the Specified Services

User” the registered user of the Partner including both administrator accounts and user accounts

Vulnerability Testing” identifying potential vulnerabilities in Network devices such as firewalls, routers, switches, servers and applications

Whitelisting” In this Agreement, it refers to IP whitelisting, a security feature used for limiting and controlling access only to trusted users


1. TERM

1.1. This Agreement shall remain in force from the Effective Date to the end of 3 years from Go-live date.
1.2. Unless terminated earlier as provided in clause 17 or parties mutually agree for extension or new agreement in place, the Agreement shall be automatically renewed for successive period of twelve (12) months, unless either party gives written notice to the other party not to renew with 90 days’ notice.

2. SET-UP PROCEDURE
2.1.
The Provider shall provide Set-up Services to the Partner as per Schedule 1, using all reasonable endeavours to ensure that the Set-up Services are provided accordingly.
2.2. The Partner acknowledges that a delay in the Partner performing its obligations in this Agreement may result in a delay in the performance of the Set-up Services; and subject to clause 17.1 the Provider will not be liable to the Partner in respect of any failure to meet the Project Roadmap to the extent that the failure arises out of a delay in the Partner performing its obligations under this Agreement or delay related to regulatory approvals which is beyond the control of the Provider.

3. ACCEPTANCE PROCEDURE
3.1.
During each Acceptance Period, the Partner shall carry out the UAT in accordance with the Acceptance Criteria.
3.2.
The Provider shall provide to the Partner with such assistance in relation to the carrying out of the acceptance tests as the Partner may reasonably request.
3.3. Before the end of each Acceptance Period, the Partner shall give to the Provider a written notice specifying whether the Specified Services have passed or failed the UAT.
3.4. If the Partner fails to give to the Provider a written notice in accordance with clause 3.3, then the Specified Services shall be deemed to have passed the UAT.
3.5. If the Partner notifies the Provider that any Specified Services have failed the UAT, then the Partner must at the same time provide full written details of the results of the identified failure with reference to the Acceptance Criteria as agreed in Schedule 3 of this Agreement.
3.6. In case of a UAT failure notification:3.6.
(a) If the Provider agrees with the Partner that the Specified Services do not comply with the Acceptance Criteria, then the Provider must rectify the issue before the end of the Remedy Period for a further round of UATs; or
(b) If the Provider does not agree with the Partner that the Specified Services do not comply with the Acceptance Criteria, then the parties must convene before the expiry of the Remedy Period and use their best endeavours to reach an agreement whether the UAT has failed, and if so, appropriate a plan of action reasonably satisfactory to both parties, and they must record any agreement reached in writing.

4. SPECIFIED SERVICES
4.1.
The Provider hereby grants to the Partner a non-exclusive licence to use the Specified Services in accordance with this Agreement during the Term in the Territory.
4.2. Except to the extent expressly permitted in this Agreement or required by law on a non- excludable basis, the licence granted to the Partner under clause 4.1 is subject to the following prohibitions:
(a) The Partner must not sub-license, directly or indirectly, its right to access and use the Specified Services;
(b) The Partner must not permit any unauthorised person(s) to access and/or use the Software Services;
4.3. The Partner must ensure that all authorised persons using the Specified Services with the authority of the Partner or by means of a User account comply with schedule 3.
4.4. The Partner must ensure that its use of the Specified Services does not cause damage or impairment to the availability or accessibility of the same in any way.
4.5. The Partner must not use the Specified Services:
(a) In any way that is illegal, fraudulent or harmful; or
(b) In connection with any illegal, fraudulent or harmful purpose or activity.
4.6. The Partner has no right to access the Software Code of the Specified Services, either during or after the Term.
4.7. Vulnerability Testing on the hosting server to be conducted by third party service provider including certification.

5. CUSTOMISATIONS
5.1.
The Provider and the Partner may agree during the Term that the Provider shall design, develop and implement Customisations agreed in writing by the parties.
5.2. All Intellectual Property in the Customisations shall be the exclusive property of the Provider.
5.3. The Customisation shall be subsumed into the Specified Services from the time and date it is made available to the Partner, and accordingly from that period the Partner's rights to use the Customisation shall be governed by clause 4.

6. MAINTENANCE
6.1.
The Provider shall provide Maintenance Services to the Partner during the Term of this Agreement as per the SLA provided in schedule
6.2. The Provider may suspend the provision of the Maintenance Services if any amount due to be paid by the Partner to the Provider under this Agreement is overdue, and the Provider has given to the Partner at least thirty (30) days' written notice, following the amount becoming overdue, of its intention to suspend the Maintenance Services on this basis.

7. AVAILABILITY & SUPPORT
7.1.
The Provider shall use all commercially reasonable endeavours to ensure that the Specified Services are available as per the industry standards in the Provider’s industry.
7.2. While the Provider shall endeavour to make available the Specified Services, the Partner acknowledges and agrees that the following exceptions may disrupt the availability of the Specified Services, and as such indemnifies the Provider against such exceptions:
a) A Force Majeure Event;
b) A fault or failure of the internet or any public telecommunications network or third- party system or Network;
c) A fault or failure of the Partner's computer systems or networks;
d) Any breach by the Partner of this Agreement;
e) Scheduled Maintenance Services carried out in accordance with this Agreement;
f) Unauthorized and malicious internet attacks by unknown third parties;
g) Unverifiable/Untraceable negative end-user feedback or experience.
7.3. The Provider shall provide the Support Services to the Partner during the Term with best endeavour to align with the standards of skill reasonably expected from a service provider in the Provider's industry.
7.4. The Provider may suspend the provision of the Support Services if any amount due to be paid by the Partner to the Provider under this Agreement is overdue, and the Provider has given to the Partner at least thirty (30) days written notice, following the amount becoming overdue, of its intention to suspend the Support Services on this basis.

8. APPS
8.1.
The Provider acknowledges and agrees that the Partner may integrate the Specified Services into an existing or new Partner App to be developed either:
(a) By the Partner or;
(b) At the Partner’s cost by a Partner appointed third-party developer or;
(c) At the Partner’s cost and developed by the Provider, excluding the sharing of the Software Code.
8.2. The parties acknowledge and agree that in the case of 9.1 (a) and (b):
a) the Partner will submit to the Provider the test version of the Partner App to be reviewed and approved by the Provider, and the final version of the Partner App will only be released subject the incorporation of the modifications/ additions required by the Provider;
b) The Partner must submit its App, including Upgrades, for Vulnerability Testing and Penetration Testing prior to release either by Provider as per the third party service cost in Schedule 2 or by an approved third party vendor;
c) the parties' respective rights and obligations in relation to the Partner App and any liabilities of the Provider arising out of the use of the Partner App shall be subject to agreed terms and conditions, and accordingly this Agreement shall not govern any such use, rights, obligations or liabilities of the Partner App on the Provider. The Partner must however ensure that the development and usage of the Partner App is at all times subject to the terms of this Agreement.
8.3. The parties acknowledge and agree that in the case of a Partner App developed by the Provider as per 8.1 (c):
(a) Compulsory Vulnerability Testing and Penetration Testing prior to release will be provided by the Provider as per Schedule 2;
(b) the parties' respective rights and obligations in relation to the Partner App and any liabilities of the Provider arising out of the use of the Specified Services by the Partner App shall be subject to the terms and conditions of this Agreement and any further Changes will be mutually agreed in writing.
8.4. The Partner App shall contain the terms and conditions as provided by the Provider in relation to the use of FlexBank/ Services. The Partner App shall also contain the terms and conditions as provided by the license holder in relation to the use of theProvider’s partner products.
8.5. Where mandatory, for regulatory compliance reasons, the Partner App and marketing collateral shall contain the Provider branding as “Powered by FlexM” and the Provider’s partner product’s branding for the Provider’s partner products, where applicable, and as communicated by the Provider to the Partner, from time to time.

9. INTELLECTUAL PROPERTY
9.1. The Partner acknowledges and agrees that the Provider owns all the Intellectual Property of the Specified Services. Except as expressly stated herein, this Agreement does not grant the Partner any rights to, or in, patents, copyrights database rights, trade secrets, trade names, trademarks (whether registered or unregistered), or any other rights or licences in respect of the Specified Services.
9.2. To the extent that any Changes are carried out under or in connection with this Agreement by the Provider, all Intellectual Property rights to such underlying ideas and in any resulting improvements or modifications shall be assigned to and shall vest with and be solely owned by the Provider, unless agreed in writing by both parties.
9.3. Nothing in this Agreement shall operate to assign or transfer any Intellectual Property from the Provider to the Partner, or vice versa.

10. CHANGE CONTROL
10.1. Either party may request a Change at any time via a written notice of a Change request
10.2. A party in receipt of a Change request may:
(a)Accept the Change with or without additional cost;
(b)Reject the Change;
(c)Propose an amendment or alternative.
10.3. A Change will not take effect until it has been mutually agreed and signed by each party.

11. PAYMENTS & TAXES
11
.1. The Partner will make payments to the Provider as per the Charges in Schedule
11.2. All payments shall be made in SGD currency to the designated bank account indicated in the invoice within seven (7) Business Days by electronic funds transfer.
11.3. All payments other than set up fees will be billed to the partner effective the Go-live date.
11.4. Except as specifically prescribed in this Agreement, each party is individually responsible for their own taxes payable in connection with this Agreement
11.5.
All payments shall be paid in full, free of all deductions and withholdings of any kind except where any deduction or withholding is required by law.
11.6. In case of termination of this Agreement by the Partner before the completion of the Minimum Term, and not withstanding clause 18, the Partner must continue to make the minimum transaction fee payment to the Provider as per Schedule 2, for the remainder of the Minimum Term

12. CONFIDENTIALITY OBLIGATIONS
12.1. Each party undertakes that it shall use all reasonable endeavours to keep confidential the other party's Confidential Information and shall not:
a)use such Confidential Information except for the purpose of exercising or performing its rights and obligations under this Agreement; or
b)disclose such Confidential Information in whole or in part to any third party, except as expressly permitted in this Agreement
12.2.
The Provider will be allowed to disclose such Confidential information to its service providers, license holders and Affiliates as required for the purpose of facilitating the Specified Services
12.3.
The receiving party shall not disclose any Confidential Information to any person, except for information that is;
a) part of the public domain;
b) becomes part of the public domain other than through the fault of the party receiving the information;
c) already known by the receiving party at the time of disclosure;
d) required to be disclosed to third parties according to any applicable law; and/or
e) independently developed by the receiving party provided that the receiving party can reasonably demonstrate its development of such information did not make use of information provided by the disclosing party.
12.4. Except as expressly stated in this Agreement, neither party makes any express or implied warranty or representation concerning its Confidential Information.
12.5. The parties shall fully and effectively indemnify, keep indemnified and hold harmless each party and its Affiliates from and against, and agrees to pay on demand, any and all losses, liabilities, damages, costs, fines, penalties, claims and expenses (including legal fees on a full indemnity basis and other professional advisors’ fees, and disbursements and costs of investigation, litigation, settlement, judgment, interest, penalties and remedial actions) incurred by or awarded against or imposed on the Provider as a result of or in connection with any breach of this clause
12.6.The restrictions in this clause 12 do not apply to the extent that either party’s Confidential Information is required to be disclosed by any law or regulation, by any judicial or governmental order or request, or pursuant to disclosure requirements relating to a stock listing on a recognised stock exchange.
12.7.Upon the termination of this Agreement, each party must immediately cease to use the other party’s Confidential Information.
12.8.Within ten (10) Business Days following the date of termination of this Agreement, each party must destroy or return to the other Party (at the other Party’s option) all media containing Confidential Information and must irrevocably delete the other’s Confidential Information from its systems and records (physical and electronic), unless otherwise required by regulators or local laws.
12.9.The provisions of this clause 12 shall continue in force for a period of three (3) years following the termination of this Agreement.

13. DATA PROTECTION
13.1.
The Partner warrants to the Provider that it has the legal right to disclose all Partner Data that it does in fact disclose to the Provider under or in connection with this Agreement.
13.2.The Provider warrants to the Partner that:
(a) It will act only on instructions from the Partner in relation to the processing ofPartner Data;
(b) It will only process the Partner Data for the purposes of performing its obligations and exercising its rights under this Agreement;
(c) It will collect, process, store and transmit the Partner Data in compliance with thePDPA.
13.3.The Partner hereby grants to the Provider a non-exclusive licence to copy, reproduce, store, distribute, publish, export, adapt, edit and translate the Partner Data to the extent reasonably required for the performance of the Provider's obligations and the exercise of the Provider's rights under this Agreement.
13.4.The Partner warrants to the Provider that the Partner Data when used by the Provider in accordance with this Agreement will not infringe the Intellectual Property rights or other legal rights of any person, and will not breach the provisions of any law, statute or regulation, in any jurisdiction and under any applicable law.
13.5.The Provider shall ensure that access to the Partner Data is limited to those personnel who have a reasonable need to access in order to enable the Provider to perform its duties under this Agreement; any access to the Partner Data must be limited to such part(s) of the Partner Data as is strictly necessary.
13.6.Any Provider Data shared with the Partner, shall only be stored, processed and transmitted by the Partner for the purposes of performing its obligations under this Agreement and in compliance with the PDPA.

14. WARRANTIES
14.1.
Each party warrants that:
(a) The party has the legal right and authority to enter into this Agreement and to perform its obligations under this Agreement;
(b) The party will comply with all applicable legal and regulatory requirements applying to the exercise of the party's rights and the fulfilment of the party's obligations under this Agreement;
(c) The party has access to all necessary know-how, expertise and experience to perform its obligations under this Agreement.
14.2.Each party warrants to the other party that the Specified Services, when used in accordance with this Agreement, will not breach any laws, statutes or regulations applicable under local law in the Territory.
14.3.The Provider warrants to the Partner that:
(a) The Specified Services will conform in all material respects with the Schedule 1;
(b) The Specified Services will incorporate security features reflecting the requirements of good industry practice.
14.4.The Partner shall make reasonable security arrangements to protect Partner Data in its possession or under its control, to prevent unauthorised access, collection, use, disclosure, copying, modification, deletion or similar risks.
14.5.The parties' warranties and representations in respect of the subject matter of this Agreement are expressly set out herein. To the maximum extent permitted by applicable law, no other warranties or representations concerning the subject matter of this Agreement will be implied into this Agreement or any related contract.

15. ACKNOWLEDGEMENTS AND WARRANTY LIMITATIONS
15.1.
The Partner acknowledges that complex software is never wholly free from defects, errors and bugs; and subject to the other provisions of this Agreement, the Provider gives no warranty or representation that the Specified Services will always be wholly free from Defects.
15.2.The Partner acknowledges that complex software is never entirely free from security vulnerabilities; and subject to the other provisions of this Agreement, the Provider gives no warranty or representation that the Software Services will always be entirely secure.
15.3.The Partner acknowledges that the Specified Services are designed to be compatible only with the software and systems specified in Schedule 1; and the Provider does not warrant or represent that the Specified Services will be compatible with any other software or systems.

16. LIMITATIONS AND EXCLUSIONS OF LIABILITY
THE PARTIES ACKNOWLEDGE AND AGREE THAT THE COMMERCIAL PERFORMANCE OF PROPOSED PRODUCTS USING FlexBank/ SERVICES DEPENDS ON NUMEROUS FACTORS BEYOND THE PARTIES CONTROL. PARTIES DO NOT MAKE ANY, AND EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES AS TO THE PROFITS, REVENUES, ROYALTIES, FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, NON-INFRINGEMENT OR POTENTIAL SUCCESS OF THE SOFTWARE AND NO LIABILITY SHALL BE IMPOSED UPON THE OTHER PARTY BASED ON ANY CLAIM THAT (I) MORE SALES OR REVENUE COULD HAVE BEEN MADE OR EARNED AND/OR (II) BETTER PRICES, RATES, COMMISSIONS OR TRANSACTIONS COULD HAVE BEEN OBTAINED. EXCEPT AS MAY OTHERWISE BE EXPRESSLY DESCRIBED HEREIN, EITHER PARTY IS NOT OBLIGATED TO COMMENCE OR CONTINUE THE EXHIBITION, DISTRIBUTION, MARKETING, ADVERTISING, PROMOTION, SALE. PARTIES EXPRESSLY WAIVE AND RELINQUISH ANY AND ALL CLAIMS AND LIABILITIES OF ANY KIND AGAINST THE OTHER PARTY ARISING FROM THIS AGREEMENT, EXCEPT CLAIMS AGAINST OTHER PARTY ARISING FROM ITS WILFUL AND INCURRED BREACH OF THIS AGREEMENT.
EXCEPT TO THE EXTENT OF EACH PARTY’S OBLIGATIONS TO PROTECT THE CONFIDENTIAL INFORMATION OF THE OTHER PARTY UNDER THIS AGREEMENT AND TO COMPLY WITH THE SCOPE OF THE LICENCES GRANTED HEREUNDER, IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER PARTY, OR ANY OTHER PERSON OR ENTITY FOR ANY SPECIAL, CONSEQUENTIAL, INDIRECT, INCIDENTAL OR RELIANCE DAMAGES (OR ANY LOSS OF ACTUAL OR ANTICIPATED REVENUE, PROFITS, INFORMATION OR DATA) ARISING OUT OF THIS AGREEMENT OR ITS TERMINATION, WHETHER FOR BREACH OF WARRANTY OR ANY OBLIGATION ARISING THEREFROM OR OTHERWISE, WHETHER LIABILITY IS ASSERTED IN CONTRACT OR TORT (INCLUDING NEGLIGENCE AND STRICT PRODUCT LIABILITY), AND IRRESPECTIVE OF WHETHER THE PARTIES HAVE ADVISED OR BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH LOSS OR DAMAGE. PARTIES ACKNOWLEDGE AND AGREES THAT THE FOREGOING LIMITATIONS ARE AN ESSENTIAL ELEMENT OF THE CONTRACT BETWEEN THE PARTIES AND IN THEIR ABSENCE THE ECONOMIC TERMS OF THIS AGREEMENT WOULD BE SUBSTANTIALLY DIFFERENT.


16.1. Nothing in this Agreement will:
(a) Limit or exclude any liability for death or personal injury resulting from negligence;
(b) Limit or exclude any liability for fraud or fraudulent misrepresentation;
(c) Limit any liabilities in any way that is not permitted under applicable law; or
(d) Exclude any liabilities that may not be excluded under applicable law.
16.2.The limitations and exclusions of liability set out in this clause 16 and elsewhere in this Agreement govern all liabilities arising under this Agreement or relating to the subject matter of this Agreement, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in this Agreement.
16.3.Neither party shall be liable to the other party in respect of any losses arising out of a Force Majeure Event, or any loss of profits or anticipated savings, or any loss of revenue or income, or any loss of use or production, or any loss of business, contracts or opportunities or any special, indirect or consequential loss or damage.
16.4.The liability of each party to the other party under this Agreement in respect of any event or series of related events shall not exceed the greater of:
(a) The total amount paid and payable by the Partner to the Provider under this Agreement in the Twelve (12) month period preceding the commencement of the event or events.
16.5. However, subject to the limitation under clause 16.4, in the event of dispute reaching to the court or arbitration, as the case may be, it is agreed that the aggregate liability of each party to the other party under this Agreement shall not exceed the greater of:
(a) The total amount paid and payable by the Partner to the Provider up to the date that those liabilities are confirmed by court/arbitration centre.
(b) The total amount paid and payable by the Provider to the Partner up to the date that those liabilities are confirmed by court/arbitration centre.

17. TERMINATION
17.1. (a) Either party may terminate this Agreement by giving to the other party of not less than Ninety (90) days' written notice of termination after the end of the Minimum Term;
(b) During the Set-up and Acceptance/ UAT stages, either party may terminate this Agreement, subject to clause 16, with a 60-day written notice in the event of repeated non-performance by the other party.
17.2. Either party may terminate this Agreement immediately by giving written notice of termination to the other party if:
(a) The other party commits any material breach of this Agreement and the breach is not remediable;
(b) The other party:
(i) Is dissolved;
(ii) Ceases to conduct all (or substantially all) of its business;
(iii) Is or becomes unable to pay its debts as they fall due;
(iv) Is or becomes insolvent or is declared insolvent;
(c) An administrator, administrative receiver, liquidator, receiver, trustee, manager or similar is appointed over any of the assets of the other party.
17.3.The Provider may terminate this Agreement immediately by giving written notice to the Partner if any amount due to be paid by the Partner to the Provider under this Agreement is unpaid by the due date and remains unpaid upon the date that written notice of termination is given.
17.4.Either Party may terminate this Agreement with immediate effect if the other party or it employees, agents or affiliates defames, abuses, harasses or threatens or otherwise compromises the dignity of the staff of the other party.
17.5.Either Party may terminate this Agreement or amend its contractual obligations upon thirty (30) days written notice to the other party upon the issuance or recognition of any law, order, rule, or regulation by any regulatory authority that is controlling or binding on the notifying party prohibiting any or all of the use of the FlexBank/ Services or the continued provision of Specified Services becomes unprofitable, undesirable, and/or unduly restrictive to the business of the Provider.

18. EFFECTS OF TERMINATION
18.1. Upon the termination of this Agreement, all of the provisions of this Agreement shall cease to have effect, save that the following provisions of this Agreement shall survive and continue to have effect (in accordance with their express terms or otherwise indefinitely): Glossary; clauses 4, 12, 14, 16, 19 - 29.
18.2.Except to the extent that this Agreement expressly provides otherwise, the termination of this Agreement shall not affect the accrued rights of either party.
18.3.Within thirty (30) days following the termination of this Agreement for any reason:
(a)The Partner must pay to the Provider any Charges in respect of the SpecifiedServices provided to the Partner before the termination of this Agreement;
(b)The Provider must refund to the Partner any Charges paid by the Partner to the Provider in respect of Specified Services that were to be provided to the Partner after the termination of this Agreement, without prejudice to the parties' other legal rights.

19. NON-SOLICITATION OF PERSONNEL
19.1. Either party must not, without the prior written consent of the party, either during the Term or within the period of six (6) months following the end of the Term, engage, employ or solicit for engagement or employment any employee or subcontractor of the other who has been involved in any way in the negotiation or performance of this Agreement.

20. NOTICES
20.1.Any notice given under this Agreement may be sent by email and/or with a printed copy sent by courier and a party receiving from the other party a notice by email must acknowledge receipt by email promptly, and in any event within two (2) Business Days following receipt of the notice.

21. ASSIGNMENT
21.1 Either party must not assign, transfer or otherwise deal with the contractual rights and/or obligations under this Agreement without the prior written consent of other party, such consent not to be unreasonably withheld or delayed, provided that each party may assign the entirety of its rights and obligations under this Agreement to any Affiliate of said party or to any successor to all or a substantial part of the business of the said party from time to time.


22. NO WAIVERS
22.1.No breach of any provision of this Agreement will be waived except with the express written consent of the party not in breach.
22.2.No waiver of any breach of any provision of this Agreement shall be construed as a further or continuing waiver of any other breach of that provision or any breach of any other provision of this Agreement.

23. SEVERABILITY
23
.1. If a provision of this Agreement is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. The parties shall use reasonable endeavours and good faith to agree upon a new provision that shall as nearly as possible have the same commercial effect as the void, invalid, illegal or unenforceable provision.

23.2. If any unlawful and/or unenforceable provision of this Agreement would be lawful or enforceable if part of it were deleted, that part will be deemed deleted, and the rest of the provisions will continue in effect.

24. THIRD PARTY RIGHTS
24.1.
This Agreement is for the benefit of the parties and is not intended to benefit or be enforceable by any third party.
24.2. The exercise of the parties' rights under this Agreement is not subject to the consent of any third party.

25. VARIATION
25.1.
This Agreement may not be varied except by means of a written document signed by each party, without prejudice to the requirements of clause 10.

26. ENTIRE AGREEMENT
26.1.
The main body of this Agreement and the schedules shall constitute the entire contract between the parties in relation to the subject matter of this Agreement, and shall supersede all previous agreements, arrangements and understandings between the parties in respect of that subject matter.
26.2.This Agreement may be executed in several counterparts, each of which shall be an original but all of which shall together constitute one and the same Agreement.
26.3. Neither party will have any remedy in respect of any misrepresentation (whether written or oral) made to it upon which it relied in entering into this Agreement.

27. LAW AND DISPUTE RESOLUTION
27.1.
This Agreement and any and all amendments thereto shall be governed exclusively by and construed in accordance with the substantive laws of the Republic of Singapore.
27.2. If there is any dispute in connection with this Agreement, the parties will resolve the dispute through negotiation and conciliation within fifteen (15) Business Days. In case the negotiation and conciliation are not successful, the dispute shall be referred by either party and finally settled by the Singapore International Arbitration Centre (‘SIAC’) in Singapore in accordance with the Arbitration Rules of SIAC and the language of the arbitration shall be English.
27.3. Any disputes relating to this Agreement shall be subject to arbitration.


28. INTERPRETATION
28.1.
In this Agreement, a reference to a statute or statutory provision includes references to:
(a) that statute or statutory provision as modified, consolidated and/or re-enacted from time to time;
(b) any subordinate legislation made under that statute or statutory provision.
28.2. The clause headings do not affect the interpretation of this Agreement.
28.3. In this Agreement, general words shall not be given a restrictive interpretation by reason of being preceded or followed by words indicating a particular class of acts, matters or things.

29. CONTRACTUAL NOTICES & REPRESENTATIVES
29.1.
Parties will notify each other in writing or by email if there are any changes to their respective representatives as stated below.

Schedule 3: ACCEPTABLE USE POLICY

1. Introduction

1.
This acceptable use policy sets out the rules governing:

(a) The use of FlexBank including white label eWallets, mobile apps, digitalised money transfer software, APIs and back office platform; any successor thereof;
(b) The use of the FLEXM Services including QR code based payments, online shopping using payment cards, domestic money transfers/ P2P, mobile airtime load, rewards, multiple top-up channels and other partner products, and other products added as and when by the Provider;
(c) The transmission, storage and processing of content or data, apps or other services developed by the Partner, or by any person/entity on their behalf, pertaining to the use of the FlexBank/ Services;

2. General Usage Rules


1. The Partner must not use the FlexBank/ Services in any way that causes, or may cause, damage or impairment of their availability or accessibility.
2. The Partner must not use the FlexBank/ Services:
(a) In any way that is unlawful, illegal, fraudulent or harmful; or
(b) In connection with any unlawful, illegal, fraudulent or harmful purpose or activity;

3. Unlawful Content


1. The Partner content must not be illegal or unlawful, must not infringe any person's legal rights, and must not be capable of giving rise to legal action against any person (in each case in any jurisdiction and under any applicable law).
2. Content, and the use of Content by the Provider in any manner licensed or otherwise authorised by the Partner, must not:
(a) Infringe any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right;
(b) Infringe any right of confidence, right of privacy or right under applicable data protection legislation;
(c) Constitute negligent advice or contain any negligent statement;
(d) Constitute an incitement to commit a crime, instructions for the commission of a crime or the promotion of criminal activity;
(e) Be in contempt of any court, or in breach of any court order;
(f) Constitute a breach of racial or religious hatred or discrimination legislation;
(g) Be blasphemous;
(h) Constitute a breach of official secrets legislation; or
(i) Constitute a breach of any contractual obligation owed to any person2. The Partner must ensure that content is not and has never been the subject of any threatened or actual legal proceedings or other similar complaint.

4. Graphic/ Inappropriate Material


4.1 Content must be appropriate for all persons who have access to or are likely to access the content in question. Content must not be violent, pornographic or sexually explicit, obscene or indecent in nature.

5. Factual Accuracy

1. Content must not be untrue, false, in accurate, misleading, libellous, or maliciously false.
2. Statements of fact contained in Content and relating to persons (legal or natural) must be true; and statements of opinion contained in Content and relating to persons (legal or natural) must be reasonable, must be honestly held and must indicate the basis of the opinion.

6. Negligent Advice


1. Unless specifically allowable in Territory, content must not consist of or contain any legal, financial, investment, taxation, accountancy, medical or other professional advice.
2. Content must not consist of or contain any advice, instructions or other information that may be acted upon and could, if acted upon, cause death, illness or personal injury, damage to property, or any other loss or damage.

7. Etiquette

1. Content must be appropriate, civil and tasteful, and accord with generally accepted standards of etiquette and behaviour on the Internet.
2. Content must not be offensive, deceptive, threatening, abusive, harassing, menacing, hateful, discriminatory or inflammatory.
3. The Partner must ensure that content does not duplicate other content available through the Services unless you have permission to do so.

8. Marketing and Spam

1. The Partner must not without the Provider’s written permission use the FlexBank/ Services for any purpose relating to the marketing, advertising, promotion, sale or supply of any product, service or commercial offering or which are not in accordance with this Agreement.
2. Content must not constitute or contain spam, and the Partner must not use the FlexBank/ Services to store or transmit spam- which for these purposes shall include all unlawful marketing communications and unsolicited commercial communications.
3. The Partner must not use the FlexBank/ Services to promote or operate any chain letters, Ponzi schemes, pyramid schemes, matrix programmes, or similar schemes.

9. Gambling

9.1 The Partner must not use the Services for any purpose relating to gambling, gaming, betting, lotteries, sweepstakes, prize competitions or any gambling-related activity unless explicitly authorised to do so in the Territory and agreed in writing.

10. Monitoring


10.1The Partner must acknowledge that they may be actively monitored for the content and the use of the FlexBank/ Services for purposes of meeting the obligations under the Agreement.

11. Data Mining


11.1The Partner must not conduct any systematic or automated data scraping, data mining, data extraction or data harvesting, or other systematic or automated data collection activity, by means of or in relation to the FlexBank/ Services.

8. Hyperlinks

12.1The Partner must not link to any material using or by means of the FlexBank/ Services FaaS that would breach the provisions of this policy and the Agreement.

9. Harmful Software

13.1The content must neither contain, nor promote or distribute any viruses, malware, spyware, adware or other harmful or malicious software, programmes, routines, applications or technologies that may have a material negative effect upon the performance of a computer or introduce material security risks to a computer/device

SCHEDULE 4: MAINTENANCE SLA
1. Introduction
1.1. This schedule 4 sets out the service levels agreement for the Maintenance Services.

2. Scheduled Maintenance Services
2.1. The Provider shall where practicable give to the Partner at least five (5) Business Days prior communication of scheduled Maintenance Services that are likely to affect the availability of the Specified Services or are likely to have a material performance impact upon the Specified Services, without prejudice to the Provider's other notice obligations under this schedule
2.2. The Provider shall provide all scheduled Maintenance Services outside Business Hours where practical

3. Updates
3.1. The Provider shall give to the Partner written notice of the application of any security Update to the Specified Services and at least five (5) Business Days prior written notice of the application of any non-security Update.
3.2. The Provider shall apply Updates as follows:
(a) Third party security Updates shall be applied promptly following release by the relevant third party, providing that the Provider may acting reasonably decide not to apply any particular third-party security Update;
(b) The Provider's security Updates shall be applied promptly following the identification of the relevant security risk and the completion of the testing of the relevant Update;
(c) Other Updates shall be applied in accordance with any timetable notified by theProvider to the Partner or agreed by the parties from time to time.

4. Upgrades
4.1. The Provider may produce Upgrades in the form of various releases during the Term.
4.2. The Provider shall give to the Partner at least five (5) Business Days prior notice of the application of an Upgrade to the Specified Services.
4.3. The Provider shall apply each Upgrade within any period notified by the Provider to the Partner or as agreed by the parties.
(a) Maintenance Releases: The Provider may provide periodic maintenance releases. Maintenance releases are generally available release of software that only provides error corrections. Such a release shall be denoted by a change in the digit to the right of the second decimal point - for example, 3.0.0 to 3.0.1.
(b) Minor Releases: Provider may provide periodic minor releases. A minor release is a generally available release of the software that provides enhancements designated minor by the Provider, as well as bug fixes (error corrections). Such a release shall be denoted by a change in the digit to the right of the first decimal point - for example, 3.0 to 3.1
(c) Major Releases: Provider may provide periodic major releases. Major releases are generally available releases of the software that provides enhancements designated major by Provider, as well as minor new enhancements and error corrections. Such a release is denoted by a change in the digit to the left of the first decimal point - for example, 3.0 to 4.0.

Privacy

This Privacy Policy (the “Policy“), as may be amended, modified and supplemented from time to time, applies to all users or visitors (“you“) accessing or using the FLEXM WALLET mobile app and website comprising all webpages located at www.flexm.com (collectively, the “Site”). It describes how FLEXM PTE. LTD.  (thereafter referred to as “FLEXM“), and its subsidiaries (“we”, “us”, “our”) collect, use, disclose, transfer and store your personal information. All capitalized terms used in this Policy has the same meaning as those ascribed in the Terms & Conditions unless otherwise stated or defined herein. By accessing the Site, sharing your information or registering as a user of our Services, you are accepting this Policy and consenting to the collection, use and disclosure of your information disclosed to us in the manner as described in this Policy.

COLLECTION OF PERSONAL DATA
As part of accessing and using the Site and the Services, we may ask you to provide us with certain personally identifiable information (“Personal Data”). You must ensure that all the Personal Data you provide to us is accurate and complete. You may request access to your Personal Data within our possession or under our control at any time. Where there is any change to or inaccuracies in your Personal Data, you must promptly update us or correct your Personal Data in your User Account.

COOKIES
By accessing and using the Site and our Services, you consent to our use of cookies. For details please refer to our Cookie Policy.

USES OF PERSONAL DATA
FLEXM uses the collected Personal Data for various purposes, including, but not limited to:

  • fulfill the specific purpose for which the Personal Data was provided such as but not limited to: account registration; employment; vendor/ supplier/ other partnerships; merchant acquiring, etc.
  • provide, maintain, and improve the Site and the Services;
  • notify you about changes to the Site and the Services via short message service, e-mail, in-app notifications, or push notifications/pop-ups;
  • provide customer care and support;
  • monitor the usage of the Site and the Services;
  • detect, prevent, and address technical issues;
  • detect and protect users against illegal activity on the Site;
  • enforce these T&Cs; and
  • carry out any other purposes that are related or incidental to any of the foregoing purposes


MARKETING AND PROMOTIONS

We may use your Personal Data to send you marketing and promotional materials in relation to products and services offered by us by notifications such as short message service, electronic mail, in-app notifications, or push notifications/pop-ups. If you wish to unsubscribe to such notifications, you may click on the “unsubscribe” link in the relevant notification.For contracted partners/ vendors/ merchants, we may at our discretion display your name, logo, acronyms and other insignia in any material or medium for the advertisement, publicity and promotion of the Site and Services.

DISCLOSURE OF PERSONAL DATA
FLEXM works with third party companies and individuals to facilitate the provision of the Site and Services, provide the Services on our behalf, perform related services, and assist us in analyzing how the Site or Services are used (“Service Providers”).While we may disclose your Personal Data to our Service Providers, such disclosure will be limited to the extent reasonably necessary for the above purposes and will be done in compliance with the Personal Data Protection Act 2012 (“PDPA“). We have also taken reasonable measures to ensure that our Service Providers do not disclose or use your Personal Data for any other purpose.FLEXM may also disclose your Personal Data in good faith where it believes that such action is necessary to:

  • comply with its legal obligations
  • protect and defend the rights or property of FLEXM or users of the Site or Services
  • prevent or investigate possible wrongdoing in connection with the Site or Services
  • protect the personal safety of users of the Site or Services or the public
  • protect FLEXM against legal liability


TRANSFER OF PERSONAL DATA
Your Personal Data may need to be transferred out of Singapore, whether in the course of providing you with any Service or when storing your Personal Data on servers located outside Singapore. In creating a User Account and accessing and using the Site or Services, you are deemed to agree to the transfer of your Personal Data outside Singapore.FLEXM has taken reasonable steps to ensure that your Personal Data is processed, held, or otherwise handled in accordance with the PDPA and your Personal Data will not be transferred to another organization or country unless there are adequate controls in place, including controls relating to the security of your Personal Data. However, if your Personal Data needs to be transferred to countries that have less stringent personal data protection laws than Singapore in order to provide you with the Services, you are deemed to consent to such transfer in providing your Personal Data to us during your use of the Site or the Services.

RETENTION OF PERSONAL DATA
We will retain your Personal Data until the purpose for which that Personal Data was collected is no longer served by the retention of the Personal Data and the Personal Data does not need to be retained any longer for any legal or business purpose.

SECURITY OF PERSONAL DATA
The security of your Personal Data is important to us. We take reasonable security measures to keep your Personal Data safe and to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal, or other similar risks. However, no method of electronic transmission or electronic storage is fully secure. You hereby acknowledge and accept that while we strive to protect your Personal Data, we cannot guarantee its absolute security.

YOUR RIGHTS
You may contact our Data Protection Officer at dpo@flexm.com to (i) request to access or correct your Personal Data or (ii) request information on how your Personal Data may have been used or disclosed in the past year (subject to payment to any reasonable fee we may charge). However, please note that Singapore law allows us to refuse such requests under certain circumstances.You may also withdraw your consent to our collection, use, disclosure, storage, transfer, or processing of your Personal Data at any time, upon which we will cease all such activities relating to your Personal Data and procure that our data intermediaries and agents also cease collecting, using, or disclosing your Personal Data. Please note that this may affect our ability to provide, or prevent us from providing, you with any or all of the Services.

CUSTOMER FEEDBACK
If you have any questions, feedback, or complaints, please contact FLEXM via our customer service at support@flexm.com. If you have queries related to a particular transaction, please provide identifying information such as your name, telephone number, unique identification number, and details of the Transaction.

Security

E-Payments User Protection Guidelines
The Monetary Authority of Singapore (“MAS”) issued the E-Payments User Protection Guidelines (dated: 31-Jan-2019) with an aim to establish a common baseline protection offered by responsible financial institutions on a business-as-usual basis to individuals or sole proprietors from losses arising from isolated unauthorised transactions or erroneous transactions from the protected accounts of these account holders. 

The user protection guidelines stated below also cover various other cyber security threats and their countermeasures to protect FlexM users from cyber attacks.  

If you are an individual or sole proprietor holding a payment account, please take note of the following:


1. Cyber Security Guidelines 



Do’s

Don’ts

Internet Usage


Configure your home internet router with appropriate security settings.




Browse securely by using our official website or applications.




Log out of the site / Application when not in use.




Create unique passwords for eWallet applications / Financial Transactions that are different from those used on your social networking sites.  


Do not share your home WiFi access code & password with others.




Do not connect to public networks that are not secured/encrypted.




Do not save your User Name and Password in the browser.




Do not search for customer care contact details on search engines. These are often camouflaged by fraudsters.


Device Security


Always use the Apple store / Playstore to install FlexM products.




Always log out of the application, when not in use.




Disable option “File and Printer sharing.




Latest version of the web browser must be used on all your devices.




Device operating systems must be updated with the latest security updates provided by the Operating System provider.




Strong password with a combination of letters, symbols and numbers must be used for your Device.




Keep record of access code in a secured way, either in an electronic format or in any physical location undisclosed to others.   


Do not store your user name and password on your phone.




Do not use a jail-broken device to access FlexM products.




Do not disclose any access code (e.g. OTP, device passcode, password) to any third party.




Do not leave your device unlocked.




Do not install unknown applications or software.


Malware Protection


Avoid downloading files from unknown sources.




Install a strong anti-virus / anti-malware protection on all your devices.




Delete all junk emails and chain emails.   


Do not use unsecured or public networks to access FlexM applications.




Do not click any links provided in the email or download any contents from such emails.


Phishing / Vishing Protection


Exercise caution on unsolicited phone calls, emails, SMS.




If the caller / SMS / Email is suspicious, notify FlexM immediately to the contact details listed in our website.



Do not give your personal information to the person requesting the information on Phone / SMS / Email.




Do not click unknown links and delete the SMS / email immediately to avoid

accessing them in future.


Social Media Platforms






Restrict access to your profile information on Social Media sites to friends & families only.




Always verify genuineness of fund requests with friends / relatives or confirm by a phone call / physical meeting to be sure that their profile is not impersonated.



Do not share personal information details such as DoB, Full Name, phone number, address etc




Do not disclose Email ID details on the untrusted websites as this can result in phishing attempts and spams.


SIM Replacement Fraud


Contact your Mobile Phone Service provider if your outgoing / incoming call & SMS services are disabled or when your phone displays the message

“SIM not registered” or something similar.




Use Password or Pattern to secure your Mobile Devices.  


Do not share credentials pertaining to your SIM card.  

QR Scan Scam


Be cautious while scanning any QR codes using payment apps. QR codes have embedded

account details in them to transfer the amount to a particular account.



2. Transaction Alerts
Your mobile number and/or email ID used for activating your FlexM ewallet account is your registered Phone number/Email ID, to which all the outgoing transactional notifications will be sent by FlexM.  Make sure your correct contact details are updated to your ewallet account, so you can receive updates on all outgoing transactions

You must also enable your devices for receiving such outgoing transactional notifications for your monitoring. If you notice any fraudulent transactions in your ewallet account that you haven’t authorized, notify us immediately. 


3. Notifying un-authorized transactions
Any suspicious transaction or un-authorised transaction identified by you on the basis of transactional alert monitoring or by other means, must be notified immediately to FlexM by using any one of our reporting channels. Our customer service representatives will acknowledge receipt of your report by providing you with a reference number for the report recorded with us. 

Any delay in notifying us would be considered as gross negligence from your side, unless there is a proper justification provided. 

During our investigation, we may request from you, for more information regarding the un-authorised transaction(s) reported, which must be provided by you in a timely manner. Further, a police report may also be requested from you. 


4. Liabilities 
Any losses arising due to protected account-holder’s negligence, which includes non-adhering to the user protection guidelines will be the liability of the account holder. 


5. Relevant Links
Please note that the information stated above is not intended to be exhaustive, and as the Guidelines have an impact on your obligations, duties, and liability, we strongly urge you to visit the MAS link for more information:

e-Payments User Protection Guidelines by the Monetary Authority of Singapore

Cookies

Like most websites and apps, we use cookies. Cookies are small data files that allow us to recognise you as a user of our Site. Cookies are readable only by us and never store any of your User Account details. Cookies can’t scan or access your device data. By using the FLEXM website and/or mobile app (collectively, the “Site”) you agree to our use of cookies.

Which cookies do we use and why?

Session Cookies
Session cookies allow our Site to keep you logged in, and remember your information as you move from page to page, allowing you to proceed swiftly and easily. Session cookies show us where you spent your time in a particular session, how you arrived at the Site and how you navigate the Site. This helps us to give you the best possible user experience, and allows us make our Site better for you, for example, by showing you relevant ads.

Persistent Cookies
While session cookies expire at the end of your session, persistent cookies help us to remember you as a returning user of our Site. For example, we offer different languages on our Site. Persistent cookies allow us to remember your chosen language for future visits thus speeding up and enhancing your experience.

Analytical Cookies
We also use analytical cookies to help us keep track of number visitors to our Site and identify and analyse website trends, so that we can improve our Site where necessary. Analytical cookies do not identify you individually.

Third Party Cookies
Third parties such as advertising networks and web traffic analysis services, may also use cookies over which we have no control and this cookie policy does not cover their use.

How to manage cookies?
The help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling cookies can be used to turn off or adjust cookies. However, please be aware that should you block all cookies, you may not be able to use all or some parts of the Site properly.