1. These Terms

    1. These site terms of use govern your use and access to our website at www.zippie.com as well as any communication by email or otherwise you give us specific permission to contact you through by signing up for our newsletter (“Site”). Please note that use of any Zippie software solution and the use of our progressive web app and platform is not covered by these terms of use and are subject to acceptance of the end-user terms of service and privacy policy provided when signing up for your identity and wallet.

    2. By using our Site, you agree to these terms regardless of whether you are paying user or a non-paying visitor. If you are using our Site as a representative of an entity, you are agreeing to these terms on behalf of that entity.

    3. You should also read our Site Privacy Policy which sets out how we collect and use your personal information.

  2. About us and how to contact us

    1. We are DLT Technologies Pte. Ltd, a company registered in Singapore.

    2. For any questions or problems relating to our Site, our products or services or these terms, you can contact us at support@zippie.com

    3. As part of providing the Site, we may need to provide you with certain communications, such as service announcements and administrative messages. If you wish to opt out from receiving such communications which may affect your use of our Site, please contact our customer service team at support@zippie.com

    4. If we have to contact you, we will do so by telephone or by writing to you at the email address or postal address you provided to us.

    5. When we use the words "writing" or "written" in these terms, this includes emails.

  3. Changes of terms

    We may amend these terms from time to time by posting the updated terms on our Site. If we make material changes, we will notify you of the changes before they become effective. By continuing to use our Site and our services after the changes come into effect means that you agree to be bound by the revised policy.

  4. Availability of our services

    1. We are constantly changing and improving our Site and the products or services we provide. We may from time to time change or discontinue any of the products or services we offer, or add or remove functionalities or features, and we may suspend or stop certain products, services, functionalities or features altogether. If we discontinue certain products, services, functionalities or features, we will give you advance notice where reasonably possible.

    2. We reserve the right to limit your use of our Site and the services we provide, including the right to restrict, suspend or terminate your account if we believe you are in breach of these terms or are misusing our Site or any services we provide.

    3. We try our best to ensure that our Site is always available, but we do not guarantee that the operation of or access to our Site will be uninterrupted or continuous. Our Site may be interrupted for maintenance, repairs, upgrades, network or equipment failures

    4. You are responsible for configuring your information technology, computer programmes and platform or system in order to access our Site. We do not guarantee that our Site will be free from bugs or viruses.

  5. Use of the Site

    1. You must comply with all applicable laws and regulatory requirements, including privacy laws and intellectual property laws in using or accessing the Site.

    2. We give you a personal, worldwide, royalty-free, non-assignable, non-transferrable, non-sublicensable, non-exclusive and revocable licence to access and use our Site, including any software or application as part of the services we offer. This licence is for the sole purpose of enabling you to use and enjoy the benefit of our Site as provided by us and in the manner as permitted by these terms.

    3. This licence to use our Site will terminate if you do not comply with these terms or other additional terms or conditions imposed by us from time to time.

    4. You must not copy, modify, distribute, sell, lease, loan or trade any access to the Site or any data or information on it.

  6. Your rights

    1. You retain your rights to any information or content you submit, post or display on or through the Site (“Your Content”). By submitting, posting or displaying such content, you grant us a worldwide, non-exclusive, royalty-free licence (with the right to sublicense) to use, process, copy, reproduce, adapt, modify, publish, transmit, display and distribute such content in any and all media or through any distribution channels (now known or later developed), subject to applicable provisions in our Site Privacy Policy.

    2. You are responsible for your use of Your Content and any consequences thereof, including any consequences of the use of Your Content by other users or third parties. We are not responsible or liable for any use of Your Content, nor the use of any content or information submitted or posted by other users or visitors.

    3. You warrant that Your Content is not and will not infringe rights of any third parties and that you have all the necessary rights, power and authority to satisfy your obligations with regard to Your Content under these terms.

    4. If you believe your intellectual property rights have been infringed, please contact us by support@zippie.com.

  7. Our rights

    1. All intellectual property rights subsisting in the Site or the products or services we provide belong to us or have been lawfully licensed to us. All rights under applicable laws are hereby reserved. You must not upload, post, publish, reproduce, transmit or distribute any content or component of our Site in any way, or create any derivative works with respect to any such content or component.

    2. We may (at our discretion but are not obliged to) review content or information submitted or posted by users on our Site. We reserve the right to remove any content which we consider as offensive, harmful, deceptive, discriminative, defamatory or otherwise inappropriate or misleading, or content that we believe may be infringing rights of third parties. We do not endorse or support any views expressed by any users on our Site.

    3. Our name “Zippie” and our marks and logos are our trade marks (be it registered or unregistered) and may not be used without our express prior written consent.

  8. Feedback

    1. We value and welcome feedback on our Site. You agree that we are free to use, disclose, adopt and/or modify any feedback and any information (including any ideas, concepts, proposals, suggestions or comments) provided by you to use in connection with our Site or any products or services we offer, without any payment to you.

    2. You hereby waive and agree to waive any rights to claim for any fees, royalties, charges or other payments in relation to our use, disclosure, adoption and/or modification of any of your feedback.

  9. Limitation on liabilities

    1. Some countries or jurisdictions may not allow the disclaimers in this clause, in which case these disclaimers will not apply to you.

    2. To the fullest extent permitted by law, we (including our holding company(ies), subsidiaries, affiliates, directors, officers, employees, agents, representatives, partners and licensors (collectively, "Our Entities")) expressly limit our liabilities in connection with or arising out of the provision of the Site as follows:

      1. we provide the Site and any products or services we offer on an “as is” and “as available” basis, and your access to or use of our Site is at your own risk;

      2. we give no assurance, representation or warranty of any kind (whether express or implied) about the Site and any products or services we provide;

      3. we do not guarantee that the information or content you find on the Site is always accurate, truthful, complete and up-to-date;

      4. we expressly disclaim all warranties and representations (for example, warranties of merchantability, fitness for a particular purpose, and non-infringement);

      5. we are not responsible for any delay or disruption in our Site or any defect, viruses, bugs or errors; and

      6. we are not responsible for the conduct of or any content or information submitted or posted by any user of the Site (whether online or offline).

    3. To the fullest extent permitted by law, Our Entities are not liable to you or others for:

      1. any indirect, incidental, special, exemplary, consequential or punitive damages; or

      2. any loss of data, business, opportunities, reputation, profits or revenues, relating to the use of our Site or any products or services we offer.

    4. We do not exclude or limit our liability to you where it would be illegal to do so. This includes any of our liability for fraud or making fraudulent misrepresentation in operating the Site or providing the products or services we offer.

    5. If you are using the Site as a consumer, in some countries or jurisdictions you may have certain legal rights as a consumer. In such cases, nothing in these terms limit your legal rights as a consumer that may not be waived by contract

    6. Other than the types of liabilities that we cannot limit by law, the liabilities of Our Entities to you (on aggregate) are limited to the amount you have paid us (if any) for the use of our Site or for any products or services we offer over the last six (6) months.

  10. Your representation

    1. Our site is not intended for and may not be used by minors. By using our Site, you represent that you are an adult and that you are able to legally enter into contractual agreements

    2. If you are using the Site on behalf of an entity, by using the Site you represent that you have the necessary rights and authority to agree to these terms (and our Privacy Policy, Acceptable Use Policy and other documents referred to herein) on behalf of that entity.

  11. Indemnity

    1. You agree to indemnify and hold Our Entities harmless from and against all liabilities, damages, claims, costs (including legal fees and costs), and expenses in connection with or arising from (i) your breach of these terms, (ii) your use of our Site and/or (iii) any misrepresentation made by you

    2. You also agree to fully co-operate with us in the defence or settlement of any claim in relation to or arising out of our Site or these terms.

  12. Termination

    1. These terms will continue to apply until terminated by either you or us as follows.

    2. You may stop using the Site any time by deactivating unsubscribing to communication or not visiting our Site.

    3. We reserve the right to suspend or terminate your access to our Site, if we reasonably believe:

      1. you are in serious or repeated breach of these terms (including a prolonged failure to settle any payment);

      2. you are using the Site in a manner that would cause a real risk of harm or loss to us, other users, or the public;

      3. we are requested to do so by government or regulatory authorities or as required under applicable laws, regulations or legal processes; or

      4. our provision of the Site to you is no longer possible or commercially viable

      In any of the above cases, we will notify you by the email address (if applicable), unless we are prohibited from notifying you by law.

    4. Upon termination of your access, these terms will also terminate except for Clauses 9 to 16.

    5. Where we consider necessary to appropriate, we will report any breach of these terms (or the Acceptable Use POlicy) to law enforcement authorities and we will cooperate with such authorities by disclosing your identity and providing any information about you within our systems to them.

  13. Entire Agreement

    1. These terms constitute the entire agreement between any user and us in relation to the use of or any transactions on the Site. These terms supersede and extinguish all other agreements, promises, assurances, warranties, representations and understandings between any user and us, whether written or oral, in relation to the use of or any transactions on the Site

    2. You acknowledge that you will have no remedies in respect of any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these terms.

  14. Other important terms

    1. We may transfer our rights and obligations under these terms to another organisation. We will contact you to let you know if we plan to do this (if applicable). If you do not wish to continue the contract with the transferee, you may contact us to end the contract within one (1) calendar month of us informing you of the proposed transfer.

    2. You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

    3. If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates seperately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

    4. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the products, we can still require you to make the payment at a later date.

  15. Contact

    If you have any questions about these terms or the Acceptable Use Policy, please contact us by support@zippie.com

  16. Governing law and jurisdiction

    1. These terms are governed by and shall be construed in accordance with the laws of Singapore.

    2. The courts of Singapore shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these terms.

    3. Acceptable Use Policy

      As part of the terms of use, you agree to not misuse the Site or help anyone else to do so. For example, you agree to not do any of the following in connection with the Site:

      1. use our Site for unlawful or unauthorized purposes;

      2. re-sell or attempt to benefit in a commercial fashion from any data, content or information available on the Site;

      3. probe, scan, or test the vulnerability of any system or network;

      4. breach or otherwise circumvent any security or authentication measures or service use limits;

      5. access, tamper with, or use non-public areas or parts of the Site;

      6. interfere with or distrupt any user, host, or network, for example by sending a virus, trojan, worm, logic bomb, or any other material that is malicious or technologically harmful, overloading, flooding, spamming, or mail-bombing any part of the Site, or by scripting the creation of any content in such a maneer as to interfere with or create an undue burden on the Site;

      7. reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for the Site or any related technology that is not open source;

      8. access, search, or create accounts for the Site by any means (automated or otherwise) other than our publicly supported interfaces (for example, "scraping" or creating accounts in bulk) or attempt to do so;

      9. send unsolicited communications, promotions or advertisements, or spam;

      10. forge any TCP/IP packet header or any part of the header information in any email;

      11. send altered, deceptive, or false source-identifying information, including "spoofing" or "phishing";

      12. conduct surveys, contests, or pyramid schemes, or promote or advertise products or services without appropriate authorisation;

      13. abuse referrals or promotions;

      14. post, publish, upload, display, distribute, or share materials that are unlawful, inappropriate, profane, pornographic, obscene, indecent, libelous, defamatory, abusive, or knowingly false, and/or that infringe intellectual property rights;

      15. violate the letter or spirit of our terms of use;

      16. violate applicable laws or regulations in any way; or

      17. violate the privacy or infringe the rights of others.

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