These Terms and Conditions (“Terms”) govern your access to, and use of the websites, platforms, applications, products and services provided by PvX Partners Pte. Ltd. (“PvX”, “we”, “us” or “our”), including services provided through or in conjunction with applicable PvX group entities.

Our business activities include user acquisition financing and other financing solutions, card and payment-related programmes, predictive analytics, financial modelling, business intelligence and related technology services, including PvX Lambda and PvX Delta (collectively, the “Services”).

By accessing, browsing, registering for or using our websites or Services, you agree to be bound by these Terms. If you do not agree, you must immediately discontinue their use.

1. Acceptance of Terms

1.1 By accessing or using our websites or Services, you confirm that you have read, understood and agree to be bound by these Terms and all applicable laws and regulations.

1.2 Where you access or use our Services on behalf of an organisation, you represent and warrant that you have the necessary authority to bind that organisation to these Terms.

1.3 Certain Services, including financing facilities, card programmes and enterprise technology services, may require separate agreements. Such agreements govern the relevant commercial arrangements and prevail over these Terms to the extent of any conflict concerning those arrangements.

1.4 Nothing in these Terms, or your access to our Services, establishes a financing, investment, advisory, fiduciary or other regulated relationship unless expressly provided under a separate agreement.

1.5 PVX Capital Pte. Ltd. provides regulated services only where expressly identified, where lawfully permitted and under separate documentation where required. Nothing on or made available through the Services constitutes an offer, invitation or solicitation to subscribe for or acquire any interest in a fund, collective investment scheme, security or other capital markets product. Any licence or regulatory status held by PvX or an affiliate does not constitute approval, endorsement or recommendation by the Monetary Authority of Singapore of the Services, any output, financing or investment opportunity.

2. Changes to Terms

2.1 We reserve the right, at our sole discretion, to modify, amend or replace these Terms at any time.

2.2 The most current version will be published on our website with the applicable “Last Updated” date.

2.3 Your continued access to or use of our websites or Services following publication of changes constitutes acceptance of the revised Terms, subject to applicable law.

2.4 Changes to these Terms do not retrospectively amend separately executed financing, card-programme or other definitive agreements unless expressly agreed by the relevant parties.

3. Eligibility

3.1 Age Requirement: You must be at least 18 years old or the age of majority in your jurisdiction to access or use our websites or Services.

3.2 Business Use: Our Services are primarily intended for businesses and their authorised representatives. Certain products or Services may be subject to additional eligibility requirements.

3.3 Compliance: You agree to comply with all applicable laws, regulations, sanctions, card-scheme rules, financial-services requirements and relevant third-party platform conditions.

3.4 Authority: You represent that you have the legal capacity, authority and permissions necessary to access the Services and enter into relevant agreements.

3.5 Service Eligibility: PvX may restrict or decline access to any Service based on eligibility, jurisdiction, risk assessment, regulatory requirements or other legitimate business considerations.

3.6 Access to our Services does not guarantee eligibility for financing, card issuance, payment facilities or any other financial arrangement.

4. User Accounts

4.1 Account Creation: Certain Services require account registration or onboarding. You agree to provide accurate, current and complete information and promptly update it when necessary.

4.2 Verification: PvX may request additional information or documentation for identity verification, KYC, KYB, AML/CFT, sanctions screening, financing assessments, fraud prevention and regulatory compliance.

4.3 Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities occurring under your account, including activities undertaken by authorised users or persons using your credentials.

4.4 You must immediately notify PvX of suspected or actual unauthorised access, misuse, security incidents or breaches affecting your account.

4.5 We reserve the right to restrict, suspend or disable accounts where necessary to protect our Services, enforce these Terms or comply with applicable legal or regulatory requirements.

5. Intellectual Property Rights

5.1 Ownership: All text, graphics, logos, trademarks, images, audio, digital downloads, software, algorithms, predictive models, databases, data compilations, analytical methodologies, dashboards, reports and other proprietary materials made available through our websites or Services (collectively, “PvX Content”) are owned by PvX or its licensors and protected by applicable intellectual property laws.

5.2 Limited Licence: Subject to compliance with these Terms and applicable service agreements, PvX grants authorised users a limited, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use the relevant Services for permitted business purposes.

5.3 Restrictions: Except with our express written permission, you may not copy, reproduce, distribute, modify, publish, commercially exploit, resell or create derivative works from PvX Content.

5.4 These restrictions expressly include unauthorised data extraction, scraping, reverse-engineering, systematic reproduction of databases or analytical outputs, and attempts to replicate our algorithms, software or proprietary methodologies.

5.5 You may not use PvX Content, datasets, models or analytical outputs to train, fine-tune or develop competing artificial intelligence, machine-learning, financial-modelling or analytics products without our prior written approval.

5.6 Ownership of User Content remains with the relevant rights holder, subject to the licences and rights granted under Section 6.

5.7 No right, title or interest in PvX intellectual property is transferred except as expressly stated in these Terms or another written agreement.

6. User Content and Data Usage

6.1 User-Uploaded Content

“User Content” means any information, data, documents, records, files, materials or other content uploaded, posted, submitted, transmitted, integrated, connected or otherwise made available to PvX through our websites, platforms, applications or Services.

User Content may include financial information, transaction records, operational data, advertising expenditure, attribution data, user-acquisition metrics, cohort information, revenue records, application data, analytical information and other business or commercial materials.

6.2 Licence to PvX

By uploading, posting, submitting or otherwise providing User Content, you grant PvX and its affiliates a perpetual, irrevocable, non-exclusive, royalty-free, worldwide, transferable and sublicensable licence to use, reproduce, store, process, analyse, modify, adapt, publish, translate, create derivative works from, distribute, perform, display and otherwise exploit such User Content in any form, media or technology, whether now known or subsequently developed, for any purpose, including but not limited to:

• Providing, operating, maintaining and improving our Services;

• Performing financial, operational and commercial analysis;

• Developing and improving predictive models, artificial intelligence and machine-learning systems;

• Evaluating financing, credit, investment and commercial opportunities;

• Generating forecasts, scores, recommendations, benchmarks and analytical insights;

• Creating aggregated datasets, derived information and analytical products;

• Undertaking research, product development and service enhancement;

• Developing, licensing and commercialising new products and Services;

• Conducting security, fraud-prevention, legal, regulatory and compliance activities;

• Conducting marketing, advertising, promotional and business-development activities; and

• Any other lawful business or commercial purpose,

in each case, subject to Sections 6.3 and 6.5 and any applicable separately executed agreement.

This licence is perpetual and irrevocable and survives termination or expiry of your access to our websites or Services. Processing and retention of identifiable personal data under this licence shall remain subject to applicable data protection laws, including applicable retention and erasure requirements. Anonymised Data and aggregated information may be retained and commercially used indefinitely in accordance with Section 6.6.

6.3 Limitations on External Data Sharing

PvX may use User Content for the purposes permitted under Section 6.2. We will not disclose identifiable User Content to external parties except:

Where required or permitted by applicable law, court order, governmental authority, regulator or other legally authorised process;

Where necessary to establish, exercise, enforce or protect PvX's legal rights;

Where expressly authorised under an applicable financing, card-programme, payment, technology, data-processing or other service agreement; or

Where you have otherwise expressly authorised the disclosure.

Such authorised disclosures may include sharing with lenders, BIN sponsors, card issuers, payment processors, card networks, programme administrators and other third-party service providers where specifically provided for under the relevant agreements and necessary for the agreed services.

These restrictions do not prohibit the lawful creation, use, retention or disclosure of anonymised or aggregated information that no longer identifies the relevant individuals or originating customers.

6.4 Warranty of Rights

You represent and warrant that you own or otherwise control all necessary rights, licences, permissions and authorisations to provide User Content and grant the licence described in these Terms.

You further warrant that providing and authorising the use of User Content does not violate applicable laws, intellectual property rights, confidentiality obligations, privacy rights or other third-party rights.

Where User Content contains personal data, you are responsible for ensuring that appropriate notices, permissions, consents or other lawful grounds exist for its disclosure and authorised processing.

6.5 Data Protection and Confidentiality

PvX processes personal data in accordance with applicable data protection legislation and its Privacy Policy.

The licence under Section 6.2 does not override mandatory statutory privacy rights, legally imposed purpose restrictions or applicable confidentiality obligations.

Specific confidentiality, data-processing and retention obligations contained in separately executed agreements remain applicable to the relevant Services.

6.6 Anonymised and Aggregated Data

PvX may create, retain, process, use, license, distribute and commercialise anonymised information, aggregated datasets, derived insights, benchmarks, statistical outputs and analytical products generated from User Content.

Such information may be retained indefinitely where it does not reasonably identify the relevant individuals or originating customers and where applicable legal and contractual requirements are satisfied.

6.7 Accuracy of User Content

You are responsible for the accuracy, completeness, legality and reliability of User Content.

PvX may rely on information provided by you when performing analytics, forecasting, financial assessments, underwriting and other business activities, without independently verifying every underlying data point.

6.8 Data Scraping Prohibited

You agree not to use robots, spiders, scrapers, automated extraction tools or similar technologies to access, copy, harvest or extract data from our websites, platforms or Services for any purpose without our express written permission.

7. Prohibited Activities

When accessing or using our websites or Services, you agree not to:

• Engage in unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene or otherwise objectionable conduct;

• Impersonate another person or entity or misrepresent your identity, affiliation or authority;

• Attempt to gain unauthorised access to our systems, networks, applications, accounts or infrastructure;

• Interfere with the security, integrity, availability or operation of our websites or Services;

• Infringe any intellectual property, confidentiality, privacy or other rights of a third party;

• Submit fraudulent, misleading, inaccurate or unlawfully obtained information;

• Use our Services for money laundering, terrorist financing, sanctions evasion, fraud or other prohibited activities;

• Misuse financing facilities, card programmes, payment services or related financial arrangements;

• Introduce malware or undertake unauthorised security testing, system interference or data extraction; or

• Use our proprietary information, data or analytical outputs to create competing products or Services without authorisation.

PvX may investigate suspected violations and take appropriate contractual, technical, regulatory or legal action.

8. Copyright Infringement Notice

If you believe material available through our websites or Services infringes copyright that you own or control, you may notify PvX in writing.

Your notice must include:

• A physical or electronic signature of the copyright owner or a person authorised to act on their behalf;

• Identification of the copyrighted work claimed to have been infringed;

• Identification and location of the allegedly infringing material;

• Your name, address, telephone number and email address;

• A statement confirming your good-faith belief that the disputed use is not authorised by the copyright owner, its agent or applicable law; and

• A statement, made under penalty of perjury, that the information supplied is accurate and that you are the copyright owner or authorised to act on the owner's behalf.

Notices should be submitted using the contact details in Section 20.

PvX will review notices that satisfy the above requirements. We reserve the right, at our sole discretion, to remove or disable access to allegedly infringing material without prior notice.

9. Disclaimer: Informational Purposes Only

9.1 Content provided through PvX websites and Services is for informational and business purposes only, unless expressly stated otherwise in a separate agreement.

9.2 Professional Advice: Nothing published on our general websites or through our general Services constitutes legal, financial, investment, tax or other professional advice. Users should obtain advice from appropriately qualified professionals where necessary.

9.3 Financing: Funding estimates, eligibility assessments, indicative credit amounts, proposed financing structures and similar information are preliminary and do not constitute a binding commitment to provide financing.

9.4 Any financing arrangement is subject to satisfactory due diligence, eligibility checks, underwriting, applicable approvals and execution of definitive agreements.

9.5 Cards and Payments: Card issuance, account operation, transaction processing, settlement, fees, disputes, chargebacks and related obligations may be governed by agreements with the relevant issuer, lender, BIN sponsor, payment processor or other authorised programme participant.

9.6 Analytics: Forecasts, ROAS estimates, cohort valuations, revenue projections, financial models, risk scores and recommendations are based on available data, assumptions, methodologies and market conditions. Actual results may differ materially.

9.7 No forecast, model output, recommendation or other analytical information constitutes a guarantee of revenue, profitability, investment returns, financing approval or business performance.

9.8 Users are responsible for independently evaluating information before making material financial, operational or commercial decisions.

10. Privacy and Cookies

10.1 Your use of our websites and Services is also subject to our Privacy Policy, which explains how we collect, use, disclose, transfer, retain and protect personal data.

10.2 PvX may use cookies, web beacons, tracking technologies and similar mechanisms for website functionality, authentication, security, analytics and marketing purposes.

10.3 Where required by applicable law, consent will be obtained for non-essential cookies and other processing activities requiring consent.

10.4 Customers providing personal data through our Services must ensure that appropriate notices, authorisations and lawful grounds for the relevant processing have been established.

10.5 Where PvX processes personal data on behalf of a customer, the applicable Data Processing Addendum or other relevant written agreement governs the corresponding processing obligations.

11. Disclaimer of Warranties

11.1 As-Is Basis: Our websites, platforms, Services and associated content are provided on an “as is” and “as available” basis, except as expressly warranted in a separately executed agreement.

11.2 No Representations or Warranties: PvX makes no representations or warranties of any kind, express or implied, concerning the operation, functionality, availability, accuracy, reliability, completeness, security or suitability of our websites, Services or associated information.

11.3 To the fullest extent permitted by law, PvX disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose and non-infringement.

11.4 PvX does not warrant that Services will be uninterrupted, error-free, continuously available or free from technical limitations.

11.5 PvX does not guarantee the accuracy or commercial outcome of predictive models, analytical reports, financial projections, ROAS estimates, forecasts or recommendations.

11.6 PvX does not guarantee approval, availability, profitability or performance of any financing facility, card programme, payment arrangement or other financial product.

11.7 Third-party service providers, financial institutions, payment networks, cloud providers and external data platforms may affect the performance or availability of our Services. PvX makes no independent warranty concerning their services except as expressly agreed in writing.

12. Limitation of Liability

12.1 Exclusion of Damages: To the maximum extent permitted by applicable law, PvX Partners Pte. Ltd., its affiliates, officers, directors, employees and agents shall not be liable for indirect, incidental, special, consequential or punitive damages arising from or relating to your access to or use of our websites, platforms, products or Services.

12.2 Such excluded damages include loss of profits, revenue, anticipated savings, business opportunities, commercial advantage, goodwill, data or other economic losses, whether arising in contract, tort or otherwise, even where PvX has been advised of the possibility of such damages.

12.3 Website Liability Cap: In no event shall PvX's total aggregate liability for all damages, losses and causes of action relating to use of our general website exceed the amount paid by you, if any, for accessing the website during the twelve (12) months preceding the date on which the claim arose.

12.4 Other Services: Where Services are provided under a separate executed agreement, the liability provisions of that agreement shall apply. Otherwise, PvX's total aggregate liability relating to such Services shall not exceed the fees actually paid by the claimant for the affected Services during the twelve (12) months preceding the claim.

12.5 Analytical Outputs: PvX shall not be liable for commercial or financial losses arising from decisions based on indicative forecasts, predictive models, ROAS estimates, funding assessments or other analytical outputs, except where liability cannot lawfully be excluded.

12.6 Mandatory Law: Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by applicable law.

13. Indemnification

You agree to indemnify, defend and hold harmless PvX Partners Pte. Ltd., its affiliates, officers, directors, employees, agents, licensors, successors and assigns from and against all claims, demands, actions, proceedings, liabilities, damages, losses, costs and expenses (including attorneys' fees) arising out of or related to:

• Your breach of these Terms or any applicable laws or regulations;

• Your access to, use of or misuse of our websites, platforms, products or Services;

• Any User Content or data submitted, uploaded, transmitted or otherwise made available by you, including infringement of intellectual property, confidentiality, privacy or other third-party rights;

• Any misrepresentation, fraud, negligence, unlawful activity or unauthorised use of our Services by you or persons acting on your behalf; or

• Your violation of applicable financing, card-programme, payment-network or third-party service requirements.

These indemnification obligations shall survive termination or expiry of these Terms to the fullest extent permitted by applicable law.

14. Governing Law

14.1 These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict-of-law provisions.

14.2 Mandatory provisions of applicable local laws remain effective where they cannot lawfully be excluded.

14.3 Separate financing, card-programme, payment or other commercial agreements may specify different governing laws applicable to their respective arrangements.

15. Mandatory Arbitration

15.1 Agreement to Arbitrate: Any dispute, controversy or claim arising out of or in connection with these Terms, including their existence, interpretation, breach, termination or invalidity, shall be finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with its applicable rules.

15.2 Seat, Venue and Rules: The seat and venue of arbitration shall be Singapore. Proceedings shall be conducted in English in accordance with the SIAC Rules in force at the commencement of arbitration.

15.3 Arbitral Tribunal: The tribunal shall consist of one arbitrator unless otherwise agreed or determined in accordance with the applicable SIAC Rules.

15.4 Binding Decision: The arbitral award shall be final and binding on the parties, and judgment on the award may be entered, recognised or enforced in any court having jurisdiction.

15.5 Interim Relief: Nothing prevents either party from seeking interim or injunctive relief from a court of competent jurisdiction where permitted by law.

15.6 Separate Agreements: Disputes arising under separately executed financing, card-programme or other definitive agreements shall be governed by the dispute-resolution provisions of those agreements.

16. Termination

16.1 PvX reserves the right, at its sole discretion, to suspend, restrict or terminate your access to our websites, platforms or Services at any time, without prior notice or liability, for any reason, including breach of these Terms, security concerns, regulatory requirements, suspected unlawful activity, commercial considerations or misuse of the Services, subject to mandatory applicable law and express provisions of separately executed agreements.

16.2 We may discontinue, modify or restrict particular Services, subject to applicable contractual obligations.

16.3 Upon termination, your right to access or use the affected Services will cease unless otherwise agreed.

16.4 Termination does not affect rights and obligations accrued before termination.

16.5 Provisions intended to survive termination shall remain in effect, including intellectual property ownership, User Content licences to the extent provided in Section 6, permitted data usage, confidentiality, warranty disclaimers, limitations of liability, indemnification, governing law and dispute-resolution provisions.

16.6 Termination of separately executed financing facilities, card programmes or other contractual arrangements shall be governed by their respective agreements.

17. Severability

If any provision of these Terms is determined to be invalid, unlawful or unenforceable, that provision shall be severed and the remaining provisions shall continue in full force and effect to the maximum extent permitted by applicable law.

18. AI-Generated Content Disclaimer

18.1 Certain PvX Services use proprietary artificial intelligence, machine learning, statistical modelling, predictive analytics and other automated technologies.

18.2 Outputs may include financial forecasts, ROAS estimates, cohort valuations, revenue projections, funding assessments, risk scores, recommendations, benchmarks and other analytical information.

18.3 Such outputs depend on the completeness and accuracy of input data, modelling assumptions, historical relationships, algorithmic methodologies and changing market conditions.

18.4 Although PvX seeks to develop reliable analytical systems, outputs may contain inaccuracies, errors, omissions, limitations or predictions that do not materialise.

18.5 AI-generated and predictive outputs are provided for informational and business decision-support purposes and do not constitute legal, financial or other professional advice.

18.6 You are solely responsible for decisions or actions taken based on outputs generated by our Services, including financial commitments, investment decisions, advertising expenditure, business strategies and operational actions, subject to liabilities that cannot lawfully be excluded.

18.7 PvX does not guarantee the accuracy, completeness, suitability or commercial success of any predictive or AI-generated output.

18.8 PvX may develop, modify, improve, retrain and commercialise its analytical models, algorithms and associated technologies using data and information it is legally and contractually authorised to process.

18.9 These provisions apply whether analytical capabilities are used internally by PvX, provided as part of financing services, or made available to customers through platforms, APIs, software subscriptions or other technology services.

19. Entire Agreement

19.1 These Terms, together with our Privacy Policy and any expressly incorporated service-specific terms, constitute the entire agreement between you and PvX concerning access to and use of our general websites and Services.

19.2 These Terms supersede all prior or contemporaneous understandings, representations, discussions and agreements, whether written or oral, concerning that subject matter, except for separately executed agreements expressly governing particular services or commercial arrangements.

19.3 Separately executed financing, card-programme, payment, software, data-processing and other definitive agreements remain binding and take precedence over these Terms concerning the matters they specifically govern.

19.4 The Privacy Policy describes PvX's personal-data processing practices and does not override mandatory statutory rights or obligations.

19.5 Failure by PvX to enforce any provision of these Terms does not constitute a waiver of that provision or its right to enforce it subsequently.

20. Contact Us

If you have questions or concerns about these Terms and Conditions, please contact:

PvX Partners Pte. Ltd.

45 North Canal Road, #01-01

Lew Building

Singapore 059301

Website: https://pvxpartners.com

General enquiries: Through the contact details published on our website.

Privacy and data protection enquiries: [email protected]