Capata operates this technology Platform which enables business Clients to connect with third-party lenders ("Funders") for digital invoice financing.

Crucially:

• Capata is NOT a bank, lender, or financial advisor. We are a technology and data processing service provider.
• We do not provide funding, hold, handle, transfer or control your funds, or make credit decisions.
• All financing agreements are made directly between you and a Funder. We are not a party to those agreements and are not responsible for a Funder's decisions or actions.
• As part of the Platform solution, we may enable access to third-party payment and banking services. Please note, all regulated payment and banking services are provided by our licensed third-party partners, not by Capata. For details, please refer to Appendix 1.

• Accurate Information: You must provide accurate, complete, and current information when creating your account ("Account") and at all times.
• Account Security: You are responsible for all activity under your Account. Keep your login details secure and notify us immediately of any unauthorized access.
• Authorized Users: You are responsible for the acts and omissions of anyone you authorize to use your Account.

By using the Platform, you represent, warrant and agree that:

• All information and documents you submit ("Client Content") are true, accurate, and owned by you or you have the right to share them.
• You and your business will comply with all applicable laws.
• You will not:
• Use the Platform for any illegal purpose or in violation of these Terms.
• Upload harmful code (like viruses) or attempt to circumvent our security or systems.
• Interfere with or disrupt the integrity or performance of the Platform.
• Attempt to gain unauthorized access to the Platform, other Accounts, or our systems.
• Use the Platform to build a similar or competitive product or service.
• Engage in any activity that, in our reasonable opinion, could harm the Platform, Capata, other Clients, or Funders.

• Our IP: We own all rights in the Platform and its technology. You receive a limited, non-exclusive, non-transferable and revocable license to use it as intended. You may not reproduce, reverse engineer, or attempt to extract the source code of the Platform.
• Your Data: You own your Client Content. By submitting it, you grant us a license to use, process, and share it to operate the Platform, perform services (e.g., share with Funders), and improve our systems.
• Our Data Rights: We own all aggregated, anonymized data derived from Platform usage.
• Data Privacy: Your use of the Platform is subject to our Privacy Policy.
• Marketing: We may refer to you as a user of the Platform and may use your name and logo in our marketing materials. Please contact us if you wish to opt out.

You agree that we and/or our Funder partners may perform background, credit, and identity checks on your business and its principals (including directors, officers, legal representatives and shareholders) to assess eligibility. You are responsible for providing the necessary information and obtaining and maintaining all necessary and valid consents for these checks.

We may charge fees for the use of the Platform ("Platform Fees") according to our Charges Terms. Upon termination, you must pay all outstanding fees owed up to the termination date.

You agree to keep non-public information about the Platform, our technology, and our business that you learn through using our services confidential.

• "As Is" Service: The Platform and services are provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, representations and conditions.
• No Guarantees: We do not guarantee Platform uptime, processing timelines, or that you will obtain financing from the Funders. We also do not guarantee the accuracy or completeness of data provided by Funders or third‑party partners.
• Third-Party Services: We are not liable for the services, actions, or omissions of Funders, payment providers, or other third parties. The Platform may contain links to, or may be accessed through, third-party sites, applications or tools. Your use of such third‑party services is at your own risk.
• Limitation of Liability: To the maximum extent permitted by law, Capata will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or data, arising from or in connection with your use of the Platform. Our total aggregate liability to you for any claim will be limited to the total Platform Fees you have paid to us in the 12 months prior to the event giving rise to the claim.
• Force Majeure: We are not liable for any failure or delay in performance due to causes beyond our reasonable control, including internet outages, telecommunications failures, or events like natural disasters.

You agree to defend, indemnify, and hold Capata harmless from any claims, damages, or losses arising from: (i) your use of the Platform and services made available on the Platform; (ii) your breach of these Terms; (iii) our use of your Client Content as permitted herein; or (iv) your violation of any law.

You may stop using the Platform at any time. We may suspend or terminate your Account and access to any part of our services (or third-party services accessed through the Platform) at our discretion for any reason, including for breach of these Terms, with or without notice. Termination does not relieve you of the obligation to pay any outstanding fees.

• Governing Law: These Terms are governed by the laws of Singapore. Any disputes will be subject to the exclusive jurisdiction of Singapore courts.
• Third-party rights: These Terms do not create any rights for third parties. You may not transfer, assign, novate or sublicense your rights or obligations to anyone else. Capata may transfer, assign, novate or sublicense its rights and obligations under these Terms to another business.
• Changes: We may update these Terms. Your continued use after changes are posted constitutes acceptance.
• Electronic Signatures: You agree that electronic signatures and records used on the Platform are legally binding.
• Entire Agreement: These Terms (including the Privacy Policy and Appendices) constitute the entire agreement between us.
• Survival: Provisions on Intellectual Property, Confidentiality, Disclaimers, Limitation of Liability, Indemnity, this General Legal Terms section and any other provisions in these Terms which expressly or by its nature survives termination or expiration will survive termination or expiration.
• Contact: Questions? Contact us at: sales@capata.sg