2.1 The Platform and all of its Contents are owned by us or licensed to us by third parties. “Contents” refer to all contents on or made available through the Platform including but not limited to, all text, graphics, audio and images, html code, interactive features, software, scripts, buttons, the arrangement and compilation of contents and any trade marks, names, logos, designs, pages, documents and multimedia.

2.2 We (or where applicable, our licensors) retain all legal, equitable and moral rights in the Platform and its Contents that have not been expressly granted to you. You acknowledge that you have no right, title or interest in and to the Platform and its Contents and you agree not to challenge their validity or our ownership or rights to them.

2.3 We reserve the right to change, modify, substitute, suspend, withdraw or remove without notice any information, Content, service and/or feature of the Platform from time to time. Your access to the Platform may also be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. We assume no responsibility for functionalities which are dependent on your browser or other third party software to operate.

3.1 You will be required to register for an account with us in order to use the services provided by our Platform.

3.2 You must satisfy the following conditions to be eligible to register for an Account:

• a. if you are registering for an Account as an individual:
• 1. you must be resident in Singapore; and
  2. you must be at least 21 years of age and capable under applicable law to accept these Terms.
• b. if you are registering for an Account on behalf of an organisation:
• 1. your organisation must have a registered office address in Singapore; and
  2. you represent and warrant that you belong to your organisation and that you have full authority to bind your organisation to these Terms.

3.3 By registering for an Account, you represent, warrant and undertake that all information which you provide to us is truthful, accurate, up to date and complete. Any failure to maintain accurate, up-to-date and complete information may result in any or all of the following:

• your inability to access and/or use your Account, the Platform or its services;
• the suspension or termination of your Account.

3.4 Once set-up, your Account enables you to access and use the Platform and its services in accordance with these Terms. Other than as stipulated in these Terms, you must not transfer or share your Account with anyone.

3.5 You are responsible for all activities which occur under your Account. It is therefore important that you maintain the confidentiality of the user ID and password for your Account and not share such information or the use of your Account with anyone.

5.1 The Platform uses the documents and information that you supply to us to generate your financial profile. By registering for an Account and submitting your Records to us, you acknowledge that:

• we will, with your permission, access certain financial information relating to you;
• we will be relying on and processing such information in order to generate your financial profile;
• we will, with your permission, share insights derived from your financial data (e.g. financial profile, purchase profile, product profile etc.) with our partners for the purposes of your applications with them (e.g. for loans) or to receive personalized deals and offers (e.g. for loans, cashback, credit cards, etc.);
• We do not guarantee or warrant that the use of the Platform or your financial profile generated by the Platform will result in approval of any product or service that you wish to obtain from our partners.

5.2 Any personal data which you provide to us is subject to the latest version of our Privacy Policy (available at https://www.dobin.io/privacy-policy), which is incorporated by reference into these Terms.

5.3 You are responsible for ensuring that your use of the Platform, its Content and your Account is in accordance with all applicable laws and regulations.

5.4 You warrant and represent that you will not:

• submit false or misleading information to the Platform;
• employ misleading e-mail addresses or falsify information in any part of any communication transmitted to, from or through the Platform.
• license, sublicense, sell, resell, transfer, assign, distribute, commercially exploit or make available to any third-party the Platform, its Contents or your Account in any way.
• modify, edit, copy, reproduce, create, attempt to derive the source code of, decrypt, interfere with, disrupt the integrity or the performance of, or make derivative works based upon the Platform.
• reverse engineer or access the Platform in order to include but not limited to (i) design or build a competitive product or service, (ii) design or build a product using similar ideas, features, functions or graphics of the Platform, or (iii) copy any ideas, features, functions or graphics of the Platform.
• rent, lease, loan, resell, sublicense, distribute or otherwise transfer the Platform to any third-party or use the Platform to provide time sharing or similar services for any third-party.
• delete, alter or obscure the copyright and other proprietary rights notices on the Platform.
• violate any applicable laws, rules or regulations in connection with your access or use of the Platform.
• conduct any sort of vulnerability scanning or probing of the Platform or the tools and services which we provide via the Platform or any other activity which is intended to disrupt or harm the operations of the Platform (such as a Distributed Denial of Service (DDoS) attack).
• launch an automated program or script or any program which may make multiple server requests per second, or unduly burden or hinder the operation and/or performance of the Platform.
• circumvent or attempt to circumvent any user authentication or security measures of any Internet or intranet site or any of the Accounts or any other person using the Platform, including but not limited to, accessing data and/or information not intended for you, logging into an account you are not expressly authorised to access or in a manner which is not authorised by us.
• use the Platform for any purpose for which it was not designed or intended.
• use the Platform to commit or engage in, or encourage, induce, solicit or promote, any conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any law or regulation in any jurisdiction to which you are subject.
• attempt, or authorise or encourage any third party, to do any of the foregoing.

5.5 These Terms do not grant to any person or entity any right or licence to use the Platform or any Content on the Platform in any form of advertising, promotion or marketing materials without our prior written consent.

6.1 Dobin offers, amongst other things, rewards in the form of the Dobin Dollar Programme (“Dobin$”) to users for activities such as, but not limited to, purchases made through Dobin’s discount program or for credit card applications initiated through Dobin’s platform. The use of the services (the “Services”) offered on the Platform, and accounts maintained with Dobin, shall be subject to these terms and conditions (the “Agreement”).

This Agreement constitutes a legally binding agreement between you, who uses the Services or maintains an account with Dobin. By using any of the Services or maintaining an account with Dobin, you acknowledge that you have read and understood this Agreement and agree to be bound by all its terms. Dobin may modify this Agreement from time to time, with or without notice, and your continued use of any of the Services or continued maintenance of an account with Dobin shall constitute and be deemed to be your acceptance of such modification and your consent to abide by any terms thereof.

6.2 Eligibility. To be eligible to participate in the Program, you must meet our criteria and agree to these Terms. You may only have one Dobin account, and you are solely responsible for maintaining the confidentiality of your account information. You may not open or maintain multiple accounts under different identities or for any fraudulent purposes. Violation of this clause may result in the termination of your account and the forfeiture of all Dobin$ earned.

6.3 Earning Dobin$. Among services offered by Dobin is the opportunity to earn Dobin$ for activities such as, but not limited to, purchases made through Dobin’s discount program or for credit card applications initiated through Dobin’s platform. Creating and maintaining an account with Dobin is required before a user can start earning Dobin$. Crediting of Dobin$ is also subject to the various terms, conditions, and requirements, express or implied, associated with the crediting of Dobin$ in general or terms, conditions, and requirements associated with activities and the individual promotions that would be applicable. These terms, conditions, and requirements vary by activity and include but are not limited to:

Requiring the user to and/or consent to track when accessing Dobin’s website or app, and subsequently the partner’s website or app;

• Not opening a separate tab or browser while accessing Dobin’s website or app and subsequently the partner’s website;
• Ensuring that after being redirected to the partner’s website, the user completes the transaction as required before proceeding to any other website;
• Completing the purchase on the partner’s website within a given period of time;
• Completing credit card applications and meeting the minimum spend requirement criteria or other criteria as required within a specified period of time;
• Not engaging in any fraudulent or dishonest conduct and/or abiding by the terms of this Agreement or any other terms and conditions stipulated by Dobin or the applicable partner.

In addition, certain purchases or credit card applications may be excluded from earning Dobin$. Dobin$ is earned on valid transactions as defined under individual promotion with our partners, covering net purchase amounts excluding shipping and handling, or meeting a credit card application criterion as required by the program. Dobin$ amounts and exclusions vary from partner to partner, and individual promotions may contain specific exclusions. Please review these terms carefully. These exclusions are subject to change without notice, and Dobin hereby disclaims all liability in connection with any incorrect information or failure to include information on the list of exclusions. Examples of typical exclusions include, but are not limited to:

• Dobin$ not being eligible when purchasing promotional items or using other discount codes, coupons, or other promotions;
• Dobin$ only being eligible when the transaction is completed using specified payment methods;
• Dobin$ not being eligible when a legitimate or valid transaction is not deemed by Dobin to have been made (e.g., where a user makes a fraudulent or dishonest transaction to earn and/or redeem Dobin$);
• Dobin$ not being eligible when the user fails to meet criteria such as minimum spend, application completion, or claiming benefits as required by the partner;
• Different tiers of eligible Dobin$ for different users (e.g., different tiers of Dobin$ for new users and existing users).

Dobin may, at its sole and absolute discretion, increase or decrease the rate of Dobin$ to be awarded for each selected transaction as may be notified to you from time to time. You shall not be entitled to request from the Company any explanation pertaining to the calculation methods (for crediting the Dobin$) or other matters relating to the Dobin$ for whatsoever purposes.

6.4 Partner’s Policies. Any products or services purchased and/or availed from any partner, whether through Dobin or otherwise, are governed by and subject to the applicable partner’s policies and terms and conditions, including but not limited to the applicable return, cancellation, exchange, and shipping policies. You agree that we are not agents of any partner and that the partner operates independently and not under our control. Accordingly, your participation in offers or promotions of, or correspondence with, any partner is solely between you and that partner. We do not assume any liability, obligation, or responsibility for any part of such correspondence, offer, or promotion, including, without limitation, the withdrawal or modification of any such offer or promotion. Dobin is not responsible for changes to, or discontinuance of, any partner from Dobin or the termination of any promotion offered by any partner on Dobin, or for any effect on accrual of Dobin$ caused by such changes, discontinuance, or withdrawal. Dobin assumes no responsibility and shall not be liable for any content, product, and/or services on the partner’s platforms (including but not limited to the quality, ability, or fitness of such products or services or that such content, product, and/or services do not breach any laws or regulations).

6.5 Top-ups and Deductions. Dobin reserves the right from time to time to make top-ups and deductions from the balance in a user’s account where it is necessary, reasonable, or expedient to do so. This includes, but is not limited to, situations where Dobin$ has been incorrectly credited into a user’s account and/or where a user is found to have acted fraudulently, dishonestly, or in contravention of the terms of this Agreement.

6.6 Redeeming Dobin$. Dobin$ can be redeemed in accordance with the specific redemption options available on the Dobin platform, including cashback. You must have accumulated Dobin$ more than or equal to the minimum redemption amount indicated and communicated from time to time. To redeem your Dobin$, you must maintain an active account. The availability of redemption options may change over time, and Dobin reserves the right to modify these options.

6.7 Nature of Dobin$. For the avoidance of doubt, you do not gain any proprietary right over any monies or assets held by Dobin when you earn Dobin$ in your account. The Dobin$ accrued in your account does not constitute monies held on trust by Dobin for your benefit. Your rights and entitlements are solely limited to such personal or contractual rights of repayment as may arise out of this Agreement.

6.8 Changes to Dobin$ Programme. To the extent permitted by applicable laws, Dobin reserves the right at any time to:

• vary, modify, or amend the terms and conditions of the Dobin$ Programme (including adding or deleting any terms);
• terminate or modify the Dobin$ Programme;
• modify the qualifications and eligibility for earning Dobin$;
• modify the activities that earn Dobin$;
• modify the methods used to calculate the number of Dobin$ to be awarded;
• withhold or cease the awarding of Dobin$ to you;
• add or change the duration taken for Dobin$ to expire.

6.9 Fraud. Dobin may suspend or terminate your account if it has reason to believe you are involved in any fraudulent or dishonest activities. Any failure to comply with this Agreement, any fraud, dishonesty, or abuse relating to the use of the services or your account, or any misrepresentation of any information furnished to Dobin or its affiliates by you or anyone acting on your behalf may result in the termination of your account and/or forfeiture of your accrued Dobin$ rewards.

6.10 Individual Promotion. An "Individual Promotion" refers to a specific marketing campaign, incentive, or offer made available by Dobin Pte. Ltd. ("Dobin") to a user ("you" or "your") of the Platform. This promotion may include, but is not limited to, rewards, discounts, cashback, or other benefits provided in connection with certain activities. Such activities may include making purchases through Dobin’s discount program, applying for credit cards via the Platform, or other specified user actions as determined by Dobin. The terms and conditions of each Individual Promotion will be clearly communicated at the time of the offer and will be governed by this Agreement, as well as any additional terms specific to the promotion.

6.11 Partners. "Partners" refers to any third-party entities, including but not limited to s, affiliate partners, financial marketplace platforms, and other business entities, with whom Dobin Pte. Ltd. ("Dobin") collaborates to offer various services, promotions, or programs through the Platform. These Partners may participate in Dobin’s partnership programs to provide rewards, discounts, offers, or other benefits to users of the Platform. The specific terms and conditions governing the relationship with each Partner and the services or benefits provided through such partnerships will be governed by Dobin's partnership arrangements with the Partners.

7.1 You may encounter websites of third parties which contain hyperlinks to the Platform. Such hyperlinks on those websites do not necessarily indicate that we are associated or affiliated with those websites or the providers of those websites or the goods and services offered at those websites. Please check with us before relying on third party statements of association or affiliation with us.

7.2 If you do not have our written permission, you may not create hyperlinks to the Platform or any of its Contents. If we give permission, we may impose terms and conditions on you.

7.3 We may, for your convenience, include hyperlinks on the Platform which lead to other websites or content that are owned or operated by third parties. Such websites and content are not under our control and we are not liable for any of the same. The inclusion of such hyperlinks on the Platform are not an endorsement or verification of such websites or content and you agree that your access to and use of such websites or content is at your own risk.

8.1 Your Licence to Us. These Terms do not grant us any ownership rights in the documents and information that you supply to us or in other content and data which are or may be provided, uploaded, or submitted to the Platform by you or third parties whom you have authorised (the "Data"). However, you grant us consent and a limited, revocable, non-exclusive, non-transferable license to access, transmit, receive, monitor, retrieve, store, maintain, process, share, and use the Data in ways necessary to provide the Platform and its services to you.

8.2 Rights to Platform. You acknowledge and agree all intellectual property rights in the Platform, its Contents, and all information and content which we generate through your access and use of the Platform (except for the Data) are, and shall remain, the property of Dobin and its licensors. Furthermore, you acknowledge and agree that the source and object code of the Platform and the format, directories, queries, algorithms, structure and organization of the Platform are the intellectual property and proprietary and confidential information of Dobin and its licensors. You are not granted any intellectual property rights in and to the Platform which are not expressly granted in these Terms and such rights are hereby reserved and retained by Dobin and its licensors.

8.3 Trade Marks. You are not authorized to use Dobin's trademarks in any advertising, publicity or in any other commercial manner without our prior written consent, which may be withheld for any or no reason.

8.4 Third Party Claims. You acknowledge and agree that in the event of a third party claim against you that the Platform or your use of the Platform infringes any third party’s rights, you (and not Dobin) will be responsible for the investigation, defence, settlement and discharge of any such claim. You will, however, promptly notify Dobin in writing of such a claim.

9.1 You shall keep confidential all information and materials about the Platform, and all information of a secret, confidential or proprietary nature concerning our business or affairs which is not otherwise in the public domain that may come into your knowledge or possession as a result of communications between you and us or the performance of these Terms (the 'Confidential Information').

9.2 In the event that we discover that you have made or make or intend to make or cause to be made any unauthorized disclosure of the Confidential Information, we will be entitled to take out an injunction against you to restrain you from making any such disclosure. In addition, or in the alternative, as the case may be, we shall be entitled to exercise such legal and equitable remedies as are available in respect of your breach and to further protect the Confidential Information.

10.1 The Platform, its Contents, and any information contained in or provided through the Platform are provided on an 'as is' and 'as available' basis and we make no representation, warranty or guarantee as to the reliability, timeliness, quality, suitability, availability, accuracy of the same.

10.2 We do not represent or warrant that: (a) the provision of the Platform or its Contents will be secure, timely, uninterrupted or error-free or that these will operate in combination with any other hardware, software, system or data; (b) the Platform and its Contents will meet your requirements or expectations; (c) the quality of, information or other materials obtained by you through the Platform will meet your requirements or expectations; (d) that the Contents or any stored data will be accurate or reliable; (e) errors or defects in the Platform or its Contents will be corrected; or (f) the Platform, its Contents, or our servers are free of viruses or other harmful components.

10.3 All conditions, representations, and warranties, whether express, implied, statutory or otherwise, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement, are hereby excluded and disclaimed to the fullest extent.

10.4 Your use of and reliance upon the Platform and its Contents is at your sole risk and discretion.

10.5 The Platform and its Contents may be subject to limitations, delays, and other problems inherent in the use of the Internet and electronic communications (including problems inherent to the mobile device you use). We are not responsible for any delays, delivery failures, damages, or losses resulting from such problems.

11.1 To the fullest extent permissible under law, in no event shall Dobin be liable to you or any third party for any direct, indirect, punitive, exemplary, incidental, special or consequential damages (whether in contract, tort, or otherwise) arising out of or in connection these Terms or your use of the Platform or its Contents, including, but not limited to, any loss of use, loss of data, business interruption, loss of income or profits, irrespective of whether Dobin had advance notice of the possibility of any such damages.

11.2 Without limiting the generality of the foregoing, the maximum aggregate liability of Dobin for any claim arising under or in connection with the Platform, its Content, your Account and/or these Terms, whether in contract, tort, breach of statutory duty or otherwise, shall not exceed the amounts actually paid by in using the Platform during the event giving rise to such claim.

You agree to indemnify, defend, and hold harmless Dobin, its officers, directors, employees, managers, shareholders, agents, representatives, subsidiaries, affiliates, suppliers, and licensors from, and against, any claims, proceedings, losses, expenses, damages and costs, including legal fees, arising out of or in connection with your: (a) access and use of the Platform, its Contents and/or your Account other than in accordance with these Terms; (b) breach of these Terms; (c) violation of law; (d) negligence or willful misconduct; or (e) violation of the rights of a third party, including the infringement by you of any intellectual property or misappropriation of any proprietary right or trade secret of any person or entity.

We reserve the right at any time and from time to time to modify, suspend or discontinue, temporarily or permanently the Platform or any part thereof, with or without notice. You agree that we will not be liable to you or any third-party for any modification, suspension or discontinuance of the Platform or any portion thereof.

14.1 Neither party shall be deemed to be in breach of these Terms for any failure or delay in performance of its obligations hereunder caused by reasons beyond its reasonable control, including but not limited to acts of God, epidemics, wars or any kind of military operations, blockade, acts of terrorism, communication failures, strikes (other than strikes involving such party), normative acts (such as any laws or actions) issued or taken by the state or government institutions and binding on the parties, enforcement by a Financial Institution, or a Financial Institution's blocking, suspension or denial of access to Dobin or the Platform (collectively, "Force Majeure"). In this section, "Financial Institution" means a legal entity engaged in the business of dealing with financial transactions, including, without limitation, banks, payment system providers, money lenders, and other financial service providers located around the world.

14.2 The party prevented from fulfilling its obligations by a Force Majeure event shall inform the other party in writing of the occurrence of such circumstances and their possible duration not later than within five days from the date of occurrence of the Force Majeure event.

14.3 If a Force Majeure event occurs, performance of the affected party’s obligations shall be suspended until the end of such circumstances, but if the Force Majeure continues for a period of 20 days or more, we may elect to terminate your Account and this agreement between you and us, without liability to you.
We reserve the right to limit, suspend, deactivate or terminate your Account or any of your rights as an Account holder, without prior notice, if in our view, you are in violation of any of these Terms or our Privacy Policy, if your Account is inactive, or if we deem it fit to do so for security reasons, or to protect our interests or that of the other users of our Platform. We may also suspend or terminate your Account without prior notice if ordered to do so by a court, and/or in other appropriate circumstances, as determined by us at our discretion.

15.1 Relationship. The parties hereto are independent contractors. Nothing in these Terms shall operate to constitute a party, an agent, partner, employee or representative of the other party. A party shall not hold itself out as such nor as having any power or authority to incur any obligation of any nature expressed or implied of the other party nor shall a party pledge the credit of the other party.

15.2 Entire Agreement. These Terms constitute the entire agreement between Dobin and you with respect to the subject matter herein and supersedes all previous and contemporaneous agreements, proposals and communications, written or oral, related to that subject matter.

15.3 Rights of Third Parties. These Terms are not intended to benefit any third party, and do not create any third party beneficiaries. Accordingly, these Terms may only be invoked or enforced by Dobin or you.

15.4 Nature of Terms. If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable, this will not affect the legality, validity and enforceability of any remaining provisions.

15.5 Waiver. Except as provided herein, the failure to exercise a right or require performance of an obligation in these Terms shall not affect a party’s ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach of these Terms constitute a waiver of any subsequent breach.

15.6 Assignment. Neither party shall not assign its rights or obligations under these Terms without prior written consent of the other party, provided that Dobin may assign or transfer these Terms or any or all of its rights and obligations under these Terms without consent to an affiliate of Dobin or to an acquirer of all or substantially all of Dobin's business, equity or assets.

These Terms shall be governed by Singapore law, without regard to excluding its conflicts of law principles. Any disputes, actions, claims or causes of action arising out of or in connection with these Terms shall be subject to the non-exclusive jurisdiction of the courts of Singapore.