1. Introduction and Acceptance
1.1 Agreement to Terms
These Terms and Conditions ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "Customer," "you") and Ascent Business Technology Pte. Ltd. ("Ascent," "Company," "we," "us," "our") regarding your use of our website located at www.ascentbusiness.com (the "Website") and any related services, features, content, or applications offered by Ascent.
BY ACCESSING OR USING OUR WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE OUR WEBSITE.
1.2 Scope of Agreement
These Terms apply to:
- Access to and use of our Website
- Information and content provided on the Website
- Communications between you and Ascent through the Website
- Any trial access or demonstrations of our software platforms
- General inquiries and business communications
Note: Separate software license agreements, service agreements, and professional services agreements may apply to the use of our enterprise software platforms (AutoResilience, AutoRecon, AutoEscrow) and are not covered by these Terms.
1.3 Modifications to Terms
We reserve the right to modify these Terms at any time. When we make changes:
- We will post the updated Terms on our Website
- We will update the "Last Updated" date
- For material changes, we will provide notice via email or prominent website notice
- Your continued use of the Website after changes constitutes acceptance
- You are responsible for regularly reviewing these Terms
2. About Ascent Business Technology
Atc Finetr Software Pte. Ltd. is a Singapore-incorporated company (Company Registration: 201720078C) headquartered at One Raffles Place #28-02, Singapore 048616.
2.2 Business Description
Ascent is an Enterprise Risk & Resilience firm that provides AI and ML-driven platforms for financial services and related industries. Our primary offerings include:
AutoResilience:
- Operational resilience management platform
- Business continuity and disaster recovery solutions
- Risk assessment and crisis management tools
- Regulatory compliance and reporting capabilities
AutoRecon:
- Enterprise-wide automated reconciliation software
- Real-time financial control and monitoring
- End-to-end reconciliation from record to report
- Integration with multiple financial systems
AutoEscrow:
- Escrow and trust account management solution
- Compliance and payments management
- Operations management for financial services
- Streamlined financial processing capabilities
2.3 Geographic Operations
We operate across multiple jurisdictions including Singapore, India, United Arab Emirates, and Saudi Arabia, serving clients primarily in the financial services, banking, and related sectors.
3. Website Usage Terms
3.1 Permitted Use
You may use our Website for the following purposes:
- Learning about our products and services
- Accessing publicly available content, resources, and documentation
- Contacting us for business inquiries and support
- Requesting product demonstrations and trials
- Downloading whitepapers, case studies, and marketing materials
- Participating in webinars and events (subject to separate registration terms)
3.2 User Obligations
When using our Website, you agree to:
- Provide accurate and complete information in all forms and communications
- Use the Website only for lawful business purposes
- Respect the intellectual property rights of Ascent and third parties
- Comply with all applicable laws and regulations
- Maintain the confidentiality of any login credentials
- Report any suspected security vulnerabilities or unauthorized access
3.3 Prohibited Activities
You are strictly prohibited from:
Unauthorized Access and Security Violations:
- Attempting to gain unauthorized access to any part of the Website
- Bypassing security measures or authentication systems
- Conducting security testing without explicit written permission
- Accessing or attempting to access other users' accounts or data
Harmful and Illegal Activities:
- Transmitting viruses, malware, or other harmful code
- Conducting any illegal activities or violating applicable laws
- Harassing, threatening, or intimidating other users or our staff
- Impersonating another person or entity
Commercial Misuse:
- Using automated systems (bots, scrapers) to access the Website
- Reproducing, distributing, or creating derivative works without permission
- Using our content for competitive intelligence gathering
- Reselling or redistributing our content or services without authorization
System Interference:
- Overloading our systems or network infrastructure
- Interfering with other users' access to the Website
- Attempting to reverse engineer any part of our technology
- Extracting data through automated means
4. Intellectual Property Rights
4.1 Ascent's Proprietary Rights
All content, features, and functionality on our Website are owned by Ascent, our licensors, or our content providers and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
Protected Materials Include:
- Software code, algorithms, and technical architectures
- Website design, graphics, logos, and visual elements
- Text content, documentation, and written materials
- Product names, trademarks, and service marks
- Proprietary methodologies and business processes
- Audio, video, and multimedia content
4.2 Limited License Grant
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:
- Access and use the Website for legitimate business purposes
- View and download content for your internal business evaluation
- Print materials for your internal use and review
- Share specific content as explicitly permitted (e.g., whitepapers)
License Restrictions:
- You may not modify, adapt, or create derivative works
- Commercial redistribution is strictly prohibited
- You may not remove or alter copyright or proprietary notices
- Sublicensing or transfer of rights is not permitted
4.3 User-Generated Content
When you submit content to us (through forms, comments, feedback, etc.):
Your Representations:
- You own or have necessary rights to the content
- The content does not violate third-party rights
- The content is accurate and not misleading
- You have authority to submit the content on behalf of your organization
License to Ascent:
- You grant us a non-exclusive, worldwide, royalty-free license
- We may use your content for business purposes, marketing, and case studies
- We may modify or adapt content for our purposes
- License survives termination of your use of the Website
4.4 Trademark Policy
Our Trademarks:
- "Ascent Business Technology" and related logos
- "AutoResilience," "AutoRecon," "AutoEscrow" product names
- Associated taglines, slogans, and marketing phrases
- All variations and stylized versions of our marks
Third-Party Trademarks:
- All third-party trademarks mentioned are property of their respective owners
- Use of third-party marks is for identification purposes only
- No endorsement or affiliation is implied unless explicitly stated
5. Privacy and Data Protection
5.1 Data Collection and Use
Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Website, you also agree to our Privacy Policy.
Key Privacy Principles:
- Transparency about data collection and use
- Lawful basis for all data processing activities
- Data minimization and purpose limitation
- Security measures to protect your information
- Your rights regarding your personal data
5.2 Cookies and Tracking
We use cookies and similar tracking technologies as described in our Cookie Policy. By using our Website, you consent to our use of cookies in accordance with our Cookie Policy.
5.3 Third-Party Services
Our Website integrates with various third-party services (analytics, marketing, customer support) that may collect information about you. These services are governed by their respective privacy policies.
6. Service Availability and Performance
6.1 Website Availability
Service Level Expectations:
- We strive to maintain high Website availability and performance
- Planned maintenance will be announced in advance when possible
- Emergency maintenance may be performed without notice
- We reserve the right to modify or discontinue features
No Guarantees:
- Website access is provided on an "as available" basis
- We do not guarantee uninterrupted or error-free operation
- Third-party service dependencies may affect availability
- Geographic restrictions may apply to certain content or features
6.2 Technical Requirements
Supported Browsers and Devices:
- Modern web browsers with JavaScript enabled
- Stable internet connection for optimal experience
- Devices capable of displaying responsive web content
- Cookies and local storage functionality enabled
User Responsibilities:
- Maintaining compatible browser and device configurations
- Ensuring adequate internet connectivity
- Keeping software and security systems updated
- Implementing appropriate cybersecurity measures
Content Disclaimers:
- Website content is for informational purposes only
- Product specifications and features may change without notice
- Pricing information is subject to change and may not be current
- Case studies and testimonials reflect individual experiences
Professional Advice:
- Website content does not constitute professional advice
- Consult qualified professionals for specific business decisions
- Regulatory compliance requirements may vary by jurisdiction
- Implementation results may vary based on specific circumstances
7.2 Product Demonstrations and Trials
Trial Terms:
- Product demonstrations are for evaluation purposes only
- Trial access is subject to separate agreement terms
- No commitment or obligation is created by demonstration access
- Confidentiality obligations may apply to trial participation
Performance Expectations:
- Demonstration environments may not reflect production performance
- Features and functionality may be limited in trial versions
- Support levels during trials may differ from production support
- Data security in trial environments may have different standards
8. Communications and Marketing
8.1 Marketing Communications
Consent and Preferences:
- You may receive marketing communications based on your interactions
- Consent preferences can be managed through email links or contact us
- Different communication types may have different opt-out mechanisms
- Business communications may continue even after marketing opt-out
Content and Frequency:
- Communications may include product updates, industry insights, and events
- Frequency varies based on your preferences and interaction level
- Emergency or critical communications may be sent regardless of preferences
- You may receive communications from our regional offices
8.2 Customer Support and Business Communications
Support Channels:
- Contact forms and inquiry submissions through the Website
- Email communications for business purposes
- Live chat functionality during specified hours
- Phone support for qualified prospects and customers
Response Expectations:
- Business inquiries typically responded to within 2 business days
- Complex technical inquiries may require additional time
- Response times may vary during holidays and peak periods
- Urgent matters should be clearly identified in communications
9. Limitation of Liability
9.1 Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
Website and Content:
- THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS
- WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED
- NO WARRANTY OF MERCHANTABILITY, FITNESS FOR PURPOSE, OR NON-INFRINGEMENT
- NO GUARANTEE OF ACCURACY, COMPLETENESS, OR RELIABILITY OF CONTENT
Third-Party Content and Services:
- WE DO NOT WARRANT THIRD-PARTY CONTENT OR SERVICES
- LINKS TO THIRD-PARTY SITES ARE PROVIDED FOR CONVENIENCE ONLY
- WE ARE NOT RESPONSIBLE FOR THIRD-PARTY PRIVACY OR SECURITY PRACTICES
9.2 Limitation of Damages
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
Exclusion of Damages:
- WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES
- NO LIABILITY FOR LOST PROFITS, DATA, OR BUSINESS OPPORTUNITIES
- NO LIABILITY FOR PUNITIVE OR EXEMPLARY DAMAGES
- NO LIABILITY FOR DAMAGES ARISING FROM THIRD-PARTY ACTIONS
Monetary Limitations:
- TOTAL LIABILITY SHALL NOT EXCEED $100 USD
- LIABILITY IS LIMITED REGARDLESS OF THE FORM OF ACTION
- LIMITATIONS APPLY EVEN IF ADVISED OF POSSIBILITY OF DAMAGES
- SOME JURISDICTIONS MAY NOT ALLOW CERTAIN LIMITATIONS
9.3 Exceptions to Limitations
The above limitations do not apply to:
- Death or personal injury caused by our negligence
- Fraud or fraudulent misrepresentation
- Violations of applicable consumer protection laws
- Other matters that cannot be excluded by law
10. Indemnification
10.1 User Indemnification Obligations
You agree to indemnify, defend, and hold harmless Ascent, its affiliates, officers, directors, employees, agents, and representatives from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses arising from:
Your Use of the Website:
- Your violation of these Terms or applicable laws
- Your use of the Website in a negligent or wrongful manner
- Content you submit, post, or transmit through the Website
- Your infringement of third-party intellectual property rights
Your Business Activities:
- Misrepresentation of your authority or organizational affiliation
- Breach of confidentiality or non-disclosure obligations
- Implementation or use of information obtained from our Website
- Claims arising from your business operations or decision-making
10.2 Defense and Settlement
Our Rights:
- We may assume exclusive defense and control of any indemnified matter
- You may not settle any claim without our prior written consent
- We reserve the right to seek legal counsel of our choosing
- You shall cooperate fully in any defense or settlement discussions
11. Compliance and Legal Requirements
11.1 Regulatory Compliance
Your Compliance Obligations:
- Comply with all applicable laws and regulations in your jurisdiction
- Ensure proper authorization for business communications and inquiries
- Meet any industry-specific compliance requirements
- Obtain necessary approvals for software evaluation or implementation
International Considerations:
- Export control laws may restrict access to certain technologies
- Data protection laws may affect information sharing
- Financial services regulations may apply to software evaluation
- Anti-corruption and anti-bribery laws must be observed
11.2 Sanctions and Restricted Parties
Prohibited Use:
- Individuals or entities on government sanctions lists
- Countries or regions subject to comprehensive sanctions
- Activities that would violate export control regulations
- Transactions that would breach anti-money laundering laws
Screening and Verification:
- We may screen users against sanctions lists
- Additional verification may be required for certain jurisdictions
- Access may be restricted based on compliance requirements
- We reserve the right to suspend access for compliance reasons
12. Termination
12.1 Termination by Either Party
Your Termination Rights:
- You may stop using the Website at any time
- No formal termination notice is required for general Website use
- You may request deletion of your personal information
- Specific agreements may have different termination procedures
Our Termination Rights:
- We may terminate or suspend your access immediately for cause
- Violations of these Terms constitute grounds for immediate termination
- We may terminate access for business or operational reasons
- No prior notice is required for termination due to violations
12.2 Effect of Termination
Immediate Effects:
- Your right to access and use the Website ceases immediately
- Any pending communications or transactions may be cancelled
- Download access to materials may be revoked
- Account-specific access credentials become invalid
Surviving Provisions:
- Intellectual property rights and restrictions
- Confidentiality obligations
- Limitation of liability and indemnification
- Dispute resolution and governing law provisions
13. Dispute Resolution
13.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.
13.2 Jurisdiction and Venue
Exclusive Jurisdiction:
- Courts of Singapore shall have exclusive jurisdiction
- All disputes shall be resolved in Singapore unless otherwise required by law
- You consent to personal jurisdiction in Singapore courts
- Venue shall be in the appropriate courts in Singapore
Exceptions:
- Consumer protection laws may require local jurisdiction
- Injunctive relief may be sought in any competent jurisdiction
- Enforcement of judgments may be pursued globally
13.3 Alternative Dispute Resolution
Mediation:
- Parties agree to attempt good faith mediation before litigation
- Mediation shall be conducted in Singapore under SIAC rules
- Costs of mediation shall be shared equally between parties
- Mediation proceedings shall remain confidential
Arbitration (Optional):
- By mutual agreement, disputes may be resolved through arbitration
- Arbitration shall be conducted under SIAC Arbitration Rules
- Single arbitrator unless complexity requires tribunal
- Arbitration proceedings and awards shall be confidential
14. Miscellaneous Provisions
14.1 Entire Agreement
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Ascent regarding your use of the Website and supersede all prior or contemporaneous communications and proposals, whether oral or written.
14.2 Severability
If any provision of these Terms is found to be unenforceable or invalid:
- Such provision shall be modified to the minimum extent necessary
- The remainder of these Terms shall remain in full force and effect
- Invalid provisions shall not affect the validity of other provisions
- Courts may modify provisions to make them enforceable
14.3 Waiver
- No waiver of any term shall be deemed a continuing waiver
- Failure to enforce any provision does not constitute a waiver
- Waivers must be in writing and signed by authorized representatives
- Partial enforcement does not preclude future enforcement
14.4 Assignment
Your Assignment Rights:
- You may not assign or transfer these Terms without our consent
- Any attempted assignment without consent shall be void
- Rights are personal to you and your organization
Our Assignment Rights:
- We may assign these Terms in connection with mergers or acquisitions
- Assignment to affiliates or subsidiaries is permitted
- We may assign rights to legal successors
14.5 Force Majeure
Neither party shall be liable for delays or failures in performance resulting from:
- Acts of God, natural disasters, or extreme weather
- War, terrorism, civil unrest, or government actions
- Pandemics, epidemics, or public health emergencies
- Cyber attacks, system failures, or infrastructure disruptions
- Other circumstances beyond reasonable control
15.1 General Inquiries
For questions about these Terms and Conditions:
15.2 Compliance and Legal Matters
15.3 Business Hours and Response Times
16. Acknowledgment
By using our Website, you acknowledge that:
- You have read and understood these Terms and Conditions
- You agree to be bound by all provisions contained herein
- You have the authority to enter into this agreement
- You understand the limitations and disclaimers outlined
- You will comply with all applicable laws and regulations