Atc Finetr Software Pte. Ltd.

Enterprise Risk & Resilience Solutions

Terms and Conditions

Website: www.ascentbusiness.com

Effective Date: June 1, 2025

Version: 1.0

Last Updated: June 1, 2025

These Terms and Conditions govern your use of our website and services provided by Atc Finetr Software Pte. Ltd.

Contents

1 Introduction and Acceptance
1.1 Agreement to Terms
1.2 Scope of Agreement
1.3 Modifications to Terms
2 About Ascent Business Technology
2.1 Company Information
2.2 Business Description
2.3 Geographic Operations
3 Website Usage Terms
3.1 Permitted Use
3.2 User Obligations
3.3 Prohibited Activities
4 Intellectual Property Rights
4.1 Ascent's Proprietary Rights
4.2 Limited License Grant
4.3 User-Generated Content
4.4 Trademark Policy
5 Privacy and Data Protection
5.1 Data Collection and Use
5.2 Cookies and Tracking
5.3 Third-Party Services
6 Service Availability and Performance
6.1 Website Availability
6.2 Technical Requirements
7 Product Information and Disclaimers
7.1 Information Accuracy
7.2 Product Demonstrations and Trials
8 Communications and Marketing
8.1 Marketing Communications
8.2 Customer Support and Business Communications
9 Limitation of Liability
9.1 Disclaimer of Warranties
9.2 Limitation of Damages
9.3 Exceptions to Limitations
10 Indemnification
10.1 User Indemnification Obligations
10.2 Defense and Settlement
11 Compliance and Legal Requirements
11.1 Regulatory Compliance
11.2 Sanctions and Restricted Parties
12 Termination
12.1 Termination by Either Party
12.2 Effect of Termination
13 Dispute Resolution
13.1 Governing Law
13.2 Jurisdiction and Venue
13.3 Alternative Dispute Resolution
14 Miscellaneous Provisions
14.1 Entire Agreement
14.2 Severability
14.3 Waiver
14.4 Assignment
14.5 Force Majeure
15 Contact Information
15.1 General Inquiries
15.2 Compliance and Legal Matters
15.3 Business Hours and Response Times
16 Acknowledgment

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

2.1 Company Information

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

7. Product Information and Disclaimers

7.1 Information Accuracy

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

11.1 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. Contact Information

15.1 General Inquiries

For questions about these Terms and Conditions:

Primary Contact:

Email: legal@ascentbusiness.com

Subject Line: Terms and Conditions Inquiry

Mailing Address:

Atc Finetr Software Pte. Ltd.
Legal Department
One Raffles Place #28-02, Singapore 048616

Compliance Inquiries: dpo@ascentbusiness.com

Intellectual Property Matters: dpo@ascentbusiness.com

Privacy and Data Protection: dpo@ascentbusiness.com

15.3 Business Hours and Response Times

Business Hours:

Monday - Friday: 9:00 AM - 6:00 PM (Singapore Time)

Saturday: 9:00 AM - 1:00 PM (Singapore Time)

Sunday and Public Holidays: Closed

Response Times:

General Inquiries: Within 3 business days

Legal Matters: Within 5 business days

Urgent Compliance Issues: Within 24 hours

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
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