Effective Date: 15 September 2025
Entity: CrowdCom Technologies Pte. Ltd. (“CrowdCom”, “we”, “us”, “our”)

1. Agreement & Scope

These Terms govern your access to and use of CrowdCom’s software, APIs, dashboards, and related services (the “Services”). By creating an account, installing an app, or using the Services, you agree to these Terms.

2. Accounts & Eligibility

You must (a) be a business user, (b) provide accurate information, and (c) keep credentials secure. You are responsible for activities under your account.

3. Customer Data & Roles

• Customer Data. Information you or your systems submit to the Services (e.g., product, inventory, orders, pricing/discount rules, sales performance).

• Roles. For your merchant/admin data we act as controller; for store/transaction and shopper-related data you provide, we generally act as your processor under your documented instructions.

• You warrant you have lawful authority to provide Customer Data and will not submit more personal data than the Services require.

  
  

4. Use of the Services

You may use the Services solely for your internal business purposes and in accordance with documentation and platform policies. You will not (a) reverse engineer, (b) bypass security, (c) misuse APIs, (d) use the Services for unlawful, high-risk, or safety-critical purposes, or (e) introduce malware.

5. Subscriptions, Billing & Taxes

Access is subscription-based (plan, seats, usage limits as shown at checkout or in your order). Fees are due in advance and non-refundable except as required by law. Platform commissions, taxes, and bank fees are your responsibility unless we state otherwise in writing.

6. Service Changes & Availability

We may modify features, release updates, or discontinue components, provided we do not materially degrade core functionality during a paid term. The Services may be unavailable during maintenance, outages, or events beyond our control.

7. Support

We provide reasonable technical support for paid plans as described in your plan or order. Enhanced support may be purchased separately.

8. Privacy & Data Protection

Our Privacy Policy forms part of these Terms. Where required, we will enter into a Data Processing Addendum (DPA). We implement administrative, technical, and physical safeguards appropriate to the risk, including encryption in transit, access controls, and monitoring. No system is perfectly secure.

9. Security Incidents (Breach) – Remedy-First

If we confirm a security incident affecting personal data in our possession or control, we will (a) investigate and mitigate, (b) notify you without undue delay as required by law, and (c) provide information reasonably necessary for you to comply with your obligations.
Primary Remedies. Before any monetary remedy is considered, we will work with you in good faith to re-perform services, repair or replace impacted components, implement workarounds, and/or provide reasonable service credits.

10. Remediation, Cure & Cooperation

If either party believes the other has breached these Terms, the noticing party will provide written notice describing the issue. The receiving party has 30 days to cure. Both parties will cooperate to resolve issues quickly, including configuration changes, rules adjustments, or data corrections.

11. Third-Party Platforms & Providers

The Services may integrate with platforms (e.g., e-commerce, payments), apps, or providers you choose. Your use of third-party offerings is governed by their terms and privacy policies. We are not responsible for third-party acts or omissions.

12. Cashback Credits; No Fiat Commitment

• Meaning of “Cashback.” In the context of CrowdCom’s websites, apps, services, features, documentation, and communications, “cashback” means cashback credits or cashback store credits only, as applicable to the merchant’s configuration.

• Nature of Credits. Cashback credits or store credits are promotional credits issued and administered by the merchant. They are not cash, not legal tender, not deposits, and are not redeemable for fiat unless the merchant independently enables a fiat withdrawal option. Credits may be used only toward eligible purchases per the merchant’s policies and may be subject to expiration, exclusions, non-transferability, and other merchant-set rules.

• No Fiat Commitment by CrowdCom. CrowdCom does not provide, commit to provide, or support any conversion or redemption of credits into fiat currency, bank transfers, e-money, cryptocurrency, or equivalent payout instruments. CrowdCom is not a money transmitter, e-money issuer, stored-value issuer, or payment services provider, and does not operate payout rails for cashback.

• Merchant Responsibility for Fiat Options. If a merchant elects to offer fiat redemption or payout of credits, the merchant does so solely at its own discretion and risk, and is solely responsible for:

  1. Implementing the necessary technical, operational, and financial infrastructure;

  2. Complying with all applicable laws and regulations, including payment services, money transmission, e-money, AML/CFT, sanctions, tax, consumer protection, privacy, and marketing rules;

  3. Informing end users of the merchant’s applicable terms.
     The merchant must procure and manage its own third-party providers to support any fiat functionality.

• No Support or Liability. CrowdCom has no obligation to enable, assist, troubleshoot, maintain, or support any fiat redemption feature offered by a merchant, and will have no liability arising from or related to any such feature, payouts, or compliance. The merchant will defend, indemnify, and hold harmless CrowdCom and its affiliates, officers, directors, employees, and agents from any claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to the merchant’s fiat redemption option or failure to comply with applicable law.

• Precedence. If any description of “cashback” elsewhere in these Terms is inconsistent with this Section 12, this Section 12 prevails.
  
  

13. Intellectual Property

• CrowdCom owns all intellectual property rights in and to the Services and any deliverables (excluding Customer Data).

• Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services during your subscription term.

• Feedback may be used by us without restriction.

• You must not, and will not permit any third party to:

  1. Copy, modify, translate, adapt, or create derivative works of the Services;

  2. Reverse engineer, decompile, disassemble, or otherwise attempt to derive or gain access to source code, underlying ideas, algorithms, file formats, or non-public APIs;

  3. Bypass, interfere with, or defeat any technical or usage limits, encryption, or access controls;

  4. Rent, lease, sell, sublicense, assign, publish, or otherwise transfer or make the Services available except as expressly allowed;

  5. Use the Services (including outputs, models, or non-public data) to build, train, or improve a competing product or service, or to benchmark for competitive purposes without our prior written consent;

  6. Remove or alter any proprietary notices; or

  7. Scrape, mine, or harvest data from the Services except via our documented, permitted APIs.

• Any unauthorized attempt to access, copy, or reverse engineer our technology is a material breach.

• We may immediately suspend or terminate access and pursue all remedies available at law or in equity—including injunctive relief and damages—and, where appropriate, refer matters to regulators or law enforcement.

  
  

14. Confidentiality

Each party will protect the other’s non-public information with reasonable care and use it only to perform under these Terms. Confidentiality obligations survive for 3 years (trade secrets: while secret).

15. Warranties & Disclaimers

We warrant we will provide the Services with reasonable skill and care. Except as expressly stated, the Services are provided “as is” and “as available.” We do not warrant uninterrupted or error-free operation, outcomes, profitability, sales lift, or suitability for high-risk uses. To the extent permitted by law, all other warranties are disclaimed (including merchantability, fitness, non-infringement).

16. Indemnities

• By CrowdCom . Subject to this Section 16, CrowdCom will indemnify Customer from damages finally awarded by a court of competent jurisdiction, or amounts paid in a settlement approved in writing by CrowdCom, arising from a third-party claim that the Services, as provided by CrowdCom and used by Customer in accordance with this Agreement and without modification, infringe any third-party intellectual property right (an “IP Claim”).

  CrowdCom has no obligation to defend any IP Claim. Customer will be responsible for its own defense. CrowdCom may, in its sole discretion, participate in the defense of an IP Claim and may elect to assume control of the defense and settlement. Customer will not incur any attorneys’ fees or other defense costs on CrowdCom’s behalf without CrowdCom’s prior written consent, and Customer will not settle any IP Claim without CrowdCom’s prior written consent.

  This Section 16.1 does not apply to any IP Claim to the extent arising from: (i) Customer’s misuse of the Services, (ii) any combination of the Services with products, services, software, hardware, systems, or data not provided by CrowdCom, (iii) Customer Data, or (iv) Customer’s specifications or instructions.

• By Customer. Customer will defend and indemnify CrowdCom, and its officers, directors, employees, and contractors, from and against third-party claims to the extent arising from: (i) Customer Data, (ii) Customer’s breach of applicable law or third-party terms, or (iii) Customer’s misuse of the Services.

• IP Remedies. If CrowdCom reasonably believes the Services, or any portion of the Services, may become the subject of an IP Claim, CrowdCom may, at its expense and as its sole obligation and Customer’s exclusive remedy under Section 16.1: (a) procure the right for Customer to continue using the affected Services, (b) modify or replace the affected Services to be non-infringing while providing materially equivalent functionality, or (c) suspend the affected portion of the Services and provide Customer with a pro-rated credit for the period of suspension.

• Conditions.Customer must (a) promptly notify CrowdCom in writing of any IP Claim, and (b) provide reasonable cooperation. Failure to provide prompt notice will relieve CrowdCom of its obligations under Section 16.1 only to the extent CrowdCom is materially prejudiced by the delay.

• Cap. Notwithstanding anything else, CrowdCom’s total aggregate liability for all obligations under this Section 16, including indemnity amounts, settlements, judgments, and any costs CrowdCom elects to incur in connection with an IP Claim, will not exceed the Fees paid or payable for the Services in the six (6) months immediately preceding the event giving rise to the claim.
  
  

17. No Liability; Personnel Protected

To the maximum extent permitted by law:

• Excluded Damages. To the maximum extent permitted by law, CrowdCom will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, goodwill, or data, business interruption, or replacement costs, arising out of or relating to these Terms or the Services, regardless of the legal theory.

• Aggregate Cap. To the maximum extent permitted by law, CrowdCom’s total aggregate liability for all claims arising out of or relating to these Terms or the Services will not exceed the Fees paid or payable for the Services in the six (6) months immediately preceding the event giving rise to the claim.

• Personnel Protected. The limitations in this Section 17 apply collectively to CrowdCom and its officers, directors, employees, contractors, and agents.

• Non-Excludable Liability. Nothing in these Terms limits or excludes liability to the extent it cannot be limited or excluded under applicable law.

• Basis of Bargain. The parties agree that these limitations reflect a fair allocation of risk and form an essential basis of the bargain.

  
  

18. Dispute Resolution; No Monetary Relief Against CrowdCom

• Good-Faith Discussions. The parties will attempt in good faith to resolve disputes through business and legal contacts for 60 days.

• Optional Mediation. Either party may refer the dispute to the Singapore Mediation Centre under its Mediation Procedure. Each party bears its own costs, and the requesting party pays SMC fees unless otherwise agreed.

• Courts. If not resolved, either party may commence proceedings in the courts of Singapore.

• Injunctive Relief. Either party may seek interim injunctive or equitable relief to protect intellectual property or Confidential Information.

• Monetary Relief. Any monetary relief is subject to Section 17 and, for IP Claims, Section 16.

• Severability. Unenforceable parts will be applied to the maximum lawful extent, and the remainder will remain in force.

  
  

19. Term, Suspension & Termination

These Terms start when you first use the Services and continue while you have an active subscription. We may suspend or terminate access for material breach (after notice and cure period), illegal use, security risk, or non-payment. You may terminate at the end of a term per your plan. Fees are non-refundable, except where required by law or expressly stated.

20. Effects of Termination; Data Return/Deletion

Upon termination, your right to use the Services ends. Upon request within 30 days, we will make available an export of Customer Data in a commonly used format, then delete or de-identify it from active systems within a commercially reasonable period (subject to backups/legal holds).

21. Compliance

You represent and warrant that you will comply with applicable laws (including privacy, consumer protection, marketing, and export controls). You will not use the Services in embargoed or sanctioned jurisdictions or for prohibited end-uses.

22. Force Majeure

Neither party is liable for delays or failures caused by events beyond reasonable control (e.g., internet failures, outages, cyberattacks, acts of God, governmental actions), provided the affected party uses commercially reasonable efforts to mitigate.

23. Publicity

We may use your business name and logo as a customer reference during your subscription, unless you opt out by written notice.

24. Assignment

You may not assign these Terms without our prior written consent (not unreasonably withheld). We may assign to an affiliate or in connection with merger, acquisition, or sale of assets.

25. Changes to Terms

We may update these Terms from time to time. Material changes will be notified via email or in-app. Continued use after the effective date constitutes acceptance.

26. Governing Law & Venue

These Terms are governed by the laws of Singapore, without regard to conflict-of-laws principles. Subject to Section 17 (mediation first), the courts of Singapore have exclusive jurisdiction.

27. Entire Agreement; Order of Precedence; Severability

These Terms, the Privacy Policy, any DPA, and any order form constitute the entire agreement. If there is a conflict, the order form prevails, then the DPA (for processing matters), then these Terms, then the Privacy Policy. If any provision is unenforceable, the remainder remains in effect.

28. Notices

Legal notices must be sent to: hello@crowdcom.io and to 51 Goldhill Plaza, #07-10/11, Singapore 308900; notices are deemed given only when received.