1. In these Terms of Use, unless the context otherwise requires, the following terms shall have the respective meanings indicated:
      "Account" means the user account assigned to User upon registration pursuant to Clause 4;

      "Confidential Information" includes, but is not limited to, trade secrets, personal data, intellectual property rights, and any information that should be reasonably be recognized as confidential information;

      "Content" includes, but is not limited to, texts, photographs, images, illustrations, audio clips, video clips, files, photographs, logos, slogans or any other material that is published on the platform or any other platform;

      "Intellectual Property Rights" includes, but is not limited to, service marks, trademarks, copyrights, trade and business names, rights in the nature of unfair competition rights and rights to sue for passing off, trade secrets, confidentiality, know-how and information used in or relating to the Services, the benefit of all licenses, permissions and rights given or granted to Limestone Network by third parties;

      "Limestone Network", "Our", "Us" or "We" refers to Limestone Network Pte Ltd (Registration No. 201822714Z), a company incorporated in Singapore;

      "Limestone Network Data" means Limestone Network's trade secrets, confidential information, intellectual property rights, and such other information that is proprietary to Limestone Network;

      "Personal data" refers to any data, whether true or not, about an individual who can be identified (a) from that data or (b) from that data and other information that We have or are likely to have access, including data in Our records as may be updated from time to time. Such data includes names, addresses, telephone numbers, email addresses, bank account details;"

      Platform" means http://www.limestone.network and/ or the Limestone Smart City App operated by Limestone Network through the platform, offline or through such other means as Limestone Network deems necessary to facilitate the provision of such services and such contemplated transactions;

      "Platform Documents" means all agreements, contracts and other related documents that User enters into in relation to the Services;

      "Purpose" means the provision of the Services and operation of the Platform; managing and administering the User's Account and Limestone Network’s relationship with the User; sending transactional messages including responding to User's questions, comments, or requests, providing customer service and support, sending the User technical notices, updates, security alerts and support and administrative messages; personalising the Services, including providing content, features or advertisements that match the User's interests or preferences; sending marketing and/or promotional materials about Limestone Network’s Services or the products or services of its affiliates and business partners, features, surveys, newsletters, offers, promotions, events, updates and other news about Limestone Network, which the User may opt out of receiving; notifying User of any changes to the Platform or the Services that may affect the User; monitoring and analysing trends, usage and activities in connection with the services; investigating and preventing fraudulent transactions, unauthorised access to the platform and/or use of the Services and other illegal activities; to generate credit assessment reports about the User for Our business; to remunerate a User’s Introducer or Referral Partner in a manner that is reasonable; and complying with the applicable laws and regulations;

      "Services" means the services and the transactions contemplated in connection with such services provided through the Platform;

      "Trade Secrets" refers to ideas, know-how, show how, methods, techniques or processes that derives independent economic value from not being generally known to, and not being readily accessible persons who can obtain economic value from its disclosure or use;

      "User", "You" or "Your" refers to the person using the platform whether as a visitor or as a registered member;

      "User Data" includes, but is not limited to, User's personal information (confidential or otherwise), trade secrets and know-how, User's business, trade and financial information and such other information that is proprietary to User;
    2. In these Terms of Use:
      1. words importing the plural shall, except where the context otherwise requires, include the singular and vice versa;
      2. references to the masculine gender shall include the feminine or neuter genders and vice versa; and
      3. references to persons shall be construed as references to an individual, firm, company, body corporate, statutory board, government body, incorporated body of persons, association or trust as the context may require, and their respective successors in title and assigns
    1. Your use of this platform shall be governed by these Terms of Use (the "Terms of Use"). By using the Services, You agree to be bound by these Terms of Use, Our Privacy Policy, all applicable Platform Documents, and all applicable laws governing the same. By accessing the platform, You unconditionally accept the present Terms of Use in their entirety, and such Terms of Use shall become the basis of the User Agreement between You and Limestone Network.
    2. If a material change is made, we may notify You by email, a notice on the platform, or at such other places We deem appropriate. A "material change" will be determined at Our sole discretion, in good faith, using common sense and reasonable judgment.
    3. In the event of any conflict between the current version of these Terms of Use and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.
    4. In the event that You should participate in any transaction, these Terms of Use shall be deemed to be incorporated into each Platform Document that You are a party to. In the event of any conflict or inconsistency between these Terms of Use and a Platform Document, the terms of such Platform Document shall prevail.
    5. We may amend the Terms of Use at any time by posting a revised version of the Terms of Use (the "Revised Terms") on the platform. Such Revised Terms shall be effective immediately upon posting. You should check these Terms of Use periodically for, and read carefully such Revised Terms. Your access to or continued use of the platform and Services after the effective date of the Revised Terms constitutes Your acceptance of the Revised Terms. 
  4. By clicking "Accept", "Agree", "Submit" or "Continue" when prompted in relation to these Terms of Use, or any transaction relating to a Platform Document, You shall be deemed to have read, understood, and agreed to the terms and conditions of the Terms of Use, such Platform Document, and such act of clicking "Accept", "Agree", "Submit" or "Continue" shall also constitute an acceptance.

    1. As a condition of using certain aspects of the platform and Services, You will be required to register with Limestone Network and select a “UserID” and password.
    2. You shall provide accurate, complete, and updated registration information. We reserve the right to request additional information or supporting documents to verify Your identity as well as the ownership of the bank account designated to Your Account.
    3. You shall not use as Your UserID any name or term that (i) is the name of another person, with the intent to impersonate that person; (ii) is subject to any rights of another person, without appropriate authorization; or (iii) is offensive, vulgar, or obscene. We reserve the right, at Our sole discretion to refuse registration of, or cancel a “UserID”. A failure to comply with the foregoing may also result in the suspension or termination of Your Account.
    4. You are solely responsible for the activity that occurs on Your Account and shall be responsible for maintaining the confidentiality of Your password to Your Account. You shall never use another User’s Account. You shall immediately notify Limestone Network in writing of any unauthorized use of Your account, or other known Account-related security breaches.
    5. We shall not be liable for any losses or damages incurred as a result of Your Account details being shared by You. If You use a shared computer, it is recommended that You do not save Your Account details in Your internet browser.
    6. If You have reason to believe that Your Account details have been obtained by another without consent, You should contact Us immediately to suspend Your Account.
    1. You warrant that all personal particulars and information provided in the creation of Your Account are complete, true, and accurate. You shall ensure that such personal particulars and information are kept updated in Your User profile.
    2. We may collect and use information about you in accordance with our privacy policy (Policy URL: https://www.limestone.network/privacy-policy).
    3. You are responsible for any and all activity that occurs on Your Account and You are solely responsible for ensuring the security of Your Account. You shall be liable for any and all loss or damage (whether direct or indirect) that We may suffer as a result of any authorized or unauthorized use of Your Account. We will not be liable for any loss or damage to You or any third party caused by any unauthorized use of Your Account.
    4. You hereby agree that in respect of any personal information that You have submitted to us, we are entitled to use such information:
      1. in furtherance of the Services or any transactions that You wish to participate in
      2. or record purposes and verification of Your personal particulars including comparing it with information from other sources and using such information to communicate with You;
      3. to conduct statistical analysis of the users of platform including (but not limited to) the number of users, frequency of use, profile of users and using such analysis for Our business plans, the enhancement of Our services and conveying such information in general terms (but no information in relation to specific individuals) to third parties who have or propose to have business dealings with Limestone Network;
      4. to keep You informed via e-mail and electronic newsletters regarding the Services and potential transactions;
      5. to comply with any request from any third party or any Order of Court or directive from authorities investigating any alleged offense, misdeeds, and/or abuse or for the purposes of taking legal action against any Users.
    5. You hereby release Limestone Network from and against any and all claims, suits, liabilities, or damages which You may sustain in connection with Your particulars or information being used in the manner set out in this Clause.
    1. We may collect and use personal data belonging to You in accordance with the provisions of the Personal Data Protection Act 2012 (the “PDPA”).
    2. You are deemed to have consented (or obtained the consent of the Relevant Individuals) to the collection, use, and disclosure of personal data of Relevant Individuals by Your continued dealing, use of Limestone Network’s Services, and/or acceptance of the terms and conditions contained herein.
    3. We agree and warrant that:
      1. The personal data will be kept strictly confidential and will be processed and used solely for the Purpose and Permitted Purposes;
      2. The processing and transfer of personal data will be in accordance with the provisions of the PDPA; and
      3. We shall notify you of any request for disclosure received from any authority or individual.
    4. We shall:
      1. Implement appropriate security measures to protect personal data against accidental or unlawful destruction, accidental loss, alteration, unauthorized disclosure or access;
      2. Keep the personal data collected only for as long as it is necessary for the Purpose and Permitted Purposes or as is required by the applicable law, whichever is later.
    5. We may disclose or transfer the personal data inside or outside Singapore for the following purposes (collectively, “Permitted Purposes”):
      1. to administer Your Limestone Network account and provide services to You including but not limited to the facilitating of funds for Customers, maintaining accurate “know your customer” information, to verify the identities or authorities of Customers and/or their representatives who contact Limestone Network or may be contacted by Limestone Network, and to carry out or respond to requests, questions or instructions from Customers and/or their representatives;
      2. to facilitate transactions;
      3. to comply with this Agreement and any other terms and conditions as may be stipulated by Limestone Network from time to time and at any time;
      4. to carry out, monitor and analyze Our business;
      5. to send You marketing material that You have agreed to receive, including but not limited to newsletters sent by Us via email, information sent by Us about Limestone Network products and services, including updates on Our latest promotions and new products and services, via email, text message or phone call;
      6. as part of any sales, mergers, or similar change of Limestone Network’s business;
      7. to comply with any applicable laws, rules, or regulations in any country;
      8. to detect, prevent and investigate fraud; and
      9. to generate credit assessment reports about You for Our business.
      10. to remunerate Your Introducer or Referral Partner in a manner that is reasonable.
    6. Personal data may be disclosed to Our service providers providing services that are necessary for the Purpose and Permitted Purposes. In such event, We shall procure Our service providers to keep the personal data confidential and to use the same, strictly in accordance with Our directions.
    7. If You have given false or inaccurate information or if We suspect fraud, we will record this and may pass this information to fraud prevention and law enforcement agencies
    8. You have the right to access, update or correct the personal data We hold about You, or withdraw Your consent to the use, collection and, disclosure of Your personal data (subject to certain exceptions). Please note that if You withdraw consent, we may still be permitted to hold, use or disclose some of Your information as required or permitted by law, and, we may no longer be able to provide the Services to You.
  9. Limestone Network shall retain all ownership, rights, title, and interests in the Limestone Network Data. You shall retain all ownership, rights, title, and interests in Your User Data. You hereby grant Limestone Network the license to process, transmit, publish, display or use Your User Data in such manner as is necessary for Us to perform the Services.

    1. You acknowledge that in the course of Limestone Network providing the Services, you may be granted access to Confidential Information belonging to other Users, Limestone Network, its affiliates, associates, or business partners. Confidential information shall not include information that is:
      1. is available in the public domain through no breach of the User Agreement or other wrongful act on Your part;
      2. already in Your possession at the time of disclosure and without restriction as to confidentiality;
      3. received by You from a third party without any restriction on disclosure and without breach of agreement or other wrongful act on Your part;
      4. independently developed by You without reference to the confidential information;
      5. is required to be disclosed by law or order of a Court of competent jurisdiction, provided that You shall furnish prompt written notice of such required disclosure and reasonably cooperate with Limestone Network to seek a protective order or other appropriate protection of the Confidential Information; and any disclosure under this sub-clause is limited to the extent of the legal requirement
    2. You shall keep such Confidential Information strictly confidential and shall use the Confidential Information solely for the purposes and in connection with the Services and/or in respect of any transaction that You have participated in, or intend to participate
    3. Save for the aforesaid, you shall not copy, publish, disseminate, use or otherwise exploit such Confidential Information
    4. As damages may not be sufficient remedy for a breach of this Clause, we reserve the right to seek specific performance or injunctive relief to prevent any threatened or actual breach of this Clause. The obligations of confidentiality contained in this Clause shall survive the termination of the User Agreement.
    1. All Content on the platform is proprietary to or is licensed by Limestone Network. Such Content is protected by copyrights, trademarks, service marks, and/or other intellectual property rights that are governed by Singapore and worldwide copyright laws.
    2. The names, trademarks, service marks, and logos appearing on the platform are the registered or unregistered Trade Marks of Limestone Network or its affiliates, associates, business partners, or service providers (collectively the "Trade Marks"). Nothing in these Terms of Use shall be construed as granting to You (by implication, estoppel, or otherwise) any license or right to use any Trade Marks.
    3. You shall not without Our prior written approval:
      1. use the Trade Marks in relation to any product, service, merchandise or platform;
      2. copy, reproduce, adapt, modify, distribute, publish, post, or otherwise use or exploit any Content on the platform in any way or for any purpose;
      3. distribute or make any part of the platform available over any other platform or any network;
      4. hyperlink or in-link the platform and/or Trade Marks to any platform;
      5. frame or otherwise incorporate into another platform any of the Content or other materials on the platform.
      6. Whilst You may use the Trade Marks or the platform in a descriptive manner, You shall not refer to the Trade Marks or the platform in any way to suggest that You or Your platform is affiliated to or is endorsed by Limestone Network, its affiliates, associates, business partners or service providers.
    1. You may only use the platform in a manner that is lawful and ensure that You comply fully with any and all local, national or international laws and/or regulations.
    2. You shall not:
      1. upload, post or otherwise transmit any information, content, or proprietary rights that You do not have a right to transmit;
      2. post or transmit any threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material
      3. attempt to decipher, decompile, disassemble or reverse engineer any of the software or HTML code comprising any part of the platform;
      4. use the platform to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and
      5. attempt to gain unauthorized access to any part of the platform, the server on which platform is stored, or any other server, computer, or database connected to the platform.
      6. attack the platform by means of a denial of service attack, a distributed denial-of-service attack, spam, or by any other means;
      7. use the platform in any way or for any purpose that is illegal, fraudulent, or intended to harm any person or persons in any way.
    3. By breaching the provisions of this Clause, You may be committing a criminal offense. We will report such breaches to the relevant authorities and We will cooperate fully with those authorities by disclosing Your identity to them.
    4. We reserve the right to suspend or terminate Your access to the platform if You materially breach the provisions of this Clause or any of the other provisions of these Terms of Use. Without prejudice to the foregoing, We reserve the right to take one or more of the following actions:
      1. issue You with a written warning;
      2. take legal proceedings against You;
      3. any other actions which We deem reasonably appropriate (and lawful).
    5. We exclude any and all liability arising out of any actions (including, but not limited to those set out above) that We may take in response to breaches of these Terms of Use.
  14. The platform may contain links to other platforms ("Linked Sites"). The Linked Sites are provided for Your convenience and information only and, as such, You access them at Your own risk. The content of any Linked Sites is not under Our control. We are not responsible for and do not endorse, such Content, whether or not We are affiliated with the owners of such Linked Sites.

    1. The platform and Service are provided "as is" and on an "as available" basis. We give no warranty that the Service will be free of defects and/or faults. To the maximum extent permitted by the law, We provide no warranties (express or implied) of fitness for a particular purpose, accuracy of the information, compatibility, and satisfactory quality.
    2. No Content in the platform shall constitute financial, legal, or risk assessment advice on which You should rely. It is provided for general information purposes only. You should always seek independent professional or specialist advice before participating in any transaction.
    3. We make no representation, warranty, or guarantee that the platform will meet Your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.
    4. Whilst We make reasonable efforts to ensure that the Content on the platform is complete, accurate, and up-to-date, We do not make any representations, warranties, or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date.
    5. Whilst We take all reasonable steps to ensure that the platform is secure and free from viruses and other malware, We do not guarantee that the platform is secure or free from viruses or other malware and will not accept any liability in this regard. You are responsible for protecting Your hardware, software, data, and other material from viruses, malware, and other internet security risks.
    1. To the fullest extent permissible by law, We accept no liability to any User for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) the platform or the use of or reliance upon any Content included on the platform.
    2. We shall not be liable for any loss of profits, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage even if We have been advised of the possibility of such damage.
    3. We shall not accept any liability arising out of any disruption or non-availability of the platform due to external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
  18. Our aggregate liability for any damages incurred in connection with these Terms of Use, whether in contract or tort (including negligence but excluding gross negligence or willful misconduct) or strict liability shall not exceed three (3) times the amount of any fees that you may pay Us pursuant to any Platform Document.

    1. Limestone Network shall not be in breach of this Agreement, nor be liable for any failure or delay in the performance of any other obligations under this Agreement arising from or attributable to acts, events, omissions, accidents beyond its reasonable control, including but not limited to any of the following:
      1. acts of God, including but not limited to fire, flood, earthquake, windstorm or other natural disaster;
      2. war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, breaking off of diplomatic relations or similar actions;
      3. terrorist attack, civil war, civil commotions or riots;
      4. nuclear, chemical or biological contamination or sonic boom;
      5. fire, explosion or accidental damage;
      6. collapse of building structures, failure of plant machinery, machinery, computers or vehicles;
      7. interruption or failure of utility service, including but not limited to electric power, gas or water;
      8. any labor disputes, including but not limited to strikes, industrial action or lockouts;
      9. any interruption to the Platform or Services outside the reasonable control of Limestone Network; and/or
      10. acts of any government or authority.
    2. In the event that any such delay or non-performance continues for a period in excess of 120 calendar days, Limestone Network shall have the right to terminate this Agreement by giving the Customer fourteen (14) Business Days’ notice in writing prior to such termination without affecting any rights accruing prior to such termination.
    1. The User authorizes Limestone Network and/or its agents to:
      1. conduct credit checks on User;
      2. obtain and verify any information about the User as Limestone Network may in its sole and absolute discretion deem fit and the User authorizes all sources to which Limestone Network may apply to provide any information which Limestone Network may require in connection with a Loan Request;
      3. disclose any information and/or data relating to the User and its account(s) and/or credit cards (if any) to Limestone Network, or any other information as Limestone Network may deem necessary to:
        1. any User’s head office, representative and branch offices and/or any related company or associated company of the User, in any jurisdiction;
        2. any government or regulatory agency or authority;
        3. any of the Customer’s potential assignee or any credit bureau (including without limitation Credit Bureau Singapore as well as the members of such credit bureau;
        4. any other third parties, service provider, agents or business partners (including, without limitation, credit reference or evaluation agencies) wherever situated for any purpose whatsoever;
        5. any other person to whom disclosure is permitted or required by the Law; and
        6. the Introducer of whom had referred You to the Platform. Such disclosure of Your information in connection with the referral to Your Introducer or Referral Partner is in a manner that is reasonable for the purpose of remunerating such referral to Your Introducer or Referral Partner
    1. You shall indemnify and keep harmless Limestone Network, its affiliates, associates, business partners, or service providers from and against any and all claims, losses, damages, costs (including legal costs on an indemnity basis), and expenses arising out of or in connection with (i) Your access or use of platform and Services; (ii) any breach of the terms of these Terms of Use, or any policies, rules, and regulations governing the use of the platform and Services; or (iii) any infringement of any third party rights.
    2. In addition, We may use whatever information that is available about You to stop any such breach or any unlawful or inappropriate use of the platform and Services, including informing any third party We deem appropriate of such breach or use and/or disclosing Your personal information to such third party.
    1. We reserve the right to suspend (whether temporarily or permanently) or terminate Your account and/or Your use of the Services with or without notice to You if We consider, in Our sole discretion, that You are in breach of the terms of these Terms of Use, or any of its policies, rules, and regulations governing the use of the platform and Services.
    2. We shall not be liable to You for such suspension or termination. If Your account is terminated or canceled for any reason whatsoever, You shall not be entitled to any compensation whatsoever. For the avoidance of doubt, the suspension or termination shall not prejudice Our rights against You for the breach of these terms, for any amounts due or other obligations accrued prior to such suspension or termination. This Clause shall survive the termination of this User Agreement.
  24. We will cooperate with law enforcement authorities as required by law. We will cooperate with law enforcement agencies in any investigation of alleged illegal activity regarding the use of the Services when requested.

    1. Each notice or other communication given or made under this Agreement shall:
      1. be in writing delivered by prepaid first-class post, or by e-mail;
      2. be deemed to have been received, unless otherwise proven, in the case of a letter, two (2) Business Days if posted to an address within Singapore or ten (10) Business Days if posted to an overseas address and, in the case of an e-mail, at the time when the e-mail was sent; and
      3. be sent to You at the address/e-mail stated in Your User Profile and, in the case of Limestone Network, to the following address:

        9 Raffles Place, Level 6 Republic Plaza 1, Singapore 048619

        #1106, Level 11 at Exchange Square Building No. 19-20, St. 106, Village 2, Sangkat Wat Phnom, Khan Daun Penh, Phnom Penh, Kingdom of Singapore

        E-mail: [email protected]
  27. The Terms of User, any User Agreement, and any rights and licenses granted hereunder may not be transferred or assigned by any User but may be assigned by Limestone Network without restriction or consent.

  29. The remedies conferred by the provisions of these Terms of Use shall be in addition to any other remedy that is available to Us at law or in equity. The election of any one or more of such remedies on Our part shall not constitute a waiver by Us of the right to pursue any other available remedy.

  31. If any clause or part of a Clause of these Terms of Use shall be or be found by any authority or Court of competent jurisdiction to be, invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions or parts of such provisions of these Terms of Use, all of which shall remain in full force and effect.

  32. WAIVER
  33. No failure or delay on Our part to exercise any right, power, or remedy under these Terms of Use shall operate as a waiver thereof, nor shall any single or partial exercise of the same preclude any further exercise thereof or the exercise of any other right, power or remedy. Without limiting the foregoing, no waiver on Our part of any breach by You of any provision hereof shall be deemed to be a waiver of any subsequent breach of that or any other provision hereof.

  35. A person who is not a party to this User Agreement shall not have or acquire any right to enforce any term of this User Agreement (including, but not limited to, any right to enforce or have the benefit of any exclusion or limitation of liability contained in this User Agreement) under the Civil Code of (Right of Third Parties) Singapore. This Clause shall override any other Clause in this User Agreement that is or may be inconsistent with it.

  37. The validity, construction, and performance of these Terms of Use shall be governed by and interpreted in accordance with the laws of Singapore, and You hereby irrevocably submit to the jurisdiction of the Courts of Singapore. Nothing in this Clause 28 limits the right of Limestone Network to bring proceedings against You in connection with this Agreement (a) in any other Court of competent jurisdiction or (b) concurrently in more than one jurisdiction.