Last updated: 22 June 2026

These terms and conditions ("Terms", "Agreement") constitute an agreement between Digital Services SG Six Pte. Ltd. ("Digital Services SG Six Pte. Ltd.", "us", "we" or "our"), a company incorporated in Singapore, and you ("User", "you" or "your"). This Agreement sets forth the general terms and conditions of your access to and use of the Jaz mobile application, the Jaz web application, and any of their products or services (collectively, the "Transactions Platform", "Services" or "Jaz").

1. Acceptance of These Terms

By accessing, installing, downloading or using the Transactions Platform or the Services, you acknowledge that you have read and understood, and agree to be bound by, these Terms, our Privacy Policy, and any additional terms or policies referenced in these Terms or presented to you in connection with specific features. Where any specific feature, including any third-party service, is subject to separate or additional terms, you must agree to and accept those terms before using that feature. If you do not agree to be bound by any of these Terms, you must immediately cease using the Transactions Platform and any Services provided through it, close your Account in Jaz, delete the Transactions Platform from your devices, and terminate your relationship with us, without cost or penalty. These Terms apply in addition to, and do not derogate from, any other terms or conditions that expressly apply to a specific product or service accessed, supplied or provided by or through the Transactions Platform.

2. Amendments to These Terms

We reserve the right to amend, vary or change any information on the Transactions Platform and in these Terms. Amended Terms take effect from the time of posting on the Transactions Platform or our website. You are responsible for reviewing these Terms periodically so that you remain aware of any changes, and you shall be bound by the amended Terms if you continue to access or use the Transactions Platform or the Services.

3. Definitions

The following definitions apply in these Terms unless inconsistent with the context or otherwise specified.

“Account” ​means the primary means for accessing and using the Services, subject to payment of the Fees designated in the selected Plan. You may hold multiple Subscriptions, which may be subject to separate and distinct Plans.

“Add-on” means any optional feature, capability, volume entitlement or service that may be added to a Plan for an additional Fee, as made available by us from time to time.

“Billing Cycle” means the recurring interval (monthly, quarterly or annual, as applicable to your Plan) in respect of which Fees are charged in advance, unless otherwise agreed between the parties.

“Commitment-Tiered Features” ​has the meaning given in Section 9 (Usage Limits and Fair Use).

“Content” means any data, information or material that you submit to, or create within, Jaz in the course of using the Services.

“Fees” or “Service Fees” means all fees, charges and amounts payable by you for the Services, as may be notified by us from time to time, including subscription fees, transaction fees, payment processing fees, Add-on fees and any other special service fees applicable to your use of the Services.

“Force Majeure Event” ​means, in relation to a party, any act, omission or circumstance over which that party could not reasonably have exercised control, including acts of God, acts of public enemy, perils of navigation, hostilities, acts of war (declared or undeclared), acts or threatened acts of terrorism, acts, regulations, orders or omissions of any government or public authority, blockade, riots, insurrections, civil commotion, pandemics, epidemics, governmental regulations imposed after the date of your entry into this Agreement, earthquakes, other natural disasters, or any other cause beyond that party's reasonable control.

“Free Plan” ​means a Plan made available at no Fee on an ongoing basis, as distinct from a Free Trial.

“Free Trial” ​means temporary access to the Services for the purpose of evaluation, in accordance with any selected Plan, without payment of a Fee.

“Organization” ​means a distinct entity, business or workspace that you create, or are granted access to, within an Account, and in respect of which the Services are provided. An Account may contain one or more Organizations.

“Plan” ​means the subscription tier and billing arrangement you select for an Account, which may be offered on a monthly, quarterly or annual billing basis, or on a pay-as-you-go or other usage-based basis, in each case as made available by us from time to time. References to a "monthly Plan", "quarterly Plan" or "annual Plan" are to the corresponding billing basis.

“Privacy Policy” ​means our privacy policy, available at [jaz.ai/legal], as updated from time to time.

“Providers” ​means our affiliates, licensors, distributors and service providers.

“Subscription” ​means your subscription to the Services through a Plan of your choice, for your access to and use of an Account.

“User” ​means any individual whom you authorize to use the Services within an Account by way of designated login credentials.

4. Accounts and Membership

If you create an Account in Jaz, you are responsible for maintaining the security of your Account, and you are fully responsible for all activities that occur under your Account and any other actions taken in connection with it, including communication, ordering, invoicing and analytics. You must be at least eighteen (18) years of age, and where you enter into these Terms on behalf of an entity, you represent that you are authorized to bind that entity. We may monitor and review new Accounts before you may sign in and use the Services. Providing false contact information of any kind may result in the termination of your Account. You must immediately notify us of any unauthorized use of your Account or any other breach of security. We shall not be liable for any act or omission by you, including any resulting damages. We may suspend, disable or delete your Account (or any part of it) if we determine that you have violated any provision of this Agreement, or that your conduct or content would tend to damage our reputation and goodwill. If we delete your Account for the foregoing reasons, you may not re-register for the Services, and we may block your mobile number, email address and Internet protocol address to prevent further registration.

5. Authorized Users and Advisor Access

You may authorize individuals to access and use the Services within your Account as Users, including employees, contractors, and external advisors such as accountants or bookkeepers. You are responsible for: (a) ensuring that each User complies with these Terms; (b) all acts and omissions of your Users; and (c) managing and promptly revoking User access as appropriate.

Where you access an Organization as an invited User or advisor, for example where a client invites your firm to access its Organization, you may access and use that Organization only for the purposes and within the scope authorized by the subscriber of that Organization, and the subscriber remains responsible for its Organization and its Subscription. The allocation of rights and responsibilities between a subscriber and its invited Users or advisors is a matter between those parties, and we are entitled to rely on the access permissions configured within the Services. We may suspend or revoke any User's access where we reasonably consider it necessary to protect the Services, other users, or any person.

6. Plans, Subscriptions and Service Fees

The use of an Account is subject to payment of the applicable Fees. Upon sign-up for an Account, you must select a Plan. Different rates apply to different Plans. The applicable Fees are charged in advance on monthly, quarterly or annual intervals, unless otherwise agreed between the parties. Invoices are issued for the Services, are due upon receipt, and are made available to you by email or through the Transactions Platform.

Access to the Services, or to certain features of the Services, may require you to pay certain Fees. You agree to pay when due all Fees applicable to your use of the Services, and you are responsible for the full amount of applicable Fees for each Billing Cycle in which you use the Services or maintain an Account.

We reserve the right to change prices at any time, including by changing a previously free Service to a paid Service. Where we change the price of a Service to which you are subscribed, we shall provide you with prior notice and an opportunity to terminate your Account, and we shall not charge you for a previously free Service unless you have been notified of the applicable Fees and have agreed to pay them. If you do not accept the new pricing, you may terminate your Subscription in accordance with Section 14 (Suspension and Termination). Failing the required termination notice, you shall be deemed to have accepted the new prices.

7. Change of Plan

You may upgrade or downgrade your current Plan at any time directly on the Transactions Platform. Where additional support is required, or for custom arrangements, you may contact us at billing@jaz.ai.

You acknowledge that downgrading may cause a loss of features or capacity of the Services available to you before downgrading your Plan, including a reduction of any Commitment-Tiered Feature allowances as described in Section 9 (Usage Limits and Fair Use). We shall not be liable for such loss. When you upgrade or downgrade, the new Fees become immediately applicable, and all Fees are non-refundable. Upon upgrade, the new Fees for the subsisting month shall be charged on a pro-rated basis and shall be payable in accordance with Section 8 (Billing and Payments). Subsequent months shall be charged in full according to the new Fees, and any credits shall be adjusted accordingly.

8. Billing and Payments

Where future Services are offered on a Free Trial basis, payment may be required after the Free Trial period ends. If auto-renewal is enabled for the Services to which you have subscribed, you shall be charged automatically after each Billing Cycle, in accordance with the subscription term you selected and the billing details you have provided to us.

You authorize us to use the credit or debit card you have provided to us (as updated from time to time) to automatically charge you, under your selected Plan, for the Fees applicable to your Account or your use of the Services, plus any applicable taxes. If we are unable to charge your billing account for any reason, you shall be notified of such non-payment. You agree to pay all past-due Fees and taxes within three (3) business days of notice of non-payment from us. If your Account becomes overdue, we shall be entitled to reimbursement for the reasonable costs of collection, including reasonable legal fees and expenses.

Where you use any third-party payment service in connection with the Services, we are responsible for paying to the relevant third-party payment service provider such fees and charges as apply to that service ("PSP Fees"). We may, from time to time, require you to pay to us such proportion of the PSP Fees as we consider fair and reasonable in our sole discretion. Where you are to be charged for any part of the PSP Fees, we shall notify you of such additional charges before your next Billing Cycle.

We may refuse, limit or cancel any order, registration or Subscription request, at our discretion, including where it is associated with the same Account, payment method or billing details. Where we make a change to or cancel an order, we may notify you using the contact details on file. We reserve the right to change the Services and pricing at any time.

9. Usage Limits and Fair Use

Access to and use of the Services are subject to usage limits, technical constraints and fair use parameters determined by us. Unless otherwise expressly agreed in writing, the following usage limits apply per Organization across all Plans and Add-ons: (a) sales transactions (invoices and credit notes): 5,000 per month; (b) purchase transactions (bills and credit notes): 5,000 per month; (c) journal entries: 5,000 per month; (d) bank transactions: 5,000 per month; (e) direct cash entries: 5,000 per month; (f) documents (including quotes, sales orders, purchase requests and purchase orders): 5,000 per month; (g) fixed assets: 5,000 total assets; (h) items: 5,000 total items; (i) contacts: 20,000 total contacts; (j) administrative Users: unlimited on applicable Plans, subject to a maximum of 100 active user sessions per day across all users in the Organization; and (k) any other entity, document, transaction or record type not explicitly enumerated in (a) to (j) above: 1,000 per month or 1,000 total, as applicable.

The usage limits in (a) to (k) apply regardless of how the relevant entity, document, transaction or record is created, accessed or modified, whether through the user interface, the API, or any other means. The API is an access method for the Services and does not provide a separate or additional allowance for any entity, document, transaction or record type.

For an Organization on a Free Plan, file attachments and other uploaded files are subject to a fair-use storage cap of 50 GB in aggregate per Organization, and we may prevent or restrict further uploads where that cap is reached. We reserve the right to introduce or vary storage limits, including per-file size limits, for any Plan in accordance with these Terms.

Certain features of the Services are made available subject to monthly usage allowances that vary according to your billing commitment (the "Commitment-Tiered Features"). As of the date of these Terms, the Commitment-Tiered Features comprise API calls and Jaz Magic document extraction. We may designate additional features as Commitment-Tiered Features from time to time.

For each Commitment-Tiered Feature, a standard monthly allowance applies (the "Standard Allowance"). Organizations subscribed to a quarterly or annual Plan are instead entitled to an extended monthly allowance equal to ten (10) times the applicable Standard Allowance (the "Extended Allowance"). The Standard Allowance applies to all monthly Plans and to all pay-as-you-go and other usage-based billing arrangements, irrespective of the number of months or the duration purchased or committed; only a quarterly or annual Subscription confers the Extended Allowance. The Standard Allowance for each Commitment-Tiered Feature is as set out in the applicable Plan documentation made available by us (including on our pricing page or within our product documentation), as updated from time to time, and may be expressed as an absolute figure, a multiplier, or another relative measure.

Each allowance is calculated per calendar month, resets at the start of each calendar month, and does not accumulate, roll over or carry forward; any unused portion is forfeited at the end of each month without credit or refund. Allowances are determined per Organization and do not stack, aggregate or combine across Plans, Subscriptions, billing arrangements, Organizations or Accounts. Eligibility for the Extended Allowance is determined by the billing commitment in effect at the applicable time. If a quarterly or annual Subscription is downgraded, canceled, expires, lapses, or is otherwise converted to a monthly, pay-as-you-go or usage-based arrangement, the applicable allowance reverts immediately to the Standard Allowance, and any unused Extended Allowance for the then-current month is forfeited without credit or refund. You shall not create, combine, split, rotate or otherwise structure Plans, Subscriptions, Organizations or Accounts for the purpose of obtaining allowances in excess of those applicable to a single qualifying Subscription, and we may throttle, limit, suspend or disable access where we reasonably suspect any such circumvention.

For the purposes of these Terms, "API calls" means any requests made to the Services through the application programming interface, whether directly or indirectly, including via API keys, personal access tokens, software development kits, command-line tools, Model Context Protocol (MCP) servers or clients, agent-based systems, automation frameworks, orchestration systems, or third-party services or systems; each such request constitutes one API call. References to Jaz Magic document extraction are to document extraction and related artificial intelligence processing operations made available as part of the Magic Suite, in each case as measured by us. The allowances for the Commitment-Tiered Features apply in addition to, and not in lieu of, the limits in (a) to (k) above; each API call and each instance of any other Commitment-Tiered Feature both counts toward the applicable allowance under this Section and counts toward any applicable limit in (a) to (k) for the entity, document, transaction or record it creates, accesses, modifies, processes or otherwise affects.

Usage of the Commitment-Tiered Features is measured by our systems, and our records of such usage shall be conclusive and binding absent manifest error. We do not levy per-unit or overage charges for usage of the Commitment-Tiered Features; where an allowance is reached, we may pause, throttle, limit or restrict access to the relevant feature until the start of the next calendar month, unless additional volume has been expressly agreed in writing. Allowances may be calculated, measured and enforced on a prorated daily basis, and usage remains subject to additional rate limits, including limits expressed per second, minute, hour or day, in each case as determined, applied, modified and enforced by us in our sole discretion from time to time.

Where any usage under this Section (including any of the quantified record limits set out above) exceeds the applicable usage limits, any applicable prorated allocation, or applicable rate limits, we may, in our sole discretion and without liability, throttle or limit access to the relevant functionality, or suspend or disable access to the Services in whole or in part, unless additional volumes, Add-ons or other usage entitlements have been expressly agreed in writing. Where usage-based pricing or Add-ons are available, such usage remains subject to the above limits, which constitute standard maximum thresholds unless otherwise permitted by us. For the Growth Plan, Custom Plan, or any other Plan subject to a separately executed order form or agreement, applicable usage limits and any related terms shall be governed by such order form or agreement.

Where a pay-as-you-go or other usage-based billing option is made available, you acknowledge that such option may carry reduced functionality, lower usage allowances, or restricted or no access to certain features of the Services as compared to standard subscription Plans. Such limitations may apply, without limitation, to the Magic Suite (document extraction and related artificial intelligence capabilities), the Agent Suite (artificial intelligence command, assistant and agent capabilities), and tax or compliance capabilities, as well as to such other features, allowances or entitlements as we may determine. Feature availability, usage thresholds, allowances and entitlements applicable to pay-as-you-go and usage-based options are determined solely by us, and may be introduced, modified, expanded, reduced, reclassified or withdrawn at any time in accordance with these Terms. For the avoidance of doubt, selection of a pay-as-you-go or usage-based option does not entitle you to feature parity with any subscription Plan.

We may revise these limits from time to time, including to reflect infrastructure requirements, product changes, security considerations, compliance obligations or fair use enforcement. Continued use of the Services after any revision takes effect constitutes acceptance of the revised limits.

10. Changes to and Availability of the Services

We may, at any time and from time to time, modify, update, enhance, suspend, restrict or discontinue the Services, or any feature or part of them, whether temporarily or permanently. Where a change is likely to materially and adversely affect your use of the Services to which you subscribe, we shall use reasonable efforts to notify you. We may carry out scheduled or emergency maintenance, and may suspend access to the Services in whole or in part where reasonably necessary for maintenance, security, or to address a risk to the Services or any person. We do not warrant that the Services shall be available at all times or without interruption. We may release updates to our software, including automatic updates, to maintain or improve the Services.

11. Free Trials and Beta Features

Access to the Services may be provided on a Free Trial basis for evaluation purposes. Free Trials may carry reduced functionality, restricted access to certain features, or other technical limitations as compared to paid Plans. During a Free Trial, certain features may be disabled, limited or unavailable, including the ability to download reports, create or use API keys, or access certain automation or document extraction outputs. Feature availability, usage thresholds and technical limitations during a Free Trial are determined solely by us, and may be modified, expanded, reduced or removed at any time in our sole discretion. Free Trials are provided strictly for evaluation purposes and may be suspended, restricted or terminated at any time.

We may, from time to time, make beta, trial, preview or early-access features available (collectively, "Beta Features"). Beta Features are provided on an "as is" basis for evaluation only, may be incomplete or unstable, may be modified or withdrawn at any time, and are excluded from any service commitments. You use Beta Features at your own risk.

12. Your Content, Data Protection and Security

Your Content. We do not own any Content that you submit to, or create within, Jaz in the course of using the Services. You have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership of, or right to use, all Content you submit. We do not sell your Content. Unless specifically permitted by you, your use of Jaz does not grant us any license to use, reproduce, adapt, modify, publish or distribute your Content for commercial, marketing or similar purposes. You grant us permission to access, copy, distribute, store, transmit, reformat, display and perform your Content solely as required to provide the Services to you. We may use aggregated and de-identified data derived from use of the Services, in a form that does not identify you, any User, or any individual or business, to operate, maintain, develop and improve the Services, including our features and models. We may monitor and review Content submitted or created using the Services, and we have the right, but not the obligation, in our sole discretion, to refuse or remove any Content that, in our reasonable opinion, violates any of our policies or is in any way harmful or objectionable.

Third-party artificial intelligence providers. Certain artificial intelligence and agentic capabilities of the Services rely on third-party large language model or other artificial intelligence service providers. Any processing by such third-party providers, including in relation to model training, is governed by that provider's own terms and policies. To the fullest extent possible, we disallow, and take reasonable steps to block, the use of your Content for model training by such third-party providers.

Data protection. We collect, use, process and disclose personal data in accordance with our Privacy Policy, available at [jaz.ai/legal], and with the Personal Data Protection Act 2012 of Singapore and other applicable data protection laws. Where we process personal data on your behalf in providing the Services, such processing is governed by our Data Processing Addendum, which is incorporated into these Terms by reference and is available on request or at [jaz.ai/legal]. You are responsible for ensuring that you have a lawful basis and all necessary rights, consents and authority to provide any personal data contained in your Content to us, and for our processing of that personal data in connection with the Services. Where we engage third-party service providers, including sub-processors, to support the provision of the Services, we shall require them to handle personal data in a manner consistent with our obligations.

Security. We maintain reasonable technical and organizational measures designed to protect Content against unauthorized access, loss, alteration or disclosure, taking into account the nature of the Services. No method of transmission or storage is completely secure, and we do not guarantee absolute security. In the event of a personal data breach affecting your Content, we shall notify you and take steps as required by applicable law.

Backups. We perform regular backups of Content; however, such backups are maintained for our own administrative purposes only and are not guaranteed. You are responsible for maintaining your own backups of your data. We provide no compensation for lost or incomplete data in the event that backups do not function properly.

Data retention and deletion. We retain Content in accordance with this Section and our Privacy Policy. For an active Organization on a Free Plan, Content is retained for so long as the Organization remains active, subject to the storage limits described in Section 9 (Usage Limits and Fair Use). Where an Organization on a Free Plan is dormant, meaning that it has had no activity for a continuous period of twenty-four (24) months (with activity meaning any sign-in to, or any transaction or other operation within, the Organization, as determined by us), we reserve the right to deactivate the Organization and to permanently and irreversibly delete the Organization and its associated data, without liability. We may, at our discretion and on a best-efforts basis, seek to notify the affected Account using the contact details on file before doing so, but we are under no obligation to provide such notice. Deletion under this Section is irreversible, and deleted data cannot be recovered.

13. Artificial Intelligence Outputs; No Professional Advice

You acknowledge that the Services, including Jaz Magic and other artificial intelligence and agentic features, may generate outputs that are inaccurate, incomplete, or otherwise erroneous, and that you bear sole responsibility for reviewing, verifying, and validating all such outputs prior to any reliance upon them. No representation or warranty is given that any output is accurate, complete, current, or fit for any particular purpose.

The Services are provided for informational and operational purposes only and do not constitute, and shall not be construed or relied upon as, accounting, audit, tax, financial, legal, or other professional advice. You acknowledge that we do not act as your accountant, bookkeeper, auditor, tax agent, financial advisor, or legal advisor, and that you retain sole responsibility for the accuracy and completeness of your records, for your accounting and tax positions, and for your compliance with all applicable laws, regulations, and filing obligations. You should obtain independent professional advice where appropriate.

14. Suspension and Termination

You are solely responsible for the proper cancellation of your Account. You may terminate a Plan at any time by raising a request for cancellation, by managing your Subscriptions on the Jaz customer self-service portal, or by emailing us at billing@jaz.ai, and by ceasing all use of the Services. The cancellation must be received by us at least fifteen (15) days before the end of the relevant Billing Cycle. All Fees are non-refundable, and there are no refunds or credits for periods in which you did not use an activated Account, used it only partially, or deactivated the Account or terminated these Terms during an ongoing payment interval.

In the event of any actual or threatened breach of these Terms by you (including non-payment of Fees), we may immediately suspend all or part of your Plans, and we may terminate these Terms, including your Plans. Termination or expiry of this Agreement does not affect either party's rights and obligations that accrued before such termination or expiry. On termination or expiry, you must pay all Fees for Services provided before such termination or expiry.

If you have purchased a Service for a specific term, termination shall be effective on the last day of the then-current term. Upon expiration or termination of this Agreement: (a) your right to access and use the Services shall terminate; (b) all credentials associated with your administrative Users shall be deactivated or downgraded to a Free Plan, if any; and (c) you shall immediately discontinue use of the Services.

Data export. For a period of thirty (30) days following the effective date of termination or expiry of your Subscription (the "Transition Period"), we will, where reasonably practicable and unless prohibited by law or precluded by your material breach of these Terms, make your Content available for export or retrieval in a commonly used format. You are responsible for exporting your Content during the Transition Period. After the Transition Period, we may delete or render your Content inaccessible in accordance with Section 12 (Your Content, Data Protection and Security) and our Privacy Policy, and we shall have no further obligation to retain or return it.

15. Acceptable Use

You are prohibited from using Jaz or its Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful act; (c) to violate any international, federal, state, provincial or local regulations, rules, laws or ordinances; (d) to infringe or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate or discriminate; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that may affect the functionality or operation of the Services or of any related application, other applications or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Services or any related application, other applications or the Internet. We reserve the right to terminate your use of the Services for violating any prohibited use.

16. Verification and Risk Controls

We may require you to provide identity, business or other verification information, and may carry out checks, where we consider it reasonably necessary for security, regulatory compliance, fraud prevention or risk management. We may refuse, limit, suspend or cancel any registration, order, Subscription or transaction, including where it is associated with the same Account, payment method or billing details, and may notify you using the contact details on file.

17. Third-Party Services, Links and Promotions

The Services may interoperate with, link to, or otherwise make available third-party products, services, websites, content or promotions that are not owned or controlled by us. We do not endorse, and are not responsible or liable for, any third-party product, service, content or promotion. Any dealings, correspondence or transactions with any third party, including any advertiser, sponsor or provider of a promotion, are solely between you and that third party. Your access to or use of any third-party product or service may be subject to separate terms and policies, which you should review. Your access to or use of any linked third-party property is at your own risk.

18. Payment Services and Virtual Wallet

Digital Services SG Six Pte. Ltd. is not a bank, payment institution or money services business. Where payment-related features are made available as part of the Services, they may be provided through one or more third-party payment service providers, and your access to and use of such features is governed solely by the terms and policies of the relevant provider. We are not a party to, and are not responsible for, any underlying transaction between you and any supplier ("Supplier") or customer ("Customer"). Each Supplier or Customer with whom you transact is responsible for making payment in the manner agreed between you and that Supplier or Customer, and you enter into a direct contractual relationship with the respective Supplier or Customer.

Where made available, the Services may offer a virtual wallet feature (the "Virtual Wallet") enabling the loading, holding, transfer, receipt or withdrawal of funds in connection with transactions concluded through the Services. The Virtual Wallet may not be available to all Users or in all circumstances, and we may introduce, modify, suspend or withdraw it at any time. Any Virtual Wallet and related services are offered and operated by a third-party provider and are subject to that provider's terms, to which you shall be bound. We do not provide or operate any virtual wallet or related services, and do not facilitate the transfer of funds into or out of any Virtual Wallet.

Financial crime, sanctions and verification. Where payment-related or Virtual Wallet features are made available, your use of them is subject to applicable anti-money laundering, counter-terrorism financing, sanctions and know-your-customer requirements. We, or the relevant third-party provider, may require additional identity, business or beneficial-ownership information, may conduct screening and ongoing monitoring, and may decline, delay, suspend, hold, freeze or reverse any transaction, or restrict or terminate access to such features, where reasonably necessary to comply with applicable law or to manage financial-crime, sanctions or fraud risk. You must not use the Services to facilitate any activity that is unlawful, sanctioned or otherwise prohibited.

We do not endorse, and disclaim all liability for, the acts, omissions or defaults of any third-party provider, and make no representation or warranty of any kind as to any aspect of their services. By enabling or using any such third-party service, you permit us to disclose data as necessary to facilitate that service, and you assume all risk and responsibility for your access to and use of it. Digital Services SG Six Pte. Ltd. does not require the approval of the Monetary Authority of Singapore for the Transactions Platform.

19. Accuracy of Information

Information made available on or through Jaz may, from time to time, contain typographical errors, inaccuracies, or omissions, including in relation to feature descriptions, pricing, or availability. We reserve the right to correct any error, inaccuracy or omission, and to change or update information at any time without prior notice. We undertake no obligation to update, amend or clarify information on Jaz, including pricing information, except as required by law.

20. Intellectual Property and License

The Services, including all software, technology, models, content and materials made available by us (excluding your Content), and all intellectual property rights in them, are and remain the exclusive property of Digital Services SG Six Pte. Ltd. and its licensors. Subject to these Terms and your payment of applicable Fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable and revocable license to access and use the Services for your internal business purposes during the term of your Subscription. We reserve all rights not expressly granted. If you provide us with any feedback or suggestions, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them without restriction or obligation to you.

21. Confidentiality

Each party may have access to non-public information of the other party that is designated as confidential, or that should reasonably be understood to be confidential ("Confidential Information"). The receiving party shall use the disclosing party's Confidential Information only as necessary to exercise its rights and perform its obligations under these Terms, and shall protect it using at least a reasonable standard of care. This Section does not apply to information that is or becomes public through no fault of the receiving party, was rightfully known to the receiving party without restriction, was rightfully received from a third party without restriction, or is independently developed by the receiving party.

22. Disclaimer of Warranties

To the maximum extent permitted by law, the Services and all outputs are provided on an "as is" and "as available" basis, without warranty of any kind. We and our Providers expressly disclaim all warranties, whether express, implied, statutory or otherwise, including any implied warranties or conditions of merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, accuracy, reliability, availability and security, and any warranty arising from course of dealing, course of performance or usage of trade. We do not warrant that the Services or outputs will be accurate, complete, error-free, uninterrupted, secure or free of harmful components. Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy that may not lawfully be excluded, restricted or modified.

You warrant and represent that you are acquiring the right to access and use the Services for the purposes of a business, and that, to the maximum extent permitted by law, any statutory consumer guarantee, right or remedy, or any legislation intended to protect non-business consumers, in any jurisdiction does not apply to the supply of the Services or to these Terms.

Limitation of Liability

To the maximum extent permitted by law, neither party, nor our Providers, shall be liable, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for any indirect, consequential, incidental, special, punitive or exemplary loss or damage, or for any loss of profit, revenue, business, goodwill, customers, capital, anticipated savings, opportunity or data, or for any liabilities, penalties or losses arising from legal, tax or accounting compliance matters, in each case whether or not foreseeable and whether or not the party was advised of the possibility of such loss.

To the maximum extent permitted by law, our total aggregate liability arising out of or in connection with the Services and these Terms, however arising, shall not exceed the total Fees paid by you to us for the Services in the six (6) month period immediately preceding the event giving rise to the liability.

The limitations and exclusions in this Section do not apply to: (a) your obligation to pay Fees and applicable taxes; (b) either party's indemnification obligations; (c) breach of confidentiality obligations; (d) infringement or misappropriation of the other party's intellectual property rights; or (e) any liability that cannot lawfully be excluded or limited, including liability for fraud, fraudulent misrepresentation, willful misconduct, gross negligence, or death or personal injury caused by negligence.

If you are dissatisfied with the Services, your sole and exclusive remedy is to cease using them and to terminate your Subscription in accordance with Section 14 (Suspension and Termination).

The parties agree that the disclaimers and limitations in these Terms represent a reasonable allocation of risk and form an essential basis of the bargain between them.

24. Indemnity

You shall indemnify, defend and hold harmless Digital Services SG Six Pte. Ltd., its affiliates and Providers, and their respective officers, directors, employees and agents, from and against any and all claims, demands, actions, liabilities, losses, damages, costs and expenses (including reasonable legal fees) arising out of or relating to: (a) your Content; (b) your access to or use of the Services; (c) your breach of these Terms or violation of any applicable law or third-party right; or (d) any dispute between you and any User, Supplier, Customer or other third party. We may, at our option, assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you shall cooperate with us.

25. Force Majeure

Neither party shall be liable for any delay or failure to perform its obligations under these Terms (other than an obligation to pay money) to the extent that such delay or failure is caused by a Force Majeure Event. The affected party shall use reasonable efforts to mitigate the effect of the Force Majeure Event. If a Force Majeure Event continues for a continuous period of more than sixty (60) days, either party may terminate the affected Subscription on written notice.

26. Dispute Resolution and Governing Law

The parties shall first attempt in good faith to resolve any dispute, claim or controversy arising out of or in connection with these Terms (a "Dispute") informally. The party raising the Dispute shall give written notice to the other party, and the parties' senior representatives shall seek to resolve the Dispute within forty-five (45) days of such notice.

Any Dispute not resolved under the preceding paragraph shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of the SIAC for the time being in force, which rules are deemed incorporated by reference into this Section. The seat of the arbitration shall be Singapore, the tribunal shall consist of one (1) arbitrator, and the language of the arbitration shall be English.

To the fullest extent permitted by law, each party agrees that any Dispute shall be brought in that party's individual capacity, and not as a plaintiff or class member in any purported class, collective or representative proceeding. Nothing in this Section prevents either party from seeking interim or injunctive relief from a court of competent jurisdiction.

These Terms, and any Dispute, are governed by and construed in accordance with the laws of Singapore.

27. General

Assignment. You may not assign or transfer these Terms, or any rights or obligations under them, without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction.

Entire agreement. These Terms, together with any documents and policies expressly incorporated by reference, constitute the entire agreement between the parties in relation to the Services, and supersede all prior agreements and understandings.

Order of precedence. Where you and we enter into a separately executed order form, enterprise agreement, or similar written agreement signed by both parties, the terms of that agreement shall prevail over these Terms to the extent of any conflict, solely as between you and us and solely as to the subject matter of that agreement.

Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary or, if it cannot be so modified, severed, and the remaining provisions shall continue in full force and effect.

No waiver. No failure or delay by either party in exercising any right under these Terms shall operate as a waiver of that right.

Electronic communications. You consent to receive communications from us electronically, including by email or through the Services, and you agree that such electronic communications satisfy any legal requirement that a communication be in writing.

Time limit for claims. To the extent permitted by law, any claim arising out of or in connection with these Terms or the Services must be commenced within twelve (12) months after the cause of action accrues, failing which it is permanently barred.

Third-party and open-source components. The Services may include third-party or open-source components that are subject to their own terms. In the event of a conflict between these Terms and such terms in respect of those components, the latter prevail to the extent of the conflict and solely as to those components.

Publicity. We may identify you as a customer and use your name and logo in our marketing materials and customer lists. You may opt out of such use by notifying us at legal@jaz.ai.

Notices. Notices to us must be in writing and sent to legal@jaz.ai. We may provide notices to you through the Services or to the contact details associated with your Account.

Third-party rights. Except as expressly provided in these Terms, a person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 of Singapore to enforce any provision of these Terms. Notwithstanding the foregoing, our affiliates and Providers may enforce the disclaimers, limitations of liability and indemnities in these Terms as if parties to them.

Export and sanctions. You represent that you are not located in, and shall not use the Services in violation of, any applicable export control or economic sanctions laws.

Relationship of the parties. The parties are independent contractors, and nothing in these Terms creates any partnership, joint venture, agency or employment relationship.

Survival. Any provision that by its nature should survive termination or expiry of these Terms shall survive, including provisions relating to Fees, your Content, intellectual property, confidentiality, disclaimers, limitation of liability, indemnity, dispute resolution, and this Section.