Terms and Conditions

These Terms & Conditions constitute a legally binding agreement between D24 Fintech Holding Pte. Ltd. “D24,” “We,” “Our,” or “Us”), a company incorporated under the laws of Singapore, which enables individuals, companies, and developers (“Users,” “You,” or “Yours”) to access our Products, Solutions, and Consulting services (referenced collectively as “Services” in these Terms) through Our website www.D24group.com (“Website”).

1. 1. Introduction
      1. The Company offers a range of financial technology and trading solutions through blockchain networks, and other cutting-edge technologies, with or through any external partners where necessary.
      2. New entities may be enlisted to provide additional Services. Our liabilities and obligations to you shall be strictly limited to those specified in the latest applicable Terms and Conditions.
      3. You understand that the Website is only intended to serve as a platform for You to gain awareness of the Services offered by Us. You shall, at Your sole discretion, carefully assess the authenticity, validity, and legality of the Services offered and solely bear the responsibilities and losses that may arise when accessing them.
      4. You agree that Your use of the Services is at Your sole risk and acknowledge that anything contained therein, including, but not limited to, content, services, goods, or advertisements (“Items”) are provided as is and that We make no warranty of any kind, express or implied, as to the Items, including, but not limited to, merchantability, non-infringement, title, or fitness for a particular purpose or use.
      5. We do not warrant that our Website is free of errors or viruses or worms like Trojan horses, and we are not liable for any damage You may suffer when browsing Our Website. The content of other websites, services, goods, or advertisements that may be linked to the Service or the Website is not maintained or controlled by Us, and We will not be liable for you suffering any adverse impact by relying on such content.
   2. Availability of Our Website
      1. We make no representations and provide no warranties that:
         1. the Website will be made available at any specific time or in any specific geographical location;
         2. Your access to the Website will be continuous or uninterrupted; or
         3. the Website will be accessible or optimized for all browsers, computers, tablets, phones, or viewing platforms.
      2. We reserve the right to suspend access to all or part of the Website for any reason, including for business or operational reasons, such as improving appearance or functionality, Website content updates, periodic maintenance, or resolving any issues that We become aware of. Whenever we anticipate the need to suspend access to the Website for a considerable period of time, We will try to provide You with prior notice where reasonably practicable.
   3. Ownership of Material on our Website
      1. All trademarks, service marks, trade names, logos, copyrights, and other intellectual property rights in Our Website and its content are either owned by Us or licensed to Us. All such rights are protected by intellectual property laws around the world, with all rights reserved. Any use of the Website and its contents, other than as specifically authorized, is strictly prohibited. Any rights not expressly granted herein are reserved by Us.
      2. The trademarks, service marks, trade names, logos, and other branding owned by third parties and used or displayed on or via our Website (collectively, “Third Party Mark(s)”) may be trademarks of their respective owners, who may or may not endorse or be affiliated with or connected to Us. Except as expressly provided in these Terms, or in terms provided by the owner of a Third Party Mark, nothing in these Terms or on or via the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of Our or any Third Party Marks that are used or displayed on the Website, without the respective owner’s prior written permission, in each instance. All goodwill generated from the use of our trademarks will benefit Us exclusively.
      3. Our Website is made available to You to provide You with general information about Us, Our business, and any Services that We offer from time to time. We do not make Our Website available for any other purposes, except as expressly provided in these Terms of Use.
   4. Permitted Use of Materials on Our Website
      1. You may print or share the content from Our Website for lawful personal, private, and non-commercial purposes, and You may also make others within Your organization aware of the content on the Website. You may not otherwise extract, reproduce, or distribute the content of the Website without Our prior written consent.
      2. Whenever You print, download, share, or pass on content from Our Website to others, You must:
         1. Not make any additions or deletions or otherwise modify any text from the Website.
         2. You must not alter or change any images, media, or graphics contained on Our Website in any way.
         3. You will not remove any accompanying text from such images, media, or graphics.
         4. You must ensure that all content passed on to any third party is an accurate representation of the content as it appears on the Website.
      3. You are prohibited from using any robots, spiders, data mining, or scraping technology, or any similar third-party tools for the extraction or reproduction of any data or content from the Website without Our prior written consent.
      4. Whenever you pass on any content or materials from the Website to anyone, You must acknowledge Us as the authors of such content or materials (or any other authors wherever credited by us) at the time of passing on of such content or materials.
   5. Prohibited Uses of the Website
      1. You must not reproduce, duplicate, copy, or resell any part of the Website or any content from the Website, save and except to the extent expressly permitted in these Terms of Use.
      2. You must not, without Our prior written consent, access, interfere with, damage, or disrupt in any way the Website or any part of it, Our systems, any of Our hardware or equipment, or any networks on which the Website is hosted, any software that We use to create or modify the Website or to make the Website available to you, or any hardware, equipment, network, server, software, or technology owned or operated by Us or any third party.
      3. You must use the Website for lawful purposes only and in accordance with these Terms of Use.
      4. You must not use the Website:
         1. for any purpose that is unlawful or that in any way breaches any applicable laws or regulations, whether local, national, or international;
         2. for any fraudulent purposes whatsoever;
         3. to conduct any unsolicited or unauthorized advertising or direct or indirect marketing to anyone by any means, or to otherwise spam, communicate with or market to anyone any goods, services or business not authorized by Us;
         4. to upload, host or transmit any viruses, malware, adware, spyware, worms, Trojan horses, keystroke loggers, spyware, logic bombs, time bombs or any other harmful programs or code that could adversely affect the use or operation of the Website, Our hardware or systems, or the computers, tablets, phones or other devices of any users or other third parties, or to upload any content or materials containing any such content;
         5. to communicate with, harm, or attempt to harm children in any way; or
         6. in any way or for any purpose that breaches these Terms of Use or the terms of any of the documents these Terms of Use refer to.
      5. You must not submit any information about Yourself to Us if You are under the age of 18, or about any other person who is either:
         1. under the age of 18; or
         2. if they are aged 18 or above, where You have not received their prior written consent to submit information about them to Us.
      6. You must not submit to Us any information that is considered sensitive personal information (“SPI”). SPI is information about You or any other person that reveals Your or their racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, or which is genetic data, biometric data, information that concerns Your or their health, sex life, or sexual orientation.
      7. If you submit such information to Us, you will be considered to have consented to our processing of that information on the basis of the applicable law, including the provisions of the General Data Protection Regulation (Regulation (EU) 2016/769).
   6. Viruses And Other Harmful Content
      1. We do not guarantee that our Website does not contain viruses or other malicious software.
      2. We shall not be responsible for any bugs or viruses on our Website, any software that might be transferred to Your computer from our Website, or any consequences which the presence or operation of such programs may have.
      3. You must ensure that You have in place up-to-date and effective anti-virus protection on Your computer or other browsing device.
      4. You must not upload or otherwise introduce to the Website any viruses, malware, spyware, adware, Trojan horses, worms, logic bombs, time bombs, keystroke loggers, or any other programs or code that is harmful or malicious.
      5. You must not use any third parties, software, or technology to attempt to gain unauthorized access to the Website, Our servers, systems, hardware, software, or data.
      6. You must not attempt to perform any denial-of-service type attacks on our Website.
      7. We may report any breach or suspected breach of this to the relevant authorities and may disclose Your identity as required under the law.
   7. Links To Other Websites
      1. Links to third-party content or Websites may appear on the Website from time to time. We are not responsible for the content of any websites accessible via any link(s) on the Website. All content on third-party websites is outside of Our control, and we do not represent or warrant that such content is related to us or our Website, suitable or appropriate for use or viewing, lawful, or accurate.
      2. Any third-party website accessible via a link on the Website may collect and process Your information. We are not responsible for any data-processing activities carried out by any third-party website that is linked to the Website, and we disclaim any liability in respect of the same. You should check the privacy policy of such third parties to establish how they may use Your information before deciding to use their website and its features.
   8. Links To Our Website
      1. You may not link to the Website without Our prior written consent.
      2. Where you have obtained our consent to link to Our Website:
         1. You may provide links to the Website on other websites owned by You, provided that such websites and the use of any links to the Website comply with these Terms of Use;
         2. wherever You post a link to the Website on any other website, You agree that you will do so in an appropriate manner, and not in any way that is defamatory or disparaging towards Us, which misrepresents Us or our business, or which causes any harm whatsoever to Us or Our business; and
         3. You must not link to the Website in a manner which suggests any form of joint venture, partnership, collaboration, affiliation, business relationship, approval, or endorsement in connection with Us where none exists and in any event, without having first obtained Our prior written consent.
      3. We may withdraw permission to link to the Website at any time. If We withdraw permission to link to the Website and inform You of the same, You must immediately remove or ensure the removal of any links to the Website.
   9. Restricted Jurisdictions
      1. Some or all our Services may not be available in compliance with applicable laws and regulations related to anti-money laundering, security and for other internal considerations. We may ask you for additional information to ascertain whether We can provide the Services as requested by You. We will promptly and duly inform You if We cannot provide Our Services to You.
   10. Force Majeure Events
       1. Force majeure events are events beyond the control of the Parties and are not reasonably foreseeable. They may include, but are not limited to, acts of God, war, pandemic/epidemic, state or governmental actions, abrupt changes in exchange/blockchain controls, nationalizations, devaluations, forfeitures, natural disasters, terrorism, and other inevitable, unforeseeable, unanticipated, and unpredicted events that are not dependent upon the will of the Parties.
       2. If any Party fails to meet its obligations under the Terms & Conditions because of a force majeure event, then the party shall not be considered liable, provided they give notice of such inability within a reasonable time period from the occurrence of such an event and the other Party does not contest the occurrence of the event.
   11. Intellectual Property Rights
       1. We own all intellectual property rights in, and to all, D24 businesses, technology, and other proprietary materials, including but not limited to the D24 Website and Services (including but not limited to all software, concepts, methodologies, techniques, models, templates, algorithms, trade secrets, processes, information, materials, source codes, structure, sequence, organization, images, text, graphics, illustrations, data, and know-how contained therein, all modifications, alterations, updates, upgrades, and enhancements thereof, all documentation and manuals related thereto, and all other aspects of such technology or product), and any other names and logos and all related product and service names, design marks, and slogans, trademarks (whether registered or not) which We own or control and make available to You through the Website or otherwise. This intellectual property is under Copyright D24 with all rights reserved, and the word D24 and the D24 logo are registered trademarks.
       2. You will not allow any third party other than users, i.e., those duly accepted as such by Us through written communication to You to use the Services (“Authorized Users”). You may permit Authorized Users to use the Services, provided you ensure each Authorized User complies with these Terms. You are responsible for acts or omissions by Authorized Users in connection with using the Services. You will, and will require all Authorized Users to, use all reasonable means to secure usernames, passwords, API keys, hardware, and software used to access the Services in accordance with standard security protocols (e.g., multi-factor authentication), and will immediately notify Us if You know or reasonably suspect that any username, password, or API key has been compromised. D24 will not be liable, and You will be solely responsible, for (A) any unauthorized access, damage, or loss that may occur through the use or misuse of Your usernames, passwords, API keys, hardware, or software; or (B) any activities that occur under any account issued to or created by You in connection with Your use of the Services, including any unauthorized access or use of any such account, in each case, except to the extent proven to have been directly caused by D24’s gross negligence, willful misconduct, or fraud.
       3. Copying and distributing the aforementioned materials for non-commercial purposes is allowed only with Our express written permission on a limited basis, provided that each copy of the material remains intact.
       4. To copy or redistribute such materials for commercial purposes or for compensation of any kind, You must:
          1. obtain Our prior written permission and
          2. make sure that all copies include the following notice in a clearly visible position: ‘Copyright D24. All rights reserved.’
       5. You agree to treat the Intellectual Property as confidential and shall use commercially reasonable measures to protect it from unauthorized access, disclosure, or misuse. This obligation shall survive termination of these Terms and Conditions.
       6. You shall ensure that Your employees, contractors, and affiliates are bound by equivalent confidentiality obligations.
       7. We retain the exclusive right to pursue enforcement actions against third-party infringement of Our Intellectual Property. You shall cooperate with reasonable requests to support such enforcement actions, including providing relevant documentation or testimony.
       8. In the event of a breach or unauthorized use of the Intellectual Property by You or Your affiliates, We may suspend access, seek injunctive relief, and pursue applicable remedies under intellectual property law, including statutory damages.
       9. Your use of the Intellectual Property within Your jurisdiction must be in full compliance with applicable laws, including virtual asset service provider regulations, anti-money laundering requirements, and digital asset licensing standards.
       10. We disclaim liability for any non-compliance arising from Your use or customization of Our Services.
   12. Limitation of Liability
       1. To the maximum extent permitted by applicable law, We disclaim all liability and shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, business, goodwill, use, data, or other intangible losses (even if either Party has been advised of the possibility of such damages), resulting from:
          1. The use or the inability to use the Website (in whole or in part) or any technical malfunctions;
          2. The cost of procurement of substitute goods and services;
          3. Unauthorized access to, or alteration of, your communications or data;
          4. Statements or conduct of any third party regarding our Website; or
          5. Any other matter hereof.
       2. To the maximum extent permitted by applicable law, We shall not be responsible or liable to You or any other individuals for:
          1. Any errors or omissions on the Website.
          2. Any information provided through the Website.
          3. Any decisions made or actions taken based on the Website, or the information presented on it.
          4. Any losses or damages, whether direct, indirect, consequential, special, or similar in nature, that result from or are connected to Your use of the Website, or any information or materials acquired by You through or in association with the Website.
       3. In any case, Our maximum aggregate liability under or in connection with these Terms or Your use of Our Service is limited to 100 USD or the amount of fees paid by You in the past 12 months, whichever is lesser.
   13. Indemnification
       1. You agree to indemnify, defend, and hold harmless D24, its affiliates, officers, directors, employees, agents, and representatives (“Indemnified Parties”) from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or related to:
          1. Your use of the Website and Services;
          2. Your violation of the Terms and Conditions;
          3. Your violation of any applicable laws, rules, or regulations;
          4. Your infringement or violation of any intellectual property rights or other rights of any third party.
   14. Disclaimer
       1. THE WEBSITE IS PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OR ENDORSEMENTS OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, AS TO:
          1. THE SERVICE;
          2. THE WEBSITE CONTENT;
          3. SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TO THE WEBSITE.
       2. IN ADDITION, WE HEREBY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION, AND FREEDOM FROM COMPUTER VIRUS.
       3. WE DO NOT REPRESENT OR WARRANT THAT THE SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVER THAT MAKES THE SERVICES AVAILABLE IS FREE FROM ANY HARMFUL COMPONENTS, INCLUDING, WITHOUT LIMITATION, VIRUSES.
       4. WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION (INCLUDING ANY INSTRUCTIONS) ON THE SERVICE IS ACCURATE, COMPLETE, OR USEFUL.
       5. YOU ACKNOWLEDGE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK.
       6. WE DO NOT WARRANT THAT YOUR USE OF THE WEBSITE IS LAWFUL IN ANY PARTICULAR JURISDICTION, AND WE SPECIFICALLY DISCLAIM SUCH WARRANTIES. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES, SO THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU TO THE EXTENT SUCH JURISDICTION’S LAW IS APPLICABLE TO YOU AND THESE TERMS OF USE.
       7. BY ACCESSING OR USING THE WEBSITE, YOU REPRESENT AND WARRANT THAT YOUR ACTIVITIES ARE LAWFUL IN EVERY JURISDICTION WHERE YOU ACCESS OR USE THE SERVICE.
       8. WE DO NOT ENDORSE CONTENT AND SPECIFICALLY DISCLAIM ANY RESPONSIBILITY OR LIABILITY TO ANY PERSON OR ENTITY FOR ANY LOSS, DAMAGE (WHETHER ACTUAL, CONSEQUENTIAL, PUNITIVE, OR OTHERWISE), INJURY, CLAIM, LIABILITY, OR OTHER CAUSE OF ACTION OF ANY KIND OR CHARACTER BASED UPON OR RESULTING FROM ANY CONTENT.
   15. Age Restrictions
       1. Our Website and any Services available on or via the Website are not intended for use by individuals under the age of 18.
       2. IF YOU ARE UNDER THE AGE OF 18, YOU MUST NOT USE OUR WEBSITE, PURCHASE OR ATTEMPT TO PURCHASE ANY OF OUR SERVICES, OR SUBMIT ANY INFORMATION ABOUT YOU OR ANYONE ELSE TO US.
       3. We do not knowingly or intentionally process information about any individual under the age of 18.
   16. Governing Law and Dispute Resolution
       1. These Terms & Conditions shall be governed and construed in accordance with the laws of the Republic of Singapore, without giving effect to its conflicts-of-law principles.
       2. You acknowledge and agree that the Parties shall attempt to resolve any controversy, divergence, or claim(“Claim”) through good faith negotiation within two months from the date of intimation of the Claim.
       3. The Parties acknowledge and agree that any unresolved Claim or dispute in connection with the existence, validity, interpretation, performance, breach, or termination of this clause or any dispute concerning or arising out of this clause (collectively referred to as the “Dispute”) shall be resolved through arbitration.
       4. The Dispute shall be submitted to the Singapore International Arbitration Center (“SIAC”) for resolution according to the SIAC Rules of Arbitration (“SIAC Rules”) in effect.
       5. The seat and venue of the arbitration shall be Singapore.
       6. The Parties will through mutual agreement appoint one arbitrator to the arbitral tribunal, failing which the appointment shall take place according to the SIAC Rules The arbitrator shall have the exclusive right to make a ruling on his/her right of jurisdiction, including but not limited to any objection to the existence, scope, or validity of the arbitration agreement or the arbitrability of any claim or counterclaim.
       7. The costs associated with the arbitration shall be borne equally by the Parties.
       8. The arbitration shall be conducted in English. The arbitrator shall, regardless of the method of arbitration, issue a reasonable written decision to explain the arbitration award, its basic conclusion, and the conclusion (if any). The arbitration award shall be final and binding upon the Parties, who will endeavor to get the award enforced by any court of competent jurisdiction.
   17. Modification If any provision of these Terms is determined by an adjudicatory body of competent jurisdiction to be invalid or unenforceable, such provision shall be enforced to the maximum extent permitted by law, and the remaining provisions of these Terms shall remain in full force and effect.
   18. Notices Any notice given under these Terms must be in writing, by email, or by electronic communication via the Website and will be deemed to have been given on transmission, unless the recipient can satisfactorily establish that the email or electronic communication was not received by the recipient’s email or web server. Notices to Us must be sent by email to [email protected]. Notices to You will be sent to the email address provided by You when accessing Our Service (or to such updated email address as may be notified to Us from time to time.
   19. Changes
       1. We may revise these Terms from time to time and will always present the most up-to-date version on Our Website. For the avoidance of doubt, by accessing Our Website and/or using Our Services you are bound by the latest version of these Terms and Conditions Agreement and other accompanying policies available on the Website. It is Your responsibility to periodically review and keep yourself apprised of the latest terms.
       2. Please inform Us of any changes to Your email address and other communication preferences, and We will take steps to update Our records after receiving such notification.