Terms of Service

1.1 These Terms of Service ("Terms") are an agreement between Sribuu Financial Pte. Ltd. (UEN 202141139M), trading as Fintelite, a company incorporated in Singapore with its registered address at 105 Cecil Street, #18-18, The Octagon, Singapore 069534 ("Fintelite", "we", "us"), and the business that signs up for or uses the Services ("Customer", "you").

1.2 By creating an Account, signing an Order Form, or accessing or using the Services, you agree to these Terms. If you accept them on behalf of a company or other organisation, you confirm that you have authority to bind it. The Services are for business use only and are not intended for consumers or for anyone under 18.

1.3 The "Agreement" consists of these Terms, any Order Form, the Privacy Policy and, where applicable, the Data Processing Agreement ("DPA"). If a signed Order Form or master services agreement conflicts with these Terms, the signed document prevails on the point of conflict. Terms printed on your purchase orders or vendor portals do not apply, even if we accept the purchase order.

"Account" means your account on the Services, including every User login under it.

"Credits" means the prepaid processing units used to pay for the Services, as shown in your Subscription Plan or top-up.

"Customer Data" means the documents, files and other data that you or your Users submit to the Services, and the Output.

"Documentation" means the product guides, API reference and help pages we publish.

"Order Form" means an order, quotation or statement of work for the Services signed or accepted by both parties.

"Output" means the data, fields, tables, classifications, fraud and validation flags, scores, summaries and other results the Services produce from Customer Data.

"Personal Data" means information about an identified or identifiable individual, as defined in Data Protection Laws. "Data Protection Laws" means the laws that apply to the processing of Personal Data under the Agreement, which may include Singapore's Personal Data Protection Act 2012 (PDPA), Indonesia's Law No. 27 of 2022 on Personal Data Protection, Malaysia's Personal Data Protection Act 2010, Australia's Privacy Act 1988 and the EU GDPR.

"Services" means Fintelite's AI-powered document processing and workflow platform and related products, including its web application, APIs and integrations, as described in the Documentation or an Order Form.

"Subscription Plan" means the free trial, pay-as-you-go or paid plan you select, with its usage limits.

"User" means an individual you authorise to use the Services under your Account.

3.1 What we provide. The Services classify documents, extract and validate their data, detect signs of tampering, and pass results to review, workflows and your systems through our APIs and integrations. We will use commercially reasonable efforts to make the Services available in accordance with the Agreement.

3.2 Free trial and free tier. If you use the Services on a free trial or free tier, you may do so within the limits shown on our website. Trial and free use is provided "as is", without support, warranties or indemnities, and we may change or end it at any time. Each Customer may have one free trial.

3.3 Changes. We improve the Services over time and may change or discontinue features. We will give reasonable advance notice of changes that materially reduce the functionality of a paid Subscription Plan during its term.

3.4 Availability and support. We target 99% monthly availability for our cloud Services, excluding scheduled maintenance and events outside our reasonable control. We will try to give advance notice of planned maintenance. Service levels and service credits apply only if set out in an Order Form. Support is provided by email at support@fintelite.ai in English.

3.5 Dedicated and on-premise deployments. If an Order Form provides for a dedicated instance or on-premise deployment, the licence scope, term, environment responsibilities and audit rights in that Order Form apply in addition to these Terms.

3.6 Professional services. Custom configuration, model tuning, integration and consulting work are not part of a Subscription Plan and require a separate Order Form.

4.1 Each User needs their own login. Logins must not be shared, and Accounts must not be registered by automated means.

4.2 You are responsible for all activity under your Account, for keeping passwords and API keys secure, and for the accuracy of the information you give us. Tell us promptly at support@fintelite.ai if you suspect unauthorised access. We are not liable for loss caused by compromised credentials that were in your control.

5.1 Plans. You may use the Services under a subscription (monthly or annual Credits) or pay-as-you-go top-ups. The minimum pay-as-you-go top-up is USD 50 or its equivalent. Fees, Credit allocations and per-document Credit rates are shown in the Services, on our pricing page or in your Order Form.

5.2 Credits. Credits are consumed as documents and pages are processed. Monthly subscription Credits reset each billing period and do not roll over. Pay-as-you-go Credits expire 3 months after purchase. Credits have no cash value and cannot be transferred.

5.3 Billing. Subscription fees are billed in advance and charged automatically to your payment method or invoiced. Unless an Order Form says otherwise, invoices are due within 30 days of the invoice date. If you exceed your plan limits, we may pause processing, charge overage at the rates in your plan, or ask you to upgrade.

5.4 Taxes. Fees exclude taxes. You are responsible for goods and services tax (GST), value-added tax and other applicable taxes, other than taxes on our income. If you are required by law to withhold tax from a payment, you will provide the official withholding certificate promptly.

5.5 Refunds. Fees and Credits are non-refundable, including for unused Credits, unused time or a move to a lower plan, except where the Agreement or applicable law requires otherwise.

5.6 Late payment. If an amount is unpaid when due, we may suspend the Services after giving at least 10 days' notice, until payment is received.

5.7 Price changes. We may change our prices. A change does not apply to a term or Credits you have already paid for, and we will notify you before it applies to your renewal.

6.1 Ownership. As between the parties, you own all Customer Data, including the Output. We claim no ownership of it.

6.2 Our license to use it. You grant us a non-exclusive, worldwide, royalty-free license to host, copy, process, transmit and display Customer Data only as needed to provide, secure and support the Services for you, and as the Agreement otherwise allows.

6.3 Personal Data and roles. For Personal Data contained in Customer Data, you are the controller and we act as your processor (a "data intermediary" under the Singapore PDPA) under Data Protection Laws, processing it only on your documented instructions. For account, billing and website data, we are the controller, as described in our Privacy Policy. A DPA is available on request and forms part of the Agreement where data protection law requires one.

6.4 Retention and deletion. Customer Data remains in your Account until you delete it, in the Services or through the API, or until the Agreement ends. We delete Customer Data within 30 days after the Agreement ends, unless an Order Form sets a different period or law requires us to keep it. Backup copies are deleted as backups expire. The Services are not an archive; keep your own copies of documents you must retain.

6.5 Your responsibilities. You confirm that you have a lawful basis, have given the required notices and have obtained any consents needed to submit Customer Data, including identity documents, bank statements and other Personal Data of your own customers. You are responsible for the accuracy, quality and legality of Customer Data.

7.1 The Services use machine learning models and may from time to time use models provided by third parties. Output is produced automatically, is probabilistic, and can be wrong or incomplete.

7.2 You are responsible for reviewing Output before relying on it, and for the decisions you make with it, including credit, lending, underwriting, KYC/KYB, AML, insurance and payment decisions. Fraud and tampering signals indicate risk and are not a finding of fraud. The Services do not replace your compliance, audit or underwriting judgement, or any regulatory obligation that applies to you.

You and your Users must not:

use the Services in breach of any law, regulation or third-party right, including intellectual property and privacy rights;

submit documents you are not authorised to process, or content that is unlawful, fraudulent or contains malicious code;

attempt unauthorised access to the Services or other accounts, test their security without our written permission, or disrupt or overload them;

copy, modify, reverse engineer, decompile or disassemble the Services, except to the extent the law permits despite this restriction;

use the Services or Output to build or train a competing product or model;

resell, sublicense or give third parties access to the Services without our written consent, except to your affiliates under your Account.

We may suspend access or remove content that we reasonably believe breaches this section or the law.

9.1 Term. The Agreement starts when you create an Account or sign an Order Form and continues until it ends under this section.

9.2 Renewal. Paid subscriptions renew automatically for the same period unless either party gives notice at least 30 days before the renewal date. You can cancel in the Services or by emailing support@fintelite.ai.

9.3 Suspension. We may suspend the Services immediately if your use poses a security risk, may harm the Services or other customers, or breaks the law; or after notice under §5.6 for non-payment.

9.4 Termination for breach. Either party may terminate the Agreement by written notice if the other party materially breaches it and does not cure the breach within 30 days of notice, or immediately if the breach cannot be cured or the other party becomes insolvent.

9.5 Effect of termination. On termination, your access ends and Customer Data is deleted as described in §6.4. Export what you need before the end date. Each party will, on written request, return or destroy the other's Confidential Information, subject to legal retention requirements and routine backups. Fees already paid are not refunded, and amounts owed remain payable.

9.6 Survival. Sections 5 (for amounts owed), 6.4, 10, 11 (for five years after termination), 13 to 17 and any other provision that by its nature should survive, survive termination.

9.7 No court order needed. To the extent permitted by law, either party may terminate the Agreement as set out in this section without the need for a court order or ruling.

10.1 Our property. Fintelite and its licensors own the Services, the Documentation, the software, AI models, algorithms, templates, user interface and APIs, and all improvements to them, together with our name, logos and trademarks.

10.2 Your right to use. Subject to the Agreement and payment of fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable right to access and use the Services during the term for your internal business purposes.

10.3 No other licence. No intellectual property right or licence is granted, directly or indirectly, except as expressly stated in the Agreement.

10.4 Feedback. If you give us suggestions or feedback about the Services, we may use them without restriction or obligation to you.

11.1 Confidential Information means any non-public information, whether oral, written or electronic, disclosed by or on behalf of one party ("Disclosing Party") to the other ("Receiving Party") in connection with the Agreement, including information about business, finances, plans, strategy, know-how, customers, pricing, technology and the terms of any Order Form, whether or not marked as confidential. Customer Data is your Confidential Information.

11.2 Confidential Information does not include information that: (a) was public at the time of disclosure; (b) becomes public later through no breach by the Receiving Party; (c) the Receiving Party lawfully received from a third party not bound by a duty of confidentiality; (d) the Receiving Party develops independently without use of or reference to the Confidential Information; or (e) is disclosed with the Disclosing Party's prior written approval.

11.3 The Receiving Party will keep Confidential Information in strict confidence, take all reasonable steps to protect it, and use it only to perform or receive the Services. It may disclose Confidential Information only: (i) to its directors, officers, employees, advisors, consultants, agents and subprocessors who need to know it and are bound by obligations at least as strict as these; (ii) where required by law, court order or a competent regulator, giving the Disclosing Party prior written notice where legally permitted; and (iii) as reasonably required to exercise a remedy under the Agreement.

11.4 The Receiving Party will promptly notify the Disclosing Party of any actual or suspected misuse or unauthorised disclosure of Confidential Information it becomes aware of, and take reasonable steps to regain control of it and prevent further disclosure. It remains liable for any such misuse caused by its fault or negligence or that of its representatives.

11.5 Each party agrees that a breach of this section may cause irreparable harm, and that the Disclosing Party may seek injunctive relief from a competent court in addition to any other remedy, without having to prove actual damage.

11.6 If the parties have signed a separate non-disclosure agreement, it continues to apply to information exchanged before these Terms took effect. Where both apply, the stricter obligation prevails.

12.1 We maintain administrative, technical and physical safeguards designed to protect Customer Data, including encryption in transit (TLS 1.2 or higher) and at rest (AES-256), role-based access control, logging and monitoring, and periodic vulnerability assessments. Our information security programme is aligned with ISO/IEC 27001.

12.2 We use the hosting and other providers listed on our [subprocessor page] to run the Services. They are bound by written confidentiality and data protection obligations at least as protective as ours.

12.3 If we become aware of a breach of security that leads to unauthorised access to or disclosure of Customer Data, we will notify you without undue delay and in time for you to meet your own notification duties, under Data Protection Laws, and will cooperate with your response.

13.1 Each party warrants that it has full authority to enter into the Agreement, that the person accepting or signing it is authorised to do so, and that entering into it does not breach its constitutional documents, any agreement binding on it, or applicable law.

13.2 Except as expressly stated in the Agreement, the Services and Output are provided "as is" and "as available". To the extent permitted by law, we make no other warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or uninterrupted or error-free operation.

13.3 Third-party services you connect to the Services, such as cloud storage, core banking, ERP or messaging tools, are governed by their own terms. We are not responsible for them, or for Customer Data once it leaves the Services at your direction.

14.1 To the extent permitted by law, neither party is liable for any indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, goodwill or data, arising from or relating to the Agreement, even if advised of their possibility.

14.2 Each party's total liability arising from or relating to the Agreement is limited to the fees paid or payable by you for the Services in the [12] months before the event giving rise to the claim.

14.3 The limits in this section do not apply to your payment obligations, your indemnity under §15, either party's breach of §11, or liability that cannot be limited by law, such as liability for fraud or wilful misconduct.

You will defend and indemnify Fintelite, its affiliates and their directors, officers and employees against third-party claims, and the resulting damages, costs and reasonable legal fees, arising from: (a) Customer Data, including a claim that you lacked the right or consent to submit it; (b) your use of the Services in breach of the Agreement or applicable law; or (c) decisions you make using the Output. We will notify you promptly of the claim, give you control of its defence and settlement, and provide reasonable cooperation at your cost.

16.1 The Agreement is governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law rules.

16.2 Any dispute arising out of or in connection with the Agreement, including any question about its existence, validity, interpretation, performance or termination ("Dispute"), will first be resolved by amicable discussion. If the Dispute is not resolved within 30 calendar days after one party receives written notice of it, it will be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre ("SIAC") under the SIAC Rules in force at the time, which are incorporated by reference. The seat of arbitration is Singapore; the tribunal consists of a sole arbitrator; the language of arbitration is English; and the award is final and binding on the parties.

16.3 Nothing in this section prevents either party from seeking urgent injunctive relief under §11.5.

17.1 Language. These Terms are written in English. Any translation is provided for convenience only; if a translation differs from the English text, the English text prevails.

17.2 Changes to these Terms. We may update these Terms. We will post the new version with a new date and, for material changes, notify the Account owner by email or in the Services at least [30] days before they take effect. Continued use after that date means you accept the update. An update does not change a signed Order Form during its term.

17.3 Entire agreement. The Agreement is the entire agreement between the parties about its subject matter and replaces all earlier agreements and understandings about it, except as stated in §11.6.

17.4 Severability and waiver. If any provision is invalid, illegal or unenforceable, the rest of the Agreement is unaffected, and the parties will negotiate in good faith to replace it with a valid provision that achieves its purpose. Failure to enforce a right is not a waiver of it.

17.5 Notices. We send notices to the email address of your Account owner. Notices to us go to support@fintelite.ai, and legal process to our registered address in §1.1. Email notices are received on the day sent, absent a delivery failure notice. Each party will notify the other of a change in its contact details.

17.6 Assignment. You may not assign or transfer the Agreement without our prior written consent. We may assign it to an affiliate or in connection with a merger, acquisition or sale of all or substantially all of our assets, with notice to you.

17.7 Electronic acceptance. The Agreement may be accepted electronically, including by clicking to accept or signing an Order Form with an electronic signature. Each party agrees not to challenge the validity of the Agreement on the basis that it was accepted or signed electronically.

17.8 Force majeure. Neither party is liable for delay or failure to perform caused by events beyond its reasonable control, such as natural disasters, epidemics, government action, war, or failures of the internet, power or third-party hosting, except for payment obligations.

17.9 Publicity. We will not use your name or logo in marketing without your prior written consent.

17.10 Relationship. The parties are independent contractors. Nothing in the Agreement creates a partnership, joint venture, agency or employment relationship.

Sribuu Financial Pte. Ltd. (trading as Fintelite), UEN 202141139M, 105 Cecil Street, #18-18, The Octagon, Singapore 069534. Support and notices: support@fintelite.ai. Sales and partnerships: bd@fintelite.ai.