1. General

<scventures.io>, including all its subdomains (collectively, the “Website”), and SC Ventures FintechBridge web and mobile platform (“Platform”) is owned and operated by Standard Chartered Bank (“Standard Chartered”, “us” or “we”), incorporated in England and Wales with limited liability by Royal Charter 1853, under reference ZC18 whose principal office in Singapore is situated at 8 Marina Boulevard, Marina Bay Financial Centre, Tower 1, Singapore 018981. The “Standard Chartered Group” means Standard Chartered, its subsidiaries, its holding companies and subsidiaries of those holding companies.

2. Use of this Website and the Platform

The Website and the Platform provide you with information about SC Ventures, a business unit of Standard Chartered focused on enabling digital transformation in banking, including creating and incubating new technology enabled business models and information relating to Standard Chartered, FintechBridge and its products and services.

The use of this Website and the Platform by (i) you; (ii) any company or any other corporate any company or any other corporate or non-corporate entity or body (each a “Legal Person”) for or on whose behalf you act; and (iii) any other director, officer, employee, member, shareholder or representative of any such Legal Person, is governed by these Terms and Conditions (“T&Cs”) and our privacy policy and cookies policy, each as amended from time to time. This is a legally binding agreement between you and Standard Chartered establishing the terms and conditions under which this Website and/or the Platform may be used. Use of this Website and/or the Platform by or on behalf of any person constitutes acceptance of these T&Cs by that person. If a person does not agree to these T&Cs, they must immediately discontinue access or use of this Website and/or the Platform or procure that their Representative(s) does the same

3. Platform Access and Use

Definitions

The following terms are defined for the purposes of these T&Cs.

Account: an account on the Platform, created by providing certain details (including full name, surname and email address) about the Member when registering, which enables a Member to utilise the functionalities offered by the Platform;

Community Guidelines: the Platform Community Guidelines, as amended from time to time, which set out guidelines for the use of the Platform and its various functionalities, which are available at https://scventures.io/fintechbridge/community-guidelines

Content: any content on the Platform, including without limitation text, images, music, video, audio files, data, computer programmes and all other kinds of works.

Community: a space for Members to access and share different types of Content, such as articles, videos and podcasts. Content can be the property or creation or from the company he/she works for or other organisations. Content is associated to the member who posted it

Event: Events organised and/or supported by SC Ventures and ventures, including but not limited to conferences, seminars, workshops, and collaborative events with partners.

Member: an individual, or Legal Person, which has registered for an Account on the Platform;

Challenge: a post listed on the Challenge section of the Platform requesting responses to a particular issue, problem or situation, whether in the form of a request for a capability or technical expertise, technology solutions, ideas or partners.

Challenge Owner: a Member who submits a Challenge Statement and posts a Challenge.

Challenge Statement: in relation to a Challenge, a statement which sets out the details of, and materials relating to, that Challenge, including its subject matter, how Members can respond and the deadline for submitting responses.

Pitch Arena: a location on the Platform where a Member may post recorded video pitches and live-streaming videos for specific purposes.

Profile: is a description of an individual’s (as a Representative of a Member or as a Member in their own right) professional characteristics that identify them on the Platform. Profiles may describe any number of characteristics about individuals, for example the details of the company they work for, their interests in the service, their expertise, professional affiliations, status, recent activity and geographic location. The profile can also provide their level of participation and contribution in different initiatives, projects, or conversations on the Platform.

Representative: an employee, officer, director, shareholder, member or other representative of a Member which is a Legal Person, or agent or other representative of a Member which is not a Legal Person, who accesses the Platform and/or the functionalities offered through the Platform, for or on behalf of (or purportedly for or on behalf of) that Member.

Solution: a solution that is:
a. posted in the Pitch Arena;
b. uploaded within a Profile;
c. an answer to a Challenge:
d. a technical solution;
e. an idea;
f. an offer of expertise;
g. a statement of capability;
h. an investment offer;
i. an offer to be an evaluator;
j. an offer to be a facilitator
k. an offer of partnership;
l. an offer of expertise (to be an expert);
m. an offer to be an accelerator; or
n. any other offer of services related to innovation and/or technology.

Solution Owner: a Member who submits a Solution in response to a Challenge.

Upload: any submission, Content, document or comment uploaded to the Platform that originates from a Challenge Owner or Solution Owner, including Challenge Statements and Solutions, articles, podcasts, presentations and videos based on their experience of the Platform.

Except where the opposite intention is clear, where these T&Cs refer to you and/or Members, they also refer to your Representative or the Representative(s) of a Member.

Registering for an Account

In order for you to access and/or use the Platform, whether for yourself or on behalf of another, you will be required to register an Account and become a Member. By clicking on the “Agree and Join” button or equivalent button or check box you:

a) are registering for an Account;
b) represent to us that:
i. you are lawfully able to enter into these T&Cs. If you are entering into these T&Cs for another person (including a Legal Person), such as your employer or any other entity on whose behalf you act, you represent to us that you have authority to bind that person to comply with these T&Cs and by entering into these T&Cs you have so bound that person;
ii. you are who you say you are;
iii. you have not submitted, and will not submit, misleading, fictitious, false or inaccurate information about yourself or, if relevant, the Legal Person on whose behalf you are acting or who you are representing;

c) agree that (i) these T&Cs set out the terms and conditions of your use, and the use by any
Legal Person for or whose behalf you act, or any Representative of any such Legal Person, of the Platform and the various functionalities offered by and through the Platform, including but not limited to Events and (ii) you and they will only use the Platform and those various functionalities in compliance with these T&Cs.

Using the Platform

Members may use the Platform, and the Content solely for business and informational purposes and/or to learn about Standard Chartered and FintechBridge products and services.

By accessing and using the Platform, each Member agrees that it will not:

a) use the Platform in violation of, or in a way that is prohibited by, these T&Cs or any applicable law or regulation;
b) use the Platform in violation of the terms of our Community Guidelines, as amended from time to time, available at https://scventures.io/fintechbridge/community-guidelines;
c) copy, modify, create a derivative work from, reverse engineer or reverse assemble the Platform, or otherwise attempt to discover any source code, or allow any third party to do so;
d) sell, assign, sublicense, distribute, commercially exploit, grant a security interest in or otherwise transfer any right in, or make available to a third party, the Content in any way;
e) use or launch any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” that accesses the Platform in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser;
f) use the Platform in any manner that damages, disables, overburdens, or impairs any of its features or interferes with any other party’s use and enjoyment of the Platform;
g) mirror or frame the Platform or any part of it on any other web platform or web page;
h) attempt to gain unauthorized access to the Platform;
i) access the Platform by any means other than through the interface that is provided by us for use in accessing the Platform
j) access the Platform from any country or jurisdiction from which it would be unlawful to do so.

No Member should disclose any personal or customer data or onto the Platform except for that which is expressly requested to complete registration for an Account and/or to create a Profile. Members should refer to our privacy policy, which is incorporated into these T&Cs by reference.

Challenges and Solutions

Each Member represents and warrants that the Member will comply with all applicable laws in submitting a Challenge for publication and in processing the responses to any Challenge, or in submitting a Solution and in processing the responses to that Solution.

Member acknowledges and agrees that we make no representations or warranties about: (a) the Platform, including its availability; (b) the responses to a Challenge; (c) a Solution; (d) the Pitch Arena; (e) messaging or chat rooms; or (f) any Content posted to the Platform; or (g) any Events a Member signs up for through the Platform or otherwise. We exclude all liability to a Member that can be excluded by law.

Member grants to Standard Chartered (and the members of the Standard Chartered Group) a worldwide, royalty-free, perpetual, irrevocable, sub-licensable right and licence to: (a) use the information and material in a Challenge or a Solution uploaded by that Member for transmission, distribution, publication and archival purposes; and (b) use the logo and other trademarks uploaded by Member for marketing the Challenge and/or the Solution and attribution purposes. Member represents and warrants that the information and material in the Challenge or Solution uploaded by the Member does not infringe the rights of any other third party or breach applicable law. Member acknowledges and agrees that these T&Cs do not operate to transfer any rights in the Platform to the Member, and that ownership of all intellectual property rights in respect of and associated with the Platform itself (rather than the Content (except Content created or posted by Standard Chartered)) are retained by us.

Member agrees to indemnify Standard Chartered and its affiliates, directors, officers, employees and all others associated with the publication of the Challenge or the Solution (collectively, the “Indemnified Parties”) from any and all claims, damages, losses, demands, causes of action, proceedings, expenses (including without limitation reasonable attorneys’ fees), and/or liabilities resulting or arising from or connected with, or claimed to have arisen, resulted from or be connected with the publication by that Member of an Challenge or a Solution, including any Upload (collectively, “Claims”), except to the extent that such Claims are directly due to our failure to materially comply with these T&Cs.

A Member may only engage as a Challenge Owner or a Solution Owner on the Platform:
a) if an individual, if they are 18 years old or over; and
b) if a Corporate Entity, if the relevant Representative is 18 years old or over.

We reserve the right, at any time to approve, suspend, withdraw or refuse, in its sole discretion, the publication of the Challenge or the Solution on the Platform.

A Member’s engagement in a Challenge as a Challenge Owner or in providing a Solution as a Solution Owner constitutes that Member’s acceptance and agreement that it will comply with all provisions relating to Challenges and Solutions provided in the Community Guidelines.

Uploads and Content

All Uploads to the Platform may be reviewed and moderated by us before they are made available to other users on the Platform. We retain full and absolute discretion in respect of the inclusion or removal of Uploads, including its discretion not to publish any Upload for any reason.

We have sole and absolute discretion to determine if an Upload or any Content is in breach of any content standards or guidelines, including the Community Guidelines, or otherwise contains any material or content: (a) that is, facilitates, or encourages libellous, defamatory, or otherwise malicious or harmful speech or acts to any person or entity, including but not limited to hate speech: (b) that degrades, intimidates, incites violence against, or encourages ill will against anyone based on age, gender, race, ethnicity, national origin, religion, sexual orientation, disability or geographic location and; (c) that is offensive, sexually explicit, inappropriate, obscene, illegal or otherwise objectionable to any person or entity.

We may take any action we deem fit or necessary in response to any Upload or Content, including removal of the Upload or Content, immediate, temporary or permanent withdrawal and termination of the right of the Member who posted the Upload or Content to use the Platform or of their registration as a user, seeking any reimbursement of costs, expenses and charges on an indemnity basis as a result of your breach or for the purposes of investigating such breach or commencing any legal action against you.

We shall not be responsible or liable to any Member or any third party for the Uploads or Content submitted by that or any other Member.

The views expressed by users on the Platform do not represent Standard Chartered’s views or values.

Events

By registering your interest, accepting an invite, signing up for and/or attending the Event (“Expression of Interest”), you agree to the Terms of Service, Privacy Policy and Cookies Policy.

Your Expression of Interest represents your confirmation that your attendance complies with applicable laws and regulations as well as any corporate internal policies which may apply to you.

We process personal data to enable us to administer and organise the Event, including (a) processing Event registrations, addressing inquiries and updating you about the Event, (b) capturing your image or voice via photographs, videos, audio or video recordings, live web streaming etc. during the Event or activities related to the Event, which may be used as outlined in these Terms of Service, (c) manage mailing lists for communications related to Events, SC Ventures and ventures and related purposes. Any personal data collected will be handled in accordance with the Privacy Policy.

Events and any Material distributed in connection with the same are subject to these Terms of Service, for general information only and (a) do not constitute an offer, recommendation or solicitation to enter any transaction, (b) does not take into account the specific investment objectives, (c) financial situation or particular needs of any particular person or class of persons and it has not been prepared for and particular person or class of persons.

By attending the Event you acknowledge and agree to grant SC Ventures and/or ventures (as applicable) the right to record, film, photograph or capture your likeness and to use and publish the same in print and/or electronically. SC Ventures and/or ventures (as applicable) may use any such images, photographs, video and audio recordings and/or media of you for any lawful purpose, including publicity, illustration, advertising and website and social media content.

Confidentiality

Any Upload, Content or other information or material uploaded by a Member to the Platform will be considered non-confidential and non-proprietary.

If an Upload or Content does, or is likely to, contain any confidential information or trade secrets, a Member should remove such information or not submit that Upload or Content to the Platform.

We will not be held liable or responsible for any disclosure of confidential information or trade secrets by a Member in the course of the use of the Platform.

No Member may submit any Upload or Content that violates any intellectual property or other proprietary rights of any other person.

Additional Member Responsibilities

Except to the extent caused by our breach of these T&Cs, each Member is responsible for all activities that occur under its Account, regardless of whether the activities have been authorised or undertaken by it, its employees or a third party

Each Member is responsible for:
a. all hardware, software, equipment, network facilities, systems and other resources or facilities needed to connect to or access and use the Platform; and
b. the security of any login credentials used by the Member in connection with the Platform;
c. ensuring that no person or entity other than the Member or one of its Representatives which is authorised to do so, obtains access to the Member’s login credentials.

We will not be responsible for unauthorised access to your account, except where such access is the direct result of any manifest error by us.

Each Member shall indemnify us (and any member of the Standard Chartered Group) against any losses, costs, damages, expenses, demands and claims which result from:
a. any breach of these T&Cs by that Member;
b. that Member’s use of the Platform otherwise than strictly in accordance with these T&Cs;
c. any claims by third parties (including but not limited to claims by any of that Member’s) arising out of or relating to the use of, or inability to use, the Platform or any content provided under or through the Platform;
d. any third party claim in connection with that Member’s use of the Platform, including any data it discloses to or publishes on the Platform, and including any claim for intellectual property infringement; and
e. any claims or regulatory investigations arising out of or relating to that Member’s breach of these T&Cs.

Members acknowledge and accept the following risks if they access and use the Platform:
a. risks arising from login credentials being stolen and/or misused in a way which results in the disclosure of Member’s Account data or other malicious operation of your Account;
b. risks that Member’s communications with us may be delayed, not received, intercepted, monitored, amended or otherwise interfered with by third parties, and the confidentiality of such communications may be compromised.

Members must notify us within six (6) months of becoming aware of the material facts underlying any claim you have or may have against Standard Chartered, failing which, you waive all rights to make any such claim.

Termination/ Suspension of Platform Access or Use

If any Member is determined by us to have breached these T&Cs including, but not limited to, by breaching one or more of the Community Guidelines, we may without notice:

a) issue a warning to that Member;
b) remove any Content posted by a Member;
c) restrict the Member’s access to the Platform and/or any of its functionalities and/or connected applications;
d) temporarily or permanently remove the Member’s access to the Platform and/or any of its functionalities and/or connected applications;
e) delete or disable the Member’s Account or Profile;
f) terminate this Agreement; and/or
g) take any such other action as it considers necessary in the circumstances.

We may change or discontinue any part or all of the Platform from time to time on five (5) business days’ notice.

4. Disclaimers

The material and information a) contained on this Website and the Platform, and/or (b) presented or made available through Events or otherwise, is provided for general information only (collectively, the “Material”).

This Website and the Platform is provided on an “as is” and “as available” basis and we make no warranty, promise, representation or guarantee as to: (a) this Website and the Platform being of satisfactory quality or fit for a particular purpose or producing any particular result or investment outcome; (b) security, reliability, performance, timeliness and availability of this Website or the Platform; or (iii) correctness or accuracy or completeness of any content on this Website or any Content (including any Challenge, any response thereto or any Solution) provided within or via the Platform.

All warranties, representations or other assurance, whether express, implied or statutory, regarding this Website, the Platform, its functionalities and/or any material, information or Content contained on the Platform and this Website are expressly excluded to the fullest extent permissible by law.

This Website and the Platform may contain articles and materials written by third party authors or contributors. All opinion or analysis expressed are those of the author (whether the author is from Standard Chartered or a third party contributor) and do not reflect the views of Standard Chartered. Nothing in the articles and materials should be construed as asserting or implying Standard Chartered’s endorsement of the author’s views.

Our provision of third party providers’ services through this Website or the Platform, third party apps on the Website or the Platform or inclusion of hyperlinks anywhere in this Website and the Platform (including in this document) does not imply any endorsement of such services, apps or of the material on such hyperlinked sites. We are not responsible for and makes no representation or warranty of any kind, whether express, implied or statutory regarding the third party providers’ services available through the Platform or the third party apps on the Platform. Any hyperlink exists for information purposes and are for your convenience only. If you suffer any damage as a result of third party providers’ services or third party apps, you shall claim directly against such third party providers and third party app providers and shall not claim against us.

We are not responsible for the contents of third party websites. If you visit third party websites, then your rights and obligations while accessing and using those sites will be governed by the agreements and policies relating to use of those third-party sites.

5. Intellectual Property

All rights (including, but not limited to, copyright) in and to the contents (including, but not limited to, trademarks, text, graphics, images, links and sounds) contained on this Website (and any Standard Chartered sites) and the Platform is owned by or licensed to Standard Chartered, other members of the Standard Chartered Group or our affiliates, and may not, unless expressly permitted, be copied, modified, downloaded, distributed or published in any way without the prior written consent of Standard Chartered, other members of the Standard Chartered Group, our affiliates or licensors, as the case may be. If any content on this Website or the Platform is permitted for use, you shall comply with all terms of use, conditions, guidelines, or restrictions that apply to that content.

“FintechBridge”, “SC Ventures”, SC Ventures related logos, Standard Chartered Bank logos and Standard Chartered Bank related logos are trademarks, logos and service marks of Standard Chartered and no permission or licence is granted to use any such trademarks, logos or service marks without the prior written consent of Standard Chartered.

Standard Chartered grants each Member a worldwide, royalty-free, perpetual, irrevocable, sub-licensable right and licence to use the FintechBridge logo in any social media post made by that Member to promote an Challenge, Solution or Pitch.

In relation to any information or material you submit to Standard Chartered, whether via this Website, the Platform and/or to our social media accounts, you hereby grant to Standard Chartered and other members of the Standard Chartered Group a worldwide, royalty-free, perpetual, irrevocable, sub-licensable right and licence to use such information or material for any purpose it deems appropriate, including without limitation, the copying, modification, transmission, distribution and publication thereof, unless restricted by applicable law. You represent and warrant that such information or material you submit does not infringe the rights of any other third party.

You agree that Standard Chartered shall not be under any obligation of confidentiality regarding any such information or material submitted to it using this Website, the Platform and/or our social media accounts unless otherwise agreed in a separate direct contract between you and Standard Chartered or required by law.

6. Limitations of liability

Standard Chartered accepts no liability for any loss or damage (including special, incidental or consequential loss or damage) arising directly or indirectly from your use of the Website or the Platform, howsoever arising from, but not limited to:

i. any defect, error, imperfection, fault, mistake or inaccuracy with the Website or the Platform, its contents (including content from third party providers), associated services, or due to any unavailability of this Website, the Platform or any local site or any part thereof or any contents or associated services;
ii. action taken, or not taken in reliance on material, content or information contained on the Website or the Platform; and
iii. any computer viruses, Trojan horses, worms, software bombs or similar items. You click on any hyperlinks, deploy any apps or download any software or data at your own risk.

We will not be liable for any delay or failure to perform any obligation under these T&Cs where the delay or failure results from any cause beyond our reasonable control, including acts of God, labour disputes or other industrial disturbances, electrical or power outages, utilities or other telecommunications failures, earthquake, storms or other elements of nature, epidemics, pandemics, blockages, embargoes, riots, acts or orders of government, acts of terrorism, or war.

7. Email Subscription Service

We may at our discretion, provide a service whereby you can request to subscribe to and receive email alerts relating to products, services or information offered by Standard Chartered or other third parties (“Subscription Service(s)”). Your use of the Subscription Services will be governed by the separate terms and conditions of ruse of those services. Your confirmation of subscription to the Subscription Services constitutes acceptance of their terms and conditions of use.

We do not guarantee that any emails from the Standard Chartered websites or the Platform will be sent to you or received by Standard Chartered nor does Standard Chartered warrant the privacy and/or security of emails during email transmission.

8. Personal Data

Any personal data you submit to us will be handled by the Standard Chartered Group for the purpose of providing you with your requested product(s), service(s) and/or information about the products and services in accordance with our privacy policy and cookie policy. By submitting your personal data, you confirm that you have read and understood the privacy policy and cookie policy and consent to the Standard Chartered Group handling and disclosing your personal data, including sensitive personal data as outlined. The privacy policy and cookie policy may be updated from time to time and it is your responsibility to check for any updates.

9. Termination

Standard Chartered may terminate this agreement, your access to this Website and/or the Platform and use of any service at any time.

10. Modification

We reserve the right in our discretion to change without prior notice any information or material contained on the Website and Platform and the terms and conditions under which the site and/or the Platform are used. Where the T&Cs have been updated, the amendments shall take effect from the date they are placed on this site. Your access and use of the Website and/or Platform after the amended T&Cs have been posted, will constitute your acceptance and agreement to be bound by the amended T&Cs. You are advised to visit this site regularly to check for any amendments.

11. Governing Law

These T&Cs shall be governed by and construed in accordance with the laws of Singapore. Any dispute, controversy or claim arising out of or in connection with these T&Cs (whether contractual or non-contractual in nature) shall be subject to the non-exclusive jurisdiction of the Singapore courts.

12. Miscellaneous

These T&Cs do not create or confer any rights or benefits enforceable by any person not a party to them except that the Indemnified Parties will have the right to enforce any rights or benefits in these T&Cs, including, without limitation, any limitation and/or exclusion of liability.

Nothing in this Agreement creates a joint venture, relationship of partnership or agency between you or a Member and Standard Chartered (or any member of the Standard Chartered Group). Accordingly, except as expressly authorised under these T&Cs, neither you nor us has authority to pledge the credit of or make any representation or give any authority to contract on behalf of the other party.

Notwithstanding that the whole or any part of any provision of these T&Cs may prove to be illegal or unenforceable, the other provisions of these T&Cs and the remainder of the provision in question shall remain in full force and effect.