Web Site Terms and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, applicable laws and regulations and their compliance. If you disagree with any of the stated terms and conditions, you are prohibited from using or accessing this site. The materials contained in this site are secured by relevant copyright and trade mark law.

2. Use License

1. Permission is allowed to temporarily download one duplicate of the materials (data or programming) on AlgoMerchant's site for individual and non-business use only. This is the just a permit of license and not an exchange of title, and under this permit you may not:
   1. modify or copy the materials;
   2. use the materials for any commercial use , or for any public presentation (business or non-business);
   3. attempt to decompile or rebuild any product or material contained on AlgoMerchant's site;
   4. remove any copyright or other restrictive documentations from the materials; or
   5. transfer the materials to someone else or even "mirror" the materials on other server.
2. This permit might consequently be terminated if you disregard any of these confinements and may be ended by AlgoMerchant whenever deemed. After permit termination or when your viewing permit is terminated, you must destroy any downloaded materials in your ownership whether in electronic or printed form.

3. Disclaimer

1. The materials on AlgoMerchant's site are given "as is". AlgoMerchant makes no guarantees, communicated or suggested, and thus renounces and nullifies every single other warranties, including without impediment, inferred guarantees or states of merchantability, fitness for a specific reason, or non-encroachment of licensed property or other infringement of rights. Further, AlgoMerchant does not warrant or make any representations concerning the precision, likely results, or unwavering quality of the utilization of the materials on its Internet site or generally identifying with such materials or on any destinations connected to this website.

4. Constraints

In no occasion should AlgoMerchant or its suppliers subject for any harms (counting, without constraint, harms for loss of information or benefit, or because of business interference,) emerging out of the utilization or powerlessness to utilize the materials on AlgoMerchant's Internet webpage, regardless of the possibility that AlgoMerchant or a AlgoMerchant approved agent has been told orally or in written of the likelihood of such harm. Since a few purviews don't permit constraints on inferred guarantees, or impediments of obligation for weighty or coincidental harms, these confinements may not make a difference to you.

5. Amendments and Errata

The materials showing up on AlgoMerchant's site could incorporate typographical, or photographic mistakes. AlgoMerchant does not warrant that any of the materials on its site are exact, finished, or current. AlgoMerchant may roll out improvements to the materials contained on its site whenever without notification. AlgoMerchant does not, then again, make any dedication to update the materials.

6. Links

AlgoMerchant has not checked on the majority of the websites or links connected to its website and is not in charge of the substance of any such connected webpage. The incorporation of any connection does not infer support by AlgoMerchant of the site. Utilization of any such connected site is at the user's own risk.

7. Site Terms of Use Modifications

AlgoMerchant may update these terms of utilization for its website whenever without notification. By utilizing this site you are consenting to be bound by the then current form of these Terms and Conditions of Use.

8. Third Party Content Providers

When purchasing market data from ICE, NASDAQ, or other stock exchanges, we share your contact information (including your name, phone number, address, and email) with them as part of the agreement-signing process. These details are subsequently utilized by ICE, NASDAQ, or other stock exchanges to facilitate your access to their trading platforms.

9. Governing Law

Any case identifying with AlgoMerchant's site should be administered by the laws of the country of Singapore without respect to its contention of law provisions.

Privacy & Personal Data Policy

AlgoMerchant recognises the importance of an individual's privacy and personal data (“Personal Data”) (as defined below at paragraph 1).

This personal data protection policy ("Data Protection Policy") outlines how AlgoMerchant manages Personal Data (“Personal Data”) which is subject to the Personal Data Protection Act 2012 in Singapore (the "Act").

1. Personal Data

1.1. We may collect, use, disclose and/or process Personal Data about you. The purposes for which we may collect, use, disclose and/or process such Personal Data are set out below at paragraph 2.2.

1.2. Personal Data refers to any data, whether true or not, about an individual who can be identified from that data; or from that data and other information to which the AlgoMerchant has or is likely to have access to, including existing data in our records which you have provided us, in any forms you may have submitted to us or via any form of interaction with us.

1.3. Examples of Personal Data which you may provide to us include but are not limited to the following:

• a) Name;
• b) Email Address;
• c) Telephone Number;
• d) Social media account user name;
• e) Profile details including, but not limited to, your interests;
• f) Photograph, image, picture, recording, film footage, likeness or other characteristics or identification, or such other medium in which your likeness may appear; and/or
• g) Credit card number/bank details.

2. Purposes for Collection, Use and Disclosure of Personal Data

2.1. Your Personal Data (subject to paragraph 2.2 below) is necessary to allow you to use our application features, to respond to your requests, or in cases where we need to perform verification with respect to any gifts or rewards you may obtain from us.

2.2. Generally, AlgoMerchant collects, uses and discloses your Personal Data in respect of the following purposes:

• a) to allow you to use our application features such as posting questions and answers.
• b) to provide announcements on new features, enhancements or events associated with our application.;
• c) to respond to your enquiries, requests, or feedback on product and service improvements;
• d) to process and administer your transactions with us (including, but not limited to, processing of any purchase or gifts);
• e) to verify your identity and/or eligibility for discounts and partnerships with AlgoMerchant;
• f) to manage our administrative and business operations and to comply with our internal policies and procedures;
• g) to obtain your feedback or participation in surveys, market research and/or analysis for statistical, profiling or other purposes to enable us to customise, review, improvise and develop our products and services, to understand customer preferences, behaviour and market trends;
• h) to provide media announcements or responses;
• i) to respond to any claims, actions or proceedings and/or to safeguard and enforce our contractual and legal rights and obligations;
• j) to comply with any applicable rules, laws, regulations, codes of practice or guidelines as well as to assist in investigations and law enforcement by the relevant authorities; and/or
• k) any other purpose reasonably related to any of the above.

3. Disclosure of Personal Data to Third Parties

3.1. Subject to the provisions of any applicable law and in order to carry out the purposes listed at paragraph 2.2 above, we may disclose your Personal Data to the following third parties for any of the purposes described in this Data Protection Policy:

• a) related corporations or affiliates of the AlgoMerchant;
• b) Partners contracted by the AlgoMerchant to perform functions including those listed at paragraph 2.2 above;
• c) Partners contracted by the AlgoMerchant (and the sub-contractors of such Partners) to provide operational services, including, but not limited to courier services, insurance, telecommunications, information technology, payment, payroll, processing training, market research, storage, archival, customer support investigation services or other services, in all instances, being reasonably related to our lines of businesses;
• d) banks or other financial institutions, credit card companies, payment processors or gateways, secretarial agents, billing organisations, or similar, and their respective service providers;
• e) our business associates or partners, investors, assignees or transferees (actual or prospective) to facilitate business transactions which may include any merger, acquisition or asset sale or transfer;
• f) our professional advisors, which may include lawyers, auditors, accountants or other consultants;
• g) law enforcement agencies, relevant government ministries, regulators, statutory boards or authorities in compliance with any laws, rules, guidelines and regulations or schemes imposed by any governmental authority; and/or
• h) any other person to whom you authorise us to disclose your Personal Data to.

3.2. AlgoMerchant will use all commercially reasonable endeavours to ensure that our employees, officers, Partners and such other third parties who have access to your Personal Data observe and adhere to the terms of this Data Protection Policy.

4. Consent to Collection, Use and Disclosure of Personal Data

4.1. By submitting information to us, communicating with us, or signing up for any products and services offered by AlgoMerchant, you agree and consent to the AlgoMerchant collecting, using, and disclosing your Personal Data amongst ourselves or to our Partners, in the manner set forth in this Data Protection Policy.

4.2. When you provide the AlgoMerchant with any Personal Data relating to a third party (including, but not limited to, information on your dependants, spouse, children and/or parents), you represent and warrant that you are authorised to do so and/or the consent of that third party has been obtained for the collection, use and disclosure of the Personal Data by us for any of the purposes listed herein.

5. Withdrawing Your Consent

5.1. The consent that you provide for the collection, use and disclosure of your Personal Data will remain valid until such time it is being withdrawn by you in writing. You may withdraw consent and request us to stop collecting, using and/or disclosing your personal data for any or all of the purposes listed herein by submitting your request in writing or via email to our Data Protection Officer at the contact details provided at paragraph 14 below.

5.2. Upon receipt of your written request to withdraw your consent, we may require reasonable time (depending on the complexity of the request and its impact on our relationship with you) for your request to be processed and for us to notify you of the consequences of us acceding to the same. In general, we shall seek to process your request within ten (10) business days of receiving it.

5.3. Please note that the withdrawal of your consent does not affect our right to continue to collect, use and disclose your Personal Data where such collection, use and disclose without consent is permitted or required under the applicable laws.

6. Access and Correction of Personal Data

6.1. If you wish to make (a) an access request for access to a copy of the Personal Data which we hold about you or information about the ways in which we use or disclose your Personal Data, or (b) a correction request to correct or update any of your Personal Data which we hold about you, you may submit your request in writing or via email to our Data Protection Officer at the contact details provided at paragraph 14 below.

6.2. Please note that a reasonable fee may be charged for an access request. If so, we will inform you of the fee before processing your request.

6.3. We will respond to your request as soon as reasonably possible. Should we not be able to respond to your request within thirty (30) calendar days after receiving your request, we will inform you in writing within thirty (30) calendar days of the time by which we will be able to respond to your request. If we are unable to provide you with any Personal Data or to make a correction requested by you, we shall generally inform you of the reasons why we are unable to do so (except where we are not required to do so under the Act).

7. Protection of Personal Data

7.1. AlgoMerchant will take reasonable steps to secure your Personal Data against any unauthorised access, collection, use, disclosure, copying, modification or similar risks and ensure that access to your Personal Data is limited to persons whom we reasonably believe require access for effective delivery of our services to you for the purposes listed herein (where applicable) or any other purpose as consented by you.

8. Accuracy of Personal Data

8.1. We will take reasonable efforts to ensure that your Personal Data is accurate and complete, if your Personal Data is likely to be used by us to make a decision that affects you, or disclosed to another organisation, subject to paragraph 8.2.

8.2. In order to ensure that your Personal Data is current, complete and accurate, please update us if there are changes to your Personal Data by informing our Data Protection Officer in writing or via email at the contact details provided at paragraph 13 below. We will not be responsible for relying on inaccurate or incomplete Personal Data arising from you not updating us of any changes in your Personal Data that you had initially provided us with.

9. Retention of Personal Data

9.1. We may retain your Personal Data for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable laws.

9.2. We will cease to retain your Personal Data, or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the Personal Data was collected, and is no longer necessary for legal or business purposes.

10. Transfer of Personal Data Outside of Singapore

10.1. The Personal Data we collect from you may be transferred to, stored and processed at a destination outside Singapore. By submitting your Personal Data, you agree to such transfer, storing or processing for the purposes described in this Data Protection Policy. AlgoMerchant will take all steps reasonably necessary to ensure that your Personal Data is treated securely and in accordance with this Data Protection Policy.

11. IP Addresses

11.1. When you use or access our application, we may collect and store information about your device (including, but not limited to, your IP address, operating system and browser type) for the purposes of system administration, processing, and related analysis.

12. Third Party Websites

12.1. Our websites may, from time to time, contain links to and from third party websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please ensure you carefully read and review the privacy policies of these websites before you submit any Personal Data to these websites.

13. Data Protection Officer

13.1. You may contact our Data Protection Officer if you have any enquiries or feedback relating to your Personal Data or our Data Protection Policy or requests for deletion of personal data in the following manner:

Data Protection Officer

Address: 60 Paya Lebar Road, Paya Lebar Square, #10-02, Singapore 409051

Email: support@algomerchant.com

13.2. Please note that for any Personal Data provided to us by a third party (including, but not limited to, your company or a recruiter or a parent), you should inform such party to write to the AlgoMerchant for any queries, feedback, complaints, and access and correction requests on your behalf.

14. Updates to Data Protection Policy

14.1. AlgoMerchant reserves the right to modify and update this Data Protection Policy from time to time without prior notice except by publication on this, to ensure that this Data Protection Policy is consistent with any changes to the laws and regulations applicable to AlgoMerchant. All communications, transactions and dealings with us shall be subject to the latest version of this Data Protection Policy in force at the time.

15. Governing Law

15.1. This Data Protection Policy shall be governed in all respects by the laws of Singapore.