These terms of service (“Terms”) apply between you (also referred to herein as “user”, “you” and “your”) and DeZy Pte. Ltd and/or its related corporations and affiliates (referred to herein as “DeZy” “we”, “us” or “our”), collectively or singularly as the context requires.
We may make changes to these Terms from time to time. If we do this, we will post the changed provisions on the Site. You understand and agree that your continued use of the Services or the Site after we have made any such changes constitutes your acceptance of the new Terms.
1. ACCOUNT SETUP
To be eligible to use the Site you must you must be a resident of the one of the countries in which DeZy is supported and you must be the age of majority in your country of residence.
If you violate any of the Terms, or otherwise violate an agreement between you and us, DeZy may terminate your account on the DeZy platform (“DeZy Account”), delete your profile and any content or information that you submitted through the Site and/or prohibit you from using or accessing the Service or the Site (or any portion, aspect or feature of the Service or the Site), at any time in its sole discretion, with or without notice.
1.3. Registration of DeZy Account
You must register for a DeZy Account in order to use the DeZy Services. By using a DeZy Account, you agree and represent that you will use DeZy only for yourself, and not on behalf of any third party, unless you have obtained prior approval from DeZy. You are fully responsible for all activity that occurs under your DeZy Account. We may, in our sole discretion, refuse to open a DeZy Account, or limit the number of DeZy Accounts that you may hold, or suspend or terminate any DeZy Account.
1.4. Identity Verification
To use your DeZy Account, you must complete an on-boarding procedure with a third-party payment portal which provides its services through the DeZy platform (a “Third-Party Payment Portal”). Following successful on-boarding by the Third-Party Payment Portal and the DeZy platform, you will be able to make payments in fiat currency to the Third-Party Payment Portal using supported online payment methods. Upon successful settlement of such payment, a corresponding amount of fiat currency will be credited to your DeZy Account and will be visible in your account balance.
You acknowledge that on-boarding by a Third-Party Payment Portal is subject to separate terms and conditions that apply between you and the Third-Party Payment Portal and to which DeZy is not a party, and you understand that DeZy may not be able to open a DeZy Account for you in the event that you do not successfully complete your on-boarding process with the Third-Party Payment Portal. You further agree that DeZy may receive or request, and keep copies of, any of the information which you provide to the Third-Party Payment Portal in connection with the on-boarding process, including information you may have provided for the purposes of identity verification and the detection of money laundering, terrorist financing, fraud or any other financial crimes. The information we receive or request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, a government identification, and in some cases (where permitted by law), special categories of personal data, such as your biometric information. Where we deem it reasonably necessary, we may also request any of the aforementioned information from you directly. Your access to one or more DeZy Services and the limits that apply to your DeZy Account or use of the DeZy Services may be altered as a result of information collected about you on an ongoing basis.
You confirm that any information you provide to a Third-Party Payment Portal or directly to DeZy is accurate and authentic. You agree to keep the Third-Party Payment Portal or DeZy (as applicable) updated if any of the information you have provided changes. You authorise us to make inquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime, and to take action we reasonably deem necessary based on the results of such inquiries. When we carry out these inquiries, you acknowledge and agree that your personal information may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full.
You hereby authorise DeZy to relay instructions and communications from the Dezy platform to a Third-Party Payment Portal and to receive instructions and communications from a Third-Party Payment Portal, in each case for the purpose of facilitating your use of the DeZy platform and transactions relating to or connected with your use of the DeZy platform, including the crediting of value to and withdrawal of value from your DeZy account.
1.6. Registration Data
In addition to the requirements outlined above in respect of your on-boarding via a Third-Party Payment Portal, in consideration of your use of the Site, you agree to (i) provide accurate, current and complete information about you as may be prompted by any registration forms on the Site or otherwise requested by DeZy ("Registration Data"); (ii) maintain the security of your password and identification; (iii) maintain and promptly update the Registration Data, and any other information you provide to DeZy, to keep it accurate, current and complete; (iv) promptly notify DeZy regarding any material changes to information or circumstances that could affect your eligibility to continue to use the Site or Services or the terms on which you use the Site or Services (using the contact details under “General Provisions” below); and (v) be fully responsible for all use of your DeZy Account and for any actions that take place using your DeZy Account.
2.1. Account Functionality
Once you have opened a DeZy Account and funded it via payment to a Third-Party Payment Portal, you will earn interest on your account balance, denominated in fiat currency. Interest will be payable at the rate set by us from time to time, as indicate on the Site.
At any time, subject to outages, downtime, and other applicable policies, you may withdraw all or part of the balance credited to your DeZy Account by using the withdrawal functionality in the account. Following such withdrawal request, the Third-Party Payment Portal will credit the corresponding amount to your designated bank account.
You acknowledge that although your account balance is denominated in fiat currency, DeZy does not receive or hold any fiat currency on your behalf. Following your payment to a Third-Party Payment Portal to fund your account, DeZy receives a corresponding value in fiat currency-denominated digital tokens (“Stablecoins”) from the Third-Party Payment Portal. Upon your submission of a request to withdraw all or any part of your account balance, DeZy will transfer a corresponding amount of Stablecoins to the Third-Party Payment Portal, and the latter will make an onward payment in fiat currency to your designated bank account.
Please note that in your capacity as a user of DeZy, you will not have access to the Singapore dispute resolution scheme managed by the Financial Industry Disputes Resolution Centre (FIDReC). In relation to any complaints or queries relating to the fiat on-ramp/off-ramp process, please contact DeZy at [email protected] and not the on-ramp/off-ramp directly. DeZy will liaise with the relevant on-ramp/off-ramp on your behalf.
2.2. Generating Yield from DeFi Protocols
You acknowledge that where DeZy stakes Stablecoins on DeFi protocols, it does so for its own account and not as your agent. Any contractual entitlement you have in the course of our provision of the Services is solely in respect of the value of the balance represented in your DeZy Account, and you will not have any claim to Stablecoins staked on DeFi protocols. We do not provide you with any form of remittance or money transfer service, whether in respect of fiat currency, Stablecoins to be staked on DeFi protocols, or otherwise.
We do not charge any fee or commission for your use of the DeZy Services. DeZy earns its remuneration in the form of spread between yield it receives by staking Stablecoins on DeFi protocols and the interest we pay you.
It is your sole responsibility to determine whether, and to what extent, any taxes apply to any interest you earn through the DeZy Services, and to withhold, collect, report and remit the correct amount of tax to the appropriate tax authorities.
2.3. Balance and Deposit Limits
For user-protection purposes, DeZy may from time to time set limits on the balance which users may hold in their DeZy Account, and/or on the amount of value a user may deposit into their DeZy Account, either on a per-transaction basis or over the course of a defined period. Any such limits will be displayed on the Site from time to time.
3. RISK FACTORS
3.1. Technical Risk
While the DeZy platform has been extensively tested and DeZy maintains technology-risk management and business-continuity arrangements, the platform may experience unforeseen outages or bugs beyond DeZy’s reasonable control. Should this occur, DeZy will take remedial steps to restore functionality as promptly as possible.
3.2. Risk of Reliance on Third Parties
The DeZy Services rely, in whole or partly, on third-party software and the continued development and support of third parties. There is no assurance or guarantee that those third parties will maintain their support of their software, which might have a material adverse effect on the DeZy Services.
3.3 Regulatory Risk
While every effort has been taken to ensure that the Services are compliant with local laws, it is difficult to predict how or whether regulatory agencies may apply existing regulation with respect to the Services. It is likewise difficult to predict how or whether legislatures or regulatory agencies may implement changes to law and regulation affecting Stablecoins, including in connection with the Services. Regulatory actions could negatively impact DeZy in various ways, and thus the Services may not be available to users in certain jurisdictions.
3.4 Taxation Risk
It is possible that your intended treatment of the Services may be challenged by tax authorities. You must seek your own tax advice in connection with the Services provided by DeZy, which may result in adverse tax consequences to you, including, without limitation, withholding taxes, transfer taxes, value-added taxes, income taxes and similar taxes, levies, duties or other charges and tax reporting requirements.
4. ELECTRONIC COMMUNICATIONS
Because DeZy operates only on the internet, it is necessary for you to transact business with us online and electronically. As part of doing business with us, therefore, we also need you to consent to our providing you certain disclosures electronically, either via our Site or to any email address or other electronic address you provide to us. By agreeing to these Terms, you agree to receive electronically all documents, communications, notices, contracts, and agreements arising from or relating to your use of the Site and Services.
4.2 Changes in Your Contact Information
You must keep DeZy informed of any change in your email address or other contact details you have previously provided to us, so that you can continue to receive all relevant disclosures in a timely fashion. You must notify us of the change (using the contact details under “General Provisions” below). You also agree to update your registered residential address and telephone number on the Site if they change. If you are a business or entity user or are acting on behalf of a business or entity, you will keep us informed of any change to your email address, telephone number and primary business address.
5. INTELLECTUAL PROPERTY
All content on the Site, including but not limited to designs, text, graphics, pictures, video, information, software, music, sound and other files, and their selection and arrangement (the “Site Content”), are the proprietary property of DeZy with all rights reserved. No Site Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without DeZy's prior written permission, except as provided in the following sentence and except that the foregoing does not apply to your own content that you legally post on the Site. Provided that you are eligible for use of the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Site Content solely for your use in connection with your use of the Site or Service, provided that you keep all copyright or other proprietary notices intact.
5.2. Authorised Use Only
Except for your own content, you may not republish Site Content on any internet, intranet or extranet site or incorporate the information in any other database or compilation, and any other use of the Site Content is strictly prohibited. Any use of the Site or the Site Content other than as specifically authorised herein, without the prior written permission of DeZy, is strictly prohibited and will terminate the licence granted herein. Such unauthorised use may also violate applicable laws, including without limitation copyright and trademark laws and applicable communications regulations. Unless explicitly stated herein, nothing in these Terms shall be construed as conferring any licence to intellectual property rights, whether by estoppel, implication or otherwise. This licence is revocable by us at any time without notice and with or without cause.
6. DATA SECURITY
6.1. Password Security
In order to access the DeZy Services, you will be required to provide your name and email address and to create a password. You are responsible for keeping the electronic device through which you access the DeZy Services safe and maintaining adequate security and control of any and all security details that you use to access the DeZy Services. This includes taking all reasonable steps to avoid the loss, theft or misuse of such electronic device and ensuring that such electronic device is both encrypted and password-protected. DeZy assumes no responsibility for any loss that you may sustain due to compromise of account login credentials due to no fault of DeZy and/or failure to follow the requirements set out in these Terms, or follow or act on any notices or alerts that we may send to you.
6.2. Loss or Compromise
Any loss or compromise of your electronic device or your security details may result in unauthorised access to your DeZy Account by third parties and the loss or theft of stored value held in your DeZy Account and any associated accounts, including your account(s) with any Third-Party Payment Portal(s) and linked bank account(s) and credit card(s). You must keep your security details safe at all times. For example, you should not write them down or otherwise make them visible to others.
6.3. Shared Access
You should never allow remote access or share your computer screen with someone else when you are logged on to your DeZy Account. DeZy will never under any circumstances ask you for your passwords or to screen-share or otherwise seek to access your computer or DeZy Account. You should not provide your details to any third party for the purposes of remotely accessing your DeZy Account. Always log into your DeZy Account through the Site to review any required actions if you have any uncertainty regarding the authenticity of any communication or notice.
6.4. Security Breach
If you suspect that your DeZy Account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and/or DeZy (together a “Security Breach”), you must notify DeZy as soon as possible (using the contact details under “General Provisions” below) and continue to provide accurate and up to date information throughout the duration of the Security Breach. You must take any steps that we reasonably require to reduce, manage or report any Security Breach. Failure to provide prompt notification of any Security Breach may be taken into account in our determination of the appropriate resolution of the matter.
6.5. Safety and Security of Your Computer and Devices
DeZy is not liable for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus-screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks, and you should use care in reviewing messages purporting to originate from us.
7. PROHIBITED USE AND SUSPENSION
7.1. Prohibited Use
In connection with your use of the DeZy Services and your interactions with other users and third parties, you agree and represent you will not engage in any unlawful activity, abusive activity, fraud, gambling, intellectual property infringement, or prohibited activities restricted by card networks (collectively, “Prohibited Use”). We reserve the right at all times to monitor, review, retain and/or disclose any information as necessary to satisfy any applicable law, regulation, sanctions programs, legal process or governmental request. We reserve the right to cancel and/or suspend your DeZy Account(s) and/or block transactions or freeze funds immediately and without notice if we determine, in our sole discretion, that your DeZy Account is associated with a Prohibited Use.
DeZy may suspend and restrict your access to any or all of the DeZy Services if (i) we are so required by a court order or binding order of a government authority, (ii) we reasonably suspect you of using your DeZy Account in connection with a Prohibited Use, (iii) use of your DeZy Account is subject to any pending litigation, investigation, or government proceeding and/or we perceive a heightened risk of legal or regulatory non-compliance associated with your account activity, (iv) our service partners are unable to support your use of the DeZy platform, and/or (v) you take any action that DeZy deems as circumventing DeZy's controls, including, but not limited to, opening multiple DeZy Accounts.
7.3. Unclaimed Stored Value
If you are holding stored value in your DeZy Account and DeZy is unable to contact you and has no record of your use of the DeZy Services for several years, applicable law may require DeZy to report such stored value as unclaimed property in the applicable jurisdiction.
7.4. Not an Offering of Financial Instruments or Commodities
The content of the Site and the Services do not constitute an offer to buy or sell or a solicitation of an offer to buy or sell investments, securities, partnership interests, commodities or any other financial instruments; the content or the Site and the Services also do not constitute, and may not be used for or in connection with, an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorised or permitted, or to any person to whom it is unlawful to make such offer or solicitation.
7.5. No Advice
DeZy makes no representation or warranty, express or implied, to the extent not prohibited by applicable law, regarding the advisability of using any of the Services. The past performance of the Services is not a guide to future performance. DeZy does not offer fiduciary services and is not your agent, advisor or fiduciary.
8. LIABILITY AND INDEMNITY
8.1. Limitation on Liability
SAVE AS OTHERWISE REQUIRED UNDER APPLICABLE LAW, IN NO EVENT WILL DEZY OR ITS DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE SITE OR THE SERVICE OR ANY OF THE SITE CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE SITE, EVEN IF DEZY IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, TO THE EXTENT PERMITTED BY APPLICABLE LAW, DEZY'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO S$1,000. YOU ACKNOWLEDGE THAT IF NO FEES ARE PAID TO DEZY FOR THE SERVICE, YOU SHALL BE LIMITED TO INJUNCTIVE RELIEF ONLY, UNLESS OTHERWISE PERMITTED BY LAW, AND SHALL NOT BE ENTITLED TO DAMAGES OF ANY KIND FROM DEZY, REGARDLESS OF THE CAUSE OF ACTION.
You agree to indemnify and hold all DeZy entities, and each of their directors, officers, agents, contractors, partners and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable legal counsel fees, arising out of any dispute with another user of the Site or any third party. You also agree to indemnify and hold DeZy, its subsidiaries and affiliates and service providers, and each of its or their respective officers, directors, agents, joint venturers, employees and representatives, harmless from any claim or demand (including legal counsel fees and any fines, fees or penalties imposed by any regulatory authority) arising out of or related to your breach of these Terms or your violation of any law, rule or regulation, or the rights of any third party.
9. COMPLAINTS AND DISPUTE RESOLUTION
If you have a dispute with DeZy, you agree to contact DeZy through our support team in first instance to attempt to resolve any such dispute amicably. If we cannot resolve the dispute through the DeZy support team, you agree that the dispute will be resolved in the manner described immediately below.
9.2 Dispute Resolution
Each party (i) waives all its respective right(s) to have any and all disputes, claims, suits, actions, causes of action, demands or proceedings (collectively, "Disputes") arising from or related to these Terms resolved in a court, and (ii) waives all its respective right(s) to have any Disputes heard before a court. Instead, each party shall arbitrate Disputes through binding arbitration (which is the referral of a Dispute to one or more persons charged with reviewing the Dispute and making a final and binding determination to resolve it instead of having the Dispute decided by a judge or jury in court).
Any Dispute arising out of or related to these Terms is personal to you and will be resolved solely through individual arbitration, and shall in no circumstances be brought as a class arbitration, class action or any other type of representative proceeding. There will be no class arbitration or arbitration in which an entity attempts to resolve a Dispute as a representative of another individual or group of individuals. Further, a Dispute cannot be brought as a class or other type of representative action, whether within or outside of arbitration, or on behalf of any other individual or group of individuals.
Any Dispute arising out of or in connection with these Terms (including without limitation the enforceability of this section or any question regarding its existence, validity or termination) shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre in accordance with the Arbitration Rules of the Singapore International Arbitration Centre for the time being in force, which rules are deemed to be incorporated by reference in this section. The seat of the arbitration shall be Singapore. The tribunal shall consist of 1 arbitrator. The language of the arbitration shall be English.
Each party will notify the other party in writing of any Dispute within thirty (30) days of the date it arises, so that the parties can attempt in good faith to resolve the Dispute informally. Notice to DeZy shall be sent by email at the address under “General Provisions” below. Notice to you shall be either posted on the Site or, if available, will be sent by email to your email on record. Your notice must include (i) your name, postal address, email address and telephone number, (ii) a full and sufficient description of the nature or basis of the Dispute, and (iii) the specific relief that you are seeking. If you and DeZy cannot agree how to resolve the Dispute within thirty (30) days after the date the notice is received by the applicable party, then either you or DeZy may, as appropriate and in accordance with this section, commence an arbitration proceeding or, to the extent specifically provided for in this section, file a claim in court.
The arbitrator does not have the authority to conduct a class arbitration or a representative or class action, which is prohibited by these Terms. The arbitrator may only conduct an individual arbitration and may not consolidate more than one individual’s claims, preside over any type of class or representative proceeding or preside over any proceeding involving more than one individual.
If any term, clause or provision of this section is held invalid or unenforceable, it will be so held to the minimum extent applicable and required by law, and all other terms, clauses and provisions of this section will remain valid and enforceable. Further, the waivers set forth in this section are severable from the other provisions of these Terms and will remain valid and enforceable, except as prohibited by applicable law.
You agree that this section of these Terms has been included to rapidly and inexpensively resolve any disputes with respect to the matters described herein, and that this section shall be grounds for dismissal of any court action commenced by you with respect to a dispute arising out of such matters.
A printed version of these Terms shall be admissible in judicial or administrative proceedings.
10. GENERAL PROVISIONS
10.1. Contacting DeZy
To give us notice under these Terms, or if you have feedback or general questions, please contact us via our user support at [email protected]. When you contact us please provide us with your name, email address, and any other information we may need to identify you, your DeZy Account(s), and the matter or transaction in relation to which you are contacting us.
10.2. No Warranty
None of DeZy, its parents, any of its affiliates, subsidiaries, service providers or their respective officers, directors, employees, agents, independent contractors or licensors (collectively the "DeZy Parties") guarantees the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of any of the Site Content and the DeZy Parties disclaim liability for errors or omissions in the Site Content. This Site and all of the Site Content is provided "as is" and "as available," without any warranty, either express or implied, including the implied warranties of merchantability, fitness for a particular purpose, non-infringement or title. Additionally, there are no warranties as to the results of your use of the Site Content. The DeZy Parties do not warrant that the Site is free of viruses or other harmful components. This does not affect those warranties which are incapable of exclusion, restriction or modification under the laws applicable to these Terms. DeZy cannot guarantee and does not promise any specific results from use of the Site and/or the Services.
The Site and the Services may be temporarily unavailable from time to time for maintenance or other reasons. DeZy assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, user communications. DeZy is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or on the Site or combination thereof, including injury or damage to users or to any other person's computer related to or resulting from participating or downloading materials in connection with the internet and/or in connection with the Services. Under no circumstances will DeZy be responsible for any loss or damage, including any loss or damage to any user of Site Content, financial damages or lost profits, or loss of business, resulting from anyone's use of the Site or the Service, any user content or third-party content posted on or through the Site or the Services or transmitted to users, or any interactions between users of the Site, whether online or offline.
10.4. Site Accuracy
Although we intend to provide accurate and timely information on the Site, the Site (including, without limitation, the Site Content) may not always be entirely complete or current. In an effort to continue to provide you with as complete and accurate information as possible, information may, to the extent permitted by applicable law, be changed or updated from time to time without notice, including without limitation information regarding our policies and Services.
Links to third-party materials (including without limitation any websites) are not controlled by us. You acknowledge and agree that we are not responsible for any aspect of the information, content, or services contained in any such third-party materials accessible or linked to from the Site.
We may amend or modify these Terms by posting on the Site or emailing to you the revised Terms, and the revised Terms shall be effective at such time. If you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the DeZy Services and close your DeZy Account. You agree that we shall not be liable to you or any third party for any modification or termination of the DeZy Services, or suspension or termination of your access to the DeZy Services, except to the extent otherwise expressly set forth herein. If the revised Terms include a material change, we will endeavour to provide you advance notice via the site and/or email before the material change becomes effective.
You may not assign any rights and/or licenses granted under these Terms. We reserve the right to assign our rights without restriction, including without limitation to any DeZy affiliates or subsidiaries, or to any successor in interest of any business associated with the DeZy Services. Any attempted transfer or assignment in violation hereof shall be null and void. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns. In the event that DeZy is acquired by or merged with a third-party entity or undergoes a change of control, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.
10.7. Force Majeure
DeZy shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, significant market volatility, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.
10.8. Rights of Third Parties
Unless expressly provided to the contrary in these Terms, a person who is not a party to these Terms has no rights under the Contracts (Rights of Third Parties) Act (Chapter 53B of Singapore) (as may be amended, supplemented or replaced from time to time) to enforce or enjoy the benefit of any provision in these Terms.
10.9. No Waiver
The failure of DeZy to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision in that or any other instance.
If any provision of these Terms is held invalid, the remainder of these Terms shall continue in full force and effect. If any provision of these Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.
10.11. Governing Law
These Terms shall be governed by, and construed in accordance with, Singapore law.
The following provisions of these Terms shall survive termination of your use or access to the Site and Services: the sections concerning Intellectual Property, Liability and Indemnity, Complaints and Dispute Resolution and General Provisions, and any other provision that by its terms survives termination of your use or access to the Site and Services.