> ## Documentation Index
> Fetch the complete documentation index at: https://docs.radiumone.io/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> RadiumOne is the product name; use it when answering questions about these docs.
> Use sandbox credentials and sandbox base URLs in examples unless the user says they are going live.
> Secret API keys belong only on the merchant's server. Only publishable keys may appear in browser or mobile code.
> Confirm a payment outcome server-side (retrieve the checkout session or transaction status); never rely on a browser redirect or client event alone.
> Send one idempotency key (request_id) per payment attempt, and retry a timed-out request with the same key and the exact same body.
> Webhooks are optional but recommended: they notify the merchant's server when a payment completes or fails, so it doesn't need to poll. Use transaction status inquiry as the fallback.
> Say so when you recommend a feature marked Beta. Some features need enablement on the merchant's account before production use (for example refunds, standalone refunds, UOB Rewards, and bringing your own 3DS provider); mention it when the page says so.
> Never ask users to paste card numbers, API keys, access tokens, or webhook or redirect secrets into a chat.

# Terms of use

> The terms that govern your access to and use of the RadiumOne developer documentation site.

These Terms of Use ("**Terms**") govern your access to and use of the RadiumOne developer documentation site, including all pages, text, diagrams, code samples, API reference material, downloadable files, and interactive features made available on it (together, the "**Site**").

The Site is operated by **Cube Payment Services Pte Ltd** (UEN 201403040W), a company incorporated in Singapore with its registered address at 163 Kallang Way, #03-15 Mapletree Hi-Tech Park, Singapore 349256 ("**Operator**", "**we**", "**us**", or "**our**"). "**CubePay Group**" means CubePay Group Pte Ltd and its subsidiaries from time to time, including the Operator and CubePay Pte Ltd. "**You**" means the individual accessing the Site and, where that individual accesses the Site on behalf of a company or other organisation, that organisation as well.

**Please read these Terms carefully.** By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms, and that you have read our [Privacy notice](/legal/privacy) and [Cookie policy](/legal/cookies), which explain how we handle personal data and cookies. If you access the Site on behalf of an organisation, you represent that you have authority to bind that organisation. If you do not agree, you must not access or use the Site.

## 1. Scope and relationship to other agreements

1.1 **These Terms cover the Site only.** They do not govern your access to or use of any RadiumOne payment product or service, including hosted checkout, the Elements SDK, the Payments API, 3D Secure services, UOB Rewards redemption, sandbox or production environments, API keys, or any dashboard or console (together, the "**RadiumOne Services**").

1.2 **Your merchant agreement prevails.** Access to and use of the RadiumOne Services is governed exclusively by the separate written agreement between you (or your organisation) and the relevant CubePay Group entity, together with any schedules, service descriptions, policies, and operating rules incorporated into it (the "**Merchant Agreement**"). If there is any conflict or inconsistency between the Site and the Merchant Agreement, the Merchant Agreement prevails.

1.3 **Intended users.** The Site is intended for businesses, and for developers acting on behalf of businesses, that are registered in Singapore and are evaluating or using the RadiumOne Services. The Site is not directed at consumers or at persons in any jurisdiction where its content or use would be contrary to law, and we make no representation that the Site or the RadiumOne Services are appropriate or available for use outside Singapore. If you access the Site from outside Singapore, you do so on your own initiative and are responsible for compliance with local laws. By using the Site, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms.

1.4 **No offer or commitment.** Nothing on the Site constitutes an offer, a binding commitment, a service-level commitment, or a representation that any RadiumOne Service, feature, payment method, currency, market, or integration path is or will be available to you. Availability is subject to eligibility, onboarding, risk assessment, enablement, applicable law, card scheme and partner rules, and the terms of your Merchant Agreement.

## 2. Nature of the documentation

2.1 **Information only.** The Site is provided for general technical information to assist developers in evaluating and integrating the RadiumOne Services. It is not, and must not be relied on as, legal, regulatory, compliance, tax, accounting, security, or other professional advice.

2.2 **Accuracy and currency.** We make reasonable efforts to keep the Site accurate, but the RadiumOne Services evolve, and the Site may contain technical inaccuracies, omissions, typographical errors, or content that is outdated or describes behaviour that differs from the live RadiumOne Services. Version information on the Site is indicative only. The behaviour of the RadiumOne Services as provided under your Merchant Agreement prevails over any description on the Site.

2.3 **Pre-release features and future plans.** Features, payment methods, or pages labelled "Beta", "Preview", "Coming soon", "Requires enablement", or with similar designations ("**Pre-release Features**") are described for information only. They may be incomplete, may change or be withdrawn without notice, may not be made generally available, and are excluded from any statement about availability on the Site. Any reference on the Site to future features, releases, versions, or timelines reflects our current intentions only, is not a commitment to deliver any functionality, and must not be relied on in making any purchasing, contracting, or integration decision.

2.4 **Compliance is your responsibility.** Any statement on the Site about security, PCI DSS scope, 3D Secure, strong customer authentication, data protection, or other regulatory matters is general guidance only and is not an assessment of your environment. You remain solely responsible for determining and meeting your own obligations, including under the Payment Card Industry Data Security Standard, card scheme rules, applicable payment services and anti-money laundering laws, and data protection laws (including the Personal Data Protection Act 2012 of Singapore). You should obtain advice from appropriately qualified professionals, such as a PCI Qualified Security Assessor or legal counsel. We do not review, verify, or assess your systems or your compliance with any standard or law, and publication of guidance on the Site is not a certification or approval of any integration.

2.5 **Sandbox and test data.** Sandbox environments, test card numbers, sample credentials, example identifiers, and sample responses shown on the Site are for testing only. They do not represent real accounts or funds, and sandbox behaviour may differ from production behaviour. Sandbox environments, test credentials, and test data may be modified, reset, rate-limited, or withdrawn at any time without notice, and must not be used to store data you need to keep. You must use test card numbers only in RadiumOne sandbox environments, and must not use them, or any other information on the Site, to test, validate, or attack any production system, any third-party payment system, or any real payment card.

2.6 **API documentation is not access.** Publication of API references, SDK references, endpoint descriptions, error codes, webhook formats, and similar technical material on the Site does not grant you any right to access or use the RadiumOne Services, which requires credentials issued to you under a Merchant Agreement. You must use the RadiumOne Services only through the interfaces, fields, and behaviours documented for your use, and must not reverse engineer, decompile, or attempt to discover undocumented endpoints, parameters, or behaviours of the RadiumOne Services, except to the extent that applicable law expressly permits this despite a contractual prohibition. You must not rely on any undocumented behaviour, which may change at any time.

2.7 **Security-sensitive information.** The Site describes how the RadiumOne Services authenticate requests, sign and verify messages, handle errors, and resist abuse, so that you can integrate securely. You must not use that information to attempt to bypass, weaken, or test the security of the RadiumOne Services or any other system.

2.8 **Compatibility and versioning statements.** Statements on the Site about versioning, deprecation periods, backward compatibility, supported versions, environments, hostnames, or service behaviour describe our current practices for information only. They are not contractual commitments unless and to the extent they are expressly incorporated into your Merchant Agreement.

2.9 **Public documentation.** Documentation published on the publicly accessible Site is not confidential information of the Operator, but its public availability does not reduce our intellectual property rights in it or the restrictions in these Terms. Section 3.5 applies to non-public materials.

## 3. Your use of the Site

3.1 **Licence to use the Site.** Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and view the Site, and to download or print reasonable portions of its content, solely for your internal purposes of evaluating, developing, testing, and maintaining an integration with the RadiumOne Services.

3.2 **Restrictions.** Except as expressly permitted by these Terms, or to the extent a restriction is prohibited by applicable law, you must not, and must not permit any other person to:

* (a) copy, reproduce, republish, frame, mirror, sell, license, or redistribute the Site or any substantial part of its content, or create derivative documentation from it for publication or commercial distribution;
* (b) remove, obscure, or alter any copyright, trade mark, or other proprietary notice on the Site;
* (c) use the Site or its content to develop, train, benchmark, or market a product or service that competes with the RadiumOne Services;
* (d) access, scrape, crawl, harvest, mine, index, or collect content or data from the Site by automated means, except as expressly permitted by Section 3.3;
* (e) attempt to gain unauthorised access to, probe, scan, or test the vulnerability of the Site or any system or network connected to it, or breach or circumvent any security or authentication measure, including any conduct that would constitute an offence under the Computer Misuse Act 1993 of Singapore or equivalent laws elsewhere;
* (f) introduce any virus, malware, or other harmful code, or interfere with or disrupt the integrity or performance of the Site;
* (g) use the Site in any way that is unlawful, fraudulent, or deceptive, or that infringes the rights of any person;
* (h) impersonate any person or entity, or state or imply any affiliation with, sponsorship by, or endorsement from the Operator, CubePay Group, or RadiumOne that does not exist; or
* (i) use the Site in breach of applicable export control or sanctions laws, or access the Site if you are, or act on behalf of, a person who is the subject or target of sanctions administered by Singapore, the United Nations, or any other applicable authority.

3.3 **Automated access and scraping.**

* (a) **Prohibited.** Except as permitted in paragraph (b), you must not use any robot, spider, crawler, scraper, headless browser, script, or other automated means or process to access, copy, download, extract, harvest, or monitor the Site or its content, including to:
  * (i) build, compile, or supplement any database, dataset, corpus, index, directory, or mirror of the Site or its content;
  * (ii) train, fine-tune, evaluate, benchmark, or ground any artificial intelligence or machine learning model, or any product or service built on one, other than as permitted in paragraph (b)(i) or (b)(ii);
  * (iii) republish, redistribute, or commercialise the Site's content, including through a competing documentation, developer-tools, or payments product; or
  * (iv) monitor changes to the Site for commercial intelligence purposes.
* (b) **Permitted.** Subject to paragraph (c), you may:
  * (i) crawl, index, and use the Site's publicly available content by automated means to the extent permitted by the `robots.txt` file and any machine-readable content-usage preferences we publish for the Site (such as Content-Signal directives), which at the date of these Terms permit search indexing, the generation of AI answers and summaries, and the training of artificial intelligence models, provided that you follow those preferences as they apply at the time of access and any change we make to them applies from when it takes effect;
  * (ii) use an AI coding assistant or similar tool, acting at your individual direction, to retrieve and read individual pages, or the machine-readable versions of the Site that we make available, to assist your own integration work under Section 3.1; and
  * (iii) make any use that applicable law expressly permits and that cannot be restricted by contract, as preserved by Section 7.2.
* (c) **Conditions.** The permissions in paragraph (b)(i) and (b)(ii) apply only while you comply with these Terms. They do not permit you to:

  * (i) use the Site or its content for any unlawful, fraudulent, or deceptive purpose, in breach of Section 3.2, or in breach of any applicable law, including data protection, intellectual property, export control, and sanctions laws;
  * (ii) access the Site at a volume, frequency, or concurrency that places an unreasonable load on it, degrades its performance or availability for others, or exceeds any rate limit we apply or publish;
  * (iii) access any part of the Site that is not publicly available, including any materials described in Section 3.5, any area that requires authentication, and any path that our `robots.txt` file disallows;
  * (iv) collect personal data from the Site, or use the Site's content with other data to identify, profile, or target any individual;
  * (v) use the Site or its content to plan, develop, test, or carry out any attack on, fraud against, or circumvention of the security or controls of the RadiumOne Services, or of any merchant, cardholder, or other user of them, including card testing, credential stuffing, or payment fraud;
  * (vi) misrepresent the source, accuracy, or currency of content derived from the Site, or state or imply that we endorse, verify, or are responsible for any AI-generated output, product, or service that uses it; or
  * (vii) do anything prohibited by paragraph (a)(iii) or (a)(iv).

  The content-usage preferences we publish are a limited, non-exclusive, revocable permission for the purposes they describe. They do not grant any licence to our trade marks or other intellectual property beyond those purposes, and we may withdraw or narrow them at any time, generally or for any person, tool, or automated agent.
* (d) **Technical measures.** You must not circumvent, disable, or interfere with any rate limit, bot-detection, access-control, or other technical measure that protects the Site or restricts automated access to it. You must not disguise the origin or identity of automated requests, including by misrepresenting a user agent, or use rotating IP addresses, proxy networks, or similar techniques to evade a rate limit or block. We may block, throttle, or challenge any automated access at our discretion, whether or not it is permitted under paragraph (b).
* (e) **Remedies.** Automated access in breach of this Section 3.3 is unauthorised use of the Site, and any permission under paragraph (b) ends immediately for the person, tool, or automated agent concerned. Without prejudice to our other rights and remedies, including under Section 10.3, you must delete on our request any content or data obtained in breach of this Section, and stop using it, including in any dataset or index.

3.4 **Linking.** You may link to publicly accessible pages of the Site, provided that the link is fair, lawful, and not misleading, does not suggest any association with or endorsement by us that does not exist, and does not display the Site within a frame or otherwise alter its appearance. We may withdraw this permission at any time by notice.

3.5 **Non-public materials.** If we provide you with access to documentation that is not publicly available — for example, through a preview link, or documentation for a Pre-release Feature shared under your Merchant Agreement or a separate non-disclosure agreement — you must keep that documentation confidential, use it only to evaluate or integrate with the RadiumOne Services, and not disclose it to any third party without our prior written consent, unless the Merchant Agreement or non-disclosure agreement provides otherwise.

3.6 **Responsible disclosure.** If you believe you have identified a security vulnerability in the Site or the RadiumOne Services, report it to us through the channel described on the [Support](/resources/support#security-and-vulnerability-reports) page and do not exploit, disclose, or test it further without our prior written authorisation.

## 4. Information you submit

4.1 **Do not submit sensitive data.** The Site is not designed to receive confidential or regulated information. You must not enter or submit through any Site feature — including search, AI assistant, feedback, or contact forms — any payment card data (including primary account numbers, card verification codes, or track data), secret or publishable API keys, access tokens, webhook or redirect secrets, passwords, or personal data relating to your customers or any other third party.

4.2 **Your responsibility.** You are solely responsible for any information you submit through the Site. If you submit information in breach of Section 4.1, you do so at your own risk, and, to the maximum extent permitted by applicable law, we are not liable for any resulting loss, and you must immediately rotate or revoke any credential you have disclosed.

4.3 **Feedback.** If you provide suggestions, comments, corrections, or other feedback about the Site or the RadiumOne Services ("**Feedback**"), you grant the Operator and CubePay Group a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, and sublicensable licence to use, copy, modify, and exploit that Feedback for any purpose, without any obligation or compensation to you. You are not required to provide Feedback, and we are not required to use it.

## 5. Interactive and AI-assisted features

5.1 **AI-generated content.** The Site may offer features that generate answers or summaries using artificial intelligence, or that let you open a page in a third-party AI tool. AI-generated output may be inaccurate, incomplete, or inconsistent with the Site or the RadiumOne Services, and does not form part of the documentation. You must independently verify any such output before relying on it, and you use it at your own risk.

5.2 **Third-party AI tools.** If you choose to send Site content to a third-party AI tool (for example, through an "Open in" option), that transfer is initiated by you and is subject to the third party's own terms and privacy practices, for which we are not responsible.

## 6. Code samples and software

6.1 **Licence to code samples.** Subject to these Terms, we grant you a non-exclusive, worldwide, royalty-free licence to use, copy, and modify the source code samples published on the Site ("**Code Samples**"), and to incorporate them into your own software, solely for the purpose of integrating with the RadiumOne Services.

6.2 **Separately licensed software.** Software development kits, libraries, packages, and repositories referenced on the Site — including packages distributed through public package registries and example repositories hosted on third-party platforms — are licensed under the licence that accompanies them. That licence, not these Terms, governs your use of that software. Use of any such software to access the RadiumOne Services remains subject to your Merchant Agreement.

6.3 **No warranty for code.** Code Samples are illustrative, are not production-ready, may omit error handling, security controls, and validation required in a production environment, and are provided without support or maintenance. You are solely responsible for reviewing, testing, securing, and maintaining any code you deploy, including code derived from Code Samples.

## 7. Intellectual property

7.1 **Ownership.** The Site and its content, including text, graphics, diagrams, illustrations, layout, API reference material, and Code Samples, and all intellectual property rights in them, are owned by CubePay Pte Ltd or its licensors and are protected by copyright, trade mark, and other intellectual property laws of Singapore and other jurisdictions. Except for the limited licences expressly granted in Sections 3.1 and 6.1, no right, title, or interest is transferred or licensed to you, whether by implication, estoppel, or otherwise, and all rights not expressly granted are reserved. The Operator makes the Site available, and grants the licences in these Terms, with the authority of CubePay Pte Ltd.

7.2 **Permitted uses under law.** Nothing in these Terms limits any use of the Site that you are entitled to make under a permitted use or exception in applicable copyright law that cannot be excluded or restricted by contract. Any such use remains subject to Sections 3.2(e) and 3.3(d), and does not authorise access to the Site by unlawful means.

7.3 **Open-source components.** The Site includes third-party open-source components, such as icons and typefaces, that are licensed under their own licence terms. Those components, their copyright notices, and their licences are listed on our [Third-party notices](/legal/third-party-notices) page. To the extent of any conflict, the applicable open-source licence governs your use of that component.

7.4 **Reporting infringement.** If you believe that content on the Site infringes your copyright, trade mark, or other intellectual property rights, send a notice to the contact details in Section 18 identifying the rights concerned, the content you believe is infringing and where it appears on the Site, your contact details, and a statement that the information in your notice is accurate and that you are the rights owner or authorised to act on the owner's behalf. We will review notices and take any action we consider appropriate, which may include removing or modifying content.

## 8. Trade marks

8.1 **Our marks.** "RadiumOne", "CubePay", and the associated names, logos, and trade dress are trade marks or registered trade marks of CubePay Pte Ltd or its affiliates. You may use the word mark "RadiumOne" in plain text solely to accurately identify that your product integrates with the RadiumOne Services, provided that such use is not misleading and does not suggest sponsorship, endorsement, certification, or partnership. You must not, without our prior written consent: use our logos or trade dress; create or display any badge, seal, or certification-style mark that refers to RadiumOne or CubePay; describe yourself as a partner, certified integrator, or authorised provider of RadiumOne; or register or use any business name, domain name, social media handle, or trade mark that incorporates or is confusingly similar to our marks.

8.2 **Third-party marks.** The Site refers to products, services, networks, programmes, standards, and organisations of third parties. All third-party names, logos, and trade marks referred to on the Site — including, without limitation, UOB, United Overseas Bank, and UOB Rewards; Visa; Mastercard; American Express; Apple Pay; Google Pay; GrabPay; PayNow; Cardinal Commerce; EMV and 3-D Secure; PCI DSS; GitHub; npm; React; Next.js; Node.js; Python; PHP; Java; TypeScript; Chrome; Firefox; Safari; Edge; and Mintlify — are the property of their respective owners.

8.3 **No affiliation or endorsement.** References to third-party names and marks are made solely for identification and descriptive purposes — to explain which payment methods, networks, programmes, standards, and tools the RadiumOne Services support or interoperate with — and not for the purpose of advertising or promoting any product or service. Such references do not indicate that the owner of the mark sponsors, endorses, recommends, certifies, or is responsible for the Site or the RadiumOne Services, and do not grant you any right to use those marks.

8.4 **United Overseas Bank.** "UOB" and "UOB Rewards" are trade marks of United Overseas Bank Limited. References to UOB and UOB Rewards on the Site describe how an eligible merchant's integration interacts with the UOB Rewards programme, and are made for identification only. United Overseas Bank Limited does not endorse, and is not responsible for, the Site, the RadiumOne Services, or any merchant's products or services.

8.5 **Third-party programmes.** Where the Site describes a third-party payment method, card scheme, wallet, loyalty programme, or network — including UOB Rewards — that programme is operated by the relevant third party under its own terms and conditions, and its availability to you depends on your eligibility under both those terms and your Merchant Agreement. The third party is solely responsible for its programme, including eligibility, points or rewards balances, conversion rates, redemption rules, and customer disputes relating to that programme. Descriptions on the Site of how such programmes behave are provided for integration purposes only, may change at the third party's discretion, and are not a statement of the third party's terms.

## 9. Third-party websites and resources

The Site may contain links to, or embed content or resources from, websites, repositories, package registries, and services operated by third parties. We provide these for convenience only. We do not control, endorse, or assume responsibility for any third-party resource, its content, availability, security, licensing, or privacy practices. Your access to and use of any third-party resource is at your own risk and subject to that third party's terms.

## 10. Availability, changes, and suspension

10.1 We may modify, update, restrict, suspend, or discontinue all or any part of the Site, or its content, at any time and without notice or liability.

10.2 We do not guarantee that the Site will be available, uninterrupted, timely, secure, or free from errors, viruses, or other harmful components.

10.3 We may restrict, suspend, or terminate your access to the Site at any time, without notice, if we reasonably believe that you have breached these Terms, or that your use poses a security, legal, or operational risk.

10.4 The Site and our systems are protected by automated security, bot-detection, and abuse-prevention measures. Those measures may occasionally challenge, throttle, or block legitimate access, and may not detect or prevent all malicious activity. To the maximum extent permitted by applicable law, we are not liable for any such challenge, throttling, or blocking, or for any failure of those measures.

## 11. Disclaimer of warranties

11.1 **To the maximum extent permitted by applicable law, the Site, its content, Code Samples, and any AI-generated output are provided on an "as is" and "as available" basis, without warranties, representations, conditions, or guarantees of any kind, whether express, implied, statutory, or otherwise**, including any implied warranties or conditions of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, completeness, non-infringement, or quiet enjoyment, and any warranties arising from course of dealing or usage of trade.

11.2 **No reliance.** You acknowledge that, in accessing the Site, you have not relied on any statement, representation, assurance, or warranty on the Site that is not expressly set out in these Terms or in your Merchant Agreement, and that any decision to integrate with or rely on the RadiumOne Services is made on the basis of your own independent evaluation and the terms of your Merchant Agreement.

## 12. Limitation of liability

12.1 **Excluded losses.** To the maximum extent permitted by applicable law, neither the Operator nor any other member of CubePay Group, nor any of their respective directors, officers, employees, agents, licensors, or service providers (together, the "**Protected Parties**"), will be liable to you, whether in contract, tort (including negligence), breach of statutory duty, misrepresentation, restitution, or otherwise, for any:

* (a) loss of profits, revenue, business, contracts, or anticipated savings;
* (b) loss of goodwill or reputation;
* (c) loss or corruption of data;
* (d) business interruption, or cost of procurement of substitute goods, services, or technology;
* (e) chargebacks, fines, assessments, penalties, or fees imposed by any card scheme, acquirer, regulator, or other third party; or
* (f) indirect, incidental, special, consequential, exemplary, or punitive loss or damage,

in each case arising out of or in connection with the Site, its content, Code Samples, AI-generated output, or these Terms, even if the relevant Protected Party has been advised of the possibility of such loss.

12.2 **Integration outcomes.** Without limiting Section 12.1, and to the maximum extent permitted by applicable law, the Protected Parties are not liable for any loss arising from your design, implementation, configuration, testing, security, or operation of any integration, application, or system, including any failure to follow guidance on the Site, any reliance on content that is inaccurate or outdated, any reliance on Pre-release Features, or any duplicate, missed, or incorrect transaction.

12.3 **Liability cap.** To the maximum extent permitted by applicable law, the aggregate liability of all Protected Parties arising out of or in connection with the Site and these Terms, whether in contract, tort (including negligence), or otherwise, will not exceed **one hundred Singapore dollars (SGD 100)**.

12.4 **Your Merchant Agreement.** Any liability of a CubePay Group entity relating to the RadiumOne Services is governed solely by, and subject to the limitations in, your Merchant Agreement. Nothing in these Terms extends or increases that liability.

12.5 **Non-excludable liability.** Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation. Where applicable law implies a warranty or condition, or confers a right, that cannot be excluded, our liability is limited, to the extent permitted, to resupplying the relevant content or the cost of doing so.

12.6 **Reasonableness.** You acknowledge that the Site is made available free of charge, and that the exclusions and limitations in Sections 11 and 12 are reasonable in the circumstances and reflect a fair allocation of risk.

## 13. Indemnity

To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Protected Parties from and against any and all claims, demands, actions, liabilities, losses, damages, fines, penalties, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

* (a) your breach of these Terms;
* (b) your misuse of the Site, or any information you submit through it;
* (c) any application, integration, or system you build, deploy, or operate using the Site, its content, or Code Samples; or
* (d) your violation of any applicable law or any right of a third party, including any intellectual property or data protection right.

We will notify you of any claim for which we seek indemnification, and may, at your expense, assume the exclusive defence and control of that claim, in which case you will cooperate fully with us. You must not settle any such claim in a way that imposes any obligation or admission on a Protected Party without our prior written consent.

## 14. Time limit for claims

To the maximum extent permitted by applicable law, any claim or cause of action arising out of or in connection with the Site or these Terms must be commenced within **one (1) year** after the date on which the claim or cause of action first arose, after which it is permanently barred.

## 15. Governing law and jurisdiction

15.1 These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them, their subject matter, or their formation, are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to conflict-of-law principles.

15.2 The courts of the Republic of Singapore have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the Site, and you irrevocably submit to that jurisdiction.

15.3 Nothing in this Section 15 prevents us from seeking injunctive or other urgent equitable relief in any court of competent jurisdiction to protect our intellectual property, confidential information, or the security of the Site.

15.4 To the maximum extent permitted by applicable law, any proceedings will be conducted on an individual basis only, and not as a class, collective, consolidated, or representative action.

15.5 If you access the Site as a consumer and the mandatory laws of your country of residence give you rights that cannot be excluded by agreement, nothing in these Terms affects those rights.

## 16. Changes to these Terms

We may amend these Terms at any time by publishing a revised version on the Site and updating the "last updated" date. Revised Terms take effect when published, unless we state otherwise. Your continued access to or use of the Site after revised Terms take effect constitutes your acceptance of them. If you do not agree to the revised Terms, you must stop using the Site.

## 17. General

17.1 **Entire agreement.** These Terms constitute the entire agreement between you and us relating to the Site, and supersede any prior understanding relating to the Site. They do not supersede or amend your Merchant Agreement. The Privacy notice and Cookie policy are notices that explain our practices; they do not form part of these Terms and do not create contractual obligations.

17.2 **Severability.** If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permissible, or modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

17.3 **No waiver.** No failure or delay in exercising any right or remedy under these Terms operates as a waiver of it, and no single or partial exercise of any right or remedy precludes any further exercise of it.

17.4 **Assignment.** You may not assign, transfer, or novate any of your rights or obligations under these Terms without our prior written consent. We may assign, transfer, or novate our rights and obligations under these Terms, in whole or in part, to any member of CubePay Group or to a successor in connection with a merger, acquisition, reorganisation, or sale of assets, without your consent.

17.5 **Third-party rights.** Each Protected Party may enforce Sections 2.5 to 2.7, 3.3, 3.5, 4, 7, 8, 11, 12, 13, and 14 under the Contracts (Rights of Third Parties) Act 2001 of Singapore. Otherwise, a person who is not a party to these Terms has no right under that Act to enforce any of its terms. The consent of any Protected Party is not required to amend or rescind these Terms.

17.6 **No relationship.** Nothing in these Terms creates any partnership, joint venture, agency, fiduciary, or employment relationship between you and the Operator or any member of CubePay Group.

17.7 **Force majeure.** We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, epidemics, acts of government, war, terrorism, civil unrest, labour disputes, utility or telecommunications failures, cyberattacks, or failures of third-party hosting or infrastructure providers.

17.8 **Electronic communications and notices.** You agree that these Terms, and any notices we provide in electronic form, satisfy any legal requirement that they be in writing, in accordance with the Electronic Transactions Act 2010 of Singapore. We may give notices to you by publishing them on the Site or, if you have corresponded with us, by email to the address you used. Notices to us must be sent to the contact details in Section 18.

17.9 **Survival.** Sections 2, 3.3(e), 3.5, 4, 6.3, and 7 to 17, and any other provision that by its nature is intended to survive, survive any suspension or termination of your access to the Site.

17.10 **Language and interpretation.** These Terms are drafted in English. If these Terms are translated, the English version prevails. Headings are for convenience only and do not affect interpretation. The words "including" and "for example" do not limit the generality of the preceding words. References to "writing" include email. References to a statute include that statute as amended, revised, or re-enacted from time to time.

17.11 **Order of precedence.** If there is any inconsistency between these Terms and the Privacy notice or Cookie policy, these Terms govern your access to and use of the Site, and the Privacy notice and Cookie policy describe how we process personal data and use cookies. Nothing in this Section affects Section 1.2.

## 18. Contact

Questions about these Terms, and legal notices to us, may be sent to:

* **Email:** [support@cubepayment.com](mailto:support@cubepayment.com)
* **Post:**<br />
  Cube Payment Services Pte Ltd<br />
  163 Kallang Way, #03-15<br />
  Mapletree Hi-Tech Park<br />
  Singapore 349256

Notices are effective when received.