Terms of Use

1.1 The Portal and the Service

The Vision Score Portal (the "Portal") is a self-serve web application hosted by Trust IQ that allows Client to (the "Service"):

• submit self-portrait images and associated image metadata for analysis;
• submit historical performance datasets, application data, and related metadata for evaluation and backtesting;
• request and obtain Trust IQ's facial-analysis score (the "Vision Score");
• request fine-tuning of the Vision Score model based on Client's portfolio (see Section 5.6);
• view performance metrics (including Gini coefficient, AUC, and lift tables);
• download scored outputs for uploaded data; and
• access related documentation, dashboards, and support.

1.2 Client Inputs, Client Personal Data, Service Outputs, and Aggregated Service Metrics

"Client Inputs" means Image Data, Performance Data, and any other data, files, materials, or information uploaded or submitted by Client or its Authorized Users to the Portal in connection with the Service; "Image Data" means image files (such as self-portrait images, selfies, or facial images) of Client's data subjects, together with associated image metadata (such as EXIF data, capture timestamps, device information, and camera parameters), uploaded by Client to the Portal; and "Performance Data" means structured data files uploaded by Client in CSV, XLSX, or similar format that record outcome, performance, application, or behavioural information relating to Client's data subjects, including historical outcome records, application data, payment status records, and related metadata.

"Client Personal Data" means any Personal Data contained in Client Inputs or otherwise processed by Trust IQ on behalf of Client through the Service.

"Service Outputs" means Vision Scores, scoring results, performance metrics, lift tables, analytics, reports, and other outputs generated by the Service from Client Inputs.

"Aggregated Service Metrics" means statistical, aggregated, anonymised, or operational information derived from use of the Service that does not identify Client, any Authorized User, or any data subject.

Further detail on the categories of personal data processed in connection with the Service is set out in Schedule 1 of the DPA.

1.3 Trial Use

Trust IQ may make the Service available to Client on a trial basis (a "Trial") for a limited period and subject to volume caps notified to Client through the Portal. Trust IQ may modify, suspend, or terminate Trials at any time.

1.4 Production Use Requires Client Agreement

The Trial governed by these Terms does not authorise production use. "Production use" includes (without limitation):

• integration of the Service via API or SDK into Client's production systems;
• use of Vision Score outputs in live performance, hiring, insurance, or other adverse-action decisions affecting natural persons;
• processing of personal data exceeding the Trial caps in Section 3; or
• processing on an ongoing or commercial basis.

Production use requires Client and Trust IQ to enter into a separate Client Agreement, which sets out commercial terms (pricing, term, service levels, production-grade rights, and similar). The DPA accepted by Client at sign-up under these Terms continues to govern data processing in connection with the Service, subject only to any amendments agreed in the Client Agreement.

2.1 Eligibility

The Portal is provided for business-to-business use only. By registering, Client represents and warrants that:

• Client is a legal entity, not an individual consumer;
• the individual creating the account is at least 18 years of age and is authorized to bind the Client;
• Client is not located in, organized under the laws of, or controlled by a person located in any jurisdiction subject to a comprehensive embargo administered by the Singapore Government, the United Nations Security Council, the United States Office of Foreign Assets Control, the United Kingdom, or the European Union; and
• Client is not a person listed on any applicable sanctions or denied-parties list.

2.2 Compliance with Applicable Laws

For purposes of the Singapore PDPA, Client is the organisation responsible for determining the purposes for which and the manner in which Client Personal Data is collected, used, disclosed, and processed through the Service. Trust IQ processes Client Personal Data as Client's data intermediary, on behalf of and for the purposes of Client. Trust IQ acts as an independent organisation under the Singapore PDPA when it processes Portal User Data, KYB information, security logs, account data, service usage analytics, or other data for its own administrative, security, compliance, billing, audit, legal, or account-management purposes. Where applicable under laws using controller/processor concepts, Client acts as controller or equivalent, and Trust IQ acts as processor or equivalent, except where Trust IQ acts as an independent controller or equivalent. As between the Parties, Client is solely responsible for ensuring that its collection, use, disclosure, transfer, upload, instructions for processing, and use of Client Inputs, Client Personal Data, and Service Outputs comply with all applicable laws. The DPA governs the allocation of data protection responsibilities between Trust IQ and Client.

2.3 Prohibited Jurisdictions

Client shall not access the Service from, or upload Client Inputs of residents of:

• the United States of America (and any U.S. territory or possession);
• the European Economic Area, the United Kingdom, or Switzerland; and
• any jurisdiction subject to comprehensive sanctions administered by the United Nations, the Singapore Government, U.S. OFAC, the United Kingdom, or the European Union.

Trust IQ may update this list through the Portal at any time.

2.4 Know Your Business (KYB)

Before granting access to the Service, Trust IQ conducts a Know Your Business (KYB) review of the Client to verify the Client's identity, business standing, beneficial ownership, and absence from sanctions or denied-parties lists. Trust IQ may use a combination of public records, sanctions and denied-parties databases, third-party verification services, and Client-provided documentation for this review. Trust IQ may suspend or terminate accounts where the KYB review cannot be completed, is incomplete, or where the review reveals risk concerns. Client warrants that no director, officer, employee, or beneficial owner (≥25%) of Client is a person listed on any applicable sanctions or denied-parties list, and that Client will promptly notify Trust IQ of any change to such information.

2.5 Authorized Users

Client may designate one or more individuals to access the Portal on its behalf ("Authorized Users"). Client is responsible for the acts and omissions of its Authorized Users and for keeping account credentials confidential. Client shall notify Trust IQ promptly of any unauthorized access.

During the Trial, Client may upload Client Inputs in the form of image files (containing Image Data) and structured data files in CSV, XLSX, or similar format (containing Performance Data), provided that Client Inputs falls into one of the following categories:

• synthetic or test data that is not derived from any identifiable individual;
• anonymized, de-identified, or pseudonymized data from which no individual can reasonably be identified; or
• personal data of individuals from whom Client has obtained all consents, authorizations, and other lawful bases required under applicable law (including, where applicable, specific consent for biometric data and performance data) for the data to be processed by Trust IQ in connection with the Trial in accordance with the DPA.

For avoidance of doubt, during the Trial, Client shall upload only the minimum Client Inputs necessary for evaluation of the Service. Unless Trust IQ expressly agrees in writing, Client shall not upload national identification numbers, passport numbers, full residential addresses, bank account numbers, payment-card data, raw identity documents, health data, criminal records, children's data, or other highly sensitive data not required for the Trial. Performance Data must be encrypted using unique customer or application identifiers wherever practicable.

3.1 No Production Workloads

Client shall not use the Trial for any production, customer-facing, or mission-critical workload. The Trial is provided for evaluation purposes only. Vision Score outputs generated during the Trial shall not be used in live credit, hiring, insurance, or other adverse-action decisions. For avoidance of doubt, Client shall use Trial outputs solely for internal evaluation, testing, and backtesting. Client shall not display, disclose, use, integrate, or otherwise rely on any Trial output in any live, customer-facing, automated, semi-automated, production, underwriting, eligibility, pricing, collections, fraud, employment, insurance, housing, benefits, or adverse-action decision.

3.2 Volume and Time Cap

Trial use is subject to volume and duration limits set by Trust IQ for each Client based on factors including Client's risk profile, use case, and operational considerations. Such limits are communicated to Clients through the Portal or in writing. Trust IQ may adjust these limits at its discretion at any time.

3.3 Image Quality and Source

Image Data uploaded during the Trial shall (a) have been collected by Client or on Client's behalf in the ordinary course of Client's business (and not scraped, harvested, or otherwise extracted from publicly accessible sources), and (b) meet any minimum technical requirements specified in the Portal (such as resolution and format).

4.1 Continuing Representations

Client represents, warrants, and covenants on a continuing basis that:

• Client has the lawful right, including all necessary consents, authorizations, permissions, and other legal bases required under applicable law, to collect, use, disclose, transfer to Trust IQ, and have Trust IQ process all Client Inputs and Client Personal Data;
• Client Inputs does not include personal data of children under the age of 18 (or such higher age threshold required by applicable law);
• Client Inputs does not include data the upload or processing of which would violate any applicable law, regulation, contract, court order, or third-party right;
• Client has provided each data subject whose personal data is included in Client Inputs with a clear, prominent, and legally sufficient privacy notice that accurately describes Trust IQ's processing as Client's data intermediary or processor, including, where required by applicable law, that the data subject's images, image metadata, application data, performance data, and derived or inferred attributes may be processed by Trust IQ and its sub-processors to generate Vision Scores, risk scores, analytics, model-performance metrics, and related outputs for Client's evaluation purposes, and information about the use of automated processing, profiling, and the categories of data inferred by the Service;
• in respect of Performance Data, Client has the lawful basis under all applicable laws to upload such data and has discharged any disclosure obligations to the relevant data subjects;
• Client acknowledges that the Service may derive inferences from Image Data that under some laws constitute special-category personal data (including without limitation inferred gender), and Client represents that Client has a lawful basis to process such inferred attributes;
• Client's collection and use of Vision Score outputs and other Service Outputs will comply with all applicable consumer, fair lending, anti-discrimination, equal opportunity, and consumer protection laws; and
• Client will not use the Service or any Vision Score output in a manner that violates any applicable law, these Terms, or the Acceptable Use Policy.

4.2 Indemnification by Client

Client shall defend, indemnify, and hold harmless Trust IQ, its affiliates, and their respective officers, directors, employees, and agents from and against any claim, action, demand, loss, damage, liability, fine, penalty, cost, or expense (including reasonable legal fees) arising out of or in connection with: (a) any breach by Client of Section 4.1 or the Acceptable Use Policy; (b) any claim by a data subject or third party arising from Client Inputs or Client's use of Vision Score outputs; (c) any regulatory action or fine against Trust IQ arising from Client's failure to comply with applicable data protection, AI, fair-lending, or consumer laws; or (d) any claim that Client's use of inferred or derived attributes constitutes unlawful discrimination.

5.1 How the Vision Score Is Generated

Vision Score is generated using statistical and machine-learning techniques that analyze submitted image data together with related information (if any) provided by the Client to produce a risk assessment support score. The specific features, weights, model architecture, and methodology constitute Trust IQ's confidential information and trade secrets. The Client is responsible for ensuring that the collection, processing, and sharing of data with Trust IQ comply with all applicable laws and regulations.

5.2 Nature of the Output

The Vision Score is an estimate of certain risk attributes derived from the foregoing inputs. The Vision Score is not a determination of any individual's character, creditworthiness, identity, employability, insurability, or any other status, and does not by itself constitute a decision under any law.

5.3 Human Review Required for Significant Decisions

Client shall not use the Vision Score as the sole or primary basis for any decision producing legal or similarly significant effects on a data subject (including denial of credit, employment, housing, insurance, or government benefits) without applying meaningful human review by a person with the authority and competence to override the Vision Score. Client shall provide each affected data subject with mechanisms to obtain human review, contest the outcome, and receive an explanation, as required by applicable law.

5.4 No Warranty of Accuracy

Trust IQ does not warrant that the Vision Score is accurate, complete, reliable, or fit for any particular purpose. Outputs are provided on an "as is" basis. Client is responsible for testing, validating, and monitoring the Vision Score in the context of Client's use case, target population, and applicable laws.

5.5 Bias, Fairness, and Disparate Impact

Client acknowledges that AI models, including the Vision Score model, may produce different outputs across population subgroups, and that features such as environmental context, device quality, and inferred demographic attributes may correlate with protected characteristics. Client is solely responsible for: (a) fairness, bias, and disparate-impact testing of the Vision Score in the context of Client's user population; (b) implementing mitigations as required by applicable law; and (c) ensuring that the Vision Score is not used as a proxy for, or in a manner that produces unlawful discrimination on the basis of, any protected characteristic (including race, ethnicity, religion, national origin, sex, age, disability, or other protected class under applicable law). Client shall not deploy, rely on, or represent the Vision Score as validated for any production population, regulated credit decision, or adverse-action workflow unless and until Client has completed its own model validation, fairness testing, legal review, consumer-disclosure review, and human-oversight design, and Trust IQ has expressly authorised production use in a Client Agreement.

5.6 Fine-Tuning and Client Models

Clients may request that Trust IQ fine-tune the Vision Score model using Client Inputs to produce a model adapted to the risk patterns in Client's portfolio (a "Client Model"). Trust IQ may, in its sole discretion, accept or decline any such request, in whole or in part, without obligation to provide reasons. Where Trust IQ accepts a request, fine-tuning will be performed subject to Trust IQ's then-current technical capabilities, operational priorities, and any additional terms communicated to Client. Trust IQ retains all right, title, and interest in and to each Client Model and its associated weights, methodologies, and architecture. Client's rights in respect of a Client Model are limited to receiving Vision Score outputs generated by the Client Model during the term of the Trial, in accordance with these Terms. Rights to use a Client Model in production will be set out in the Client Agreement.

6.1 DPA Governs

The processing of Client Personal Data through the Service is governed by the Vision Score Portal Data Processing Agreement (the "DPA"), which is accepted by Client together with these Terms at sign-up and forms an integral part of the agreement between the Parties. The DPA sets out the parties' roles (controller/processor), categories of data processed, processing purposes, sub-processors, security measures, cross-border transfer safeguards, data subject request handling, retention and deletion, and breach notification.

6.2 Account and Portal Data

For account registration data and Portal usage data of Authorized Users (collectively, "Portal User Data"), Trust IQ acts as a data controller and processes such data in accordance with the Privacy Policy.

6.3 Client Inputs — Processing on Instructions

Client's use of the Portal, together with these Terms and the DPA, constitutes Client's documented instructions for Trust IQ to process Client Inputs as needed to deliver the Service (including for the generation of Vision Scores, generation of backtest analytics, and fine-tuning of Client Models).

6.4 Sub-processors

Trust IQ may use third-party sub-processors to deliver the Service. A current list of sub-processors is available on the Trusting Social Joint Stock Company (located in Vietnam), Trust IQ Limited Liability Company (located in Vietnam), AWS (Amazon Web Services, Inc.), and Google Cloud (Google Asia Pacific Pte. Ltd.) servers located in Singapore. Trust IQ will provide reasonable prior notice of material changes to its sub-processor list.

6.5 Notification of Data Breaches

Trust IQ will notify Client without undue delay after becoming aware of a data breach affecting Client Personal Data processed by Trust IQ on behalf of Client, in accordance with the DPA. Client is responsible for assessing whether a breach is notifiable to any regulator or data subject, except to the extent applicable law imposes a direct notification obligation on Trust IQ.

6.6 Data Deletion or Anonymization

Unless otherwise required by law, security, audit, dispute-resolution, or compliance purposes, Trust IQ will delete or anonymise Client Personal Data within 30 days after expiry or termination of the Trial or closure of Client's account, in accordance with the DPA. Trust IQ may retain aggregated or anonymised information that does not identify Client, any Authorized User, or any data subject, provided Trust IQ does not attempt to re-identify such information.

7.1 Trust IQ IP

As between the Parties, Trust IQ retains all right, title, and interest in and to the Portal, the Service, the Vision Score model, all Client Models, all algorithms, architectures, methodologies, model weights and parameters, documentation, templates, user interfaces, software, workflows, know-how, and Aggregated Service Metrics.

7.2 Client Inputs

As between the Parties, Client retains all right, title, and interest in and to Client Inputs. Client grants Trust IQ a non-exclusive, worldwide, royalty-free licence to use Client Inputs and Client Personal Data solely as necessary to provide, operate, maintain, secure, support, troubleshoot, and improve the Service for Client during the Trial, to generate Service Outputs, to fine-tune Client Models where requested by Client, and to perform Trust IQ's obligations and exercise its rights under these Terms and the DPA.

7.3 Service Outputs and Aggregated Data

Subject to these Terms, Trust IQ grants Client a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to use Service Outputs solely for Client's internal Trial evaluation purposes and not for production use, customer-facing use, or any live decision affecting a natural person. Trust IQ may use Aggregated Service Metrics and information that has been anonymised such that it does not identify and cannot reasonably be used to identify Client, any Authorized User, or any data subject, for analytics, benchmarking, security, research, development, and service improvement. Trust IQ shall not attempt to re-identify anonymised information and shall not use identifiable Image Data for general-purpose model training except as expressly agreed in the DPA or a Client Agreement.

7.4 Feedback

If Client provides feedback, suggestions, or recommendations regarding the Service, Client grants Trust IQ a perpetual, irrevocable, royalty-free license to use such feedback for any purpose without obligation to Client.

8.1 Confidential Information

"Confidential Information" means any non-public information disclosed by one Party ("Discloser") to the other ("Recipient") that is identified as confidential or that, given the nature of the information or the circumstances of disclosure, a reasonable person would consider confidential. Trust IQ's Confidential Information includes the Service, the Vision Score model, Client Models, pricing, and performance benchmarks.

8.2 Obligations

Recipient shall: (a) use Confidential Information solely to perform its obligations and exercise its rights under these Terms; (b) protect Confidential Information using at least the same degree of care it uses to protect its own confidential information of similar importance, and in no event less than reasonable care; and (c) not disclose Confidential Information to any third party except to its personnel, advisors, and contractors who have a need to know and are bound by confidentiality obligations no less protective than these.

8.3 Exceptions

The confidentiality obligations do not apply to information that: (a) is or becomes generally known to the public other than through breach of these Terms; (b) was rightfully in Recipient's possession prior to disclosure without confidentiality obligations; (c) is independently developed by Recipient without reference to Discloser's Confidential Information; or (d) is required to be disclosed by law or court order, in which case Recipient shall, where legally permitted, give Discloser reasonable prior notice.

Client shall not, and shall not permit any Authorized User or any third party to:

• reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, training data, model weights, or underlying methodology of the Service, the Vision Score model, or any Client Model;
• use the Service, Service Outputs, or any Client Model to train, develop, or improve any product or service that competes with Trust IQ's offerings;
• circumvent or attempt to circumvent any access control, security feature, rate limit, or usage restriction of the Portal;
• probe, scan, or test the vulnerability of the Portal or any related Trust IQ system except under a separate written authorization from Trust IQ;
• introduce any virus, worm, malware, or other harmful code into the Portal;
• interfere with or disrupt the integrity or performance of the Portal or the data contained therein;
• submit Client Inputs that is unlawful, defamatory, obscene, infringing, harassing, or otherwise objectionable;
• use the Service to surveil, identify, or track any natural person other than as expressly authorized by the data subject and applicable law;
• use the Service in connection with mass identification, public-facing facial recognition, automated decision systems that lack meaningful human oversight, or any application that would cause significant adverse impact to a data subject;
• use the Service or any Service Output as the sole basis for any decision producing legal or similarly significant effects on a data subject, without the human review required by Section 5.3;
• use the Service or any Service Output in a manner that treats individuals less favorably on the basis of, or as a proxy for, any protected characteristic (race, ethnicity, religion, national origin, sex, age, disability, or other class protected under applicable law);
• use the Service for "social scoring" or any equivalent application that aggregates risk-scoring across non-credit contexts, or for any use prohibited under the EU AI Act or equivalent legislation;
• use the Service in any application classified as "prohibited" or "high-risk" under any applicable AI law without the additional safeguards required by that law and prior notification to Trust IQ;
• scrape, harvest, or otherwise extract Image Data or other personal data from publicly accessible sources and upload such data to the Portal;
• misrepresent the identity of any person whose data is uploaded;
• use the Service for any purpose prohibited by applicable export-control, sanctions, anti-bribery, or anti-money-laundering laws; or
• use the Service in any manner that violates these Terms, any applicable law, or any third-party right.

Trust IQ may, in addition to any other rights and remedies, immediately suspend or terminate Client's access to the Portal upon a suspected breach of this Section 9.

Use of the Portal during the Trial is free of charge unless otherwise agreed in writing. Use of paid features or production-scale use is subject to fees set out in the applicable Client Agreement.

Client is responsible for all taxes (other than taxes on Trust IQ's net income) arising in connection with Client's use of the Service.

11.1 Term

These Terms become effective when Client accepts them and continue until terminated.

11.2 Termination for Convenience

Either Party may terminate these Terms at any time by giving notice to the other Party. Client may close its Portal account at any time.

11.3 Termination or Suspension for Cause

Trust IQ may terminate these Terms or suspend Client's access to the Service immediately upon notice if: (a) Client breaches any of Sections 2, 4, 9, or 14; (b) Trust IQ reasonably determines that continued provision of the Service would expose Trust IQ to legal, regulatory, security, or reputational risk; or (c) Client becomes the subject of insolvency proceedings. In addition, upon Trust IQ's reasonable request, Client shall promptly provide information reasonably necessary to verify Client's compliance with Sections 3, 4, 5, 9, and 14, including sample privacy notices, consent language, data-source descriptions, and confirmation of data-subject residency. Trust IQ may suspend processing, reject uploads, delete Client Inputs, or terminate access if Client fails to provide satisfactory evidence or if Trust IQ reasonably believes Client Inputs was unlawfully collected, uploaded, or used.

11.4 Effect of Termination

Upon termination: (a) Client's right to access the Service ceases; (b) Trust IQ will delete or anonymize Client Inputs in accordance with the DPA; (c) Client's rights in respect of any Client Model cease; and (d) Sections 4.2, 6, 7, 8, 12, 13, 14, 16, and 17 survive.

Except as expressly provided in these Terms, the Portal, the Service, the Vision Score, and any Client Model are provided "as is" and "as available", without warranty of any kind. Trust IQ disclaims all warranties, express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted or error-free operation.

Without limiting the foregoing, Trust IQ does not warrant that: (a) the Vision Score will produce any particular outcome or level of accuracy; (b) the Service will meet Client's requirements; or (c) use of the Service will comply with any law applicable to Client's use case.

13.1 No Indirect Damages

To the fullest extent permitted by law, neither Party shall be liable to the other for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, business, goodwill, anticipated savings, or data, arising out of or in connection with these Terms, even if advised of the possibility of such damages.

13.2 Liability Cap

To the fullest extent permitted by law, Trust IQ's total cumulative liability arising out of or in connection with these Terms shall not exceed the fees paid by Client to Trust IQ under these Terms in the twelve (12) months immediately preceding the event giving rise to liability.

13.3 Exclusions from Cap

The limitations in Sections 13.1 and 13.2 do not apply to: (a) Client's indemnification obligations under Section 4.2; (b) Client's breach of Section 9 (Acceptable Use Policy); (c) either Party's breach of confidentiality under Section 8; (d) infringement of the other Party's intellectual property; (e) Client's payment obligations; or (f) liability that cannot be excluded or limited under applicable law.

13.4 Allocation of Risk

Client acknowledges that the limitations and disclaimers in these Terms are a fundamental basis of the bargain between the Parties and reflect the allocation of risk between the Parties, including the fact that the Trial may be provided at no charge.

13.5 Non-reliance

Client acknowledges that it has not relied on any representation, warranty, statement, assurance, or undertaking other than those expressly set out in the Portal Documents.

14.1 General

Client's use of the Service is subject to all laws applicable to Client's collection, use, and processing of Client Inputs, including (where relevant) personal data protection, biometric privacy, financial and credit, consumer protection, fair-lending, anti-discrimination, and AI laws of the jurisdictions in which Client operates and in which the data subjects whose data Client uploads reside. Client warrants that it has a lawful basis to upload Client Inputs and to use Service Outputs under each such applicable law.

14.2 Prohibited Jurisdictions

Client acknowledges and shall comply with the geographic restrictions in Section 2.3 and shall not access the Service from, or upload Client Inputs of residents of, any Prohibited Jurisdiction.

14.3 AI Regulation — Extraterritorial Reach

Client acknowledges that AI systems used for creditworthiness assessment may be subject to laws of jurisdictions other than where Client is established, under which such use is classified as a high-risk AI system. Where any such law applies, Client is the deployer (or equivalent) and is responsible for fulfilment of all applicable obligations, including human oversight, transparency, risk management, data governance, and post-market monitoring.

14.4 Fair Lending and Consumer Credit

Client is solely responsible for ensuring that any use of the Vision Score in connection with a credit, loan, insurance, employment, housing, or other adverse-action decision complies with all applicable fair-lending, consumer-credit, fair-housing, and anti-discrimination laws. Trust IQ provides the Service as a risk signal only; it does not provide credit advice, a fair-lending opinion, or adverse-action handling.

14.5 Sanctions and Export Control

Client represents that it will comply with all applicable sanctions and export-control laws and will not use the Service in any restricted jurisdiction or for any restricted end-use.

Trust IQ may modify these Terms from time to time. Material changes will be notified to Client through the Portal or by email, and will take effect not less than thirty (30) days after notice. Continued use of the Service after the effective date constitutes acceptance. If Client does not accept a modification, Client may terminate these Terms in accordance with Section 11.2.

The most current version of these Terms is available at https://visionscore.ai/terms-and-conditions.

16.1 Governing Law

These Terms, the Privacy Policy, the DPA, and any other Portal Document, together with any non-contractual obligation arising out of or in connection with them, are governed by, and shall be construed in accordance with, the laws of Singapore, without regard to its conflict-of-laws principles. The Parties acknowledge that the Singapore Electronic Transactions Act 2010 applies to the Client's acceptance of these Terms and the other Portal Documents at sign-up, and that such acceptance constitutes a legally binding and enforceable agreement under Singapore law. Client agrees that electronic records generated by or on behalf of Trust IQ in the ordinary operation of the Portal may be relied upon as evidence of Client's registration, acceptance of the Portal Documents, authority, account activity, instructions, and use of the Portal.

16.2 Arbitration

Any dispute, controversy, or claim arising out of or in connection with these Terms, the Privacy Policy, the DPA, or any other Portal Document, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of SIAC in force at the time of commencement, which rules are deemed incorporated by reference. The seat of the arbitration shall be Singapore. The Tribunal shall consist of one (1) arbitrator. The language of the arbitration shall be English.

16.3 Confidentiality of Arbitration

The Parties shall keep the existence and substance of any arbitration confidential.

16.4 No Class Actions

To the fullest extent permitted by law, Client agrees that any dispute will be brought on an individual basis and not as a class, representative, or collective action.

16.5 Injunctive Relief

Notwithstanding Section 16.2, either Party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights, Confidential Information, or to enforce the Acceptable Use Policy.

16.6 Mandatory Foreign Law

Where mandatory foreign data protection law applies to specific processing of Client Personal Data, the governing law and dispute resolution provisions of such mandatory foreign law apply to disputes arising directly under that law, to the extent inconsistent with this Section 16. Singapore law (Section 16.1) and SIAC arbitration (Section 16.2) continue to govern all other matters under the Portal Documents.

17.1 Entire Agreement

These Terms, together with the Privacy Policy, DPA, and any documents expressly incorporated by reference, constitute the entire agreement between the Parties regarding the subject matter and supersede all prior or contemporaneous understandings.

17.2 Severability

If any provision is held invalid or unenforceable, the remaining provisions remain in full force and effect.

17.3 No Waiver

A failure to enforce any provision is not a waiver of that provision or any other.

17.4 Assignment

Clients shall not assign or transfer any rights or obligations under these Terms without Trust IQ's prior written consent. Trust IQ may assign any rights or obligations under these Terms to an affiliate, or in connection with a merger, acquisition, reorganization, or sale of substantially all of its assets.

17.5 Notices

Notices to Trust IQ shall be sent to contact@trustingsocial.com. Notices to Client shall be sent to the email address registered in the Portal.

17.6 Force Majeure

Neither Party is liable for any delay or failure to perform caused by a force majeure event.

17.7 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between the Parties.

17.8 Third-Party Rights

No person other than the Parties has any rights under the Contracts (Rights of Third Parties) Act 2001 of Singapore to enforce any term of these Terms.

17.9 Language

These Terms are made in the English language. Any translation is provided for convenience only.

Trust IQ Pte. Ltd.

Registered office: #07-01 Suntec Tower 2, 9 Temasek Boulevard, Singapore 038989

General contact: contact@trustingsocial.com

Privacy contact: data-privacy@trustingsocial.com