Terms and Conditions

GENERAL INFORMATION

1. Welcome to Rampable

This Agreement. This is the contract between you, the “User”, and Hash Cube PTE LTD (“Rampable”, “us”, “we”, “our”), which defines the terms and conditions on which we provide our Services to you (“Agreement”). This Agreement refers to and incorporates by reference the following additional documents (“Additional Documents”), which also apply to your use of our Services:

Our Privacy Policy, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing, and you promise that all data provided by you is accurate.

1.2 By visiting our Website or using our Services (including downloading and using our Dashboard, or via the API, a social media platform or other authorised third party), you confirm that you accept and agree to this Agreement. If you do not agree, you must not use our Services.

1.3 In case of any discrepancies between what is stated in this Agreement and what is stated in the Additional Documents and Help Centre, what is stated in this Agreement shall prevail.

1.4 In order to receive some of our Services, you may be asked to agree to additional terms and conditions (including those referred to in section 1.1) which we will notify you about at the relevant time. For the avoidance of doubt, upon your use of any of our Services, you accept the last updated version of this Agreement.

1.5 Future changes to this Agreement. Subject to section 14, we will make changes to this Agreement from time-to-time. The revised Agreement will take effect as soon as it is posted on our website or on the date notified to you.

1.7 Where to get a copy of this Agreement. You can always see the most current version of this Agreement on our Website. If you want a copy of this Agreement, please contact Customer Support.

2. Glossary

In this Agreement:

API means the application programming interface provided by Rampable

API Partner means a business we have partnered with for Rampable to offer our Services through their website, mobile application or similar.

Authorized User means any person operating or accessing your Rampable Account on your behalf following the process in section 4.3.

Business Day means a day other than a Saturday, Sunday or a public holiday in Singapore when financial institutions in Singapore are open for business.

Exchange Rate has the meaning given in section 9.2.

Guaranteed Period has the meaning given in section 9.9.

Intellectual Property means rights in, and in relation to, any trademarks, logos, patents, registered designs, design rights, copyright and related rights, moral rights, databases, domain names, utility models, and including registrations and applications for, and renewals or extensions of, such rights, and similar or equivalent rights or forms of protection in any part of the world; rights in the nature of unfair competition rights and to sue for passing off and for past infringement; and trade secrets, confidentiality and other proprietary rights, including rights to know how and other technical information. Personal Account is the account that allows individuals to use our Services, including Money Transfer. Each individual can only have one personal account in their Rampable Account.

Services means all products, services, content, features, technologies or functions offered by us and all related websites, applications, and services (including the Website and via an API Partner).

Source Currency means the currency you use to fund your payment order.

Target Currency means the currency which your recipient will receive.

Third Party Materials has the meaning given in section 13.

Money Transfer means using your Rampable Account to, as part of a single transaction, fund, convert or disburse funds.

Rampable Account means your Personal Account and all Business Accounts that you have registered with Rampable under one email address.

Rampable Materials has the definition given in Section 11.1. Website means any Rampable webpage, including but not limited to https://rampable.co, where we provide the Services to you.

3. Who can use our Services

3.1 You must be 18 years or over. If you are an individual, you must be 18 years or older to use our Services and by creating an Rampable Account, you declare that you are 18 years or older and have the capacity to enter into a contract. We may ask you at any time to show proof of your age.

3.2 You must have authority to bind your business. If you are not an individual consumer, you confirm that you have authority to bind any business or entity on whose behalf you use our Services, and that business or entity accepts these terms. We may ask you at any time to provide proof of such authority. If you do not provide proof of authority that is acceptable to us, we may close or suspend your Business Account.

3.3 You can authorize others to operate your Rampable Account (“Authorized User”). You also acknowledge that if you authorize an Authorized User to access your Rampable Account, we’ll deal with such Authorized User, including any instruction they provide us, as if they were you for the purposes of this Agreement. You will be bound by anything done by any Authorized User, even if they do something that is outside the scope of the authority you gave them. You also acknowledge that we may disclose certain information about your Rampable Account to any Authorized User and that we are not responsible for your Authorized User’s use of any information in your Rampable Account. Granting permission to any Authorized User does not relieve you of your responsibilities under this Agreement, including notifying us if your Rampable Account has been compromised or if a transaction is suspected to be incorrect or unauthorized. 3.4 Disputes between you and an Authorized User relating to your Rampable Account is a private matter. You recognize that Rampable is not a party to any claim or dispute between you and your Authorized Users. Because you are bound by the actions of Authorized Users, it’s very important that you choose Authorized Users carefully. We suggest you regularly reassess who can be an Authorized User on your account and regularly log into your Rampable Account to assess and review the activity undertaken by Authorized Users.

Rampable Account

4. Creating a Rampable Account

4.1 Creating an Rampable Account. To start using our Services, you must create an Rampable Account and provide your details as prompted.

4.2 Information must be accurate. All information you provide to us must be complete, accurate and truthful at all times. You must update this information whenever it changes. We cannot be responsible for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.

4.3 Security and customer due diligence checks. We are required by law to carry out certain security and customer due diligence checks on you in order to provide any Services to you. In some circumstances, we might need to also perform checks on any parties involved in your transaction (for example, your recipient). You agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports. You authorize us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your Rampable Account with us or in the event of a dispute relating to this Agreement or activity under your Rampable Account. You agree we may disclose your name, residential address and date of birth to a credit reporting agency in order to obtain a credit report for these purposes.

4.4 Rampable reserves the right to close, suspend, or limit access to your Rampable Account or the Services in the event we are unable to obtain or verify your information.

4.5 Transacting on your own account. All activities under an Rampable Account shall be deemed as activities carried out by you. Unless you are an Authorized User, you agree to only use the Services to transact on your own account and not on behalf of any other person or entity. 4.6 Business Accounts can only use our services for business purposes. If you have a Business Account, you may only use our Services for business purposes and not personal purposes.

5. Keeping your Rampable Account Safe

5.1 When accessing your Rampable Account, you should at the minimum do the following: (a) Change your password regularly and ensure that it isn’t reused for other online accounts. (b) Contact Customer Support if anyone asks for your Rampable Account login details, including your password. (c) Always follow recommended password management practice. (d) Set up 2-step authentication where prompted by us. (e) Keep your email account secure. You may reset your Rampable Account password using your email address. Let Customer Support know immediately if your email address becomes compromised. (f) Update your device’s browser to the latest version available. (g) Maintain your device’s operating systems with regular security updates provided by the operating system provider. (h) Install and maintain the latest anti-virus software on the device, where applicable. 5.2 You must NOT: (a) Disclose your Rampable Account password or other credentials, and you must keep them safe. (b) Let anyone access your Rampable Account or watch you accessing it, including letting someone else take remote control of your device(s). (c) Use any functionality that allows your login details or password to be stored by the computer or browser you are using or to be cached or other Rampable recorded. (d) Do anything which may in any way avoid or compromise the 2-step authentication process.

5.3 Contact us if you suspect your Rampable Account has been compromised. If you suspect your Rampable Account or other security credentials are stolen, lost, used without your authorisation or other Rampable compromised, you must contact Customer Support immediately. You are also advised to change your pin. Any undue delays in notifying us may affect the security of your Rampable. Account and also result in you being responsible for losses. You must provide us with any reasonable assistance we require from you to investigate and take any action required to secure your account. 5.4 Additional Rampable products or services you use may have additional security requirements and you must familiarize yourself with those. 5.5 You are responsible for configuring your information technology, computer programmes and platform in order to access our Services. We cannot guarantee that our Services will be free from bugs or viruses.

5.6 You must not misuse our Services. You must not misuse our Services by introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful. You must not attempt to gain unauthorized access to our Website, our servers, computers or databases. You must not attack our Website with any type of denial of service attack. By breaching this provision, you may commit a criminal offense. We will report any such suspected breach to the relevant law enforcement authorities, and we will cooperate with those authorities, including by disclosing your identity to them. In the event of such a suspected breach, your right to use our Website and/or our Services will cease immediately.

5.7 Your use of our Services must not violate any applicable laws. You commit to us that your opening or use of an Rampable Account or our Services does not violate any laws applicable to you. You take responsibility for any consequences of your breach of this section.

6.Terminating your Rampable Account

6.1 You may terminate your Rampable Account at any time. You may terminate your Rampable Account, which will end your ability to use our Services at any time.

6.2 You must not terminate your Rampable Account to avoid an investigation. If you attempt to terminate your Rampable Account during an investigation, we may hold your money until the investigation is fully completed in order to protect our or a third party’s interest.

6.3 You are responsible for your Rampable Account after closure. You agree that you will continue to be responsible for all obligations related to your Rampable Account even after it is closed.

6.4 We may end this Agreement by giving you 30 days’ notice. We may end this Agreement and terminate your Rampable Account or any Service associated with it by giving you 30 days’ prior notice, where required.

6.5 We may suspend or Terminate your Rampable Account without notice in certain circumstances. We may at any time suspend your Rampable Account, during which time your Rampable Account remains open but is not able to be operated by you or may be subject to restrictions until we remove the suspension, or close your Rampable Account, which means your Rampable Account is deactivated and this Agreement ends, without notice. We may do this if:

(a) we suspect you have breached this Agreement or documents referred to in this Agreement;

we are requested or directed to do so by any competent court of law, government authority, public agency, or law enforcement agency;

(c) we have reason to believe you are in breach of any applicable law or regulation; or we have reason to believe you are involved in any fraudulent activity, money laundering, terrorism financing or other criminal or illegal activity.

6.6 We may suspend your Rampable Account for security reasons. We may suspend your Rampable Account or restrict its functionality if we have reasonable concerns about: (a) the security of your Rampable Account; or (b) suspected unauthorized or fraudulent use of your Rampable Account .

6.7 We will give you notice of suspension where possible. We will give you notice of any suspension or restriction and the reasons for such suspension or restriction as soon as we can, either before the suspension or restriction is put in place, or immediately after, unless notifying you would be unlawful or compromise our reasonable security measures.

7. How much will you pay

7.1 You must pay our fees. You must pay the fees in connection with the use of our Services. We will not process your transaction or provide any other Services to you until we have received the fees from you. Our fees do not include any fees that your bank or the recipient’s bank may charge.

7.2 Taxes. You are responsible for any taxes which may be applicable to payments you make , and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.

FUNDING AND CONVERTING MONEY

8. Funding transaction

8.1 How to fund transaction. To make a Money Transfer, you need to log in to your Rampable Account and follow the steps.

8.2 Funding Methods. You may be presented with one or more methods of funding transactions for example, bank transfer or wallet transfers (in this Agreement, we will call these methods “Funding Methods”). The number of Funding Methods made available to you will depend on a number of factors including where you live and your verification status with us. Funding Methods are not part of our Services, they are services provided by third parties for example, the card provider which issued you with your credit/debit card that you use to fund a transaction. We cannot guarantee the use of any particular funding Method and we may change or stop offering a Funding Method at any time without notice to you.

8.7 Funding transactions restrictions. No other payment methods are accepted other than those mentioned when you log-in to your Rampable Account. For legal, security, or other reasons, there may be financial limits for particular payment methods or currencies. Please visit our Help Centre for more information.

9. Currency Conversion 9.1 Our Services include the ability to convert currencies and tokens, for example as part of a Money Transfer.

9.2 Exchange rate. When we refer to an exchange rate in this Agreement, it means the exchange rate at the relevant time for the relevant currency or token pair (for example, USDC to IDR) that is offered by Rampable, which is typically provided by a reference rate provider. We may change our reference rate provider from time to time without notice to you.

9.3 For some currencies or tokens, we do not use the mid-market exchange rate, including where we are required by law to use a different reference rate for the exchange rate for your currency or token pair. For these currencies or tokens we will notify you of the exchange rate offered by Rampable when you initiate a Money Transfer.

9.4 Depending on the currency or token pair, you may have a choice of how we convert your chosen currency or token.

9.5 We may not process your currency or token conversion order until we have received the funds and fees specified. It is your responsibility to send us the money to fund a currency or token conversion order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider.

9.6 Refusing a currency or token conversion order. We reserve the right in our sole discretion to refuse any currency or token conversion order. Reasons for refusal may include but are not limited to incorrect information about the recipient, insufficient available funding, or where we believe you may have violated this Agreement, including we believe you are attempting to engage in currency trading or other trading for purposes not permitted by this Agreement. We will endeavor to notify you of any refusal, using the contact information in your Rampable Account, stating (where possible) the reasons for such refusal and explaining how to correct any errors. However, we will not notify you if such notification may be unlawful.

9.7 Confirmation of currency or token conversion order. Once we have received your currency or token conversion order, we will send you a confirmation by email that we have received the order. Each currency conversion order is given a unique transaction number which is shown in the transaction history on your Rampable Account . You should quote this transaction number when communicating with us about a particular currency conversion order.

MONEY TRANSFER

10. Sending money

10.1 Information you need to provide to set up a payment order. To set up a payment order via your Rampable Account, you may need to provide certain information to us, including, but not limited to, the full name of your recipient, your recipient’s bank account details or their Rampable account details and amount to be transferred.

10.2 Payment order limits. We may place limits on the amount you may send per transfer.

10.3 What happens after you have submitted your payment order? Once we have received your payment order, we will display it under the Transaction History section of your Rampable Account.

10.4 You need to provide us with sufficient funds before we can process your payment order by Funding transaction. We may only process your payment order if we hold or have received sufficient cleared funds following the process for Funding transaction in Section 8. If you send the relevant funds prior to setting up the currency or token conversion order, we will attempt to return them to you. It is your responsibility to fund your payment order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your or a third party’s bank or payment service provider.

10.6 Delay in transfer. We may delay processing a payment order in certain situations, including if we need to confirm that the withdrawal has been authorized by you, as a result of verification checks or due diligence reviews. We cannot be held responsible for any such delays.

10.7 Completion time of your payment order. The estimated completion time of your payment order is notified to you when you complete the setup of your payment order. You may also find further information about the completion time in the Help Centre section of our Website.

10.8 We will use reasonable efforts to ensure funds arrive at your recipient’s account within the notified timeframe. We will use reasonable efforts to ensure that the funds arrive in the recipient’s bank account or payment account within the timelines notified to you or other Rampable specified in our Help Centre. We do not have any control over the time it may take for the recipient’s bank or payment provider to credit and make available funds to the recipient.

10.9 Refusal of your payment order. If we are unable to complete your payment order, we will let you know and, if possible, the reasons for the refusal and an explanation of how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful.

10.10 You must ensure the information you provide to us is correct. You must make sure that the information you provide when setting up a payment order is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake.

10.11 Finality of Settlement and Payments. Payouts and the settlement of Transaction shall be final and irrevocable unless other Rampable provided in this Agreement or pursuant to applicable law.

10.12 What happens if you provide us with incorrect information? If you provide incorrect information with your payment order, we will use reasonable efforts to try and recover the funds for you and may need to charge you a fee in case we succeed.

INTELLECTUAL PROPERTY RIGHTS

11. Intellectual Property Rights

11.1 All right, title and interest in and to any software (including without limitation the App, the Rampable website, the API, developer tools, sample source code, and code libraries), data, materials, content and printed and electronic documentation (including any specifications and integration guides) developed, provided or made available by us or our affiliates to you, including content of the Rampable website, and any and all technology and any content created or derived from any of the foregoing (“Rampable Materials”) and our Services are the exclusive property of Rampable and its licensors. The Rampable Materials and Services are protected by intellectual property rights laws and treaties around the world. All such rights are reserved.

11.2 How you can use Rampable Materials. While you are using our Services, you may use the Rampable Materials only for your personal use and solely as necessary to enjoy our Services. Subject to your compliance with this Agreement and your payment of any applicable fees, Rampable grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or make personal use of the Rampable Materials and Services. Any use of the Rampable Materials and Services not specifically permitted under this Agreement is strictly prohibited. The licenses granted by Rampable terminate if you do not comply with this Agreement or any other service terms.

11.3 When you cannot use Rampable Materials. Unless you have received written permission from us, you may not, and may not attempt to, directly or indirectly: (a) use any of the Rampable Materials for any commercial purpose or other Rampable infringe our intellectual property rights; (b) transfer, sublicense, loan, sell, assign, lease, rent, distribute or grant rights in the Services or the Rampable Materials to any person or entity; (c) remove, obscure, or alter any notice of any of our trademarks, or other Intellectual Property appearing on or contained within the Services or on any Rampable Materials; (d) modify, copy, tamper with or other Rampable create derivative works of any software included in the Rampable Materials; or (e) reverse engineer, disassemble, or decompile the Rampable Materials or the Services or apply any other process or procedure to derive the source code of any software included in the Rampable Materials or as part of the Services. 11.4 Rampable Trademarks. A non-exhaustive list of Rampable Trademarks is enclosed below. “Rampable” and any other business and service names, logos, signs, graphics, page headers, button icons and/or scripts (each as might be amended from time to time) are all registered or unregistered trademarks or trade dress of Rampable or Rampable’s licensors in the relevant jurisdictions (“Rampable Trademarks”). You may not copy, imitate, modify or use Rampable Trademarks without our prior written consent. You may use HTML logos provided by us for the purpose of directing web traffic to the Services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes Rampable or the Rampable services or display them in any manner that implies Rampable’s sponsorship or endorsement. Further, you may not use Rampable Trademarks and trade dress in connection with any product or service that is not Rampable’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Rampable.

11.5 All other trademarks, registered trademarks, product names and company names or logos not owned by Rampable that appear in Rampable Materials or in the Services are or may be the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Rampable, and may not be used without permission of the applicable rights holder.

12. Third Party Materials

12.1 Certain Website or App functionality may provide you access to information, products, services and other materials by third parties (“Third Party Materials”) or allow for the routing or transmission of such Third Party Materials, including via links.

12.2 We neither control nor endorse, nor are we responsible for, any Third Party Materials, including the accuracy, validity, timeliness, completeness, reliability, integrity, quality, legality, usefulness or safety of Third Party Materials, or any intellectual property rights therein. Certain Third Party Materials may, among other things, be inaccurate, misleading or deceptive. Nothing in this Agreement shall be deemed to be a representation or warranty by us with respect to any Third Party Materials. We have no obligation to monitor Third Party Materials, and we may block or disable access to any Third Party Materials (in whole or part) through the Website or App at any time. In addition, the availability of any Third Party Materials through the Website or App does not imply our endorsement of, or our affiliation with, any provider of such Third Party Materials, nor does such availability create any legal relationship between you and any such provider.

12.3 Your use of Third Party Materials is at your own risk and is subject to any additional terms, conditions and policies applicable to such Third Party Materials (such as terms of service or privacy policies of the providers of such Third Party Materials).

OTHER LEGAL TERMS

13. Our responsibility for loss or damage

13.1 We are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during your account sign up process. 13.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation. 13.3 We are not liable for business losses. To the extent permissible by law, if you use our Services for any commercial or business purpose we will have no liability to you for any loss of profit, loss of business, business interruption, loss of business opportunity or similar. 13.4 We are not liable for technological attacks. We will not be liable for any loss or damage caused by a virus, or other technological attacks or harmful material that may infect your computer equipment, computer programmes, data or other proprietary material related to your use of our Services. 13.5 We have no control over websites linked to and from our Website. We assume no responsibility for such Third Party Materials or any loss or damage that may arise from your use of them.

13.6 Our liability to you for unauthorized payments or our mistake. In case of an unauthorized payment or mistake due to our error, we shall at your request refund the payment amount including all fees deducted by us. We may require proof that such payments were unauthorized. This shall not apply where we believe: (a) your Rampable Account, or its personalized security features, are lost, stolen or misappropriated. (b) you have acted fraudulently; (c) you do not quickly notify us of security issues on your Rampable Account (e.g., loss of your pin). You remain liable for losses incurred up to your notification to us; (d) the payment transaction was unauthorized but you have with intent or gross negligence compromised the security of your Rampable Account or failed to comply with your obligations to use your Rampable Account in the manner set out in this Agreement. In such a case you shall be solely liable for all losses; or (e) you don’t let us know about the unauthorized or incorrectly completed transaction 60 days from the date of the payment transaction. 13.7 We are not liable for things which are outside of our control. We (and our affiliates) cannot be liable for our inability to deliver or delay as a result of things which are outside our control. 13.8 You are liable for breaching this Agreement or applicable laws. In the event of loss, claims, costs or expenses (including reasonable legal fees) arising out of your breach of this Agreement, any applicable law or regulation and/or your, or any authorized third parties’, use of our Services, you agree to defend, compensate us and our affiliates and hold us harmless. This provision will continue after our relationship ends.

13.9 What happens if you owe us money? In the event you are liable for any amounts owed to us for whatever reason, we may also recover amounts you owe us through other collection avenues, including, without limitation, through the use of a debt collection agency. We may recover all reasonable costs or expenses (including reasonable attorneys' fees and expenses) incurred in connection with the enforcement of this Agreement.

13.10 Release. If you have a dispute with any other Rampable Account holder or a third party that you send money to or receive money from using the Services, you release Rampable from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections (whether statutory or other) that would other limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

13.11 Disclaimer of Warranty. The Services are provided “As-Is” “Where Is” and “Where Available” and without any representation or warranty, whether express, implied or statutory. Rampable specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. We disclaim all warranties with respect to the Services to the fullest extent permissible under applicable law, including the warranties of merchantability, fitness for a particular purpose, non-infringement and title.

13.12 Availability of Services. We will try to make sure our Services are available to you when you need them. However, we do not guarantee that our Services will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our Service without notice. We will not be liable to you if for any reason our Services are unavailable at any time or for any period.

13.13 You are responsible for making all arrangements necessary for you to have access to our Services. If you have granted permission to a third party to access your account, we may refuse access to that third party if we are concerned about unauthorized or fraudulent access by that third party. We will give you notice if we do this, either before or immediately after we refuse access, unless notifying you would be unlawful or compromise our reasonable security measures.

14. Our right to make changes

14.1 We may change this Agreement by giving you at least thirty (30) days’ prior written notice. This notice will be provided either by email or displaying a notice in the App or in our Webpage. If we do this, you can terminate this Agreement immediately by providing written notice to us during the notice period (see section 6). If we do not hear from you during the notice period, you will be considered as having accepted the proposed changes and they will apply to you from the effective date specified on the notice. 14.2 In some instances, we may change this Agreement immediately. Despite section 14.1, changes to this Agreement which do not require thirty (30) days’ notification and are (1) more favorable to you; (2) required by law; (3) related to the addition of a new service, extra functionality to the existing Service; or (4) changes which neither reduce your rights nor increase your responsibilities, will come into effect immediately if they are stated in the change notice. Changes to exchange rates shall come into effect immediately without notice and you shall not have the right to object to such a change.

15. Other important terms

15.1 Third Party rights. This Agreement is between you and us. Except as provided in section 6.4, no other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end or make any changes to this Agreement.

15.2 Assignment. You may not transfer, assign, mortgage, charge, subcontract, declare a trust over or deal in any other manner with any or all of your rights and obligations under this Agreement without our prior written consent. We reserve the right to transfer, assign or novate this Agreement or any right or obligation under this Agreement at any time without your consent. This does not affect your rights to close your Rampable Account under section 6.

15.3 Severability. Each of the paragraphs of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.

15.4 Enforcement. Even if we delay in enforcing this Agreement, we can still enforce it later. If we delay in asking you to do certain things or in taking action, it will not prevent us from taking steps against you at a later date.

15.5 Entire Agreement. This Agreement supersedes and extinguishes all previous agreements between you and Rampable, whether written or oral, relating to its subject matter.

15.6 Governing law. This Agreement is governed by Singaporean law. Any dispute between you and us in connection with the Services and/or this Agreement may be brought in the courts of Singapore, to the exclusion of all other venues.