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Terms and Conditions

Version date: 26 October 2026

Part A

General Terms of Service

Important Notice

These General Terms of Service (these "Terms") create a binding contract that governs the access to and use of Services and Platform. These Terms are divided into General Terms (which apply to all Services), and additional Regional Terms, which only apply based on the User Location.

IT IS YOUR RESPONSIBILITY TO ENSURE THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS AND ANY ACCOMPANYING RISKS AND OBLIGATIONS. BY USING SLEEK SERVICES, YOU AFFIRMATIVELY AND UNCONDITIONALLY ACCEPT AND AGREE TO THESE TERMS AND OUR PRIVACY POLICY.

The individual accepting these Terms represents and warrants that they have the legal capacity to do so. If the individual accepts these Terms on behalf of a company or other legal entity, such individual further represents and warrants that they have full authority to bind such entity (and its Affiliates, where applicable) to these Terms. If such individual does not have such authority, or does not agree to these Terms, neither such individual nor the relevant entity may access or use the Services.

These Terms take effect on the earliest of the date the User pays for any Service, creates an account on the Platform, accesses or uses any Service (the "Effective Date").

1. Definitions

1.1 In these Terms, capitalised terms have the meanings given to them below or, where not defined below, the meaning given where they first appear.

“Account” means the User's registered account on the Platform through which the User accesses and manages the Services;

"Affiliate" means any entity that directly or indirectly controls, is controlled by, or is under common control with the subject entity. "Control," for purposes of this definition, means direct or indirect ownership or control of more than 50% of the voting interests of the subject entity;

“Applicable Law” means all laws, statutes, regulations, rules, codes, orders, regulatory requirements and other legally binding requirements of any governmental, regulatory or statutory authority applicable to Sleek, the User, the Managed Entity, the relevant Service or transaction, in each case in the relevant User Location;

“Authorised Representative” has the meaning ascribed to it in Clause 4.2;

"Billing Period" means, for each Subscription, the billing cycle (e.g., monthly, annual) from its start date to its end date as specified on the Platform or invoice, which renews periodically in accordance with Clause 9;

"Deadline-Based Service" means a Service that requires preparation, submission or filing of specified documents or information by a prescribed statutory, regulatory or other mandatory deadline and that is delivered in respect of a specific Service FY or filing date;

"Fees" means all applicable fees and charges payable by the User to Sleek for the Services, including the subscription fees stated in the applicable Subscription and charges for additional usage based or ad hoc services provided from time to time, as further described in Clause 8;

“Lapsed Subscription” has the meaning ascribed to it in Clause 9.2;

“Loss” means all reasonable losses, costs, expenses, damages and liabilities (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal costs and all other reasonable professional costs and expenses) suffered by any person, whether or not foreseeable;

“Managed Entity” means any corporation, company, estate, trust, partnership, foundation, association, sole proprietorship or other person or body for whom or to which Services are provided;

"Prescribed Usage" means the usage limits applicable to the User's Subscription (including the number of shareholders, employees, expenses, revenue, entities, transactions or filings) as stated on the Platform;

"Regional Terms" means the additional terms and conditions that apply to the Services, depending on the User Location, as made available on the Website and incorporated into these Terms by reference;

“Renewal Date” means the date on which the current Billing Period for any Subscription ends and the Subscription is due for renewal;

"Platform" means Sleek’s cloud-based client dashboard or other systems available to the User to access, manage, and receive the Services and associated corporate documentation, as Sleek may change or update from time to time;

"Sleek" means the Sleek group entity identified as the contracting entity in the applicable Regional Terms;

"Services" means the business services provided by Sleek or its Affiliates, including, but not limited to, corporate secretarial, accounting, tax, payroll, governance, incorporation, compliance, administrative and related business services, as requested by the User and agreed to be provided by Sleek, as more particularly described in the applicable Regional Terms, but excluding any Third-Party Service.

"Service FY" means, in respect of a Subscription, the financial year to which that Subscription relates, as identified as the "Service FY" for that Subscription on the Platform;

"Sleek Appointees" means any individual, whether engaged by Sleek or its Affiliates as an employee or independent contractor, who is appointed at the User's request to act as nominee director, company secretary, representative or signatory for the User;

"Subscription" means one or more Services to which the User subscribes (including through an order form), and is displayed as line items in the User's account on the Platform, together with its applicable Billing Period, Service FY, Fees, delivery status and renewal terms. Subscriptions may be presented individually or grouped on the Platform.

"Third-Party Service" means a service, product, or promotion provided by a third party that utilises, integrates with, or is ancillary to the Services;

"User Inputs" means all instructions, information, documents, approvals, authorisations, access, signatures and cooperation provided, or required to be provided, by or on behalf of the User (including by an Authorised Representative) to Sleek in connection with, or for the purposes of, the Services;

"User Personal Data" means any personal information or data held by Sleek relating to: (a) any individual who accesses or uses the Services (including any Authorised Representative); and (b) in respect of any Managed Entity, any individual connected with it, including any person who owns or controls, or is a beneficial owner or beneficiary of, the Managed Entity, and its staff, business contacts, shareholders, directors, officers, and the family members of any of them;

"User Location" means the Sleek-serviced jurisdiction recorded in the User's account as on the Platform and accepted by Sleek. For a Managed Entity, this shall correspond to the jurisdiction of its registered address recorded on the Platform.

"you," "your," or "User" means:

(i) where these Terms are accepted by an individual on their own behalf, that individual; or

(ii) where these Terms are accepted by an individual on behalf of a Managed Entity (including an entity which will or has been incorporated using the Platform), such Managed Entity, together with any individual authorised, including its proprietor, partner, shareholder, director, officer, employee, who has been assigned unique user credentials by it to access or use the Platform or the Services.

"Website" means the official Sleek website designated for the User Location, including, where applicable, sleek.com/sg, sleek.com/hk, sleek.com/uk or sleek.com/au, together with any associated subdomains and any successor, replacement or alternative website or domain designated by Sleek from time to time.

1.2 Interpretation

Unless the context otherwise requires, in these Terms:

(a) a reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time;

(b) the singular includes the plural and vice versa;

(c) any words following the terms “including”, “include”, “in particular” or “for example” or any similar phrase shall be construed as illustrative and shall not limit the generality of the related general words; and

(d) references to a party or parties are to the parties to these Terms.

2. Services

2.1 The User may engage Sleek to perform Services on a standalone or integrated basis, displayed as the Subscription on the Platform, subject to and in accordance with these General Terms and the applicable Regional Terms.

2.2 The User acknowledges that:

(i) the scope of work for each Service is as set out in the Regional Terms corresponding to the User Location where the Service is delivered;

(ii) where a Service is not listed in the Regional Terms, or cannot lawfully be provided in that jurisdiction, the provisions of these Terms relating to such unavailable Service shall be of no force or effect with respect to the User; and

(iii) in the event of any conflict or inconsistency, the Subscription details confirmed on the Platform shall prevail, followed by the relevant invoice, then the applicable Regional Terms and then these General Terms.

2.3 Additional Services. In addition to the Services included in the User’s Subscription, Sleek may, at the User’s request and subject to availability, provide additional or ad hoc services. Such services may be subject to additional fees as specified in Clause 8 and other terms agreed between the parties. The User's request for, or acceptance, use or receipt of the benefit of, any Additional Service constitutes User's approval of that Additional Service and its agreement to pay the applicable Fees.

2.4 Sleek may require that, in order for the performance of the Services (including the services of acting as nominee director), the User shall enter into any supplemental agreements, order forms or carry out any acts required by Sleek or by law in order for Sleek to provide the Services. Sleek shall not be obliged to provide any of the Services if the User fails to enter into a supplemental agreement or carry out any acts required by Sleek or by law.

2.5 Expiration of a Subscription

2.5.1 Upon expiry of Billing Period or in case of a Lapsed Subscription:

(a) Deadline-Based Service. If completion of any Deadline-Based Service remains outstanding at the end of its Billing Period, Sleek shall remain obligated to complete such outstanding deliverable, subject to the following:

(i) Sleek may request the User Inputs reasonably required for performance of a pending Deadline-Based Service. The User must provide complete and accurate User Inputs within fifteen (15) business days of Sleek’s request, or within such a shorter period as Sleek may reasonably specify where necessary to meet an applicable statutory deadline.

(ii) If the User fails to provide requested User Inputs within the timeframe specified in Clause 2.5.1(a)(i), Sleek is not obligated to perform the Deadline-Based Service and incurs no liability (including regulatory non-compliance, fines, fees, or taxes) for resulting delays. If Sleek elects, in its sole discretion, to proceed using the User Inputs available to it, the resulting deliverable will be subject to Clause 4.7 (Deemed Approval);

(iii) If Sleek is required to complete any Deadline-Based Service under Clause 2.5.1(a) but fails to do so, the User's sole remedy is completion of the Service or, at Sleek's election, a refund of the Fees paid for that Service in accordance with Clause 10 (Refunds).

(b) All other Services, not being Deadline-Based Service, shall at the sole discretion of Sleek, cease at the end of their respective Billing Period, and Sleek may resign, or procure the resignation of, any Sleek Appointee (including any nominee director or company secretary) and take such steps with the relevant registry as are permitted by Applicable Law, in accordance with Clause 18 (Effect of Termination).

2.6 These Terms commence on the Effective Date and continue until terminated by either Party in accordance with Clause 17. For the avoidance of doubt, the expiration, completion, or non-renewal of any individual Subscription shall not, of itself, terminate these Terms.

3. Registration and Client Onboarding

3.1 Access to the Services and the Platform is strictly for registered Users and their Authorised Representatives. A User shall not allow any unauthorised third party to access the Services under its Account.

3.2 If Sleek detects or reasonably suspects that the Services are being accessed or used by any individual who is not a registered User or Authorised Representative of the company, Sleek reserves the right to suspend or terminate the User's access to the Services; charge additional fees for each unregistered or unauthorised user at Sleek's sole discretion; and take legal or other necessary actions to enforce compliance.

3.3 A User registering on the Platform has access to the Platform through the combination of a username and a password. The combination of username and password is strictly private and shall be kept confidential by the User.

3.4 Sleek is under no obligation to commence, and will not commence, the provision of any Services until the User has satisfied all onboarding, verification and customer due diligence requirements in accordance with Clause 6 (Compliance and Customer Due Diligence). The commencement and continued provision of the Services remain subject to Clause 6 at all times.

3.5 Where the provision of any Service requires the User to provide historical, financial, accounting, statutory or other records relating to periods prior to onboarding (including in the case of a User transferring from another service provider), the User shall provide complete and accurate records for all such periods reasonably required by Sleek. If the User is unable or fails to provide such records to Sleek's reasonable satisfaction, Sleek may decline to onboard the User, decline to commence or continue the affected Service, or limit the Service to periods for which adequate records are available, in each case without liability to the User; and any Fees paid in respect of a Service that cannot proceed for this reason shall be dealt with in accordance with Clause 10 (Refunds).

3.6 Sleek reserves the right to audit and verify the User's usage of the Services to ensure compliance with these Terms. This may include reviewing account access logs, user activities, and company records. If Sleek reasonably determines that You have exceeded the permitted number of users or violated usage restrictions, Sleek may request immediate corrective actions, including the registration of additional users; charge additional fees for excessive or unauthorised usage; and suspend or terminate access if corrective actions are not taken within a reasonable timeframe.

3.7 In order to use the Platform and the Services, the User must provide all information and documents requested by Sleek (including any User Personal Data). The User undertakes and warrants that the User Personal Data provided to Sleek shall at all material times be accurate, up-to-date and complete.

3.8 In case of any change in the User Personal Data following registration the User shall be responsible to update this information without delay. Sleek shall not in any way be held responsible or liable in the event that the User fails to update the User Personal Data or fails to notify Sleek of any change of User Personal Data.

4. User Instructions

4.1 User or its duly Authorised Representatives may instruct Sleek in relation to the Services in writing. Any instructions provided to Sleek must be sent to such address, phone, or email address as Sleek may specify from time to time. Sleek will not act on instructions sent by any messaging services or applications, other than Platform or formal email.

4.2 Authorised Representatives

(a) The User is responsible for designating and maintaining the individuals authorised to access the Services, give instructions on its behalf and to legally bind the User (each an "Authorised Representative") and for keeping their details current on the Platform.

(b) Sleek may rely on, and act upon, any User Inputs given by an Authorised Representative, and is under no obligation to verify the authority of any person appearing to be authorised, save where Sleek has notice of an Authority Dispute.

(c) Sleek is not obliged to accept User Inputs, or disclose information to, any person who is not an Authorised Representative, including any shareholder, director or officer who has not been designated as such, and may decline to act pending verification of authority.

(d) The User shall notify Sleek promptly of any change to its Authorised Representatives; any such change takes effect only once Sleek has received and processed the notification.

4.3 Authority disputes. If Sleek receives conflicting User Inputs, or becomes aware of any dispute between directors, shareholders or Authorised Representatives as to who may instruct Sleek on the User’s behalf (an “Authority Dispute”), Sleek may, without liability:

(a) decline to act on any User Inputs, including those of any Authorised Representative, and suspend the affected Services and Platform access for any or all individuals;

(b) decline to process any change to Authorised Representatives, officers, shareholders or Platform access while the Authority Dispute continues;

(c) correspond with all directors and shareholders of the Managed Entity on Sleek’s records, and disclose to them such information as Sleek reasonably considers necessary in relation to the Authority Dispute, and any such correspondence shall constitute notice to the User; and

(d) resume acting only on receipt of (A) a written instruction or settlement agreement signed by all parties to the Authority Dispute, or (B) an order of a court of competent jurisdiction. A board or shareholder resolution whose validity is disputed by any director or shareholder shall not be sufficient.

If the Authority Dispute is not resolved to Sleek’s reasonable satisfaction within thirty (30) days of suspension, Sleek may terminate the affected Services or these Terms on written notice. Further, the User agrees that the User shall bear, and indemnify Sleek and Sleek Appointees against, all costs (including legal fees) and Losses incurred in connection with any Authority Dispute, including in responding to correspondence, claims or proceedings brought by any party to it.

4.4 Sleek shall use reasonable endeavours to act on the User's Inputs within a reasonable time. Unless otherwise agreed in writing, Sleek does not warrant that any User Inputs will be acted upon immediately, within the same day, or by any particular deadline. Sleek shall not be liable for any Loss arising solely from the time taken to process or act upon any instruction.

4.5 Sleek may, at its sole discretion, refuse to act on any User Inputs, or take such action as it reasonably considers necessary to prevent or mitigate any actual or potential risk, where Sleek reasonably believes that the requested action:

(a) would breach, or may cause Sleek or Sleek Appointees to breach, any Applicable Laws or their professional obligation;

(b) may expose Sleek or any of Sleek Appointees to actual or potential liability, Loss or regulatory action, unless the User has provided such indemnity or security as Sleek reasonably requires; or

(c) may materially prejudice the reputation, goodwill or legitimate business interests of Sleek.

4.6 Sleek shall not be liable for any Loss arising out of or in connection with:

(a) any failure or delay in acting on any User Inputs that is not in writing (where written instructions are required), or that Sleek reasonably considers to be unclear, incomplete, ambiguous, contradictory or erroneous;

(b) the non-receipt, delayed receipt or corruption of any instruction or communication;

(c) Sleek acting on User Inputs that it reasonably believes have been given by an Authorised Representative on behalf of the User, or refusing to act where Sleek reasonably doubts such person's authority; or

(d) any act or omission by Sleek in accordance with these Terms or as otherwise permitted or required by Applicable Law.

(e) suspension or termination on account of inconsistent or conflicting instructions,including any resulting late filing fee, statutory penalty or regulatory action, including strike-off.

4.7 Deemed approval of filings and documents. Where Sleek provides any document, return or regulatory filing to the User for review, the User shall review and approve or reject it within fifteen (15) business days of receipt, or such shorter period as Sleek reasonably specifies to meet an applicable statutory or regulatory deadline. If the User does not respond within the applicable period, Sleek may, at its discretion, treat the document or filing as approved and may proceed using the User Inputs then available to it. Where Sleek does so, the User shall be deemed to have approved the document or filing and shall bear any Losses arising from the User’s failure to respond or from Sleek’s reasonable reliance on such deemed approval, except to the extent caused by Sleek’s wilful misconduct or breach of these Terms. Sleek is not obliged to treat any document or filing as approved or to proceed with any filing where required User Inputs remain outstanding and any filing under this clause remains entirely discretionary.

4.8 Where the User is a Managed Entity, Sleek’s obligations under these Terms are owed to the Managed Entity alone and not to any director, shareholder, Authorised Representative or other individual, regardless of who gives instructions, uses the Platform or pays the Fees. Sleek does not determine disputes between such persons, and is not obliged to act on any request from a person who is not an Authorised Representative of the User.

5. User Representations, Warranties and Undertakings

5.1 Accuracy of information. The User shall be solely responsible for ensuring all User Inputs and User Personal Data provided to Sleek are complete, accurate, and not misleading in any material respect and in compliance with Applicable Laws. User undertakes that no User Inputs given to or requests made of Sleek will involve any unlawful act or contain any false, inaccurate, or misleading information.

5.2 Response timelines. The User acknowledges that timely provision of all User Inputs reasonably requested by Sleek is necessary for the proper performance of the Services and shall provide such User Inputs promptly. Unless otherwise agreed in writing or where a shorter period is reasonably required to comply with Applicable Law, the User shall respond to any request from Sleek within fifteen (15) business days. User further agrees that in the event User fails to provide the requested User Inputs within the required timeframe, Sleek may, without liability: (a) suspend or delay the affected Services until the relevant User Inputs are received; (b) extend any agreed timelines, milestone or delivery date as reasonably necessary; and (c) charge the User for any additional work, costs or expenses reasonably incurred as a result of such delay.

5.3 Lawful and Acceptable Use. The User represents, warrants, and agrees to use the Platform and Services strictly for lawful purposes in compliance with Applicable Law. The User shall not use the Platform or Services, directly or indirectly, for any fraudulent or criminal activity, including money laundering, terrorist financing, bribery, corruption, sanctions evasion, or tax evasion, nor store, transmit, or process malicious or infringing content, or attempt to damage, disable, impair, or circumvent the security or controls of the Platform.

5.4 Responsibility for compliance. The User is solely responsible for tracking, determining, and acting upon all applicable tax, reporting, licensing, registration, statutory compliances or other regulatory frameworks affecting the User's business. Sleek’s role is strictly limited to the execution of the specific administrative corporate services selected in the User’s Subscription. Sleek assumes no duty, obligation, or liability to monitor, track, calculate, or notify the User of any business metrics, financial milestones, compliance thresholds or regulatory obligation or deadline. Where Sleek is obliged to meet User requirements or legal obligations, User authorises Sleek to take steps it reasonably deems necessary to comply, including obtaining professional advice at the User's expense, provided that Sleek shall notify the User before incurring any material cost where reasonably practicable.

5.5 Confirmation of applicable Service period. When engaging or instructing any Service, the User shall confirm in its instructions the financial year, statutory period or filing to which that Service relates, and shall provide any information Sleek reasonably requires to identify it. To the extent the User provides such information, Sleek may record and display it against the relevant Subscription on the Platform (identifying the Service and the period, financial year or filing deadline to which the Fees relate) and may rely on it in performing the Service. Sleek shall not be responsible or liable for any consequence arising from the User's failure to confirm, or its confirmation of an incorrect, applicable period.

5.6 Payment method authority. The User is solely responsible for all payment methods (including credit cards, debit cards, and bank account details) added to or associated with its Account. The User warrants that any payment method added is lawfully owned or expressly authorised for use by the User, and that any individual adding a payment method has full authority to do so. Sleek is under no obligation to verify the identity, authority, ownership, or consent of any cardholder, account holder, or individual (including any employee, director, officer, or third party) who inputs or saves a payment method on the Platform.

5.7 Conduct towards Sleek personnel. The User shall not, and shall procure that its representatives do not, engage in any abusive, threatening, harassing or discriminatory conduct towards Sleek's personnel or Sleek Appointees. Sleek may suspend the Services in accordance with Clause 7.6 and, where such conduct is serious or persists, terminate the Services, in each case without liability, where this clause is breached.

5.8 Notification obligations. The User shall promptly notify Sleek in writing of: (a) any change in its directors, shareholders, beneficial owners, Authorised Representatives or contact details; (b) any insolvency, winding-up, receivership or analogous event affecting the User; (c) any criminal, regulatory or enforcement investigation involving the User or any of its officers; and (d) any dispute affecting authority to instruct Sleek.

5.9 Third-party personal data. Where the User provides Sleek with personal data of any individual other than itself (including directors, shareholders, beneficial owners, employees or their family members), the User warrants that it is authorised to do so and has a lawful basis (including any necessary consent) for Sleek to process that data for the purposes of the Services and the Privacy Policy, and shall indemnify Sleek against any claim arising from a breach of this warranty.

5.10 Non-solicitation of personnel. During the term and for twelve (12) months afterwards, the User shall not, without Sleek's prior written consent, solicit for employment or engagement any Sleek personnel or Sleek Appointee involved in providing the Services.

5.11 Use of Sleek's address and personnel. The User shall use any address or facility Sleek provides only for the permitted purpose (and not as a trading address unless expressly agreed), and shall not hold out any Sleek Appointee as having authority beyond the scope of the Services, nor use the name or details of any Sleek personnel or Sleek Appointee except as necessary to receive the Services.

6. Compliance and Customer Due Diligence

6.1 As a regulated provider of corporate and business services, Sleek must comply with applicable anti-money laundering, counter-terrorism financing, sanctions and other financial crime laws and regulations ("Compliance Laws"). Accordingly, Sleek may conduct such compliance checks as it reasonably requires before, and during, the provision of the Services.

6.2 The commencement and continuation of Services are conditional upon the User successfully completing all know your customer (KYC), know your business (KYB), customer due diligence (CDD), sanctions screening and other compliance checks required by Sleek. The User shall promptly provide all User Inputs reasonably requested and ensure they remain complete, accurate and up to date.

6.3 The User represents and warrants that neither it, nor any of its beneficial owners, directors, officers or Authorised Representatives, is engaged in any unlawful or fraudulent activity and will not use the Services in breach of any Compliance Laws.

6.4 Sleek may conduct periodic compliance reviews and require updated information or documentation at any time.

6.5 Where any requirement in this Clause 6 is not met, or Sleek reasonably considers that providing the Services may expose it to legal, regulatory or reputational risk or breach any Compliance Laws, Sleek may, without liability: (a) decline to commence or provide the Services; (b) suspend the Services in accordance with Clause 7.6; and/or (c) terminate the Services under Clause 17. To the extent permitted by law, Sleek has no obligation to disclose the reasons for its decision.

6.6 The applicable Compliance Laws and jurisdiction-specific requirements are set out in the relevant Regional Terms.

7. Use and Suspension of Services

7.1 Subject to Clause 7.6 and to Sleek's obligations under Clause 7.2, Sleek may suspend or temporarily discontinue any Service where reasonably necessary, and shall give the User such notice as is reasonably practicable in the circumstances.

7.2 Sleek will use reasonable efforts to keep the Services available but they may be interrupted for maintenance, repairs, upgrades, or network/equipment failures.

7.3 Operation of the Services may be affected by external/force majeure events (epidemics, strike, blockade, war, terrorism, riot, natural disaster, power failure, etc.).

7.4 Sleek is not responsible or liable for any act, omission, delay, rejection, system outage, or policy change of any government authority, regulator, registry, financial institution, or other third party involved in the provision of the Services.

7.5 Sleek is not liable for any delay or failure to perform caused by You, a third party connected with You, the events in Clauses 7.3 and 7.4, or any other event beyond Sleek's reasonable control.

7.6 Suspension

(a) Sleek may suspend the provision of all or part of the Services, and/or the User's access to the Platform, immediately and without liability where:

(i) any KYC, KYB, CDD, sanctions or other compliance requirement is outstanding or, in Sleek's reasonable opinion, a compliance, legal, regulatory or reputational risk is identified pursuant to Clause 6.5;

(ii) Sleek receives conflicting or inconsistent instructions pursuant to Clause 4.3;

(iii) any Fees are overdue;

(iv) the User is in breach of these Terms; or

(v) required by Applicable Law or any regulator, registry or authority;

(b) Where the Services are suspended under this clause, the applicable Billing Period and Fees continue to run, and no refund or credit will be given for the period of suspension.

(c) Where required or permitted by Applicable Law, Sleek may make a report or disclosure to any relevant authority in connection with the Services, and is not obliged to notify the User of, and may be prohibited by law from notifying the User of, any such report or disclosure.

(d) Suspension is without prejudice to Sleek's right to terminate under Clause 17.

8. Fees and Payment

8.1 The User shall pay the Fees for any Service within seven (7) days of the date of Sleek’s invoice (the “Due Date”). Subscription renewals and associated payment obligations shall be governed by Clause 9.

8.2 Unless a fixed fee is agreed in writing, Additional Services are charged at Sleek's then-current rates, taking into account the nature, complexity and urgency of the Additional Services. Sleek will notify the User of the fee or basis of charge where reasonably practicable. Sleek will separately invoice Additional Services, and the User shall pay each invoice within Due Date or, where the User holds an SBA, by deduction under Clauses 8.3 and 8.13. Fees for Additional Services duly performed are non-refundable, except as otherwise required by Applicable Law.

8.3 Payment Methods. The Fees shall be paid by one or more of the following methods:

(a) automatic deduction from the User's Sleek Business Account balance (as defined in Clause 8.13, the "SBA"), where the User holds an SBA with Sleek;

(b) through a secure payment process incorporated into our Platform, which can be securely paid by credit card, debit card or bank wire; or

(c) by electronic invoice.

8.4 Where the User holds an SBA, the User authorises Sleek to automatically deduct Fees from the User's SBA balance on the Due Date (or as soon as practicable thereafter). If the SBA balance is insufficient to cover the Fees in full, Sleek shall be entitled to deduct the shortfall from the User's registered credit or debit card (the "Card Payment Method").

8.5 The User shall maintain at least one current, valid credit or debit card registered with Sleek's secure payment partners at all times. For the purposes of these Terms, "Payment Method" means, as applicable, the User's SBA balance and/or the Card Payment Method.

8.6 The User acknowledges and agrees that completion of the online payment process does not constitute Sleek's acceptance of a User's offer to purchase the Services. Consistent with Sleek’s rights under Clause 3 (Registration and Client Onboarding) and Clause 6 (Compliance and Customer Due Diligence), Sleek expressly reserves the right, in its absolute discretion, to reject any User, decline an order, and refuse to commence Services, notwithstanding the receipt of payment if the User fails to satisfy regulatory compliance checks in accordance with Clause 6.5.

8.7 In the event Sleek rejects an order or declines to commence Services under Clause 8.6, Sleek’s sole liability and obligation shall be to refund any pre-paid Fees in full to the original Payment Method, provided no Services have yet been utilised or commenced.

8.8 During the online payment process, the User shall be required to enter their payment details, which are disclosed directly to an independent third-party payments processor. The User authorises Sleek to collect any Fees due to Sleek in accordance with Clause 8.3.

8.9 Payment Methods are the User's sole responsibility under Clause 5.6. Sleek may charge any Payment Method for Fees due and payable, without further enquiry and without liability. If a chargeback or payment dispute is raised, the User remains liable for the underlying Fees and Sleek's reasonable costs. Any payment reversed, declined or not received becomes a debt immediately due and payable.

8.10 All payments are processed by an independent third-party payment processor. Sleek excludes all liability for any Loss or damage that might arise from the processing of User's payment information, and the terms of service of that independent third-party payment processor shall apply.

8.11 All Fees for Services are exclusive of GST or VAT, sales tax, withholding tax or any other taxes that may be applicable / levied in connection with the Services in the contracting jurisdiction (please refer to the Regional Terms), unless otherwise stipulated in an official invoice issued by Sleek.

8.12 If the User has exceeded or will exceed the Prescribed Usage of the Subscription, Sleek may at any time, even following expiry of Billing Period, inform the User that the said Subscription will automatically be upgraded to a new Subscription ("New Subscription"). In the event of such upgrade, the fees payable for the New Subscription will be revised accordingly. The User's continued use and acceptance of the Services will be deemed to constitute acceptance of the upgrade and the fees applicable to the New Subscription. Further, the User authorises Sleek to charge the User via its Payment Method for the fees applicable to the New Subscription.

8.13 Sleek Business Account deduction authority. Where the User holds an SBA, the User authorises Sleek to deduct any Fees, charges or other amounts due and payable (including subscription, renewal and invoiced amounts, administrative charges and statutory filing fees) from the User's SBA balance, and shall give the User reasonable notice of any such deduction. This authority remains in force for so long as the User holds an SBA and any amounts remain outstanding. (Applies only where an SBA is offered, for more details please refer to the Singapore Regional Terms.)

8.14 No set-off. All Fees and other amounts due to Sleek are payable in full without any set-off, counterclaim, deduction or withholding, except as required by law. The User shall not withhold, delay or reduce any payment on account of any dispute, claim or alleged non-performance in relation to the Services; any such dispute shall be raised in accordance with Clause 8.15 and pursued without prejudice to the User's obligation to pay.

8.15 Invoice queries. If the User wishes to query or dispute any invoice, it must notify Sleek in writing, with reasonable details, within fourteen (14) days of the invoice date. If no such notice is received within that period, the invoice shall be deemed accepted by, and final and binding on, the User, save for manifest error. Raising a query does not relieve the User of its obligation to pay undisputed amounts by the Due Date.

8.16 Any overdue amount, including Fees for Additional Services or renewal Fees payable under Clauses 8.2 and 9.1, respectively, may, at Sleek’s discretion, accrue a late payment charge at a rate determined by Sleek from time to time, acting reasonably and in accordance with Applicable Law, from the relevant due date until payment in full. Government, statutory and third-party charges are payable in addition to the Fees.

9. Renewal

9.1 Auto Renewal. Sleek shall provide notice of upcoming renewals and any Fee revisions at least forty-five (45) days prior to Renewal Date. Unless the User cancels at least thirty (30) days prior to the Renewal Date ("Renewal Payment Date"), the Subscription automatically renews, and the User authorises Sleek to collect the renewal Fees on the Renewal Payment Date via SBA balance (where applicable) or charging the Payment Method on file pursuant to Clause 8.3.

9.2 Lapsed Subscriptions and Non-Payment. If renewal Fees remain unpaid after Renewal Date, the Service shall be classified as a "Lapsed Subscription" for a period up to ninety (90) days. Sleek may use reasonable endeavours to contact the User during this period regarding renewal and payment, and may, at its discretion, continue providing certain regulatory or other Services during that period. Any such continued Services do not constitute renewal of the Subscription and do not waive Sleek’s right to collect the outstanding Fees. If still unpaid after ninety (90) days post-Renewal Date, the Service shall automatically terminate without further notice. Sleek disclaims all liability for any consequences of a Lapsed Subscription or termination, including missed statutory filings, late penalties, or company strike-off.

9.3 Renewal Pricing. The notified revised Fees will apply from the start of that renewed Billing Period. If the User does not agree to the revised Fees, it may cancel the Subscription in accordance with Clause 9.1 before the renewal takes effect; continued use of the Services after the Renewal Date constitutes full acceptance of the revised Fees.

10. Refunds

10.1 General Policy. Except as expressly provided in these Terms or required by Applicable Law, all prepayments of Fees for Services are strictly non-refundable. Refunds or Sleek Credits may only be granted in accordance with this Clause 10 or as provided under Clause 17 (Termination). All refunds and Sleek Credits are calculated based on the actual net Fees paid by the User (after applying any discounts, promotional codes, or credits used).

10.2 No refunds, credits, or offsets shall be provided for partial use, unused portions of a Subscription, or early termination, except as explicitly permitted under these Terms. Sleek may, in its sole discretion, issue eligible pro-rata balances as non-cash store credits ("Sleek Credits"). Sleek Credits: (i) may be applied solely against future purchases of Sleek Services by the contracting client entity; (ii) are non-refundable, non-redeemable for cash, and expire three (3) years from the date of issuance unless otherwise agreed in writing; and (iii) are non-transferable, except that Sleek may, upon request and at its sole discretion, permit the transfer of Sleek Credits to an Affiliate of the User sharing common administrative ownership or issue an equivalent single-use promotional coupon code.

10.3 Thirty-Day Money-Back Guarantee

(a) Subject to the limitations set out in this Clause 10.3, a User may request a full refund of the Fees paid for their first Subscription or eligible standalone Services within thirty (30) calendar days from the initial purchase date. To be valid, a refund request must be submitted within this 30-day window either by processing a cancellation request directly through the Platform or by submitting a formal written request to Sleek’s customer support team.

(b) The Guarantee does not apply to, and no refund will be given for: (i) Fees for Services already performed or commenced at the User's request; (ii) third-party, statutory, government, registry or filing fees and disbursements already paid or incurred by Sleek on behalf of User; (iii) recurring compliance services (including nominee director and registered office services), once set-up and registration are complete; (iv) Third-party software licence costs (including accounting software subscriptions) disbursed or committed by Sleek; and (v) any specific Services or product packages expressly designated on the Website, Pricing Page, or Platform as non-refundable or excluded from this Guarantee.

(c) A refund under this Clause is made to the original Payment Method in accordance with Clause 10.1 and, once made, terminates the relevant Services.

(d) The 30-day guarantee is restricted to initial Client onboarding. An existing User adding or subscribing to new Services does not qualify for the 30-day Money-Back Guarantee on any subsequent Services.

10.4 Auto-Renewal Refunds. (a) To receive a cash refund of auto-renewed Subscription Fees paid in accordance with Clause 9.1, the User must submit a written cancellation or refund request prior to the start of the renewed Billing Period. (b) If a refund request for an auto-renewed Subscription is received on or after the start date of the renewed Billing Period, the User shall not be entitled to a cash refund, and any eligible unearned Fees shall be issued solely as Sleek Credits.

10.5 Sleek-Initiated Termination Refunds. If Sleek terminates a Service or offboards a User for its own administrative convenience (other than termination due to User default, non-payment, or material breach), or in the event of a verified Service failure by Sleek (where Sleek fails to deliver a material Service and it can no longer be performed under Applicable Law), the User shall be entitled to a pro-rata cash refund of unearned prepaid Fees and any un-disbursed statutory filing fees.

10.6 Refunds shall generally be made to the original Payment Method. Sleek may, at its sole discretion, refund to an alternative card or bank account where it is satisfied, following such verification as it considers necessary, that the alternative payment method is held in the same name as the original Payment Method. Sleek may withhold or refuse any refund to an alternative payment method where required for, or to address, any legal, regulatory, AML, sanctions, fraud or other compliance concern.

11. Deposits

11.1 Sleek may require a User to provide a refundable fixed amount of deposit as security for the provision of certain Services ("Deposit"). Where applicable and necessary, the Deposit may be used by Sleek:

(a) to off-set against any unpaid sums, including but not limited to maintenance and administrative surcharges, for the Services rendered and which continue to remain outstanding for a period of no less than thirty (30) calendar days from the date such sums fall due;

(b) to pay any administrative charges with regulatory authorities, sanctions and filing fees incurred under the User's account to the relevant authorities (please refer to the Regional Terms), as the case may be, for any actions taken by Sleek when discharging its duties under the law; and

(c) to settle any costs incurred by Sleek towards enforcing its right to reclaim the outstanding sums described in sub-clause (a) of this Clause 11.1.

(d) to cover any costs, fees, charges or expenses incurred or reasonably anticipated by Sleek in connection with the offboarding, winding-up, dissolution or strike-off of any Managed Entity.

11.2 Following termination of the relevant Service and application of the Deposit in accordance with Clause 11.1, Sleek shall notify the User of any balance of the Deposit remaining (the “excess funds”) and shall refund it to the User on request. If the User fails to make any attempt to reclaim the excess funds within sixty (60) days of that notice, then the excess funds shall be non-refundable and Sleek shall be entitled to forfeit such funds in their entirety. Further, the User agrees to waive any future claims against Sleek and/or its Affiliates, Appointees, officers, directors and employees in respect of such funds. Sleek shall be entitled to rely on this Clause 11.2 as a full defence to any such claim.

11.3 Following any such set-off, the User shall, on demand, top up the Deposit to the required amount as a condition of continued provision of the relevant Service.

12. Confidentiality and Data Protection

12.1 Definition of Confidential Information. In connection with their performance under these Terms, each party may from time to time make certain information available to the other party that is not generally known to the public at the time of its disclosure and is either identified as, or should reasonably be understood by the receiving party to be, proprietary or confidential (the "Confidential Information"). Confidential Information specifically includes, but is not limited to, the terms of any order form(s) entered into by the parties, User Content, business plans, product plans, roadmaps, strategies, forecasts, projects and analyses, the results of any audit related to the Services (including but not limited to any security audit), financial information and fee structures, business processes, methods and models, and technical documentation. Confidential Information does not include information that: (a) is or becomes publicly available without breach of these Terms by the receiving party; (b) was known to the receiving party prior to its disclosure by the disclosing party; (c) is or was independently developed by the receiving party without the use of any Confidential Information of the disclosing party; or (d) is or was lawfully received by the receiving party from a third party under no obligation of confidentiality.

12.2 Protection of Confidential Information. Without the express prior written permission of the disclosing party, or as required by law, the receiving party will not disclose, transmit, or otherwise disseminate to any third party any Confidential Information of the disclosing party and will use at least the same degree of care and discretion with respect to the Confidential Information received from the disclosing party as it uses with its own similar information, but in no event less than a reasonable degree of care. The receiving party may disclose the disclosing party's Confidential Information to its employees, Affiliates, consultants, subcontractors, agents, or advisors who have a strict need to access the Confidential Information for the purpose of performing under these Terms and only to those who are obligated to maintain the confidentiality of such Confidential Information under terms that are at least as protective as the terms set forth in these Terms. Either party may disclose these Terms to potential parties to a bona fide fundraising, acquisition, or similar transaction solely for the purposes of the proposed transaction, provided that any such potential party is subject to written non-disclosure obligations and limitations on use that are no less protective than those set forth herein.

12.3 Unauthorised use of Sleek Personnel Information. Without the express prior written permission of the individuals involved, any use of Sleek personnel information including but not limited to the nominee director and company secretary's personal information including but not limited to name, identification number, email address and contact number for the registration of any accounts or for any other purposes is prohibited ("Sleek Personnel Information"). Sleek reserves the right to take legal action and also to terminate our services should such a situation arise.

12.4 Equitable Relief. The receiving Party acknowledges damages may be an inadequate remedy and that the disclosing Party may seek injunctive relief.

12.5 Compelled Disclosure. The receiving Party may disclose Confidential Information where legally required, disclosing only the portion required and maintaining confidentiality otherwise.

12.6 Data protection. Sleek shall comply with the data-protection law applicable in the contracting jurisdiction (identified in the Regional Terms) in the collection, use, disclosure and processing of User Personal Data. By using the Platform and Services You acknowledge and consent to such processing in accordance with the Sleek Privacy Policy, which forms an integral part of these Terms.

12.7 Data breach notification. Sleek shall notify You without undue delay of a personal-data breach likely to result in a risk to your rights, save where the applicable data-protection law permits non-notification.

12.8 You acknowledge that internet transmissions are never completely private or secure.

12.9 Sleek may retain and use certain User Personal Data for its internal purposes (performance and functionality, information security, fraud prevention, troubleshooting and service improvement, including the training of computational models on data that has been aggregated or de-identified so that it no longer identifies the User or any individual), provided that this does not involve any external or public-domain disclosure of User Personal Data except as required by Applicable Law.

12.10 The User acknowledges and agrees that the provision of the Services and the operation, maintenance and security of the Platform may require Sleek personnel, technical teams and other authorised personnel located outside the User’s Location to access and process User Personal Data. The User authorises Sleek to permit such international access and, where applicable, to transfer and process User Personal Data in other jurisdictions to the extent reasonably necessary to provide the Services and operate, maintain and secure the Platform, in each case in accordance with Applicable Laws.

12.11 Regulatory Record Retention. User acknowledges that Sleek is legally obligated to maintain customer due diligence records, transaction history, and related correspondence for a minimum of five (5) years or such longer period required by Applicable Law following the termination of these Terms. The User agrees that Sleek shall not be obliged to erase or delete such records prior to the expiry of the statutory retention period applicable to the User Location, notwithstanding any deletion request. Sleek shall hold all retained data securely, restrict its use strictly to regulatory and compliance obligations, and safely dispose of it upon the lapse of the retention period.

13. Intellectual Property

13.1 By agreeing to these Terms, You agree to only subscribe to the use and access of the Services. You acknowledge that You have a limited right to access and use the Services and that no ownership rights are transferred to You under these Terms. Provided that the User complies with these Terms, Sleek hereby grants the User a worldwide, limited non-exclusive, non-assignable, non-transferable and revocable licence to use the Platform in order to gain access to the Services.

13.2 The Parties acknowledge and agree that all rights, title and interest (including but without limitation to intellectual property rights) in and to the Services (including the Platform, underlying software and any software or documentation made available to the User through the Services, which includes any enhancements, modifications or derivative works associated thereto), and Sleek's trademarks, names and logos, processes, know-how, data, documents and any other materials created or provided by Sleek or obtained from Sleek in connection with these Terms ("Sleek IP") belong solely and exclusively to Sleek.

13.3 Sleek IP shall not be reproduced, modified, distributed, published, displayed, transmitted or hyperlinked without Sleek's prior written approval.

13.4 The User shall not challenge the validity or Sleek's ownership of or right to Sleek IP. Save for the rights expressly granted to the User under these Terms, the User shall have no other rights, title or interest in or to the Services (including any software or documentation made available to the User through the Services) and to Sleek IP.

13.5 Unless otherwise agreed to in writing by Sleek, the User shall not combine, merge, subsume or otherwise, whether directly or indirectly, incorporate or permit to be incorporated the whole or any part of the Services and/or Sleek IP into another software, database, program or service not authorised by Sleek; and create, cause to be created or permit to be created any derivative works based on any of the Services and/or Sleek IP.

13.6 Save as expressly set out in these Terms, Sleek makes no warranties or representations in relation to the Sleek IP. Subject to Clause 15.4, Sleek shall not be liable for any damages, Loss, expenses or costs in the event that the Sleek IP or any part of it infringes or is alleged to infringe the rights of any third party, save to the extent such infringement arises otherwise than from any User Inputs or User Content. Sleek shall have control of all proceedings in any court of law or tribunal in respect of any infringement of the Sleek IP. If Sleek wishes to bring or defend such proceedings, the User shall, at Sleek's request, render such assistance as may be reasonably required of the User in relation to such proceedings.

13.7 Without prejudice to Clause 12.2 above, the Parties acknowledge and agree that all of the benefit, right, title and interest in and to all Foreground IP, including the right to sue for damages and other legal and equitable remedies in respect of infringement and all other rights of action, powers, and benefits arising from ownership of the Foreground IP, will be the sole and exclusive property of Sleek, and will constitute Sleek IP. "Foreground IP" means all rights to inventions, patents, know-how, trademarks, registered designs, copyright and related rights, database rights, design rights, trade secrets, confidential information, rights to use and protect confidential information, in each case whether registered or unregistered, including any rights to apply for and be granted applications for any of the foregoing and any renewals or extensions of, and rights to claim priority from, those rights, and any similar right recognised from time to time in any jurisdiction, together with all rights of action in relation to the infringement of any of the foregoing, that is generated, invented, developed, obtained, reduced to practice or produced during the course of, or as a result of entering into these Terms.

13.8 The marks "Sleek" and "SleekSign" and their logos are trademarks of Sleek; no right to use them is granted without prior written approval.

13.9 Sleek and the User may use third party software and application programming interfaces ("APIs") when using the Platform or the Services. Sleek does not guarantee the reliability of such third-party software or APIs. The User agrees that Sleek is not liable for any Loss or damage arising out of the use of such third-party software or APIs to access any information, the Platform or the Services.

13.10 You retain full ownership and responsibility for all documents, data, and content created, uploaded, or submitted by You through the Platform (“User Content”). However, by using the Platform, You grant Sleek a non-exclusive, royalty-free, worldwide licence to process, store, and use such content solely for the purpose of providing the Services. Sleek shall not claim ownership of User Content nor use, modify, distribute, or disclose such content for any purpose other than delivering the agreed Services, unless required by law or with Your explicit written consent.

14. Disclaimers

14.1 The Services and the content and documents generated by the Platform are provided on an "as is" basis. No assurance, representation or warranty of any kind is made whether express, implied or statutory including but not limited to warranties of title or implied warranties of satisfactory quality, fitness for a particular purpose or non-infringement.

14.2 Sleek will make every effort to provide high quality Services, however, it does not make any representation or warranty that the information or content provided as part of the Services will be entirely correct and up to date; the documents generated as part of the Services will be accurate, adequate, reliable, free from defect or error or omissions, suitable for a particular purpose or legally sound; the Services are free from bugs or viruses; correspondence between a User and Sleek will be free from interception, corruption, error, delay or loss; access to the Services will always be available or uninterrupted, particularly if the unavailability or interruption is caused by, directly or indirectly, forces beyond its control, including, without limitation, strikes, work stoppages, accidents, acts of war or terrorism, civil or military disturbances, nuclear or natural catastrophes or acts of God, and interruptions, loss or malfunctions of utilities, communications or computer (software and hardware) services; or use of the Services will achieve any particular result and meet Your expectations with respect to a specific commercial objective.

14.3 Sleek is not a law firm, or a tax or investment advisory practice. The Services (including any document templates) are provided for administrative and compliance purposes only and do not constitute legal services, tax or investment advice, legal opinions, legal representation or recommendations regarding your rights, obligations, or business decisions. You remain solely responsible for obtaining independent professional advice where required. Nothing in these Terms or the provision of the Services creates a lawyer-client, fiduciary, or similar relationship between Sleek and the User. Communications with Sleek are not subject to legal professional privilege or attorney-client privilege.

14.4 Sleek does not warrant or guarantee any particular outcome, including the successful incorporation, registration, approval, or continued good standing of any entity, filing, licence, permit, or application. Such outcomes remain subject to Applicable Law, regulatory requirements, third-party decisions, and the User's ongoing compliance with its legal obligations.

15. Limitation of Liability

15.1 To the fullest extent permitted by Applicable Law, and subject to Clause 15.3 below, Sleek and its Affiliates, directors, officers, employees, agents, representatives, partners expressly limit their liabilities in connection with the Services and these Terms.

15.2 Neither party shall be liable for any indirect, special, incidental, punitive, exemplary or consequential losses or damages or any loss of profit, business or data arising out of or in connection with these Terms.

15.3 Any liability of Sleek to the User shall be limited to the total amount of Fees paid by the User to Sleek for the Services in the twelve (12) months preceding the event giving rise to the liability.

16. Indemnity

16.1 You agree to indemnify and hold Sleek (and/or its Affiliates, officers, directors and employees) harmless from and against all liabilities, damages, judgements, claims, demands, costs, taxes and expenses (including legal/ professional fees and costs), and expenses howsoever incurred by Sleek, in connection with or arising from the User's breach of these Terms, any infringement of a third party's intellectual property rights by any User Inputs or User Content, or Sleek's performance of the Services in accordance with the User's instructions.

16.2 Both Parties shall comply with all Applicable Laws and regulations, which for the avoidance of doubt, includes all applicable privacy and data security laws; anti-money laundering and counter-terrorism financing laws; anti-bribery and anti-corruption laws; export control and sanctions laws; modern slavery laws; and occupational health and safety laws.

16.3 Notwithstanding anything in these Terms and in addition to Clause 16.1, in the event of persistent or impending breach by the User of these Terms or any Applicable Laws, as may be reasonably determined by Sleek in its sole and absolute discretion, Sleek shall be entitled to pursue such legal and administrative recourse as may be necessary, including assuming control of the User's account or initiating filings with the relevant authority on the User's behalf, in order to discharge its duties under Applicable Laws and/or to mitigate the effects of such breach or default.

16.4 The foregoing Clause 16.3 shall be in addition to and shall not adversely affect any other rights or remedies available to Sleek under Applicable Laws.

16.5 Conduct of indemnified claims. Sleek reserves the right, at the User's expense, to assume the exclusive defence and control of any matter for which the User is required to indemnify Sleek under Clause 16.1, and the User agrees to cooperate, at its sole expense, with Sleek's defence of such claims. Sleek will use reasonable efforts to notify the User of any such claim, action or proceeding upon becoming aware of it.

17. Termination

17.1 Termination for convenience

(a) User may terminate any Services by giving at least thirty (30) days' written notice to Sleek.

(b) To the extent permitted by law, Sleek may cease providing the Services at any time by giving at least thirty (30) days' written notice, without assigning any reason whatsoever and shall be under no obligation to enter into any further correspondence in such circumstances. Should the Services be discontinued, Sleek shall incur no liability for any Loss that any User may suffer as a consequence of such discontinuation of Services.

17.2 Notwithstanding the foregoing, either Party may terminate the Services with immediate effect on written notice, in the event that the other Party is in material breach of these Terms, or any applicable terms of Service or any Applicable Laws, where such breach is (i) incapable of remedy; or (ii) capable of being remedied but the defaulting Party has failed to do so within fifteen (15) days after receipt of written notice requiring it to do so. Without limitation, a material breach by User includes where:

(a) continuing to provide the Services constitutes a breach of any Applicable Law;

(b) the User is in persistent material breach of these Terms governing the provision of the Services;

(c) there has been any change in ownership of the User such that there shall be a new company in relation to the User;

(d) the User is insolvent or subject to a creditors' (insolvent) winding-up or any equivalent or similar procedure in any jurisdiction;

(e) the User fails to respond to any reasonable request for information or documents required for the provision of the Services for a continuous period of thirty (30) days;

(f) any Fees, taxes, reimbursements, government charges and disbursements invoiced by Sleek in relation to the User have remained outstanding and unpaid in whole or in part for more than thirty (30) days after the invoice date;

(g) the User (or any of its directors, officers or employees) has been charged with any criminal offence involving dishonesty or is or has been the subject of any criminal, judicial or regulatory investigation in any jurisdiction;

(h) there has been a failure on the part of the User to provide Sleek with information required by it to satisfy its CDD, KYC, KYB or AML procedures and/or tax and reporting obligations, or Sleek is supplied with information which in Sleek's sole opinion is false or misleading;

(i) any of the activities of the User, in the sole and absolute opinion of Sleek, are no longer consistent with the activities provided during the onboarding procedure;

(j) the User (or any of its directors, officers, employees or representatives) engages in abusive, threatening, harassing or otherwise unacceptable conduct towards Sleek's personnel, such that in Sleek's reasonable opinion the working relationship can no longer be sustained;

(k) the User is unable to provide historical statutory or other records necessary for the provision of the Services; or

(l) continuing to provide the Services may damage Sleek's reputation.

17.3 In addition to its rights under Clauses 17.1(b) and 17.2, Sleek may terminate any of the Services with immediate effect on written notice to the User where required by Applicable Law or by any regulator, registry or authority, or where continuing to provide the Services would expose Sleek to legal, regulatory or reputational risk, in which case the User shall be given a pro-rata refund of the Fees in respect of the unexpired period of the relevant Subscription.

17.4 If you terminate any Services, Sleek shall be entitled to terminate the User's access to the Platform. You will be able to access and export the records pertaining to your company for a period of thirty (30) days from the date of termination (the "Post-Termination Period").

18. Effect of Termination

18.1 During the applicable Post-Termination Period, or in any case prior to the effective date of termination, the User shall provide Sleek with the details of any replacement service provider required under Applicable Law, together with the address or other delivery details to which Sleek may transfer the User Documents. For the purposes of this Clause, "User Documents" means documents belonging to the User but excludes: (a) Sleek's internal communications, advice, opinions, correspondence, emails, file notes and working papers; and (b) any materials constituting or containing Sleek's intellectual property.

18.2 If the User fails to provide the details of a replacement service provider by the effective date of termination, Sleek may, to the extent permitted by Applicable Law, cease providing the Services and arrange for the resignation of any Sleek Appointees without the appointment of successors, or, where the laws and regulations prevent any such unilateral withdrawal, take all steps as are necessary to withdraw Sleek Appointees from acting for the User.

18.3 Upon termination of the Services for any reason, Sleek shall be entitled to:

(a) charge the User, at its prevailing rates, for all work performed and expenses incurred in connection with the termination of the Services and the transfer of the User's administration, records and User Documents, whether incurred before or after the effective date of termination;

(b) retain such reserves, require such indemnities and take such steps as Sleek reasonably considers necessary in respect of any actual or contingent liability arising from the Services;

(c) exercise any lien or other right of retention permitted by law over the User Documents or any assets held on behalf of the User until all outstanding fees, expenses, disbursements and other amounts due and payable to Sleek have been paid in full; and

(d) retain any fees paid in advance to the extent permitted under these Terms or Applicable Law.

18.4 In respect of termination under Clause 17.1 above, User shall be given a pro-rata refund of the Fees, if applicable, in respect of the unexpired period to which the annual services fees relate. In the event of any statutory filing fees paid out by Sleek over the course of providing the Services to the User then none of the Fees (including such statutory filing fees) shall be refundable under any circumstances. For the avoidance of doubt, no Fee shall be refundable for termination under Clause 17.2.

18.5 After the Post-Termination Period your company information may be deleted or overwritten, subject to the Privacy Policy and retention requirements under Applicable Law. You are responsible for maintaining your own records thereafter.

18.6 Survival. Termination or expiry of these Terms or of any Service shall not affect any right, remedy, obligation or liability that has accrued to either party as at the date of termination or expiry. Any provision of these Terms which expressly provides for its continuation after termination, or which by its nature is intended to survive termination, shall remain in full force and effect, including the provisions relating to accrued Fees, refunds and deposits, confidentiality and data protection, record retention, intellectual property, disclaimers, limitation of liability, indemnity, non-solicitation and governing law.

19. Variation of These Terms

19.1 Sleek may amend these Terms from time to time, as it thinks fit. Minor or administrative updates that do not materially affect Your rights or obligations may be made without prior notice.

19.2 If Sleek makes material changes to these Terms that may negatively impact Your rights or obligations, Sleek will use reasonable endeavours to provide the User with at least thirty (30) days' notice before the changes take effect. If You continue to use the Services after this period, You will be deemed to have accepted the revised Terms. If you do not agree to any amendment or changes to the Terms, you may request for termination of Services in accordance with Clause 17 (Termination) of these Terms.

19.3 Any notices or communications from Sleek to you may be sent to you in writing via email, SMS, push notification, the Platform, or by post at the address last provided by you, or displayed as an in-app notification. Any notice sent to your email address or phone number shall be deemed to be received by you within 24 hours of being sent.

20. Waiver and Severability

20.1 A Party's failure to enforce a provision in these Terms is not a waiver of that Party's right to do so later, unless such Party waives such right to enforce the said provision in writing.

20.2 If a provision in these Terms is found to be unenforceable the remaining provisions of these Terms will remain in full effect and an enforceable term will be substituted, reflecting the initial intent.

21. Third-Party Rights

Only the User and Sleek shall be entitled to enforce these Terms. No third party shall be entitled to enforce any of these Terms, whether under any legislation conferring rights on third parties in respect of contracts or otherwise. Nothing in these Terms, express or implied, is intended to confer on any person, other than the parties hereto, any rights or remedies under or by reason of these Terms.

22. Governing Law

22.1 For the purposes of these Terms, your User Location shall determine:

(a) the applicable Sleek contracting entity;

(b) the address for service of notices;

(c) the governing law of these Terms; and

(d) the courts having jurisdiction over any dispute arising out of or in connection with these Terms, and are specified in the Regional Terms.

22.2 These Terms and any disputes between User and Sleek will be governed by, and construed in accordance with, the Governing Law as specified in the Regional Terms, without giving effect to its conflict of law principles.

23. Regional Terms and Conditions

Jurisdiction specific conditions shall apply according to the User Location and are set out as “Regional Terms” under Appendix I. The relevant Regional Terms form an integral, legally binding part of these Terms upon the User’s purchase or selection of Service in the corresponding User Location.

24. General Provisions

24.1 These Terms of Service, together with the Regional Terms and the SBA Terms (if applicable), constitute the entire agreement between us and you with respect to the subject matter hereof and supersede all previous negotiations, understandings and agreements, whether oral or written.

24.2 Sleek reserves the right to assign, novate, transfer or delegate any of Sleek’s rights and obligations under these Terms in whole or in part to another person or entity at any time without your consent and without prior notice to you. You may not assign, transfer or delegate any of your rights or obligations or any part of them under these Terms to another person or entity without Sleek’s prior written consent, and any unauthorized assignment, transfer or delegation by You is void.

24.3 You agree that these Terms will not be construed against Sleek by virtue of having drafted it.

24.4 You hereby waive any and all defences you may have based on the electronic form of Sleek’s agreement with You and the lack of signing by the parties hereto to execute the agreement.

Version date: 26 October 2026

Part B

Hong Kong Regional Terms

If the User Location is Hong Kong, the provisions set out in this Annexure (the "Hong Kong Regional Terms") shall apply to the User and shall be read together as a single agreement with the General Terms of Service. References to the "Terms" shall, in relation to a User whose User Location is Hong Kong, mean the General Terms of Service as supplemented and, where applicable, modified by the Hong Kong Regional Terms. To the extent of any inconsistency between the General Terms of Service and the Hong Kong Regional Terms, the Hong Kong Regional Terms shall prevail.

1. Contracting Entity

The Sleek contracting entity is Sleek Hong Kong Limited (Business Registration No. [•]), whose registered office is at Unit 2904, 29/F, Universal Trade Centre, 3 Arbuthnot Road, Central, Hong Kong ("Sleek"), and the Website is sleek.com/hk.

2. Services offered by Sleek in Hong Kong

2.1 Users in Hong Kong may engage Sleek to provide certain business services which may include, but are not limited to, any of the following:

(a) company incorporation;

(b) provision of a registered office address, mail scanning and virtual mailroom;

(c) maintenance of statutory registers on the Platform in accordance with the legal requirements;

(d) lodgement and payment of regulatory filings with the Companies Registry of Hong Kong;

(e) provision of company secretarial services, including acting as the company secretary in accordance with the Companies Ordinance (Cap. 622);

(f) preparation of corporate resolutions in connection with the governance of your company;

(g) filing all changes relating to a company, including but not limited to change of officers, shareholders, share capital, registered office, or particulars of officers or shareholders;

(h) provision of accounting, audit and tax-related services, including:

(i) preparation of management reports (including profit and loss statement, balance sheet, trial balance and general ledger);

(ii) maintenance of general ledger, accounts payable ledger, accounts receivable ledger, and fixed assets ledger;

(iii) performance of bank and other accounts reconciliation;

(iv) tax computation to calculate the profits tax liability of your company; and

(v) preparation of Profits Tax Return forms for your company's submission.

(i) provision of payroll services, including:

(i) salary calculation on a monthly basis;

(ii) automatic generation of monthly pay slips for employees;

(iii) monthly submission to the selected Mandatory Provident Fund (MPF) provider;

(iv) issuing an income summary for personal tax filing; and

(v) maintenance of payroll files for each employee.

(j) SleekSign is a Sleek Service which allows Users to send and sign documents electronically. Users may use SleekSign in conjunction with other Services or as a standalone service in accordance with these Terms and any other Terms and Conditions which may be added or amended from time to time.

2.2 By appointing Sleek as the User's company secretarial service provider, Sleek shall carry out, or appoint one of its employees to carry out, the duties of a company secretary in accordance with the laws of Hong Kong. Sleek commits to promptly deliver the Services elected and validly paid for by the User pursuant to these Terms.

2.3 For the avoidance of doubt, Sleek does not provide nominee director services in Hong Kong.

2.4 Registered office address and mailroom. The registered office address provided by Sleek may be used only as the company's registered office and not as a trading address, and is subject to Sleek's mailroom and mail-forwarding procedures notified to you from time to time.

3. Compliance and Customer Due Diligence

3.1 In compliance with the Companies Ordinance (Cap. 622) and applicable regulatory requirements, you must provide and maintain accurate, up-to-date information regarding your company's significant controllers for the purposes of the Significant Controllers Register, and provide such other information as Sleek requires to discharge its obligations as a licensed trust or company service provider. You acknowledge that Sleek may be required to keep, lodge or make available such information to the Companies Registry or other competent authority.

3.2 Sleek is subject to statutory obligations to report suspicious transactions to the Joint Financial Intelligence Unit (JFIU). You acknowledge and agree that Sleek may make such reports without prior notice to you. In accordance with Applicable Law, including the Organized and Serious Crimes Ordinance (Cap. 455) and the Drug Trafficking (Recovery of Proceeds) Ordinance (Cap. 405), Sleek is prohibited from disclosing to you that a suspicious transaction report has been made or that an investigation is being carried out (tipping off), and Sleek shall bear no liability for any loss arising from its compliance with such statutory reporting obligations.

4. Business capacity

You acknowledge and agree that you enter into these Terms exclusively in the course of business and not as a consumer, and that the Services are supplied to you for business purposes only.

5. Data protection

For the purposes of Section 12 of the General Terms, the applicable data-protection law is the Personal Data (Privacy) Ordinance (Cap. 486) (the "PDPO") and the relevant supervisory authority is the Office of the Privacy Commissioner for Personal Data. Sleek shall comply with the PDPO in the collection, use, disclosure, and processing of User Personal Data. By using the Platform and Services, You acknowledge and consent to the collection, use, and disclosure of User Personal Data in accordance with the Sleek Privacy Policy available at sleek.com/hk/privacy-policy, which forms part of these Terms. The User and the relevant individuals may make data access and data correction requests in accordance with the PDPO. Where Sleek transfers personal data outside Hong Kong, Sleek shall take reasonable steps to ensure that the recipient provides a standard of protection comparable to that under the PDPO. Sleek's Data Protection Officer may be contacted at [email protected].

6. Tax

For the purposes of clause 8.11, no goods and services tax or value added tax is levied in Hong Kong. All Fees are exclusive of any tax that may be applicable, and references in the General Terms to "VAT" do not apply to Users in Hong Kong.

7. Third-Party Rights

Only the User and Sleek shall be entitled to enforce these Terms. No person other than the User and Sleek shall have any right, whether under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) or otherwise, to enforce any of these Terms, and the application of that Ordinance is excluded to the fullest extent permitted by law.

8. Governing Law

These Terms shall be governed by, and construed in accordance with, the laws of the Hong Kong Special Administrative Region.

9. Dispute Resolution

Any dispute arising out of or in connection with these Terms (including any question regarding its formation, existence, validity or termination) shall be subject to the exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region.

10. Customer Support

We are committed to providing you with excellent customer support. If you have any questions or concerns about your account, the Services or these Terms, you may contact our Customer Support team at [email protected] or by calling our hotline at +852 5803 2309 (Monday – Friday, 9AM – 6PM Hong Kong time), or via our in-app chat feature.

Part C

Partnership Terms

Airwallex Terms & Conditions

Employee Card Cashback Campaign 2026 Terms and Conditions

Last updated: 28 July 2026

https://www.airwallex.com/global/terms/rewards/employee-card-cashback-campaign-2026

Introduction

These Terms and Conditions (“Terms“) govern your participation in the “Employee Card Cashback Campaign 2026” Campaign (“Campaign“) offered by the applicable Airwallex Group entity as set out in the Regional Schedule, as may be updated from time to time(“Airwallex,” “we,” “us,” or “our“). These Terms are incorporated into and form part of the customer agreements between you (“Participant“, “you”) and us (“Customer Agreements“) regarding the use of our services (“Services“) and shall be interpreted as such. Capitalised terms not defined herein shall have the meanings assigned to them in the Customer Agreements.

Eligibility Criteria

To be eligible for the Campaign, a Participant must satisfy all of the following conditions (a Participant who meets all the conditions and requirements under these Terms is an “Eligible Participant”):

For New Customers:

  • The Participant has not signed up to an Airwallex account prior to participating in the Campaign.
  • The Participant has used the Campaign link on the Airwallex website or Airwallex marketing material to successfully create an account with Airwallex (“Account Creation”) between 3 August 2026 and 31 December 2026 (“Campaign Period”).
  • The Participant has submitted to Airwallex all the know-your-customer (“KYC”) documentation as requested by Airwallex for purposes of Airwallex verifying the Participant’s business and has received a written KYC submission approval from Airwallex (“Approval”) within the Campaign Period.

For Existing Customers:

  • The Participant is an existing customer of Airwallex who (1) has not activated Airwallex Spend products with Airwallex before, and (2) does not maintain any Airwallex account on the Airwallex Accelerate plan.
  • The Participant is not subject to any outstanding KYC requests from Airwallex.
  • The Participant has received an email invitation directly from Airwallex (“Invitation Email”) to participate in the Campaign, or has been made eligible by Airwallex to enroll in the Campaign through the Webapp.
  • You enroll in the campaign and complete all steps specified in the Invitation Email or on the Webapp (whichever is applicable) before 31 December 2026, including if required, manually activating the Cashback Reward in your Webapp.

For Both Existing and New Customers:

  • The Participant is or becomes a customer of Airwallex.
  • The Participant is in compliance with these Terms, the Customer Agreements and applicable laws.
  • The Participant has received written confirmation from Airwallex that they meet all the conditions and requirements set out herein.

Campaign Reward

The Eligible Participant will be entitled to receive 10% rebate on Eligible Transactions up to a total value (the “Cap“) specified in the Invitation, or if not specified (or if no Invitation was received), as set forth below (“Cashback Reward”).

Country or RegionCap
AustraliaAU$ 450
UK£ 300
New ZealandNZ$ 450
SingaporeS$ 400
CanadaC$ 400
Hong KongHK$ 800

Eligible Transactions are transactions made with an Airwallex Employee Card within the period of, (1) in respect of the New Customers, ninety (90) days starting from the date of Approval; (2) in respect of Existing Customers who have received an Invitation Email, 90 days from the date of enrollment in accordance with the steps specified in the email; and (3) in respect of the Existing Customers who have not received an Invitation Email and were made eligible by Airwallex to enroll through the Webapp, 90 days from the date of enrollment through the Webapp (“Reward Period”), excluding the transactions listed under Rights Reserved (“Eligible Transactions”).

  • The Cashback Reward will be in the currency of the Eligible Transaction.
  • The Cashback Reward will be credited directly to your Airwallex wallet within 30 days from the date of the Eligible Transaction.
  • Once the Reward Period expires or the aggregate value of the Cashback Reward has reached the Cap or you are no longer an Eligible Participant (whichever occurs first), you will no longer be able to earn the Cashback Reward and any unused part of the Cashback Reward will be cancelled.
  • The Reward is non-transferable, cannot be exchanged for cash, and is limited to one per Eligible Participant.
  • During the Reward Period, other fees as set out in the Customer Agreements, including any Fee Schedule may apply depending on the Services you use.

Reward Conditions

  • The Reward will only be activated in your Airwallex account after the relevant conditions are met.
  • Any incomplete steps, such as incomplete KYC or the conditions or requirements herein, will disqualify the Participant from the Reward.
  • Airwallex reserves the right to withhold the Reward in cases of suspected fraud or misuse of the Campaign or any breach by you of these Terms, the Customer Agreements or applicable laws.
  • Airwallex reserves the right to modify or terminate the Campaign at any time with notice.

Acceptance

By participating in this Campaign, the Participant acknowledges and agrees to be bound by these Terms and the applicable terms in the Customer Agreements. Participation in the Campaign constitutes their acceptance of these terms. If a Participant does not agree to these terms, they must not participate in the Campaign.

Rights Reserved

Airwallex reserves the right to modify, suspend, or cancel the Campaign as it deems necessary.

The eligibility of transactions for the purpose of the Promotion is determined by Airwallex in its sole and absolute discretion from time to time. Airwallex shall not be liable to determine the eligibility of any transactions for the Promotion before they are made by the Eligible Customer.

Eligible Transactions exclude transactions including, but not limited to, those prohibited under the Customer Agreements and/or the Acceptable Use Policy and transactions of similar nature as may be determined by Airwallex in its sole discretion at any time. Eligible Transactions also exclude unposted, canceled, suspended, refunded, unauthorised, chargeback transactions, and any other transaction as designated by Airwallex from time to time. Eligible Transactions also exclude:

  • Cash or cash-like transactions, like ATM withdrawals, or cashbacks and purchases of gift vouchers
  • Balance transfers
  • Gambling transactions, including bookmakers and casinos
  • Payments connected to commodities, investments, savings or cryptoassets
  • Payments to government bodies or tax authorities
  • Payments to financial institutions (like a credit card provider)

Cashbacks may be reversed if any Eligible Transactions (in whole or in part) are subsequently canceled, suspended, frozen, or refunded. Airwallex also reserves the right to debit the cashback from your account without prior notice if any fraud, abuse, or unlawful conduct has occurred.

Use of Personal Information

Any personal information provided to Airwallex in connection with this Campaign will be used in accordance with our applicable Privacy Policy (see Regional Schedule, as may be updated from time to time) and applicable laws.

Transferability

Participants may not transfer their rights or obligations under these Terms without our prior written consent.

No Third-party Rights

These Terms create rights and obligations only between the Participant and Airwallex. No person other than the Participant and Airwallex will have any right under the Contracts or enjoy the benefit of any of the provision of these Terms.

Governing Law and Jurisdiction

These Terms are governed by the laws of the jurisdiction specified for your Customer Location in the Regional Schedule, as may be updated from time to time and each party irrevocably submits to the exclusive jurisdiction of the courts of that jurisdiction to resolve any dispute arising out of or relating to these Terms.

Contacting Airwallex

For inquiries, Participants may contact us via email at [email protected] or through our website at www.airwallex.com.

Additional Terms

Indemnification: The Participant shall indemnify, defend and hold harmless Airwallex, each other member of the Airwallex Group and their respective officers, directors, employees, advisors, agents and subcontractors (“Indemnified Persons”) from and against any loss, damage or expense (including attorneys’ fees) incurred in connection with any claims, actions, demands, suits or proceedings made against any Indemnified Person by a third party or suffered by any Indemnified Person in connection with or as a result of the Participant’s breach of these Terms or the Customer Agreements, failure to comply with applicable law or the Participant’s use or misuse of the Campaign.

Limitation of Liability: To the maximum extent permitted by applicable law, neither Airwallex nor any of its Affiliates will be liable to you, your Affiliates or any other person in relation to these Terms (during and after the term of these Terms), whether in contract, negligence, strict liability, tort or other legal or equitable theory, for losses, damages or costs.

Conflict Resolution: In the event of a conflict between these Terms and any Customer Agreement, these Terms shall prevail.

Aspire Terms & Conditions

Sleek x Aspire: Topup & Earn — Terms & Conditions

Promo code: SleekAUCCB

https://hs.aspireapp.com/first-topup

Terms & conditions

This promotion (the “Promotion“) is offered by Aspire FT Pte. Ltd. (“Aspire“) on the terms and conditions set out here (these “Promotion Terms and Conditions“). The Promotion is available only to new-to-Aspire clients referred by an Aspire partner through an approved referral channel, and who enter the promo code SleekAUCCB upon registering for their Aspire account. Accounts registered without the promo code will not be eligible for the Promotion. Existing Aspire clients and entities that have previously registered for or held an Aspire account are not eligible. A client who meets all of the eligibility criteria in these Promotion Terms and Conditions is an “Eligible Customer“.

  • To qualify, the Eligible Customer must deposit the qualified amount (as stipulated in the table below) within 30 calendar days from the date their Aspire account is verified, and maintain the average balance of such qualified amount for at least 30 calendar days.
  • The Promotion is only applicable to entities incorporated in Singapore.
  • The Promotion is valid for eligible clients who register for an Aspire account from 1st Oct 2026 to 30th Sep 2027 (both dates inclusive) (the “Promotion Period”). Accounts registered after 30th Sep 2027 will not be eligible for the Promotion.
  • Each Eligible Customer is eligible for one reward only, based on the highest qualifying top-up threshold achieved as an average during the 30 calendar days starting from the date of the first deposit to such Eligible Customer’s Aspire account.
  • The Promotion cannot be combined or used together with any other Aspire promotion, campaign, incentive, or offer.
  • The reward will be credited to the Eligible Customer’s Aspire account within 30 calendar days after all eligibility criteria have been fulfilled.
  • Eligibility and the applicable reward will be determined solely based on Aspire’s records.

Reward Tiers

The reward scales with the first top up:

Qualifying Top up (USD)Client Reward (USD)
USD 1,000USD 200
USD 100,000USD 500
USD 500,000USD 750

Paid in USD or the SGD equivalent, on the client’s first qualifying top up. In the event the reward is paid in the SGD equivalent, it shall be based on the prevailing exchange rate available on the Aspire Platform on the crediting date.

General

  • Aspire may, at any time and at its sole and absolute discretion, terminate, shorten or withdraw the Promotion and/or amend any of these Promotion Terms and Conditions (including but not limited to varying the promotional mechanics under this Promotion) without prior notice or reason, and all Eligible Customers who are enrolled in this Promotion shall be bound by such amendments.
  • Aspire reserves the right in its sole and absolute discretion to determine all matters arising out of or in connection with the Promotion, including whether an Eligible Customer qualifies for the reward, and Aspire’s decision shall be final and no appeal will be entertained.
  • Aspire reserves the right to ban or exclude an Eligible Customer from this Promotion if any fraudulent or suspicious activities are detected.
  • In the event of any inconsistency between these Promotion Terms and Conditions and any marketing or promotional materials relating to this Promotion, these Promotion Terms and Conditions shall prevail to the extent of such inconsistency.
  • These Promotion Terms and Conditions are supplemental to and form part of, and are to be read together with, the Master Services Agreement, the relevant Product Schedule(s), Aspire’s Privacy Policy and Acceptable Use Policy. In the event of any inconsistency between these Promotion Terms and Conditions and the other terms mentioned, these Promotion Terms and Conditions will prevail only to the extent of such inconsistency.
  • Save for any member of the Aspire Group, any person who is not a party to these Promotion Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of the Promotion Terms and Conditions.
  • These Promotion Terms and Conditions shall be governed by the laws of Singapore, and each Eligible Customer qualified for this Promotion irrevocably submits to the non-exclusive jurisdiction of the courts of Singapore.

Legal terms

  • Aspire reserves the right to deduct, withdraw or cancel any reward awarded to you (including by deducting the reward from your Aspire account) without liability in the event the reward was credited to your Aspire account erroneously, or if it was later found that any of the eligibility criteria had not been satisfied. You will not be entitled to any payment or compensation whatsoever in respect of such deduction, withdrawal or cancellation.
  • Aspire will not be responsible or liable for any failure or delay in the posting of any top up or other transaction that may result in the Eligible Customer failing to qualify for the reward.
  • Each Eligible Customer participating in the Promotion consents under the Personal Data Protection Act 2012 to the collection, use and disclosure of their personal data by/to Aspire and such other third party as Aspire may reasonably consider necessary for the purpose of the Promotion, and confirms that it agrees to be bound by the terms of the Aspire Privacy Policy, a copy of which can be found on https://aspireapp.com/privacy-policy.
Part D

Data Protection and Privacy Policy

Introduction

Last updated: 16 October 2025

This Privacy Policy explains what you can expect from us and what we need from you in relation to your personal data. Please read this carefully as this Privacy Policy is legally binding when you use our Services.

We want you to understand why and how Sleek Hong Kong Limited (“Sleek”, “we”, “us” and/or “our”) collects, uses, discloses and or/processes your Personal Data (as defined below) under Singapore’s Personal Data Protection Act 2012 (the “PDPA”), Hong Kong’s Personal Data Privacy Ordinance (Cap. 486) (the “PDPO”) and the European General Data Protection Regulation (the “GDPR”).

This Privacy Policy (“Policy”) applies to you and all Individuals (as defined below) who provide Sleek with Personal Data or whose Personal Data is otherwise collected, used, processed, stored, and/or disclosed by Sleek in connection with and/or for the purposes of its operations.

This Policy supplements but does not supersede or replace any previous consent which you may have provided to Sleek, nor does it affect any legal rights that Sleek may have regarding the collection, use, processing, and/or disclosure of any Individual’s Personal Data.

Sleek may, from time to time, update this Policy to ensure that it is consistent with our business needs or to accommodate amendments to applicable legal or regulatory requirements. All updates to this Policy will be published online at www.sleek.com (the “Sleek Website”). Notification of any material revisions will also be published on the Sleek Website. You shall be deemed to have accepted the Policy as amended by continuing your relationship with Sleek after any amendments have been published on the Sleek Website.

This Policy forms part of the terms and conditions, if any, governing your specific relationship with Sleek (“Terms and Conditions”), and it should be read in conjunction with the Terms and Conditions. In the event of any conflict or inconsistency between the provisions of this Policy and the Terms and Conditions, the provisions of the Terms and Conditions shall prevail to the fullest extent permissible by law.

For the purpose of this Policy:

“Sleek DPO” shall mean the Data Protection Officer based in Singapore. He can be reached at the following address:

160 Robinson Road
#14-04
Singapore 068914
Email: [email protected]

Our principles of data protection

Our approach to data protection is built around 3 key principles. They’re at the heart of everything we do relating to personal data.

  • User Sovereignty: You have full control over your data, and you have the ability to make changes as required.

Some information, such as your Business Profile, Directors, and Shareholders, cannot be directly amended by you as it requires a formal update with regulatory bodies.

  • Transparency: We take a human approach to how we process personal data by being open, honest, and transparent.
  • Security: We ensure industry-leading approaches to securing the personal data entrusted to us.As a measure of our commitment to security, we are ISO 270001:2022 Certified.

1. Definitions

For the purposes of this Policy:

“Individual” (or “you”) means a natural person, whether living or deceased, and “Individuals” (and “your”) shall be construed accordingly;

“Personal Data” means data that is capable of identifying an Individual, whether on its own or in conjunction with other data accessible to Sleek;

“Personnel” means any Individual engaged under a contract of service with Sleek, including permanent or temporary employees, as well as trainees and interns engaged by Sleek from time to time; and

“Potential Personnel” means any Individual who has submitted an application to be engaged by Sleek as Personnel.

2. Purposes for collection, use and disclosure of Personal Data

There is some information which are mandatory for us to collect in order to provide our services to you as part of being regulated.

Sleek will only collect, use, and disclose Personal Data from/or related to an Individual that is reasonably considered necessary for the relevant purposes underlying such collection, use or disclosure, which may include but is not limited to the following:

a) Facilitating Sleek’s provision of products and services which are used by you and from time to time with newsletters, marketing or promotional materials and any other information that may be relevant to you;

b) Communicating with you to assist you with your enquiries;

c) Dealing with administrative matters relating to the product and/or services purchased and/or subscribed to by you;

d) Conducting market research and customer satisfaction surveys;

e) Any other purposes that we notify you of at the time of obtaining consent (collectively known as the “Purposes”).

3. Collection of Personal Data

Generally, Sleek may collect Personal Data from you in one or more of the following ways or circumstances:

a) Information provided directly: You may be asked to provide Personal Data when you visit or use some parts of our websites and/or services. You do not have to provide us with your Personal Data; however, it could mean that you are not able to access some parts of our website or use our services.

b) Information collected automatically: Some information is collected automatically, such as an IP address and device type, when you visit our websites or use our services. This information is useful to us as it provides us with a better understanding of how you are interacting with our websites and services, so that we can continue to provide you with the best experience possible.

We use your IP address to determine your location in order to provide the most relevant content to you.

c) Information from third parties: The majority of information that we collect is collected directly from you. Some data may be collected from other sources, such as information that is available in the public domain or from trusted third parties, in order to conduct background checks as part of your relationship with us. We use this information to supplement the Personal Data that we have collected from you. If you register with us through a third-party service like Google, we may collect additional information from you, as permitted by your settings with the third-party service.

Where your Personal Data is collected from third parties, we will only use such Personal Data where you have provided your consent to the third party, which would also cover our processing of your Personal Data, or where Sleek has a legitimate interest to use the Personal Data in order to evaluate the suitability of your relationship with us.

Some of the information we collect may include your personal data, such as your full name, contact information, Copy of NRIC, Copy of passport or other identification, telephone number(s), residential address, email address, biometric data and other personal information required by government agencies, product and service selections, and other data that may identify you. We collect personal data about you at several different points, including but not limited to the following:

  • When we correspond with you as a customer or prospective customer;
  • when you visit our website or use the Platform;
  • when you use our software or services;
  • When you register as an end-user of our services and an account is created for you;
  • When you opt-in to our newsletter program;
  • When you decide to participate in a survey;
  • When you voluntarily provide us with your information through our landing pages

As part of our onboarding process, there is some information that we have to collect from you as part of being regulated by the Accounting and Corporate Regulatory Authority (ACRA) and the Monetary Authority of Singapore (MAS), without which we would not be able to provide you our services. In order to do so, we make use of independent providers to help us carry out identity checks on our behalf. When this happens, you will be redirected outside of the Sleek platform. The information required might include an image, images of an identity document (e.g a passport or a driver’s license), or a live video. The exact information needed depends on the check that’s being carried out.

We seek to protect the information we share by imposing contractual privacy and security safeguards on the recipient of the information. Whenever redirected outside of Sleek, we encourage you to read the provider’s relevant privacy policy in order to have a better understanding of how your data is being processed.

4. Processing of Personal Data

Where we collect Personal data, we will only process it:

a) To perform a contract with you, or

b) Where we have a legitimate interest to protect the Personal Data which is not overridden by your rights, or

c) In accordance with a legal obligation, or

d) Where we have your consent.

Please note that if you choose not to provide us with your Personal Data or choose not to consent to our processing of your Personal Data, we may not be able to provide some or all of our Services to you or respond to your other requests; for job applicants, we would not be able to evaluate your suitability against our employment opportunities.

5. Sharing Information Outside Sleek

Sleek shares information with external parties that are performing tasks on our behalf (including data processors and sub-contractors) and with other companies, organisations, government bodies, and individuals outside Sleek where we have a legitimate legal reason for doing so (for example, in connection with any merger or acquisition or to comply with a court order) or where we have been instructed to share the information on behalf of our clients.

6. Consent

Unless otherwise authorised under the APP, PDPA, PDPO, GDPR or any other applicable law, Sleek will not collect, use, or disclose your Personal Data without your knowledge and consent. Sleek will highlight the Purposes relevant to you, by appropriate means, at the point or time of collection of your Personal Data.

Sleek may obtain your consent by any of the following means:

a) via express provisions in a contract, application form, and/or registration form to be signed with or submitted to Sleek;

b) via notifications on Sleek’s websites;

In so far as any Purpose(s) are intrinsic to the relationship or provision of services, Sleek reserves the right to decline to engage in the relevant relationship or to provide the relevant services to you if you do not consent to Sleek’s collection, use or disclosure of your Personal Data for such purposes.

If you:

  • voluntarily provide Personal Data to Sleek for any specified purpose;
  • use or access Sleek’s website(s) or computer network;
  • enter Sleek’s premises or use any of the facilities thereon; and/or
  • attend or participate in events or programmes organised by Sleek

You will be deemed to have agreed and consented to Sleek collecting, using and/or disclosing their Personal Data in the manner and for the purposes set forth in this Privacy Policy.

If you provide Sleek with Personal Data relating to a third party (e.g. information of his or her spouse or children) for any particular purpose, you represent to Sleek that you have obtained the consent of the relevant third party for Sleek to collect, use or disclose such Personal Data for the relevant purpose.

Where consent is not obtained Sleek may collect, use and disclose personal data pursuant to an exception under the PDPA law. For example, we may rely on Public Interests Exception in order to respond to an emergency that threatens the life, health and safety of an individual.

7. Disclosure of Personal Data

A cookie is a small piece of data that is stored on your computer or mobile device.

There may be occasions where we may need to share your Personal Data with third parties. Sleek will disclose your Personal Data only in the following circumstances:

a) to Sleek’s third-party service providers or agents;

b) to Sleek’s auditors and professional advisors;

c) to regulators, law enforcement bodies, government agencies, courts or any other third party to whom disclosure is permitted or required by any applicable law or regulation;

d) to other parties where we have your consent.

8. Request to Withdraw Consent

You have the right to withdraw your consent to the collection, use, and/or disclosure of your Personal Data in the possession of Sleek by submitting your request to Sleek’s Data Protection Officer at [email protected] at any time.

We will process your request to withdraw consent within a reasonable time after it is received. After that time, we will not collect, us,e and/or disclose your Personal Data in the manner stated in your request.

Your withdrawal of consent could affect the services that we are able to provide to you. Depending on the extent of your withdrawal of consent for us to process your Personal Data, it may mean that we are not able to continue with our existing business relationship.

9. Cookies

We may place and access certain cookie on your computer and/or any electronic device used to access the Website. We use cookies to improve your experience using the Website and to improve our Services. We have taken steps to ensure that your privacy is protected and respected at all times. With regards to data that is collected by cookies, you may disable the use of cookies on your internet browser when accessing Sleek’s Website. However, disabling the use of cookies may result in the loss of functionality, restrict your use of the website and/or delay or affect the way in which Sleek’s website operates.

10. Security of Personal Data

Sleek shall make reasonable security arrangements to prevent unauthorised access, collection, use, disclosure, copying, modification, disposal, or similar risks to Personal Data in its possession.

If Sleek transfers Personal Data outside of Singapore (or Hong Kong, in the case of our Hong Kong operations), Sleek will take reasonable steps to ensure that such Personal Data transferred receives a standard of protection comparable to the protection received under the PDPA and PDPO and such transfer shall be subject to this Policy.

Sleek will ensure that third parties who receive Personal Data from Sleek protect such Personal Data in a manner consistent with this Policy and not use such Personal Data for any purposes other than those specified by Sleek, by incorporating appropriate contractual terms in its written agreements with third parties.

Sleek is not responsible in any way for the security and/or management of Personal Data shared by you with third-party websites accessible via links on the Sleek website.

In the event of a breach of security in respect of any Customer Data, Sleek shall promptly (but as soon as practical from a security perspective) provide notice of such breach to the Customer and any individuals acting on behalf of such Customer, setting out the extent of the breach, the affected Customer Data and any steps taken by Sleek to remedy and limit the consequences of the breach. Notwithstanding the foregoing, where Sleek determines that the PDPA allows Sleek not to provide notification in respect of a breach, Sleek may choose not to inform the Customer of such breach immediately or at all.

11. Third party websites

Our Website may, from time to time, contain links to and from the websites of our partner networks and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility for them. Please check these policies before you submit any personal data to these websites.

12. Accuracy of Personal Data

Information voluntarily provided by you to Sleek shall be deemed complete and accurate.

Sleek will take reasonable steps to verify the accuracy of Personal Data received at the point of collection, but you will remain primarily responsible and liable to ensure that all Personal Data submitted by you to Sleek is complete and accurate.

Sleek will also take reasonable steps to periodically verify the Personal Data in its possession, taking into account the scope of its operations. However, you remain responsible for notifying Sleek, from time to time, of any applicable changes to your Personal Data. You can amend your Persona Data on the Sleek Platform or you may notify our customer success team of any changes to your Personal Data by email at [email protected], or you may contact the Personal Data Officer by email at [email protected] at any time.

Sleek shall not be held liable for any inability on its part to provide services to you if you fail to ensure that your Personal Data submitted to Sleek is complete and accurate.

13. Access to and correction of Personal Data

In general, the rights afforded to individuals are:

a) Right to Access

The right to be informed of and request access to the Personal Data that we process about you. This will enable you to check what Personal Data we are processing and whether the processing is lawful.

We will respond to your access request as soon as reasonably possible. Should we not be able to respond to your access request within 30 days after receiving your access request, we will inform you in writing via email within 30 days of the time by which we will be able to respond to your request. If we are unable to provide you with any personal data requested by you, we shall generally inform you of the reasons why we are unable to do so (except where we are not required to do so under the PDPA or under any other applicable laws).

b) Right of Correction/Rectification

The right to request that we amend or update your Personal Data where it is inaccurate or incomplete. Kindly note that while we shall make a reasonable effort to ensure that the Personal Data we collect is accurate and complete, you are responsible for ensuring the accuracy of the Personal Data that you provide to us directly.

We will respond to your correction request as soon as reasonably possible. Should we not be able to perform the correction request within 30 days after receiving your request, we will inform you in writing via email on the time by which we will be able to perform your correction request. If we are unable to perform a correction requested by you, we shall generally inform you of the reasons why we are unable to do so (except where we are not required to do so under the PDPA or under any other applicable laws).

c) Right to Withdrawn Consent

You have right to withdraw your consent at any time, where consent is the legal basis of the processing of your Personal Data. Kindly note that depending on the nature and scope of your request, we may not be in a position to continue performing our obligations in the course of or in connection with the Event to you.

For individuals covered by the GDPR, they also have the following rights (as available and subject to any applicable law):

d) Right to Erasure

The right to request that we temporarily or permanently stop processing all or some of your Personal Data.

e) Right to Object

The right to object to your Personal Data being processed by us for direct marketing purposes, or to, at any time, object to us processing your Personal Data on grounds relating to your particular situation

f) Right to Data Portability

The right to request a copy of your Personal Data in electronic format and the right to transmit that Personal Data for use in another party’s service.

g) Right not to be subject to Automated Decision-making

The right to not be subject to a decision based solely on automated decision-making where the decision would have a legal effect on you or produce a similarly significant effect.

If we send you electronic marketing messages (i.e, newsletters) based on your consent or as otherwise permitted by applicable law, you may, at any time, respectively withdraw such consent or declare your objection at no cost. The electronic marketing messages you receive from Sleek will also include an “unsubscribe” option within the message itself to enable you to manage your Personal Data. Please note that if you opt out of receiving direct marketing materials, we may still send you non-promotional messages, such as receipts or information about the Services we are providing to you.

Additionally, you have the right at any time to lodge a complaint with your local Data Protection Authority if you are unhappy with the way in which we are using your Personal Data.

To enable you to exercise these rights with ease and to record your preferences concerning how Sleek uses your Personal Data, you may email us at [email protected].

For more information on how we respond to your requests click here.

14. Retention of Data

The length of time that we keep your Personal Data depends on what it is and whether we have an ongoing business need to retain it.

We will only retain your data for as long as we have a business relationship with you and for a period of time afterward where we have an ongoing business need to retain it, or where we are required by law to retain it.

Upon the expiry of time relating to any business needs or legal requirements to retain your Personal Data, we will ensure that your Personal Data is deleted or anonymised.

If you wish to know more about our retention policies, kindly email your request to [email protected].

15. Overseas Transfer

In the provision of our Services, the Personal Data we collect may be transferred to and processed by third parties in other countries. In all such instances, Sleek shall ensure that the transfer of your Personal Data is carried out in accordance with any applicable laws and that appropriate safeguards (e.g. contractual, technical and organizational measures) are put in place before such transfer takes place.

16. Making a complaint

You are welcome to contact us if you have any complaint or grievance about how we are handling any Personal Data in our control or possession.

To make a complaint, you can:

a) Contact our Data Protection Officer via email at [email protected];

b) Contact us by telephone during our office hours (9:00 am to 6:00 pm) at +65 6909 2214;

c) Visit us in person at our Singapore office during our office hours (9:00 am to 6:00 pm).

17. Use of Artificial intelligence (AI)

We may use Artificial Intelligence (“AI”) technologies to enhance and streamline our services. These include, but are not limited to:

  • Personalising content and recommendations;
  • Automating customer support interactions;
  • Analysing usage patterns to improve platform functionality; and
  • Detecting fraudulent or suspicious activity.

Our AI systems may process personal data you have provided (e.g., profile information, service usage data) and aggregated or anonymised interaction data. We do not use sensitive identifiers (such as NRIC/FIN, passport details, or biometric data) for AI model training.

Certain features may involve automated analysis to offer tailored services or detect anomalies. These automated processes do not solely determine your eligibility for our services. You may request a review of any AI-assisted decision by contacting our Data Protection Officer.

We monitor our AI systems to reduce bias and ensure fairness. Where inaccuracies or unintended outcomes are identified, we take corrective action, which may include retraining or adjusting models.

Data processed or generated by AI systems will be retained only as long as necessary to fulfil the purposes described in this Policy, and is safeguarded through encryption, access controls, and other security measures.

You have the right to opt out of AI-based personalisation or profiling features where applicable. Requests may be submitted to our Data Protection Officer ([email protected])

17. Miscellaneous

If any provision of this Policy shall be held to be illegal, void, invalid or unenforceable under the laws of any jurisdiction, the legality, validity and enforceability of the remainder of this Policy in that jurisdiction shall not be affected, and the legality, validity and enforceability of the whole of this Policy in any other jurisdiction shall not be affected.

Nothing in this Policy shall be construed as Sleek providing an indemnity to any Customer in relation to any Customer Data or use thereof. Sleek expressly excludes liability or any losses which the Customer may suffer on account of Sleek’s collection, storage, or use of Customer Data in accordance with this Policy. In any event, Sleek expressly excludes any liability to the Customer which are in the nature of indirect or consequential losses, special losses, loss of profits, loss of contracts, loss of reputation or goodwill, or other tangential or intangible losses that a Customer may suffer on account of a breach of this Policy by Sleek or any of its agents or service providers.