Effective date: 28 April 2025

These terms of service (“Terms”) constitute a contract between Customer (“Customer”) and Summit Global Pte. Ltd. a company incorporated in Singapore, having its registered office at 36 Carpenter Street, #02-01 Carpenter Haus, Singapore 059915 (“Summit” "we", "us" and / or "our") and govern the use of our website at https://summitglobal.com (“Website”) and/or Summit technological platform (made available by mobile application and web interface) managed by Summit that makes reference to the Terms (the "Applications") and the Service (as defined below).  The Website and Applications shall be collectively referred to as “Summit Platform”.

These Terms applies to:

• Customer; and
• User (defined below). 

(collectively referred to as (“you” or “your”).  The Customer and Summit are collectively referred to as “Parties” and individually as “Party”. 

These Terms are supplemental to the Order Form and forms an integral part of the Agreement thereof.  In the event of any inconsistency and/or conflict in the interpretation of the Order Form and these Terms, the terms and conditions of these Terms shall prevail.

By signing the Order Form and / or by accessing and / or using the Service and / or Summit Platform or authorising or permitting any User (defined below) to access or use the Service or Summit Platform, the Customer and User (defined below) agree to be bound by these Terms.  If you do not have such authority, or if you do not agree with these Terms, you must not accept these Terms and should not use the Service (defined below), or continue accessing the Summit Platform.

We reserve the right, in our sole discretion, to amend and may revise these Terms at any time, without prior notice.  Any such amendments will become effective immediately upon posting to the Summit Platform and will supersede any prior versions.  

Your continued access and/or use of the Summit Platform and Service (as defined below) will constitute your acceptance of these Terms and any subsequent amendments. It is your responsibility to periodically check the Summit Platform for any amendments to these Terms.

1. ORDER FORM - SERVICE AND SUBSCRIPTION

1.1. Summit offers hosted integrated spend management through employee expense management and / or vendor invoice management through the Summit Platform (collectively, the "Service").

1.2. The Customer will need to subscribe to our Service (“Subscription”).  The terms of the Subscription including but not limited to: 

a) the duration of Subscription (“Subscription Period”);

b) the fixed fees for access and use of Summit Platform and Service and (“Subscription Fee”);

c) the number of Users permitted under the Subscription;

d) the number of transactions allowed under the Subscription;

e) any additional add-on features subscribed (“Add-Ons”); and

f) any additional details in relation to the Subscription 

shall be set out in each order form ("Order Form") provided by and entered with Summit and the Customer (collectively referred to as "Subscription Plan"). 

1.3. Any unused entitlements of the Subscription Plan will be forfeited. There is strictly no refunds or rollover of any unused entitlements.

1.4. The Subscription Fee may change following any upgrade to the current Subscription Plan or purchase of Add-Ons during the Subscription Period.

1.5. In the event that there are any changes to the Subscription Plan and /or Subscription Fee, we will communicate such changes to the Customer in advance and, if applicable, how to accept those changes.

2. ONBOARDING AND ACCOUNT

2.1. As part of the onboarding process, Summit will need the Customer to designate an employee to be an administrator and such administrator may designate roles for  other employee(s) to be users (collectively referred to as “User”).  Summit, upon authorising the User, will provide access to the Service to such User access to the Summit Platform to create a user Account (“Account”). 

2.2. All Users must create a unique username and password ("Account Credentials") for their Account in order to access the Service and Summit Platform, subject to these Terms.

2.3. Access to the Summit Platform and use of the Service are limited to the number of Users permitted under the Subscription Plan. If we identify instances of account sharing or usage exceeding the permitted number of Users, we may, at our sole discretion, adjust our invoice accordingly.

3. INVOICE AND PAYMENT TERMS

3.1. In consideration of the Service, Summit will invoice the Customer the Subscription Fee, Add-Ons and any other amounts, from time to time, based on the agreed Subscription Plan and Subscription Period (“Invoice”) . 

3.2. The Customer agrees to pay all invoiced amounts in full within fifteen (15) calendar days from the date of invoice (“Invoice Due Date”).

3.3. At the time of signing an Order Form and at all times during the Subscription Period, the Customer is required to provide and maintain a credit or debit card upon.  All invoices Subscription will be automatically charged to the provided credit or debit card on the Invoice Due Date.  

3.4. Where applicable, the Customer shall bear and be solely responsible for the payment of all applicable taxes, duties, levies, charges, foreign exchange fees, and withholdings (including any withholding taxes), imposed by any governmental or taxing authority in connection with payments made under this Agreement. 

3.5. If the Customer disputes any charges, the Customer must notify Summit in writing within five (5) calendar days from the date of receipt of invoice.   Thereafter, it is deemed to have been accepted by the Customer without limitation.

3.6. If full payment is not paid by the Customer on or before the Invoice Due Date, Summit reserves the right to:

a) apply a late payment interest of 1.5% per month on the outstanding balance until paid in full ; and/or  

b) suspend your access to the Service (including restricting access to the Summit Platform) until the outstanding amount is settled.  

For avoidance of doubt, such suspension of Service shall not constitute a breach on Summit’s part.

4. AUTO-RENEWAL OR TERMINATION

4.1. The Agreement shall remain valid and continue until terminated by either Party in accordance with these Terms.

4.2. Summit may at any time and without liability to the Customer terminate this Agreement including the provision of the Services. In such cases, Summit will endeavour to provide the Customer with not less than fourteen (14) calendar days’ written notice. However, in certain cases, Summit may terminate the Account, the Service or the Agreement by providing shorter notice or providing notice with immediate effect.

4.3. The Customer may terminate this Agreement at any time by providing Summit with no less than thirty (30) calendar days’ written notice to us. However, no such termination will affect any instructions given by the Customer which is properly received by Summit before the receipt of such notice or any action Summit before the receipt of such notice. 

4.4. Upon completion of the Subscription Period, the Subscription Plan will automatically renew for the same duration as per the current Subscription Period, unless otherwise terminated under Clauses 4.2 and 4.3.

4.5. The Customer acknowledges that in the event of termination during the Subscription Period, Summit will not be liable to refund any unused portion of the Subscription Fee for the remaining Subscription Period. However, if the Customer terminates due to a material breach by Summit, the Customer won’t be required to pay any Subscription Fee for the period in breach—as long as the Customer provides written notice of the breach and gives Summit at least thirty (30) calendar days to cure such breach. 

4.6. Upon termination of the Agreement, for any reason whatsoever, the Customer acknowledges, understands and agrees that:

a) The Customer must immediately pay, in addition to other amounts that the Customer may owe Summit under the Agreement, any unpaid Subscription Fees associated with the remainder of such Subscription Term; and

b) We will proceed to permanently delete all Data may be permanently deleted in accordance with our Privacy Policy, and, once deleted, we will not be able to assist you further.

5. WARRANTIES, CONDITIONS AND RESTRICTIONS

5.1. The Customer represents, warrants and undertakes that the Customer  shall, at all times:

a. allow access to the Summit Platform and Service only to a User who have valid legally executed employment agreements and currently employed with the Customer;

b. not transfer, lease, rent, assign, sublicense or resell the Service, in whole or in part, unless permitted by Summit in writing;

c. obtain and maintain necessary rights, approvals, licences and consents  required in relation to the Data (defined below); and

d. where the Data contains personal data of User; collect, use, process, disclose or transfer such Data to Summit and its Affiliates in compliance with Summit’s Privacy Policy (and other supplemental agreements) and applicable personal data laws; and

e. be solely responsible and vicariously liable, for User’s compliance and non-compliance with these Terms and for any and all acts or activities (including but not limited to acts or omissions) that occur during the Subscription Period. 

5.2. You further agree to:

a) provide true, accurate, current and complete data (including Personal Data), documents and information (“Data”) as required by us, from time to time, to facilitate access, use and provision of the Service  in an efficient manner;

b) access and use the Summit Platform for its intended purposes;

c) comply with all applicable laws, regulations, guidelines, directions, instructions and limitations concerning your use of the Service, as may be issued by us from time to time;

d) safeguard the Account Credentials and keep it secure at all times;  

e. use commercially reasonable efforts to prevent unauthorised access to and/or use of the Service or Platform, and shall notify Summit promptly of any such unauthorised access or use;

f) ensure to use equipment which is compatible and complies with all configurations and specifications set forth in our current published policies then in effect;

g) promptly notify us and upon reasonable request by us, provide all necessary information, cooperation and assistance as may be necessary to address any:

i. technical issues arising from the use of the Summit Platform or Service; and

ii. unauthorised access to and/or use of the Summit Platform or Service.

h) provide full cooperation in assisting Summit to cure any breach.  Any repeated failure to respond (minimum 3 attempts) or failing to provide any reasonable information, you agree that such breach is deemed cured.

5.3. You agree not to:

a) provide access to or make available the Summit Platform and Service for the benefit of any third party;

b) use or access the Summit Platform or Service in any manner which may impair functionality and ability or be viewed to be objectionable, (in our sole and absolute discretion and judgment) illegal or prohibited under applicable laws, or which may result in economic or reputational harm to Summit;

c) interfere with or disrupt the integrity or performance of the Service(s) or Platform;

d) attempted or actual interference to disrupt or prejudice the commercial exploitation or legitimate interests of Summit in any Service of Summit Platform, whether current or in the future;

e) attempt to or take any action to gain unauthorised access, reverse engineer, modify, decrypt, disassemble, copy or decompile any part of the Summit Platform or permit anyone else to do so (to the extent such restriction is permitted by law); 

f) attempt to or send, knowing receive, upload, download, use or re-use any material which:

i. is defamatory, obscene, hateful, discriminatory or inflammatory;

ii. promotes violence, discrimination or illegal activity; or

iii. infringes any intellectual property rights, right of confidentiality or right to privacy;

iv. transmits, or procures the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);

v. generates and/or cause congestion to our network traffic in excess of reasonable and normal usage;

vi. causes any disruption, interference, interruption or degradation in our network and/or the Summit Sites; or

vii. knowingly transmits any data, send or upload any material that contains any viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other technologically harmful programs, data or code.

g. access or use the Service or Summit Platform to build a similar or competitive product or service.

h. share the Service or Summit Platform in another country, person, entity, or End User in violation of the applicable data laws and Summit’s Privacy Policy.

5.4 You understand and acknowledge that:

a) Summit is not liable nor responsible for the validity, veracity, quality and legality of any Data provided by you in the Summit Platform and as part of the Service;

b) Summit has no obligation to monitor any portion of your access or use of the Service or Summit Platform.  However, Summit shall have the right to monitor the Service and Summit Platform, and disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Service and Summit Platform properly, or to protect the Service and Summit Platform, without providing you any prior notice.

c) While Summit strives to protect personal data, we cannot always guarantee the security of any information you disclose online, Summit will have no liability to you for any unauthorised access or use of any of your Data, or any corruption, tampering, deletion, destruction or loss of any of your Data.

d) Summit, in its reasonable discretion, may modify, suspend, or terminate your access to and use of the Service or Summit Platform:

i. during planned downtime for upgrades and maintenance to the Service or Summit Platform (of which Summit shall use commercially reasonable efforts to notify you in advance);

ii. during any unavailability caused by circumstances beyond Summit’s reasonable control, without limitation, technical failures (such as inability to access the internet or failure of infrastructure systems), acts of war, acts of terror or other civil unrest, acts of vandalism, natural disaster or other acts of god, strikes, unavailability of energy sources, acts of government, pandemics, epidemics or acts undertaken by third parties, including without limitation, distributed denial of service attacks collectively, "Force Majeure Events"); or

iii. without prior notice, if Summit suspects or detects any malicious software connected to your Account or use of the Service or Summit Platform by you.

5.5. If you breach any these Terms, Summit reserves the right, in its sole and absolute discretion, to without prior notice:

a) temporarily or permanently revoke your access or use of  the Service and / or  the Summit Platform.

b) refuse to transmit or to remove any information or materials, in whole or in part, that Summit deems unacceptable, undesirable, inappropriate or in violation of any law or these Terms.

We will try to provide advance notice when possible, but in urgent cases, we may take action without prior warning. If we suspect fraudulent, abusive, or illegal activity, we may refer the matter to law enforcement and pursue legal action if necessary.

6. INTELLECTUAL PROPERTY

6.1. Summit and their licensors (as the case may be) exclusively retain ownership, title, rights and interest in and to the Summit Platform and Service including all of their related intellectual property rights (including copyright, trademarks, service marks, trade secrets, registered and unregistered design rights, moral and derivative rights etc.) (“IP”). Notwithstanding anything contrary in any of the Terms, no right of any sort is granted to you or User hereunder other than as expressly set forth herein. 

6.2. You acknowledge and understand that the Summit Platform and Service contains proprietary and confidential information that is protected by the applicable IP laws.  Subject to the Terms, Summit grants you a non-exclusive, non-transferable, revocable, limited license to use the Summit Platform solely for the purpose of accessing and using the Service during the Subscription Period.

6.3. In using the Service and Summit Platform, the Customer shall grant to Summit a worldwide, non-exclusive, perpetual, royalty-free, sub-licensable license to use, copy, store, transmit, display, modify and create derivative works of Data, suggestion, enhancement request, recommendation or other feedback received by Summit to provide, manage and improve the Service and related services, as well as to provide support to the Customer, as the case may be. 

7. CONFIDENTIAL INFORMATION

7.1. The Parties acknowledge that in the course of dealings, each party may acquire information about the other party, its business activities and operations, its technical information and trade secrets, its business activities, customer lists, sales techniques, data and title files and formats, all of which are highly confidential and proprietary to the other party (the "Confidential Information"). Confidential Information will not include information generally available or known to the public, or information independently developed outside the scope of this Agreement. Each party will hold all such Confidential Information in strict confidence and will not use or reveal the same except pursuant to a court order (after giving notice to the other party and an opportunity to challenge or respond to such order) as permitted under this Agreement or upon request of the other party. The Confidential Information will be safeguarded with at least the same degree of care as a party uses to safeguard its own most confidential materials or data relating to its own business, but in no event less than a reasonable degree of care.

7.2. Clause 7.1 shall not prohibit disclosure of any Confidential Information if and to the extent:

a) required by applicable laws;

b) the information is properly disclosed to the professional advisors, auditors or bankers of the disclosing party, provided that the recipient is under a binding obligation not to disclose the information;

c) the information is in the public domain, other than through a breach of Clause 7.1;

d) the Party to which the information relates has consented to the announcement or disclosure; or

e) the disclosure is required for the purpose of any legal proceedings arising out of this Agreement.

8. PRIVACY

8.1. This Privacy Policy, made available at https://summitglobal.com/legal, sets out the basis on which we collect, use, process and disclose any personal data we collect from you, as a subscriber and user, of Summit Platform. 

8.2 The terms of the Privacy Policy and other supplemental agreements are an integral part of these Terms and are deemed to be incorporated into these Terms, such that any reference to the "Terms" shall include the terms of the Privacy Policy as so incorporated.

9. EXPORT AND JURISDICTIONAL ISSUES

9.1. Each Party to this Agreement shall comply with the export laws and regulations of the Republic of Singapore and other applicable jurisdictions in providing and using the Service. Without limiting the generality of the foregoing, the Customer shall not make the Service available to any person or entity that:

a) is located in a country that is subject to a Singapore government embargo or sanction; or

b) is listed on any Singapore government list of prohibited or restricted parties.

9.2. We make no representation that Service or Summit Platform are appropriate for use outside Singapore. Those who choose to access and use the Service or Software from outside Singapore do so on their own initiative and at their own risk and are responsible for compliance with applicable local laws. By using our Services or Summit Platform, you have consented to having your Personal Data (as defined in our Privacy Policy) transferred to and processed in Singapore, subject to the restrictions on such Data as provided in our Privacy Policy as may be updated from time to time.

10. DISCLAIMER OF WARRANTIES

10. The Summit Platform and Service are provided on an "as is" and "as available" basis, without any express or implied warranties. Notwithstanding anything contract stated in the Agreement and to the fullest extent permitted by applicable law, Summit disclaims all warranties, representations, or endorsements, including but not limited to those relating to availability, access, accuracy, security, content, non-infringement, title, merchantability, or fitness for a particular purpose.

10.2. This disclaimer applies to any damages or disruptions arising from the use of the Summit Platform or Service, including but not limited to performance failures, errors, omissions, interruptions, defects, transmission delays, viruses, communication failures, theft, destruction, unauthorized access, or Data use or alterations.

11. LIMITATION OF LIABILITY

11.1. Neither Party be liable to the other Party, whether in contract, tort (including negligence) or otherwise, for any loss of profit, loss of revenue, goodwill, business interruption, or punitive damages for any indirect and consequential loss arising out of a breach, or otherwise in connection with these Terms (provided that this clause does not limit the Customer’s obligation to pay any Fees for the Service which are due), even if such Party has been advised of the possibility of such damages or if such remedy otherwise fails of its essential purpose.

11.2. The cumulative liability of Summit to you for any and all claims arising under or in connection with this Agreement, whether in contract, tort (including negligence), or otherwise, shall not exceed the Subscription Fee paid by the Customer to Summit during the six (6) months preceding the event giving rise to such liability. This limitation does not affect the Customer’s payment obligations under this Agreement.

12. INDEMNIFICATION

12.1. Subject to the limits set in Clause 11.2 of these Terms, Summit will indemnify and hold the Customer harmless, from and against any claim against you by reason of your use of the Service as permitted hereunder, brought by a third party alleging that the Service infringes or misappropriates a third party’s valid patent, copyright, trademark or trade secret (an "IP Claim").  Summit shall, at its expense, defend such IP Claim and pay any damages finally awarded by a court or administrative tribunal against the Customer in connection with such IP Claim,, provided that:-

(a) the Customer promptly notifies Summit in writing of the threat or notice of such IP Claim;

(b) Summit will have the sole and exclusive control and authority to select the defence attorneys to defend and/or settle any such IP Claim; and

(c)  at Summit’s expense, you fully cooperate with and provide all reasonable assistance to Summit in connection therewith.

12.2. If use of or access to the Service or Summit Platform by you has become, or in Summit’s sole and absolute opinion is likely to become, the subject of any such IP Claim, Summit may at its sole and absolute discretion and expense:-

(a) allow you the right to continue using the Service or Summit Platform as set forth in these Terms and/or any other terms and conditions which Summit shall impose;

(b) replace or modify the Service or Summit Platform to make it non-infringing; or

(c) if options (a) or (b) are not commercially and reasonably practicable as determined by Summit in its sole and absolute discretion, terminate the Subscription and refund the Customer, on a pro-rated basis, any prepaid portion of fees attributable to the remainder of the term of the Subscription that is unutilised.

12.3. Summit will have no liability or obligation under this indemnification section with respect to any IP Claim if such claim is caused in whole or in part by, directly or indirectly:-

(a) compliance with Data, instructions or specifications provided by you;

(b) modification of the Service, Software or Summit Platform by anyone (including our authorised services providers) other than Summit; or

(c) the combination, operation or use of the Service or Summit Platform with any other hardware or software where the Service would not by itself be infringing.

12.4. The provisions of this indemnification section state the sole, exclusive and entire liability of Summit (if any) to the Customer , and shall constitute the Customer’s sole and only remedy with respect to an IP Claim brought by reason of access to or use of the Service or the Summit Platform by you.

12.5. By using or accessing the Service or Summit Platform, the Customer agrees to indemnify and hold Summit harmless from and against any claims brought by third parties against Summit arising in connection with or related to the Data or unauthorised use or access of the Service or Summit Platform by you or in breach of any of the provisions set forth in the Agreement, provided that Summit promptly notifies the Customer of the threat or notice of such a claim.

13. FORCE MAJEURE

13.1. Neither party shall be liable for any failure or delay in performing its obligations under this Agreement (except for the Customer’s payment obligations under the Agreement) due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, strikes, labour disputes, government actions, pandemics, or supply chain disruptions (“Force Majeure Event”). The affected party shall notify the other party promptly and use commercially reasonable efforts to mitigate the impact of the Force Majeure Event.

14. THIRD PARTY SOFTWARE INTEGRATION

14.1. The Customer may be able to integrate, enable, access or use Third Party Software, the Customer understand and agree that any access and use of such Third Party Software is governed solely by the terms and conditions of such Third Party Software, and Summit does not endorse, is not responsible or liable for, and makes no representations as to any aspect of such Third Party Software, including, without limitation, their content or the manner in which they handle data (including your Data) or any interaction between the Customer and the provider of such Third Party Software. 

14.2. The Customer hereby agrees to irrevocably waive any claim against Summit with respect to such Third Party Software. Summit is not liable for any damage or loss caused or alleged to be caused by or in connection with any integration, enablement, access or use of any such Third Party Software, or any reliance on the privacy practices, data security processes or other policies of such Third Party Software. 

14.3. The Customer may be required to register for or log into such Third Party Software on their respective websites. By integrating, enabling any Third Party Software, the Customer is expressly permitting Summit to disclose your Account Credentials as well as any content (including your Data) as necessary to facilitate the integration or enablement and use of such Third Party Software. 

14.4. For the purpose of this clause, “Third Party Software” collectively refers to third party products, applications, services, software, products, networks, systems, directories, websites, databases and information which the Service links to, or which the Customer may connect to, integrate, or enable in conjunction with the Service, including, without limitation, products or services provided by third parties and affiliates of Summit.

15. MISCELLANEOUS

15.1. Agreement -  Agreement includes any and all documentation related to the Service and Summit Platform including but not limited to - these Terms, Additional Terms, Order Form, Privacy Policy, and any related agreements, referenced exhibits, appendices, annexes, terms, orders, or policies or subsequent amendments made thereto. This Agreement supersedes all prior agreements, negotiations, representations, warranties, communications, or understandings between the Customer and Summit with regard to the subject matter hereof.

15.2 Additional Terms - Certain features of the Service may be subject to additional Terms, which supplement these Terms upon activation of the relevant feature. In case of a conflict between these Terms and the Additional Terms, the Additional Terms shall prevail.

15.3. Severability - If any provision of the Agreement is found to be illegal, invalid, or unenforceable, it shall be modified to reflect the original intent as closely as possible in accordance with applicable law. The remaining provisions shall continue in full force and effect.

15.4. Assignment & Transfer - The Customer may not assign, transfer, or sublicense the Agreement without Summit’s prior written consent. Summit may transfer, assign, or sublicense its rights and obligations under this Agreement to any subsidiary, affiliate, successor, or third party without prior notification, provided such transfer occurs due to a merger, acquisition, restructuring, or sale of the business.

15.5. Survival - The provisions of this Agreement which by their nature are intended to survive termination or expiration of this Agreement shall so survive, including, without limitation, provisions regarding intellectual property rights (Clause 6), confidentiality (Clause 7), limitation of liability (Clause 11) indemnification (Clause 12) and dispute resolution (Clause 15.10). Such provisions shall remain in full force and effect notwithstanding the termination or expiration of this Agreement for any reason.

15.6 No Partnership - Nothing in this Agreement shall constitute a partnership or establish a relationship of principal and agent or any other relationship of a similar nature between or among the Parties.

15.7. Third-Party Rights - Any person or entity who is not the contractual named party to this Agreement (including the Users) has no right under the Contracts (Rights of Third Parties) Act 2001 (Singapore) to enforce any term of this Agreement.

15.8. Waiver - No provision shall be deemed waived unless explicitly stated in a written document signed by a duly authorised Summit officer (CEO or Director). Summit’s waiver of any breach of this Agreement shall not constitute a waiver of any subsequent breach.

15.9. Notices - All notices required to be sent to either Party under this Agreement will be sent via the Summit Platform or support@summitglobal.com copied to legal@summitglobal.com.

15.10. Governing Law -  The Customer acknowledges that the Customer is transacting with Summit in Singapore. The laws of the Republic of Singapore govern this Agreement.

15.11. Dispute Resolution:

a) Before commencing any legal proceedings, Parties agree to, in good faith, try and resolve any dispute amicably.

b) Any and all disputes arising out of or in connection with this Agreement, including any question regarding its existence, validity or termination, shall be exclusively referred to and finally resolved by arbitration administered by Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the Singapore International Arbitration Centre (“SIAC Rules”) for the time being in force at the commencement of the arbitration, which rules are deemed to be incorporated by reference in this clause. The seat of the arbitration shall be Singapore. The Tribunal shall consist of one (1) arbitrator.  The language of the arbitration shall be English.

c) The Parties further agree that following the commencement of arbitration, they will attempt in good faith to resolve the disputes referred to arbitration through mediation at the Singapore Mediation Centre (“SMC”). Any settlement reached in the course of the mediation shall be referred to the Arbitral Tribunal appointed in accordance with the rules and may be made a consent Award on agreed terms.

d) The Customer acknowledges and agrees that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or Summit Platform must be filed within one (1) year after such claim or cause of action arose or be forever barred.

If you have any concerns or questions about this Terms of Service, please contact our Support Team at support@summitglobal.com. 

Effective date: 28 April 2025

1. Introduction

Summit Global Pte Ltd (“Summit”) (UEN No. 202422965N) (and its affiliates) recognise the importance of properly managing, protecting, and processing your personal data or information or sensitive personal data (“Personal Data”).  Personal Data is defined under Section 2 of the Personal Data Protection Act, 2012 (Singapore). 

This Privacy Policy (interchangeably used as “Privacy Notice” or “Privacy Statement”) outlines the principles for the collection, use, processing, and transfer of Personal Data, as well as your rights and choices regarding your Personal Data in connection with the Service and Summit Platform in Singapore.

2. Scope

This Privacy Policy applies to:

- all our employees (current and prospective), Customers (current and prospective), as well as the general public visiting our Website (collectively referred to as “You” or “Your”). 
- Customer’s employees i.e. User, but however, limited to those circumstances where Summit collects Data directly from such User.
- Personal Data that we collect to provide you access to Service and Summit Platform.

This Privacy Policy will not apply to:

- Customers who use Summit as a service provider.

- Employee of our Customer (i.e. User). For information on User’s privacy rights and your employer’s (i.e. our Customer) privacy practices, please refer to your employer’s (i.e. our Customer) privacy policy. Under applicable data laws, we are a Data Processor and your employer (i.e. our Customer) is the Data Controller.

- anonymized, de-identified or aggregate information of Personal Data.

- any and all business contact information provided to Summit for the purpose of business transactions with Summit.

- any and all business contact information provided to Summit by you (including User) (which was collected from or disclosed by third parties) for the purpose of use of Service and / or Summit Platform.

Business Contact Information and Data Intermediary are defined under Section 2 of the Personal Data Protection Act, 2012 (Singapore).

In some instances, Summit may combine data and information (which may include Personal Data) (“Data”) you have provided to us with Data received from the Customer for the Purposes stated herein. 

3. Summit as Service Provider / Processor

Summit’s Customers are corporate entities who use our Service through the Summit Platform.  Summit acts as a data intermediary processing Data in such Service only according to the Customer’s instructions (“Data Processor”).

‘Data Intermediary’ is defined under Section 2 of the Personal Data Protection Act, 2012 (Singapore). 

Any queries or requests regarding the Data management by these Users will be forwarded to the Customer.

4. When Data may be collected

The circumstances when Summit may collect from you (including User) are listed below (Please note that the following list is not exhaustive in nature):

• Request for Demo of Summit Platform and Service
• Process of Order Form
• Register for access of Summit Platform and Service
• Administration and provision of Summit Platform / Service to Customer as a service provider.
• Dissemination of information of our Service including latest promotions, new products and solutions (including Beta Service).
• Use of Summit Platform and Service (including Beta Service)
• Sign up for alerts or newsletters
• Support assistance – requests or queries or feedback
• Participate in any promotion, or survey etc.
• Referral activities made available by Summit.
• Visit our Website and Applications (through the use of cookies and other technologies)
• Visit our office premises

In circumstances where you give us Personal Data about other individuals, you confirm that you are authorised to disclose and consent, on their behalf, to the processing of such Personal Data for the Purposes described below, or other purposes for which your consent has been sought and obtained.

5. Data Collected by Summit 

The categories are listed below and for the Purposed stated herein: 

Summit collects from receiving Business Contact Information about User from Customer or their authorised third-party sources to provide access and use of Service and Summit Platform.  Business contact information may include:

• Data obtained from Customer - 
  • First name
  • Last name
  • Business email address
  • Business phone number
  • Job level
  • Functional role
  • Business Address

• User-provided Data as part of access to Service and Summit Platform -  

• • First name
  • Last name
  • Business email address
  • Business phone number
  • Job level
  • Functional role
  • Business Address

• Data collected as part of use of Service and Summit Platform -  

• • User-activity information: Payment methods, details of spending or interests and identification information, subject to the nature and use of Service subscribed by the Customer, and on behalf of the User.
  • User Preferences: marketing preferences and information relevant to selecting or market appropriate Service or offers.

• Data collected as part of interaction with us and use of the Summit Platform or the Service

• • Calls with our customer care and recording of such call, 
  • Customer or User feedback
  • Email, messages or any form communication 
  • Error logging or reporting tool that captures error report data 

• Data received from third parties – These organisations include government authorities, agencies, or individuals we believe you (including User) have authorised to provide your (including User) data or information on your behalf.

As a service provider under Section 3 of this Privacy Policy, Summit may collect more categories of Data in accordance with the Terms of Service.  However, processing-related information is not covered under this Privacy Policy, User may contact their employers (i.e. Customer) or consult their privacy policy.  Should we receive any queries and requests from the Users, we shall redirect them to our respective Customer.

6. Children’s Data 

Summit’s Service is not intended for or directed to children under the age of eighteen. If Summit is made aware that a child under the age of eighteen has provided their Personal Data, Summit will delete such information from its records.

Where any Personal Data of a child is received by virtue of their parent being an employee or prospective employee of Summit, such Personal Data is retained only after relevant consent has been obtained.  The retention period and nature of processing and handling for this type of Data will be similar and treated as if the Data is received by an employee or prospective employee of Summit.

Where any Personal Data of a child is received by virtue of their parent being an User, the privacy policy of the Customer will apply. Any queries about the same will be directed to the Customer.

7. Website Visitor Information

Where Summit collects your (including User) Personal Data when you register for an event, request information, or register for a demo or account. This information is used to set up an account and for Service-related communications.

Where Summit may use Cookies, and other similar website tracking technologies to observe your activities, interactions, preferences, transactional information, and other computer and connection information (such as an IP (Internet Protocol) address) relating to your use of our Website and Service.  For more information about cookies, please refer to Summit’s Cookie Policy made available at https://summitglobal.com/legal.

In circumstances where Summit uses log files, cookies, and similar technologies to collect information about the pages you view, links you click, and other actions you take when accessing our website or emails. If Summit collects any data from you, Summit will explain the purposes at the time of collection.

8. Multifactor Authentication

When you (including User) use Summit Platform, Summit will collect data from you to enable multi-factor authentication. 

Two-factor authentication (2FA) is a security process that adds an extra layer of protection to ensure the security of online accounts and personal data. It is a method of confirming users’ identities by requiring them to provide two different factors or pieces of information, typically a password or PIN code, and a unique code or token generated by an authentication app or device.

You (including User) will be able to choose an offered multi-factor method, which may require additional information, such as mobile number, email address, or business email or unique verification identifier.

9. How we use or process your Personal Data

We may use your (including User) Personal Data and share your (including User) Personal Data with our partners for the following purposes, purposes for which your consent has been obtained and other permitted purposes by applicable laws and regulations (“Purpose”):

• To process, administer, or manage your account and contact you as may be required for your use of the Platform and the services made available on it;
• To contact you to provide information that you requested from us;
• To store, host or back up (whether for disaster recovery or otherwise);
• For record-keeping / retention policy;
• To offer a more consistent, customised  and personalised experience to better serve needs and requirements
• To refer the Customer  to our partners offering regulated payment services
• To conduct research, analysis and development activities (including but not limited to data analytics, feedback, surveys and profiling) to improve the Summit Platform and Service;
• To diagnose website technical problems, as well as to prevent, detect, mitigate, and investigate potential security issues, as well as fraudulent or illegal activity.
• To perform compliance and risk assessments checks;
• To comply with any applicable law by responding to requests for information from public and governmental / regulatory authorities, statutory boards, compliance, investigation, inspection purposes and legal process;

10. Disclosing and Sharing your Personal Data

We may disclose your (including User) Personal Data to any of the following third parties in carrying (whether sited in Singapore or otherwise) out the purposes laid out in paragraph 3 of this Privacy Policy:

• Summit Group  - subsidiaries or affiliates;
• Professional advisers, consultants and auditors;
• Service providers, agents, contractors, delegates, suppliers or third-parties which we may appoint from time to time 
• Any person that you (including User) instruct and we believe in good faith to be your legal advisers or other professionals; and
• Relevant governmental or regulatory authority, insofar as we need to do so to keep to any applicable laws.

For avoidance of doubt, we do not sell any Personal Data that is collected or processed under this Privacy Statement.

11. International Data Transfers

Summit is located in Singapore and offers Service and Summit Platform as a global business from Singapore.  As such, we may receive Personal Data from you and transfer to a country outside your local jurisdiction for processing.  Summit has taken appropriate safeguards with respect to the protection of your privacy, fundamental rights and freedoms, and the exercise of your rights.  

For example, if Summit transfers Data from Singapore to a country outside it, such as the United States, we will also ensure that overseas organisations we partner with observe confidentiality and protection of Data we transfer to them according to a standard of data protection that is equivalent to Singapore’s PDPA or higher.

The Customer will be notified of the cross-border transfers of Data and information provided to us during the Subscription Period that will be transferred, the countries to which the information will be transferred, and the purposes for which the information will be used. The Customer’s explicit consent, and on behalf of their Users, will be obtained before making the transfer.

For the purposes of the processing conducted in the capacity of a processor, Summit is not liable to implement the controls noted above. The implementation of the appropriate safeguards is the responsibility of the data controller which in this case would be the Summit Customer. If you are an User that uses Summit, please contact your employer (i.e. Our Customer) for questions regarding cross border data transfer.

12. Rights as “Data Subject”

Depending on where you (including User) are located, you may have certain legal rights over the User’s Data we hold on Customer’s behalf. These rights ensure transparency and control of Data.

• Right to be Informed / Know: You can know and request for clear and concise information about what is done with your Data and why.
  
  
• Right to Access: You can access the Data we hold about you. You can also request access to specific pieces of personal information or categories of personal information collected about you including the sources from where it was collected, the business or commercial purpose for which it was collected, sold or shared and the categories of third parties with whom the Data was disclosed to.
  
  
• Right to Data Portability: You may receive the Data provided to a controller, in a structured, commonly used, and machine-readable format and may transmit those data to another controller.
  
  
• Right of Correction / Rectification: You can have incorrect Data updated or deleted.
  
  
• Right of Erasure: You can have your Data deleted.
  
  
• Right to Restrict Processing: You may object to the processing of Data carried out based on our legitimate interests or for direct marketing purposes.
  
  
• Right to Withdraw / Opt Out / Object: You have the right to have a mechanism to opt out of marketing communications at any time.
  
  
• Right to Protection Against Unauthorized Use - Organizations are obligated to protect Personal Data against unauthorized access, collection, use, or disclosure. Individuals have the right to expect their data to be adequately safeguarded.
  
  
• Right to File a Complaint - If you believe your Data  rights have been violated, you can submit your concern to us or file a complaint with the Personal Data Protection Commission (PDPC) of Singapore.
  
  
• Right Not to be subject to automated decision making: You cannot be subject to a decision based solely on automated processing, including profiling, which produces legal effects or otherwise significantly affects you.
  
  

As a service provider under Section 3 of this Privacy Policy, Summit may collect more categories of Personal Data as per the Terms of Service with our Customer.  However, Personal Data collected and provided by the Customer to us is not covered under this Privacy Policy, User may contact their employer (i.e. Customer) or consult their privacy policy.  Should we receive any queries and requests from the Users, we shall redirect them to our respective Customer.

13. Contact 

You may submit your request on any of the above rights or any queries or grievances in relation to the Privacy Policy or Personal Data, you may contact our Data Protection Office at dpo@summitglobal.com or mailing to our registered office address at 36 Carpenter Street, #02-01 Carpenter Haus, Singapore 059915.

You may submit your request or grievances or queries on our Service or Summit Platform you may contact us through email at support@summitglobal.com  

14. Request Management

Upon receipt of a written request, we may require reasonable time (depending on the complexity of the request and its impact on our relationship with you) for a request to be processed and for us to notify the requestor of the consequences of us acceding to the same, including any legal consequences which may affect the requestor’s rights and liabilities to us. In general, we shall endeavour to reply to any request within seven (7) business days of receiving it and resolve within twenty-one (21) business days.  Should we require additional time, we will keep you informed accordingly.

Whilst we respect your requests, please note that depending on the nature and scope of your request, we may not be in a position to continue providing our Service or access to Application to you and we shall, in such circumstances, notify you before completing the processing of your request. 

Please note that withdrawing consent does not affect our right to continue to collect, use and disclose your Data where such collection, use and disclosure without consent is permitted or required under the PDPA or other applicable laws.

15. Security Measures

Summit is ISO 27001 Certified and has technical and organisational measures that provide a level of security appropriate to the risk of processing your Personal Data.  

16. Retention of Data

We may retain your (including User) Personal Data for as long as it is necessary to fulfil the purposes for which it was collected, or as required or permitted to be retained by contractual arrangement with Customer and / or applicable data laws.   Upon the cessation of Purpose to retain and our internal policies (6 years) we will ensure that the Personal Data will be securely disposed of or destroyed in accordance with the applicable data laws.

Under certain business requirements, we may retain the Data beyond the retention periods by anonymising them for use in data analytics, research and statistical analysis.

17. Modifications

We reserve the right, in our sole discretion, to amend and may revise this Privacy Police at any time, with or without prior notice.  Any such amendments will become effective immediately upon posting to the Summit Platform and will supersede any prior versions.  Your continued access and/or use of the Service and Summit Platform will constitute your acceptance of those changes. It is your responsibility to periodically check the Summit Platform for any amendments to this Privacy Policy.

Effective from: 28 April 2025

(1) Beta Terms

Summit may make certain features (including functionalities that are enabled by third-party artificial intelligence tools and vendors)  available to you prior to such Service or functionalities’ commercial release (the “Beta Service”). 

Beta Services are intended for evaluation purposes and not for production use and are subject to these Summit Beta Terms (the “Beta Terms”). These Beta Terms are incorporated into, and form part of, the Terms of Service applicable to your access to and use of the Service or Summit Platform, as applicable (the “Terms”).  Capitalized terms or terms not defined in these Beta Terms have the meanings given to them in the applicable Terms.

1. Subject to these Beta Terms, we grant you a limited right to use the Beta Services for beta testing purposes during the applicable testing period. We reserve the right to modify the Beta Service or terminate your participation in the beta testing for any reason, without liability, but will use commercially reasonable efforts to provide you with reasonable advance notice of such termination.

2. You agree to provide suggestions, comments, or other feedback with respect to the Beta Service as reasonably requested, including ideas for modifications and enhancements (the “Beta Feedback”). You hereby assign to us all right, title and interest in and to the Beta Feedback. All Beta Service and your Beta Feedback are Summit’s Confidential Information, and Summit may use your Beta Feedback in advertising and promotional materials.

3. You acknowledge and agree that the Beta Service is not at the level of performance or compatibility of a final, generally available offering, and may be substantially modified prior to commercial availability, or withdrawn. Whilst we endeavour to provide technical support, we do not, however, provide any assurance that the malfunction, errors or performance issues in the Beta Services will be corrected.

4. You acknowledge and agree that the Beta Services are provided on an “as is” and “as available” basis without any warranties or conditions of any kind, whether express, implied, statutory or otherwise. Use of the Beta Services is at your sole risk. In no event will we be liable to you for any damage whatsoever arising out of the use of or inability to use the Beta Services.

(2)  Summit AI - Terms and Disclosure

These Summit AI terms apply to your use of AI-powered features (including functionalities that are enabled by third-party artificial intelligence tools and vendors) within the Service made available via Summit Platform (“AI Terms”).

These AI Terms are incorporated into, and supplement the Terms of Use and form part of the Agreement applicable to you access to and use of the Service or Summit Platform, as applicable (the “Terms”).  Capitalized terms or terms not defined in these Beta Terms have the meanings given to them in the Terms.

Use of Summit AI and Disclosure

In addition to any restrictions specified in Terms, you may not use Summit AI to create, upload, or share abusive, illegal, misleading, or confidential content.

You are responsible for the text you input or other content you upload to Summit AI (“Input”) as well as the content generated (“Output”) (collectively included in the definition of “Data” as set forth in the Terms). You are responsible for ensuring that your Data complies with these terms and the Terms before uploading in Summit Platform. You agree that you will not include any sensitive personal data (including racial or ethnic origin, political opinions, religious beliefs, health data, or data concerning sexual activity or orientation) in any Data to Summit AI. 

You understand and accept that any uploading of Data and use of the Output for any purpose (including but not limited to legal or business purpose) is at your own risk.

Disclaimer

Summit AI Outputs are generated by ratification intelligence. Summit disclaims all warranty or guarantee as to the accuracy, completeness, legality, or reliability of the Output and does not accept any liability or responsibility arising in any way from your use of the Output or any omissions or errors contained in the Output. You are responsible for seeking professional advice, as needed, before using or relying on the Output.

‍Summit AI Partners

Summit uses third party service providers to provide the AI-powered features in our Service. You acknowledge that any Input you provide, including any personal data you choose to include within that Input, will be shared with the third party service provider we engage to enable AI functionality within the Service. By using Summit AI, you direct and consent to personal data you include in any Input being transferred to third parties, including Gemini AI owned and powered by Google.

(3) Referrals to Partners

Summit may, from time to time, refer any interested Customer to Summit Affiliates (“Affiliates”) or third-party regulated payment service provider (“Payment Partner”) to support customer’s payment processing, fund transfers, or other related financial services. These referrals are offered for your convenience, and Summit may receive a referral commission or other commercial benefit if you choose to engage with such an Affiliate or Payment Partner.

Please note that Summit acts solely as a referrer and is not itself a regulated payment service provider. We do not provide payment services and do not assume any responsibility or liability for the services offered by any Payment Partner. All payment services are provided exclusively by the Payment Partner, who operates independently and under their own regulatory obligations.

Should you choose to proceed with a Payment Partner, you will be required to enter into a direct agreement with that Payment Partner and accept their terms and conditions. Summit is not a party to that agreement and is not responsible for any aspect of the service, including but not limited to onboarding, compliance checks, transaction processing, or ongoing support.

We recommend that the Customer carefully review the Payment Partner’s terms, privacy policies, and regulatory disclosures before engaging their services.

Effective date: 28 April 2025

We use cookies to understand your preference and requirements better. 

What are cookies?
A cookie is a small text file placed on your computer, system or mobile device when you visit or use our Website or Applications (collectively referred to as “Summit Platform”)

What does a cookie do?
Cookies collect information about users and their visit or use of Summit , such as their IP address, journey to our Website (for example, through a search engine or a third-party link) and how they navigate within the Summit Platform. 

How do we use it ?
We use cookies and other third-party tracking technologies to facilitate your internet sessions and use of the Platform, offer you Service according to your preferred settings, track use of Summit Platform and to compile statistics about activities carried out on the Summit Platform. 

When data is provided to us, we use it solely for the purposes for which it was provided. We recognise that your information is valuable, and we take necessary measures to protect it whilst in our care. 

Where applicable, Summit will protect your Personal Data in accordance with our Privacy Policy made available at https://summitglobal.com/legal. 

How can you stop us from accessing the cookies?
You may set up your web browser to accept or decline cookies, as well as remove cookies stored on your computer or mobile device. However, if you do block any or all the cookies, you may not be able to use certain features and functions of Website or Applications and they may not work as intended.