Common use of Your use of the App Clause in Contracts

Your use of the App. 1.1 Subject always to your continuing compliance with the terms of this Agreement, we agree to grant you a non-transferable, non-exclusive licence to use the App insofar as owned by and licensed through us on the Device and only for your own personal purposes, on and subject to the terms of this Agreement. All other rights not expressly granted to you are reserved. 1.2 You acknowledge that all right, title and interest in and to the content displayed on the App, including without limitation the App's look and feel, data, information, text, graphics, images, designs, trademarks, trade names, URLs and content provided by third parties that are licensed to us (individually or collectively, the "Content") is owned by us or our third party licensors (as may be applicable). 1.3 Without prejudice to the generality of the foregoing, you may not (and may not, knowingly or otherwise, authorise, allow or assist any third party to): (a) modify or adapt the whole or any part of the App, or permit the App or any part of it to be combined with, or become incorporated in, any other app, programs or other platforms created by you; (b) disassemble, decompile, reverse-engineer or otherwise attempt to derive the source code of the App or any components thereof; (c) provide or otherwise make available the App in whole or in part (including object and source code) in any form to any person without our prior written consent; (d) communicate, copy, republish, upload, post, transmit, edit, re-use, rent, lease, loan, sell, assign, transfer, distribute, license, sublicense or create derivative works or adaptations based on the whole or any part of the App; (e) use the App in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with this Agreement, or in contravention of any applicable laws, including in infringement of our intellectual property rights or those of any third party in relation to the App; (f) use the App in a way that could damage, disable, impair or compromise the App (or the systems or security of the App or any other computer systems or devices used in connection therewith) or interfere with other users or affect the reputation of SMRT; nor (g) use any automated process or service to access and/or use the App. Nothing herein prohibits your exercise of any express statutory rights you may have under applicable law in relation to the App. 1.4 You further agree and acknowledge that: (a) it shall be your sole responsibility to, at your own cost: (i) obtain all necessary hardware, software and communications services necessary for your use of the App; and (ii) install antivirus or other mobile security software to protect against any security or other vulnerabilities which may arise in connection with the use of the App; (b) the licences granted herein do not confer on you any rights to use “SMRT”, , , and any other logos, service marks, slogans, designations and other proprietary indicia used as part of the App (collectively “Trade Marks”), all of which are and remain the property of SMRT. (c) we shall have the right to: (i) automatically update the App and its components on your Device, add or remove functionalities, features or services (collectively, “App Functions”), vary or impose user account rights, resource limits or fees or suspend or terminate App Functions and/or user rights; (ii) deny or restrict access to this App or any App Functions whether to any user or generally, or to block access from or to any resources, at any time, without ascribing any reasons whatsoever; and in any such event, you agree that no claims shall lie against us or our agents or our service providers in connection therewith. 1.5 You acknowledge and agree that this App may use transmissions over the Internet which are never completely private or secure. You understand that any personal data or information which you send in the course of the use of the App may be made public on the App, and also read or intercepted by others. Use of the App is entirely at your own risk. 1.6 The App may also use digital certificates. You are solely responsible for deciding whether or not to rely on such certificates and your reliance on any digital certificates is at your sole risk. 1.7 You further acknowledge that the App is not intended or suitable for use in situations or environments where the failure or time delays of, or errors or inaccuracies in, the content, data or information provided by the App or the App Functions could lead to death, personal injury, or otherwise result in significant financial loss or business interruption.

Your use of the App. 1.1 Subject always to your continuing compliance with the terms of this Agreement, we agree to grant you a non-transferable, non-exclusive licence to use the App insofar as owned by and or licensed through us on the Device and only for your own personal purposes or internal business purposes, on and subject to the terms of this Agreement. All other rights not expressly granted to you are reserved. 1.2 You acknowledge that all rightSome software components used in our App may be offered under an open source or other license as we may notify you of, title and interest in and which case your use of those components is governed by such terms to the content displayed on the App, including without limitation the App's look extent only of any inconsistency between this Agreement and feel, data, information, text, graphics, images, designs, trademarks, trade names, URLs and content provided by third parties that are licensed to us (individually or collectively, the "Content") is owned by us or our third party licensors (as may be applicable)those terms. 1.3 Without prejudice to the generality of the foregoing, you may not (and may not, knowingly or otherwise, authorise, allow or assist any third party to): (a) a. modify or adapt the whole or any part of the App, or permit the App or any part of it to be combined with, or become incorporated in, any other app, programs or other platforms created by you; (b) b. disassemble, decompile, reverse-engineer or otherwise attempt to derive the source code of the App or any components thereof; (c) provide or otherwise make available the App in whole or in part (including object and source code) in any form to any person without our prior written consent; (d) c. communicate, copy, republish, upload, post, transmit, edit, re-use, rent, lease, loan, sell, assign, transfer, distribute, make available, license, sublicense or create derivative works or adaptations based on the whole or any part of the App; (e) d. use the App in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with this Agreement, or in contravention of any applicable laws, including in infringement of our intellectual property rights or those of any third party in relation to the App; (f) e. use the App in a way that could damage, disable, impair or compromise the App (or the systems or security of the App or any other computer systems or devices used in connection therewith) or interfere with other users or affect the reputation of SMRTDBS; nor (g) f. use any automated process or service to access and/or use the App. Nothing herein prohibits your exercise of any express statutory rights you may have under applicable law in relation to the App. 1.4 You further agree and acknowledge that: (a) a. it shall be your sole responsibility to, at your own cost: (i) i. obtain all necessary hardware, software and communications services necessary for your use of the App; and; (ii) . install antivirus or other mobile security software to protect against any security or other vulnerabilities which may arise in connection with the use of the App; and iii. make back-ups of data or other content posted via the App, as these may be subsequently deleted by us or our service providers at any time without notice to you; (b) b. the licences granted herein do not confer on you any rights to use “SMRTDBS”, “DBS BusinessClass”, “DBS SME Banking”, DBS logo, and any other logos, service marks, slogans, product names and designations and other proprietary indicia used as part of the App (collectively “Trade Marks”), all of which are and remain the property of SMRTDBS. (c) c. we shall have the right to: (i) i. automatically update the App and its components on your Device, add or remove functionalities, features or services (collectively, “App Functions”), vary or impose user account rights, resource limits or fees or suspend or terminate App Functions and/or user rights; (ii) . deny or restrict access to this App or any App Functions whether to any user or generally, or to block access from or to any resources, at any time, without ascribing any reasons whatsoever; and in any such event, you agree that no claims shall lie against us or our agents or our service providers in connection therewith. 1.5 You acknowledge and agree that this App may use transmissions over the Internet which are never completely private or secure. You understand that any personal data data, message or information which you send in the course of the use of the App may be made public on the App, and also read or intercepted by others. Use of the App is entirely at your own risk. 1.6 This App may use cookies or store other data files on your Device. You consent to the use of such cookies and data files. More information on our use of cookies in the App may be found at paragraph 2.5 below. 1.7 The App may also use digital certificates. You are solely responsible for deciding whether or not to rely on such certificates and your reliance on any digital certificates is at your sole risk. 1.7 1.8 You further acknowledge that the App is not intended or suitable for use in situations or environments where the failure or time delays of, or errors or inaccuracies in, the content, data or information provided by the App or the App Functions could lead to death, personal injury, or otherwise result in significant financial loss or business interruption.