www.ezra.world is a website operated and managed by LendTech Investment Holdings Private Limited, a company registered under the laws of Singapore and located at 1 Raffles Place, #28-61 One Raffles Place, Tower 2, Singapore 048616. For the purposes of these Terms of Use, the term “Ezra” shall refer to LendTech Investment Holdings Private Limited and its subsidiaries.

Ezra operates a B2B2C digital lending solution in collaboration with partners including banks, fintechs, mobile wallets, telecommunication companies and other B2C entities.

By using this website, operating under domain ‘www.ezra.world’ (“Website”)(“Website”)you agree to be bound by the following Terms of Use (“Terms”). If you do not agree to these terms, you must not use this Website.

We may modify these Terms at any time at our sole discretion, and such modifications shall be effective as indicated in the modified Terms. You shall review the Terms periodically to be aware of such modifications. 

If you continue to access or use the Website, you confirm that you accept the modified Terms.

Using Our Website

You can use our Website to: 

1. search for information regarding Ezra and our business; 
2. contact us and to engage in a business relation with Ezra; and
3. to use our external platform to apply for jobs within Ezra.

Our Content

Any content, including but not limited to, information, communications, software, images and sounds contained on or available through the Website, is provided by Ezra, our providers or third-party licensors. 

The intellectual property rights to or over the contents available on the Website are owned by Ezra, our providers and/or third-party licensors. The works are protected by copyright and trademark laws. All such rights are reserved.

You cannot reproduce, modify, transfer, distribute, republish, download, post or transmit any content available on the Website in any form or by any means including but not limited to electronic, mechanical photocopying or recording without the prior written consent of Ezra, which may be withheld at Ezra’s sole discretion. Without prejudice to the foregoing, you agree that the material and content contained on or available via the Website may not be used for commercial purposes or distributed commercially.

Your access to or use of the Website should not be construed as granting, by implication, estoppel or otherwise, any license or right to use the trademarks, trade names or logotypes available on the Website. This can be done only based on Ezra’s prior written consent, which may be withheld in Ezra’s sole discretion. You may not use any of such trademarks, trade names or logotypes as hyperlinks to the Website. This can be done only based on Ezra’s prior written consent, which may be withheld at Ezra’s sole discretion.

You may not modify, translate, decompile, disassemble, reverse engineer or otherwise attempt to derive the source code for the computer systems and other technology that operate the Website or create derivative works based on the Website. For purposes of the Terms, “reverse engineering” shall include the examination or analysis of the Website to determine the source code, structure, organization, internal design, algorithms or encryption devices of the Website’s underlying technology.

Prohibited Use

When using our Website, you must follow these Terms and any policies made available to you related to the Website. You shall only use the Website for lawful purposes and strictly in accordance with the Terms and all applicable laws and regulations. You understand that you are responsible for any content that you post or transmit on or through the Website.

In particular, you are prohibited from:

1. using the Website to post, transmit, distribute, link to, or solicit materials that are inappropriate, indecent, abusive, threatening, defamatory, obscene, profane, infringing or unlawful in any jurisdiction;
2. using any bot, robot, spider, scraper or other automatic or manual device, program, tool, algorithm, code, process or methodology monitor, copy or republish the Website or any portion thereof without our express, prior, written permission;
3. using any automated processing or analytical techniques aimed at analysing data in order to reveal patterns, trends, correlations and algorithms used on our Website;
4. using any device, software or routine to interfere or attempt to interfere with the proper working of the Website, or any part thereof to impose an unreasonable or disproportionately large load on the servers serving the Website;
5. using the Website to knowingly transmit any data that contains viruses, trojan horses, worms, time-bombs, rootkits, ransomware, keystroke loggers, spyware, adware or other harmful programs or similar computer code designed to adversely affect the operation of computer software or hardware, or to gain unauthorised access to our computer systems; and
6. using the Website in any manner that relates to money laundering or the financing of terrorist activities.

Ezra shall have the right (but not the obligation) to monitor all transmissions and to monitor, refuse or remove and disable from the Website any content links to, or frames of any site containing inappropriate, profane, defamatory, abusive, threatening, obscene, indecent infringing or unlawful topics, names, material or information, or any material or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity right. Without limiting the foregoing, Ezra shall have the right to remove any content that violates these Terms or is otherwise objectionable.

Personal Data

Personal Data transmitted to Ezra shall be treated in accordance with our Privacy Statement.

Third Party Hyperlinks

The Website may contain hyperlinks to websites which are not maintained or controlled by Ezra. The hyperlinks may contain content posted on or via the Website by third parties. 

Ezra does not maintain control over the content of the other websites or resources and as such, shall not be responsible for any errors or omissions in any content in those websites, or the content, products or services of any hyperlinked sites, including any further hyperlinks thereon. 

Ezra shall not be liable for the privacy or security practices of third-party websites and shall not be liable for any loss or damage incurred as a result of the user’s interaction with these third-party websites. Use of the Website and any hyperlinks and access to such hyperlinked websites is entirely at your own risk.

Ezra reserves all rights to disable any links to, or frames of any website containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity rights.

Indemnity

You agree to indemnify, defend and hold harmless Ezra, its directors, officers, employees, suppliers, licensors, agents, and any third party content providers, from and against any and all losses, damages, claims, costs, expenses, demands, and actions, due to or arising out of your violation of these Terms, or your violation of any rights of a third party.

These obligations will survive any termination of your relationship with Ezra or the cessation of your use of the Website. Ezra reserves the right to assume the defence and control of any matter subject to indemnification by you, in which event, you will cooperate with Ezra in asserting any available defences.

Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis and you accept that your access or use of the Website (or any part thereof) are at your own risk. Ezra makes no warranty that: 

1. the Website will always be accessible or will meet your requirements or expectations; 
2. the information that may be obtained via the Website will be accurate or reliable; 
3. the access to the Website will be uninterrupted, timely, secure, error-free or free from computer malware, viruses or other invasive or damaging code; and 
4. any errors of the Website will be corrected.

You expressly understand and agree that you assume all responsibility and risk for your use of the Website. Ezra does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or non-infringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the Website or information provided through the Website.

If you download, upload or otherwise obtain any content via the Website, you do so at your own discretion and risk. You are solely responsible to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided via the Website.

Limitation of Liability

Ezra does not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information available on the Website. Without prejudice to the foregoing, and to the fullest extent allowed by the law, in no event shall Ezra be held liable for any incidental, indirect, consequential, special, punitive or consequential damages, losses, costs and/or expenses including without limitation, loss of revenue or profit, loss or corruption of data, goodwill, bargain or opportunity or loss of anticipated savings, or business interruption, or any other loss, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use of or inability to use the Website delays, inaccuracies or errors in the information available on the Website or provided on or over the Website or downloaded or hyperlinked from the Website.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by the law, or 100 SGD, whichever shall be lower.

General Terms

Your access and/or use of this Website is subject to compliance with the Terms and shall be governed by and construed in accordance with the laws of Singapore and you agree to submit to the exclusive jurisdiction of the courts of Singapore.

If any part of these Terms is held to be unenforceable, invalid or illegal for any reason, that provision shall, to the extent permissible, be severed from the Terms, save and except that the remaining provisions shall remain in full force and effect to the extent applicable.

These Terms and any rights, obligations and licenses arising therefrom may not be assigned or transferred by you. Ezra shall have the right to assign or transfer any rights, obligations and licenses arising from these Terms without any restriction.

These Terms are for the benefit of Ezra and its directors, officers, employees, suppliers, vendors, licensors, agents and any third-party content providers to the Website. Each of the individuals or entities shall have the right to assert and enforce any of these provisions against you on their own behalf.

These Terms constitute the entire agreement between Ezra and you and supersede all prior agreements, understandings, writings, proposals, representations and communications, oral or written, whether by you or Ezra, with respect to the subject matter of the Terms.

We are committed to ensuring that any content made available via the Website is appropriate for our customers and not offensive. However, if you have any concerns over the content available on this Website, please contact us at: legal@ezra.world or use the contact details available on the Website.