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Terms & Conditions

1. Background

1.1. We are Rate Pte. Ltd., a company registered in Singapore with number 201633714G, with our registered office at Blk 71 Ayer Rajah Crescent, #02-01D (“we”, “us”, “our”, or “RateX”).

1.2. These terms of service (“Terms”) are the terms on which we provide the RateX website, applications and associated services ("RateX Service") to you. By registering for, accessing or using the RateX Service, you agree to these Terms. If you do not agree to these Terms, please do not register for, access or use the RateX Service.

1.3. The RateX Service encompasses a plugin for internet web browsers which can: (a) Automatically convert non-Singapore dollar (“SGD”) denominated prices on select merchants’ websites into SGD prices, such that users are able to pay for their purchases on such websites in SGD, and (b) Provides users with relevant discount codes, which they may apply to their purchases on the merchant’s website prior to checkout.

1.4. In the future, we may offer new features, tools, or services on the RateX website. For the avoidance of doubt, these features, tools, or services shall also constitute the RateX Service and be subject to these Terms.

1.5. We may change these Terms from time to time to reflect changes to the RateX Service or for legal or regulatory reasons by posting a revised version on the RateX website. The revised version will be effective at the time we post it. It is your responsibility to check this page periodically for changes. If you do not agree to be bound by the revised Terms, you should discontinue your use or access of the RateX Service. By continuing to use the RateX Service after the date that the revised Terms come into effect, you are deemed to have agreed to the revised Terms in relation to the RateX Service and shall be bound by them.


2.2. By agreeing to these Terms, you represent that you are able to form legally binding contracts under Singapore law. Without limiting the generality of the foregoing, you must: (a) Be at least 18 years old or higher, or (b) Have obtained the necessary corporate and/or regulatory approvals to use the RateX Service (for corporate bodies only). 2.3. You may not use the RateX Service for any illegal or unauthorized purpose, nor may you, in the use of the RateX Service, violate any laws in your jurisdiction (including but not limited to copyright laws). 2.4. A breach or violation of any of these Terms will result in us terminating our service to you.


3.3. The RateX Service currently consists of a plugin for internet web browsers, which if downloaded, automatically provides you with an option to pay in SGD for your non-SGD denominated purchase(s) on selected e-commerce websites (“Merchants”). 3.4. The plugin also automatically searches and applies for you relevant discount codes for your purchase(s) from Merchants. 3.5. You may make payment for your purchase(s) using only the payment methods that are specified on the plugin. Payment via cash, cheque or other methods not specified on the plugin will not be accepted. 3.6. You are responsible for any bank or credit card processing fees that you may incur when paying for your purchase(s). 3.7. When you pay for your purchase(s) using the RateX Service, we will send you an email confirmation once your purchase is completed. 3.8. All other emails which we may send to you from time to time, e.g. a confirmation email to indicate that RateX is processing your order, should not be construed as our acceptance of your order. At any time, we reserve the right to not accept your order for any reason.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.


4.1. The RateX Service is only a payment facilitator that enables you to pay in SGD for your non-SGD denominated purchase(s) from Merchants. We do not have any control of, nor liability for, the products or services that you may pay for using the RateX Service. 4.2. As such, your payments for purchases from Merchants using the RateX Service are strictly non- refundable and cannot be cancelled, except in the following cases: (a) Where the purchase was made due to a RateX system error, or (b) Where the purchase was made fraudulently. 4.3. If we choose to cancel your payment, the amount that you have previously paid will be refunded to your account, as held with the Merchant, in the form of credits. 4.4. For any problems related to your purchase(s) with the Merchant, you should always contact the Merchant directly for a resolution. For all other questions or concerns, you may contact RateX at hello@ratex.co.


5.1. To provide our services to you, we may request you to provide your personal information and contact details via the RateX Service. You agree that we may use or disclose your information in accordance with our Privacy Policy. 5.2. You agree that all information and details provided by you to us (including on registration and thereafter) are true, accurate and up-to- date in all respects and at all times. You may update or correct your personal details at any time by amending your account details via the RateX Service.


6.1. In connection with your use of the RateX website, the RateX Service, or in the course of your interactions with us or third parties, you will not: (a) Breach or facilitate the breach of these Terms or any other agreement that you have agreed to with us; (b) Violate or attempt to violate any law, statute, ordinance, or regulation; (c) Provide false, inaccurate or misleading information; (d) Infringe our copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; (e) Use the RateX Service for any purpose that is contrary to applicable law or regulation; (f) Use the RateX Service in a way that is (in our absolute discretion) undesirable, questionable, or immoral; (g) Use the RateX Service in any way that that interrupts, damages, impairs or renders the RateX Service less efficient; (h) Use the RateX Service for any purpose other than your own personal, non-commercial use; (i) Use the RateX Service in a manner that results in or may result in complaints, disputes, claims, payment reversals, credit card chargebacks, fees, fines, penalties and other liability to us, other users, third parties, or you; (j) Transfer files that contain viruses, trojans or other harmful programs via or onto the RateX Service; (k) Access or attempt to access the accounts of other users, or to penetrate or attempt to penetrate the RateX Service's security measures; (l) Act in a manner that is defamatory, trade libellous, threatening or harassing; (m) Collect, use or disclose other users' content or information for marketing purposes, unless you receive the user’s prior express consent to do so; or (n) Access the RateX Service using automated means without our permission.


7.1. You are responsible for all payment reversals, credit card chargebacks, fees, fines, penalties and other liability incurred by us, a user, or a third party caused by or arising out of your breach of these Terms and your use of the RateX Service. You agree to reimburse us, a user, or a third party for any and all such liability. 7.2. If we, in our absolute discretion, believe that you may have breached any of these Terms in your use of the RateX Service, we may: (a) Terminate, suspend, or limit your access to the RateX Service; (b) Refuse to provide the RateX Service to you now and in the future; and (c) Void any applicable payment(s) made by you.


8.1. IN NO EVENT SHALL WE, OUR PARENT, SUBSIDIARIES AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES OR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH OUR WEBSITE, THE RATEX SERVICE, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE). 8.2. We do not guarantee, represent or warrant that your use of the RateX Service will be uninterrupted, timely, secure or error-free. You expressly agree that your use of, or inability to use, the RateX Service is at your sole risk. The RateX Service and all products and services delivered to you through the RateX Service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied. 8.3. We are not responsible if information made available on the RateX website or the RateX Service is not accurate, complete or current. Such material is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on such material is at your own risk. 8.4. We undertake no obligation to update, amend or clarify information on the RateX Service or on the RateX website, including without limitation, pricing information, except as required by law.


9.1. Indemnification - You agree to defend, indemnify and hold RateX, its parent, subsidiaries and affiliates, and our officers, directors, agents, joint ventures, employees and suppliers harmless from any claim, demand (including attorneys’ fees), fine, losses (including consequential losses and special damages), charges, expenses or any other liability incurred by any third party due to or arising out of your breach of these Terms and/or your use of the RateX Service, or by RateX enforcing any term in this Agreement to prevent any breach thereof. 9.2. Intellectual property - “RateX.co” and all other URLs, logos and trademarks related to us or the RateX Service are either trademarks or registered trademarks of RateX or its licensors. You may not copy, imitate or use them without our prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of RateX. You may not copy, imitate, or use them without our prior written consent. You may use HTML logos provided by RateX through our merchant services or affiliate programs without our prior written consent for the purpose of directing web traffic to the RateX Service. You may not alter, modify or change these HTML logos in any way, use them in a manner that is disparaging to RateX or the RateX Service or display them in any manner that implies our sponsorship or endorsement. All right(s), title(s) and interest(s) in and to the RateX website, any content thereon, the RateX Service, the technology related to the RateX Service, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of RateX and its licensors. 9.3. Entire Agreement - These Terms, along with any applicable policies posted on our website, sets forth the entire agreement and understanding between you and RateX and shall govern your use of the RateX Service. 9.4. Severability – If any provision (or parts thereof) of this agreement is held to be invalid or unenforceable, such parts of the provision shall be struck out to the extent of the invalidity/unenforceability and the remaining provisions shall be enforced. 9.5. No waiver – Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. 9.6. Governing law - These Terms shall be governed in all respects by the laws of Singapore as such laws are applied to agreements entered into and to be performed entirely within Singapore, without regard to conflict of law provisions. 9.7. Contact Us - Questions about these Terms should be sent to us at jake@ratex.co.

Last Edited on 15 Jun 2017