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These Terms of Service ( Terms ) govern
the use of the products and services provided by Orbus Technology Holdings ( we,
us, or our ) to our business clients ( you or Client )
through our online platform ( the Platform ) and associated services
(collectively, the Services ).
By using our Services, you confirm that you
are acting on behalf of a business or organization and have the authority to
bind such entity to these Terms.
1. Terms
By using our Services you agree to be bound by
these terms of service, all applicable laws and regulations, and agree that you
are responsible for compliance with any applicable local laws. If you do not
agree with any of these terms, you are prohibited from using or accessing this
site. The materials contained in this website are protected by applicable
copyright and trademark law.
2. Description of
Services
We provide a
cloud-hosted service that enables you to:
Enter,
store, and manage insurance policy and related information.
Collaborate
and interact with other users.
Access
tools and features designed to facilitate insurance-related collaboration.
We maintain, support,
and troubleshoot the Platform to ensure reliable and secure operation.
3. Account Registration
To access and use certain Services, you may be
required to register for an account. You agree to:
You are responsible for all activities
conducted through your account.
4. Use License
Subject to your compliance with these Terms,
we grant you a non-exclusive, non-transferable, limited license to
use our Services for your internal business operations.
Unless otherwise agreed in
writing, you may not resell, sublicense, or make our Services
available to any third party; copy, modify, reverse engineer, decompile, or
attempt to extract the source code; use the Services for any unlawful,
infringing, or harmful purpose.
All Content included on the Platform,
unless uploaded by Users, is the property of Orbus Technology Holdings or other
relevant third parties. In these terms and conditions, Content means any text,
graphics, images, audio, video, software, data compilations, page layout,
underlying code and software and any other form of information capable of being
stored in a computer that appears on or forms part of this Website, including
any such content uploaded by Users. By continuing to use the Platform you
acknowledge that such Content is protected by copyright, trademarks, database
rights and other intellectual property rights. Nothing on this site shall be
construed as granting, by implication, estoppel, or otherwise, any license or
right to use any trademark, logo or service mark displayed on the site without
the owner's prior written permission.
This license shall
automatically terminate if you violate any of these restrictions and may be
terminated by us at any time. Upon terminating your viewing of these materials
or upon the termination of this license, you must destroy any downloaded
materials in your possession whether in electronic or printed format owned by us.
5. Fees and Payment
You agree to pay all fees set out in your
order form, invoice, or subscription plan.
All prices are in United States Dollars (USD),
exclusive of applicable taxes.
Payment is due within 30 days of the invoice
date unless otherwise agreed.
We reserve the right to suspend access for
non-payment or overdue amounts.
6. Client Responsibilities
You are solely responsible for:
7. Disclaimer
The materials on Orbus Risk Management's
website are provided on an 'as is' basis. Orbus Risk Management makes no
warranties, expressed or implied, and hereby disclaims and negates all other
warranties including, without limitation, implied warranties or conditions of
merchantability, fitness for a particular purpose, or non-infringement of
intellectual property or other violation of rights.
Further, Orbus Risk Management does not
warrant or make any representations concerning the accuracy, likely results, or
reliability of the use of the materials on its website or otherwise relating to
such materials or on any sites linked to this site.
8. Limitations
In no event shall we or our suppliers be liable for any damages
(including, without limitation, damages for loss of data or profit, or due to
business interruption) arising out of the use or inability to use the materials
on our website, even if we or our authorized
representative has been notified orally or in writing of the possibility of
such damage. Because some jurisdictions do not allow limitations on implied
warranties, or limitations of liability for consequential or incidental
damages, these limitations may not apply to you.
Our total
liability under these Terms shall not exceed the total fees paid by you in
the 12 months preceding the event giving rise to the claim.
9. Accuracy of materials
The materials appearing on our website could include technical,
typographical, or photographic errors. We do not warrant that any of the
materials on our website are accurate, complete or current. We may make changes
to the materials contained on its website at any time without notice. However we do not make any commitment to update the
materials.
10. Links
We have not reviewed all of the sites linked to
our website and are not responsible for the contents of any such linked site.
The inclusion of any link does not imply endorsement by us of the site. Use of
any such linked website is at the user's own risk.
11. Data Protection
You
retain full ownership of the information and content you input or upload to the
Platform, including insurance policy information ("User Data"). By
using the Platform, you grant us a limited, non-exclusive license to host,
store, and process your User Data solely for the purpose of operating and
maintaining the Platform.
We will collect, use, and process personal
data in accordance with the Personal Data Protection Act 2012 (PDPA) and
our Privacy Policy.
You are responsible for ensuring your own
compliance with applicable data protection laws when using our Services.
12. Force Majeure
We shall
not be liable for any failure or delay in performance due to events beyond our
reasonable control, including acts of God, internet outages, governmental
restrictions, or pandemics.
13. Indemnity
You agree to indemnify and hold harmless
[Company Name], its officers, employees, and affiliates, from and against any
third-party claims, damages, losses, or expenses arising out of:
14. Modifications
We may revise these terms of service for its website at any time without
notice. By using this website you are agreeing to be
bound by the then current version of these terms of service.
15. Governing Law
These terms and conditions are governed by and construed in accordance
with the laws of Singapore and you irrevocably submit
to the exclusive jurisdiction of the courts in that State or location.
Effective Date: 1st August 2025
Last Updated: 15th August 2025
Orbus Technology Holdings ("we", "us", or "our") is committed to protecting the privacy of our users ("you", "your"). This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use https://app.asiariskexchange.com, (the "Platform").
By using the Platform, you agree to the collection and use of your information in accordance with this Privacy Policy.
When you register or interact with the Platform, we may collect:
Users may input insurance and risk management related data including:
This information may pertain to the business you represent and is considered User Data.
We may collect information about how you interact with the Platform, such as:
Business data refers to data that accumulates over the normal course of operation on our platform. This may include transaction records, stored files, user profiles, analytical data and other metrics, as well as other types of information, created or generated, as users interact with our services.
You retain full ownership of your Personal Information and User Data you input into the Platform. We do not claim ownership over your Personal Information and User Data and only use it in accordance with this Privacy Policy and our [Terms of Service].
We use your information for the following purposes:
We may aggregate and anonymize User Data to:
Aggregated data does not personally identify users or businesses.
We may use User Data to:
We may share anonymized or user-linked User data with trusted insurance companies, insurance intermediaries and related third parties solely for these purposes. You may opt out of this use (see Section 6).
We may share your information in the following cases:
We implement industry-standard security measures to protect your information. However, no system is completely secure, and we cannot guarantee the absolute security of your information.
You may:
We retain your information as long as your account is active or as needed to provide services. After account termination, we may retain anonymized or aggregated User Data for analytical purposes.
We will process your personal information lawfully, fairly and in a transparent manner. We collect and process information about you only where we have legal bases for doing so.
These legal bases depend on the services you use and how you use them, meaning we collect and use your personal information only where:
Where you consent to our use of information about you for a specific purpose, you have the right to change your mind at any time (but this will not affect any processing that has already taken place).
We don't keep personal information for longer than is necessary. While we retain this information, we will protect it within commercially acceptable means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use or modification. That said, we advise that no method of electronic transmission or storage is 100% secure and cannot guarantee absolute data security.
We may collect, hold, use and disclose personal information for the following purposes and personal information will not be further processed in a manner that is incompatible with these purposes:
We may disclose personal information to:
The personal information we collect is stored and processed in Singapore, or where we or our partners, affiliates and third-party providers maintain facilities. By providing us with your personal information, you consent to the disclosure to these overseas third parties.
Choice and consent: By providing personal information to us, you consent to us collecting, holding, using and disclosing your personal information in accordance with this privacy policy.
Information from third parties: If we receive personal information about you from a third party, we will protect it as set out in this privacy policy.
Restrict: You may choose to restrict the collection or use of your personal information.
Access and data portability: You may request details of the personal information that we hold about you.
Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us.
Notification of data breaches: We will comply with laws applicable to us in respect of any data breach.
Complaints: If you believe that we have breached a relevant data protection law and wish to make a complaint, please contact us.
Unsubscribe: To unsubscribe from our e-mail database or opt-out of communications, please contact us.
We use "cookies" to collect information about you and your activity across our site. A cookie is a small piece of data that our website stores on your computer, and accesses each time you visit, so we can understand how you use our site. This helps us serve you content based on preferences you have specified. Please refer to our Cookie Policy for more information.
If we or our assets are acquired, or in the unlikely event that we go out of business or enter bankruptcy, we would include information and data among the assets transferred to any parties who acquire us. You acknowledge that such transfers may occur, and that any parties who acquire us may continue to use your personal information and Business Data according to this policy.
Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites and cannot accept responsibility or liability for their respective privacy practices.
At our discretion, we may change our privacy policy to reflect current acceptable practices. We will take reasonable steps to let users know about changes via our website. Your continued use of this site after any changes to this policy will be regarded as acceptance of our practices around privacy and personal information.
If we make a significant change to this privacy policy, for example changing a lawful basis on which we process your personal information, we will ask you to re-consent to the amended privacy policy.
If you have any questions or concerns regarding this Privacy Policy, please contact:
Orbus Technology Holdings Pte Ltd
Email: privacy@asiariskexchange.com
By using our Platform, you consent to this Privacy Policy.
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