Easybuy protects your rights

Legal

Terms And Conditions

This privacy policy (the “Policy”) together with our Terms and Conditions as set out on the EasyBuy mobile application (the “App”) and any additional terms and conditions apply to your use of the App and any services provided by DEXINTEC GLOBAL LIMITED (“DEXINTEC”, “we” or “us”), in partnership with our licensed lender, NEWEDGE FINANCE LIMITED ("Lender").

A. App Permissions

For the purpose of identification and credit risk assessment, we need your permission for the following:

(i) Mobile Phone

We need to collect your Mobile phone Information for identification purposes and to perform anti-fraud checks, including device identifier, model, device name, device hardware and software information, usage habits, status and unique device identifiers(such as Phone Number, IDFA, SIM Serial Number, Phone Type, SIM Country ISO Code, SIM Operator Code, SIM Operator Name, Base Station ID (Cell ID), and Base Station Signal Strength), We promise the collected data will be uploaded to our secure, encrypted cloud server(https://dragofly.easybuy.global) with high-level protection and will not be shared with any third party without your permission.

(ii) Personal Information

When applying with Easybuy, we may ask you to provide information that can be used to identify you or contact you. This includes but is not limited to: Education degree, Marital status, Number of children raising, Religion, Language, Work status, Industry, Frequency of salary paid, Monthly Income, Employment, Identity information(BVN number, Name,date of birth, Gender), Bank information(Bank name,Bank account number), Contact information(Relation, Name, Phone number) etc. We promise the collected data will be uploaded to our secure, encrypted cloud server(https://dragofly.easybuy.global) with high-level protection and will not be shared with any third party without your permission.

(iii) Rough Location

We only obtain your approximate location to determine whether you are within the range of the services we provide. We promise the collected data will be uploaded to our secure, encrypted cloud server(https://dragofly.easybuy.global) with high-level protection and will not be shared with any third party without your permission.

(iv) Camera

We need to access your camera for images or video captures when you upload photos or shoot videos for authentication upon request.

(v) Calendar

In order to avoid the negative impact on your credit due to late payment, we use the calendar function to remind you of the repayment date. We promise the collected data will be uploaded to our secure, encrypted cloud server(https://dragofly.easybuy.global) with high-level protection and will not be shared with any third party without your permission.

(vi) Dialing Authorization

Customers can call customer service with one key on the APP.

B. Personal Information

(i) When applying with Easybuy, we may ask you to provide information that can be used to identify you or contact you. This includes but is not limited to: Education degree, Marital status, Number of children raising, Religion, Language, Work status, Industry, Frequency of salary paid, Monthly Income, Employment, Identity information(identification number, Name,date of birth, Gender), Bank information (Bank name,Bank account number), Contact information (Relation, Name, Phone number) etc. We promise the collected data will be uploaded to our secure, encrypted cloud server(https://dragofly.easybuy.global) with high-level protection and will not be shared with any third party without your permission.

(ii) We may collect and process the following types of personal information in order to provide you with safe, personal and seamless access to our App and the Services (which shall be defined as any form of services or products that DEXINTEC may offer you via the App or our website and which you may from time to time subscribe to):

•　personal data such as name, age, email address, phone number, physical contact information, personal description, photograph, username, password, emergency contacts, other registration information and (depending on the service used) sometimes financial information, such as credit card or bank account numbers;

•　transactional information based on your activities on the App (such as products or service purchased, content you generate or that relates to your account), billing, and other information you may have provided in connection with your orders;

•　personal information you provide to us through information pages, correspondence, chats, complaints, customer service channels, or provided to us from other social applications or services;

•　additional personal information we ask you to submit as part of our verification process (for example, we may ask you to send us an identification document or utility bill to verify your address, or to answer additional questions online to help us verify your identity);

•　other supplementary information obtained from third parties such as demographic and navigation data, credit check information, and additional information about you from the credit bureaus, as permitted by law;

•　information from your interaction with our App, services, content and advertising, including, but not limited to, device ID, device type, unique device identifiers; computer, operating system and connection information, statistics on page views, IP address and standard web log information;

•　information stored on your device, which will be accessed only with your express consent to your device’s permission on the APP. You may at anytime allow or disallow access to information stored on your device by changing your device’s settings;

•　details of any of your visits to the App; including, but not limited to, traffic data, weblogs and other communication data.

(iii) This information may be provided or collected by:

•　filling in forms on the App;

•　corresponding with us (for example, by e-mail or chat);

•　registering to use the App;

•　subscribing to any of our Services;

•　sharing data via the App’s social media functions;

•　entering a competition, promotion or survey;

•　reporting an issue with the App or our Services.

C. Tracking and cookies

(i) We may use mobile tracking technologies and/or cookies to distinguish you from other users of the App. This helps us to improve your user experience on the App.

(ii) While you are free to decline our cookies if your browser permits, please note that doing so may interfere with your use of some of our Services.

(iii) Please also note that:

• certain features are available only through the use of cookies;

• we use cookies to help identify you and maintain your signed-in status;

• most cookies are "session cookies" meaning that they are automatically deleted from your hard drive at the end of a session; 　

• you may encounter cookies from third parties, which are cookies from our service providers, that we have allowed on our App to assist us with various aspects of our App operations and services;

• you may also encounter cookies from third parties on certain pages of the App that we do not control and have not authorise (for example, if you view a web page created by another user, there may be a cookie placed by that web page).

D. Use of your information

(i) Our primary purpose in collecting personal information is to provide you with access to our App and Services and provide you with a personalized, safe and efficient experience. You agree that we may use your personal information to:

•　calculate your credit limit and decide the amount that DEXINTEC may provide to you as a loan;

•　provide you with access to the App, the Services and any customer support that you may request;

•　resolve complaints and disputes, collect fees, and troubleshoot problems;

•　prevent, detect, and investigate prohibited or illegal activities, and enforce our Terms and Conditions;

•　customise, measure, and improve our contents, advertising and Services;

•　inform you about our Services, deliver targeted marketing, service updates, and promotional offers based on your communication preferences;

•　compare information for accuracy, and verify it with third parties;

•　contact you using the telephone numbers you have provided as authorised by our Terms and Conditions (If you provide us with your phone number or email address, you agree that we may send text messages to that phone number, or email to that email address. We will do so only in compliance with applicable laws and regulations. If you deactivate your account, you will no longer receive any texts or email from us);

•　provide you with other services requested by you as described when we collect the information.

(ii) We may associate any category of information with any other category of information and may treat the combined information as personal information in accordance with this Policy for as long as it is combined.

E. Disclosure of your information

(i) We may disclose personal information in order to respond to legal or regulatory requests, enforce our policies, or to protect the rights, property, or safety of third parties. Such information will be disclosed in accordance with applicable laws and regulations.

(ii) We may disclose your personal information to any member of our group (which means our subsidiaries, affiliates, our holding company and its subsidiaries) in order to provide joint content and services (for example, customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, sites, applications, tools and communications. These entities may use this information to send you marketing communications and you may choose to unsubscribe from their mailing list at your discretion.

(iii) We may also disclose your personal information:

•　to other business entities, should we plan to merge with or be acquired by that business entity in which case personal data held by DEXINTEC about its customers may be one of the transferred assets. Should such a combination occur, the business entity will be bound by this Policy and we will endeavour to minimise any changes herein, however, we will notify you if there are any changes to our privacy policy as a result of such acquisition, merger or combination and you will be free to either decline or accept to continue engaging our Services;

•　to third parties in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;

•　to law enforcement agencies, governmental agencies, or other authorised third parties if we are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligation or request; (for example, a request relating to a civil or criminal investigation or alleged illegal activity or any other activity that may expose you or DEXINTEC to legal liability);

•　to third parties in order to enforce our Terms and Conditions and other agreements or to investigate potential breaches; or for the purpose of publishing statistics relating to the use of the App, in which case all information will be aggregated and made anonymous;

•　to third parties to whom you explicitly ask us to send your information (or about whom we explicitly notify you and obtain your consent before sending your information to such third parties;

•　to the credit bureaus. We may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

•　to store information provided via cloud based in order to ensure sustainability in the event of a disaster.

(iv) Except in compliance with an order of a Court, an Arbitral Panel, a Tribunal, an investigatory panel, or any other legal or regulatory obligation, we do not disclose information about identifiable individuals to other parties, but we may provide them with anonymous or aggregate information about our users.

F. Storage and protection of your information

(i) The data that we collect from you may be transferred to, and stored at, a destination outside of your country of residence. It may also be processed by our global staff or authorized third-party service providers to fulfill your requests on the App or the provision of Services to you. By submitting your personal data, you agree to the collection, transfer, storage or processing of your personal data in the manner set out above. We implement rigorous technical and organizational measures, including Standard Contractual Clauses (SCCs), to ensure your data receives a level of protection equivalent to that in your home jurisdiction and in compliance with global privacy standards.

(ii) Where we have given you (or where you have chosen) a password that enables you to access certain parts of the App, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the App; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

(iii) We have put in place appropriate technical and organizational measures to ensure a level of security appropriate to the risk of varying likelihood and severity for the rights and freedoms of you and other users. We maintain these technical and organizational measures and will amend them from time to time to improve the overall security of our systems.

(iv) We expect that the personal information that you provide to us is accurate and up to date, and we will provide you with the opportunity to update your information through your account profile settings.

G. Retention of your information

We use the following criteria to determine the period for which we will keep your information:

•　Our contractual obligations and rights in relation to the information involved;

•　Legal obligation(s) under applicable law(s) and regulations to retain data for a certain period of time;

•　Statute of limitations under applicable law(s);

•　Our legitimate business purposes;

•　Disputes or potential disputes.

After you have terminated your use of our Services, we may store your information in an aggregated and anonymized format. Notwithstanding the foregoing, we may also retain any personal information as reasonably necessary to comply with our legal obligations, allow us to resolve and litigate disputes, and to enforce our agreements.

H. Third Parties

Except as otherwise expressly included in this Policy, this document addresses only the use and disclosure of information we collect from you. If you disclose your information to other users of our App or other sites throughout the internet, different rules may apply to their use or disclosure of the information you provide to them. DEXINTEC does not control the privacy policies of third parties and will not be liable for any illegal use of your personal information by such third parties. You are, however, subject to the privacy policies of those third parties where applicable. We encourage you to ask questions and read through such third parties’ privacy policies before you disclose your personal information to others.

We may share your information with:

1. Easybuy service providers or partners, including our partnered lending institution, NEWEDGE FINANCE LIMITED.

2. Financial institutions, credit reference agencies or credit bureaus.

3. Third parties for analytics and development:

•　Firebase(https://firebase.google.com/support/privacy)

4. Law enforcement, government officials

5. Or other third parties in connection with a formal request, subpoena, court order or legal process.

I. Consent

By downloading the App and accepting our Terms and Conditions and our privacy policy, you confirm to us that we may collect, use, process, share or transmit your personal information for any of the above purposes.

J. Changes to privacy policy

We may amend this Policy at any time by publishing the amended terms on the App. All amended terms shall automatically become effective on the day that they are published on the App. Additionally, we will notify you of any substantive or material change in this Notice by one of the following means: updating this web page, sending push notifications, e-mails or letters, by phone or by publishing announcements on our website. In any event, by continuing to use the App and any of our Services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.

K. Information relating to children

The Services are not offered to children whose age makes it illegal to process their personal data or requires parental consent for the processing of their personal data under any applicable laws.

We do not knowingly collect personal data from children under the age of 13 (in the US), 16 (in the EEA) or 18 (in other jurisdictions) or the equivalent minimum age as prescribed by the laws in your specific jurisdiction (the “Age Limit”). If you are under the Age Limit, please do not use the Services, and do not provide any personal data to us.

If you are a parent of a child under the Age Limit and become aware that your child has provided personal data to us, please contact us at email: support@easybuy.global to delete such data. Upon notification and verification, we will take all reasonable steps to permanently delete such data from our servers as soon as practicable, except where retention is required by law.

L. Data protection contact

We have designated a Privacy Compliance Team responsible for overseeing our data protection strategy and its implementation to ensure compliance with applicable data protection laws and global standards. If you have any questions, concerns, or wish to exercise your data protection rights, you can contact our Privacy Team at: support@easybuy.global.

M. Your rights

You have the right to make a request to access and delete the personal data we hold about you, to rectify any personal data held about you that is inaccurate, the right to data portability and the right to request the suspension of the processing of your personal data. In case you wish to exercise your rights or you have other questions, comments and requests regarding this Policy, you can contact us at email: support@easybuy.global.

In the event that you wish to make a complaint about how we process your personal data, please contact us in the first instance at support@easybuy.global and we will endeavor to deal with your request as soon as possible. This is without prejudice to your right to launch a claim with your data protection authority or follow the dispute resolution process provided in the terms of Service.

N. Cross-border data transfer

Given the global nature of our Services, the personal data we collect from you may be transferred to, stored at, and processed in destinations outside of your country or region of residence. These destinations may have different data protection laws than your home jurisdiction. By using the App and submitting your personal data, you acknowledge and consent to such international transfers, storage, and processing.

To ensure that your personal data receives an adequate level of protection, we implement appropriate legal and technical safeguards for all cross-border transfers. These include, but are not limited to, the execution of Standard Contractual Clauses (SCCs) as approved by relevant regulatory authorities, or relying on other valid legal mechanisms recognized under applicable data protection laws.

We take all steps reasonably necessary to ensure that your data is treated, stored, and processed securely and in accordance with this Policy regardless of its location. We ensure that any third-party recipient or international affiliate accessing your data is contractually bound by confidentiality and data protection obligations no less restrictive than those set out in this Policy.

In specific jurisdictions where local laws require administrative approval for data export, we undertake to comply with such localized notification or approval processes with the relevant data protection authorities as required.

• This Policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. The Policy also describes your rights regarding our collection, use, storage, sharing, and protection of your personal information.

A. Please carefully read and understand these Terms and Conditions (“T&Cs”) and any amendments made thereto from time to time by DEXINTEC GLOBAL LIMITED (“DEXINTEC”) before accessing the App or making use of any of the Services (as defined below).

B. By accessing the App or requesting / using any of the Services, you agree to be bound by the T&Cs below for the use of this App.

C. These T&Cs, together with our Privacy Policy (as defined below) set out the complete terms and conditions which shall be applicable to your use of the App and access to any of the Services.

D. These T&Cs are subject to change from time to time and we may notify you of any substantive or material change in the Notice by one of the following means: updating this web page, sending push notifications, e-mails or letters, by phone or by publishing announcements on our website. By continuing to use the App and any of our Services after the posting of any changes, you confirm your continuing acceptance of these T&Cs together with such changes, and your consent to the terms set out therein.

E. These T&Cs and any amendments or variations made thereto shall take effect on their date of publication. You are responsible for being familiar with the current version of the T&Cs posted on the App each time you access the App.

F. The use of the App may be monitored, tracked and recorded. Anyone using this App expressly consents to such monitoring, tracking and recording.

G. If you do not agree with these T&Cs or any portion thereof, please do not use this App or any of the Services.

H. You shall be deemed to have agreed and accepted these T&Cs once you click the “Sign-up” button immediately below these T&Cs. If you do not agree with these T&Cs, please do not click the “Sign Up” button on the App. Please note that you will not be able to access the Services if you decline the T&Cs.

IT IS HEREBY AGREED AS FOLLOWS:

1. DEFINITIONS

For the purposes of these T&Cs and the preamble above, unless the context requires otherwise:

“App” means the Easybuy mobile application owned and operated by DEXINTEC.

“Credentials” means your personal credentials used to access the App, including but not limited to your username, password and personal identification number (“PIN”).

“DEXINTEC”, “we” or “us” means DEXINTEC GLOBAL LIMITED.

“Privacy Policy” means the DEXINTEC privacy policy that sets out the basis on which any personal data we collect from you, or that you provide to us, will be used by us.

“Services” means any form of financial services or products that DEXINTEC may offer you via the App and which you may from time to time subscribe to.

“Service Provider” means your financial institution, credit bureaus, mobile network operators and any other information bank available to DEXINTEC in your country of residence. The term may be construed to mean any or all of the above entities, as the context may require.

“SMS” means Short Messaging Service.

“Transaction Fees” includes any fees and charges payable for the use of any of our Services as published by DEXINTEC on the App or by such other means as DEXINTEC shall in its sole discretion determine.

“Third-Party Service Providers” means entities that provide DEXINTEC support for our Services, including, for example, website and application development, hosting, maintenance, backup, storage, virtual infrastructure, payment processing, analysis, identity verification, background and compliance reviews, fund administration, banking services, and other services for us, which may require them to access or use your Personal Information and Relevant Information.

“You” or “User” means the person that intends to access the App, request for and receive the Services.

2. GRANT OF LICENCE

2.1 This App is owned and operated by DEXINTEC. DEXINTEC is a private limited liability company incorporated under the Laws of Hong Kong.

2.2 Subject to you agreeing to abide by these T&Cs, we hereby grant you a revocable, non-transferable, non-exclusive licence to use the App and the Services. Except as expressly stated in these T&Cs, the App and the Services are for your personal and non-commercial use. We reserve all other rights. The App, or any portion of the App, may not be reproduced, duplicated, copied, modified, sold, resold, or distributed without our express written consent.

2.3 Except as expressly stated in these T&Cs, we do not grant you any rights in or to our intellectual property or that of any other party in the App. The licence granted in this section is subject to your compliance with these T&Cs. In the event that you breach any provision of these T&Cs, your rights under this section shall immediately terminate.

2.4 The works of authorship contained in this App, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by DEXINTEC or one of its affiliates.

3. RESTRICTIONS ON USE OF APP AND SERVICES

3.1 You shall not engage in any activities related to this App that are contrary to applicable law, regulation or the terms of any agreements you have with us.

3.2 You shall not use the App or any of the Services in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these T&Cs, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the App, any Service or any related operating system.

3.3 You shall not infringe on DEXINTEC’s intellectual property rights or those of any third party in relation to your use of the App or any Service, including the submission of any material (to the extent that such use is not licensed by these T&Cs).

3.4 You shall not transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the App or any Service.

3.5 You shall not use the App or any Service in a way that could damage, disable, overburden, impair or compromise DEXINTEC’s systems or security or interfere with other users.

3.6 You shall not use any automatic device or manual process to access our Services or to monitor or copy our web pages, data or the content contained in this App or for any other unauthorised purpose without our prior expressed written permission.

4. USE OF THE APP AND SERVICES

4.1 The App and the Services are only available to individuals who are at least 13 years of age (in the US), 16 years of age (in the EEA) or 18 years of age, or the legal age of majority in your jurisdiction, whichever is higher. If we learn that we have inadvertently collected data from a minor below the required age, we will take immediate steps to terminate the account and delete the data..

4.2 The materials and information posted on the App may be printed for your use, provided, however, that they may not be duplicated, copied, re-disseminated or re-distributed to any other person or entity. Re-dissemination and re-distribution include without limitation, making any such materials and information available via the internet or via any other electronic means of access.

4.3 The information on the App, including research, is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

4.4 DEXINTEC reserves the right to decline your request for any of the Services or to revoke the same at any stage at DEXINTEC’s sole and absolute discretion and without providing any reason or giving any notice thereto.

4.5 DEXINTEC reserves the right (in its sole and absolute discretion) to provide, refuse to provide any of the Services and/or vary the terms of the provision of any Service depending on its assessment of your credit profile from time to time.

4.6 You agree to and shall release from and indemnify DEXINTEC against all claims, losses, damages, costs and expenses howsoever arising in consequence of, or in any way related to DEXINTEC having acted (or failing to act) in accordance with the whole or any part of any of your requests for a Service.

4.7 You shall not at any time operate or use the App or any of the Services in any manner that may be prejudicial to DEXINTEC.

4.8 You are strictly prohibited from unauthorised use of our systems or this App, including but not limited to unauthorised entry into our systems, misuse of passwords, or misuse of any information posted to this App.

5. FEES

DEXINTEC shall be entitled to set and charge Transaction Fees, in connection with your use of any of our Services and from time to time amend or vary its Transaction Fees for the Services. If DEXINTEC decides to charge Transaction Fees or where already applicable, vary or amend its Transaction Fees, the Transaction Fees payable on any new request for any of the Services shall be displayed on the App. DEXINTEC shall use reasonable endeavors to notify you of any changes in relation to Transaction Fees within a reasonable period before such changes are implemented.

6. PERSONAL INFORMATION

6.1 You hereby agree and authorise DEXINTEC to conduct background checks and verify personal information provided by you on the App or in connection with your use of any of the Services against the information held about you by any relevant Service Provider.

6.2 The information that DEXINTEC may verify against the information held by the Service Providers includes (without limitation): your phone number, name, date of birth, Identification Number (“ID”) or Passport Number and such other information that will enable DEXINTEC to identify you (the “Personal Information”). You must provide complete and accurate information as part of the registration and service process.

6.3 You hereby agree and authorise DEXINTEC to access and verify information on your device including, but not limited to, data relating to your phone, your device identification, and such other information as DEXINTEC shall require for purposes of providing you with the Services (the “Relevant Information”). This information will be accessed only with your express consent to your device’s permission on the APP. You may at anytime allow or disallow access to information stored on your device by changing your device’s settings. The refusal to provide such consent may only affect the specific features related to credit assessment and will not necessarily restrict your access to other basic functionalities of the App.

6.4 You hereby consent to DEXINTEC obtaining and verifying the Personal Information and the Relevant Information with the Service Providers and using the Personal Information and the Relevant Information to the extent necessary to provide the services or to enhance your experience on the App.

6.5 You hereby agree and authorise DEXINTEC to obtain and procure your Personal Information and Relevant Information from the relevant Service Provider and you further agree and consent to the disclosure and provision of such Personal Information and Relevant Information by the Service Provider.

6.6 You further agree to indemnify and hold DEXINTEC and the Service Provider harmless with respect to any claims, losses, liabilities and expenses (including legal fees and expenses) that may arise as a result of the disclosure and reliance on such Personal Information and/or Relevant Information and the use of the App.

6.7 You hereby agree and authorise DEXINTEC to send promotional information and materials from time to time, either by mail to your contact address, email, SMS, Whatsapp or Facebook. This authorisation shall survive during the term of the Service and after termination of the Service for any reason and can be withdrawn upon your explicit request.

6.8 DEXINTEC may use third-party services to help understand use of the Services (“Third-Party Service Providers”). You hereby agree and authorise DEXINTEC to share your Personal Information and Relevant Information, for the only purpose of better providing our Service, to the relevant Third-party Service Provider. The receipt of such information by the relevant Third-party Service Providers and their use of it is governed by their respective privacy policies.

If you request that we remove your Personal Data, we will convey that request to any third-party with whom we have shared your data. We are not, however, responsible for revising or removing your Personal Data obtained by any third party who has previously been provided your information by us in accordance with this policy or any third party to whom you have provided such information (whether by sharing your login and password, or otherwise).

6.9 DEXINTEC reserves the right to request for further information from you pertaining to your use of the App and request for any of the Services at any time. Failure to provide such information within the time required by DEXINTEC may result in DEXINTEC declining to provide you with the relevant Service.

6.10 You hereby authorise DEXINTEC to access and query your credit information from any of the credit bureaus and to receive credit reports/scores from any of the credit bureaus on behalf of you in order to assess your credit worthiness, wherever and whenever you apply for a new Service and during the persistence of such Service in order to assist DEXINTEC to accomplish its objectives and to enforce its rights under this agreement. You further consent to your credit information being shared with the credit bureaus. This consent shall not be withdrawn during the period in which your application is pending to or you have an outstanding balance with DEXINTEC. This consent shall automatically terminate upon clearance of all existing loans by you to DEXINTEC and as long as you have no outstanding facilities with DEXINTEC.

DEXINTEC reserves the right to supply consumer credit information and information about you to the credit bureaus. You acknowledge that information on your non-compliance with these T&Cs may be transferred to credit bureaus; and the credit bureaus may provide DEXINTEC with a credit profile and credit scores based on your creditworthiness.

7. USER’S RESPONSIBILITIES

7.1 You shall be responsible for obtaining and maintaining all telephone, computer hardware, software, and other equipment needed to access and use this App and receive the Services (the “Devices”).

7.2 You shall be responsible for ensuring the proper performance of your Devices. DEXINTEC shall neither be responsible for any errors or failures caused by any malfunction of your Devices, nor shall DEXINTEC be responsible for any computer virus or related problems that may be associated with the use of the App, the Services and your Devices.

7.3 You shall follow all instructions, procedures and terms contained in these T&Cs and any document provided by DEXINTEC concerning the use of the App and the Services.

7.4 You hereby agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your Devices and for keeping your Credentials secret and secure. You shall ensure that your Credentials do not become known or come into possession of any unauthorised person. DEXINTEC shall not be liable for any disclosure of your Credentials to any third party and you hereby agree to indemnify and hold DEXINTEC harmless from any losses resulting from any disclosure of your Credentials.

7.5 You shall take all reasonable precautions to detect any unauthorised use of the App and the Services. To that end, you shall ensure that all communications from DEXINTEC are examined and checked by you or on your behalf as soon as practicable after receipt by you in such a way that any unauthorised use of and access to the App will be detected. You shall immediately inform DEXINTEC in the event that:

(a)　you have reason to believe that your Credentials are or may be known to any person not authorised to know the same and/or have been compromised;

(b)　you have reason to believe that unauthorised use of the Services has or may have occurred or could occur and a transaction may have been fraudulently initiated or compromised.

7.6 You shall at all times follow the security procedures notified to you by DEXINTEC from time to time or such other procedures as may be applicable to the use of the App and the Services from time to time. In particular, you shall ensure that the Services are not used by anyone other than a person authorised to do so.

8. VARIATION AND TERMINATION

8.1 DEXINTEC may at any time, upon notice to you, terminate or vary your use of the App and access to any of the Services and, in particular, but without prejudice to the generality of the foregoing, DEXINTEC may cancel credits which it has granted to you and require the repayment of any outstanding debts resulting from the grant of such credit within such time as DEXINTEC may determine.

8.2 Without prejudice to DEXINTEC’s rights under clause 8.1 above, DEXINTEC may, at its sole discretion, suspend your use of the App or any of the Services:

(a)　if you use the App or any of the Services for unauthorised purposes or where DEXINTEC detects any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the App and the Services;

(b)　if DEXINTEC is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority;

(c)　if DEXINTEC reasonably suspects or believes that you are in breach of these T&Cs which you fail to remedy (if capable of being remedied) within 48 hours after the service of notice by email, SMS or other electronic means requiring you to do so;

(d)　where such a suspension is necessary as a consequence of technical problems or for reasons of safety; to facilitate an update or upgrade to the contents or functionality of the Services or the App from time to time;

(e)　if DEXINTEC decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as it may determine in its absolute discretion.

8.3 Termination shall not affect any accrued rights and liabilities of either party.

8.4 You have the right to request the deletion of your account and all associated personal data at any time through the App settings or by contacting us at support@easybuy.global. Upon such request, we will delete or anonymize your information, subject to our legal and regulatory obligations to retain financial records in your jurisdiction.

9. POTENTIAL DISRUPTION OF SERVICE

9.1 Access to this App or the Services may from time to time be unavailable, delayed, limited or slowed due to, among other things:

(a)　hardware failure, including among other things, failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;

(b)　software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;

(d)　damage caused by severe weather, earthquakes, wars, insurrection, riots, terrorism, pandemics, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;

(e)　interruption (whether partial or total) of power supply or other utility of service;

(f)　strike or other stoppage (whether partial or total) of labour;

(g)　governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention;

(h)　failure of any public or private telecommunications system;

(i)　any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond our control.

9.2 If access to this App or any of our Services is unavailable, delayed or limited, or if this App does not operate quickly and efficiently, you may be unable to transmit your instructions relating to any of the Services, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. While DEXINTEC will aim to minimise service interruptions, DEXINTEC shall not be liable for any such loss or damages incurred due to any interruption or disruption to the provision of the Services or your access to the App.

10. EXCLUSION OF LIABILITY

10.1 The App (including all information and materials contained on the App) is provided on an "as is" basis.

10.2 We may discontinue or make changes to the information, products or services described on the App at any time without prior notice to you and without any liability to you. We do not undertake any obligation or responsibility to update or amend any information on this App. We reserve the right to terminate any or all products or services offered on the App without prior notice to you. Where there are changes to any Service which may affect you, we will notify you of such changes using the inbuilt messaging platform on the App.

10.3 DEXINTEC shall not be liable for any delay, difficulty in use, computer viruses, malicious code or other defect in this App, any incompatibility between the App and the User's files and the User's browser or other site accessing program, or any other problems experienced by the User due to causes beyond our control.

10.4 DEXINTEC does not warrant the accuracy, adequacy, or completeness of the information and materials contained on the App and expressly disclaims liability for errors or omissions in such materials and information.

10.5 DEXINTEC only provides the Services for individual use, and small and medium business financing needs, and we shall not be liable to you for any loss of profit, loss of business, business interruption, or loss of business opportunity as a result of your unauthorised use of the Services.

10.6 DEXINTEC shall not be liable for any losses or damage suffered by you as a result of or in connection with:

(a)　any fraudulent or illegal use of the Services, the App and your Devices;

(b)　your failure to comply with these T&Cs and any document or information provided by DEXINTEC concerning the use of the App and the Services.

10.7 If for any reason other than a reason mentioned in clause 9.1, the Services are interfered with or unavailable, DEXINTEC’s sole liability under these T&Cs shall be to re-establish the Services as soon as reasonably practicable.

10.8 Save as provided in clause 10.7 above, DEXINTEC shall not be liable to you for any interference with or unavailability of the App or the Services, howsoever caused.

10.9 Under no circumstances shall DEXINTEC be liable to you for any loss of profit, opportunity or anticipated savings or for any indirect or consequential loss or damage of whatever kind, howsoever caused, arising out of or in connection with the use of, inability to use, or disruption to the App or any portion thereof; or the provision of the Services.

10.10 DEXINTEC shall not be liable to you for any losses, damages or liabilities incurred by you as a result of fraudulent acts by any third party. You agree to indemnify and hold DEXINTEC harmless against all losses, damages, liabilities, costs, and expenses (including but not limited to attorney’s fees) arising from any fraudulent or unauthorised transfer of loan repayments. You shall take all reasonable steps to ensure that repayments are made only to the account provided by DEXINTEC and shall immediately notify DEXINTEC in writing if you become aware of any unauthorised transfer.

11. COMMUNICATION

11.1 If you wish to contact DEXINTEC in writing, or if any condition in these T&Cs requires you to give notice to DEXINTEC, you can send this to us by e-mail to support@easybuy.global or to such e-mail address that may be communicated to you from time to time. We will confirm receipt of this by contacting you in writing by e-mail.

11.2 If we have to contact you or give you notice in writing, we will do so by posting such notice on our App; or by e-mail or SMS to the mobile phone number or e-mail address you provide to us when you register on the App.

12. GENERAL

12.1 No failure on the part of any party to exercise, or delay on its part in exercising, any right, power or remedy provided by these T&Cs or by law shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or remedy preclude any further or other exercise of that, or any other, right, power or remedy.

12.2 If any provision or part of a provision of these T&Cs shall be, or be found by any court of competent jurisdiction to be, invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions or parts of such provisions of these T&Cs, all of which shall remain in full force and effect.

12.3 You acknowledge that in accepting these T&Cs, you do not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these T&Cs or our Privacy Policy.

12.4 You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these T&Cs. You may not, without our prior written consent, assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these T&Cs.

13. GOVERNING LAW AND DISPUTE RESOLUTION

13.1 These T&Cs shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. Notwithstanding the foregoing, you may also be entitled to the protection of the mandatory laws of the country in which you reside.

13.2 DEXINTEC and the User shall use their good faith efforts to resolve any dispute, controversy or claim of any nature whatsoever arising out of or in relation to or in connection with these T&Cs or the use of the App.

13.3 Subject to the provision of clause 13.2 above, any dispute, difference or question whatsoever and howsoever arising out of or in connection with these T&Cs, shall be referred for final determination to the courts of Hong Kong. The Parties hereby irrevocably submits to the jurisdiction of Hong Kong courts.

14. DEXINTEC’S PRIVACY POLICY

14.1 DEXINTEC shall only use your personal information in accordance with our Privacy Policy. Please take the time to read our Privacy Policy, as it includes important terms which apply to you.