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Terms of Use
Introduction
This Terms of Use shall apply to your access to and the use of website https://koann.pro/ and any other, products, software(s), API keys, features, content or application services in connection therewith, offered from time to time by KOANN PTE. LTD., duly registered and operating under the laws of the Singapore, having its company No. 201917104G, and its address at: 176 Joo Chiat Road #02-02 Singapore, its licensors, affiliates (“Koann” or “we” or “our” or “us”) (collectively, “Website”).
The Website and its contents are intended solely for the personal, non-commercial use of Website users and may only be used in accordance with the Terms of Use. All materials displayed or performed on the Website (including, but not limited to text, graphics, articles, photographs, images, illustrations (also known as the “Content”)) are protected by copyright and other intellectual property laws. You shall abide by all copyright notices, trademark rules, information, and restrictions contained in any Content accessed through the Services, and shall not use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell or otherwise exploit for any purposes whatsoever any Content or third party submissions or other proprietary rights not owned by you: (i) without the express prior written consent of the respective owners, and (ii) in any way that violates any third party right.
Any natural or legal person (hereinafter referred to as a “User”, “You”, “Your”), at any time may enter the Website or use our Services, you agree to be bound by this Terms of Use (which includes the Privacy Policy and Cookie Policy available on the Website), published on the Website, governing use of the Website that are in force at that time.
Use of the Website
By using the Website or Services, you represent and warrant that: (1) you have the legal capacity and you agree to comply with the Terms of Terms; (2) you are not a minor in the jurisdiction in which you reside; (3) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (4) you will not use the Services for any illegal or unauthorized purpose; and (5) your use of the Website and Services will not violate any applicable law or regulation.
Third-Parties Content
We may allow third-parties advertisers to provide their content on the Website, you acknowledge that your access to or use of these websites and services is entirely at your own discretion and at your own risk and you will be solely responsible for any loss or damage that may result from such access or use.
Disclaimers and Assumptions of Risk
Other than as expressly set out in this Terms of Use, the Website, Content and Service are provided strictly on an “AS IS” and “AS AVAILABLE” basis without any warranties. To the maximum extent permitted by applicable law, the Koann disclaim all express, implied, and statutory warranties with respect to the same, including without limitation any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, completeness, non-infringement, non-interference, error-free service, and uninterrupted service. Koann neither represents nor warrants that the Website, Content and Service provided through the Websites or software, or information downloaded from the Website will be accurate, current, uninterrupted, error-free, omission-free, or free from viruses or other harmful components.
Some authorities prohibit the disclaimer of certain warranties or conditions or the limitation of certain types of liability. In such circumstances, to the extent that such prohibitions prohibit any exclusions and limitations in this Terms of Use, such exclusions and limitations will not apply to you strictly to the extent necessary to make this Terms of Use consistent with such prohibitions.
Limitation of Liability
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES OR WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO 1 USD.
Assignment
We may at any time assign our rights and obligations under this Terms of Use, in whole or in part, without notice to you. You may not assign this Terms of Use without our prior written consent.
Applicable Law
This Terms of Use and all disputes and claims arising out of or in connection with them shall be governed by and construed in all respects in accordance with the laws of Singapore. You irrevocably agree that the courts of Singapore shall have non-exclusive jurisdiction to settle any dispute or claim arising out of, or in connection with, this Terms of Use, its subject matter or formation (including non-contractual disputes or claims).
Amendments to this Terms of Use
Koann reserves the right, in its sole discretion, to modify, update, or otherwise revise this Terms of Use at any time. Such revisions shall be effective immediately upon posting on the Website. By using the Website you agree to be bound by such revised Terms of Use. In addition to these Terms of Use, additional terms may govern use of certain web pages within the Website or the creation, maintenance and use of a link to the Website, as such terms may be contained on the web pages of the Website. Provided that such additional terms are not contrary to these Terms of Use, by accessing and using such web pages, and creating, using, and maintaining a link to the Website, you agree to be bound by such terms.
Contact Us
If you have any questions regarding this Terms of Use, please contact us using the information below:
KOANN address: 176 Joo Chiat Road #02-02 Singapore (427447)
KOANN e-mail: info@koann.pro
Purpose
Koann's products/or services usage
Compliance with laws and regulations related to the Koann
Performing for Marketing Purposes

Data
  • Full legal name.
  • Date of birth.
  • Address.
  • Email address.
  • Phone number.
  • Details government-issued IDs.
  • Taxpayer identification number, tax status.
  • Information about payment details.
  • Technical data (IP address, login, setting preferences).
  • Your requests, preferences, feedback, and other information collected when you communicate with Koann.
  • Full legal name.
  • Email address.
  • Phone number.
  • Cookie.
  • Your requests
  • Information You provide to Koann

Legal bases
  • Necessary for the performance of a contract, such as a subscription, submission of a service request to use the Koann's products/or services.
  • Necessary for the compliance with laws, including but not limited to Anti-Money Laundering Law, and the law governing services supervision.
  • Consent, in the case of responding to forms of interest in using the Koann's products/or services, including marketing where it directly affects the privacy rights of the Personal Data subject, such as direct marketing.

YOUR DATA PROTECTION RIGHTS

  • Right to be informed about why and how we are processing your personal data - we hope we achieved this by providing you with this Privacy Policy.
  • Right to have access to your data - you have the right to ask us if we are processing your personal data, why we are doing so, under what lawful basis, the categories of your personal data, who we share your data with, how long we keep it, and request a copy of the data we are processing. If you are unable to find sufficient information in our Privacy Policy, please contact us.
  • Right to object to some processing - direct marketing, or if processing of certain data.
  • Right to have your data deleted - otherwise known as “right to be forgotten”. You can exercise this right if you withdraw your consent and there is no further legitimate interest or lawful basis in our processing of your data, your objection to processing under legitimate interests outweighs our interests, the processing is no longer necessary, there is a law that requires the data to be deleted, or the processing is unlawful.
  • Right to restrict processing - if the personal data we are processing is inaccurate, if our processing is unlawful, if the data is no longer necessary for the original purpose of processing but needs to be kept for potential legal claims, or you have objected to processing carried out under legitimate interests and we’re still in the process of determining whether there is an overriding need to continue processing.
  • Right to data portability - you can ask for your data that we process by using a computer, which you provided to us on the basis of consent or because it was necessary for a contract.
  • Right to ask us about automated decision-making - you have the right to ask us to explain the logic involved in making any automated decisions and for the decision to be reviewed by a human being, if that decision had an effect on your rights or freedoms.
  • Right to rectification - if any of your personal data that we hold is inaccurate, you can request to have it corrected.
  • You have the right to lodge a complaint with the competent data protection authority if you have concerns about how we process your personal data. However, we would appreciate it if you contacted us first and gave us an opportunity to resolve the issue.

PERSONAL DATA OF CHILDREN AND MINORS
We do not knowingly collect, process, store, use or disclose the personal data of individuals who have not reached sufficient legal capacity to perform works and/or render services under the laws of the country of citizenship and/or permanent residence of the data subject unless otherwise provided by applicable laws.
You must not use the Koann Service if you: (1) do not have the sufficient legal capacity to use the Koann Service in accordance with the national laws of your country of citizenship and/or permanent residence; and (2) have not obtained all the necessary permissions and consents to perform work and/or provide services in the country of which you are a citizen and/or in which you permanently reside and/or from which you access and/or plan to use the Koann service.

COOKIE
Please refer to the Koann Cookie Policy to find out about the types of cookies we use, for what purposes, and how you can manage your cookie.

WHEN AND HOW WE SHARE INFORMATION WITH OTHERS
In order to provide you with certain functions and services, we have to share your personal data with partners, external third-party service providers, related and regulatory entities. They process your personal data on the basis of data processing agreements and according to strict instructions, which do not allow them to use your data for any other purposes without notifying you or asking for your consent. The categories of the parties we may share your data with:

  • payment service providers and banks (to fulfil payment obligations);
  • KYC/KYB/AML service providers (for due diligence purposes and to comply with applicable laws);
  • Third parties taking legal actions in connection with debt collection on our behalf (in accordance with the applicable laws);
  • Our legal, accounting and auditing service providers, Government authorities and authorized bodies, law enforcement bodies;