Legal Resources

Direct Operator Billing API Specification 

NOTE: 

All APIs discussed under this section are RESTful APIs with a JSON payload where applicable.

Direct Operator Billing APIs are based on the OneAPI payment API V3: 

  • Charge a user 
  • List Charge operations 
  • Refund

APIGATE GENERAL TERMS

INTERNETWORK API

This General Terms (Internetwork API) applies to all Partners whom Apigate Sdn Bhd (Company No. 201701045511 (1259684-W)) procures the services from or to all Partner whom is subscribing to the services offered by Apigate Sdn Bhd. By signing the Service Order Form, you are deemed to have read and accepted the term and conditions stated herein and all relevant policies. Apigate Sdn Bhd may amend and update the terms from time to time and Apigate Sdn Bhd may give you notice of such change via our website. You hereby agree that your continuous provision of the Services shall signify your acceptance to the changes and any updates to the terms and conditions mentioned therein.

1. THE BASICS

1.1 Apigate Sdn Bhd has developed a mobile internet and fulfilment exchange, as described as the “Apigate Exchange”, for Southbound Partners (which includes but is not limited to mobile network operators) to expose certain network capabilities for our Northbound Partner to make use of those network capabilities. Apigate procures telecommunication services to its Service Providers from its Southbound Partners.

1.2 This General Terms apply to the Services Apigate Sdn. Bhd procures from you or you subscribe from Apigate Sdn Bhd. This General Terms will be applicable for Apigate Sdn Bhd., its affiliates, its subsidiaries, its successors and permitted assigns (hereinafter referred to as “Apigate”).

1.3 The Services that you provide or that you subscribe from Apigate has its own Service Order Form and Service Catalogue including but not limited to Apigate’s Policies and Rules and as well as other related documents with more detailed terms (“Incorporated Documents”). Parties agree that the entity within Apigate Group of Companies that will be procuring the Services from you or Services you subscribe from shall be specified in each Service Order Form.

1.4 This General Terms, the Service Order Form and the Incorporated Documents would be collectively referred to as “the Agreement”, unless stated otherwise in the Service Order Form.

1.5 If there is a conflict between the documents, the order of priority, highest first, is:

(a) the Service Order Form;

(b) this General Terms; and

(c) any Incorporated Document.

2. WHAT YOU HAVE TO OBSERVE

2.1 Apigate shall in consideration of the Charges and all other monies paid by you, procure the Services from its Southbound Partner and provide the Services to you as specified in the Service Order Form with reasonable care and skill.

2.2 You shall concurrently perform your duties and obligation as contained in this Agreement.

2.3 You acknowledge and accept that Apigate may perform any of its obligations of exercise any of its rights under this Agreement, by itself, a Southbound Partner or through such appointed Affiliate.

3. RESTRICTIONS AND LIMITATIONS THAT YOU HAVE TO COMPLY

3.1 Your relationship in relation to the Apigate Exchange must be with Apigate only and Apigate will contract with and have the sole relationship with the Southbound Partner of the Services;

3.2 You must only resell the Service to its Service Providers that has entered into a separate agreement with you to subscribe to the Services;

3.3 You must ensure that the Services are not targeted for use by your Service Providers and the subscribers outside of the relevant Territory (as specified in the Service Order Form). You must ensure that all reasonable steps are taken to ensure that other digital rights management technologies applied to the Services are included and maintained and apply additional technologies to protect against the use of those Services outside of the relevant Territory;

3.4 You must not commit or permit any copying, reselling, altering, modifying, creating of derivative works, reverse engineering, decompiling, translating, disassembling, adding, attaching or extracting source code or any Confidential Information in connection with the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Receiving Party or any third party in connection with any Services; and

3.5 You must not permit any personnel, agents, third party contractors or other third parties under your control to, by act or omission or in any manner, encumber, impair or otherwise prejudicially affect the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with any Services. This may be done by having in place security measures, systems, applications, and processes in accordance with good industry standards and practices.

3.6 You must ensure that, in relation to the consumption of Services by Service Providers, no act or omission is committed or permitted by you which could reasonably be considered to be or likely to be:

(a) unsolicited, unauthorised, inappropriate, offensive, obscene, indecent, defamatory, abusive, harassing or threatening;

(b) damaging, disruptive, destabilizing, destructive, corruptive, intrusive, probing, circumventing or dangerous;

(c) infringing a third party’s rights; or

(d) adversely affecting or damaging the goodwill or reputation of any Party.

3.7 Each Party (including any personnel, agents, third party contractors or other third parties under its control) must not make any public statement or act in any manner which is reasonably likely to disparage, criticise, or bring into disrepute the other party or the third parties involved in enabling the Services.

3.8 Apigate shall be liable for the due performance of the Services in accordance with this Agreement by its Southbound Partner and for the purposes of this Agreement, its Southbound Partner’ acts or omissions in all respects as if such acts and omissions were its own.

3.9 You acknowledge that Apigate’s Southbound Partner shall have the right to benefit from the Agreement in relation to any Services passed through to Apigate by a party.

3.10 The parties acknowledge that the mechanism under which any obligation under the Agreement are passed by a party to their respective Southbound Partner is set out by separate agreement between the party and its respective Southbound Partner and is not included within the scope of the Agreement.

3.11 In the event that any Southbound Partner ceases to be a Southbound Partner of any party, that party shall promptly notify in writing the other party about that fact.

3.12 The parties agree and acknowledge that the rights and obligation pursuant to the Agreement does not in any way bind the parties Southbound Partner, Service Providers, subscriber or any of its third party enabling the Services and only governs the rights and obligation of the parties to this Agreement.

4 WHAT WE NEED TO COMPLY

4.1 Both parties agree to ensure its compliance with applicable Law in connection with the Agreement and the Services and each party warrants and represents that it has obtained and will maintain all legal, regulatory and governmental approvals and consents required from the relevant authorities in Malaysia, or in your case, in the Territory, in relation to its respective obligations under this Agreement.

4.2 Both parties further warrant and represent that it has obtained and will maintain all necessary approvals, licenses, sub-licenses, rights, and consents from all other necessary third parties, in respect of the consumption of Services.

5 DATA PROTECTION

5.1 You shall at all times comply with the Personal Data Protection Policy .pdf in regard to the Personal Data.

6 INTELLECTUAL PROPERTY RIGHTS ("IPR”)

6.1 You shall at all times comply with the Intellectual Property Rights Policy.pdf in regard to the IPR.

7 KEEPING THINGS CONFIDENTIAL

7.1 Confidentiality:

(a) We will both keep all Confidential Information confidential;

(b) We will both take adequate and appropriate steps to notify our employees and the third parties and Service Provider of their obligations to comply with the Agreement;

(c) We both agree that either party may disclose the Agreement to its related companies, solicitors, auditors, insurers and accountants to the extent necessary for that party to perform its obligations or exercise its rights under the Agreement; and

(d) This confidentiality clause shall survive for 2 (two) years from the termination or expiry of the Agreement for any reason.

8 PUBLICITY

8.1 Each party may only make a public announcement or communication in connection with the Agreement with the prior written consent of the other party and the relevant third party’s contractors, except that the other party may make a public announcement or communication if required by Law, court order, governmental authority or the listing rules of any stock exchange of which the receiving party or its related companies are bound.

9 WE BOTH REPRESENT AND WARRANT

9.1 The execution, delivery, and performance of the Agreement have been duly authorised by all necessary corporate and other actions and approvals, and that the Agreement constitutes a legal, valid and binding obligation of that party.

9.2 Both parties have not relied on any representation made by the other party which has not been stated expressly in the Agreement. Except as specified in this clause, any condition or warranty is expressly excluded save in the case of fraudulent misrepresentation.

10 IF SOMETHING GOES WRONG

10.1 We both shall indemnify and hold harmless the other party in respect of Loss suffered or incurred by either party, arising from any claim that the intellectual property owned by either party infringes any Intellectual Property Rights of a third party.

10.2 Apigate’s entire liability to you for all claims, demands and proceedings arising under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) will be limited to an aggregate amount equal to the Contract Price.

10.3 In no event shall a party be liable to the other party under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any indirect or consequential damages, even if the first party has been advised of the possibility of such damages, or for any damages for loss of profit, goodwill, business opportunity, anticipated savings or data.

10.4 The Apigate Exchange is hosted and managed on servers operated by the Hosting Provider (“Hosting Provider”). Notwithstanding anything to the contrary in the Agreement, Apigate excludes all liability to you (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any and all Loss (including direct, indirect and consequential damages) arising out of or in connection with the Agreement, the Apigate Exchange and the Services, that are caused directly or indirectly by any act or omission by the Hosting Provider or any default, error, unavailability or failure of the Hosting Services.

10.5 Parties acknowledge that:

(a) Apigate shall use and rely upon confirmations, receipts, information or reports provided by third parties such as the Southbound Partner of Services in connection with the Apigate Exchange. As such, Apigate gives no warranty and makes no representation as to the accuracy, completeness or timeliness of such data or information;

(b) Apigate gives no warranty and makes no representation as to the functionality or ability of the Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or any Services consumed by you, to meet any minimum transaction volumes or forecasts or always be available, uninterrupted, errorfree, secure, free from harmful components, non-infringing, or to be fit for purpose; and

(c) all such warranties and representations are hereby excluded to the extent permitted by applicable Law.

10.6 Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or any Services consumed by you, may not be available during any periods of maintenance, upgrades or Force Majeure Events.

10.7 The limitations and exclusions of liability anywhere in the Agreement will not operate to restrict or exclude:

(a) a party's liability to make any payment of fees and interest on late payment of fees to the other party in accordance with the Agreement;

(b) a party’s liability for breach of the parts of the Agreement titled ‘Data Protection’, ‘Restrictions and Limitations That You Need to Comply’, ‘Publicity’ or ‘Keeping Things Confidential’;

(c) any obligation by you to indemnify any person under the Agreement;

(d) your liability for claims, actions, directions, objections, investigations, requirements, fines, penalties, sanctions or other remedies from any relevant authority relating to a failure by you to comply with applicable Law or Authorisations or any act or omission by you putting Apigate in breach of applicable Law or Authorisations;

(e) a party's liability for that party's fraud;

(f) a party's liability for death or personal injury caused by that party; or

(g) any liability that cannot be excluded under mandatory applicable Law.

11 WHEN WILL THE SERVICES BE SUSPENDED OR TERMINATED

11.1 Either party may suspend, and/or terminate your consumption of one or more of the Services, or the provision and use of the Apigate Exchange by written notice to the other party at any time:

(a) if a party is in breach of the Agreement (including any failure to pay an invoice by the due date), or the Service Providers reasonably suspects a breach of the Agreement or misuse of the Services or Apigate Exchange;

(b) in the event the Services or provision and use of the Apigate Exchange is no longer practical or feasible;

(c) in circumstances where there is a third party intellectual property claim against a party or any third party that is relevant to the Apigate Exchange, Services or any rights or obligations under the Agreement; or

(d) where suspension or termination is required in order for party to comply with an injunction or other court order issued against it or any relevant third party relating to the provision and use of the Apigate Exchange; or

(e) if a third-party , for any reason, suspends provision of the third-party services required for the consumption of the Services by you or otherwise ceases to provide (temporarily or otherwise) the Services.

11.2 If a party exercises its right to suspend pursuant to Clause 11.1, then the party may use reasonable endeavors to resume the provision and use of the Apigate Exchange, or the consumption of the affected Services within a reasonable period of time, which is commercially practicable and feasible in all of the circumstances.

11.3 Any suspension of the Services by a party under this Clause shall not affect that party’s right to subsequently terminate the Agreement.

12 WHEN THE TERM STARTS

12.1 This General Terms shall be effective from the date of the Service Order Form until it is terminated.

12.2 Each Services shall start on the date as set out in the Service Order Form.

13 WHEN THE SERVICE ORDER FORM ENDS

13.1A party (“Terminating Party”) may terminate any one or more of the Services or the Service Order Form, immediately by providing written notice to the other party to that effect if:

(a) that other party becomes insolvent or makes an assignment for the general benefit of creditors, or any proceedings are commenced by or against that other party under insolvency Law;

(b) proceedings for the appointment of a custodian, receiver, receiver-manager or any other official with similar powers for that other party are commenced; or

(c) that the other party ceases to carry on business.

13.2 Apigate may terminate any one or more of the Services or the Service Order Form upon thirty (30) days’ written notice in the event a Change in Control occurs. You must promptly notify Apigate if a Change in Control of you occurs.

13.3 A party may terminate any one or more of the Services or the Service Order Form immediately by providing notice to the other party if that other party:

(a) has not performed any material covenant; or

(b) has breached any material term of the Agreement,

and such failure to perform or breach is:

(i) incapable of cure; or

(ii) capable of cure, but the other party fails to cure the failure to perform or breach within thirty (30) days of receipt of notice by the non-defaulting party (or such additional cure period as the non-defaulting party may authorize).

13.4 If a delay or failure by a party to perform its obligations due to a Force Majeure Event exceeds thirty (30) continuous days, the other party may immediately terminate any one or more of the Services or the Service Order Form by providing notice to the other party.

13.5 A party may terminate any one or more of the Services or the Service Order Form upon thirty (30) days’ notice to the other party without assigning any reason whatsoever.

13.6 Precedence in Termination:

(a) Termination of all Service Order Form will automatically terminate the Agreement; and

(b) Termination of all Services will automatically terminate the relevant Service Order Form covering those Services.

13.7 Return or destruction of Confidential Information:

(a) Either party must as soon as practicable on expiry or termination of the Agreement or any part of this Agreement:

(i) return to the other party or (if upon request of one party) destroy;

(ii) certify in writing to the other party the destruction of; and/or

(iii) permit an employee of either party to witness the destruction of,

all Confidential Information, Materials and information containing or comprising Intellectual Property Rights owned by or licensed to either party or Data and/or Personal Data used under or in connection with the expired or terminated Agreement other than one copy of any notes and other records of the Confidential Information that you are required by Law to retain.

13.8 For the avoidance of doubt, the obligations on confidentiality as provided in the Agreement shall continue to apply to any such Confidential Information retained by you.

13.9 Survival of clauses:

(a) The following shall survive the termination or expiry of the Agreement or any part of this Agreement:

(i) the relevant parts of the Agreement in Clauses 5 (Data Protection), 8 (Intellectual Property Rights), 9 (Keeping Things Confidential),10 (Publicity), 12 (If Something Goes Wrong), 15 (When the Term Starts) , 16 (When the Service Order Form Ends), 17 (Transferring to Another Party), 18 (Entire Agreement), 19 (Choice of Law), 20 (Settling Disputes), 21 (Notices), 28 (General) and 29 (Defined Terms); and

(ii) as well as any other term which by its meaning or nature may be understood to survive termination or expiry of the Agreement or any part of the Agreement.

(b) Except as expressly provided otherwise in the Agreement, termination or expiry of the Agreement shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination or expiry, including the right to claim damages in respect of any breach of the Agreement which existed at or before the date of termination or expiry.

14 TRANSFERRING TO ANOTHER PARTY

14.1 Neither party may assign or novate without the prior written consent of the other party except that either party from time to time may assign or novate this Agreement, in whole or in part, to any entity within each party’s group of companies by giving notice to the other party.

14.2 If a party subcontracts any of its obligations under this Agreement, then that party will remain fully responsible and liable for the performance of its obligations.

15 ENTIRE AGREEMENT

15.1 The Agreement constitutes the entire agreement between the parties and supersedes all prior representations and agreements, oral or written, save in the case of fraudulent misrepresentation.

16 CHOICE OF LAW

16.1 The Law of Malaysia will apply to the Agreement and any disputes or claims in connection with it or our relationship, including non-contractual ones.

17 SETTLING DISPUTES

17.1 We will both do what we reasonably can to settle any dispute or claim that occurs under or in relation to the Agreement and to avoid having to get the courts or regulatory authorities involved.

17.2 We will both use the following dispute resolution process:

a. whichever of us is affected will provide Notice of the complaint that clearly sets out the full facts and includes relevant supporting documents;

b. we will both use reasonable endeavours to settle the dispute within seven (7) days;

c. if the dispute is not settled after seven (7) days (or any other period agreed by both of us in writing), then the Chief Executive Officer of Apigate (or person with an equivalent level of seniority) and your counterpart (or person with equivalent level of seniority) shall meet to resolve the Dispute; and

d. if the dispute is still not settled seven (7) days after it is escalated, or no meeting for the purpose of settling the Dispute has taken place within twenty-one (21) days after the service of a Dispute Notice, the Dispute shall then be referred to and shall be finally and exclusively resolved by arbitration under the rules of the Asian International Arbitration Centre (AIAC) in force as at the date of application for arbitration ("AIAC Arbitration Rules 2018"). The AIAC Rules are hereby incorporated by reference into the Agreement.

17.3 The arbitration award rendered shall be in writing and shall set out the reasons for the arbitrator’s decision. The award shall apportion the costs of the arbitration as the arbitrator deems fair.

17.4 The arbitration shall be conducted before a sole arbitrator. The seat, or legal place of arbitration, shall be Kuala Lumpur. The language of the arbitration shall be English. All documents submitted in connection with the proceedings shall be in the English language, or, if in another language, accompanied by an English translation.

17.5 We both agree that the arbitration award shall be final and binding on both of us and may be enforced in any court of competent jurisdiction.

17.6 Without prejudice to the above provisions, both of us may seek injunctive relief, including restraining orders and preliminary injunctions, in any court of competent jurisdiction, and either party may request that a court refers the proceedings to arbitration in accordance with this Agreement.

18 NOTICES

18.1 Any notice, invoice, request or other document or communication to be given under the Agreement shall be in writing and in the English language and may be given or sent by:

(a) hand delivery or courier, in which case it will be deemed to have been delivered immediately upon delivery;

(b) registered post, express or other fast postal services, in which case it will be deemed to have been delivered within seven (7) days of it being posted; or

(c) electronic mail, in which case it will be deemed to have been delivered at the time that it was sent as evidenced by a transmission report generated by the computer system,

to the other party at the address or email address set out in this Agreement, as may be updated from time to time by the other party.

19 PAYMENT

19.1 Payment terms shall beset out in the relevant Service Order Form and Service Catalogue.

19.2 Each party shall bear its own costs and expenses as set out in this Agreement.

19.3 Unless specifically agreed otherwise, each party shall not request or require, nor prevent or delay, the performance of the Agreement by requesting or requiring, any payment or other amounts from any of the other party’s Southbound Partner or Service Providers or subscribers of the Services.

19.4 Each party may issue invoice or statement of account (as applicable) to the other party for any applicable amount under this Agreement. Failure by a party to raise an invoice or statement of account (as applicable) will not prejudice or waive its right to later invoice or raise statement of account (as applicable) for the relevant amount.

19.5 Each party may be required to provide relevant information evidencing any amounts claimed in accordance with this Agreement.

19.6 Each amount invoiced or statement of account issued (as applicable) must be paid within thirty (30) days following the date of receipt of the invoice or statement of account (as applicable) if it is not disputed unless otherwise expressly provided in the Agreement or in the Service Order Form. Each party agrees that in the event the sum is less than or equivalent to USD250.00 or RM1,000 (“Minimum Sum”) depending on the agreed currency in the Service Order Form, the settlement of such sum shall be paid when the cumulative amount of the invoice or statement of account is more than the Minimum Sum or at the end of the relevant quarter of the year, whichever is earlier. Each Party shall bear its own bank transfer or finance charges as applicable.

19.7 In the event of any dispute to any amounts payable in accordance with this Agreement, such disputes shall not be a reason to withhold or deny any undisputed payments. Such disputes shall be resolved in accordance with the dispute resolution procedures as provided for in this Agreement.

19.8The rate card for Services is set out in the relevant Service Order Form.

19.9 The rate of exchange to be applied to convert any payments to be made under the Agreement from a foreign currency into a local currency rate to be applied for Apigate to convert the transaction currency into the currency agreed in the applicable Service Order Form and shall be at the rate of exchange published by Oanda + 5% mark up on the date of the payment.

19.10 Apigate shall not be liable for any loss caused by exchange rate fluctuations or by any failure to remit or convert funds to the currency stated in the Service Order Form at a particular time or at a more favorable rate of exchange than actually used.

19.11You shall bear any operation costs incurred by Apigate during the on-boarding processsubject to prior notice to you on such cost.

19.12 Any undisputed amount that is not paid in full within the timeframe stipulated in Clause 19.6 shall bear interest at the rate of 8% per annum calculated on a 365 day basis from the due date until payment in full.

20 TAXES

20.1 Unless agreed otherwise in a Service Order Form, Apigate will not be responsible for any bad debts, unrecovered sums or withholding for tax purposes and Apigate will deduct any such bad debts, unrecovered sums or withholding for tax purposes from the monthly invoice or statement of account issued to you.

20.2 Unless agreed otherwise in a Service Order Form, all payments must be made by Originating Party in accordance with the Agreement regardless of any bad debts, unrecovered sums or withholding for tax purposes and must be accounted for in full and any payment grossed up to make whole all amounts specified in this Agreement.

20.3 Withholding tax

a) The Charges shall be paid without withholding, counterclaim or deduction unless prohibited by any applicable law. If under applicable law withholding tax is payable by a paying party, the paying party will, at the same time as making the payment, pay to the billing party such additional amount as will result in the receipt by the billing party of the full amount which would otherwise have been receivable had no withholding or deduction been payable and the paying party will on request supply to the billing party evidence satisfactory to the billing party that the paying party has accounted to the relevant authority for the sum withheld or deducted. For the purposes of this Clause 20, Apigate shall be the billing party and you shall be the paying party respectively.

b) In the event that a double taxation treaty applies which provides for a reduced withholding tax rate, paying party shall only withhold and pay the reduced tax on behalf and for the account of billing party if billing party has provided an appropriate exemption certificate as required by the competent tax authority or any other appropriate form required under local law. paying party shall use all reasonable efforts to assist billing party in obtaining any reduction in withholding tax under applicable law.

c) The billing party shall reimburse the paying party any sums recovered from the relevant authority in respect of which the paying party was required to withhold but paid to the billing party within thirty (30) days following receipt of such amounts by the billing party.

20.4 Taxes and duties: Duties and other governmental or administrative charges and levies of any kind whatsoever arising from the Agreement, including sales, services, use, value added, goods and services or others ("Taxes") may be levied in addition to any payment for Services to be made in accordance with the Agreement and will be payable in accordance with the Agreement.

20.5 Your obligation to pay for the taxes: Where any service tax, goods and services tax, or tax of similar nature is applicable on any goods or services supplied under the Agreement is imposed by the relevant government authorities, you shall pay for the appropriate service tax or goods and services tax, or tax of similar nature under each invoice, provided that Apigate has complied with the following:

(a) Apigate is duly licensed by the relevant government authorities to collect such service tax or goods and services tax, or tax of similar nature;

(b) the appropriate service tax or goods and services tax, or tax of similar nature for each invoice is included under the relevant invoice at the time of the issuance of the invoice; and

(c) all invoices or statement of account (as applicable) provided by Apigate to you to comply with the relevant Law in respect of service tax or goods and services tax, or tax of similar nature enforced by the relevant government authorities.

20.6 Apigate’s obligation to pay for the taxes: If Apigate is required to pay any Taxes to any relevant third party in connection with the Agreement, Apigate may pass through such Taxes which may be levied in addition to any payment for Services and other Taxes to be made in accordance with the Agreement and will be payable in accordance with the Agreement.

20.7 All other taxes shall be the responsibility of the relevant party in compliance with the prevailing tax treaty or tax regulations in any relevant country.

21 GOVERNANCE

21.1 Each party’s respective Commercial Representative will be as set out in the Service Order Form and each party may update the personal particulars accordingly.

21.2 Each party’s respective Service Representative for a particular Service will be as set out in the Service Order Form and each party may update the personal particulars accordingly.

21.3 The parties’ respective Commercial Representatives and Service Representatives (or their delegates) will meet on a quarterly basis to discuss the Services via video conference or any such means as agreed by both parties.

22 UNFORESEEABLE EVENTS

22.1 A party shall not be responsible for any delay, interruption or failure that is caused, whether directly or indirectly, by:

(a) the other party, any government agency or a court of competent jurisdiction issuing any order, directive or instruction which affects the first party’s performance of such obligations;

(b) the other party failing, neglecting or omitting in performing its obligations under this Agreement, including performing its responsibilities in accordance with the Agreement in an efficient and timely manner; or

(c) the occurrence of a Force Majeure Event,

which has a material impact on the performance of the relevant obligations of the first party.

22.2 If such an event occurs, the first party must:

(a) notify the other party of the delay, interruption or failure;

(b) identify the specific nature of the delay, interruption or failure; and

(c) comply with the reasonable instructions of the other party in relation to the delay, interruption or failure (including any requirement to develop and implement an action plan in relation to that delay, interruption or failure).

23 GENERAL

23.1 Severability: If any illegal, invalid or unenforceable part of the Agreement would be legal, valid or enforceable if part of it were removed, we both will negotiate in good faith to change the Agreement, so it reflects what we both originally intended as much as possible.

23.2 Survival of Agreement: The Agreement is to be binding upon the parties and their respective successors.

23.3 Waiver: No delay or failure to exercise or enforce any right or provision of the Agreement is considered a waiver of that right unless made in writing.

23.4 Relationship of the parties: The relationship of the parties shall be as per the terms set out in this Agreement.

23.5 Set-off: Neither party shall be entitled to set off any amount payable under this Agreement unless the Agreement expressly provides otherwise.

23.6 Costs: Each party shall bear its own costs and expenses in connection with this Agreement.

23.7 Making changes to the Agreement: Any changes shall be in writing and executed by both parties.

23.8 Cooperation with third parties: You shall cooperate with, and provide any information requested by, any third parties engaged by Apigate in connection with the Agreement.

24 DEFINED TERMS

The defined terms are as defined in the Defined Terms.pdf

APIGATE GENERAL TERMS

SHORT MESSAGE SERVICES

This General Terms (Northbound) applies to all Partners subscribing to Short Message Services offered by Apigate Sdn Bhd (Company No. 201701045511 (1259684-W)). By signing the Service Order Form, you are deemed to have read and accepted the term and conditions stated herein and all relevant policies. Apigate Sdn Bhd may amend and update the terms from time to time and Apigate Sdn Bhd may give you notice of such change via our website. You hereby agree that your continuous use and access of the Services shall signify your acceptance to the changes and any updates to the terms and conditions mentioned therein.

1. THE BASICS

1.1 Apigate Sdn Bhd has developed a mobile internet and fulfilment exchange, as described as the “Apigate Exchange”, for our Southbound Partner (which include but not limited to mobile network operators) to expose certain network capabilities for you to make use of those network capabilities.

1.2 This General Terms apply specifically to the Short Message Services you acquire from us. This General Terms will be applicable for Apigate Sdn Bhd., its affiliates, its subsidiaries, its successors and permitted assigns (hereinafter referred to as (“Apigate”).

1.3 This Services that you acquire has its own Service Order Form. This Services also has its own Service Catalogue including but not limited to Apigate’s Policies and Rules and as well as other related documents with more detailed terms (“Incorporated Documents”). Parties agree that the entity within Apigate Group of Companies that will be providing the Services to you shall be specified in each Service Order Form.

1.4 This General Terms, the Service Order Form and the Incorporated Documents will collectively be referred to as “the Agreement”.

1.5 If there is a conflict between the documents, the order of priority, highest first, is:

(a) the Service Order Form;

(b) this General Terms; and

(c) any Incorporated Document,

2. WHAT YOU HAVE TO OBSERVE

2.1 You must comply with Apigate’s Policies and Rules (as provided to you) to the extent that they are applicable to the receipt of the Services.

2.2 You must act with all proper diligence and in good faith and in a manner, which is consistent with the Agreement.

2.3 You agree to provide Apigate with access to all documentation, systems, and other resources reasonably required by Apigate under the Agreement.

2.4 In relation to the Services provided in accordance with the Agreement, you must ensure that the Services are provided with reasonable care and skill.

3. RESTRICTIONS AND LIMITATIONS THAT YOU HAVE TO COMPLY

3.1 Your relationship in relation to the Apigate Exchange must be with Apigate only and Apigate will contract with and have the sole relationship with Southbound Partner of the Services. You must not enter into any contracts or arrangements relating to the Services directly with any of the Southbound Partner of the Services.

3.2 You must not commit or permit any copying, reselling, altering, modifying, creating of derivative works, reverse engineering, decompiling, translating, disassembling, adding, attaching or extracting source code or any Confidential Information in connection with the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with the Services.

3.3 You must not permit any personnel, agents, third party contractors or other third parties under your control to, by act or omission or in any manner, encumber, impair or otherwise prejudicially affect the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with the Services. This may be done by having in place security measures, systems, applications, and processes in accordance with good industry standards and practices.

3.4 You must ensure that, in relation to the consumption of the Services by you or by your subscribers or end-users, no act or omission is committed or permitted by you which could reasonably be considered to be or likely to be:

(a) unsolicited, unauthorised, inappropriate, offensive, obscene, indecent, defamatory, abusive, harassing or threatening;

(b) damaging, disruptive, destabilizing, destructive, corruptive, intrusive, probing, circumventing or dangerous;

(c) infringing a third party’s rights; or

(d) adversely affecting or damaging the goodwill or reputation of Apigate.

3.5 You (including any personnel, agents, third party contractors or other third parties under your control) must not make any public statement or act in any manner which is reasonably likely to disparage, criticise, or bring into disrepute Apigate or the other parties involved in enabling the Services.

4 WHAT WE NEED TO COMPLY

4.1 Both parties agree to ensure its compliance with applicable Law in connection with the Agreement and the Services and each party warrants and represents that it has obtained and will maintain all legal, regulatory and governmental approvals and consents required from the relevant authorities in Malaysia, or in your case, in the Territory, in relation to its respective obligations under the Agreement.

4.2 You further warrant and represent that you have obtained and will maintain all necessary approvals, licences, sub-licences, rights, and consents from all necessary parties, in respect of the consumption of Services.

5 DATA PROTECTION

5.1 You shall at all times comply with the Personal Data Protection Policy .pdf in regard to the Personal Data.

6 THE SERVICES

6.1 You may only consume the Services or provide the Services to your subscribers or end-users within one of your service offerings (“Service Offering”), within the agreed scope of the Services consumption set out in the applicable Service Order Form and the Agreement (“Scope”). If you wish to consume the Services or provide a Service Offering outside of the agreed Scope, then you must notify Apigate of an amended or new scope, and Apigate may require you (in its sole discretion) to utilise the Change Control Procedure or to enter into a new Service Order Form.

6.2 If you wish to consume a new service other than for Short Message Services after you have entered into the Agreement, you will be required to enter into a new Service Order Form and the applicable General Terms shall apply.

7 INTELLECTUAL PROPERTY RIGHTS ("IPR”)

7.1 You shall at all times comply with the Intellectual Property Rights Policy.pdf in regard to the IPR.

8 KEEPING THINGS CONFIDENTIAL

8.1 Confidentiality:

(a) We will both keep all Confidential Information confidential;

(b) We will both take adequate and appropriate steps to notify our employees and the third parties of their obligations to comply with the Agreement;

(c) We both agree that either party may disclose the Agreement to its related companies, solicitors, auditors, insurers and accountants to the extent necessary for that party to perform its obligations or exercise its rights under the Agreement; and

(d) This confidentiality clause shall survive for 2 (two) years from the termination or expiry of this General Terms for any reason.

9 PUBLICITY

9.1 Each party may only make a public announcement or communication in connection with the Agreement with the prior written consent of the other party and the relevant third party’s contractors, except that the other party may make a public announcement or communication if required by Law, court order, governmental authority or the listing rules of any stock exchange of which the receiving party or its related companies are bound.

10 WE BOTH REPRESENT AND WARRANT

10.1 The execution, delivery, and performance of the Agreement have been duly authorised by all necessary corporate and other actions and approvals, and that the Agreement constitutes a legal, valid and binding obligation of that party.

10.2 Both parties have not relied on any representation made by the other party which has not been stated expressly in the Agreement. Except as specified in this clause, any condition or warranty is expressly excluded save in the case of fraudulent misrepresentation.

11 IF SOMETHING GOES WRONG

11.1 You shall indemnify and hold harmless Apigate in respect of Loss suffered or incurred by Apigate in connection with:

(a) the consumption of the Services by any end-users (as the case may be);

(b) breach of any part of the Agreement by you, or violation or your failure to comply with our privacy and data protection obligations or confidentiality obligations or applicable Laws by you or any end-users; and/or

(c) an Infringement Claim

11.2 Each party shall indemnify and hold harmless the other party in respect of Loss suffered or incurred by either party, arising from any claim that the intellectual property owned by either party infringes any Intellectual Property Rights of a third party.

11.3 You hereby agree to hold Apigate harmless against any claims or penalties that may be imposed on Apigate by reason of your failure to comply with your obligations under the tax Law of your jurisdiction.

11.4 Apigate’s only entire liability to you for all Claims, demands and proceedings arising under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) will be limited to an aggregate amount equivalent to the Contract Price.

11.5 In no event shall a party be liable to the other party under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any indirect or consequential damages, even if the first party has been advised of the possibility of such damages, or for any damages for loss of profit, goodwill, business opportunity, anticipated savings or data.

11.6 The Apigate Exchange is hosted and managed on servers operated by a third-party provider. Notwithstanding anything to the contrary in the Agreement, Apigate excludes all liability to you (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any and all Loss (including direct, indirect and consequential damages) arising out of or in connection with the Agreement, the Apigate Exchange and the Services, that are caused directly or indirectly by any act or omission by the third-party provider or any default, error, unavailability or failure of the third-party services.

11.7 Any claims by you in relation to the Agreement shall be made against Apigate and not to any third-party.

11.8 You acknowledge that:

(a) Apigate shall use and rely upon confirmations, receipts, information or reports provided by third-parties in connection with the Apigate Exchange. As such, Apigate gives no warranty and makes no representation as to the accuracy, completeness or timeliness of such data or information;

(b) Apigate gives no warranty and makes no representation as to the functionality or ability of the Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or of the Services consumed by you, to meet any minimum transaction volumes or forecasts or always be available, uninterrupted, error-free, secure, free from harmful components, non-infringing, or to be fit for purpose; and

(c) all such warranties and representations are hereby excluded to the extent permitted by applicable Law.

11.9 Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or of the Services consumed by you, may not be available during any periods of maintenance, upgrades or Force Majeure Events.

11.10 The limitations and exclusions of liability anywhere in the Agreement will not operate to restrict or exclude:

(a) your liability to make any payment of fees and interest on late payment of fees to the Apigate in accordance with the Agreement;

(b) a party’s liability for breach of the parts of the Agreement titled ‘Data Protection’, ‘Restrictions and Limitations That You Have to Comply’, ‘Publicity’ or ‘Keeping Things Confidential’;

(c) any obligation by you to indemnify any person under the Agreement;

(d) your liability for claims, actions, directions, objections, investigations, requirements, fines, penalties, sanctions or other remedies from any relevant authority relating to a failure by you to comply with applicable Law or Authorisation or any act or omission by you putting Apigate in breach of applicable Law or Authorisation;

(e) a party's liability for that party's fraud;

(f) a party's liability for death or personal injury caused by that party; or

(g) any liability that cannot be excluded under mandatory applicable Law.

12 REGULATORY CHANGE

12.1 If a regulatory change causes you not to be able to perform your obligations under the Agreement, you shall notify us promptly in writing.

12.2 If there is a regulatory change or obligations of a party cannot be performed without breaching applicable Law, or any provision of the Agreement is subjected to substantial objection, investigation or requirement by any relevant authority, the parties must promptly negotiate in good faith to agree a written variation to the Agreement which:

(a) removes the affected terms (and the terms will cease to have further effect; and

(b) allows that first party to perform obligations without breaching any applicable Law or deals with that provision, objection, investigation or requirement in a manner which substantially gives effect to the parties' intentions at the commencement date of the affected provision, and all other provisions of the Agreement will remain in full force and effect.

12.3 If the parties are unable to agree on an acceptable variation, then the affected party will have the right to terminate any or any one or more of the Services or the Service Order Form by serving on the other party sixty (60) days’ notice in writing.

13 WHEN WILL THE SERVICES BE SUSPENDED OR TERMINATED

13.1 Apigate may suspend, and/or terminate your consumption of the Services, or the provision and use of the Apigate Exchange by written notice to you at any time:

(a) if you are in breach of the Agreement (including any failure to pay an invoice or statement of account (as applicable) by the due date), or Apigate reasonably suspects a breach of the Agreement or misuse of the Services or Apigate Exchange;

(b) in the event the Services or provision and use of the Apigate Exchange is no longer practical or feasible;

(c) in circumstances where there is a third-party intellectual property claim against you, Apigate or any third-party that is relevant to the Apigate Exchange, the Services or any rights or obligations under the Agreement;

(d) where suspension or termination is required in order for Apigate to comply with an injunction or other court order issued against it or any relevant third-party relating to the provision and use of the Apigate Exchange; or

(e) if Apigate’s third-party provider, for any reason, suspends the provision of the third-party services or otherwise ceases to provide (temporarily or otherwise) the third-party services.

13.2 If Apigate exercises its right to suspend pursuant to Clause 13.1, then Apigate will use reasonable endeavours to resume the provision and use of the Apigate Exchange or allow for the consumption of the affected Services within a reasonable period of time, which is commercially practicable and feasible in all of the circumstances.

13.3 Only if Apigate is unable to resume the provision and use of Apigate Exchange, or allow for the consumption of the affected Services (as applicable), then Apigate may terminate any or more of the affected Services or the Service Order Form upon written notice to you. Neither party shall have any Claims against each other arising from termination pursuant to this Clause.

14 WHEN THE TERM STARTS

14.1 This General Terms shall be effective from the date of the Service Order Form until it is terminated.

14.2 Each Services shall start on the date as set out in the Service Order Form.

15 WHEN THE SERVICE ORDER FORM ENDS

15.1A party (“Terminating Party”) may terminate any one or more of the Services or the Service Order Form, immediately by providing written notice to the other party to that effect if:

(a) that other party becomes insolvent or makes an assignment for the general benefit of creditors, or any proceedings are commenced by or against that other party under insolvency Law;

(b) proceedings for the appointment of a custodian, receiver, receiver-manager or any other official with similar powers for that other party are commenced; or

(c) that the other party ceases to carry on business.

15.1 Apigate may terminate this General Terms or any one or more of the Services or the Service Order Form, upon 30 (thirty) days’ written notice in the event a Change in Control occurs. You must promptly notify Apigate if a Change in Control of you occurs.

15.2 A party may terminate any one or more of the Services or the Service Order Form, immediately by providing notice to the other party if that other party:

(a) has not performed any material covenant; or

(b) has breached any material term of the Agreement,

and such failure to perform or breach is:

(i) incapable of cure; or

(ii) capable of cure, but the other party fails to cure the failure to perform or breach within thirty (30) days from receipt of notice by the non-defaulting party (or such additional cure period as the non-defaulting party may authorize).

15.3 If a delay or failure by a party to perform its obligations due to a Force Majeure Event exceeds thirty (30) continuous days, the other party may immediately terminate any one or more of the Services or the Service Order Form by providing notice to the other party.

15.4 Apigate may terminate any one or more of the Services or Service Order Form upon a thirty (30) days’ written notice to you without assigning any reason whatsoever.

15.5 Precedence in Termination:

(a) Termination of the Service Order Form will automatically terminate the Agreement; and

(b) Termination of all Services will automatically terminate the Service Order Form.

15.6 Return or destruction of Confidential Information:

15.6.1 Either Party must as soon as practicable on expiry or termination of the Agreement or any part of the Agreement:

(i) return to the other party or (if upon request of one Party) destroy;

(ii) certify in writing to the other Party the destruction of; and/or

(iii) permit an employee of either Party to witness the destruction of,

all Confidential Information, Materials and information containing or comprising Intellectual Property Rights owned by or licensed to either party or Data and/or Personal Data used under or in connection with the expired or terminated the Agreement other than one copy of any notes and other records of the Confidential Information that you are required by Law to retain.

15.7 For the avoidance of doubt, the obligations of confidentiality as provided in the Agreement shall continue to apply to any such Confidential Information retained by you.

15.8 Survival of clauses:

15.8.1 The following shall survive the termination or expiry of the Agreement or any part of the Agreement:

(i) the relevant parts of the Agreement in Clauses 5 (Data Protection), 7 (Intellectual Property Rights), 8 (Keeping Things Confidential),9 (Publicity), 11 (If Something Goes Wrong), 14 (When The Term Starts) , 15 (When The Service Order Form It Ends) , 16 (Transferring To Another Party), 17 (Entire Agreement), 18 (Choice of Law), 19 (Settling Disputes), 20 (Notices), 27 (General) and 28 (Defined Terms); and

(ii) as well as any other term which by its meaning or nature may be understood to survive termination or expiry of the Agreement or any part of the Agreement.

15.8.2 Except as expressly provided otherwise in the Agreement, termination or expiry of the Agreement shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination or expiry, including the right to claim damages in respect of any breach of the Agreement which existed at or before the date of termination or expiry.

16 TRANSFERRING TO ANOTHER PARTY

16.1 Neither Party may assign or novate without the prior written consent of the other party except that either Party from time to time will assign or novate the Agreement, in whole or in part, to any entity within each Party’s group of companies by giving notice to the other party.

16.2 If a party subcontracts any of its obligations under the Agreement, then that party will remain fully responsible and liable for the performance of its obligations.

17 ENTIRE AGREEMENT

17.1 The Agreement constitutes the entire agreement between the parties and supersedes all prior representations and agreements, oral or written, save in the case of fraudulent misrepresentation.

18 CHOICE OF LAW

18.1 The law of Malaysia will apply to the Agreement and any disputes or claims in connection with it or our relationship, including non-contractual ones.

19 SETTLING DISPUTES

19.1 We will both do what we reasonably can to settle any dispute or claim that occurs under or in relation to the Agreement, and to avoid having to get the courts or regulatory authorities involved.

19.2 We will both use the following dispute resolution process:

a. whichever of us is affected will provide notice of the complaint that clearly sets out the full facts and includes relevant supporting documents;

b. we will both use reasonable endeavours to settle the dispute within seven (7) days;

c. if the dispute is not settled after seven (7) days (or any other period agreed by both of us in writing), then the Chief Executive Officer of Apigate (or person with an equivalent level of seniority) and your counterpart (or person with an equivalent level of seniority) shall meet to resolve the dispute; and

d. if the dispute is still not settled seven (7) days after it is escalated, or no meeting for the purpose of settling the dispute has taken place within twenty-one (21) twenty-one days after the service of a dispute notice, the dispute shall then be referred to and shall be finally and exclusively resolved by arbitration under the rules of the Asian International Arbitration Centre (AIAC) in force as at the date of application for arbitration ("AIAC Arbitration Rules 2018"). The AIAC Rules are hereby incorporated by reference into the Agreement.

19.3 The arbitration award rendered shall be in writing and shall set out the reasons for the arbitrator’s decision. The award shall apportion the costs of the arbitration as the arbitrator deems fair.

19.4 The arbitration shall be conducted before a sole arbitrator. The seat, or legal place of arbitration, shall be Kuala Lumpur. The language of the arbitration shall be English. All documents submitted in connection with the proceedings shall be in the English language, or, if in another language, accompanied by an English translation.

19.5 We both agree that the arbitration award shall be final and binding on both of us and may be enforced in any court of competent jurisdiction.

19.6 Without prejudice to the above provisions, both of us may seek injunctive relief, including restraining orders and preliminary injunctions, in any court of competent jurisdiction, and either party may request that a court refers the proceedings to arbitration in accordance with the Agreement.

20 NOTICES

20.1 Any notice, invoice, statement of account, request or other document or communication to be given under the Agreement shall be in writing and in the English language and may be given or sent by:

(a) hand delivery or courier, in which case it will be deemed to have been delivered immediately upon delivery;

(b) registered post, express or other fast postal services, in which case it will be deemed to have been delivered within 7 (seven) days of it being posted; or

(c) electronic mail, in which case it will be deemed to have been delivered at the time that it was sent as evidenced by a transmission report generated by the computer system,

to the other party at the address or email address set out in the Agreement, as may be updated from time to time by the other party.

21 NO EXCLUSIVITY OR MINIMUM COMMITMENT

21.1 Apigate may admit any number of third-parties to consume the Services and your involvement in connection with the Agreement is non-exclusive unless otherwise expressly provided in the Agreement.

22 RECORDS AND REPORTING

22.1 You must keep clear, understandable, accurate, complete and up to date records and supporting information for all transactions relating to the Services consumed. You must:

(a) make such transaction records and information available, as reasonably required by Apigate for inspection, verification and audit purposes promptly upon request; and

(b) provide such other reports as set out in the Agreement, and as otherwise reasonably required by Apigate from time to time relating to the transactions, promptly upon request.

23 PAYMENT

23.1 Payment terms shall beset out in the Service Order Form and Service Catalogue.

23.2 Each party shall bear its own costs and expenses as set out in the Agreement.

23.3 Any undisputed amount that is not paid in full within the timeframe stipulated in Clause 23.7 shall bear interest at the rate of 8% per annum calculated on a 365day basis from the due date until payment in full.

23.4 Each party agrees that it must not require the other party or any relevant third party to sell products or services at a particular price.

23.5 Apigate will issue an invoice or statement of account (as applicable) based on the statement of account issued to Apigate. Failure by Apigate to raise an invoice or statement of account (as applicable) will not prejudice or waive its right to later to issue a statement of account or invoice (as applicable) the relevant amount.

23.6 Each party may be required to provide relevant information evidencing any amounts claimed in accordance with the Agreement.

23.7 Each statement of account or amount invoiced must be paid within the stipulated days in the Service Order Form following the date of receipt of the invoice or the statement of account (as applicable) if it is not disputed unless otherwise expressly provided in the Agreement or in the Service Order Form. Each party agrees that in the event the invoice or statement of account (as applicable) is less than or equivalent to USD250.00 or RM1,000 (“Minimum Sum”) depending on the agreed currency in the Service Order Form, the settlement of such sum shall be paid when the cumulative amount is more than the Minimum Sum or at the end of the relevant quarter of the year, whichever is earlier.

23.8 In the event of any dispute to any amounts payable in accordance with the Agreement, such disputes shall not be a reason to withhold or deny any undisputed payments. Such disputes shall be resolved in accordance with the dispute resolution procedures as provided for in the Agreement.

23.9 The rate card for the Services is set out in the Service Order Form.

23.10 The rate of exchange to be applied to convert any payments to be made under the Agreement from a foreign currency into a local currency rate to be applied for Apigate to convert the transaction currency into the currency agreed in the applicable Service Order Form, shall be the reference rate published by Oanda+ 5% mark up on the date of the payment.

23.11 Apigate shall not be liable for any Loss caused by exchange rate fluctuations or by any failure to remit or convert funds to the currency stated in the Service Order Form at a particular time or at a more favourable rate of exchange than actually used.

23.12 You shall bear any operation costs incurred by Apigate during the on-boarding processsubject to prior notice to you on such cost.

24 TAXES

24.1 Unless agreed otherwise in a Service Order Form, Apigate will not be responsible for any bad debts, unrecovered sums or withholding for tax purposes and Apigate will deduct any such bad debts, unrecovered sums or withholding for tax purposes from the invoice or statement of account issued to you.

24.2 If any payment under the Agreement is subject to any applicable taxes by the relevant authority under the Law in countries and jurisdiction which you is operating, and such tax is required to be withheld from the payment to us, you are entitled to deduct any taxes payable from the gross payment and remit the amount to the tax authorities on behalf of us.

24.3 Withholding tax

24.3.1 The payment shall be paid without withholding, counterclaim or deduction unless prohibited by any applicable law. If under applicable law this Agreement is subject to any applicable taxes by the relevant authority under the Law in countries and jurisdiction which you are operating or withholding tax is payable by you, you will, at the same time as making the payment, pay to Apigate such additional amount as will result in the receipt by Apigate of the full amount which would otherwise have been receivable had no withholding or deduction been payable and you will on request supply to Apigate evidence satisfactory to Apigate that you have accounted to the relevant authority for the sum withheld or deducted.

24.3.2 In the event that a double taxation treaty applies which provides for a reduced withholding tax rate, you shall only withhold and pay the reduced tax on behalf and for the account of Apigate if Apigate has provided an appropriate exemption certificate as required by the competent tax authority or any other appropriate form required under local law. You shall use all reasonable efforts to assist Apigate in obtaining any reduction in withholding tax under applicable Law.

24.3.3 Apigate shall reimburse you any sums recovered from the relevant authority in respect of which you were required to withhold but paid to the Apigate within thirty (30) days following receipt of such amounts by Apigate.

24.3.4 If either party is entitled to a preferential tax rate, a party may then furnish to the other party evidence of its tax residency status by way of letter or certificate issued by the relevant tax authority confirming its tax residence status prior to you making its first payment to us under the Agreement.

24.3.5 You shall furnish to us all applicable tax receipts within one (1) month from the date of payment.

24.4 Duties and other governmental or administrative charges and levies of any kind whatsoever arising from the Agreement, including sales, services, use, value‑added, goods and services or others ("Taxes") may be levied in addition to any payment for Services to be made in accordance with the Agreement and will be payable in accordance with the Agreement.

24.5 Where any service tax, goods, and services tax, or tax of similar nature is applicable on any goods or services supplied under the Agreement imposed by the relevant Malaysian authorities, you shall pay for the appropriate service tax or goods and services tax, or tax of similar nature under each invoice or statement of account (as applicable) provided that Apigate has complied with the following:

(a) Apigate is duly licensed by the relevant Malaysian authorities to collect such service tax or goods and services tax, or tax of similar nature;

(b) the appropriate service tax or goods and services tax or tax of similar nature for each invoice or statement of account (as applicable) is included under the relevant invoice or statement of account (as applicable) at the time of the issuance of the invoice or statement of account (as applicable); and

(c) all invoices or statement of account (as applicable) provided by Apigate to you comply with the relevant Law in respect of service tax or goods and services tax, or tax of similar nature enforced by the Malaysian authorities.

24.6 If Apigate is required to pay any Taxes to any relevant third party in connection with the Agreement, Apigate may pass through such Taxes which may be levied in addition to any payment for the Services and other Taxes to be made in accordance with the Agreement and will be payable in accordance with the Agreement.

24.7 All other taxes shall be the responsibility of the relevant party in compliance with the prevailing tax treaty or tax regulations in any relevant country.

25 GOVERNANCE

25.1 Each party’s respective Commercial Representative will be as set out in the Service Order Form and each party may update the personal particulars accordingly.

25.2 Each party’s respective Service Representative will be as set out in the Service Order Form and each party may update the personnel’s particulars accordingly.

25.3 The parties’ respective Commercial Representatives and Service Representatives (or their delegates) will meet on a quarterly basis to discuss the Services via video conference or any such means as agreed by both parties.

26 UNFORESEEABLE EVENTS

26.1 A party shall not be responsible for any delay, interruption or failure that is caused, whether directly or indirectly, by:

(a) the other party, any government agency or a court of competent jurisdiction issuing any order, directive or instruction which affects the first party’s performance of such obligations;

(b) the other party failing, neglecting or omitting in performing its obligations under the Agreement, including performing its responsibilities in accordance with the Agreement in an efficient and timely manner; or

(c) the occurrence of a Force Majeure Event,

which has a material impact on the performance of the relevant obligations of the first party.

26.2 If such an event occurs, the first party must:

(a) notify the other party of the delay, interruption or failure;

(b) identify the specific nature of the delay, interruption or failure; and

(c) comply with the reasonable instructions of the other party in relation to the delay, interruption or failure (including any requirement to develop and implement an action plan in relation to that delay, interruption or failure).

27 GENERAL

27.1 Severability: If any illegal, invalid or unenforceable part of the Agreement would be legal, valid or enforceable if part of it were removed, we both will negotiate in good faith to change the Agreement, so it reflects what we both originally intended as much as possible.

27.2 Survival of Agreement: The Agreement is to be binding upon the parties and their respective successors.

27.3 Waiver: No delay or failure to exercise or enforce any right or provision of the Agreement is considered a waiver of that right unless made in writing.

27.4 Relationship of the parties: The relationship of the Parties shall be as per the terms set out in the Agreement.

27.5 Set-off: Neither party shall be entitled to set off any amount payable under the Agreement unless the Agreement expressly provides otherwise.

27.6 Costs: Each party shall bear its own costs and expenses in connection with the Agreement.

27.7 Making changes to the Agreement: Any changes shall be in writing and executed by both parties.

27.8 Cooperation with third-parties: You shall cooperate with, and provide any information requested by, any third-parties engaged by Apigate in connection with the Agreement.

28 DEFINED TERMS

The defined terms are as defined in the Defined Terms.pdf

APIGATE GENERAL TERMS

(OTHER THAN DIRECT OPERATOR BILLING SERVICES AND SHORT MESSAGE SERVICES)

This General Terms (Northbound) applies to all Partners subscribing to the Services (other than Direct Operator Billing Services and Short Message Services) offered by Apigate Sdn Bhd (Company No. 201701045511 (1259684-W)). By signing the Service Order Form, you are deemed to have read and accepted the term and conditions stated herein and all relevant policies. Apigate Sdn Bhd may amend and update the terms from time to time and Apigate Sdn Bhd may give you notice of such change via our website. You hereby agree that your continuous use and access of the Services shall signify your acceptance to the changes and any updates to the terms and conditions mentioned therein.

1. THE BASICS

1.1 Apigate Sdn Bhd has developed a mobile internet and fulfilment exchange, as described as the “Apigate Exchange”, for our Southbound Partner (which include but not limited to mobile network operators) to expose certain network capabilities for you to make use of those network capabilities.

1.2 This General Terms apply to the Services (other than Direct Operator Billing Services and Short Message Service) you acquire from Apigate Sdn. Bhd. This General Terms will be applicable for Apigate Sdn Bhd., its affiliates, its subsidiaries, its successors and permitted assigns (hereinafter referred to as (“Apigate”).

1.3 The Services that you acquire has its own Service Order Form. The Services also has its own Service Catalogue including but not limited to Apigate’s Policies and Rules and as well as other related documents with more detailed terms (“Incorporated Documents”). Parties agree that the entity within Apigate Group of Companies that will be providing the Services to you shall be specified in each Service Order Form.

1.4 This General Terms, the Service Order Form and the Incorporated Documents will collectively be referred to as “the Agreement”.

1.5 If there is a conflict between the documents, the order of priority, highest first, is:

(a) the Service Order Form(s);

(b) this General Terms; and

(c) any Incorporated Document.

2. WHAT YOU HAVE TO OBSERVE

2.1 You must comply with Apigate’s Policies and Rules (as provided to you) to the extent that they are applicable to the receipt of the Services.

2.2 You must provide, operate, maintain and support, in good functioning condition, all your System and Materials required to interface with Apigate’s Systems and Materials in order for Apigate to provide the Services to you and/or you to provide the Services, as the case may be.

2.3 You must act with all proper diligence and in good faith and in a manner, which is consistent with the Agreement.

2.4 You agree to provide Apigate with access to all documentation, systems, and other resources reasonably required by Apigate under the Agreement.

2.5 In relation to any Services provided in accordance with the Agreement, you:

a. must ensure that a standard of care, skill, diligence, prudence, and foresight is provided that would reasonably be expected of a competent provider of services, activities, and responsibilities similar to the Services (including in relation to technical and organisational security); and

b. must ensure that the quality of Services is equivalent to good industry standards and practices relevant to the Services.

3. RESTRICTIONS AND LIMITATIONS THAT YOU HAVE TO COMPLY

3.1 Your relationship in relation to the Apigate Exchange must be with Apigate only and Apigate will contract with and have the sole relationship with Southbound Partner of the Services. You must not enter into any contracts or arrangements relating to the Services directly with any of the Southbound Partner of the Services. If you are a consumer of the Services, you must not resell the Services to a third party. Notwithstanding the foregoing, the clause does not in any way prevent you from making the Services consumed available to your subscribers or end-users.

3.2 You must ensure that the Services are not targeted for use by your subscribers or end-users outside of the relevant Territory. You must ensure that all reasonable steps are taken to ensure that other digital rights management technologies applied to the Services are included and maintained and apply additional technologies to protect against the use of those Services outside of the relevant Territory.

3.3 You must not commit or permit any copying, reselling, altering, modifying, creating of derivative works, reverse engineering, decompiling, translating, disassembling, adding, attaching or extracting source code or any Confidential Information in connection with the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with any of the Services.

3.4 You must not permit any personnel, agents, third party contractors or other third parties under your control to, by act or omission or in any manner, encumber, impair or otherwise prejudicially affect the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with any of the Services. This may be done by having in place security measures, systems, applications, and processes in accordance with good industry standards and practices.

3.5 You must ensure that, in relation to the consumption of the Services by you or by your subscribers or end-users, no act or omission is committed or permitted by you which could reasonably be considered to be or likely to be:

(a) unsolicited, unauthorised, inappropriate, offensive, obscene, indecent, defamatory, abusive, harassing or threatening;

(b) damaging, disruptive, destabilizing, destructive, corruptive, intrusive, probing, circumventing or dangerous;

(c) infringing a third party’s rights; or

(d) adversely affecting or damaging the goodwill or reputation of Apigate.

3.6 You (including any personnel, agents, third-party contractors or other third-parties under your control) must not make any public statement or act in any manner which is reasonably likely to disparage, criticise, or bring into disrepute Apigate or the other parties involved in enabling the Services.

4 WHAT WE NEED TO COMPLY

4.1 Both parties agree to ensure its compliance with applicable Law in connection with the Agreement and the Services and each party warrants and represents that it has obtained and will maintain all legal, regulatory and governmental approvals and consents required from the relevant authorities in Malaysia, or in your case, in the Territory, in relation to its respective obligations under the Agreement.

4.2 You further warrant and represent that you have obtained and will maintain all necessary approvals, licences, sub-licences, rights, and consents from all necessary parties, in respect of the consumption of Services.

5 DATA PROTECTION

5.1 You shall at all times comply with the Personal Data Protection Policy .pdf in regard to the Personal Data.

6 THE SERVICES

6.1 You may only consume the Services or provide the Services to your subscribers or end-users within one of your service offerings (“Service Offering”), within the agreed scope of the Services consumption set out in the applicable Service Order Form and the Agreement (“Scope”). If you wish to consume the Services or provide a Service Offering outside of the agreed Scope, then you must notify Apigate of an amended or new scope, and Apigate may require you (in its sole discretion) to utilise the Change Control Procedure or to enter into a new Service Order Form.

6.2 You may from time to time update any of your Service Offerings for a particular Services (for example, by releasing a new version of a mobile application), provided that such update does not affect your Systems’ integration with Apigate Exchange and Apigate’s Systems (as applicable) in any way and your receipt of such Services continues to comply with the applicable API specification and all other requirements under the Agreement for that particular Services. All other changes to your Service Offerings must go through the Change Control Procedure.

6.3 If you wish to consume a new service other than Direct Operator Billing and Short Message Service after you have entered into the Agreement, you will be required to enter into a new Service Order Form and the applicable General Terms shall apply .

7 INTELLECTUAL PROPERTY RIGHTS ("IPR”)

7.1 You shall at all times comply with the Intellectual Property Rights Policy.pdf in regard to the IPR.

8 KEEPING THINGS CONFIDENTIAL

8.1 Confidentiality:

(a) We will both keep all Confidential Information confidential;

(b) We will both take adequate and appropriate steps to notify our employees and the third-parties of their obligations to comply with the Agreement.

(c) We both agree that either party may disclose the Agreement to its related companies, solicitors, auditors, insurers and accountants to the extent necessary for that party to perform its obligations or exercise its rights under the Agreement.

(d) The confidentiality clause shall survive for 2 (two) years from the termination or expiry of the Agreement for any reason.

9 PUBLICITY

9.1 Each party may only make a public announcement or communication in connection with the Agreement with the prior written consent of the other party and the relevant third party’s contractors, except that the other party may make a public announcement or communication if required by Law, court order, governmental authority or the listing rules of any stock exchange of which the receiving party or its related companies are bound.

10 WE BOTH REPRESENT AND WARRANT

10.1 The execution, delivery, and performance of the Agreement have been duly authorised by all necessary corporate and other actions and approvals, and that the Agreement constitutes a legal, valid and binding obligation of that party.

10.2 Both parties have not relied on any representation made by the other party which has not been stated expressly in the Agreement. Except as specified in the clause, any condition or warranty is expressly excluded save in the case of fraudulent misrepresentation.

11 IF SOMETHING GOES WRONG

11.1 You shall indemnify and hold harmless Apigate in respect of Loss suffered or incurred by Apigate in connection with:

(a) the consumption of Services by any end-users (as the case may be);

(b) your provision or consumption of the Services (as the case may be) via or in connection with the Apigate Exchange or any act or omission by you relating thereto, including in connection with third-party claims (as the case may be);

(c) breach of any part of the Agreement by you, or violation or your failure to comply with our privacy and data protection obligations or confidentiality obligations or applicable Law by you or any end-users;

(d) or arising from any act or omission by you or any end-users which results in Apigate breaching its agreements with other third-party contractors relevant to the Apigate Exchange or the Services; or

(e) a dispute between you and any end-users; and/or

(f) an Infringement Claim.

11.2 We both shall indemnify and hold harmless the other party in respect of Loss suffered or incurred by either party, arising from any claim that the intellectual property owned by either party infringes any Intellectual Property Rights of a third-party.

11.3 You hereby agree to hold Apigate harmless against any claims or penalties that may be imposed on Apigate by reason of your failure to comply with your obligations under the tax Law of your jurisdiction.

11.4 Apigate’s entire liability to you for all Claims, demands and proceedings arising under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) will be limited to an aggregate amount equal to the Contract Price.

11.5 In no event shall a party be liable to the other party under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any indirect or consequential damages, even if the first party has been advised of the possibility of such damages, or for any damages for loss of profit, goodwill, business opportunity, anticipated savings or data.

11.6 The Apigate Exchange is hosted and managed on servers operated by a third-party provider. Notwithstanding anything to the contrary in the Agreement, Apigate excludes all liability to you (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any and all Loss (including direct, indirect and consequential damages) arising out of or in connection with the Agreement, the Apigate Exchange and the Services, that are caused directly or indirectly by any act or omission by the third party provider or any default, error, unavailability or failure of the third party services.

11.7 Any claims by you in relation to the Agreement shall be made against Apigate and not to any third-party.

11.8 You acknowledge that:

(a) Apigate shall use and rely upon confirmations, receipts, information or reports provided by third-parties in connection with the Apigate Exchange. As such, Apigate gives no warranty and makes no representation as to the accuracy, completeness or timeliness of such data or information;

(b) Apigate gives no warranty and makes no representation as to the functionality or ability of the Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or of the Services consumed by you, to meet any minimum transaction volumes or forecasts or always be available, uninterrupted, error free, secure, free from harmful components, non-infringing, or to be fit for purpose; and

(c) all such warranties and representations are hereby excluded to the extent permitted by applicable Law.

11.9 Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or of the Services consumed by you, may not be available during any periods of maintenance, upgrades or Force Majeure Events.

11.10 The limitations and exclusions of liability anywhere in the Agreement will not operate to restrict or exclude:

(a) a party's liability to make any payment of fees and interest on late payment of fees to the other party in accordance with the Agreement;

(b) a party’s liability for breach of the parts of the Agreement titled ‘Data Protection’, ‘Restrictions and Limitations That You Need to Comply’, ‘Publicity’ or ‘Keeping Things Confidential’;

(c) any obligation by you to indemnify any person under the Agreement;

(d) your liability for claims, actions, directions, objections, investigations, requirements, fines, penalties, sanctions or other remedies from any relevant authority relating to a failure by you to comply with applicable Law or Authorisation or any act or omission by you putting Apigate in breach of applicable Law or Authorisation;

(e) a party's liability for that party's fraud;

(f) a party's liability for death or personal injury caused by that party; or

(g) any liability that cannot be excluded under mandatory applicable Law.

12 REGULATORY CHANGE

12.1 If a regulatory change causes you not to be able to perform your obligations under the Agreement, you shall notify us promptly in writing.

12.2 If there is a regulatory change or obligations of a party cannot be performed without breaching applicable Law, or any provision of the Agreement is subjected to substantial objection, investigation or requirement by any relevant authority, the parties must promptly negotiate in good faith to agree a written variation to the Agreement which:

(a) removes the affected terms (and the terms will cease to have further effect; and

(b) allows that first party to perform obligations without breaching any applicable Law or deals with that provision, objection, investigation or requirement in a manner which substantially gives effect to the parties' intentions at the commencement date of the affected provision, and all other provisions of the Agreement will remain in full force and effect.

12.3 If the parties are unable to agree on an acceptable variation, then the affected party will have the right to terminate any one or more of the affected Services or any one or all of the applicable Service Order Form by serving on the other party sixty (60) days’ notice in writing.

13 WHEN WILL THE SERVICES BE SUSPENDED OR TERMINATED

13.1 Apigate may suspend, and/or terminate your consumption of one or more of the Services or any one or all of the applicable Service Order Form, or the provision and use of the Apigate Exchange by written notice to you at any time:

(a) if you are in breach of the Agreement (including any failure to pay a statement of account or invoice (as applicable) by the due date), or Apigate reasonably suspects a breach of the Agreement or misuse of the Services or Apigate Exchange;

(b) in the event the Services or provision and use of the Apigate Exchange is no longer practical or feasible;

(c) in circumstances where there is a third-party intellectual property claim against you, Apigate or any third-party that is relevant to the Apigate Exchange, Services or any rights or obligations under the Agreement;

(d) where suspension or termination is required in order for Apigate to comply with an injunction or other court order issued against it or any relevant third party relating to the provision and use of the Apigate Exchange; or

(e) if Apigate’s third party provider, for any reason, suspends the provision of the third party services or otherwise ceases to provide (temporarily or otherwise) the third party services.

13.2 If Apigate exercises its right to suspend pursuant to Clause 13.1, then Apigate will use reasonable endeavours to resume the provision and use of the Apigate Exchange, or the consumption of the affected Services within a reasonable period of time, which is commercially practicable and feasible in all of the circumstances.

13.3 Only if Apigate is unable to resume provision and use of Apigate Exchange, or consumption of the affected Services (as applicable), then Apigate may terminate any or more of the affected Services or any one or all of the applicable Service Order Form upon a written notice to you. Neither party shall have any claims against each other arising from termination pursuant to the Clause.

14 WHEN THE TERM STARTS

14.1 This General Terms shall be effective from the date of the applicable Service Order Form until it is terminated.

14.2 Each Services shall start on the date as set out in the applicable Service Order Form.

15 WHEN SERVICE ORDER FORM ENDS

15.1A party (“Terminating Party”) may terminate any one or more of the Services or any one or all the applicable Service Order Form immediately by providing written notice to the other party to that effect if:

(a) that other party becomes insolvent or makes an assignment for the general benefit of creditors, or any proceedings are commenced by or against that other party under insolvency Law;

(b) proceedings for the appointment of a custodian, receiver, receiver manager or any other official with similar powers for that other party are commenced; or

(c) that the other party ceases to carry on business.

15.2 Apigate may terminate any one or more of the Services or any one or all of the applicable Service Order Form upon 30 (thirty) days’ notice in the event a Change in Control occurs. You must promptly notify Apigate if a Change in Control of you occurs.

15.3 A party may terminate any one or more of the Services or any one or all of the applicable Service Order Form immediately by providing notice to the other party if that other party:

(a) has not performed any material covenant; or

(b) has breached any material term of the Agreement,

and such failure to perform or breach is:

(i) incapable of cure; or

(ii) capable of cure, but the other party fails to cure the failure to perform or breach within 30 (thirty) days from receipt of notice by the non-defaulting party (or such additional cure period as the non-defaulting party may authorize).

15.4 If a delay or failure by a party to perform its obligations due to a Force Majeure Event exceeds thirty (30) continuous days, the other party may immediately terminate any one or more the Services or or any one or all of the applicable Service Order Form by providing written notice to the other party.

15.5 Apigate may terminate any one or more of the Services or any one or all of the applicable Service Order Form upon thirty (30) days’ notice to you without assigning any reason whatsoever.

15.6 Precedence in Termination:

(a) Termination of all Service Order Form will automatically terminate the Agreement; and

(b) Termination of all Services will automatically terminate the Service Order Form covering those Services.

15.7 Return or destruction of Confidential Information:

15.7.1 Either Party must as soon as practicable on expiry or termination of the Agreement or any part of the Agreement:

(i) return to the other party or (if upon request of one Party) destroy;

(ii) certify in writing to the other Party the destruction of; and/or

(iii) permit an employee of either Party to witness the destruction of,

all Confidential Information, Materials and information containing or comprising Intellectual Property Rights owned by or licensed to either Party or Data and/or Personal Data used under or in connection with the expired or terminated Agreement other than one copy of any notes and other records of the Confidential Information that you are required by Law to retain.

15.8 For the avoidance of doubt, the obligations of confidentiality as provided in the Agreement shall continue to apply to any such Confidential Information retained by you.

15.9 Survival of clauses:

15.9.1 The following shall survive the termination or expiry of the Agreement or any part of the Agreement:

(i) the relevant parts of the Agreement in Clauses 5 (Data Protection), 7 (Intellectual Property Rights), 8 (Keeping Things Confidential),9 (Publicity), 11 (If Something Goes Wrong), 14 (When the Term Starts) , 15 (When The Service Order Form Ends), 16 (Transferring To Another Parties), 17 (Entire Agreement), 18 (Choice of Law), 19 ( Settling Disputes), 20 (Notices), 27 (General) and 28 (Defined Terms); and

(ii) as well as any other term which by its meaning or nature may be understood to survive termination or expiry of the Agreement or any part of the Agreement.

15.9.2 Except as expressly provided otherwise in the Agreement, termination or expiry of the Agreement shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination or expiry, including the right to claim damages in respect of any breach of the Agreement which existed at or before the date of termination or expiry.

16 TRANSFERRING TO ANOTHER PARTY

16.1 Neither Party may assign or novate without the prior written consent of the other party except that either Party from time to time will assign or novate the Agreement, in whole or in part, to any entity within each Party’s group of companies by giving notice to the other party.

16.2 If a party subcontracts any of its obligations under the Agreement, then that party will remain fully responsible and liable for the performance of its obligations.

17 ENTIRE AGREEMENT

17.1 The Agreement constitutes the entire agreement between the parties and supersedes all prior representations and agreements, oral or written, save in the case of fraudulent misrepresentation.

18 CHOICE OF LAW

18.1 The Law of Malaysia will apply to the Agreement and any disputes or claims in connection with it or our relationship, including non-contractual ones.

19 SETTLING DISPUTES

19.1 We will both do what we reasonably can to settle any dispute or claim that occurs under or in relation to the Agreement and to avoid having to get the courts or regulatory authorities involved.

19.2 We will both use the following dispute resolution process:

a. whichever of us is affected will provide notice of the complaint that clearly sets out the full facts and includes relevant supporting documents;

b. we will both use reasonable endeavours to settle the dispute within seven (7) days;

c. if the dispute is not settled after seven (7) days (or any other period agreed by both of us in writing), then the Chief Executive Officer of Apigate (or person with an equivalent level of seniority) and your counterpart (or person with an equivalent level of seniority) shall meet to resolve the dispute; and

d. if the dispute is still not settled seven (7) days after it is escalated, or no meeting for the purpose of settling the dispute has taken place within twenty-one (21) days after the service of a dispute notice, the dispute shall then be referred to and shall be finally and exclusively resolved by arbitration under the rules of the Asian International Arbitration Centre (AIAC) in force as at the date of application for arbitration ("AIAC Arbitration Rules 2018"). The AIAC Rules are hereby incorporated by reference into the Agreement.

19.3 The arbitration award rendered shall be in writing and shall set out the reasons for the arbitrator’s decision. The award shall apportion the costs of the arbitration as the arbitrator deems fair.

19.4 The arbitration shall be conducted before a sole arbitrator. The seat, or legal place of arbitration, shall be Kuala Lumpur. The language of the arbitration shall be English. All documents submitted in connection with the proceedings shall be in the English language, or, if in another language, accompanied by an English translation.

19.5 We both agree that the arbitration award shall be final and binding on both of us and may be enforced in any court of competent jurisdiction.

19.6 Without prejudice to the above provisions, both of us may seek injunctive relief, including restraining orders and preliminary injunctions, in any court of competent jurisdiction, and either party may request that a court refers the proceedings to arbitration in accordance with the Agreement.

20 NOTICES

20.1 Any notice, invoice, statement of account, request or other document or communication to be given under the Agreement shall be in writing and in the English language and may be given or sent by:

(a) hand delivery or courier, in which case it will be deemed to have been delivered immediately upon delivery;

(b) registered post, express or other fast postal services, in which case it will be deemed to have been delivered within 7 (seven) days of it being posted; or

(c) electronic mail, in which case it will be deemed to have been delivered at the time that it was sent as evidenced by a transmission report generated by the computer system,

to the other party at the address or email address set out in the Agreement, as may be updated from time to time by the other party.

21 NO EXCLUSIVITY OR MINIMUM COMMITMENT

21.1 Apigate may admit any number of third parties to consume Services and your involvement in connection with the Agreement is non-exclusive unless otherwise expressly provided in the Agreement.

22 RECORDS AND REPORTING

22.1 You must keep clear, understandable, accurate, complete and up to date records and supporting information for all transactions relating to the Services consumed. You must:

(a) make such transaction records and information available, as reasonably required by Apigate for inspection, verification and audit purposes promptly upon request; and

(b) provide such other reports as set out in the Agreement, and as otherwise reasonably required by Apigate from time to time relating to the transactions, promptly upon request.

23 PAYMENT

23.1 Payment terms shall beset out in the relevant Service Order Form and applicable Service Catalogue.

23.2 Each party shall bear its own costs and expenses as set out in the Agreement.

23.3 Each party agrees that it must not require the other party or any relevant third-party to sell products or services at a particular price.

23.4 Each payment shall be based on the statement of account or invoice (as applicable) issued to the other party for any amount under the applicable Service Order Form. Failure by a party to raise a statement of account or invoice (as applicable) will not prejudice or waive its right to later issue a statement of account or invoice (as applicable) for the relevant amount.

23.5 Each party may be required to provide relevant information evidencing any amounts claimed in accordance with the Agreement.

23.6 Each statement of account or amount invoiced (as applicable) must be paid within thirty (30) days following the date of receipt of the invoice or the statement of amount (as applicable) if it is not disputed unless otherwise expressly provided in the Agreement or in the applicable Service Order Form. Each party agrees that in the event the statement of account or invoice (as applicable) is less than or equivalent to USD250.00 or RM1,000 (“Minimum Sum”) depending on the agreed currency in the applicable Service Order Form, the settlement of such sum shall be paid when the cumulative amount of the statement of account or invoice (as applicable) is more than the Minimum Sum or at the end of the relevant quarter of the year, whichever is earlier. Each Party shall bear its own bank transfer or finance charges as applicable.

23.7 In the event of any dispute to any amounts payable in accordance with the Agreement, such disputes shall not be a reason to withhold or deny any undisputed payments. Such disputes shall be resolved in accordance with the dispute resolution procedures as provided for in the Agreement.

23.8The rate card for Services is set out in the applicable Service Order Form.

23.9 The rate of exchange to be applied to convert any payments to be made under the Agreement from a foreign currency into a local currency rate to be applied for Apigate to convert the transaction currency into the currency agreed in the applicable Service Order Form, shall be the reference rate published by Oanda+ 5% mark up on the date of the payment.

23.10 Apigate shall not be liable for any Loss caused by exchange rate fluctuations or by any failure to remit or convert funds to the settlement currency stated in the applicable Service Order Form at a particular time or at a more favourable rate of exchange than actually used.

23.11You shall bear any operation costs incurred by Apigate during the on-boarding processsubject to prior notice to you on such cost.

24 TAXES

24.1 Unless agreed otherwise in the applicable Service Order Form, Apigate will not be responsible for any bad debts, unrecovered sums or withholding for tax purposes and Apigate will deduct any such bad debts, unrecovered sums or withholding for tax purposes from the monthly statement of account or invoice (as applicable) issued to you.

24.2 Withholding tax

24.2.1 If any payment under the Agreement is subject to any applicable taxes by the relevant authority under the Law in countries and jurisdiction which a party is operating, and such tax is required to be withheld from the payment to the other party, the party is entitled to deduct any taxes payable from the gross payment and remit the amount to the tax authorities on behalf of the other party.

24.2.2 The other party shall then make payment of the fees to the party, less the sum deducted for tax in accordance with the terms and conditions of the Agreement.

24.2.3 If the party is entitled to a preferential tax rate, the party may then furnish to the other party evidence of its tax residency status by way of letter or certificate issued by the relevant tax authority confirming the party’s tax residence status prior to the other party making its first payment to the party under the Agreement.

24.2.4 A party shall furnish to the other party all applicable tax receipts within one (1) month from the date of payment.

24.3 Duties and other governmental or administrative charges and levies of any kind whatsoever arising from the Agreement, including sales, services, use, value‑added, goods and services or others ("Taxes") may be levied in addition to any payment for the Services to be made in accordance with the Agreement and will be payable in accordance with the Agreement.

24.4 Where any service tax, goods, and services tax, or tax of similar nature is applicable on any goods or services supplied under the Agreement imposed by the relevant Malaysian authorities, you shall pay for the appropriate service tax or goods and services tax, or tax of similar nature under each statement of account or invoice (as applicable), provided that Apigate has complied with the following:

(a) Apigate is duly licensed by the relevant Malaysian authorities to collect such service tax or goods and services tax, or tax of similar nature;

(b) the appropriate service tax or goods and services tax or tax of similar nature for each statement of account or invoice (as applicable) is included under the relevant statement of account or invoice (as applicable) at the time of the issuance of the statement of account or invoice (as applicable); and

(c) all statement of account or invoices (as applicable) provided by Apigate to you comply with the relevant Law in respect of service tax or goods and services tax, or tax of similar nature enforced by the Malaysian authorities.

24.5 If Apigate is required to pay any Taxes to any relevant third party in connection with the Agreement, Apigate may pass through such Taxes which may be levied in addition to any payment for the Services and other Taxes to be made in accordance with the Agreement and will be payable in accordance with the Agreement.

24.6 All other taxes shall be the responsibility of the relevant party in compliance with the prevailing tax treaty or tax regulations in any relevant country.

25 GOVERNANCE

25.1 Each party’s respective Commercial Representative will be as set out in the applicable Service Order Form and each party may update the personal particulars accordingly.

25.2 Each party’s respective Service Representative for a particular Service will be as set out in the applicable Service Order Form and each party may update the personal particulars accordingly.

25.3 The parties’ respective Commercial Representatives and Service Representatives (or their delegates) will meet on a quarterly basis to discuss the Services via video conference or any such means as agreed by both parties.

26 UNFORESEEABLE EVENTS

26.1 A party shall not be responsible for any delay, interruption or failure that is caused, whether directly or indirectly, by:

(a) the other party, any government agency or a court of competent jurisdiction issuing any order, directive or instruction which affects the first party’s performance of such obligations;

(b) the other party failing, neglecting or omitting in performing its obligations under the Agreement, including performing its responsibilities in accordance with the Agreement in an efficient and timely manner; or

(c) the occurrence of a Force Majeure Event,

which has a material impact on the performance of the relevant obligations of the first party.

26.2 If such an event occurs, the first party must:

(a) notify the other party of the delay, interruption or failure;

(b) identify the specific nature of the delay, interruption or failure; and

(c) comply with the reasonable instructions of the other party in relation to the delay, interruption or failure (including any requirement to develop and implement an action plan in relation to that delay, interruption or failure).

27 GENERAL

27.1 Severability: If any illegal, invalid or unenforceable part of the Agreement would be legal, valid or enforceable if part of it were removed, we both will negotiate in good faith to change the Agreement, so it reflects what we both originally intended as much as possible.

27.2 Survival of Agreement: The Agreement is to be binding upon the parties and their respective successors.

27.3 Waiver: No delay or failure to exercise or enforce any right or provision of the Agreement is considered a waiver of that right unless made in writing.

27.4 Relationship of the parties: The relationship of the Parties shall be as per the terms set out in the Agreement.

27.5 Set-off: Neither party shall be entitled to set off any amount payable under the Agreement unless the Agreement expressly provides otherwise.

27.6 Costs: each party shall bear its own costs and expenses in connection with the Agreement.

27.7 Making changes to the Agreement: Any changes shall be in writing and executed by both parties.

27.8 Cooperation with third-parties: You shall cooperate with, and provide any information requested by, any third-parties engaged by Apigate in connection with the Agreement.

28 DEFINED TERMS

28.1 The defined terms are as defined in the Defined Terms.pdf

APIGATE GENERAL TERMS

DIRECT OPERATOR BILLING

This General Terms (Northbound) applies to all Partners subscribing to Direct Operator Billing Service offered by Apigate Sdn Bhd (Company No. 201701045511 (1259684-W)). By signing the Service Order Form, you are deemed to have read and accepted the term and conditions stated herein and all relevant policies. Apigate Sdn Bhd may amend and update the terms from time to time and Apigate Sdn Bhd may give you notice of such change via our website. You hereby agree that your continuous use and access of the Services shall signify your acceptance to the changes and any updates to the terms and conditions mentioned therein.

1. THE BASICS

1.1 Apigate Sdn Bhd has developed a mobile internet and fulfilment exchange, as described as the “Apigate Exchange”, for our Southbound Partner (which include but not limited to mobile network operators) to expose certain network capabilities for you to make use of those network capabilities.

1.2 This General Terms apply specifically to the Direct Operator Billing Services you acquire from us. This General Terms will be applicable for Apigate Sdn Bhd., its affiliates, its subsidiaries, its successors and permitted assigns (hereinafter referred to as (“Apigate”).

1.3 This Services that you acquire has its own Service Order Form. This Services also has its own Service Catalogue including but not limited to Apigate’s Policies and Rules and as well as other related documents with more detailed terms (“Incorporated Documents”). Parties agree that the entity within Apigate Group of Companies that will be providing the Services to you shall be specified in each Service Order Form.

1.4 This General Terms, the Service Order Form and the Incorporated Documents will collectively be referred to as “the Agreement”.

1.5 If there is a conflict between the documents, the order of priority, highest first, is:

(a) the Service Order Form;

(b) this General Terms; and

(c) any Incorporated Document,

2. WHAT YOU HAVE TO OBSERVE

2.1 You must comply with Apigate’s Policies and Rules (as provided to you) to the extent that they are applicable to the receipt of the Services.

2.2 You must provide, operate, maintain and support, in good functioning condition, all your System and Materials required to interface with Apigate’s Systems and Materials in order for Apigate to provide the Services to you and/or you to provide the Service, as the case may be.

2.3 You must act with all proper diligence and in good faith and in a manner, which is consistent with the Agreement.

2.4 You agree to provide Apigate with access to all documentation, systems, and other resources reasonably required by Apigate under the Agreement.

2.5 In relation to the Services provided in accordance with the Agreement, you:

a. must ensure that a standard of care, skill, diligence, prudence, and foresight is provided that would reasonably be expected of a competent provider of services, activities, and responsibilities similar to the Services (including in relation to technical and organisational security); and

b. must ensure that the quality of Services is equivalent to good industry standards and practices relevant to the Services.

3. RESTRICTIONS AND LIMITATIONS THAT YOU HAVE TO COMPLY

3.1 Your relationship in relation to the Apigate Exchange must be with Apigate only and Apigate will contract with and have the sole relationship with Southbound Partner of the Services. You must not enter into any contracts or arrangements relating to the Services directly with any of the Southbound Partner of the Services. If you are a consumer of the Services, you must not resell the Service to a third party. Notwithstanding the foregoing, this clause does not in any way prevent you from making the Services consumed available to your subscribers or end-users.

3.2 You must ensure that the Services are not targeted for use by your subscribers or end-users outside of the relevant Territory. You must ensure that all reasonable steps are taken to ensure that other digital rights management technologies applied to the Services are included and maintained and apply additional technologies to protect against the use of those Services outside of the relevant Territory.

3.3 You must not commit or permit any copying, reselling, altering, modifying, creating of derivative works, reverse engineering, decompiling, translating, disassembling, adding, attaching or extracting source code or any Confidential Information in connection with the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with the Services.

3.4 You must not permit any personnel, agents, third party contractors or other third parties under your control to, by act or omission or in any manner, encumber, impair or otherwise prejudicially affect the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with the Services. This may be done by having in place security measures, systems, applications, and processes in accordance with good industry standards and practices.

3.5 You must ensure that, in relation to the consumption of the Services by you or by your subscribers or end-users, no act or omission is committed or permitted by you which could reasonably be considered to be or likely to be:

(a) unsolicited, unauthorised, inappropriate, offensive, obscene, indecent, defamatory, abusive, harassing or threatening;

(b) damaging, disruptive, destabilizing, destructive, corruptive, intrusive, probing, circumventing or dangerous;

(c) infringing a third party’s rights; or

(d) adversely affecting or damaging the goodwill or reputation of Apigate.

3.6 You (including any personnel, agents, third party contractors or other third parties under your control) must not make any public statement or act in any manner which is reasonably likely to disparage, criticise, or bring into disrepute Apigate or the other parties involved in enabling the Services.

4 WHAT WE NEED TO COMPLY

4.1 Both parties agree to ensure its compliance with applicable Law in connection with the Agreement and the Services and each party warrants and represents that it has obtained and will maintain all legal, regulatory and governmental approvals and consents required from the relevant authorities in Malaysia, or in your case, in the Territory, in relation to its respective obligations under the Agreement.

4.2 You further warrant and represent that you have obtained and will maintain all necessary approvals, licences, sub-licences, rights, and consents from all necessary parties, in respect of the consumption of Services.

5 DATA PROTECTION

5.1 You shall at all times comply with the Personal Data Protection Policy .pdf in regard to the Personal Data.

6 THE SERVICES

6.1 You may only consume the Services or provide the Services to your subscribers or end-users within one of your service offerings (“Service Offering”), within the agreed scope of the Services consumption set out in the applicable Service Order Form and the Agreement (“Scope”). If you wish to consume the Services or provide a Service Offering outside of the agreed Scope, then you must notify Apigate of an amended or new scope, and Apigate may require you (in its sole discretion) to utilise the Change Control Procedure or to enter into a new Service Order Form.

6.2 You may from time to time update any of your Service Offerings for the particular Services (for example, by releasing a new version of a mobile application), provided that such update does not affect your Systems’ integration with Apigate Exchange and Apigate’s Systems (as applicable) in any way and your receipt of such Services continues to comply with the applicable API specification and all other requirements under the Agreement for that particular Services. All other changes to your Service Offerings must go through the Change Control Procedure.

6.3 If you wish to consume a new service other than for Direct Operator Billing Services after you have entered into the Agreement, you will be required to enter into a new Service Order Form and the applicable General Terms shall apply.

7 INTELLECTUAL PROPERTY RIGHTS ("IPR”)

7.1 You shall at all times comply with the Intellectual Property Rights Policy.pdf in regard to the IPR.

8 KEEPING THINGS CONFIDENTIAL

8.1 Confidentiality:

(a) We will both keep all Confidential Information confidential;

(b) We will both take adequate and appropriate steps to notify our employees and the third parties of their obligations to comply with the Agreement;

(c) We both agree that either party may disclose the Agreement to its related companies, solicitors, auditors, insurers and accountants to the extent necessary for that party to perform its obligations or exercise its rights under the Agreement; and

(d) This confidentiality clause shall survive for 2 (two) years from the termination or expiry of this General Terms for any reason.

9 PUBLICITY

9.1 Each party may only make a public announcement or communication in connection with the Agreement with the prior written consent of the other party and the relevant third party’s contractors, except that the other party may make a public announcement or communication if required by Law, court order, governmental authority or the listing rules of any stock exchange of which the receiving party or its related companies are bound.

10 WE BOTH REPRESENT AND WARRANT

10.1 The execution, delivery, and performance of the Agreement have been duly authorised by all necessary corporate and other actions and approvals, and that the Agreement constitutes a legal, valid and binding obligation of that party.

10.2 Both parties have not relied on any representation made by the other party which has not been stated expressly in the Agreement. Except as specified in this clause, any condition or warranty is expressly excluded save in the case of fraudulent misrepresentation.

11 IF SOMETHING GOES WRONG

11.1 You shall indemnify and hold harmless Apigate in respect of Loss suffered or incurred by Apigate in connection with:

(a) the consumption of the Services by any end-users (as the case may be);

(b) your provision or consumption of the Services (as the case may be) via or in connection with the Apigate Exchange or any act or omission by you relating thereto, including in connection with third party claims (as the case may be);

(c) breach of any part of the Agreement by you, or violation or your failure to comply with our privacy and data protection obligations or confidentiality obligations or applicable Laws by you or any end-users;

(d) or arising from any act or omission by you or any end users which results in Apigate breaching its agreements with other third-party contractors relevant to the Apigate Exchange or the Services; or

(e) a dispute between you and any end-users; and/or

(f) an Infringement Claim.

11.2 Each party shall indemnify and hold harmless the other party in respect of Loss suffered or incurred by either party, arising from any claim that the intellectual property owned by either party infringes any Intellectual Property Rights of a third party.

11.3 You hereby agree to hold Apigate harmless against any claims or penalties that may be imposed on Apigate by reason of your failure to comply with your obligations under the tax Law of your jurisdiction.

11.4 Apigate’s only entire liability to you for all Claims, demands and proceedings arising under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) will be limited to an aggregate amount equivalent to the Contract Price.

11.5 In no event shall a party be liable to the other party under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any indirect or consequential damages, even if the first party has been advised of the possibility of such damages, or for any damages for loss of profit, goodwill, business opportunity, anticipated savings or data.

11.6 The Apigate Exchange is hosted and managed on servers operated by a third-party provider. Notwithstanding anything to the contrary in the Agreement, Apigate excludes all liability to you (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any and all Loss (including direct, indirect and consequential damages) arising out of or in connection with the Agreement, the Apigate Exchange and the Services, that are caused directly or indirectly by any act or omission by the third-party provider or any default, error, unavailability or failure of the third-party services.

11.7 Any claims by you in relation to the Agreement shall be made against Apigate and not to any third-party.

11.8 You acknowledge that:

(a) Apigate shall use and rely upon confirmations, receipts, information or reports provided by third-parties in connection with the Apigate Exchange. As such, Apigate gives no warranty and makes no representation as to the accuracy, completeness or timeliness of such data or information;

(b) Apigate gives no warranty and makes no representation as to the functionality or ability of the Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or of the Services consumed by you, to meet any minimum transaction volumes or forecasts or always be available, uninterrupted, error-free, secure, free from harmful components, non-infringing, or to be fit for purpose; and

(c) all such warranties and representations are hereby excluded to the extent permitted by applicable Law.

11.9 Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or of the Services consumed by you, may not be available during any periods of maintenance, upgrades or Force Majeure Events.

11.10 The limitations and exclusions of liability anywhere in the Agreement will not operate to restrict or exclude:

(a) a party's liability to make any payment of fees and interest on late payment of fees to the other party in accordance with the Agreement;

(b) a party’s liability for breach of the parts of the Agreement titled ‘Data Protection’, ‘Restrictions and Limitations That You Have to Comply’, ‘Publicity’ or ‘Keeping Things Confidential’;

(c) any obligation by you to indemnify any person under the Agreement;

(d) your liability for claims, actions, directions, objections, investigations, requirements, fines, penalties, sanctions or other remedies from any relevant authority relating to a failure by you to comply with applicable Law or Authorisation or any act or omission by you putting Apigate in breach of applicable Law or Authorisation;

(e) a party's liability for that party's fraud;

(f) a party's liability for death or personal injury caused by that party; or

(g) any liability that cannot be excluded under mandatory applicable Law.

12 REGULATORY CHANGE

12.1 If a regulatory change causes you not to be able to perform your obligations under the Agreement, you shall notify us promptly in writing.

12.2 If there is a regulatory change or obligations of a party cannot be performed without breaching applicable Law, or any provision of the Agreement is subjected to substantial objection, investigation or requirement by any relevant authority, the parties must promptly negotiate in good faith to agree a written variation to the Agreement which:

(a) removes the affected terms (and the terms will cease to have further effect; and

(b) allows that first party to perform obligations without breaching any applicable Law or deals with that provision, objection, investigation or requirement in a manner which substantially gives effect to the parties' intentions at the commencement date of the affected provision, and all other provisions of the Agreement will remain in full force and effect.

12.3 If the parties are unable to agree on an acceptable variation, then the affected party will have the right to terminate any one or more of the Services or the Service Order Form by serving on the other party sixty (60) days’ notice in writing.

13 WHEN WILL THE SERVICES BE SUSPENDED OR TERMINATED

13.1 Apigate may suspend, and/or terminate your consumption of the Services, or the provision and use of the Apigate Exchange by written notice to you at any time:

(a) if you are in breach of the Agreement (including any failure to pay a statement of account or invoice (as applicable) by the due date), or Apigate reasonably suspects a breach of the Agreement or misuse of the Services or Apigate Exchange;

(b) in the event the Services or provision and use of the Apigate Exchange is no longer practical or feasible;

(c) in circumstances where there is a third-party intellectual property claim against you, Apigate or any third-party that is relevant to the Apigate Exchange, the Services or any rights or obligations under the Agreement;

(d) where suspension or termination is required in order for Apigate to comply with an injunction or other court order issued against it or any relevant third-party relating to the provision and use of the Apigate Exchange; or

(e) if Apigate’s third-party provider, for any reason, suspends the provision of the third-party services or otherwise ceases to provide (temporarily or otherwise) the third-party services.

13.2 If Apigate exercises its right to suspend pursuant to Clause 13.1, then Apigate will use reasonable endeavours to resume the provision and use of the Apigate Exchange, or allow for the consumption of the affected Services within a reasonable period of time, which is commercially practicable and feasible in all of the circumstances.

13.3 Only if Apigate is unable to resume the provision and use of Apigate Exchange, or allow for the consumption of the affected Services (as applicable), then Apigate may terminate any or more of the Services or the Service Order Form upon a written notice to you. Neither party shall have any Claims against each other arising from termination pursuant to this Clause.

14 WHEN THE TERM STARTS

14.1 This General Terms shall be effective from the date of the Service Order Form until it is terminated.

14.2 Each Services shall start on the date as set out in the Service Order Form.

15 WHEN THE SERVICE ORDER FORM ENDS

15.1A party (“Terminating Party”) may terminate any one or more of the Services or the Service Order Form, immediately by providing written notice to the other party to that effect if:

(a) that other party becomes insolvent or makes an assignment for the general benefit of creditors, or any proceedings are commenced by or against that other party under insolvency Law;

(b) proceedings for the appointment of a custodian, receiver, receiver manager or any other official with similar powers for that other party are commenced; or

(c) that the other party ceases to carry on business.

15.1 Apigate may terminate any one or more of the Services or the Service Order Form, upon thirty (30) days’ written notice in the event a Change in Control occurs. You must promptly notify Apigate if a Change in Control of you occurs.

15.2 A party may terminate any one or more of the Services or the Service Order Form, immediately by providing a notice to the other party if that other party:

(a) has not performed any material covenant; or

(b) has breached any material term of the Agreement,

and such failure to perform or breach is:

(i) incapable of cure; or

(ii) capable of cure, but the other party fails to cure the failure to perform or breach within 30 (thirty) days from receipt of notice by the non-defaulting party (or such additional cure period as the non-defaulting party may authorize).

15.3 If a delay or failure by a party to perform its obligations due to a Force Majeure Event exceeds thirty (30) continuous days, the other party may immediately terminate any one or more of the Services or the Service Order Form by providing a notice to the other party.

15.4 Apigate may terminate any one or more of the Services or the Service Order Form upon a thirty (30) days’ written notice to you without assigning any reason whatsoever.

15.5 Precedence in Termination:

(a) Termination of the Service Order Form will automatically terminate the Agreement; and

(b) Termination of all Services will automatically terminate the Service Order Form.

15.6 Return or destruction of Confidential Information:

15.6.1 Either Party must as soon as practicable on expiry or termination of the Agreement or any part of the Agreement:

(i) return to the other party or (if upon request of one Party) destroy;

(ii) certify in writing to the other Party the destruction of; and/or

(iii) permit an employee of either Party to witness the destruction of,

all Confidential Information, Materials and information containing or comprising Intellectual Property Rights owned by or licensed to either party or Data and/or Personal Data used under or in connection with the expired or terminated Agreement other than one copy of any notes and other records of the Confidential Information that you are required by Law to retain.

15.7 For the avoidance of doubt, the obligations of confidentiality as provided in the Agreement shall continue to apply to any such Confidential Information retained by you.

15.8 Survival of clauses:

15.8.1 The following shall survive the termination or expiry of the Agreement or any part of the Agreement:

(i) the relevant parts of the Agreement in Clauses 5 (Data Protection), 7 (Intellectual Property Rights), 8 (Keeping Things Confidential),9 (Publicity), 11 (If Something Goes Wrong), 14 (When The Term Starts) , 15 (When The Service Order Form Ends) , 16 (Transferring To Another Party), 17 (Entire Agreement), 18 (Choice of Law), 19 (Settling Disputes), 20 (Notices), 27 (General) and 28 (Defined Terms); and

(ii) as well as any other term which by its meaning or nature may be understood to survive termination or expiry of the Agreement or any part of the Agreement.

15.8.2 Except as expressly provided otherwise in the Agreement, termination or expiry of the Agreement shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination or expiry, including the right to claim damages in respect of any breach of the Agreement which existed at or before the date of termination or expiry.

16 TRANSFERRING TO ANOTHER PARTY

16.1 Neither Party may assign or novate without the prior written consent of the other party except that either Party from time to time will assign or novate the Agreement, in whole or in part, to any entity within each Party’s group of companies by giving notice to the other party.

16.2 If a party subcontracts any of its obligations under the Agreement, then that party will remain fully responsible and liable for the performance of its obligations.

17 ENTIRE AGREEMENT

17.1 The Agreement constitutes the entire agreement between the parties and supersedes all prior representations and agreements, oral or written, save in the case of fraudulent misrepresentation.

18 CHOICE OF LAW

18.1 The Law of Malaysia will apply to the Agreement and any disputes or claims in connection with it or our relationship, including non-contractual ones.

19 SETTLING DISPUTES

19.1 We will both do what we reasonably can to settle any dispute or claim that occurs under or in relation to the Agreement, and to avoid having to get the courts or regulatory authorities involved.

19.2 We will both use the following dispute resolution process:

a. whichever of us is affected will provide notice of the complaint that clearly sets out the full facts and includes relevant supporting documents;

b. we will both use reasonable endeavours to settle the dispute within seven (7) days;

c. if the dispute is not settled after seven (7) days (or any other period agreed by both of us in writing), then the Chief Executive Officer of Apigate (or person with an equivalent level of seniority) and your counterpart (or person with an equivalent level of seniority) shall meet to resolve the dispute; and

d. if the dispute is still not settled seven (7) days after it is escalated, or no meeting for the purpose of settling the dispute has taken place within twenty-one (21) days after the service of a dispute notice, the dispute shall then be referred to and shall be finally and exclusively resolved by arbitration under the rules of the Asian International Arbitration Centre (AIAC) in force as at the date of application for arbitration ("AIAC Arbitration Rules 2018"). The AIAC Rules are hereby incorporated by reference into the Agreement.

19.3 The arbitration award rendered shall be in writing and shall set out the reasons for the arbitrator’s decision. The award shall apportion the costs of the arbitration as the arbitrator deems fair.

19.4 The arbitration shall be conducted before a sole arbitrator. The seat, or legal place of arbitration, shall be Kuala Lumpur. The language of the arbitration shall be English. All documents submitted in connection with the proceedings shall be in the English language, or, if in another language, accompanied by an English translation.

19.5 We both agree that the arbitration award shall be final and binding on both of us and may be enforced in any court of competent jurisdiction.

19.6 Without prejudice to the above provisions, both of us may seek injunctive relief, including restraining orders and preliminary injunctions, in any court of competent jurisdiction, and either party may request that a court refers the proceedings to arbitration in accordance with the Agreement.

20 NOTICES

20.1 Any notice, statement of account, invoice, request or other document or communication to be given under the Agreement shall be in writing and in the English language and may be given or sent by:

(a) hand delivery or courier, in which case it will be deemed to have been delivered immediately upon delivery;

(b) registered post, express or other fast postal services, in which case it will be deemed to have been delivered within 7 (seven) days of it being posted; or

(c) electronic mail, in which case it will be deemed to have been delivered at the time that it was sent as evidenced by a transmission report generated by the computer system,

to the other party at the address or email address set out in the Agreement, as may be updated from time to time by the other party.

21 NO EXCLUSIVITY OR MINIMUM COMMITMENT

21.1 Apigate may admit any number of third-parties to consume the Services and your involvement in connection with the Agreement is non-exclusive unless otherwise expressly provided in the Agreement.

22 RECORDS AND REPORTING

22.1 You must keep clear, understandable, accurate, complete and up to date records and supporting information for all transactions relating to the Services consumed. You must:

(a) make such transaction records and information available, as reasonably required by Apigate for inspection, verification and audit purposes promptly upon request; and

(b) provide such other reports as set out in the Agreement, and as otherwise reasonably required by Apigate from time to time relating to the transactions, promptly upon request.

23 PAYMENT

23.1 Payment terms shall beset out in the Service Order Form and Service Catalogue.

23.2 Payment Upon Receipt: You acknowledge that Apigate will pay you your revenue share (“Payout”) as set out in the Service Order Form within fifteen (15) days upon receipt of the payment from the related Southbound Partner to Apigate and such payment shall be based on the statement of account provided by you to Apigate (“Northbound Statement of Account”). Apigate shall not be liable to pay the Payout in the event Apigate fails to receive the Northbound Statement of Account from you on time or as otherwise agreed upon the Service Order Form.

23.3 Each party shall bear its own costs and expenses as set out in the Agreement.

23.4 Each party agrees that it must not require the other party or any relevant third party to sell products or services at a particular price.

23.5 Apigate will issue a statement of account to you upon receipt of the payment from the related Southbound Partner to Apigate and the payment shall be based on the Northbound Statement of Account. Failure by a party to raise a statement of account or invoice (as applicable) will not prejudice or waive its right to later issue a statement of account or invoice (as applicable) for the relevant amount.

23.6 Each party may be required to provide relevant information evidencing any amounts claimed in accordance with the Agreement.

23.7 Each party agrees that in the event the statement of account or invoice (as applicable) is less than or equivalent to USD250.00 or RM1,000 (“Minimum Sum”) depending on the agreed currency in the Service Order Form, the settlement of such sum shall be paid when the cumulative amount of the statement of account or invoice (as applicable) is more than the Minimum Sum or at the end of the relevant quarter of the year, whichever is earlier.

23.8 In the event of any dispute to any amounts payable in accordance with the Agreement, such disputes shall not be a reason to withhold or deny any undisputed payments. Such disputes shall be resolved in accordance with the dispute resolution procedures as provided for in the the Agreement.

23.9 The rate card for the Services is set out in the Service Order Form.

23.10 Apigate shall not be liable for any Loss caused by exchange rate fluctuations or by any failure to remit or convert funds to the settlement currency stated in the Service Order Form at a particular time or at a more favourable rate of exchange than actually used.

23.11 You shall bear any operation costs incurred by Apigate during the on-boarding processsubject to prior notice to you on such cost.

24 TAXES

24.1 Unless agreed otherwise in a Service Order Form, Apigate will not be responsible for any bad debts, unrecovered sums or withholding for tax purposes and Apigate will deduct any such bad debts, unrecovered sums or withholding for tax purposes from the monthly statement of account or invoice (as applicable) issued to you.

24.2 Withholding tax

24.2.1 If any payment under the Agreement is subject to any applicable taxes by the relevant authority under the Law in countries and jurisdiction which Apigate is operating, and such tax is required to be withheld from the payment to you, Apigate is entitled to deduct any taxes payable from the gross payment and remit the amount to the tax authorities on behalf of you.

24.2.2 Apigate shall then make payment of the fees to you, less the sum deducted for tax in accordance with the terms and conditions of the Agreement.

24.2.3 If you are entitled to a preferential tax rate, you may then furnish to Apigate evidence of your tax residency status by way of letter or certificate issued by the relevant tax authority confirming your tax residence status prior to us making the first payment to you under the Agreement.

24.2.4 Apigate will furnish to you all applicable tax receipts as soon as practicable. .

24.3 Duties and other governmental or administrative charges and levies of any kind whatsoever arising from the Agreement, including sales, services, use, value‑added, goods and services or others ("Taxes") may be levied in addition to any payment for Services to be made in accordance with the Agreement and will be payable in accordance with the Agreement.

24.4 Where any service tax, goods, and services tax, or tax of similar nature is applicable on any goods or services supplied under the Agreement imposed by the relevant Malaysian authorities, you shall pay for the appropriate service tax or goods and services tax, or tax of similar nature under each invoice, provided that Apigate has complied with the following:

(a) Apigate is duly licensed by the relevant Malaysian authorities to collect such service tax or goods and services tax, or tax of similar nature;

(b) the appropriate service tax or goods and services tax or tax of similar nature for each statement of account or invoice (as applicable) is included under the relevant statement of account or invoice (as applicable) at the time of the issuance of the statement of account or invoice (as applicable); and

(c) all statement of account or invoices (as applicable) provided by Apigate to you comply with the relevant Law in respect of service tax or goods and services tax, or tax of similar nature enforced by the Malaysian authorities.

24.5 If Apigate is required to pay any Taxes to any relevant third party in connection with the Agreement, Apigate may pass through such Taxes which may be levied in addition to any payment for the Services and other Taxes to be made in accordance with the Agreement and will be payable in accordance with the Agreement.

24.6 All other taxes shall be the responsibility of the relevant party in compliance with the prevailing tax treaty or tax regulations in any relevant country.

25 GOVERNANCE

25.1 Each party’s respective Commercial Representative will be as set out in the Service Order Form and each party may update the personal particulars accordingly.

25.2 Each party’s respective Service Representative will be as set out in the Service Order Form and each party may update the personnel’s particulars accordingly.

25.3 The parties’ respective Commercial Representatives and Service Representatives (or their delegates) will meet on a quarterly basis to discuss the Services via video conference or any such means as agreed by both parties.

26 UNFORESEEABLE EVENTS

26.1 A party shall not be responsible for any delay, interruption or failure that is caused, whether directly or indirectly, by:

(a) the other party, any government agency or a court of competent jurisdiction issuing any order, directive or instruction which affects the first party’s performance of such obligations;

(b) the other party failing, neglecting or omitting in performing its obligations under the Agreement, including performing its responsibilities in accordance with the Agreement in an efficient and timely manner; or

(c) the occurrence of a Force Majeure Event,

which has a material impact on the performance of the relevant obligations of the first party.

26.2 If such an event occurs, the first party must:

(a) notify the other party of the delay, interruption or failure;

(b) identify the specific nature of the delay, interruption or failure; and

(c) comply with the reasonable instructions of the other party in relation to the delay, interruption or failure (including any requirement to develop and implement an action plan in relation to that delay, interruption or failure).

27 GENERAL

27.1 Severability: If any illegal, invalid or unenforceable part of the Agreement would be legal, valid or enforceable if part of it were removed, we both will negotiate in good faith to change the Agreement, so it reflects what we both originally intended as much as possible.

27.2 Survival of Agreement: The Agreement is to be binding upon the parties and their respective successors.

27.3 Waiver: No delay or failure to exercise or enforce any right or provision of the Agreement is considered a waiver of that right, unless made in writing.

27.4 Relationship of the parties: The relationship of the Parties shall be as per the terms set out in the Agreement.

27.5 Set-off: Neither party shall be entitled to set off any amount payable under the Agreement, unless the Agreement expressly provides otherwise.

27.6 Costs: Each party shall bear its own costs and expenses in connection with the Agreement.

27.7 Making changes to the Agreement: Any changes shall be in writing and executed by both parties.

27.8 Cooperation with third-parties: You shall cooperate with, and provide any information requested by, any third-parties engaged by Apigate in connection with the Agreement.

28 DEFINED TERMS

28.1 The defined terms are as defined in the Defined Terms.pdf

APIGATE GENERAL TERMS

This General Terms (Southbound) applies to all Partners whom Apigate Sdn Bhd (Company No. 201701045511 (1259684-W)) procures the services from. By signing the Service Order Form, you are deemed to have read and accepted the term and conditions stated herein and all relevant policies. Apigate Sdn Bhd may amend and update the terms from time to time and Apigate Sdn Bhd may give you notice of such change via our website. You hereby agree that your continuous provision of the Services shall signify your acceptance to the changes and any updates to the terms and conditions mentioned therein.

1. THE BASICS

1.1 Apigate Sdn Bhd has developed a mobile internet and fulfilment exchange, as described as the “Apigate Exchange”, for you (which includes but is not limited to mobile network operators) to expose certain network capabilities for our Northbound Partner to make use of those network capabilities.

1.2 This General Terms apply to any Services Apigate Sdn. Bhd procures from you. This General Terms will be applicable for Apigate Sdn Bhd., its affiliates, its subsidiaries, its successors and permitted assigns (hereinafter referred to as “Apigate”).

1.3 The Services that you provide has its own Service Order Form and Service Catalogue including but not limited to Apigate’s Policies and Rules and as well as other related documents with more detailed terms (“Incorporated Documents”). Parties agree that the entity within Apigate Group of Companies that will be procuring the Services from you shall be specified in each Service Order Form.

1.4 This General Terms, the Service Order Form and the Incorporated Documents would be collectively referred to as “the Agreement”, unless stated otherwise in the Service Order Form

1.5 If there is a conflict between the documents, the order of priority, highest first, is:

(a) the Service Order Form;

(b) this General Terms; and

(c) any Incorporated Document,

2. WHAT YOU HAVE TO OBSERVE

2.1 You must comply with Apigate’s Policies and Rules (as provided to you) to the extent that they are applicable to the receipt of the Services.

2.2 You must provide, operate, maintain and support, in good functioning condition, all your System and Materials required to interface with Apigate’s Systems and Materials in order for Apigate to provide the Services to you and/or you to provide the Services, as the case may be.

2.3 You must act with all proper diligence and in good faith and in a manner, which is consistent with this Agreement.

2.4 You agree to provide Apigate with access to all documentation, systems, and other resources reasonably required by Apigate under the Agreement.

2.5 In relation to any Services provided in accordance with the Agreement, you:

a. must ensure that a standard of care, skill, diligence, prudence, and foresight is provided that would reasonably be expected of a competent provider of services, activities, and responsibilities similar to the Services (including in relation to technical and organisational security); and

b. must ensure that a quality of Services that is equivalent to good industry standards and practices relevant to the Services.

3. RESTRICTIONS AND LIMITATIONS THAT YOU HAVE TO COMPLY

3.1 Your relationship in relation to the Apigate Exchange must be with Apigate only and Apigate will contract with and have the sole relationship with Northbound Partner of the Services. You must not enter into any contracts or arrangements relating to the Services directly with any of the Northbound Partner of the Services.

3.2 You must not commit or permit any copying, reselling, altering, modifying, creating of derivative works, reverse engineering, decompiling, translating, disassembling, adding, attaching or extracting source code or any Confidential Information in connection with the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with any Services; and

3.3 You must not permit any personnel, agents, third party contractors or other third parties under your control to, by act or omission or in any manner, encumber, impair or otherwise prejudicially affect the Apigate Exchange or any other Systems, Materials and Data prepared, devised, written or provided in whole or in part by or on behalf of Apigate or any third party in connection with any Services. This may be done by having in place security measures, systems, applications, and processes in accordance with good industry standards and practices.

3.4 You must ensure that, in relation to the provision of Services by you, no act or omission is committed or permitted by you which could reasonably be considered to be or likely to be:

(a) unsolicited, unauthorised, inappropriate, offensive, obscene, indecent, defamatory, abusive, harassing or threatening;

(b) damaging, disruptive, destabilizing, destructive, corruptive, intrusive, probing, circumventing or dangerous;

(c) infringing a third party’s rights; or

(d) adversely affecting or damaging the goodwill or reputation of Apigate.

3.5 You (including any personnel, agents, third party contractors or other third parties under your control) must not make any public statement or act in any manner which is reasonably likely to disparage, criticise, or bring into disrepute Apigate or the other parties involved in enabling the Services.

4 WHAT WE NEED TO COMPLY

4.1 Both parties agree to ensure its compliance with applicable Law in connection with the Agreement and the Services and each party warrants and represents that it has obtained and will maintain all legal, regulatory and governmental approvals and consents required from the relevant authorities in Malaysia, or in your case, in the Territory, in relation to its respective obligations under this Agreement.

4.2 You further warrant and represent that you have obtained and will maintain all necessary approvals, licenses, sub-licenses, rights, and consents from all other necessary third parties, in respect of the provision of Services.

5 DATA PROTECTION

5.1 You shall at all times comply with the Personal Data Protection Policy .pdf in regard to the Personal Data.

6 THE SERVICES

6.1 Apigate may market and promote to third parties the Services referred to in the relevant Service Order Forms executed by you and Apigate.

6.2 If requested by Apigate in relation to a particular Northbound Partner, you will negotiate in good faith to agree on a Service Order Form, within ten (10) days following such request and where agreed, Apigate and you must execute such form. You will not unreasonably withhold or delay your approval of such third party or a Service Order Form. You must provide to Apigate the Services (which refers to multiple Services, covered by multiple Service Catalogue) as referred to in the relevant Service Order Form.

6.3 You acknowledge and agree that Apigate or any agreed third party may, in combination with Apigate or the relevant third party's own work or services, resell, distribute or sub-license, directly or indirectly, those Services in accordance with the Agreement. Apigate or any agreed third party may offer those Services on a worldwide basis (as determined by Apigate) unless specified otherwise in the relevant Service Catalogue or Service Order Form.

7 PERFORMANCE MANAGEMENT

7.1 In relation to the Services, you must comply with the provisions of the Agreement including in relation to any milestones, service levels, quality standards, and requirements or other performance management framework.

7.2 If a Service Catalogue or Service Order Form prescribes for liquidated damages, service credits or any other amounts relating to non-performance of the Services, such amounts will be promptly applied in any invoice or remittance advice between you and Apigate (or vice versa) relating to relevant products or services rendered or consumed (as applicable) by you.

7.3 The payment of liquidated damages, service credits or any other amounts referred to above:

(a) shall not relieve any obligations under the Agreement or liability in connection with the Agreement (notwithstanding such payments);

(b) are intended as an incentive to perform the obligations under the Agreement and to be a genuine pre-estimate of the Loss but not as a penalty; and

(c) to the extent involving any amount determined to be a penalty pursuant to the Agreement will have the amount of any such penalty removed from such liquidated damages, service credits or any other amounts.

7.4 You shall provide the Services in accordance with the service levels set out in Apigate Service Operation Reference (Southbound).

7.5 The Parties will each be available to provide assistance to each other in resolving service complaints, technical problems and all other issues related to the Services as set out in Apigate’s Policies and Rules and the Apigate Service Operations Reference (Southbound).

8 INTELLECTUAL PROPERTY RIGHTS ("IPR”)

8.1 You shall at all times comply with the Intellectual Property Rights Policy.pdf in regard to the IPR.

9 KEEPING THINGS CONFIDENTIAL

9.1 Confidentiality:

(a) We will both keep all Confidential Information confidential;

(b) We will both take adequate and appropriate steps to notify our employees and the third parties of their obligations to comply with the Agreement.

(c) We both agree that either party may disclose the Agreement to its related companies, solicitors, auditors, insurers and accountants to the extent necessary for that party to perform its obligations or exercise its rights under the Agreement.

(d) This confidentiality clause shall survive for 2 (two) years from the termination or expiry of the Agreement for any reason.

10 PUBLICITY

10.1 Each party may only make a public announcement or communication in connection with the Agreement with the prior written consent of the other party and the relevant third party’s contractors, except that the other party may make a public announcement or communication if required by Law, court order, governmental authority or the listing rules of any stock exchange of which the receiving party or its related companies are bound.

11 WE BOTH REPRESENT AND WARRANT

11.1 The execution, delivery, and performance of the Agreement have been duly authorised by all necessary corporate and other actions and approvals, and that the Agreement constitutes a legal, valid and binding obligation of that party.

11.2 Both parties have not relied on any representation made by the other party which has not been stated expressly in the Agreement. Except as specified in this clause, any condition or warranty is expressly excluded save in the case of fraudulent misrepresentation.

12 IF SOMETHING GOES WRONG

12.1 You shall indemnify and hold harmless Apigate in respect of Loss suffered or incurred by Apigate in connection with:

(a) your provision of the Services via or in connection with the Apigate Exchange or any act or omission by you relating thereto, including in connection with third party claims;

(b) a failure by you to comply with your privacy and data protection obligations or confidentiality obligations or applicable Law or Authorisations;

(c) any act or omission by you putting Apigate in breach of applicable Law or Authorisations; and/or

(d) an Infringement Claim.

12.2 We both shall indemnify and hold harmless the other party in respect of Loss suffered or incurred by either party, arising from any claim that the intellectual property owned by either party infringes any Intellectual Property Rights of a third party.

12.3 You hereby agree to hold Apigate harmless against any claims or penalties that may be imposed on Apigate by reason of your failure to comply with your obligations under the tax Law of your jurisdiction.

12.4 Apigate’s entire liability to you for all claims, demands and proceedings arising under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) will be limited to an aggregate amount equal to the Contract Price.

12.5 In no event shall a party be liable to the other party under or in connection with the Agreement (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any indirect or consequential damages, even if the first party has been advised of the possibility of such damages, or for any damages for loss of profit, goodwill, business opportunity, anticipated savings or data.

12.6 The Apigate Exchange is hosted and managed on servers operated by a third-party provider. Notwithstanding anything to the contrary in the Agreement, Apigate excludes all liability to you (whether for negligence or any other tort, breach of contract, breach of statutory duty, misrepresentation, personal repudiatory breach, or otherwise) for any and all Loss (including direct, indirect and consequential damages) arising out of or in connection with the Agreement, the Apigate Exchange and the Services, that are caused directly or indirectly by any act or omission by the third-party provider or any default, error, unavailability or failure of the third party services.

12.7 Any claims by you in relation to the Agreement shall be made against Apigate and not any relevant third party.

12.8 You acknowledge that:

(a) Apigate shall use and rely upon confirmations, receipts, information or reports provided by third parties in connection with the Apigate Exchange. As such, Apigate gives no warranty and makes no representation as to the accuracy, completeness or timeliness of such data or information;

(b) Apigate gives no warranty and makes no representation as to the functionality or ability of the Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or any Services consumed by you, to meet any minimum transaction volumes or forecasts or always be available, uninterrupted, errorfree, secure, free from harmful components, non-infringing, or to be fit for purpose; and

(c) all such warranties and representations are hereby excluded to the extent permitted by applicable Law.

12.9 Apigate Exchange, any Systems, Materials or Data (or any component thereof) provided by or on behalf of Apigate, or any Services consumed by you, may not be available during any periods of maintenance, upgrades or Force Majeure Events.

12.10 The limitations and exclusions of liability anywhere in the Agreement will not operate to restrict or exclude:

(a) a party's liability to make any payment of fees and interest on late payment of fees to the other party in accordance with the Agreement;

(b) a party’s liability for breach of the parts of the Agreement titled ‘Data Protection’, ‘Restrictions and Limitations That You Need to Comply’, ‘Publicity’ or ‘Keeping Things Confidential’;

(c) any obligation by you to indemnify any person under the Agreement;

(d) your liability for claims, actions, directions, objections, investigations, requirements, fines, penalties, sanctions or other remedies from any relevant authority relating to a failure by you to comply with applicable Law or Authorisations or any act or omission by you putting Apigate in breach of applicable Law or Authorisations;

(e) a party's liability for that party's fraud;

(f) a party's liability for death or personal injury caused by that party; or

(g) any liability that cannot be excluded under mandatory applicable Law.

13 REGULATORY CHANGE

13.1 If a regulatory change causes you not to be able to perform your obligations under the Agreement, you shall notify us promptly in writing.

13.2 If there is a regulatory change or obligations of a party cannot be performed without breaching applicable Law, or any provision of the Agreement is subjected to substantial objection, investigation or requirement by any relevant authority, the parties must promptly negotiate in good faith to agree a written variation to the Agreement which:

(a) removes the affected terms (and the terms will cease to have further effect; and

(b) allows that first party to perform obligations without breaching any applicable Law or deals with that provision, objection, investigation or requirement in a manner which substantially gives effect to the parties' intentions at the commencement date of the affected provision, and all other provisions of the Agreement will remain in full force and effect.

13.3 If the parties are unable to agree on an acceptable variation, then the affected party will have the right to terminate any one or more affected Services or the Service Order Form by serving on the other party 60 (sixty) days’ notice in writing.

14 WHEN WILL THE SERVICES BE SUSPENDED OR TERMINATED

14.1 Apigate may suspend, and/or terminate your provision of one or more of the Services, or the provision and use of the Apigate Exchange by written notice to you at any time:

(a) if you are in breach of the Agreement (including any failure to pay an invoice by the due date), or Apigate reasonably suspects a breach of the Agreement or misuse of the Service or Apigate Exchange;

(b) in the event the Services or provision and use of the Apigate Exchange is no longer practical or feasible;

(c) in circumstances where there is a third party intellectual property claim against you, Apigate or any third party that is relevant to the Apigate Exchange, Services or any rights or obligations under the Agreement; or

(d) where suspension or termination is required in order for Apigate to comply with an injunction or other court order issued against it or any relevant third party relating to the provision and use of the Apigate Exchange; or

(e) if Apigate’s third-party provider, for any reason, suspends provision of the third-party services or otherwise ceases to provide (temporarily or otherwise) the third-party services.

(f) where for 2 (two) or more months in any rolling 6 (six) month period, 2% or more of the total transactions requested via the Apigate Exchange for that particular Service in a calendar month are not processed or are processed incorrectly, by you or your Systems.

14.2 If Apigate exercises its right to suspend pursuant to Clause 14.1, then Apigate will use reasonable endeavors to resume the provision and use of the Apigate Exchange, or the consumption of the affected Services within a reasonable period of time, which is commercially practicable and feasible in all of the circumstances.

14.3 Only if Apigate is unable to resume provision and use of Apigate Exchange, or consumption of the affected Services (as applicable), then Apigate may terminate any one or more of the affected Services or the Service Order Form upon written notice to you. Neither party shall have any claims against each other arising from termination pursuant to this Clause.

15 WHEN THE TERM STARTS

15.1 This General Terms shall be effective from the date of the Service Order Form until it is terminated.

15.2 Each Services shall start on the date as set out in the Service Order Form.

16 WHEN THE SERVICE ORDER FORM ENDS

16.1A party (“Terminating Party”) may any one or more of the Services or the Service Order Form, immediately by providing written notice to the other party to that effect if:

(a) that other party becomes insolvent or makes an assignment for the general benefit of creditors, or any proceedings are commenced by or against that other party under insolvency Law;

(b) proceedings for the appointment of a custodian, receiver, receiver-manager or any other official with similar powers for that other party are commenced; or

(c) that the other party ceases to carry on business.

16.2 Apigate may terminate any one or more of the Services or the Service Order Form upon thirty (30) days’ written notice in the event a Change in Control occurs. You must promptly notify Apigate if a Change in Control of you occurs.

16.3 A party may terminate any one or more of the Services or the Service Order Form immediately by providing notice to the other party if that other party:

(a) has not performed any material covenant; or

(b) has breached any material term of the Agreement,

and such failure to perform or breach is:

(i) incapable of cure; or

(ii) capable of cure, but the other party fails to cure the failure to perform or breach within thirty (30) days of receipt of notice by the non-defaulting party (or such additional cure period as the non-defaulting party may authorize).

16.4 If a delay or failure by a party to perform its obligations due to a Force Majeure Event exceeds thirty (30) continuous days, the other party may immediately terminate any one or more of the Services or the Service Order Form by providing notice to the other party.

16.5 A party may terminate any one or more of the Services or the Service Order Form upon thirty (30) days’ notice to the other party without assigning any reason whatsoever.

16.6 Following termination or expiry of any Service Order Form under which you agree to provide Services ("Terminated Services") for any reason, you shall, if so requested by us continue to provide the Terminated Services in accordance with the relevant Service Order Form until the termination or expiry of every contract between us and a Northbound Partner under which we agree to provide the Terminated Services in force at the date of the notice of termination or date of expiry of the Service Order Form. In such instance, the provisions in this General Terms and the particular Service Order Form (other than provisions relating to the duration of the Agreement) which would otherwise have expired or been terminated will continue to apply in relation to the provision of the Terminated Services by you.

16.7 Precedence in Termination:

(a) Termination of all Service Order Form will automatically terminate the Agreement; and

(b) Termination of all Services will automatically terminate the relevant Service Order Form covering those Services.

16.8 Return or destruction of Confidential Information:

(a) Either Party must as soon as practicable on expiry or termination of the Agreement or any part of this Agreement:

(i) return to the other party or (if upon request of one Party) destroy;

(ii) certify in writing to the other Party the destruction of; and/or

(iii) permit an employee of either Party to witness the destruction of,

all Confidential Information, Materials and information containing or comprising Intellectual Property Rights owned by or licensed to either Party or Data and/or Personal Data used under or in connection with the expired or terminated Agreement other than one copy of any notes and other records of the Confidential Information that you are required by Law to retain.

16.9 For the avoidance of doubt, the obligations on confidentiality as provided in the Agreement shall continue to apply to any such Confidential Information retained by you.

16.10 Survival of clauses:

(a) The following shall survive the termination or expiry of the Agreement or any part of this Agreement:

(i) the relevant parts of the Agreement in Clauses 5 (Data Protection), 8 (Intellectual Property Rights), 9 (Keeping Things Confidential),10 (Publicity), 12 (If Something Goes Wrong), 15 (When the Term Starts) , 16 (When the Service Order Form Ends) , 17 (Transferring to another Parties), 18 (Entire Agreement), 19 (Choice of Law), 20 (Settling Disputes), 21 (Notices), 28 (General) and 29 (Defined Terms); and

(ii) as well as any other term which by its meaning or nature may be understood to survive termination or expiry of the Agreement or any part of the Agreement.

(b) Except as expressly provided otherwise in the Agreement, termination or expiry of the Agreement shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination or expiry, including the right to claim damages in respect of any breach of the Agreement which existed at or before the date of termination or expiry.

17 TRANSFERRING TO ANOTHER PARTY

17.1 Neither Party may assign or novate without the prior written consent of the other party except that either Party from time to time may assign or novate this Agreement, in whole or in part, to any entity within each Party’s group of companies by giving notice to the other party.

17.2 If a party subcontracts any of its obligations under this Agreement, then that party will remain fully responsible and liable for the performance of its obligations.

18 ENTIRE AGREEMENT

18.1 The Agreement constitutes the entire agreement between the parties and supersedes all prior representations and agreements, oral or written, save in the case of fraudulent misrepresentation.

19 CHOICE OF LAW

19.1 The Law of Malaysia will apply to the Agreement and any disputes or claims in connection with it or our relationship, including non-contractual ones.

20 SETTLING DISPUTES

20.1 We will both do what we reasonably can to settle any dispute or claim that occurs under or in relation to this Agreement and to avoid having to get the courts or regulatory authorities involved.

20.2 We will both use the following dispute resolution process:

a. whichever of us is affected will provide Notice of the complaint that clearly sets out the full facts and includes relevant supporting documents;

b. we will both use reasonable endeavours to settle the dispute within seven (7) days;

c. if the dispute is not settled after seven (7) days (or any other period agreed by both of us in writing), then the Chief Executive Officer of Apigate (or person with an equivalent level of seniority) and your counterpart (or person with equivalent level of seniority) shall meet to resolve the Dispute; and

d. if the dispute is still not settled seven (7) days after it is escalated, or no meeting for the purpose of settling the Dispute has taken place within twenty-one (21) days after the service of a Dispute Notice, the Dispute shall then be referred to and shall be finally and exclusively resolved by arbitration under the rules of the Asian International Arbitration Centre (AIAC) in force as at the date of application for arbitration ("AIAC Arbitration Rules 2018"). The AIAC Rules are hereby incorporated by reference into this Agreement.

20.3 The arbitration award rendered shall be in writing and shall set out the reasons for the arbitrator’s decision. The award shall apportion the costs of the arbitration as the arbitrator deems fair.

20.4 The arbitration shall be conducted before a sole arbitrator. The seat, or legal place of arbitration, shall be Kuala Lumpur. The language of the arbitration shall be English. All documents submitted in connection with the proceedings shall be in the English language, or, if in another language, accompanied by an English translation.

20.5 We both agree that the arbitration award shall be final and binding on both of us and may be enforced in any court of competent jurisdiction.

20.6 Without prejudice to the above provisions, both of us may seek injunctive relief, including restraining orders and preliminary injunctions, in any court of competent jurisdiction, and either party may request that a court refers the proceedings to arbitration in accordance with this Agreement.

21 NOTICES

21.1 Any notice, invoice, request or other document or communication to be given under the Agreement shall be in writing and in the English language and may be given or sent by:

(a) hand delivery or courier, in which case it will be deemed to have been delivered immediately upon delivery;

(b) registered post, express or other fast postal services, in which case it will be deemed to have been delivered within 7 (seven) days of it being posted; or

(c) electronic mail, in which case it will be deemed to have been delivered at the time that it was sent as evidenced by a transmission report generated by the computer system,

to the other party at the address or email address set out in this Agreement, as may be updated from time to time by the other party.

22 NO EXCLUSIVITY OR MINIMUM COMMITMENT

22.1 Apigate may admit any number of third parties to consume Services and your involvement in connection with the Agreement is non-exclusive unless otherwise expressly provided in this Agreement.

23 RECORDS AND REPORTING

23.1 You must keep clear, understandable, accurate, complete and up to date records and supporting information for all transactions relating to the Services consumed. You must:

(a) make such transaction records and information available, as reasonably required by Apigate for inspection, verification and audit purposes promptly upon request; and

(b) provide such other reports as set out in this Agreement, and as otherwise reasonably required by Apigate from time to time relating to the transactions, promptly upon request.

24 PAYMENT

24.1 Payment terms shall beset out in the relevant Service Order Form and Service Catalogue.

24.2 Each party shall bear its own costs and expenses as set out in this Agreement.

24.3 Unless specifically agreed otherwise, you shall not request or require, nor prevent or delay, the performance of the Agreement by requesting or requiring, any payment or other amounts from any of the Northbound Partner of the Services.

24.4 Each party agrees that it must not require the other party or any relevant third party to sell products or services at a particular price.

24.5 Each party may issue invoice or statement of account (as applicable) to the other party for any applicable amount under this Agreement. Failure by a party to raise an invoice or statement of account (as applicable) will not prejudice or waive its right to later invoice or raise statement of account (as applicable) for the relevant amount.

24.6 Each party may be required to provide relevant information evidencing any amounts claimed in accordance with this Agreement.

24.7 Each amount invoiced or statement of account issued (as applicable) must be paid within thirty (30) days following the date of receipt of the invoice or statement of account (as applicable) if it is not disputed unless otherwise expressly provided in the Agreement or in the Service Order Form. Each party agrees that in the event the sum is less than or equivalent to USD250.00 or RM1,000 (“Minimum Sum”) depending on the agreed currency in the Service Order Form, the settlement of such sum shall be paid when the cumulative amount of the invoice or statement of account is more than the Minimum Sum or at the end of the relevant quarter of the year, whichever is earlier. Each Party shall bear its own bank transfer or finance charges as applicable.

24.8 In the event of any dispute to any amounts payable in accordance with this Agreement, such disputes shall not be a reason to withhold or deny any undisputed payments. Such disputes shall be resolved in accordance with the dispute resolution procedures as provided for in this Agreement.

24.9The rate card for Services is set out in the relevant Service Order Form.

24.10 The rate of exchange to be applied to convert any payments to be made under the Agreement from a foreign currency into a local currency rate to be applied for Apigate to convert the transaction currency into the currency agreed in the applicable Service Order Form, shall be the rate of exchange published by Oanda + 5% mark up on the date of the payment.

24.11 Apigate shall not be liabl for any loss caused by exchange rate fluctuations or by any failure to remit or convert funds to the currency stated in the Service Order Form at a particular time or at a more favorable rate of exchange than actually used.

24.12You shall bear any operation costs incurred by Apigate during the on-boarding processsubject to prior notice to you on such cost.

25 TAXES

25.1 Unless agreed otherwise in a Service Order Form, Apigate will not be responsible for any bad debts, unrecovered sums or withholding for tax purposes and Apigate will deduct any such bad debts, unrecovered sums or withholding for tax purposes from the monthly invoice or statement of account issued to you.

25.2 Unless agreed otherwise in a Service Order Form, all payments must be made by you in accordance with the Agreement regardless of any bad debts, unrecovered sums or withholding for tax purposes and must be accounted for in full and any payment grossed up to make whole all amounts specified in this Agreement.

25.3 Withholding tax

(a) If any payment under the Agreement is subject to any applicable taxes by the relevant authority under the Law in countries and jurisdiction which you are operating, and such tax is required to be withheld from the payment to Apigate, you are entitled to deduct any taxes payable from the gross payment and remit the amount to the tax authorities on behalf of Apigate.

(b) You shall then make payment of the fees to Apigate, less the sum deducted for tax in accordance with the terms and conditions of this Agreement.

(c) If Apigate is entitled to a preferential tax rate, Apigate may then furnish to you evidence of its tax residency status by way of letter or certificate issued by the relevant tax authority confirming Apigate’s tax residence status prior to you making its first payment to Apigate under this Agreement.

(d) You shall furnish to Apigate all applicable tax receipts within one (1) month from the date of payment.

25.4 Duties and other governmental or administrative charges and levies of any kind whatsoever arising from this Agreement, including sales, services, use, value‑added, goods and services or others ("Taxes") may be levied in addition to any payment for Services to be made in accordance with the Agreement and will be payable in accordance with this Agreement.

25.5 Where any service tax, goods, and services tax, or tax of similar nature is applicable on any goods or services supplied under the Agreement imposed by the relevant Malaysian authorities, you shall pay for the appropriate service tax or goods and services tax, or tax of similar nature under each invoice or statement of account (as applicable), provided that Apigate has complied with the following:

(a) Apigate is duly licensed by the relevant Malaysian authorities to collect such service tax or goods and services tax, or tax of similar nature;

(b) the appropriate service tax or goods and services tax or tax of similar nature for each invoice is included under the relevant invoice or statement of account (as applicable) at the time of the issuance of the invoice or statement of account (as applicable); and

(c) all invoices or statement of account (as applicable) provided by Apigate to you comply with the relevant Law in respect of service tax or goods and services tax, or tax of similar nature enforced by the Malaysian authorities.

25.6 If Apigate is required to pay any Taxes to any relevant third party in connection with this Agreement, Apigate may pass through such Taxes which may be levied in addition to any payment for Services and other Taxes to be made in accordance with the Agreement and will be payable in accordance with this Agreement.

25.7 All other taxes shall be the responsibility of the relevant party in compliance with the prevailing tax treaty or tax regulations in any relevant country.

26 GOVERNANCE

26.1 Each party’s respective Commercial Representative will be as set out in the Service Order Form and Each Party may update the personal particulars accordingly.

26.2 Each party’s respective Service Representative for a particular Service will be as set out in the Service Order Form and Each Party may update the personal particulars accordingly.

26.3 The parties’ respective Commercial Representatives and Service Representatives (or their delegates) will meet on a quarterly basis to discuss the Services. Via video conference or any such means as agreed by both parties.

27 UNFORESEEABLE EVENTS

27.1 A party shall not be responsible for any delay, interruption or failure that is caused, whether directly or indirectly, by:

(a) the other party, any government agency or a court of competent jurisdiction issuing any order, directive or instruction which affects the first party’s performance of such obligations;

(b) the other party failing, neglecting or omitting in performing its obligations under this Agreement, including performing its responsibilities in accordance with the Agreement in an efficient and timely manner; or

(c) the occurrence of a Force Majeure Event,

which has a material impact on the performance of the relevant obligations of the first party.

27.2 If such an event occurs, the first party must:

(a) notify the other party of the delay, interruption or failure;

(b) identify the specific nature of the delay, interruption or failure; and

(c) comply with the reasonable instructions of the other party in relation to the delay, interruption or failure (including any requirement to develop and implement an action plan in relation to that delay, interruption or failure).

28 GENERAL

28.1 Severability: If any illegal, invalid or unenforceable part of the Contract would be legal, valid or enforceable if part of it were removed, we both will negotiate in good faith to change the Contract, so it reflects what we both originally intended as much as possible.

28.2 Survival of Agreement: The Agreement is to be binding upon the parties and their respective successors.

28.3 Waiver: No delay or failure to exercise or enforce any right or provision of the Agreement is considered a waiver of that right unless made in writing.

28.4 Relationship of the parties: The relationship of the Parties shall be as per the terms set out in this Agreement.

28.5 Set-off: Neither party shall be entitled to set off any amount payable under this Agreement unless the Agreement expressly provides otherwise.

28.6 Costs: Each party shall bear its own costs and expenses in connection with this Agreement.

28.7 Making changes to the Agreement: Any changes shall be in writing and executed by both parties.

28.8 Cooperation with third parties: You shall cooperate with, and provide any information requested by, any third parties engaged by Apigate in connection with this Agreement.

29 DEFINED TERMS

The defined terms are as defined in the Defined Terms.pdf

A. DEFINED TERMS

1. "Authorisation" means any approval, consent, exemption, filing, licence, notarisation, permit, permission, registration, clearance, authorisation or waiver however described as required by Law, and any renewal or variation of any of them.

2. “Apigate Group of Companies” means Apigate Sdn Bhd and its subsidiaries, associates and affiliates (including future subsidiaries, associates and affiliates).

3. "Business Day" means:

i. if a place is specified, any day, excluding weekends and public holidays in the specified place; or

ii. if a place is not specified, any day, excluding weekends and public holidays in Kuala Lumpur, Malaysia and/or such place where the applicable Apigate entity is located.

4. "Calculation Period" means the one (1) month period immediately prior to the date on which the earliest event occurred giving rise to the earliest claim, demand or proceeding made or brought by you under or in connection with this Agreement.

5. "Change in Control" means a change in the possession, direct or indirect, of the power to direct or cause the direction of the management and policies of a person or entity, whether through the ownership of securities, by contract, or otherwise.

6. "Confidential Information" means confidential information of a party which relates to the subject matter of this Agreement and includes confidential information relating to the customers, personnel, policies or business strategies of that party and any company within that party’s group of companies, and the terms or conditions upon which the Services are consumed pursuant to this Agreement that is marked as confidential or would normally under the circumstances be considered confidential information of the disclosing party. Confidential Information does not include information that the receiving party already knew, that becomes public through no fault of the receiving party, that was independently developed by the receiving party, that was rightfully given to the receiving party by another party, that was required to be disclosed by Law, court order, governmental authority or the listing rules of any stock exchange of which the receiving party or its related companies are bound.

7. "Contract Price" means the sum of all amounts payable by you to Apigate in accordance with this Agreement in the Calculation Period, less any amounts payable by Apigate to you or any third party in connection with the Services, in the Calculation Period. The amount shall also be adjusted for any applicable taxes or charges levied by Apigate in accordance with this Agreement in the Calculation Period.

8. "Claim" means any claim, demand or proceeding arising out of any cause of action (including breach of contract, tort (including negligence) and any other common law, equitable or statutory cause of action).

9. "Data" means data or information relating to:

i. Apigate or any relevant third party;

ii. operations, facilities, customers, personnel, assets, and programs (including personal information or Personal Data) of Apigate or any relevant third party; or

iii. data or information, in any format whatever, generated, stored, processed, retrieved, printed or produced by you or on your behalf utilising such data or information referred to in (i) and/or (ii) above.

10. "Force Majeure Event" means a circumstance beyond the reasonable control of either or both parties which results in a party being unable to observe or perform on time an obligation under this Agreement. Such circumstances include but shall not be limited to acts of God, lightning strikes, earthquakes, floods, storms, explosions, fires and any natural disaster, acts of war, acts of public enemies, terrorism, riots, civil commotion, malicious damage, sabotage and revolution, embargoes, epidemics, material and adverse changes in the financial and economic situation in the place where such party (which is unable to observe or perform on time the said obligation) is located, as per its address specified in this Agreement, or strikes or other labour disputes.

11. “Incorporated Documents” means the Service Catalogue, Apigate’s Policies, and Rules and any other related documents referred to in this General Terms.

12. "Infringement Claim" means a Claim by any person that:

i. any of the Systems, Materials or Northbound Partner, and all Intellectual Property Rights made available by you in connection with this Agreement;

ii. Apigate's receipt of the Systems, Materials or Northbound Partner and all Intellectual Property Rights made available by you in connection with this Agreement; or

iii. Apigate's or any of its personnel's or sub-licensees' possession of, or use of, or dealings with, in accordance with any rights granted under this Agreement, Systems, Materials or Northbound Partner, and all Intellectual Property Rights made available by you in connection with this Agreement, infringes the Intellectual Property Rights of any third party.

13. "Intellectual Property Rights" shall have the meaning as defined in the Intellectual Property Rights Policy.

14. "Law" means all or any of the following as the context requires:

i. any law, code, decree, statute, regulation, by-law, ordinance or subordinate legislation; and

ii. any Authorisation, guidelines, policies, rules, code of practice, code of conduct and other requirements which is enforceable against a party (as applicable) or which is issued under an instrument referred to in (i) above.

15. "Loss" means all damages, losses, liabilities, costs or expenses arising out of or in connection with:

i. a right under this Agreement;

ii. a cause of action in connection with this Agreement and/or the Services; or

iii. any claims, actions or proceedings brought by any third party,

in each case, including breach of contract, tort (including negligence) and any other available cause of action at Law.

16. "Materials" means literary works or other works of authorship including design, technical, functional, operational or other specifications (including application programming interface and other interface specifications), architecture, standards, rules, regulations, policies, procedures, workflows, software, routines, codes, interfaces, job control and other logs, databases, compilations of data, program listings, software tools, methodologies, processes, scripts, user manuals, reference manuals, reports, plans, drawings and other written documentation and machine-readable text and files.

17. “Northbound Partner” means any entity which has entered into a contract with Apigate in order to subscribe to certain Services.

18. "Personal Data" shall have the meaning as defined in the Personal Data Policy and any other personal data as defined in the Privacy Legislation.

19. “Policies and Rules” refers to including but not limited to Apigate’s code of conduct, policies, specifications, processes, handbooks, instructions and requirements, including those that pertain to technical, functional or operational interface, inter-operability or integration; and relate to the integrity, security, interference, interruption, disturbance or disruption of the Services or ApigateMint Exchange; as amended, supplemented and replaced from time to time by Apigate.

20. “Privacy Legislation” means:

i. the Malaysian Personal Data Protection Act 2010 and the relevant data protection act that applies to you; and

ii. any ancillary rules, guidelines, orders, directions, directives, codes of conduct or other instruments made or issued under any of the legislation referred to above.

21. “Security Measures” means the appropriate technical and organizational security measures to be taken by Apigate, taking into account the nature of processing of the Personal Data to protect the Personal Data against any Loss, misuse, modification, unauthorised or accidental access or disclosure, alteration or destruction, as set out in the Privacy Legislation.

22. “Services” means the service or services, as the case may be, subscribed in a relevant Service Order Form and all applicable Service Catalogue.

23. “Service Order Form” means a form which allows you to subscribe to Services from a particular Southbound / Northbound Partner via the ApigateMint Exchange.

24. “Service Catalogue” means the document whichsets out the details of, and legal terms specific to, each individual Service subscribed by you.

25. “Southbound Partner” means any entity (which includes but not limited to a mobile network operator) which has entered into a contract with Apigate to provide certain Services.

26. "Systems" means telecommunications and computer hardware and software and other applications, tools, programming, interfaces, coding, configurations, hardware, peripheral equipment, networks, communications and other systems, numbering, domain names or electronic addresses, facilities, architectures and other equipment or elements of whatever nature.

27. "Territory" means Malaysia and any other jurisdiction specified as such in the Service Order Form.

1. INTRODUCTION

1.1.Apigate Sdn Bhd (“Apigate") is committed to protect personal data from any loss, misuse, modification, unauthorised or accidental access or disclosure, alteration or destruction.

1.2.We recognise the importance of personal data to our business and the importance of privacy rights to individuals about whom we process personal data. This Policy is intended to assist you to comply with the requirements of the Personal Data Protection Act 2010 (“ PDPA”). This Policy may not be limited to protecting personal data but may also extend to all information which we hold.

1.3.The PDPA includes a number of defined terms which are used in this Policy. These terms are:

i.  ‘personal data’ means information in respect of commercial transactions that relates directly or indirectly to the end customer, who is identified or identifiable from that information or information from which an individual is identifiable or could reasonably be identified (either by itself or in combination with other data) or any network or transaction information and other technical information related or connected to an individual that according to best digital services industry practice should be treated the same as ‘personal data’ or from other information in the possession of Apigate, including any sensitive personal data and expression of opinion;

ii.  ‘processing’ means virtually anything we do with personal data such as collecting, recording, holding or storing the personal data or carrying out any operation or set of operations on the personal data, e.g. organisation, adaptation, alteration, use, disclosure, erasure or destruction;

2. YOUR RESPONSIBILITY

2.1  Personal Data provided by you: In relation to Personal Data provided by you to Apigate in connection with the Services, you warrant and represent to Apigate that you have obtained or have procured sufficient informed consent from each relevant individual in order for:

(a)  Apigate;

(b) any Southbound/Northbound Partner of the Services; and

(c) Apigate's contractors and subcontractors, to collect, use, handle, store, disclose, transfer (collectively known as “Process”) the Personal Data in accordance with the ApigateHub General Terms.

2.2  Personal Data Processed by Apigate: In respect of the Personal Data provided by you to Apigate, Apigate will:

(a)     Process the Personal Data and use any other information supplied by you solely to provide the Services as specified in the Service Order Form or any related documents;

(b)     comply with, and ensure that the officers, employees, agents, contractors and subcontractors of Apigate comply with the data security obligations and the security measures, and immediately notify you of any breach upon becoming aware of such breach;

(c)     ensure that the accuracy of the Personal Data received continues to be maintained;

(d)     immediately forward to you communications from the relevant individuals, regulatory bodies, law enforcement authorities and other third parties concerning requests for access to, or disclosure of, the Personal Data and not respond to or act on such communications without your prior consent, unless otherwise required by Law; and

(e)     on request or on the expiry of this Agreement, delete or return all existing copies of the Personal Data to you, unless otherwise required by Law.

2.3  Apigate appointing a contractor or subcontractor: Where Apigate appoints a contractor or subcontractor to assist in providing the Services and such assistance includes the Processing of Personal Data on your behalf, then, subject always to compliance with this data protection term by Apigate and the contractor or subcontractor, you hereby grant to Apigate a delegated authority to appoint such contractor or subcontractor to process Personal Data.

2.4  Personal Data provided to you: To the extent that Personal Data is provided to you by Apigate or the relevant parties in connection with the Services, you must:

(a) only process such Personal Data to the extent necessary to receive the Services or otherwise to comply with the Law;

(b) comply with the privacy legislation, and not do any act or engage in any practice that would breach any Privacy Legislation, or do any act or engage in any practice which would cause Apigate or the Relevant Parties to breach any Privacy Legislation; and

(c)ensure that sufficient technical and organisational security measures are adopted in relation to the Personal Data, including such measures to protect Personal Data from any loss, misuse, modification, unauthorised or accidental access or disclosure, alteration or destruction.

Information required for invoicing or audit purposes relating to this Agreement may be retained in accordance with any requirements of applicable Law.

1. INTRODUCTION

1.1.  Apigate Sdn Bhd (“Apigate") is committed to protect the Intellectual Property Rights from any loss, misuse, modification, unauthorised or accidental access or disclosure, alteration or destruction.

1.2.  We recognise the importance of the Intellectual Property Rights to our business and this Policy is intended to assist you to comply with the requirements of the Intellectual Property.

1.3.  This policy includes the defined terms as follow s: 

Intellectual Property Rights means all present and future intellectual property rights, including:

(a)   patents, copyright, circuit layout rights, registered designs, trademarks, business names, product names, and any right to have Confidential Information kept confidential; and

(b)  any application or right to apply for registration of any of the rights referred to in (a) above.

2. YOUR RESPONSIBILITY   

2.1.  IPR ownership: You acknowledge that you will not acquire any Intellectual Property Rights residing or subsisting in, or other rights or ownership in relation to, any Data under or in connection with the Service except as expressly provided otherwise.

2.2.  No other IPR ownership: Except as otherwise set out in the ApigateHub General Terms or the Service Order Form, neither party shall receive any right, title or interest in respect of any Intellectual Property Rights owned or made available by or on behalf of the other party in connection with the Service.

2.3.  Grant of rights, consents and licences by you : You shall grant and/or procure from any relevant third parties (for example, your licensors), all necessary rights, consents and licences as may be required by Apigate to the extent necessary:

(a)  to enable Apigate to provide you with the Services for your consumption and use thereof as contemplated by the ApigateHub General Terms or the Service Order Form; and  

(b)  otherwise for Apigate to exercise its rights and perform its obligations under the ApigateHub General Terms or the Service Order Form which shall include but not limited to the following:

(i) a non-exclusive, world-wide, royalty-free, non-transferable licence (which is only revocable on termination or expiry of the Services in accordance with the provisions contained in the ApigateHub General Terms) to use the Systems, Data and Materials made available by you; 

(ii)to interface with your Systems; and

(iii) to use, copy, modify, perform, display, execute, install and distribute any Intellectual Property Rights owned or made available by or on behalf of you in connection with this Agreement or any of the Services (including, marketing the Services and/or identifying you as the receiver of the Services), subject to your branding guidelines.

3. Rights, consents and licences extended to other parties : You acknowledge that such rights, consents and licences contemplated under this policyshall also be extended to other relevant third parties (for example, Apigate’s contractors, subcontractors, infrastructure or software providers and other parties involved in the provision of the ApigateHub Exchange and Services).

4. Third party’s licence: Where it is necessary for you to procure a licence from a third party, the terms and conditions of that licence will apply to the extent that those terms and conditions are set out in the ApigateHub General Terms or the Service Order Form or in a separate licence agreement between Apigate and the relevant third party.

5. Grant of rights, consents and licences by Apigate: Apigate hereby grants to you :

a.  A non-exclusive, royalty-free, non-transferable licence (which is revocable if Apigate has suspended or terminated the ApigateHub Exchange or the Services (in whole or part) pursuant to the ApigateHub General Terms) in the Territory to interface with the ApigateHub Exchange; and

b.  The right to use Apigate’s and its licensors’ Intellectual Property Rights to the extent provided by Apigate and relating to the ApigateHub Exchange for the exercise of your rights and the performance of your obligations under this Agreement, including marketing the Services and/or identifying Apigate as the provider of the Services or the ApigateHub Exchange, subject to Apigate’s branding guidelines.

6. Open source software: The ApigateHub Exchange contains certain components which are third party open source components ("OS Software"). The OS Software distributed under the Licence is distributed on an "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. Apigate excludes all liability to you for any and all losses (including direct, indirect and consequential damages) caused by or in connection with your use of the OS Software. Please refer to the Licence for the specific language governing permissions and limitations under the Licence. 

7. No registration of IPR: Each party must ensure that the other party (including any third parties acting on its behalf):

(a) do not, register or take steps to register, any Intellectual Property Rights owned by the other party; and

(b)    except as expressly set out in this provision titled “Intellectual Property Rights”, do not, without the prior written consent of the other party, use any Intellectual Property Rights owned by that party.

9. Goodwill: All goodwill resulting from any use of a party's name, brand, logo, trade mark, trade name, business name, product name or other mark shall accrue only to that party.

10.IPR ownership notices: Each party shall ensure that each copy of any Materials provided to it by or on behalf of the other party under or in connection with this Agreement at all times bears any copyright, trade mark, confidentiality and other notices that appear on those Materials as provided to that party by or on behalf of the other party.