Terms of Use

1.1. These Terms are entered into between you (the "User" or "Client") and Yumi Labs Pte. Ltd., a company incorporated under the laws of Singapore, UEN 202541689D, with its registered office at 139 Cecil Street, #03-10, YSY Building, Singapore 069539 ("Dash", "we", "us").

1.2. Use of the site or any Service constitutes full and unconditional acceptance of these Terms. If any provision is unacceptable to you, stop using the site and the Services.

1.3. Additional agreements apply to specific Services (including factoring agreements, commercial agency agreements, service agreements and others), entered into with the User individually. In case of conflict between these Terms and an additional agreement, the latter prevails for the relevant Service.

2.1. The Services are trade finance tools and services, including without limitation: non-recourse factoring, working capital financing, international corporate payments, market analytics and related services.

2.2. The Services are provided to the Client by Yumi Labs Pte. Ltd. directly or through authorized partners, agents, payment and collection agents and other third parties appointed by Dash under the relevant agreements, including agency agreements. Dash is responsible for the acts of engaged partners to the extent and in the manner set by applicable law and the relevant agreements.

2.3. Dash may at its discretion modify, suspend or discontinue individual Services, or introduce new ones, with reasonable notice to the Client.

3.1. The Services are intended solely for legal entities and sole proprietors. Individuals acting for personal purposes are not Dash Clients.

3.2. Any person signing documents or confirming use of the Services on behalf of the Client represents that they are duly authorized to do so.

3.3. Before the Services are provided, the Client completes KYC, sanctions screening, beneficial owner checks and other procedures required by applicable law and Dash's internal policies. Dash may refuse to provide the Services or terminate them at any time for any lawful reason, without explanation.

4.1. The Client is responsible for safeguarding credentials and devices used to access the Services, and for all activity on its account.

4.2. The Client will promptly notify Dash of any unauthorized access, lost credentials or suspicion thereof at mikhail@yumi.finance.

5.1. Dash's fees (discount, commission, interest rate, FX margin and other charges) are set individually per deal and disclosed to the Client before confirmation.

5.2. Confirmation of a deal or use of a financed Service constitutes unconditional acceptance of the applicable fees. Dash charges no fees beyond those expressly disclosed before confirmation.

5.3. Settlement under the Services may be handled through payment and collection agents appointed by Dash. Agent details are communicated to the Client under the relevant agreement.

6.1. The trydash.xyz website, trademarks, logos, software, design, text and graphic materials and other content belong to Yumi Labs Pte. Ltd. or its licensors and are protected by intellectual property law.

6.2. Nothing in these Terms transfers or may be construed as transferring any rights to Dash's intellectual property. Any use of materials beyond what these Terms permit requires Dash's prior written consent.

7.1. The Client will not use the Services for purposes contrary to applicable law, including: violations of sanctions law, money laundering, terrorism financing, fraud, tax evasion, or transactions involving goods and services prohibited by Dash's policies.

7.2. Upon detection of such circumstances, Dash may immediately suspend or terminate the Services, block the account and notify competent authorities as required by applicable law.

Personal data is processed in accordance with the Privacy Policy, which forms an integral part of these Terms.

9.1. The Services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Dash makes no express or implied warranties, including warranties of fitness for a particular purpose, uninterrupted operation, error-free service or security.

9.2. Dash is not responsible for acts or omissions of the Client's counterparties (buyers, suppliers, recipient banks), including delays or defaults.

10.1. To the fullest extent permitted by law, Dash's aggregate liability to the Client on all grounds related to these Terms and the Services is limited to the fees actually paid by the Client to Dash during the twelve (12) months preceding the claim.

10.2. Dash is in no event liable for lost profits, indirect, incidental, punitive or consequential damages, even if advised of their possibility.

11.1. The Client may stop using the Services at any time without cause, by written notice to Dash.

11.2. Dash may suspend or terminate access to the Services if the Client breaches these Terms or an additional agreement, if a risk to Dash, its partners or other Clients is identified, or as otherwise required by applicable law.

11.3. Provisions that by their nature should survive termination (including liability, confidentiality and governing law) remain in effect.

12.1. These Terms are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to conflict of laws rules.

12.2. All disputes, controversies or claims arising out of or in connection with these Terms are subject to final resolution in the courts of the Republic of Singapore, unless mandatory applicable law provides otherwise.

13.1. Dash may unilaterally amend these Terms. The current version is posted at trydash.xyz.

13.2. Material changes are communicated to Clients via the site or by email. Continued use of the Services after the changes take effect constitutes acceptance of the updated version.

For any questions related to these Terms, contact: Yumi Labs Pte. Ltd., 139 Cecil Street, #03-10, YSY Building, Singapore 069539, email: mikhail@yumi.finance.