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Terms of Use – TefiGlobal Last updated: October 2025 Welcome to TefiGlobal. By accessing or using our website, products, or services, you agree to comply with and be bound by the following Terms of Use. Please read them carefully. If you do not agree to these terms, please do not use our website or services. 1. Definitions “TefiGlobal”, “we”, “our”, or “us” refers to TefiGlobal and its affiliates. “User”, “you”, or “your” refers to any person or entity accessing or using TefiGlobal’s website or services. “Services” means all websites, applications, software, and other digital services operated by TefiGlobal. 2. Acceptance of Terms By using our website or services, you acknowledge that: You have read and understood these Terms of Use. You are at least 18 years old or have legal capacity to form a binding agreement. You agree to comply with all applicable laws and regulations. We may update or modify these terms at any time. Continued use of our services after changes are posted constitutes your acceptance of the revised terms. 3. Use of Services You agree to use our website and services only for lawful purposes. You must not: Use our services for fraudulent, illegal, or harmful activities. Attempt to access restricted areas or interfere with website functionality. Upload or distribute viruses, spam, or malicious code. Use automated tools (e.g., bots, crawlers) without prior written consent. TefiGlobal reserves the right to suspend or terminate access to anyone violating these terms. 4. Accounts and Registration Some features may require creating an account. You agree to: Provide accurate, up-to-date information. Keep your login credentials confidential. Be responsible for all activities under your account. If we detect unauthorized access or misuse, we may suspend or delete your account without notice. 5. Intellectual Property Rights All content on TefiGlobal’s websites — including logos, text, graphics, images, software, and code — is the exclusive property of TefiGlobal or its licensors and is protected by copyright, trademark, and international IP laws. You may not: Copy, reproduce, distribute, or modify any content without our written consent. Use TefiGlobal’s trademarks or brand elements for any purpose without permission. You are granted a limited, non-exclusive, non-transferable license to access and use our website for personal or internal business purposes. 6. Third-Party Links and Services Our site may contain links to third-party websites or services that are not operated by TefiGlobal. We are not responsible for their content, policies, or practices. Use of those sites is at your own risk and subject to their own terms and conditions. 7. Limitation of Liability To the maximum extent permitted by law, TefiGlobal and its affiliates shall not be liable for: Any indirect, incidental, or consequential damages; Loss of profits, revenue, or data; Any claim arising from your use of (or inability to use) our website or services. You use our services “as is” and “as available” without warranties of any kind, express or implied. 8. Indemnification You agree to defend, indemnify, and hold harmless TefiGlobal and its partners, employees, and affiliates from any claims, damages, liabilities, or expenses arising from: Your use of our services, Your violation of these Terms, or Your infringement of any rights of a third party. 9. Termination TefiGlobal may suspend or terminate your access at any time, without notice, for: Violating these Terms, Engaging in illegal or fraudulent activity, or Causing harm to other users or to TefiGlobal’s reputation. Upon termination, your right to use our services immediately ceases. 10. Privacy Your use of our services is also governed by our Privacy Policy . By using our services, you consent to the collection and use of your data as described there. 11. Governing Law These Terms shall be governed by and construed in accordance with the laws of Singapore (or another applicable jurisdiction if specified in a contract). Disputes arising under these Terms shall be resolved in the competent courts of that jurisdiction. 12. Contact Us If you have any questions about these Terms of Use, please contact: TefiGlobal Legal Department 📧 Email: contact@tefiglobal.com 🌐 Website: www.tefiglobal.com