Smart Corporate Operations, Transactions & Integrated Access

Last updated: June 24, 2025

1. Introduction

Welcome to SCTOBOnline ("we", "our", or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, and share your personal information when you use our services.

2. Information We Collect

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

The personal information we collect may include the following:

• Personal Identifiers: Name, email address, phone number, company name
• Financial Information: Bank account details, transaction history
• Technical Data: IP address, browser type, operating system
• Usage Data: Information about how you use our platform

3. How We Use Your Information

We use personal information collected via our Services for a variety of business purposes described below:

• To provide and operate our Services
• To manage your account and provide customer support
• To process transactions and send transaction notifications
• To send administrative information to you
• To deliver targeted advertising to you
• For security and fraud prevention

4. Sharing Your Information

We may share your information in the following situations:

• With Service Providers: We may share your data with third-party vendors who perform services for us
• Business Transfers: We may share or transfer your information in connection with any merger or sale of company assets
• With Affiliates: We may share your information with our affiliates
• With Business Partners: We may share your information with our business partners

5. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please remember that no method of transmission over the Internet, or method of electronic storage is 100% secure.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access and receive a copy of your personal data
• The right to request correction of your personal data
• The right to request deletion of your personal data
• The right to object to processing of your personal data

If you have questions or comments about this policy, you may email us at [email protected].

Effective Date: June 24, 2025

1. Acceptance of Terms

By accessing or using the SCTOBOnline platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not access or use the Service.

2. Description of Service

SCTOBOnline provides a smart online platform for corporate clients to manage operations, transactions, and integrated access ("Service"). The Service includes web-based tools, mobile applications, and related services.

3. User Accounts

To access certain features of the Service, you must register for an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Be responsible for all activities that occur under your account

4. Use of the Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

• In any way that violates any applicable law or regulation
• For the purpose of exploiting, harming, or attempting to exploit or harm minors
• To transmit any advertising or promotional material without our prior written consent
• To engage in any other conduct that restricts or inhibits anyone's use of the Service

5. Intellectual Property Rights

The Service and its entire contents, features, and functionality are owned by SCTOBOnline and are protected by copyright, trademark, and other laws. You are granted a limited license to access and use the Service for your business purposes.

6. Payment Terms

Certain features of the Service may require payment of fees. You agree to pay all applicable fees as described on the Service. Fees are non-refundable except as required by law or as otherwise specifically permitted in these Terms.

7. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

8. Limitation of Liability

In no event will SCTOBOnline be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on this page.