§ LEGAL · TERMS OF SERVICE

Terms of Service

Effective Date: 1 June 2025  ·  Last Updated: 1 June 2026  ·  Governing Law: International  ·  Operator: DEALEXUS

These Terms of Service ("Terms") govern your access to and use of the DEALEXUS platform, including the deal terminal at dealexus.com/app, all associated APIs, documents, and services (collectively, the "Platform"), operated by DEALEXUS ("we", "us", or "our").

By creating an account, subscribing, or using the Platform in any way, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

1. Nature of the Service

DEALEXUS is a neutral deal orchestration platform for cross-border trade finance instruments including Standby Letters of Credit (SBLC/MT760), Documentary Letters of Credit (DLC/MT700), and MT103 payment instruments. DEALEXUS acts as an independent intermediary — it is not a party to any underlying commercial transaction, does not provide legal advice, and does not guarantee the performance of any counterparty.

DEALEXUS IS NOT A BANK, FINANCIAL INSTITUTION, LAW FIRM, OR REGULATED INVESTMENT ADVISER. Nothing on this Platform constitutes financial, legal, or investment advice. You are solely responsible for your own commercial decisions and for compliance with applicable laws in your jurisdiction.

2. Eligibility

You must:

By registering, you represent and warrant that all information you provide is accurate, complete, and not misleading.

3. Accounts & Access

3.1 Registration

You must register with a valid business email address. Each user account is individual and non-transferable. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account.

3.2 Multi-Factor Authentication

We strongly recommend enabling MFA. Where MFA is available and not enabled, DEALEXUS is not liable for unauthorised access resulting from credential compromise.

3.3 Account Suspension

We may suspend or terminate your account immediately without notice if we reasonably believe you have breached these Terms, engaged in fraud, failed KYC/AML screening, or pose a compliance risk to the Platform or its participants.

4. Subscriptions & Billing

4.1 Plans

Access to the Platform's deal workflow, document generation, and compliance tooling requires an active paid subscription. Subscription tiers, pricing, and included deal quotas are as published on dealexus.com/plans and subject to change with 30 days' written notice.

Founding-member pricing (Access USD 49/user/month; Deal Desk USD 500/user/month) is available to the first 50 desks and, once granted, is locked for 12 months.

4.2 Per-User Pricing

Subscriptions are per user, per month or per year. Each individual participant in a deal (broker, principal, mandate, banker) must hold their own active subscription: brokers and mandates subscribe on Access, principals on Deal Desk. A subscription covers your side of the platform only — counterparties subscribe independently. Brokers and mandates may additionally be charged a commission-escrow fee that applies only on closed deals.

4.3 Deal Overage

If you exceed your plan's included deal quota, additional deals are charged at the overage rate published for your tier. Overage charges are billed monthly alongside your subscription renewal.

4.4 Payment

All payments are processed by Stripe. By subscribing, you authorise Stripe to charge your payment method on a recurring monthly basis until you cancel. All prices are in USD and exclusive of applicable taxes (GST, SST, VAT) unless stated otherwise.

4.5 Cancellation

You may cancel your subscription at any time via the Billing portal in your account. Cancellation takes effect at the end of the current billing period. Access to the Platform continues until the period ends.

5. Refund Policy

ALL SUBSCRIPTION FEES ARE NON-REFUNDABLE. We do not offer refunds, credits, or pro-rata adjustments for partially used subscription periods, unused deal quota, or cancellations mid-cycle. This applies to all plans including trials, overages, and one-time charges.

5.1 Documentation Errors

If a document generated by the DEALEXUS Platform (e.g. NCNDA, DOA, IMFPA, Term Sheet, Bank Submission Package) contains a material error that is solely attributable to a fault in the Platform's template — and not to information you provided — the sole remedy available to you is one (1) replacement document at no charge. No refund, credit, or further compensation will be provided.

5.2 Service Disruptions

Temporary service outages, maintenance windows, or force majeure events do not entitle you to a refund or service credit unless DEALEXUS has expressly published a Service Level Agreement (SLA) applicable to your plan.

5.3 Disputes

All billing disputes must be raised with us in writing at info@dealexus.com within 30 days of the disputed charge. Disputes raised after this period will not be considered.

6. Banking Package & Corporate Invoice Policy

6.1 Bank Acceptance

DEALEXUS prepares banking packages and corporate invoices intended to meet standard banking requirements. However, final acceptance of any banking package or corporate invoice always rests with the relevant financial institution.

No refund, credit, or replacement will be provided where a banking package or corporate invoice is rejected, delayed, or not accepted by a financial institution due to any of the following — regardless of the reason given by the institution:

6.2 Deal Orchestration Services

Deal orchestration services — including deal workspace access, NCNDA execution, DOA, IMFPA, term sheet generation, and compliance workflow — are non-refundable under all circumstances.

6.3 Documentation Error Remedy

If a clear and material error or omission in a banking package or corporate invoice prepared by DEALEXUS directly causes rejection by a financial institution — and that error or omission is not related to KYC, AML, compliance, sanctions, or any decision made by a bank or other third party — DEALEXUS will provide one (1) replacement banking package or corporate invoice for the same deal at no additional charge.

This replacement is provided solely as a service remedy. It cannot be exchanged for a refund, cash, credit, or any other form of compensation. To be eligible, the User must provide the financial institution's written rejection identifying the specific defect in the document. DEALEXUS will determine, acting reasonably, whether the error or omission was material and whether it directly caused the rejection.

6.4 NCNDA Party Limit

Each deal is limited to a maximum of six (6) verified parties listed in the applicable NCNDA. Only parties listed in the NCNDA are recognised under this policy. Any attempt to add, split, or substitute parties beyond this limit will not be recognised or valid.

6.5 Maximum Remedy

The maximum remedy available under this section is one (1) replacement banking package or corporate invoice per eligible issue, for the same deal. No monetary refund, credit, or other compensation is available under any circumstances. This is the full and final resolution available under this policy.

7. Deal Facilitation & Paymaster Role

6.1 Neutral Intermediary

DEALEXUS acts as a neutral intermediary and workflow enforcer. We do not originate deals, provide transaction finance, or act as a principal to any instrument. We facilitate the structured execution of deal documentation and, in Phase 3 (subject to applicable licensing), the settlement of funds via a correspondent banking arrangement.

6.2 Commission Protection

DEALEXUS enforces the commission structure declared in the IMFPA filed on the Platform. The standard split is 45% / 45% / 5% / 5% (Sender Broker / Receiver Broker / Sender Mandate / Receiver Mandate), locked upon signing and not alterable thereafter. Automated release of commissions from neutral paymaster escrow at deal closure (CLOSED status) is a Phase 3 capability, subject to applicable money-services licensing, and is not currently offered — DEALEXUS presently holds no client funds. DEALEXUS is not liable for the failure of any counterparty to perform their underlying obligations.

6.3 No Guarantee of Closure

Subscription fees are charged for platform access, not for deal closure. DEALEXUS does not guarantee that any deal initiated on the Platform will close, that counterparties will perform, or that instruments will be issued by any bank.

6.4 Facilitation Fee (Phase 3)

Upon activation of live SWIFT banking integration, DEALEXUS will charge a deal facilitation fee of 0.5%–1.5% of the settled deal value on each instrument transmitted via the Platform's banking rail. This fee is in addition to (not a replacement of) the subscription fee. The exact rate applicable to your deal will be disclosed at the time of instrument generation and confirmed prior to submission.

8. KYC, AML & Compliance

All users and organisations are subject to Know Your Customer (KYC) and Anti-Money Laundering (AML) screening in accordance with FATF standards and applicable regulations (MAS, HKMA, DIFC/ADGM as applicable). You agree to:

DEALEXUS reserves the right to suspend, reject, or report any deal or user where reasonable grounds for suspicion exist, without prior notice and without liability to you.

9. Non-Circumvention

By using the Platform, all parties to a deal agree to be bound by the NCNDA (Non-Circumvention, Non-Disclosure Agreement) executed digitally at the NCNDA stage of the deal lifecycle. Circumvention of any party introduced through the Platform — including direct contact with counterparties introduced via DEALEXUS for the purpose of bypassing commission obligations — is a material breach of these Terms and the NCNDA. DEALEXUS may pursue legal remedies including injunctive relief and damages on behalf of injured parties.

10. Information Barriers & Confidentiality

The Platform enforces strict information barriers between deal parties. Each party may only access their own deal-side data and the verification status (KYC badge) of counterparties — never their documents, pricing, or confidential information. You must not attempt to circumvent these barriers by any technical or other means. Breach of information barriers is a material breach of these Terms and may constitute a criminal offence under applicable data protection and computer misuse laws.

11. Prohibited Use

You must not use the Platform to:

12. Intellectual Property

All software, templates, workflows, UI designs, deal structures, document frameworks, and brand assets on the Platform are the exclusive property of DEALEXUS and/or its licensors. You are granted a limited, non-exclusive, non-transferable licence to use the Platform for your internal business purposes during the term of your subscription. No other rights are granted. You must not copy, distribute, sublicense, or create derivative works from any Platform content.

13. Limitation of Liability

To the maximum extent permitted by applicable law:

14. Indemnification

You agree to indemnify, defend, and hold harmless DEALEXUS and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from: (a) your use of the Platform; (b) your breach of these Terms; (c) your violation of any applicable law or third-party rights; or (d) any deal you initiate or participate in via the Platform.

15. Governing Law & Dispute Resolution

These Terms are governed by the laws of Singapore. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Singapore, except that DEALEXUS may seek injunctive or interim relief in any competent jurisdiction. Both parties agree to attempt good-faith resolution before initiating formal proceedings.

16. Changes to These Terms

We may update these Terms at any time. Material changes will be notified to you by email or via an in-platform notice at least 14 days before taking effect. Your continued use of the Platform after the effective date constitutes acceptance of the revised Terms. If you do not agree, you must cancel your subscription before the effective date.

17. Termination

Either party may terminate the relationship under these Terms at any time. You may do so by cancelling your subscription and ceasing use of the Platform. We may terminate by giving you 30 days' written notice, or immediately for cause (material breach, fraud, AML/sanctions concern). Upon termination, your licence to use the Platform ceases immediately. Deal data is retained for 7 years in accordance with applicable financial record-keeping requirements.

18. Miscellaneous

19. Contact

For questions about these Terms, billing disputes, or legal notices: