Website Terms of Use

Governs your access to and use of www.victoryconquest.com and each of its sub-pages. Version 1.0 — effective 10 September 2026.

1. About these Terms

1.1 These Website Terms of Use (the “Terms”) govern your access to and use of the website located at www.victoryconquest.com and each of its sub-pages, together with any successor or associated marketing website operated by us (the “Website”).

1.2 The Website is operated by Victory Conquest Holdings Pte. Ltd., a company incorporated in the Republic of Singapore with Unique Entity Number 202408277H and having its registered office at 10 Anson Road, #31-10, International Plaza, Singapore 078803 (“VCH”, “we”, “us” or “our”).

1.3 VCH is the holding company of the Victory Conquest group of companies (the “Group”). VCH does not itself provide, and does not directly or indirectly promote, any financial service. All regulated financial services referred to on the Website are provided exclusively by the licensed or registered operating subsidiaries identified in Clause 4, each of which contracts with its clients under its own separate terms.

1.4 By accessing, browsing or otherwise using the Website you agree to be bound by these Terms. If you do not agree to these Terms, you must cease using the Website immediately.

1.5 These Terms govern your use of the Website only. They do not create, and must not be read as creating, any client, customer, agency, fiduciary, partnership or joint venture relationship between you and VCH or any Group entity, and they do not entitle you to receive any service.

2. Definitions and interpretation

2.1 In these Terms:

“Digital Asset” means a digital representation of value that can be digitally traded or transferred and used for payment or investment purposes, including cryptocurrencies and stablecoins, and excludes fiat currency, central bank digital currencies and securities.

“Group Entity” means VCH and any subsidiary or affiliate under the control of VCH from time to time, including each entity identified in Clause 4.

“On-Ramping and Off-Ramping” means the exchange of fiat currency for Digital Assets and the exchange of Digital Assets for fiat currency respectively.

“Payment Services” means cross-border remittance, money transfer, foreign exchange, virtual account and payment intermediary services provided by the Group Entities identified in Clause 4.1.

“Platform” means any client portal, application programming interface, mobile application or trading platform operated by a Group Entity, including the Quest Transfer platform and mobile application and the Quest OTC platform, in each case accessible through a link on the Website.

“Restricted Person” has the meaning given in Clause 6.3.

“Service Terms” means the terms and conditions, master agreement, customer registration form, service agreement, risk disclosure statement or other contractual documentation under which a Group Entity provides Payment Services or Digital Asset services to a client.

“you” means the person accessing or using the Website, and includes any entity on whose behalf that person acts.

2.2 In these Terms: (a) headings are for convenience only and do not affect interpretation; (b) “including” and “includes” mean including or includes without limitation; (c) the singular includes the plural and vice versa; and (d) a reference to a statute or regulation includes that statute or regulation as amended, consolidated or replaced from time to time.

2.3 These Terms are drafted and executed in the English language. Any translation is provided for convenience only, and in the event of any inconsistency the English version prevails.

3. The Website is information only — no offer, no solicitation, no advice

3.1 The Website is an informational and corporate marketing resource. Nothing on the Website constitutes, or is to be construed as:

• (a) an offer, invitation, inducement or solicitation to buy, sell, subscribe for or deal in any financial product, financial instrument, security, Digital Asset, currency or other asset;
• (b) an offer to provide, or a commitment to provide, any Payment Service, On-Ramping or Off-Ramping service or any other regulated financial service to any person;
• (c) financial, investment, legal, accounting, tax or other professional advice, or a personal recommendation of any kind; or
• (d) a representation that any product, service, corridor, currency or Digital Asset described on the Website is available to you, in your jurisdiction, or on the terms described.

3.2 No Group Entity considers your objectives, financial situation or needs when publishing content on the Website. You must obtain your own independent professional advice before making any financial decision.

3.3 Services are provided only following completion of onboarding, customer due diligence and the execution or acceptance of the relevant Service Terms with the relevant contracting Group Entity. The Group Entities reserve the absolute discretion to decline to onboard any person or to decline to provide any service, without giving reasons.

3.4 Statements on the Website as to the number of jurisdictions, corridors, payout destinations, currencies or processing speeds are indicative descriptions of the Group’s aggregate capability. They are not service level commitments and are not binding. Service levels, where offered, are set out exclusively in the applicable Service Terms.

4. Group structure, contracting entities and regulatory status

4.1 Payment Services. Payment Services are provided by the following Group Entities under the licences and registrations shown:

4.2 Digital Asset On-Ramping and Off-Ramping. Digital Asset services, including On-Ramping, Off-Ramping and over-the-counter Digital Asset trading under the Quest OTC brand, are provided by the following Group Entities under the licences and registrations shown:

4.3 Identification of your contracting entity. The Group Entity that will contract with you is determined by the service you request, your jurisdiction of residence or incorporation, and the outcome of onboarding. Your contracting entity will be identified expressly in your Service Terms. No other Group Entity is a party to, or liable under, those Service Terms unless expressly named in them.

4.4 Scope of authorisation. Each licence and registration listed in Clauses 4.1 and 4.2 authorises the holder to carry on only the activities specified in that licence or registration, in or from the jurisdiction that issued it. No licence or registration listed above should be read as authorising any activity beyond its stated scope or as authorising any other Group Entity. In particular:

• (a) VCA is registered with AUSTRAC as a remittance service provider. VCA does not hold an Australian Financial Services Licence and does not provide financial product advice, deal in financial products or provide any other financial service requiring an AFSL.
• (b) VCH is a holding company only and holds no financial services licence or registration in Singapore or elsewhere.
• (c) Registration with AUSTRAC or FINTRAC is a registration for anti-money laundering and counter-terrorism financing purposes. It does not constitute approval, endorsement or prudential supervision of the registrant, its business, its systems or the merits of any product or service, and neither AUSTRAC nor FINTRAC guarantees or warrants any obligation of any Group Entity.
• (d) VCG’s licence is issued by the Administrator of the Kutaisi Free Industrial Zone and authorises the licensed activities on the terms of that licence. Where an activity may under Georgian law be carried out only on the basis of a further licence, permit or authorisation issued by a competent national authority, that activity is carried out only from the date the relevant national authorisation is obtained.

4.5 The Group also includes Quest OTC sp. z o.o., a virtual asset service provider entered in the register held by the Director of the Inland Revenue Administration Chamber in Katowice, Poland under No. RDWW-1481, and other non-regulated support entities. Those entities do not contract with clients through the Website.

4.6 We may update Clauses 4.1 to 4.5 at any time to reflect changes in the Group’s licences, registrations and corporate structure. The Website’s Compliance and Licensing section contains the Group’s current published regulatory disclosure and prevails over any inconsistent statement elsewhere on the Website.

5. Relationship between these Terms and the Service Terms

5.1 These Terms govern the Website. They do not govern the provision of any service.

5.2 If you are onboarded as a client of a Group Entity, the relationship between you and that entity is governed by the applicable Service Terms, which may include a services agreement, customer registration form, risk disclosure statement, privacy notice and schedules.

5.3 Order of precedence. In the event of any conflict or inconsistency between these Terms and any Service Terms, in relation to the subject matter of the services, the Service Terms prevail. These Terms continue to govern your use of the Website.

5.4 Access to a Platform through a link on the Website is governed by the Service Terms and any platform-specific terms applicable to that Platform, and not by these Terms.

5.5 Registration through the Website. Where the Website permits you to begin registration or onboarding for a service, submitting a registration constitutes an application only. It does not create a contract, an account or any entitlement to a service. A contract is formed only when the relevant contracting Group Entity accepts your application, following completion of customer due diligence under Clause 7, and you have accepted the applicable Service Terms. The contracting entity may decline any application in its absolute discretion and without giving reasons.

5.6 Before accepting any Service Terms you should read them, together with any applicable risk disclosure statement, fee schedule and privacy notice. You will be given the opportunity to review and accept those documents before any service is provided, and you should not proceed unless you understand and agree to them.

6. Eligibility, jurisdictional restrictions and sanctions

6.1 Age and capacity. The Website and the Group’s services are intended for persons aged 18 years or over (or such higher age as applicable local law requires) who have the legal capacity to enter into binding contracts. If you are acting for an entity, you warrant that you are authorised to bind that entity.

6.2 Jurisdictional restriction. The Website is not directed at, and the information on it is not intended for distribution to or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation, or would subject any Group Entity to any registration, licensing or authorisation requirement in that jurisdiction. Persons who access the Website do so on their own initiative and are responsible for compliance with the laws of their own jurisdiction.

6.3 Sanctions. You must not access or use the Website, and no Group Entity will provide any service to you, if you are a person who is:

• (a) located, ordinarily resident, incorporated or established in a jurisdiction subject to comprehensive sanctions or trade embargo, or in a jurisdiction on the Group’s prohibited countries list from time to time; or
• (b) designated on, or owned or controlled by a person designated on, any sanctions, asset-freezing or restricted-party list administered or enforced by the United Nations, the European Union, the United States of America, the United Kingdom, Australia, Canada, the Republic of Mauritius, the Republic of Georgia, the Republic of Singapore or any other competent authority,

(each a “Restricted Person”).

6.4 By using the Website you represent that you are not a Restricted Person. We may block, restrict or terminate your access to the Website at any time where we have reason to believe this Clause 6 is or may be breached, and may report the matter to any competent authority.

7. Anti-money laundering and customer due diligence

7.1 Each Group Entity is subject to anti-money laundering, counter-terrorism financing, sanctions and financial crime obligations in each jurisdiction in which it is licensed, registered or otherwise carries on business. These include, without limitation:

• (a) Australia — the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the Anti-Money Laundering and Counter-Terrorism Financing Rules made under it;
• (b) Canada — the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (S.C. 2000, c. 17) and the regulations made under it;
• (c) Mauritius — the Financial Intelligence and Anti-Money Laundering Act 2002 and the Financial Intelligence and Anti-Money Laundering Regulations 2018;
• (d) Georgia — the Law of Georgia on Facilitating the Prevention of Money Laundering and the Financing of Terrorism;
• (e) Poland and the European Union — the Act on Counteracting Money Laundering and Terrorist Financing of 1 March 2018 and the anti-money laundering directives of the European Union as implemented in Poland; and
• (f) Hong Kong — the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615), the Organized and Serious Crimes Ordinance (Cap. 455), the Drug Trafficking (Recovery of Proceeds) Ordinance (Cap. 405) and the United Nations (Anti-Terrorism Measures) Ordinance (Cap. 575), which apply to Victory Conquest HK Limited upon the grant of the licence referred to in Clause 4.1.

7.2 The list in Clause 7.1 is not exhaustive and is not a statement of the only laws that apply. Each Group Entity is also bound by every other anti-money laundering, counter-terrorism financing, sanctions, proceeds of crime, tax transparency and financial crime law applicable to it from time to time, including any such law that first becomes applicable to a Group Entity on the grant, variation or renewal of a licence or registration after the date of these Terms.

7.3 Accordingly, before any service is provided, and on an ongoing basis, the relevant Group Entity will conduct identity verification, customer due diligence, source of funds and source of wealth enquiries, sanctions and politically exposed person screening, and (for Digital Asset services) blockchain analytics and wallet screening.

7.4 A Group Entity may refuse, delay, suspend, freeze or reverse any onboarding, account or transaction, and may make a report to a financial intelligence unit or other competent authority, where required or permitted by applicable law. Where the law prohibits disclosure, no Group Entity will be able to inform you of the reason for such action, and no Group Entity is liable to you for any loss arising from action taken in good faith to comply with applicable law.

8. Digital Asset risk disclosure

8.1 This Clause 8 is important. Read it carefully. Digital Assets and On-Ramping and Off-Ramping services carry substantial risk. Nothing on the Website is a recommendation to acquire, hold or dispose of any Digital Asset.

8.2 Without limitation, you acknowledge that:

• (a) Volatility. The value of Digital Assets is highly volatile and may fall to zero. Past performance is not a reliable indicator of future performance.
• (b) Not legal tender; not a deposit. Digital Assets are not legal tender in Australia, Canada, Mauritius, Georgia or Singapore, are not backed by any government, and are not deposits or bank accounts.
• (c) No deposit insurance or investor compensation. Digital Assets and fiat balances held in connection with the Group’s services are not protected by the Canada Deposit Insurance Corporation, the Australian Government Financial Claims Scheme, any Mauritian or Georgian deposit guarantee scheme, or any investor compensation, financial ombudsman or statutory compensation arrangement, except where expressly stated in the applicable Service Terms.
• (d) Irreversibility. Digital Asset transactions are generally irreversible once recorded on the relevant distributed ledger. An incorrect wallet address, network selection or memo/tag may result in permanent and unrecoverable loss.
• (e) Technology risk. Distributed ledger networks are subject to congestion, forks, chain reorganisations, protocol changes, smart contract defects, oracle failures and consensus attacks, any of which may cause delay or loss.
• (f) Stablecoin risk. A stablecoin may depeg from its reference asset. The Group does not issue, guarantee or underwrite any stablecoin and gives no assurance as to the reserves, solvency or redemption capability of any issuer.
• (g) Counterparty and custody risk. Where custody, wallet or settlement infrastructure is provided by a third party, you are exposed to the credit, operational, insolvency and cyber-security risk of that third party.
• (h) Liquidity and execution risk. Quoted prices are indicative until an order is accepted and confirmed in accordance with the applicable Service Terms. Market conditions may prevent execution at any particular price or at all.
• (i) Regulatory risk. The regulatory treatment of Digital Assets is evolving. Changes in law, regulation or regulatory policy in any jurisdiction may restrict, suspend or prohibit the Group’s ability to provide Digital Asset services, or your ability to hold or transfer Digital Assets, at short notice or without notice.
• (j) Tax. You are solely responsible for determining and discharging any tax liability arising from your dealings in Digital Assets or from any transaction you enter into with a Group Entity.

8.3 You should not deal in Digital Assets unless you understand the risks and are able to bear the total loss of the amounts involved.

8.4 The full risk disclosure applicable to Digital Asset services is set out in the risk disclosure statement forming part of the relevant Service Terms. That document, and not this Clause 8, governs the contractual position between you and the contracting Group Entity.

9. Payment Services — nature and limits

9.1 The Payment Services are payment, remittance, foreign exchange and payment intermediary services. No Group Entity is a bank, and no Group Entity carries on banking business, takes deposits or carries on a deposit-taking business in Australia, Canada, Mauritius, Georgia or Singapore.

9.2 Funds received by a Group Entity in connection with a payment or remittance instruction are held for the purpose of executing that instruction and any onward settlement, in accordance with the applicable Service Terms and the safeguarding requirements of the relevant jurisdiction. No interest accrues to you on such funds unless expressly agreed in writing.

9.3 Exchange rates, fees and estimated delivery times displayed on the Website or on any Platform are indicative only until a transaction is confirmed in accordance with the applicable Service Terms. Rates are subject to market movement, and delivery times depend on correspondent banks, payout partners, network availability and applicable cut-off times, which are outside the Group’s control.

9.4 Where the Group relies on third-party banking partners, correspondent institutions, payout partners or settlement providers, the Group is not responsible for the acts, omissions, insolvency, compliance decisions or service interruptions of those third parties, save to the extent provided in the applicable Service Terms.

10. Permitted use of the Website

10.1 Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable and non-sublicensable licence to access and view the Website for your own personal or internal business information purposes.

10.2 You must not, and must not permit any person to:

• (a) use the Website for any unlawful, fraudulent or deceptive purpose, or in breach of these Terms;
• (b) copy, reproduce, republish, frame, mirror, scrape, harvest, index, download, distribute, sell, license or otherwise commercially exploit any part of the Website or its content, except as expressly permitted by Clause 11.3;
• (c) use any robot, spider, crawler, automated agent or data-extraction tool on the Website, or use the Website or its content to train, fine-tune or develop any machine learning or artificial intelligence model, without our prior written consent;
• (d) attempt to gain unauthorised access to the Website, any Platform, any server or any account, or probe, scan or test the vulnerability of any Group system, or circumvent any authentication, access control or rate-limiting measure;
• (e) introduce or transmit any virus, worm, trojan, logic bomb, ransomware or other malicious code, or take any action that imposes an unreasonable or disproportionate load on the Website’s infrastructure, including any denial-of-service attack;
• (f) impersonate any person, misrepresent your affiliation with any person, or submit false, misleading or unlawful information through any contact, enquiry or registration form on the Website;
• (g) use the Website to send unsolicited commercial communications; or
• (h) remove, obscure or alter any copyright, trade mark, regulatory disclosure or other proprietary notice on the Website.

10.3 Any information you submit through a contact or enquiry form on the Website must be accurate and complete. Submitting an enquiry does not create any contractual relationship and does not oblige any Group Entity to respond or to provide any service.

11. Intellectual property

11.1 The Website and all content on it, including text, graphics, logos, icons, images, audio and video, software, page layout, design and the compilation and arrangement of the foregoing, is owned by or licensed to VCH or another Group Entity and is protected by copyright, trade mark and other intellectual property laws.

11.2 “Victory Conquest”, “Quest Transfer”, “Quest OTC”, the Victory Conquest logo and associated marks are trade marks of the Group, whether registered or unregistered. No right or licence to use any Group trade mark is granted by these Terms or by your use of the Website.

11.3 You may print or download extracts from the Website for your own personal or internal business reference, provided you do not modify them and you retain all proprietary notices. All other rights are reserved.

11.4 Third-party names, logos and marks appearing on the Website, including those of partners, service providers and financial institutions, are the property of their respective owners. Their appearance does not imply any endorsement, sponsorship, affiliation or partnership beyond any relationship expressly described on the Website, and does not constitute a representation that any such relationship remains current.

11.5 If you send us any idea, suggestion, feedback or other material relating to the Website or the Group’s services, you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use it without restriction and without obligation to you.

12. Third-party links and content

12.1 The Website may contain links to third-party websites, applications, plug-ins and resources, including links to the Platforms and to third-party service providers. Those links are provided for convenience only.

12.2 We do not control, endorse, verify or assume responsibility for the content, products, services, security or privacy practices of any third-party site or resource. Your use of any linked site is at your own risk and is subject to that site’s own terms and privacy policy.

13. Availability and security

13.1 We do not warrant that the Website will be available uninterrupted, timely, secure or error-free, that defects will be corrected, or that the Website or the server that makes it available is free from viruses or other harmful components.

13.2 We may suspend, withdraw, discontinue or change all or any part of the Website, or restrict its availability to any person, at any time and without notice or liability.

13.3 You are responsible for configuring your own information technology, computer programmes and platform to access the Website and for using your own virus protection.

13.4 Fraud warning. The Group will never ask you, by email, telephone, SMS or messaging application, to send funds or Digital Assets to an address that has not been confirmed through the authenticated channels set out in your Service Terms, and will never ask you for your password, private key or seed phrase. Communications purporting to come from the Group and originating from any domain other than victoryconquest.com should be treated as fraudulent. Report suspected fraud to support@victoryconquest.com immediately.

14. Accuracy of content

14.1 The content of the Website is provided for general information only. Although we take reasonable care in preparing it, we make no representation or warranty, express or implied, that the content is accurate, complete, current or fit for any particular purpose.

14.2 Content may include forward-looking statements as to the Group’s plans, licensing applications, corridors and capabilities. Forward-looking statements are subject to risks and uncertainties, including regulatory outcomes outside the Group’s control, and actual outcomes may differ materially. We undertake no obligation to update any forward-looking statement.

14.3 We may amend, correct or remove any content on the Website at any time without notice.

15. Disclaimers and limitation of liability

15.1 Consumer law carve-out. Nothing in these Terms excludes, restricts or modifies:

• (a) any consumer guarantee, right or remedy under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) that cannot lawfully be excluded, restricted or modified;
• (b) any right or remedy under applicable Canadian federal or provincial consumer protection legislation that cannot lawfully be excluded;
• (c) any right or remedy under the Consumer Protection (Price and Supplies Control) Act of Mauritius or other applicable Mauritian consumer legislation that cannot lawfully be excluded; or
• (d) any other liability that cannot lawfully be excluded or limited under applicable law, including liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence.

Where a non-excludable guarantee applies and the services supplied are not of a kind ordinarily acquired for personal, domestic or household use or consumption, our liability for breach of that guarantee is limited, to the maximum extent permitted by law, to the resupply of the services or the payment of the cost of resupply.

15.2 Exclusion of warranties. Subject to Clause 15.1, the Website and all content on it are provided “as is” and “as available”, and all conditions, warranties, representations, guarantees and terms implied by statute, common law or otherwise are excluded to the maximum extent permitted by law.

15.3 Exclusion of indirect loss. Subject to Clause 15.1, no Group Entity is liable to you for any indirect, consequential, special, punitive or exemplary loss, or for any loss of profit, revenue, business, opportunity, contract, anticipated saving, goodwill, reputation or data, howsoever arising, whether in contract, tort (including negligence), under statute or otherwise, and whether or not foreseeable.

15.4 Cap on liability. Subject to Clause 15.1, the aggregate liability of the Group Entities to you arising out of or in connection with these Terms or your use of the Website is limited to one hundred Singapore dollars (SGD 100). This cap does not apply to, and is separate from, any liability arising under Service Terms, which is governed exclusively by those Service Terms.

15.5 Reliance. Subject to Clause 15.1, no Group Entity is liable for any loss arising from your reliance on any content of the Website, or from any decision made or action taken by you on the basis of that content.

15.6 Clause 15 survives termination of these Terms.

16. Indemnity

16.1 To the maximum extent permitted by law, and subject to Clause 15.1, you indemnify and hold harmless each Group Entity and its directors, officers and employees against all liabilities, losses, damages, costs and expenses (including reasonable legal costs) arising out of or in connection with:

• (a) your breach of these Terms;
• (b) your unlawful or fraudulent use of the Website; or
• (c) your breach of Clause 6 (Eligibility, Jurisdictional Restrictions and Sanctions).

16.2 This Clause 16 does not apply to a person acting as a consumer where and to the extent that applicable consumer protection law prohibits such an indemnity.

17. Privacy and cookies

17.1 Personal data collected through the Website is processed in accordance with the Global Privacy Policy available at www.victoryconquest.com/privacy, which forms part of these Terms by reference.

17.2 The Website uses cookies and similar technologies. The categories of cookies used, and the means by which you may manage your preferences, are described in the Global Privacy Policy.

17.3 Each Group Entity acts as an independent data controller in respect of the personal data it collects. The Group Data Protection Officer may be contacted at pd@victoryconquest.com or at Data Protection Officer, Victory Conquest Group, C2-401, 4th Floor, Grand Baie La Croisette, Grand Baie, Mauritius.

18. Complaints

18.1 Complaints relating to the Website may be sent to support@victoryconquest.com. We will acknowledge your complaint promptly and respond within a reasonable period.

18.2 Complaints relating to a service provided by a Group Entity must be made in the first instance to the contracting entity, in accordance with the complaints procedure in the applicable Service Terms and the customer care and grievance policy of that entity. The contracting entity will acknowledge your complaint and provide a substantive response within the period stated in that policy.

18.3 If your complaint is not resolved to your satisfaction, you retain any right you may have under applicable law to refer the matter to the competent supervisory authority in the relevant jurisdiction, including:

18.4 No Group Entity is a member of an external dispute resolution or financial ombudsman scheme, and referral to a supervisory authority is not a substitute for, and does not confer, any right to compensation. Nothing in this Clause 18 limits any right you have to pursue a claim through the courts or under Clause 21.

19. Changes to these Terms

19.1 We may amend these Terms at any time by publishing the amended Terms on the Website with an updated version number and effective date.

19.2 Amendments take effect from the date of publication. Your continued use of the Website after publication constitutes acceptance of the amended Terms. You should review these Terms each time you use the Website.

19.3 This Clause 19 applies to these Terms only. Amendments to Service Terms are governed by the variation provisions of those Service Terms.

20. Suspension and termination of access

20.1 We may restrict, suspend or terminate your access to the Website at any time, without notice and without liability, where we consider that you have breached these Terms, where required by applicable law or a competent authority, or where necessary to protect the security or integrity of our systems.

20.2 Termination does not affect any accrued right or liability, and Clauses 2, 11, 15, 16, 21 and 22 survive termination.

21. Governing law and dispute resolution

21.1 Governing law. These Terms, and any non-contractual obligation arising out of or in connection with them, are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of laws principles.

21.2 Arbitration. Subject to Clause 21.3, any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of SIAC for the time being in force, which rules are deemed incorporated by reference into this Clause. The seat of the arbitration shall be Singapore. The tribunal shall consist of one arbitrator. The language of the arbitration shall be English.

21.3 Consumer carve-out. If you are an individual acting wholly or mainly outside your trade, business, craft or profession, nothing in Clause 21.2 deprives you of the protection of any mandatory provision of the law of your country of habitual residence, or of your right to bring proceedings in the courts of that country. In that case you may elect to bring proceedings either under Clause 21.2 or in the courts of your country of habitual residence, and the Group Entities may bring proceedings against you only in the courts of your country of habitual residence.

21.4 Injunctive relief. Nothing in this Clause 21 prevents any Group Entity from seeking urgent injunctive or interim relief, or relief to protect its intellectual property or confidential information, from any court of competent jurisdiction.

21.5 Regulatory obligations unaffected. This Clause 21 does not limit or affect any obligation of a Group Entity to a regulator, or any right you have to complain to a regulator or external dispute resolution scheme.

21.6 Service Terms. The governing law and dispute resolution provisions of the applicable Service Terms apply to disputes concerning services, and prevail over this Clause 21 in respect of those disputes.

22. General

22.1 Entire agreement. These Terms, together with the Global Privacy Policy, constitute the entire agreement between you and us in relation to your use of the Website and supersede all prior statements and understandings on that subject.

22.2 Severability. If any provision of these Terms is or becomes invalid, illegal or unenforceable, it shall be severed and the remaining provisions shall continue in full force and effect.

22.3 No waiver. No failure or delay in exercising any right under these Terms operates as a waiver of that right, and no single or partial exercise prevents any further exercise.

22.4 Assignment. You may not assign or transfer any of your rights or obligations under these Terms. We may assign or transfer our rights and obligations to any Group Entity or in connection with a merger, reorganisation or sale of assets.

22.5 Third party rights. Each Group Entity may enforce any provision of these Terms expressed to be for its benefit, including Clauses 11, 15 and 16, under the Contracts (Rights of Third Parties) Act 2001 of Singapore. Save as stated in this Clause 22.5, no person who is not a party to these Terms has any right to enforce any of their provisions. The consent of a third party is not required to vary or rescind these Terms.

22.6 Force majeure. No Group Entity is liable for any failure or delay in the availability of the Website caused by any event beyond its reasonable control.

22.7 Notices. Notices to us under these Terms may be sent to support@victoryconquest.com or to Victory Conquest Holdings Pte. Ltd., 10 Anson Road, #31-10, International Plaza, Singapore 078803.

23. Contact

Victory Conquest Holdings Pte. Ltd.
10 Anson Road, #31-10, International Plaza, Singapore 078803
General enquiries: support@victoryconquest.com
Data protection: pd@victoryconquest.com

Group offices

Version 1.0 — effective 10 September 2026. These Terms supersede all previously published terms and conditions on www.victoryconquest.com.