2.1 Third-party services & privacy

The Website and Service(s) may integrate with or link to third-party platforms, tools, or services, which are provided as additional resources for your convenience. Twimbit does not control these third-party services and is not responsible for their practices, which are governed by their own terms and policies. Twimbit does not endorse, sponsor, or accept any responsibility for these third-party websites. You agree to direct any concerns relating to these third-party websites to the relevant website administrator.

2.2 Data sharing for operations, marketing & promotions

Twimbit may collect and share data—such as prompts, chat history, feedback, usage logs, recordings, transcripts, photos or other media—from any Twimbit Service(s) or event. We may disclose it internally to employees, agents or authorized service providers who need it to:

• operate, support and improve the Service(s);
• develop, market or advertise Twimbit products, services, events or roundtables; and
• recommend or cross-sell offerings that may interest you.

External Disclosure: Identifiable media (photos, video or voice recordings) captured at any Twimbit event may be used in Twimbit’s marketing, promotional or advertising materials (e.g. websites, social media, print, presentations, etc.). Your participation in such events constitutes consent to this use.
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All collection, processing and sharing are governed by our Privacy Policy and applicable data-protection laws.

2.3 Data Processing

• Data handling and confidentiality: Where customer information, confidential data, or personal information is shared in connection with the Services, both parties agree to protect such information in accordance with applicable confidentiality obligations and data protection laws. Twimbit processes customer data solely for the purpose of providing and supporting the Services and will not disclose such information to unauthorized third parties except as necessary to operate the Services, comply with legal obligations, or as otherwise permitted under this Agreement. Twimbit implements appropriate technical and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration, or misuse.
• Sub-processor transparency: Twimbit may engage trusted third-party service providers, including infrastructure providers, security monitoring services, analytics tools, and artificial intelligence model providers, to support the operation of the Services.
  Such providers may process limited information solely for the purpose of delivering the Services and are required to maintain appropriate confidentiality and security protections.
• Data retention & exit: Upon termination or expiration of the Agreement: (i) Twimbit will delete or anonymize customer data within sixty (60) days after termination, except where retention is required by applicable law, regulatory obligations, security monitoring, or legitimate business record-keeping purposes; (ii) Certain information may remain in secure system backups for a limited period until automatically overwritten in accordance with Twimbit’s backup and disaster recovery policies; and (iii) Twimbit may retain aggregated or anonymized data that does not identify the customer or individual users for analytics, research, security monitoring, or service improvement purposes.

2.4 Security incidents

• Promptly investigate and take reasonable steps to contain and mitigate the incident;
• Notify the Personal Data Protection Commission (PDPC) and affected individuals in accordance with Singapore’s Personal Data Protection Act 2012 (PDPA) and any applicable guidelines (e.g. within 72 hours of becoming aware of a “notifiable breach”);
  
• Implement corrective measures to prevent recurrence.

3.2 Account security and responsibilities

You are solely responsible for maintaining the confidentiality, security, and proper use of your login credentials, as well as all activity conducted under your account. Twimbit shall not be liable for any loss, liability, or damages resulting from unauthorized use of your account.

Twimbit uses third-party authentication providers to enable secure login and identity verification. Your passwords are not stored by Twimbit. Authentication information is processed solely to provide secure access to the Service(s) and protect account integrity.

Twimbit uses time-limited login sessions for access to the Service(s). Users will be automatically signed out after a defined period of inactivity or session expiry. Users may also manually log out at any time. Session duration and timeout settings may be updated by Twimbit from time to time for security and operational purposes. You are responsible for managing access to all devices associated with your account. If you suspect any unauthorized access or security breach, you must promptly notify Twimbit through the designated support channels. (See Clause 7.1 Support access.)

Twimbit reserves the right to suspend or terminate any account found to be:

• Fraudulent.
• Inactive for a period exceeding twelve (12) consecutive months; and
• In breach of these Terms.

Appeals regarding suspension or termination must be submitted within fifteen (15) business days of notification through the support chat. Twimbit will review such appeals at its sole discretion.

3.3 Acceptable use and prohibited conduct

You agree to use the Service(s) responsibly and in accordance with all applicable laws, and not to engage in any activity that interferes with the operation, security, or integrity of the Service(s). Specifically, you shall not

• Violate any applicable law, regulation, or guideline;
• Generate, post, or share unlawful, harmful, defamatory, or prohibited content;
• Exploit, harm, or attempt to harm minors or vulnerable individuals;
• Disseminate spam, phishing schemes, or malicious software, including viruses, ransomware, or spyware.
• Impersonate any individual or entity, create fake accounts, or engage in deceptive conduct.
• Attempt to disable, bypass, or circumvent any technical controls, security measures, or access restrictions implemented by Twimbit.
• Harass, bully, stalk, or threaten other users or individuals.
• Infringe upon Twimbit’s or any third party’s intellectual property, privacy, or data protection rights, including unauthorized sharing of copyrighted, proprietary, or trademarked materials;
• Disclose, post, or share another user’s private, sensitive, or confidential information without prior consent.
• Publicly display or use the Service(s) to generate or share inappropriate content or material (involving, for example, nudity, bestiality, pornography, offensive language, graphic violence, self-harm or criminal activity) or your content or material that does not comply with local laws or regulations.
• Assist, enable, or encourage any person to violate these Terms or engage in any prohibited activity.
• Engage in unauthorized reproduction, redistribution, scraping, data mining, reverse engineering, or automated extraction of any part of the Service(s) or Content(s); and
• Engage in any conduct that Twimbit reasonably determines to be harmful to its systems, operations, reputation, intellectual property, or other users.

3.4 Respectful conduct and community standards

As a user of the Service(s), you agree to uphold a respectful, inclusive, and professional environment. The following behaviour is strictly prohibited and may result in immediate suspension or permanent removal from the Service(s) without prior notice (See Clause 5.3 Termination):

• Harassment, intimidation, or discrimination on the basis of race, gender, religion, nationality, disability, age, sexual orientation, or any other protected characteristic;
• Unsolicited promotional activity, commercial solicitation, or spamming in community forums or channels; and
• Any conduct that, in Twimbit’s sole judgment, is disruptive, offensive, inappropriate, or inconsistent with the collaborative spirit of the Service(s).

3.5 Enforcement and remedies

Twimbit reserves the right to investigate any suspected breach of this Code of Conduct and to take appropriate enforcement action, including but not limited to:

• Issuance of warnings or notices.
• Restriction of access to specific features or Content(s).
• Temporary or permanent suspension of an account.
• Account termination; and
• Referral of the matter to law enforcement or regulatory authorities, where applicable.

Twimbit may also pursue legal or equitable remedies necessary to safeguard the integrity of the Service(s) and protect the rights of its users.

3.6 Account recovery

In the event that your account is suspended or terminated due to a violation of these Terms, or if you experience difficulties accessing your account, you may request recovery of your account, subject to Twimbit’s review and verification process. The recovery process may include, but is not limited to, the following:

• Verification of account ownership through email or other means.
• Submission of proof of identity, as required; and
• Assessment of the reasons for suspension or termination, including an investigation of any alleged breaches of these Terms.

Twimbit reserves the right to deny account recovery requests if it determines that you have violated the Terms or failed to meet any necessary requirements. Any recovered account may be subject to restrictions, including temporary suspension or limitations on access to specific features or Content(s). (See Clause 5.2 Account suspension.)

Twimbit will make reasonable efforts to assist you with the account recovery process but shall not be liable for any loss or damages resulting from your inability to recover access to an account. (See Clause 5.4 End-of-service implications.)

Account recovery requests must be submitted through the designated support channels, and Twimbit will provide guidance on the necessary steps to complete the process. (See Clause 7.1 Support access.)

3.7 Reporting violations

If you believe another user has violated these Terms or community standards, you may report it through the “Chat with us” button on the bottom right of the Website. All reports will be reviewed seriously. (See Clause 7.1 Support access.)

4.2 Permitted public referencing and attribution requirements

Public referencing of Twimbit Content(s) is permitted only with appropriate and clearly visible attribution, using one of the following formats:

• “according to Twimbit”
• “according to Twimbit, a research and advisory firm”
• “according to Twimbit analyst [Name]”
• “Source: Twimbit, [Report/Insight Title], [Month, Year]”

4.4 Use of digital rights management and content credentials

Twimbit may embed content credentials, visible or invisible watermarks, or DRM controls within both traditional and AI-generated deliverables to prevent unauthorized distribution, tampering, or misuse. These mechanisms may be used to validate provenance, track content sharing, and enforce license terms. Removal or circumvention of such mechanisms is strictly prohibited.

5.2 Account suspension

Twimbit may suspend your account temporarily under the following circumstances:

• At your request, if you wish to pause your Membership without full cancellation.
• Due to suspected violations of these Terms pending investigation; and
• For security, legal, or maintenance purposes. 

During the suspension period, access to Service(s) will be restricted. If the suspension is initiated at your request, the account will remain in a suspended state for up to ninety (90) days and can be reactivated at any time by logging in or contacting Support. (See Clause 7.1 Support access.) After this period, if no action is taken, your account may be permanently closed and any associated data deleted, subject to Clause 5.4. 

5.3 Termination by Twimbit

Twimbit reserves the right to terminate your access to the Service(s) immediately, without prior notice, if Twimbit reasonably suspects material breach, misuse, fraudulent activity, or any conduct deemed harmful, unlawful, or in violation of these Terms, applicable laws, or regulatory obligations.  Upon termination, all rights to access the Service(s) shall immediately cease. Subject to the data export process outlined below, Twimbit shall have no obligation to retain or restore any data or content associated with the account. Upon written request made within thirty (30) days of termination, Twimbit will export your data in a machine-readable format within thirty (30) days. Following completion of the export (or expiry of the request window), Twimbit will delete, unidentified, or anonymize your data within sixty (60) days and will provide email notice upon completion of deletion.

6.1 Charges

All fees for Service(s) are payable annually in advance, in USD, unless stated otherwise. Fees do not include applicable taxes, duties, or currency exchange costs, which you are responsible for. Any additional charges based on the Service(s) or payment method will be displayed or communicated prior to payment.

Taxes are calculated based on your location at the time of account registration, unless local law requires a different basis. You must ensure your billing address and account information are accurate and up to date.

Depending on your location, transactions may require foreign currency conversion or processing in another country. Additional fees from banks or financial institutions may apply. You should contact your bank for details.

Twimbit may suspend access to Service(s) if payment is not received within fourteen (14) days of the due date, following prior email notice. If a payment cannot be successfully processed due to expiration, insufficient funds, or other reasons, Twimbit may suspend access to the Service(s) until payment is resolved. You remain responsible for all outstanding amounts. Suspension or cancellation for non-payment may result in the loss of access to your account and content.

6.2 Billing & renewal

Twimbit uses third-party payment providers to process subscription fees, payment, and other charges. All payment transactions are handled by these providers according to their own terms and security practices. Twimbit does not store or process credit card or payment instrument details.
By providing payment information, you:

• Represent and warrant that you are authorized to use the designated payment method and that all payment information provided is accurate and complete.
• Authorize Twimbit to charge the payment method for any Service(s), subscriptions, or Content(s) purchased or accessed; and
• Consent to recurring charges for any subscription-based Service(s) or features you elect to use.

Twimbit may bill you:

• In advance;
• At the time of purchase.
• Shortly after a purchase is made. or
• On a recurring basis according to the selected subscription plan.

Recurring subscriptions auto-renew unless cancelled in writing at least thirty (30) daysbefore the renewal date. Twimbit will provide advance notice of any changes to recurring fees. Charges for prior unbilled periods may be consolidated into a single billing cycle. Failure to remit payment may result in suspension or termination of access to the Service(s), following prior notice and applicable grace periods.

6.3 Billing Account information

To pay for any Service(s), you must provide a valid payment method at the time of sign-up. You can view and update your billing information, including payment method, through the “Member Dashboard”.

You agree to promptly update your account details, including email address and payment information, to ensure transactions are completed successfully. Twimbit may use updated payment information provided by the issuing bank or payment network. Changes to billing information will not affect charges already submitted to the payment method before the update was processed.

6.4 Recurring payments

By subscribing to any Service(s), you authorize Twimbit to charge your designated payment method on a recurring basis. Subscription intervals may be monthly, quarterly, or annually, depending on the plan selected.
Recurring payments will continue until the subscription is terminated either by you or by Twimbit in accordance with these Terms. Subscriptions auto-renew unless cancelled in writing at least thirty (30) days before the renewal date. Instructions for cancellation are available in the Member Dashboard. To pay for any Service(s), you must provide a valid payment method at the time of sign-up. You can view and update your billing information, including payment method, through the “Member Dashboard”.
By authorizing recurring payments, you consent to Twimbit processing payments through:

• Electronic debits or fund transfers.
• Electronic drafts from the designated account (including Automated Clearing House or equivalent). or
• Charges to the designated credit or debit card (collectively, “Electronic Payments”).

Subscription fees are typically billed in advance. If a payment is returned, denied, or rejected, Twimbit and its payment processors may charge applicable return, rejection, or insufficient funds fees and reprocess the payment as an Electronic Payment.

6.6 Refund policy

Unless otherwise required by applicable law, all purchases are final and non-refundable. No refunds will be issued for any payments made unless required by applicable law. Twimbit reserves the right to issue refunds or credits at our sole discretion unless otherwise required by law. If we issue a refund or credit, we are under no obligation to issue the same or similar refund in the future. (See Clause 5.5 No refund policy.)

6.7 Promotional offers and trials

From time to time, Twimbit may offer promotional pricing, discounts, or trial Memberships. Such offers are subject to eligibility and may be modified or discontinued at Twimbit’s discretion without prior notice. Promotional periods or trial Memberships will not extend beyond the specified term and may automatically convert into a paid Membership at the end of the promotional or trial period unless cancelled beforehand. It is your responsibility to track the end date and cancel if you do not wish to continue. Twimbit reserves the right to charge your selected payment method for any Service(s) at the standard rate if it determines, in its reasonable discretion, that the offer or trial has been misused or abused.

6.8 Price changes

Twimbit may update pricing, introduce new fees, or revise billing methods by providing at leastfifteen (15) days prior email notice to your registered email or other contact channels. If you do not agree with the updated pricing, you must cancel your Membership before the new pricing takes effect. If your Service(s) are under a fixed-term offer, the price for that term will remain unchanged.

6.9 Chargebacks and payment disputes

Initiating a chargeback or payment dispute without first contacting us will be considered a cancellation of services as of the original payment date. Twimbit reserves the right to suspend or revoke access to any materials or benefits delivered prior to the dispute. (See Clause 7.1 Support access.) If Twimbit owes you a payment, you agree to provide accurate and timely information to enable processing. You are responsible for any taxes or fees resulting from such payments, in accordance with applicable law. If you receive a payment in error, Twimbit may reverse or require return of the payment. You agree to cooperate with Twimbit in such cases, including allowing adjustments for any previous over-payments without prior notice.

6.10 B2B project-based transactions

In addition to subscriptions, Twimbit may provide project-based, advisory, research, or consulting services on a business-to-business (B2B) basis.
Payments for such services:

• May be invoiced separately.
• May be subject to written proposals, statements of work (SOWs), or separate commercial agreements. and
• Are governed by the payment terms specified in those agreements.

In the event of any conflict between these Terms and a separate written agreement, the terms of the written agreement shall prevail with respect to the specific project or engagement.

7.2 Service notifications

When there is important information regarding the Service(s) you use, Twimbit may send you Service(s) notifications. If you have provided your email address or mobile phone number in connection with your Twimbit account, we may deliver these notifications via email or WhatsApp, including for purposes such as identity verification, registration of your mobile number, or confirmation of purchases. Twimbit may also provide Service(s) notifications through other channels, such as in-product messages. Please note that Twimbit does not use SMS for any form of communication. 

7.3 Compatibility and equipment

To use the Service(s), you may require devices with internet access, and in some cases, hardware like microphones or cameras. You are responsible for securing such equipment and bearing any related costs, which are separate from Membership fees. 

8.2 Disruptions and limitations

While Twimbit aims to ensure high availability and seamless service delivery, all digital services are subject to occasional disruptions, outages, or maintenance. Twimbit is not liable for any disruption, loss, damage, or inability to access your content or data resulting from such disruptions. You are strongly encouraged to regularly back up your Content(s) and data stored through Twimbit’s Service(s) or through integrated third-party services. Service interruptions may also arise due to a “Force Majeure Event” as defined in Clause 12.9, and Twimbit shall not be held liable for such events.

8.3 Service levels & uptime

• Uptime commitment: Twimbit will use commercially reasonable efforts to maintain acceptable platform availability each month, excluding scheduled maintenance communicated at least 48 hours in advance.
• Incident classification & response: Twimbit will respond to and resolve incidents based on their severity, with higher-severity issues prioritized for faster response and resolution times.
• Availability exclusions: Downtime resulting from third-party services, scheduled maintenance, or events beyond Twimbit’s reasonable control is excluded from availability commitments.
• Scheduled maintenance: Scheduled maintenance may occur periodically to maintain or improve the Service(s). Twimbit will use commercially reasonable efforts to provide at least 48 hours’ prior notice where practicable.
• Service credits: Unless expressly stated in a separate written agreement, the service levels described in this clause are targets only and do not entitle you to service credits, refunds, or other compensation.
• Third-party dependencies: Certain features of the Service(s) may rely on third-party infrastructure and services or AI model providers. Twimbit does not guarantee uninterrupted availability of such third-party service providers.

9.2 No guarantee of uninterrupted service

You acknowledge that the Service(s) may experience interruptions, delays, data loss, or downtime due to technical limitations, third-party infrastructure, or events beyond Twimbit’s control. Twimbit does not guarantee that the Service(s) will be uninterrupted, secure, error-free, virus-free, or meet your expectations.

9.3 Content disclaimer

Twimbit does not provide professional, regulated, or licensed advice of any kind. Any reliance on Twimbit Content(s), tools, or services is at your own discretion and risk. All insights, reports, AI responses, and other Content(s) are provided for informational purposes only and do not constitute medical, legal, financial, investment, or business advice. You are solely responsible for interpreting and applying such Content(s), and any decisions made based on them are at your own risk.

• Medical notice: Twimbit does not provide medical or other healthcare advice, diagnosis, or treatment. You should always consult a qualified healthcare provider regarding any medical condition, diet, fitness, or wellness program. Professional medical advice should not be disregarded based on information obtained through the Service(s).
• Financial notice: Twimbit is not a broker, dealer, or registered investment advisor under applicable securities laws of Singapore and other relevant jurisdictions and does not advise individuals as to the advisability of investing in, purchasing or selling securities or other financial products or services. Nothing contained in the Service(s) is an offer or solicitation to buy or sell any security. Neither Twimbit nor its licensors of stock quotes or index data endorse or recommend any particular financial products or services. Nothing in the Service(s) is intended to be professional advice, including without limitation, investment or tax advice.
• Market data notice: Financial information provided through the Service(s) is for personal, non-commercial use only. You may not use any of the finance data or marks of any third-party licensor in connection with the issuance, creation, sponsorship, trading, marketing or promotion of any financial instruments or investment products (for example, indices, derivatives, structured products, investment funds, exchange-traded funds, investment portfolios etc., where the price, return and/or performance of the instrument or investment product is based on, related to or intended to track any of the finance data) without a separate written agreement with the third-party licensor.

9.4 Limitation of liability

To the maximum extent permitted by applicable law, Twimbit shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to:

• Loss of profits, income, revenue, business, or anticipated savings.
• Business interruption, loss of use, or loss of data.
• Loss of goodwill or reputational harm. or
• Any damages arising from reliance on insights, research, or content provided through the Service(s).

9.5 Cap on liability

To the maximum extent permitted under applicable law, Twimbit’s total aggregate liability for any and all claims arising out of or relating to these Terms or the Service(s), whether in contract, tort (including negligence), warranty, or otherwise, shall not exceed an amount equal to twenty percent (20%) of the total fees actually paid by you to Twimbit for the affected Service(s) in the twelve (12) months immediately preceding the event giving rise to the claim. Notwithstanding the foregoing, Twimbit shall, in good faith, work with you to understand the issue and, where commercially reasonable, provide mutually agreed remedial actions or alternative deliverables. The foregoing limitations shall apply notwithstanding any failure of the essential purpose of any limited remedy and to the fullest extent permitted by applicable law. Where the Service(s) are provided on a free, trial, or promotional basis, Twimbit shall have no monetary liability arising out of or relating to such use.

9.6 Indemnification

You agree to indemnify, defend, and hold harmless Twimbit, its affiliates, officers, directors, employees, agents, licensors, and representatives from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees and costs) arising out of or in connection with:

• Your access to or use of the Service(s).
• Your violation of any provision of these Terms. or
• Your infringement or misappropriation of any intellectual property or other rights of a third party. or
• Any content submitted, uploaded, posted, or transmitted by you through the Service(s).

Twimbit reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you. In such event, you agree to cooperate fully with Twimbit in the defence of such claim. You may not settle any claim without Twimbit’s prior written consent if such settlement would impose any liability, obligation, or admission of fault on Twimbit.

9.7 Third-party rights

The terms in this Clause 9 regarding Disclaimer of warranty, limitation of liability, and Indemnification are for the benefit of Twimbit, its affiliates, licensors, employees, and agents, each of whom shall have the right to assert and enforce those terms against you.

9.8 No effect on mandatory rights

Nothing in these Terms limits your rights under local consumer protection laws that cannot be waived or excluded by contract. (See Clause 10.2 Governing law.)

9.9 Export and sanctions compliance

You agree to comply with all applicable export control and sanctions laws and regulations, including but not limited to the laws of Singapore and any other applicable jurisdictions. You shall not access, download, transmit, or otherwise use the Service(s) if such use is prohibited under applicable export controls, trade sanctions, embargoes, or other legal restrictions. Twimbit reserves the right to suspend or terminate access in violation of such laws or regulations.

10.2 Governing law

This Agreement shall be governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict-of-law principles, as further outlined in Clause 12.8 Governing law and jurisdiction.

10.3 Dispute resolution

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the Service(s) provided through the Service(s), the parties shall first attempt to resolve the matter amicably through good-faith negotiations. If a resolution cannot be reached within sixty (60) days, the dispute shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the SIAC Arbitration Rules, which are deemed to be incorporated by reference into this clause.

• The Tribunal shall consist of one (1) arbitrator appointed by the President of the SIAC.
• The seat of arbitration shall be Singapore.
• The language of arbitration shall be English.
• The decision of the arbitrator shall be final, binding, and enforceable in any competent jurisdiction.

10.4 Enforcement of arbitral awards

The parties agree that the Courts of the Republic of Singapore shall have non-exclusive jurisdiction to enter judgment on any arbitral award rendered pursuant to Clause 10.3 and to grant interim or conservatory relief in support of the arbitration. Except for (i) applications to the Singapore courts for interim measures pending constitution of the arbitral tribunal, and (ii) enforcement or setting-aside of an award under the Arbitration Act (Cap. 10) or other applicable legislation, no court shall have jurisdiction to hear or determine any dispute under this Agreement.

10.5 Mandatory consumer rights

Nothing in this Agreement limits or affects any rights you may have under applicable consumer protection laws that cannot be waived by contract. For reference, see Clause 12.7 regarding the Consumer Protection (Fair Trading) Act.

10.6 Claims must be filed within one year

Any claim related to these Terms or the Service(s) must be filed in court (or arbitration if Clause 10.3 applies) within one year of the date you could first file the claim, unless your local law requires a longer time to file claims. If not filed within that time, your claim cannot be considered.

11.1.1 Cross-module data governance

By using the Platform and signing up, you agree that your data may be shared across all modules.

11.1.2 AI model governance

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the Service(s) provided through the Service(s), the parties shall first attempt to resolve the matter amicably through good-faith negotiations. If a resolution cannot be reached within sixty (60) days, the dispute shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the SIAC Arbitration Rules, which are deemed to be incorporated by reference into this clause.

• Shared responsibility model: Twimbit warrants that the Platform infrastructure — including API integrations, model orchestration, data pipelines, and security controls — shall perform materially as described in the applicable product documentation. You acknowledge that AI-generated outputs are probabilistic in nature and assumes sole responsibility for the review, validation, and approval of all outputs prior to any external, commercial, or regulatory use. This allocation of responsibility does not limit Twimbit’s obligations under its Service availability and service levels (Clause 8.3) or data processing commitments (Clause 2.3).

11.1.3 Intellectual property — Platform default

• Default ownership: Unless expressly stated otherwise in a product-specific schedule or the Agreement, the following default ownership rules apply:
  You own: All data, content, and materials submitted or uploaded to the Platform (“Inputs”); all outputs generated by the Platform based on such Inputs (“Outputs”); and all custom configurations created by you, including prompts, agent definitions, workflows, templates, and automation logic, are subject to the ownership and license terms set out in Clause 12.4.2 Your Submissions, which grants Twimbit broad rights to use, reproduce, modify, and otherwise exploit them to operate, maintain, and improve the Service(s).
  Twimbit owns: The Platform infrastructure, including all underlying models, algorithms, system prompts, architecture, user interface designs, proprietary research frameworks, training datasets, and Twimbit-authored content (including Twimbit reports accessible via Vault).
• No joint ownership: Unless explicitly agreed in a separate written instrument executed by both parties, no content processed through the Platform shall be deemed jointly owned. Each party retains sole ownership of its respective contributions as defined in (a) above.

11.1.4 AI content provenance

Twimbit implements content provenance measures across all AI-generating modules (Buddy, Vela, Echo) in accordance with equivalent industry-recognized standard as Twimbit may adopt and disclose to you.

11.1.5 Fair usage & rate limits

Usage of the Platform is subject to the Fair Usage Policy specified in the Agreement. Fair usage limits may govern: (i) API call volumes per module per billing period; (ii) storage capacity allocated to Vault; (iv) AI generation requests per billing period across Buddy, Vela, and Echo; (iii) data ingestion volume for Think with Twimbit. Where you consistently exceed applicable fair usage limits, Twimbit shall:(a) notify you in writing with usage data; (b) offer an upgraded usage tier at the then-current rates; (c) not degrade, throttle, or suspend service without [15] days’ written notice, except in cases of abuse that threaten Platform stability or security.

11.2 Agreement structure

Access to the Platform is governed by a three-tier agreement architecture:

• Agreement: Governs the commercial relationship, payment terms, contract duration, and renewal. Executed separately between you and Twimbit.
• Platform Terms (this Clause 11.1): Governs Platform-wide obligations including data handling, IP ownership defaults, service levels, and cross-module data flow.
• Product-Specific Schedules (Clauses 11.3–11.13): Govern module-level rights, restrictions, and responsibilities. Incorporated by reference.

In the event of conflict, the order of precedence is: (1) Agreement, (2) Platform Terms, (3) Product-Specific Schedules.

11.3 Twimbit blogs

11.3.1 Access and scope

You may freely access Twimbit blogs, which are intended for general informational purposes. Blogs are publicly available and may cover trends, commentary, or educational content across supported domains.

11.4 Twimbit insights

11.4.1 Access and scope of Twimbit insights

You are granted unlimited access to Twimbit’s library of published insights across all supported verticals and research domains, as included in your Membership plan. This includes full access to research reports, benchmarks, trend analyses, and expert commentaries made available on the Twimbit Platform.
Please note: Requests for custom insights, summaries, or personalized deliverables must be made through the Analyst on Demand Service, subject to applicable plan entitlements. (See Clause 11.6 Analyst on Demand.)

11.5 Buddy (Generative AI Suite)

11.5.1 Assistive nature of AI

Buddy is a multi-model AI productivity platform that provides employees with a private workspace powered by multiple frontier models via enterprise APIs. Trained on proprietary Twimbit research, market trends, company profiles, benchmarking studies, and internal policies, it delivers grounded responses across research, advisory, marketing, and operations functions. Buddy features an agent library, custom assistant creation, model selection, and shared chats. Buddy is not a substitute for professional, legal, financial, medical, or expert advice. You are solely responsible for verifying all AI-generated content before use.

11.5.2 Prohibited use: reverse engineering

You may not attempt to reverse engineer, decompile, disassemble, extract, or otherwise attempt to derive the structure or algorithms of the AI models, systems, or any part of Buddy. (See Clause 12.2 License limitations.)

11.5.3 No web scraping or unauthorized extraction

Unless explicitly authorized by Twimbit, you may not use automated scraping, harvesting, or data extraction methods to collect data from or about Buddy. (See Clause 3.3 Acceptable Use and Prohibited Conduct.)

11.5.4 Content processing

By using Buddy, you acknowledge and agree that respective inputs and outputs may be stored and processed for system optimization, abuse monitoring, and performance enhancement. This processing is done in accordance with Twimbit’s Privacy Policy and applicable laws. (See Clause 2 Privacy and data protection.)

11.5.5 AI-generated content provenance

All AI outputs from Buddy (and other modules) carry embedded provenance metadata owned and managed by third-party providers. Metadata shall include but not limited to model identifier and generation timestamp.

11.5.6 Third-party liability

You are solely responsible for managing and resolving any third-party claims (including intellectual property disputes) that arise from the use of Buddy or its outputs. Twimbit disclaims all liability in this regard. (See Clause 2 Privacy and data protection.)

11.6 Analyst on Demand  

11.6.1 Scope of service

The Analyst on Demand Service provides you with direct access to Twimbit analysts for the creation of custom deliverables, expert support, and strategic guidance. This Service includes the on-demand creation of tailored research summaries, charts, benchmarks, and other business insights to support individual or team needs. The Service is designed to help you with strategic communication, market positioning, or internal use cases, as permitted by the applicable Membership plan. (See Clause 2 Privacy and data protection.)

11.6.2 Support hours and access limits

All Analyst on Demand engagements are governed by a predefined number of support hours allocated under the applicable Membership plan. You will have access to a dedicated analyst (or analyst team) whose working hours and responsibilities are aligned with the agreed service tier. Twimbit will endeavour to fulfil all requests within these allocated hours. Any support requested beyond the allocated hours may be subject to additional charges, unless otherwise agreed in writing. (See Clause 6.10 B2B project-based transactions). Twimbit does not guarantee the fulfilment of all requests beyond the predefined scope of engagement.  

11.6.3 Ownership and usage of outputs

Insights, documents, and outputs generated by Twimbit analysts under the Analyst on Demand service shall be jointly owned by Twimbit and you. You may use, reproduce, and distribute such outputs for internal, public, or professional purposes within the scope of your Membership plan. Twimbit may also use the outputs for portfolio, benchmarking, quality assurance, or internal training purposes unless confidentiality has been explicitly requested. All use remains subject to the copyright, attribution, and intellectual property provisions outlined in Clause 12.3.

11.6.4 Your responsibility and input accuracy

You are solely responsible for the accuracy, legality, and completeness of the input information provided to Twimbit analysts. Twimbit shall not be liable for inaccuracies or outcomes resulting from incomplete or misleading input.

11.6.5 Confidentiality and restrictions

All analyst interactions are confidential and must not be recorded, shared, or repurposed outside your organization without Twimbit’s consent. Twimbit reserves the right to limit or revoke access for any misuse of the service.

11.7 Ask AI

11.7.1 Nature of Ask AI

Ask AI is an AI-powered chatbot trained exclusively on Twimbit’s published content. It enables you to interact with and retrieve Twimbit research in a contextual and curated manner. Responses generated by Ask AI are based solely on the insights available on the Twimbit platform and do not constitute personalized research, custom analysis, or advisory services.

11.7.2 Response times and limits

Ask AI services are subject to fair use limitations and response times may vary depending on the complexity of the query.

11.8 Learning Labs

11.8.1 Format and content delivery

Learning Labs are delivered via live or recorded sessions and are designed to provide you with insights into AI trends, use cases, and tools. Session topics, duration, and formats are subject to change without notice. (See Clause 13.1 Changes to these Terms.)

11.8.2 Access and Membership tier

Access to specific classrooms and session archives may vary based on your Membership tier. Twimbit reserves the right to restrict access or remove content at any time. (See Clause 13.1 Changes to these Terms.)

11.8.3 Recordings and participation consent

Sessions may be recorded for archival, quality, or training purposes. By participating, you consent to being recorded unless otherwise stated in writing prior to the session. (See Clause 2 Privacy and data protection.)

11.8.4 Educational use only

Learning Labs are intended for educational purposes and do not constitute legal, business, or technical advice. Twimbit does not guarantee any specific learning outcomes or certifications. (See Clause 9 Disclaimers, warranties, and limitations of liability.)

11.8.5 Permitted use of Learning Labs content

Clients may not repurpose, reproduce, distribute, or use any content from Learning Labs for promotional, commercial, or public-facing purposes without prior written consent from Twimbit. All materials remain subject to Twimbit’s copyright and intellectual property protections. (See Clause 12.4 Ownership.)

11.9 Vault

11.9.1 Private workspace & content access

Vault is a white-labelled, private content platform provisioned for your organization, hosted securely in your data environment or private cloud. It offers a unified interface for discovering, organizing, and interacting with:

• Twimbit reports: Curated research and market intelligence.
• Custom content: Analyst deliverables developed specifically for you.
• Member-generated content: Internal materials authored or uploaded by your team.

11.9.2 Confidentiality, ownership, and access control

All content stored or published within Vault is subject to the following ownership framework:

• Twimbit content: Reports, research, market intelligence, and proprietary frameworks authored by Twimbit and made available through Vault remain the exclusive intellectual property of Twimbit. You are granted a non-exclusive, non-transferable license to access and use such content for internal business purposes during the term of the Agreement.
• Your content: Internal materials authored, uploaded, or commissioned by you and stored within Vault remain the exclusive intellectual property of yours.
• Commissioned output: Analyst deliverables developed by Twimbit specifically for you shall be owned as specified in the applicable Statement of Work or Order Form. In the absence of such specification, the Platform default under Clause 11.1.3 applies.

Vault content is accessible only to you and designated users within your organization, unless explicitly shared with Twimbit’s written consent. Access to Vault is governed by your internal privacy and security policies. Twimbit implements technical and organizational safeguards to support secure deployment and prevent unauthorized access.

11.10 Roundtables and events

11.10.1 Access to roundtables and events

Roundtables and events provide you access to Twimbit’s curated network of professionals, innovators, and thought leaders through showcases, online discussions, and in-person gatherings.

11.10.2 Event participation and eligibility

Access to certain events may be invitation-only or subject to geographic, industry, or Membership plan eligibility. Twimbit reserves the right to approve, deny, or revoke access to any event or engagement at its discretion. (See Clause 13.1 Changes to these Terms.)

11.10.3 Participant responsibility

Participants are responsible for the content they create or share during events. Twimbit does not guarantee the accuracy, quality, or outcomes of participant-generated content and disclaims any liability for its use or reliance. All participants must comply with applicable laws, regulations, and Twimbit’s community standards.

11.10.4 Confidentiality and data handling

Content and data shared within events are subject to Twimbit’s Privacy Policy and applicable data protection laws. Participants should exercise caution when sharing sensitive or proprietary information. Twimbit takes reasonable measures to safeguard data but does not guarantee the security of all information shared during events. (See Clause 2 Privacy and Data Protection.)

11.10.5 Intellectual property rights

Any content, including but not limited to documents, media, or materials created or shared during events, remains the intellectual property of the participant who created it. By participating, you grant Twimbit a limited, non-exclusive license to use, store, and display content solely for the purpose of providing the Service. (See Clause 12.4 Ownership.)

11.10.6 Event recording and media usage

Participants acknowledge that events, whether online or in-person, may be recorded. By participating, you consent to Twimbit using recordings, images, or shared content for internal, promotional, or educational purposes, in accordance with Twimbit’s Privacy Policy.

11.10.7 Conduct and compliance

All participants must conduct themselves professionally and respectfully. Solicitation, harassment, or inappropriate behaviour may result in immediate suspension from participation. (See Clause 3.4 Respectful conduct and community standards.)

11.10.8 Cancellation or schedule changes

Twimbit reserves the right to modify, postpone, or cancel events, in whole or in part, without liability. Participants will be notified of changes where possible.

11.10.9 Feedback and surveys

You may be invited to provide feedback, surveys, or evaluations, which Twimbit may use for service improvement, research, or reporting purposes.

11.10.10 Health and safety

For in-person events, participants attend at your own risk and must comply with all applicable health, safety, and venue rules. Twimbit is not liable for any personal injury, loss, or damage incurred at physical events.

11.10.11 Third-party interactions

Events may feature third-party vendors, speakers, or partners. Twimbit is not responsible for the content, advice, or actions of third parties, and participation does not imply endorsement.

11.10.12 Outcome disclaimer

Twimbit makes no representation or warranty regarding the value, opportunities, or results of participating in events. Events are provided as platforms for connection and knowledge sharing, not for guaranteed business, commercial, or professional outcomes. (See Clause 9 Disclaimers, warranties, and limitations of liability.)

11.11 Communications and gamified content

11.11.1 Twimbit newsletter

By subscribing to the Twimbit Newsletter, you consent to receive informational and promotional communications from Twimbit. Twimbit may deliver curated insights, research highlights, and service updates through email or in-platform channels via the Twimbit newsletter. Subscription to the newsletter is included with eligible Membership plans. By accessing this content, you agree to receive such communications as part of your experience. You may opt out at any time via the unsubscribe link provided in each communication. Twimbit processes personal data in accordance with its Privacy Policy. You may manage communication preferences at any time, subject to Clause 7.2 Service notifications.

11.11.2 Twimbit Thursday quizzes

Twimbit Thursday is a gamified feature available as part of engagement experience. Participation is voluntary. Points, rewards, or recognition, if any, associated with Twimbit Thursday are provided at Twimbit’s sole discretion and may be modified or discontinued at any time with or without notice. (See Clause 13.1 Changes to these Terms.)

11.11.3 General communication features

Twimbit may use various channels, including but not limited to email, WhatsApp, or in-product notifications, to engage with you, disseminate insights, or invite participation in service features. These communications are part of the core user experience and may include promotional or educational content. Opting out of certain communications may limit access to features or content. (See Clause 7.2 Service notifications)

11.11.4 No guarantee of outcomes

Communications and gamified content are provided “as is” and for informational or engagement purposes only. Twimbit makes no guarantees regarding participation benefits, outcomes, or continuity of any communication-based or gamified feature. (See Clause 9 Disclaimers, warranties, and limitations of liability.)

11.12 Vela (Sales Innovation)

11.12.1 Scope of Service

Vela provides AI-assisted sales enablement functionalities, including but not limited to:

• Market and account intelligence synthesis.
• Proposal and document generation.
• Persona database creation.
• Sales pitch coaching and recommendations.
• Workflow integration support

Vela provides AI-assisted sales enablement functionalities, including but not limited to:

11.12.2 Nature of AI outputs

All insights, recommendations, coaching suggestions, and generated content are AI-assisted outputs and are provided for informational and productivity enhancement purposes only. You remain solely responsible for reviewing, validating, and approving all outputs prior to external or commercial use. Twimbit does not guarantee deal outcomes, revenue increases, or specific win-rate improvements.

11.12.3 Integrations

Where Vela integrates with third-party tools (CRM systems, workflow platforms, etc.), the Client is responsible for ensuring appropriate access rights and compliance with third-party terms.

11.13 Echo (Marketing Innovation)

11.13.1 Scope of Service

Echo provides AI-assisted marketing support including:

• Strategic communication drafting.
• GTM asset creation.
• Social media and event marketing content.
• Translation and localization.
• Case studies, press releases, EDM creation.
• Report summarization.

Echo may include customized AI agents trained on client-provided brand assets.

11.13.2 Customization & training

Echo may be configured using materials you provide (brand guidelines, case studies, tone of voice documentation, product catalogues). You represent and warrant that you have full rights to use and provide such materials. Twimbit does not guarantee that outputs will always fully replicate your brand tone and recommends human review prior to publication.

11.14.2 Data nature

Market intelligence provided is based on proprietary methodologies, research frameworks, and available data sources. While Twimbit strives for accuracy, data is provided on an “as-is” basis and may be subject to revisions.

11.14.3 API access

Where API access is provided:

• You shall use API keys securely.
• Rate limits and usage thresholds may apply.
• Twimbit may suspend access in cases of abuse or security risk.

11.14.3 API access

Where API access is provided:

• You shall use API keys securely.
• Rate limits and usage thresholds may apply.
• Twimbit may suspend access in cases of abuse or security risk.

13.2 Updates to Service(s) or software

To maintain and improve the Twimbit experience, we may offer updates to our software, digital tools (including AI assistants), or Service(s). These updates may be required for continued access to certain features. Updates may be installed automatically or may require your action, depending on the Platform or integration (e.g., WhatsApp, web, mobile). All updates are governed by these Terms unless specific terms accompany them.
Twimbit is not obligated to release updates and does not guarantee continued support for earlier versions of Service(s), features, or tools, including third-party integrations.

13.3 Changes to features or discontinuation

Twimbit may, at its sole discretion, modify, suspend, limit, or discontinue any portion of its Service(s), including specific features, tools, content types, or integrations (such as AI models or third-party services), at any time and for any reason. While we will make reasonable efforts to provide advance notice where feasible, such changes may occur without prior notice.
You acknowledge that Twimbit is under no obligation to maintain, support, or reintroduce any feature, tool, or content that is modified or discontinued, including beta or experimental offerings, unless otherwise required by applicable law. Twimbit is not obligated to release updates and does not guarantee continued support for earlier versions of Service(s), features, or tools, including third-party integrations.

13.4 DRM and licensing systems

If any of our Service(s) or Content(s) are protected by DRM (as defined in Clause 1.9 Definitions), you acknowledge that DRM systems may automatically connect to rights servers to validate or update licenses, which may include installing updates necessary for continued access.

13.5 Electronic transactions & e-signatures

• You agree that all agreements, notices, disclosures and other communications that we provide in connection with these Terms may be provided electronically, including via the Twimbit platform, email or other online means, in accordance with Singapore’s Electronic Transactions Act (Cap. 88).   
• You further consent to the use of electronic signatures, and agree that any electronic signature, click-through, checkbox or other online acceptance mechanism used by you or by Twimbit to execute these Terms, any Membership Agreement, or any ancillary document, is intended to authenticate the document and to have the same force and effect as a handwritten signature.   
• You waive any right you may have to require a physical signature or a paper form of these Terms, any notices under them or any ancillary documents, except where a wet ink signature is explicitly required under applicable law.      

14. Legal disclaimer  

This Agreement does not create a partnership, joint venture, agency relationship, or employment arrangement between you and Twimbit. You may not use or reference Twimbit’s trademarks, trade names, or intellectual property except as expressly authorized by us. All rights not expressly granted herein are reserved.  
By accessing or using any part of the Service, including completing payment or account registration, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. These Terms, together with the Privacy Policy and any applicable written agreements, constitute the entire agreement between you and Twimbit regarding the Services.