Terms

Terms of Service

Entity: discoveric Marketplace AG, all its subsidiaries and all the entities under discovermarket brand

Last updated: 27 Jul 2026

Governing law: Singapore

Summary 

These Terms govern your use of the discovermarket website and our online platform and services. Use them lawfully, keep your account secure, don’t treat website content as insurance or financial advice, and understand that certain features are provided “as is” with limits on our liability. This summary is for convenience only; the numbered sections below are what legally apply.

Contents

  1. Acceptance of these Terms
  2. Changes to these Terms
  3. Privacy and Cookies
  4. Eligibility and Registration
  5. The Platform and Services
  6. Paid Services, Fees and Renewal
  7. Acceptable Use
  8. Service Availability and Maintenance
  9. Suspension and Termination
  10. Your Content and Submissions
  11. AI and Automated Features
  12. No Offer, Solicitation or Advice
  13. Third-party Content and Systems
  14. Intellectual Property
  15. Disclaimer of Warranties
  16. Indemnity
  17. Limitation of Liability
  18. Rights of Third Parties
  19. Governing Law and Jurisdiction
  20. General
  21. How to Contact Us
  22. Definitions

1. Acceptance of these Terms

Access to and use of our website at www.discovermarket.com, its pages, and the information, services, links, applications and other material described or contained on it (together, the “Website”), and of our online platform and related services (the “Platform”, and together with the Website, the “Services”), is owned, operated and granted by discoveric Marketplace AG (“discovermarket”, “we”, “us” or “our”) subject to these Terms of Service (“ToS”).

By accessing or using the Services, or by registering for an account, you confirm that you have read, understood and agree to be bound by these ToS. If you are using the Services on behalf of an organisation, you confirm that you have authority to bind that organisation, and “you” refers to that organisation. If you do not agree to these ToS, you must not access or use the Services.

These ToS should be read together with our Privacy Policy (which also describes how we use cookies) and any additional terms and conditions that apply to specific programmes, promotions, or products, as updated from time to time. Where additional terms conflict with these ToS, the additional terms prevail for the feature they govern.

2. Changes to these Terms

We may revise these ToS at any time by updating this posting. Where changes are material, we will take reasonable steps to indicate that the ToS have been updated, including by revising the “Last updated” date above and, where appropriate, by notifying registered users through the Platform or by email. Your continued use of the Services after changes take effect constitutes your acceptance of the revised ToS. If you do not agree to a change, your remedy is to stop using the Services and, where applicable, close your account.

3. Privacy and Cookies

Your access to and use of the Services is also governed by our Privacy Policy, which is incorporated into these ToS by reference and available at discovermarket.com/privacy-policy. Our Website and Platform use cookies and similar technologies to operate, to remember your preferences, and to measure and improve performance, as described in our Privacy Policy.

You can manage your preferences through the cookie controls made available on the Website. By continuing to use the Services, you consent to our use of cookies as described in the Privacy Policy, other than those cookies for which your consent is separately required and obtained.

We maintain information-security controls to protect the Services, including an information security management system certified to ISO/IEC 27001. Further detail on how we protect personal data is set out in our Privacy Policy.

4. Eligibility and Registration

To register as a personal user, you must be at least 18 years old and not prevented by any law applicable to you from registering as a user. You may register for and operate only one personal user account, unless we expressly permit otherwise.

You agree that all registration information you provide is accurate and complete, and you undertake to keep it up to date. You agree to notify us promptly if you become aware of any inaccurate personal data held about you.

You are responsible at all times for keeping your account credentials secure and confidential, and for all activity that occurs under your account. You agree to notify us without undue delay if you suspect any unauthorised access to, or use of, your account or credentials. We are not liable for any loss arising from your failure to keep your credentials secure.

You must not obtain or attempt to obtain unauthorised access to the Services or to any protected information through any means not intentionally made available by us for your specific use. We may, at our discretion and acting reasonably, decline a registration request or revoke an existing registration.

5. The Platform and Services

The Platform provides online tools and services that support the discovermarket insurance marketplace, including account-based features made available to registered users. The specific features available to you may depend on your account type, your location, and any applicable product or programme terms.

We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Platform for your own internal or personal purposes, in accordance with these ToS. This right does not include any right to resell, sublicense, or make the Platform available to third parties, except as we expressly permit in writing.

We may add, change, suspend or remove features of the Services at any time. Where a change materially reduces the core functionality of a paid feature you rely on, we will take reasonable steps to notify affected users in advance.

Developer and API access

Where we make application programming interfaces, developer tools, or partner integrations available (for example, through our developer portal or “Connect” offering), your use of them is subject to these ToS and to any additional developer, API, or partner terms we publish. You must keep any API keys or credentials secure, must not exceed published rate or usage limits, and must not use the APIs to replicate or compete with the Services. We may change, deprecate, or withdraw an API or developer feature on reasonable notice.

6. Paid Services, Fees and Renewal

Certain features of the Platform may be offered on a paid basis (“Paid Services”). Where you subscribe to Paid Services, the applicable fees, billing frequency, and any usage limits will be set out at the point of purchase or in a separate order or agreement. Unless stated otherwise:

  1. fees are stated exclusive of applicable taxes, which you are responsible for paying;
  2. subscriptions renew automatically for successive terms unless cancelled before the renewal date;
  3. fees already paid are non-refundable except where required by applicable law or expressly stated by us; and
  4. we may change fees for future terms on reasonable prior notice.

If any amount due remains unpaid, we may suspend or restrict access to the relevant Paid Services after giving you a reasonable opportunity to resolve the non-payment.

7. Acceptable Use

When accessing or using the Services, you agree that you will not, and will not attempt to:

  1. use the Services in any way that breaches any applicable law or regulation, or that is fraudulent or has any unlawful or fraudulent purpose or effect;
  2. access, interfere with, damage or disrupt any part of the Services, any equipment or network on which the Services are stored, or any software used in providing the Services;
  3. introduce any viruses, trojans, worms, or other material that is malicious or technologically harmful;
  4. use any robot, spider, scraper or other automated means to access, monitor, harvest or copy content from the Services without our prior written consent;
  5. attempt to gain unauthorised access to the Services, any server on which they are stored, or any server, computer or database connected to them;
  6. use the Services to transmit any material that is defamatory, obscene, offensive, or that infringes the rights of any other person; or
  7. use the Services, or any output of the Services, to build or train a competing product or service, or to circumvent any usage limits or access controls.

We may suspend, restrict or terminate your access to the Services, with or without notice, where we reasonably consider that you have breached this section.

8. Service Availability and Maintenance

We do not warrant that access to the Services will be uninterrupted, timely, error-free, or that any identified defect will be corrected. We do not warrant that the Services are free from viruses or other harmful code, or that such code will not be transmitted in connection with your use of the Services.

We may, at any time and without prior notice, carry out updates, technical repairs, or maintenance, or improve the Services. This may result in temporary disruption or unavailability. We will not be liable for any such disruption, or for any loss of data or consequential damage arising from it, though we will use reasonable efforts to schedule significant planned maintenance to minimise disruption.

9. Suspension and Termination

You may stop using the Services at any time and, where you hold an account, you may close it through the account controls or by contacting us.

We may suspend, restrict or terminate your access to all or part of the Services, with immediate effect where necessary, if: (a) you breach these ToS or any applicable additional terms; (b) we are required to do so by law or by a regulator; (c) providing the Services to you would create a security, legal or reputational risk; or (d) for Paid Services, you fail to pay amounts due. Where practicable and lawful, we will give you notice and an opportunity to remedy the issue.

On termination, your right to access the Services ends immediately. Sections that by their nature should survive termination — including Intellectual Property, Indemnity, Limitation of Liability, Governing Law, and Definitions — will continue to apply.

10. Your Content and Submissions

Any information you submit to us through the Services (for example, through an enquiry or contact form), other than personal data governed by our Privacy Policy, will be treated as non-confidential. You grant us a non-exclusive, royalty-free, worldwide licence to use, reproduce and act upon any ideas, concepts, know-how or techniques contained in such information for any purpose, and we are not subject to any obligation of confidentiality in respect of that information except as required by law or as separately agreed with you in writing.

You are responsible for ensuring that any information you submit is accurate, lawful, and does not infringe the rights of any third party. Messages sent over the Internet cannot be guaranteed to be fully secure, and we are not responsible for any loss arising from communications sent to or from us over the Internet.

11. AI and Automated Features

Parts of the Services may use artificial intelligence, machine learning, or other automated processing to generate suggestions, summaries, or other output (“AI Output”). AI Output is provided to assist you and may be incomplete, inaccurate, or not suitable for your particular circumstances.

  1. You are responsible for reviewing AI Output before relying on or acting on it, and a human remains accountable for any decision made using it.
  2. AI Output does not constitute insurance, financial, legal or other professional advice (see Section 12).
  3. You must not use AI features to generate unlawful, infringing, or harmful content, or to attempt to extract underlying models, prompts, or training data.

We make no warranty that AI Output is accurate, complete, or fit for any particular purpose, and our liability for AI Output is subject to Sections 15 and 17.

12. No Offer, Solicitation or Advice

The Services provide general information about discovermarket and its programmes. Nothing on the Services constitutes, or should be relied upon as, insurance, financial, legal or other professional advice, nor an offer or solicitation to buy, sell or arrange any insurance product or service.

The products and services referred to on the Services are made available only in jurisdictions, and to persons, where and to whom they may lawfully be offered. The Services are not directed at any person in any jurisdiction where their publication or availability would be contrary to applicable law or regulation, and persons who access the Services are responsible for observing all applicable local restrictions. You should obtain your own independent professional advice before acting on any information contained on the Services.

13. Third-party Content and Systems

The Services may contain, or provide links to, other websites, content or systems owned or operated by third parties. Unless we expressly state otherwise, these are not under our control. We assume no responsibility and are not liable for any errors, delays, or other consequences arising from accessing, or delays in accessing, such third-party websites, content or systems, or for any actions taken in reliance on them, and we disclaim liability for all forms of loss or damage arising out of their use.

Where you access or use any third-party system through the Services, we are not a party to any transaction between you and that third party.

14. Intellectual Property

All trademarks displayed on the Services are registered and unregistered trademarks of discovermarket, its related corporations, and/or third parties. Nothing on the Services should be construed as granting, by implication or otherwise, any licence or right to use any trademark without our prior written permission or that of the applicable trademark owner. The name “discovermarket” may not be used in any way without our prior written permission.

All Content on the Services is the property of discovermarket, its related corporations, and/or third parties, and is protected by intellectual property laws. Except as expressly permitted by these ToS or with our prior written permission, you may not reproduce, republish, copy, display, broadcast, hyperlink, mirror, frame, transfer, transmit, distribute, store, or otherwise re-use the Content in any manner or by any means.

15. Disclaimer of Warranties

To the maximum extent permitted by applicable law, all information and Content published on the Services is provided “as is” and “as available”, without any express or implied warranty of any kind, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant the accuracy, adequacy or completeness of the information published on the Services and expressly disclaim liability for all errors or omissions. We may, at our sole discretion, change, delete or replace the Services or any Content or part of them. Nothing published on the Services is intended or should be construed as financial advice or a recommendation to take up or dispose of an investment product.

16. Indemnity

You agree to indemnify and hold harmless discovermarket, its related corporations, and the persons handling or otherwise providing access to the Services, from and against any and all claims, actions, demands, proceedings, liabilities and judgments, and against all losses, taxes, expenses, costs and legal fees (present, future, contingent or otherwise, on an indemnity basis), suffered or incurred by any of the indemnified persons as a result of, or in connection with, your breach of these ToS or your misuse of the Services.

17. Limitation of Liability

Unless the Limitation of Liability clauses are covered and governed by the Master Service Agreement or Licensing Agreement signed between discovermarket and you, the following clause will apply.

To the maximum extent permitted by applicable law, discovermarket shall not be liable for (i) any loss of profit, business, goodwill or revenue, (ii) any loss or corruption of data, or (iii) any special, indirect, incidental or consequential loss or damage of any nature, in each case arising out of or in connection with your access to or use of the Services.

To the maximum extent permitted by applicable law, our total aggregate liability arising out of or in connection with your access to or use of the Services shall not exceed the greater of (a) the total fees you paid to us for the relevant Paid Services in the twelve (12) months before the event giving rise to the claim, or (b) one hundred Singapore dollars (SGD 100).

Nothing in these ToS excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

18. Rights of Third Parties

Except for the indemnified persons named in Section 16 and our related corporations (who may enforce the terms that benefit them), nothing in these ToS is intended to, nor shall, create any right enforceable by any third party under the Contracts (Rights of Third Parties) Act of Singapore or otherwise.

19. Governing Law and Jurisdiction

These ToS, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims), are governed by and construed in accordance with the laws of Singapore.

Each party submits to the exclusive jurisdiction of the courts of Singapore, except that this does not deprive a consumer of the protection of any mandatory law of the country in which they reside.

20. General

Severability

If any provision of these ToS is found to be or becomes unlawful, invalid or unenforceable, that provision is deemed severed from these ToS and does not affect the legality, validity or enforceability of the remaining provisions, which continue in force.

Assignment

You may not assign or transfer your rights or obligations under these ToS without our prior written consent. We may assign or transfer our rights and obligations to a related corporation or in connection with a merger, acquisition or sale of assets, on notice to you.

Entire agreement

These ToS, together with the Privacy Policy and any applicable additional terms, constitute the entire agreement between you and us regarding the Services, and supersede any prior agreement on that subject.

Waiver

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

Force majeure

We are not liable for any failure or delay in performing our obligations where that failure or delay results from events beyond our reasonable control, including acts of God, failures of telecommunications or internet infrastructure, cyber-attacks, epidemics, or governmental action.

Interpretation

No rule of interpretation to the effect that ambiguities are construed against the drafting party applies to these ToS. The headings are for convenience of reference only and do not affect interpretation.

21. How to Contact Us

If you have any questions about these ToS, or need to send us a notice, please contact us at:

discoveric Marketplace AG

General & legal enquiries: legal@discovermarket.com

Data Protection Officer: dpo@discovermarket.com

Web: www.discovermarket.com

For questions about how we handle personal data, or to exercise your data-protection rights, please contact our Data Protection Officer at the address above. Data-handling matters are governed by our Privacy Policy.

22. Definitions

“AI Output” suggestions, summaries, or other content generated by artificial intelligence or automated features within the Services.

“Content” information, applications, programmes, text, graphics, logos, icons, images, sound clips, video clips, data compilations and any other material displayed on the Services, including page layout, underlying code and software.

“Paid Services” any features of the Platform offered on a paid or subscription basis.

“Platform” discovermarket’s online platform and related account-based services, accessed via desktop or mobile.

“Privacy Policy” the policy describing how we collect, use and protect personal data, and how we use cookies and similar technologies, in connection with the Services, as updated from time to time.

“Services” the Website and the Platform, together.

“ToS” these Terms of Service, as revised, amended or supplemented from time to time.

“Trademarks” the trademarks, service marks and trade names used and displayed on the Services.

“discovermarket” discoveric Marketplace AG and all its subsidiaries.

“Website” the internet location, all pages and Content for discovermarket, accessed via desktop or mobile, at www.discovermarket.com.