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The services performed by the Platform that facilitates the Deferred Payment Structure shall be referred to as the “Atome Services”.įor the avoidance of doubt, the Atome Services do not constitute a lending or credit facility offered by Atome to you, and Atome does not provide any credit to you. We operate a Platform on which participating retailers, merchants, stores or owners of websites of online stores (“Merchants”) offer you the option to make payment for their goods and/or services (“Merchant Services”) on a deferred and interest-free basis (“Deferred Payment Structure”). These Terms shall govern your use of the Atome website, including any subdomains thereof, and any other websites through which Atome makes its services available, our mobile, tablet and other smart device applications, and application program interfaces (collectively, the “Platform”) and the services provided through the Platform in the manner described in Clause 2.1.

These Terms are a legally binding agreement between you ( “you”, “your” or the “Customer”) and APaylater Financials Pte Ltd doing business as Atome ( “we”, “us”, “our”, “Atome”) (collectively, the “Parties” and each a “Party”). You should print a copy of these Terms for your records. The headings contained in this document are for reference purposes only. By using the Platform and the Atome Services, you agree to be bound by these Terms and are deemed to have executed these Terms electronically. Please read these Terms of Service (“Terms”) carefully.

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