Bentamo OS - Business Suite
Create your account to start using your workspace.
Modular business apps in one dashboard
Business-scoped transactions, billing, and users
Multi-business-ready operations with role controls
Create Account
Register your business on BNTM Hub and start managing operations in one place.
Terms and Agreement
Scroll to the bottom to enable the agreement button.
BENTAMO OS MASTER TERMS OF SERVICE, DATA PROCESSING, SERVICE LEVEL, AND FINTECH COMPLIANCE AGREEMENT
Effective Date: April 6,2026
Last Updated: April 6,2026
1. INTRODUCTION, NATURE OF AGREEMENT, AND BINDING EFFECT
1.1 This Master Agreement (“Agreement”) constitutes a legally binding contract between BNTM Technologies Inc., operating under the brand name Bentamo (“Bentamo,” “Company,” “We,” or “Us”), and any individual or juridical entity (“User,” “Client,” “Subscriber,” or “You”) accessing or using Bentamo OS. This Agreement governs all rights, obligations, and responsibilities arising from the use of the Platform. By accessing or using the Platform, You acknowledge that You have read and understood the terms herein. You further agree that such use constitutes valid and enforceable acceptance under applicable laws. This Agreement shall have the same legal effect as a written and signed contract.
1.2 Bentamo OS is a centralized digital operating system designed to unify multi-business processes, including finance, inventory, CRM, analytics, and integrated third-party services. The Platform may evolve over time through updates, upgrades, or modifications. Users acknowledge that continued use constitutes acceptance of such changes. The Platform is provided on a software-as-a-service (SaaS) basis. Access is conditional upon compliance with this Agreement.
1.3 This Agreement consolidates multiple legal frameworks, including Terms of Service, Data Processing Agreement, Service Level Agreement, and Fintech Compliance provisions. Each framework is integral and inseparable from the overall Agreement. In the event of conflict, provisions shall be interpreted harmoniously. Users agree that all sections collectively define their legal relationship with Bentamo. No section shall be interpreted in isolation where context requires otherwise.
1.4 If You are entering into this Agreement on behalf of an organization, You represent that You are duly authorized to bind such entity. You further warrant that such authorization has not been revoked or limited. Any misrepresentation of authority shall constitute a material breach. Bentamo reserves the right to request proof of such authority. Liability shall extend to both the individual and the represented entity.
1.5 If You do not agree to any provision of this Agreement, You must immediately cease use of the Platform. Continued access shall be deemed acceptance of all terms. Bentamo shall not be liable for unauthorized use after notice of disagreement. Users bear the responsibility of discontinuing access. Failure to do so constitutes binding consent.
2. DEFINITIONS AND INTERPRETATION
2.1 “Platform” refers to Bentamo OS, including all systems, APIs, modules, and services provided by Bentamo. This includes future updates, enhancements, and integrations. The Platform may operate across multiple devices and environments. Users acknowledge that availability may vary depending on technical conditions. All references to the Platform include its components collectively.
2.2 “User” refers to any individual or entity accessing or using the Platform. This includes administrators, employees, agents, and authorized representatives. Users may act in personal or organizational capacity. Responsibility extends to all actions performed under a registered account. Unauthorized use shall still be attributable to the registered User.
2.3 “Controller” refers to the User who determines the purpose and means of processing Personal Data. The Controller assumes primary responsibility for data compliance. This includes ensuring lawful basis for processing. The Controller must provide instructions to the Processor. Liability for misuse of data rests with the Controller.
2.4 “Processor” refers to Bentamo, which processes Personal Data on behalf of the User. The Processor acts strictly in accordance with documented instructions. The Processor does not assume ownership of data. Responsibilities include secure handling and processing. The Processor shall not process data beyond agreed purposes.
2.5 “Personal Data” refers to any information relating to an identified or identifiable natural person. This includes direct and indirect identifiers. Personal Data may be structured or unstructured. Users are responsible for ensuring lawful collection. Bentamo processes such data only as instructed.
2.6 “Financial Partner” refers to third-party providers facilitating financial services within the Platform. These may include payment processors, banks, and lending institutions. Each partner operates under its own regulatory framework. Users acknowledge separate contractual obligations with such partners. Bentamo acts only as an intermediary.
3. LEGAL CAPACITY, ELIGIBILITY, AND REGULATORY COMPLIANCE
3.1.1 You represent that You are legally capable of entering into binding agreements. You confirm that no legal restriction prevents Your participation. You assume full responsibility for any misrepresentation. Bentamo may request verification at any time. Failure to comply may result in termination.
3.1.2 You warrant authority to bind any organization You represent. This includes contractual and financial obligations. You accept liability for unauthorized representation. Bentamo is not required to independently verify authority. Disputes arising from misrepresentation shall be borne by You.
3.1.3 You agree to comply with all applicable laws governing Your use of the Platform. This includes taxation, data protection, and commercial laws. Compliance obligations remain solely with You. Bentamo shall not provide legal compliance guarantees. Violations may result in suspension.
3.2.1 You agree to comply with the Data Privacy Act of 2012. You acknowledge obligations as a data controller. You must ensure lawful data collection and consent. You must implement safeguards within Your organization. Bentamo acts only as processor.
3.2.2 You agree to comply with regulations issued by the Bangko Sentral ng Pilipinas. Financial activities conducted through the Platform must adhere to regulatory standards. You bear responsibility for compliance. Bentamo is not a regulated financial institution. Violations may lead to service restriction.
3.2.3 You agree to comply with Anti-Money Laundering laws. You shall not use the Platform for illicit financial activity. You must cooperate with lawful investigations. Bentamo may monitor and report suspicious activities. Non-compliance results in termination.
3.2.4 You agree to comply with cybersecurity and e-commerce laws. You shall not introduce malicious software. You must maintain internal security controls. Bentamo shall not be liable for User-side vulnerabilities. Violations may result in account suspension.
4. ACCOUNT REGISTRATION, SECURITY, AND CONTROL
4.1 Users are required to register an account to access and utilize the Platform. Registration shall require the submission of accurate, complete, and up-to-date information, including but not limited to identification, business details, and contact information. The User represents and warrants that all information provided is truthful and not misleading. Bentamo reserves the right to verify such information through appropriate means. Failure to provide accurate information may result in suspension or termination of the account.
4.2 Users shall be solely responsible for maintaining the confidentiality and security of their account credentials, including usernames, passwords, API keys, and access tokens. Users must implement appropriate internal controls to restrict unauthorized access within their organization. Any activity performed under the User’s account shall be deemed authorized by the User. Bentamo shall not be liable for any loss or damage resulting from unauthorized use due to negligence. Users are encouraged to adopt multi-factor authentication and security best practices.
4.3 Users shall exercise full control over access permissions granted to employees, agents, or third-party representatives. It is the responsibility of the User to ensure that all authorized personnel comply with this Agreement. Users must immediately revoke access for individuals who are no longer authorized. Bentamo shall not monitor internal access control decisions of Users. Any misuse by authorized personnel shall be attributed to the User.
4.4 Users must immediately notify Bentamo of any unauthorized access, suspected breach, or compromise of account credentials. Such notification must include sufficient details to allow Bentamo to assess and respond appropriately. Bentamo may take temporary measures, including account suspension, to prevent further unauthorized activity. Users shall cooperate fully in any investigation or remediation process. Failure to report incidents promptly may increase liability exposure.
4.5 Bentamo shall implement reasonable security measures to protect account integrity but does not guarantee absolute security. Users acknowledge that cybersecurity threats evolve and may bypass safeguards. Bentamo shall not be liable for breaches resulting from User-side vulnerabilities. Users are responsible for securing their devices, networks, and internal systems. Shared responsibility applies to overall account security.
5. LICENSE GRANT AND PLATFORM USAGE RIGHTS
5.1 Subject to compliance with this Agreement, Bentamo grants the User a limited, non-exclusive, non-transferable, revocable license to access and use the Platform. This license is granted solely for internal business operations and lawful purposes. The license does not confer ownership or intellectual property rights. Users acknowledge that access is conditional and may be revoked at any time. Continued use is subject to compliance with all provisions herein.
5.2 The User agrees to use the Platform strictly in accordance with applicable laws and this Agreement. The Platform shall not be used for unlawful, fraudulent, or abusive purposes. Users must ensure that all activities conducted through the Platform are legitimate and authorized. Bentamo reserves the right to monitor usage for compliance purposes. Any misuse may result in immediate suspension.
5.3.1 Users shall not reverse engineer, decompile, disassemble, or attempt to derive the source code of the Platform. Such actions are strictly prohibited and constitute a violation of intellectual property rights. Users acknowledge that the Platform contains proprietary technology and confidential information. Unauthorized access to such information may result in legal action. Bentamo reserves all rights not expressly granted.
5.3.2 Users shall not use the Platform for illegal, fraudulent, or unauthorized activities. This includes but is not limited to financial fraud, identity theft, and data misuse. Users shall ensure that their operations comply with applicable laws. Bentamo may investigate and report suspected illegal activities. Violations shall result in immediate termination.
5.3.3 Users shall not resell, sublicense, lease, or commercially exploit the Platform without prior written consent from Bentamo. The Platform is licensed, not sold, and may not be redistributed. Unauthorized commercialization shall constitute a material breach. Bentamo reserves the right to pursue legal remedies. Users shall be liable for damages resulting from such violations.
5.3.4 Users shall not attempt to gain unauthorized access to the Platform, systems, or infrastructure. This includes bypassing security measures or exploiting vulnerabilities. Users must not engage in penetration testing without authorization. Any attempt to compromise system integrity is strictly prohibited. Violations may result in legal consequences.
5.3.5 Users shall not interfere with system performance, availability, or security. This includes introducing malicious code, excessive load, or disruptive behavior. Users must ensure responsible use of resources. Bentamo may restrict usage to maintain system stability. Abuse of system resources may result in suspension.
6. PLATFORM ARCHITECTURE, MODULES, AND THIRD-PARTY INTEGRATIONS
6.1 The Platform operates on a modular architecture consisting of various functional components such as finance, inventory, CRM, analytics, and integrations. Each module may operate independently or in conjunction with others. Users may enable or disable modules based on their subscription plan. The modular design allows flexibility and scalability. Bentamo reserves the right to enhance or modify modules.
6.2 Access to modules and features is determined by the Subscription Plan selected by the User. Different plans may include varying levels of functionality, usage limits, and support. Users acknowledge that upgrading or downgrading plans may affect access. Bentamo may introduce new plans or pricing structures. Continued use constitutes acceptance of such changes.
6.3 Bentamo reserves the right to modify, upgrade, suspend, or discontinue any module or feature at its sole discretion. Such changes may be necessary for system improvements, security, or regulatory compliance. Bentamo shall provide reasonable notice where practicable. Users acknowledge that certain features may become unavailable. Bentamo shall not be liable for such modifications.
6.4 The Platform may integrate with third-party services, including APIs, financial providers, and external systems. These integrations are provided for convenience and extended functionality. Users acknowledge that third-party services operate independently. Use of such services is subject to their respective terms. Bentamo does not control third-party operations.
6.5 Bentamo shall not be liable for any disruptions, errors, or damages caused by third-party integrations. Users acknowledge that reliance on third-party services carries inherent risks. Bentamo does not guarantee the availability or performance of external services. Users must resolve disputes directly with third-party providers. Integration does not imply endorsement or liability.
7. DATA PROCESSING AGREEMENT (DPA)
7.1.1 The User acts as Data Controller and determines the purpose of processing. The User is responsible for compliance with data laws. The User must ensure lawful basis for data use. Bentamo acts only upon instructions. Liability rests with the User.
7.1.2 Bentamo acts as Data Processor and processes data only as instructed. Bentamo shall not use data for independent purposes. Processing is limited to service delivery. Bentamo shall implement safeguards. Data shall not be retained beyond necessity.
7.2.1 Bentamo processes data to provide services. This includes storage, analytics, and system operations. Processing is limited to operational needs. Data shall not be sold or misused. Users retain ownership.
7.3.1 Data categories include personal identifiers, financial data, and system logs. Processing scope depends on User activity. Sensitive data must be handled with additional safeguards. Users must ensure legality of input. Bentamo processes accordingly.
7.4.1 Bentamo shall implement encryption, access controls, and monitoring systems. Security measures shall align with industry standards. Bentamo shall restrict access to authorized personnel. Regular audits may be conducted. Absolute security is not guaranteed.
7.5.1 Bentamo shall assist Users in fulfilling data subject rights. This includes access, correction, and deletion. Requests shall be processed within reasonable time. Users remain responsible for compliance. Bentamo acts as facilitator.
8. FINTECH AND PAYMENT COMPLIANCE FRAMEWORK
8.1 Bentamo may integrate with financial services such as Maya. These integrations enable payment processing and financial operations. Bentamo does not operate as a bank. All financial services are provided by regulated partners. Users must comply with partner terms.
8.2 Bentamo does not hold funds unless explicitly authorized. Funds are processed through third-party providers. Bentamo is not a custodian of funds. Liability for financial transactions rests with providers. Users acknowledge associated risks.
8.3 Users acknowledge that financial services are governed by third-party agreements. Bentamo is not liable for failures or delays. Users must resolve disputes with providers. Bentamo acts only as facilitator. Regulatory compliance remains external.
8.4 Payment flows may include conditional or time-based releases. These are executed via partner APIs. Bentamo does not control fund custody. Users assume risk in transaction timing. Platform logic does not replace legal financial systems.
8.5 Users agree to comply with KYC and AML requirements. This includes identity verification and transaction monitoring. Users must provide accurate financial information. Bentamo may enforce compliance measures. Non-compliance leads to termination.
9. SERVICE LEVEL AGREEMENT (SLA)
9.1 Bentamo targets 99.5% uptime monthly. This excludes maintenance and force majeure events. Availability is not guaranteed. Users accept risk of downtime. Performance depends on external factors.
9.2 Maintenance may be scheduled or emergency. Scheduled maintenance shall be announced. Emergency maintenance may occur without notice. Downtime may occur during updates. Bentamo minimizes disruptions.
9.3 Incident response times vary by severity. Critical issues are prioritized. Response does not guarantee resolution time. Users must cooperate in troubleshooting. Support is limited to scope of services.
9.4 Support services include technical assistance and onboarding. Availability depends on subscription plan. Response times are not guaranteed. Support may be limited during peak periods. Users must follow support protocols.
9.5 Service credits may be issued at Bentamo’s discretion. Credits are not guaranteed. Credits do not constitute liability. Users waive claims beyond credits. Compensation is limited.
10. PAYMENT TERMS
10.1 Users agree to pay all applicable subscription fees associated with their selected Subscription Plan. Fees shall be charged in accordance with the billing cycle specified at the time of subscription. Users acknowledge that access to certain modules and features is contingent upon timely payment. Bentamo reserves the right to modify pricing upon reasonable prior notice. Continued use after such notice constitutes acceptance of revised fees.
10.2 Billing may be conducted on a monthly, annual, or customized basis depending on the agreed Subscription Plan. Users authorize Bentamo or its designated payment processors to charge applicable fees automatically. Failure to maintain valid payment methods may result in service disruption. Users are responsible for ensuring sufficient funds or credit availability. All billing records maintained by Bentamo shall be deemed accurate unless disputed within a reasonable period.
10.3 All fees paid are non-refundable except where expressly provided by Bentamo in writing. Users acknowledge that subscription services are consumed upon access. Partial usage does not entitle Users to refunds or credits. Bentamo may, at its sole discretion, provide goodwill credits in exceptional circumstances. Such credits shall not constitute an obligation or precedent.
10.4 Bentamo reserves the right to suspend or terminate services in the event of non-payment. Suspension may occur without prior notice where payment obligations are materially breached. Users shall remain liable for all outstanding balances. Reactivation of services may be subject to additional fees. Persistent non-payment may result in permanent account termination.
11. INTELLECTUAL PROPERTY RIGHTS
11.1 All intellectual property rights in and to the Platform, including but not limited to software, code, algorithms, designs, trademarks, and documentation, shall remain the exclusive property of Bentamo. Users are granted only limited usage rights under this Agreement. No ownership rights are transferred. Unauthorized use constitutes infringement. Bentamo reserves all rights not expressly granted.
11.2 Users shall not copy, reproduce, distribute, modify, or create derivative works of any part of the Platform without prior written consent. This includes both technical and visual components. Users acknowledge that the Platform contains proprietary and confidential technology. Any violation may result in legal action. Remedies may include damages and injunctive relief.
12. CONFIDENTIALITY
12.1 Users agree to maintain strict confidentiality of all Confidential Information obtained through use of the Platform. This includes system architecture, workflows, algorithms, and business processes. Confidential Information shall not be disclosed to third parties without prior written consent. Users shall implement safeguards to prevent unauthorized disclosure. This obligation applies during and after termination.
12.2 Users shall use Confidential Information solely for purposes permitted under this Agreement. Any unauthorized use is strictly prohibited. Users must ensure that employees and agents comply with confidentiality obligations. Breach of confidentiality shall constitute a material breach. Bentamo reserves the right to pursue legal remedies.
13. LIMITATION OF LIABILITY
13.1 To the maximum extent permitted by law, Bentamo shall not be liable for indirect, incidental, consequential, or punitive damages. This includes loss of profits, revenue, business opportunities, or data. Users acknowledge that the Platform is provided on an “as-is” basis. Risks associated with use are borne by the User. Bentamo does not guarantee uninterrupted or error-free operation.
13.2 Bentamo shall not be liable for financial losses arising from third-party financial integrations or transaction failures. Users acknowledge that financial services are provided by external partners. Bentamo does not control or guarantee such services. Liability for financial transactions rests with the respective Financial Partner. Users assume all risks related to such transactions.
13.3 In no event shall Bentamo’s total liability exceed the total fees paid by the User within the last billing cycle preceding the claim. This limitation applies regardless of the nature of the claim. Users agree that this limitation is reasonable and proportionate. Liability caps are essential to maintaining service affordability. Users waive claims exceeding this limit.
14. INDEMNIFICATION
14.1 Users agree to indemnify, defend, and hold harmless Bentamo, its officers, directors, employees, and affiliates from any claims, liabilities, damages, losses, or expenses arising from their use of the Platform. This includes claims arising from misuse, negligence, or breach of this Agreement. Indemnification obligations extend to legal fees and settlement costs. Users shall cooperate in defense efforts. Bentamo reserves the right to assume exclusive defense control.
14.2 Indemnification shall also apply to violations of laws, infringement of third-party rights, and data-related disputes. Users are solely responsible for ensuring lawful use of the Platform. Any claim arising from User-provided Data shall be borne by the User. Bentamo shall not be liable for such claims. Users shall promptly notify Bentamo of any potential claim.
15. TERMINATION
15.1 Users may terminate their account at any time by discontinuing use of the Platform. Termination does not relieve Users of outstanding obligations. Users must settle all unpaid fees prior to closure. Data retrieval may be subject to applicable procedures. Bentamo may retain data as required by law.
15.2 Bentamo may suspend or terminate access for violations of this Agreement, non-payment, or unlawful activity. Termination may occur without prior notice in severe cases. Bentamo shall determine severity at its discretion. Users shall not be entitled to compensation for termination. Access may be permanently revoked.
15.3 Upon termination, all rights granted under this Agreement shall cease. Users shall immediately discontinue use of the Platform. Data may be deleted after a reasonable retention period. Users are responsible for exporting necessary data prior to termination. Bentamo shall not be liable for data loss after deletion.
16. GOVERNING LAW AND JURISDICTION
16.1 This Agreement shall be governed by and construed in accordance with the laws of the Republic of the Philippines. All provisions shall be interpreted under Philippine legal principles. Users agree to submit to local jurisdiction. Applicable laws shall prevail in case of conflict. This clause ensures legal clarity.
16.2 Any disputes arising out of or relating to this Agreement shall be subject to the exclusive jurisdiction of the appropriate courts in the Philippines. Users waive objections to venue. Disputes shall be resolved through lawful proceedings. Parties may attempt amicable settlement prior to litigation. Jurisdiction is mandatory and binding.
17. AMENDMENTS
17.1 Bentamo reserves the right to modify, update, or revise this Agreement at any time. Changes may reflect legal, operational, or technological developments. Users shall be notified of material changes. Continued use constitutes acceptance of updated terms. Users are responsible for reviewing updates.
17.2 If Users do not agree to amendments, they must discontinue use of the Platform. Failure to do so constitutes binding acceptance. Bentamo shall not be liable for lack of awareness of updates. Users bear responsibility for compliance. Amendments take effect upon publication unless otherwise stated.
18. ENTIRE AGREEMENT
18.1 This Agreement constitutes the entire agreement between the parties and supersedes all prior agreements, communications, and understandings. No oral or written statements outside this Agreement shall have legal effect. Any waiver must be in writing. Invalid provisions shall not affect remaining clauses. The Agreement shall remain enforceable in full.
19. CONTACT INFORMATION
19.1 For inquiries, legal concerns, or support, Users may contact:
BNTM Technologies Inc.
Website: www.bentamo.site
Email: info@bentamo.site
19.2 Bentamo shall make reasonable efforts to respond to inquiries within a reasonable timeframe. Response times may vary depending on complexity. Users must provide complete details when contacting support. Bentamo reserves the right to prioritize requests. Communication shall be conducted through official channels.
20. ACKNOWLEDGEMENT
20.1 By accessing or using Bentamo OS, You acknowledge that You have read, understood, and agreed to be bound by this Agreement. This acknowledgement constitutes valid consent under applicable laws. Users accept all risks associated with Platform use. This Agreement is enforceable to the fullest extent permitted by law. Continued use confirms acceptance.
Effective Date: April 6,2026
Last Updated: April 6,2026
1. INTRODUCTION, NATURE OF AGREEMENT, AND BINDING EFFECT
1.1 This Master Agreement (“Agreement”) constitutes a legally binding contract between BNTM Technologies Inc., operating under the brand name Bentamo (“Bentamo,” “Company,” “We,” or “Us”), and any individual or juridical entity (“User,” “Client,” “Subscriber,” or “You”) accessing or using Bentamo OS. This Agreement governs all rights, obligations, and responsibilities arising from the use of the Platform. By accessing or using the Platform, You acknowledge that You have read and understood the terms herein. You further agree that such use constitutes valid and enforceable acceptance under applicable laws. This Agreement shall have the same legal effect as a written and signed contract.
1.2 Bentamo OS is a centralized digital operating system designed to unify multi-business processes, including finance, inventory, CRM, analytics, and integrated third-party services. The Platform may evolve over time through updates, upgrades, or modifications. Users acknowledge that continued use constitutes acceptance of such changes. The Platform is provided on a software-as-a-service (SaaS) basis. Access is conditional upon compliance with this Agreement.
1.3 This Agreement consolidates multiple legal frameworks, including Terms of Service, Data Processing Agreement, Service Level Agreement, and Fintech Compliance provisions. Each framework is integral and inseparable from the overall Agreement. In the event of conflict, provisions shall be interpreted harmoniously. Users agree that all sections collectively define their legal relationship with Bentamo. No section shall be interpreted in isolation where context requires otherwise.
1.4 If You are entering into this Agreement on behalf of an organization, You represent that You are duly authorized to bind such entity. You further warrant that such authorization has not been revoked or limited. Any misrepresentation of authority shall constitute a material breach. Bentamo reserves the right to request proof of such authority. Liability shall extend to both the individual and the represented entity.
1.5 If You do not agree to any provision of this Agreement, You must immediately cease use of the Platform. Continued access shall be deemed acceptance of all terms. Bentamo shall not be liable for unauthorized use after notice of disagreement. Users bear the responsibility of discontinuing access. Failure to do so constitutes binding consent.
2. DEFINITIONS AND INTERPRETATION
2.1 “Platform” refers to Bentamo OS, including all systems, APIs, modules, and services provided by Bentamo. This includes future updates, enhancements, and integrations. The Platform may operate across multiple devices and environments. Users acknowledge that availability may vary depending on technical conditions. All references to the Platform include its components collectively.
2.2 “User” refers to any individual or entity accessing or using the Platform. This includes administrators, employees, agents, and authorized representatives. Users may act in personal or organizational capacity. Responsibility extends to all actions performed under a registered account. Unauthorized use shall still be attributable to the registered User.
2.3 “Controller” refers to the User who determines the purpose and means of processing Personal Data. The Controller assumes primary responsibility for data compliance. This includes ensuring lawful basis for processing. The Controller must provide instructions to the Processor. Liability for misuse of data rests with the Controller.
2.4 “Processor” refers to Bentamo, which processes Personal Data on behalf of the User. The Processor acts strictly in accordance with documented instructions. The Processor does not assume ownership of data. Responsibilities include secure handling and processing. The Processor shall not process data beyond agreed purposes.
2.5 “Personal Data” refers to any information relating to an identified or identifiable natural person. This includes direct and indirect identifiers. Personal Data may be structured or unstructured. Users are responsible for ensuring lawful collection. Bentamo processes such data only as instructed.
2.6 “Financial Partner” refers to third-party providers facilitating financial services within the Platform. These may include payment processors, banks, and lending institutions. Each partner operates under its own regulatory framework. Users acknowledge separate contractual obligations with such partners. Bentamo acts only as an intermediary.
3. LEGAL CAPACITY, ELIGIBILITY, AND REGULATORY COMPLIANCE
3.1.1 You represent that You are legally capable of entering into binding agreements. You confirm that no legal restriction prevents Your participation. You assume full responsibility for any misrepresentation. Bentamo may request verification at any time. Failure to comply may result in termination.
3.1.2 You warrant authority to bind any organization You represent. This includes contractual and financial obligations. You accept liability for unauthorized representation. Bentamo is not required to independently verify authority. Disputes arising from misrepresentation shall be borne by You.
3.1.3 You agree to comply with all applicable laws governing Your use of the Platform. This includes taxation, data protection, and commercial laws. Compliance obligations remain solely with You. Bentamo shall not provide legal compliance guarantees. Violations may result in suspension.
3.2.1 You agree to comply with the Data Privacy Act of 2012. You acknowledge obligations as a data controller. You must ensure lawful data collection and consent. You must implement safeguards within Your organization. Bentamo acts only as processor.
3.2.2 You agree to comply with regulations issued by the Bangko Sentral ng Pilipinas. Financial activities conducted through the Platform must adhere to regulatory standards. You bear responsibility for compliance. Bentamo is not a regulated financial institution. Violations may lead to service restriction.
3.2.3 You agree to comply with Anti-Money Laundering laws. You shall not use the Platform for illicit financial activity. You must cooperate with lawful investigations. Bentamo may monitor and report suspicious activities. Non-compliance results in termination.
3.2.4 You agree to comply with cybersecurity and e-commerce laws. You shall not introduce malicious software. You must maintain internal security controls. Bentamo shall not be liable for User-side vulnerabilities. Violations may result in account suspension.
4. ACCOUNT REGISTRATION, SECURITY, AND CONTROL
4.1 Users are required to register an account to access and utilize the Platform. Registration shall require the submission of accurate, complete, and up-to-date information, including but not limited to identification, business details, and contact information. The User represents and warrants that all information provided is truthful and not misleading. Bentamo reserves the right to verify such information through appropriate means. Failure to provide accurate information may result in suspension or termination of the account.
4.2 Users shall be solely responsible for maintaining the confidentiality and security of their account credentials, including usernames, passwords, API keys, and access tokens. Users must implement appropriate internal controls to restrict unauthorized access within their organization. Any activity performed under the User’s account shall be deemed authorized by the User. Bentamo shall not be liable for any loss or damage resulting from unauthorized use due to negligence. Users are encouraged to adopt multi-factor authentication and security best practices.
4.3 Users shall exercise full control over access permissions granted to employees, agents, or third-party representatives. It is the responsibility of the User to ensure that all authorized personnel comply with this Agreement. Users must immediately revoke access for individuals who are no longer authorized. Bentamo shall not monitor internal access control decisions of Users. Any misuse by authorized personnel shall be attributed to the User.
4.4 Users must immediately notify Bentamo of any unauthorized access, suspected breach, or compromise of account credentials. Such notification must include sufficient details to allow Bentamo to assess and respond appropriately. Bentamo may take temporary measures, including account suspension, to prevent further unauthorized activity. Users shall cooperate fully in any investigation or remediation process. Failure to report incidents promptly may increase liability exposure.
4.5 Bentamo shall implement reasonable security measures to protect account integrity but does not guarantee absolute security. Users acknowledge that cybersecurity threats evolve and may bypass safeguards. Bentamo shall not be liable for breaches resulting from User-side vulnerabilities. Users are responsible for securing their devices, networks, and internal systems. Shared responsibility applies to overall account security.
5. LICENSE GRANT AND PLATFORM USAGE RIGHTS
5.1 Subject to compliance with this Agreement, Bentamo grants the User a limited, non-exclusive, non-transferable, revocable license to access and use the Platform. This license is granted solely for internal business operations and lawful purposes. The license does not confer ownership or intellectual property rights. Users acknowledge that access is conditional and may be revoked at any time. Continued use is subject to compliance with all provisions herein.
5.2 The User agrees to use the Platform strictly in accordance with applicable laws and this Agreement. The Platform shall not be used for unlawful, fraudulent, or abusive purposes. Users must ensure that all activities conducted through the Platform are legitimate and authorized. Bentamo reserves the right to monitor usage for compliance purposes. Any misuse may result in immediate suspension.
5.3.1 Users shall not reverse engineer, decompile, disassemble, or attempt to derive the source code of the Platform. Such actions are strictly prohibited and constitute a violation of intellectual property rights. Users acknowledge that the Platform contains proprietary technology and confidential information. Unauthorized access to such information may result in legal action. Bentamo reserves all rights not expressly granted.
5.3.2 Users shall not use the Platform for illegal, fraudulent, or unauthorized activities. This includes but is not limited to financial fraud, identity theft, and data misuse. Users shall ensure that their operations comply with applicable laws. Bentamo may investigate and report suspected illegal activities. Violations shall result in immediate termination.
5.3.3 Users shall not resell, sublicense, lease, or commercially exploit the Platform without prior written consent from Bentamo. The Platform is licensed, not sold, and may not be redistributed. Unauthorized commercialization shall constitute a material breach. Bentamo reserves the right to pursue legal remedies. Users shall be liable for damages resulting from such violations.
5.3.4 Users shall not attempt to gain unauthorized access to the Platform, systems, or infrastructure. This includes bypassing security measures or exploiting vulnerabilities. Users must not engage in penetration testing without authorization. Any attempt to compromise system integrity is strictly prohibited. Violations may result in legal consequences.
5.3.5 Users shall not interfere with system performance, availability, or security. This includes introducing malicious code, excessive load, or disruptive behavior. Users must ensure responsible use of resources. Bentamo may restrict usage to maintain system stability. Abuse of system resources may result in suspension.
6. PLATFORM ARCHITECTURE, MODULES, AND THIRD-PARTY INTEGRATIONS
6.1 The Platform operates on a modular architecture consisting of various functional components such as finance, inventory, CRM, analytics, and integrations. Each module may operate independently or in conjunction with others. Users may enable or disable modules based on their subscription plan. The modular design allows flexibility and scalability. Bentamo reserves the right to enhance or modify modules.
6.2 Access to modules and features is determined by the Subscription Plan selected by the User. Different plans may include varying levels of functionality, usage limits, and support. Users acknowledge that upgrading or downgrading plans may affect access. Bentamo may introduce new plans or pricing structures. Continued use constitutes acceptance of such changes.
6.3 Bentamo reserves the right to modify, upgrade, suspend, or discontinue any module or feature at its sole discretion. Such changes may be necessary for system improvements, security, or regulatory compliance. Bentamo shall provide reasonable notice where practicable. Users acknowledge that certain features may become unavailable. Bentamo shall not be liable for such modifications.
6.4 The Platform may integrate with third-party services, including APIs, financial providers, and external systems. These integrations are provided for convenience and extended functionality. Users acknowledge that third-party services operate independently. Use of such services is subject to their respective terms. Bentamo does not control third-party operations.
6.5 Bentamo shall not be liable for any disruptions, errors, or damages caused by third-party integrations. Users acknowledge that reliance on third-party services carries inherent risks. Bentamo does not guarantee the availability or performance of external services. Users must resolve disputes directly with third-party providers. Integration does not imply endorsement or liability.
7. DATA PROCESSING AGREEMENT (DPA)
7.1.1 The User acts as Data Controller and determines the purpose of processing. The User is responsible for compliance with data laws. The User must ensure lawful basis for data use. Bentamo acts only upon instructions. Liability rests with the User.
7.1.2 Bentamo acts as Data Processor and processes data only as instructed. Bentamo shall not use data for independent purposes. Processing is limited to service delivery. Bentamo shall implement safeguards. Data shall not be retained beyond necessity.
7.2.1 Bentamo processes data to provide services. This includes storage, analytics, and system operations. Processing is limited to operational needs. Data shall not be sold or misused. Users retain ownership.
7.3.1 Data categories include personal identifiers, financial data, and system logs. Processing scope depends on User activity. Sensitive data must be handled with additional safeguards. Users must ensure legality of input. Bentamo processes accordingly.
7.4.1 Bentamo shall implement encryption, access controls, and monitoring systems. Security measures shall align with industry standards. Bentamo shall restrict access to authorized personnel. Regular audits may be conducted. Absolute security is not guaranteed.
7.5.1 Bentamo shall assist Users in fulfilling data subject rights. This includes access, correction, and deletion. Requests shall be processed within reasonable time. Users remain responsible for compliance. Bentamo acts as facilitator.
8. FINTECH AND PAYMENT COMPLIANCE FRAMEWORK
8.1 Bentamo may integrate with financial services such as Maya. These integrations enable payment processing and financial operations. Bentamo does not operate as a bank. All financial services are provided by regulated partners. Users must comply with partner terms.
8.2 Bentamo does not hold funds unless explicitly authorized. Funds are processed through third-party providers. Bentamo is not a custodian of funds. Liability for financial transactions rests with providers. Users acknowledge associated risks.
8.3 Users acknowledge that financial services are governed by third-party agreements. Bentamo is not liable for failures or delays. Users must resolve disputes with providers. Bentamo acts only as facilitator. Regulatory compliance remains external.
8.4 Payment flows may include conditional or time-based releases. These are executed via partner APIs. Bentamo does not control fund custody. Users assume risk in transaction timing. Platform logic does not replace legal financial systems.
8.5 Users agree to comply with KYC and AML requirements. This includes identity verification and transaction monitoring. Users must provide accurate financial information. Bentamo may enforce compliance measures. Non-compliance leads to termination.
9. SERVICE LEVEL AGREEMENT (SLA)
9.1 Bentamo targets 99.5% uptime monthly. This excludes maintenance and force majeure events. Availability is not guaranteed. Users accept risk of downtime. Performance depends on external factors.
9.2 Maintenance may be scheduled or emergency. Scheduled maintenance shall be announced. Emergency maintenance may occur without notice. Downtime may occur during updates. Bentamo minimizes disruptions.
9.3 Incident response times vary by severity. Critical issues are prioritized. Response does not guarantee resolution time. Users must cooperate in troubleshooting. Support is limited to scope of services.
9.4 Support services include technical assistance and onboarding. Availability depends on subscription plan. Response times are not guaranteed. Support may be limited during peak periods. Users must follow support protocols.
9.5 Service credits may be issued at Bentamo’s discretion. Credits are not guaranteed. Credits do not constitute liability. Users waive claims beyond credits. Compensation is limited.
10. PAYMENT TERMS
10.1 Users agree to pay all applicable subscription fees associated with their selected Subscription Plan. Fees shall be charged in accordance with the billing cycle specified at the time of subscription. Users acknowledge that access to certain modules and features is contingent upon timely payment. Bentamo reserves the right to modify pricing upon reasonable prior notice. Continued use after such notice constitutes acceptance of revised fees.
10.2 Billing may be conducted on a monthly, annual, or customized basis depending on the agreed Subscription Plan. Users authorize Bentamo or its designated payment processors to charge applicable fees automatically. Failure to maintain valid payment methods may result in service disruption. Users are responsible for ensuring sufficient funds or credit availability. All billing records maintained by Bentamo shall be deemed accurate unless disputed within a reasonable period.
10.3 All fees paid are non-refundable except where expressly provided by Bentamo in writing. Users acknowledge that subscription services are consumed upon access. Partial usage does not entitle Users to refunds or credits. Bentamo may, at its sole discretion, provide goodwill credits in exceptional circumstances. Such credits shall not constitute an obligation or precedent.
10.4 Bentamo reserves the right to suspend or terminate services in the event of non-payment. Suspension may occur without prior notice where payment obligations are materially breached. Users shall remain liable for all outstanding balances. Reactivation of services may be subject to additional fees. Persistent non-payment may result in permanent account termination.
11. INTELLECTUAL PROPERTY RIGHTS
11.1 All intellectual property rights in and to the Platform, including but not limited to software, code, algorithms, designs, trademarks, and documentation, shall remain the exclusive property of Bentamo. Users are granted only limited usage rights under this Agreement. No ownership rights are transferred. Unauthorized use constitutes infringement. Bentamo reserves all rights not expressly granted.
11.2 Users shall not copy, reproduce, distribute, modify, or create derivative works of any part of the Platform without prior written consent. This includes both technical and visual components. Users acknowledge that the Platform contains proprietary and confidential technology. Any violation may result in legal action. Remedies may include damages and injunctive relief.
12. CONFIDENTIALITY
12.1 Users agree to maintain strict confidentiality of all Confidential Information obtained through use of the Platform. This includes system architecture, workflows, algorithms, and business processes. Confidential Information shall not be disclosed to third parties without prior written consent. Users shall implement safeguards to prevent unauthorized disclosure. This obligation applies during and after termination.
12.2 Users shall use Confidential Information solely for purposes permitted under this Agreement. Any unauthorized use is strictly prohibited. Users must ensure that employees and agents comply with confidentiality obligations. Breach of confidentiality shall constitute a material breach. Bentamo reserves the right to pursue legal remedies.
13. LIMITATION OF LIABILITY
13.1 To the maximum extent permitted by law, Bentamo shall not be liable for indirect, incidental, consequential, or punitive damages. This includes loss of profits, revenue, business opportunities, or data. Users acknowledge that the Platform is provided on an “as-is” basis. Risks associated with use are borne by the User. Bentamo does not guarantee uninterrupted or error-free operation.
13.2 Bentamo shall not be liable for financial losses arising from third-party financial integrations or transaction failures. Users acknowledge that financial services are provided by external partners. Bentamo does not control or guarantee such services. Liability for financial transactions rests with the respective Financial Partner. Users assume all risks related to such transactions.
13.3 In no event shall Bentamo’s total liability exceed the total fees paid by the User within the last billing cycle preceding the claim. This limitation applies regardless of the nature of the claim. Users agree that this limitation is reasonable and proportionate. Liability caps are essential to maintaining service affordability. Users waive claims exceeding this limit.
14. INDEMNIFICATION
14.1 Users agree to indemnify, defend, and hold harmless Bentamo, its officers, directors, employees, and affiliates from any claims, liabilities, damages, losses, or expenses arising from their use of the Platform. This includes claims arising from misuse, negligence, or breach of this Agreement. Indemnification obligations extend to legal fees and settlement costs. Users shall cooperate in defense efforts. Bentamo reserves the right to assume exclusive defense control.
14.2 Indemnification shall also apply to violations of laws, infringement of third-party rights, and data-related disputes. Users are solely responsible for ensuring lawful use of the Platform. Any claim arising from User-provided Data shall be borne by the User. Bentamo shall not be liable for such claims. Users shall promptly notify Bentamo of any potential claim.
15. TERMINATION
15.1 Users may terminate their account at any time by discontinuing use of the Platform. Termination does not relieve Users of outstanding obligations. Users must settle all unpaid fees prior to closure. Data retrieval may be subject to applicable procedures. Bentamo may retain data as required by law.
15.2 Bentamo may suspend or terminate access for violations of this Agreement, non-payment, or unlawful activity. Termination may occur without prior notice in severe cases. Bentamo shall determine severity at its discretion. Users shall not be entitled to compensation for termination. Access may be permanently revoked.
15.3 Upon termination, all rights granted under this Agreement shall cease. Users shall immediately discontinue use of the Platform. Data may be deleted after a reasonable retention period. Users are responsible for exporting necessary data prior to termination. Bentamo shall not be liable for data loss after deletion.
16. GOVERNING LAW AND JURISDICTION
16.1 This Agreement shall be governed by and construed in accordance with the laws of the Republic of the Philippines. All provisions shall be interpreted under Philippine legal principles. Users agree to submit to local jurisdiction. Applicable laws shall prevail in case of conflict. This clause ensures legal clarity.
16.2 Any disputes arising out of or relating to this Agreement shall be subject to the exclusive jurisdiction of the appropriate courts in the Philippines. Users waive objections to venue. Disputes shall be resolved through lawful proceedings. Parties may attempt amicable settlement prior to litigation. Jurisdiction is mandatory and binding.
17. AMENDMENTS
17.1 Bentamo reserves the right to modify, update, or revise this Agreement at any time. Changes may reflect legal, operational, or technological developments. Users shall be notified of material changes. Continued use constitutes acceptance of updated terms. Users are responsible for reviewing updates.
17.2 If Users do not agree to amendments, they must discontinue use of the Platform. Failure to do so constitutes binding acceptance. Bentamo shall not be liable for lack of awareness of updates. Users bear responsibility for compliance. Amendments take effect upon publication unless otherwise stated.
18. ENTIRE AGREEMENT
18.1 This Agreement constitutes the entire agreement between the parties and supersedes all prior agreements, communications, and understandings. No oral or written statements outside this Agreement shall have legal effect. Any waiver must be in writing. Invalid provisions shall not affect remaining clauses. The Agreement shall remain enforceable in full.
19. CONTACT INFORMATION
19.1 For inquiries, legal concerns, or support, Users may contact:
BNTM Technologies Inc.
Website: www.bentamo.site
Email: info@bentamo.site
19.2 Bentamo shall make reasonable efforts to respond to inquiries within a reasonable timeframe. Response times may vary depending on complexity. Users must provide complete details when contacting support. Bentamo reserves the right to prioritize requests. Communication shall be conducted through official channels.
20. ACKNOWLEDGEMENT
20.1 By accessing or using Bentamo OS, You acknowledge that You have read, understood, and agreed to be bound by this Agreement. This acknowledgement constitutes valid consent under applicable laws. Users accept all risks associated with Platform use. This Agreement is enforceable to the fullest extent permitted by law. Continued use confirms acceptance.