General Terms of Use

IMPORTANT PLEASE READ CAREFULLY. These Terms of Use (“Terms”) constitute an agreement between you (“you” or “User”) and Vizmoi International Pte. Ltd., a company incorporated in the Republic of Singapore (“Vizmoi”, “we”, “us”, or “our”), governing your access to and use of the Vizmoi mobile application, websites, software, and all related services (collectively, the “Platform”).

These Terms are organised into two parts: the General Terms of Use apply to all Users; and the Supplemental Terms of Use apply in addition to the General Terms of Use if you purchase a paid subscription or use Vizmoi for commercial purposes. In the event of any conflict between the General Terms of Use and the Supplemental Terms of Use, the Supplemental Terms of Use will prevail for the matters they expressly address.

BY DOWNLOADING, INSTALLING, ACCESSING OR USING THE PLATFORM, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE PLATFORM.

Your privacy is governed by our separate Data Privacy Policy, which is incorporated by reference into these Terms. Please review it carefully to understand how we collect, use, and protect your personal data and how to exercise your rights in relation to that data.

1.DEFINITIONS AND INTERPRETATION

1.1.In these Terms, unless the context requires otherwise:

1. (a)"Content" means any text, images, photos, videos, audio, live streams, listings, reviews, comments, messages, profile information, business information, job or gig postings, offers, promotions, and other materials that are uploaded, posted, submitted, transmitted, displayed, or otherwise made available on or through the Platform.
2. (b)“E2EE Communications” means private messages and User-created group chats transmitted via the Platform using end-to-end encryption.
3. (c)“Marketplace” means the jobs, gigs, services, business listings, and discovery features of the Platform.
4. (d)"User-Generated Content" or "UGC" means any Content that a User uploads, posts, submits, transmits, shares, displays, or otherwise makes available on or through the Platform, and includes profile data, listings, reviews, comments, messages, media, and job or gig postings, but excludes content owned by Vizmoi.
5. (e)“Business User” means a User who has purchased a paid subscription or otherwise uses the Platform in the course of a business, trade, or profession.
6. (f)“App Stores” means the Apple App Store operated by Apple Inc. (“Apple”) and the Google Play Store operated by Google LLC (“Google”).

1.2.Headings are for convenience only and do not affect interpretation. Words in the singular include the plural and vice versa. References to "including" or similar words are to be construed without limitation.

2.ELIGIBILITY AND ACCOUNT REGISTRATION

2.1.You must be at least 18 years of age to use the Platform. If you are under 18, you must not register for or use the Platform.

2.2.Age-restricted Content (including listings, offers, promotions, marketing, and AI recommendations relating to alcohol, tobacco, nightlife venues, or other age-gated industries) is filtered for Users below the relevant legal age. The burden of providing accurate age information lies with the User.

2.3.Providing false age, identity, or eligibility information is a material breach of these Terms and may result in immediate account suspension or termination.

2.4.To register, you must provide accurate, current, and complete information, including a valid phone number and/or email address. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

2.5.You may find and be found by other Users via phone number, email address, your unique 12-digit Vizmoi ID, or QR code. You are responsible for safeguarding your Vizmoi ID.

2.6.Sanctions and AML Compliance. By registering an account, you represent and warrant that: (a) neither you nor any of your affiliates is the subject of any economic or trade sanctions issued by the United Nations, United States, European Union, or Singapore; (b) you are not located in a comprehensively sanctioned country; and (c) you will not use the Platform to engage in, assist, or facilitate any illegal financial transactions, money laundering, or terrorism financing.

3.THE PLATFORM AND ITS LIMITATIONS

3.1.Platform Changes. Vizmoi reserves the right to modify, add, remove, or discontinue any feature, functionality, or aspect of the Platform at any time, with or without notice, for any reason including operational, commercial, legal, or security reasons. Vizmoi will not be liable for any loss, inconvenience, or damage arising from any such modification or discontinuation. Where a material feature that forms part of a paid subscription is permanently removed, Vizmoi will provide reasonable notice and, where applicable, a pro-rated refund at Vizmoi's sole discretion or service credit, determined by Vizmoi acting reasonably.

3.2.Not a telecommunications service. Voice and video calls made via the Platform are transmitted as encrypted data over the internet. The Platform does not route calls via the public switched telephone network (PSTN) or any telecommunications carrier network and is not a substitute for a telephone line.

3.3.No emergency services. THE PLATFORM CANNOT BE USED TO CONTACT EMERGENCY SERVICES (E.G., 995 and 999) OR ANY EQUIVALENT PUBLIC SAFETY ANSWERING POINT. Vizmoi disclaims all liability arising from your inability to reach emergency services via the Platform.

3.4.End-to-end encryption. E2EE Communications are encrypted such that only the sender and intended recipient(s) can read or hear the content. Vizmoi does not have access to the content of E2EE Communications, does not maintain server-side backups of E2EE chats, and cannot recover deleted E2EE Content. Vizmoi acts only as a temporary carrier of encrypted messages and media. Vizmoi may retain encrypted content on its servers for up to 30 days to support delivery to all intended recipients, after which it is automatically deleted.

3.5.User-side backups. You are solely responsible for backing up your chat history and media to your personal cloud storage (e.g., Google Drive on Android, iCloud on iOS). If you sign in on a new device, you may have the option to start fresh instead of restoring previously encrypted chat history from your personal cloud storage (e.g., iCloud/Google Drive). If you choose this option, previously encrypted chat history may become inaccessible across your devices. Vizmoi cannot recover this lost data. Vizmoi disclaims all liability for any data loss resulting from a failure to perform local or cloud backups.

3.6.Metadata. Vizmoi may store metadata such as account information, timestamps, and connection logs, in accordance with the Data Privacy Policy.

3.7.Global data transmission. The Platform is hosted on third-party cloud infrastructure. Your data (including encrypted messages in transit and metadata) may be transmitted through or stored in data centres located outside Singapore, including the United States of America and other jurisdictions, in accordance with the Data Privacy Policy and the requirements of the Personal Data Protection Act 2012 of Singapore.

3.8.Service Availability and Emergency Maintenance. Vizmoi makes reasonable efforts to ensure the Platform is securely available. However, Vizmoi reserves the right to perform scheduled maintenance, as well as emergency maintenance without prior notice if required to address critical issues, system failures, or security vulnerabilities (including zero-day exploits). Vizmoi disclaims all liability for any unscheduled downtime, loss of business, or loss of marketplace visibility during such periods.

3.9.Beta and Experimental Features. Vizmoi may, from time to time, make available beta, experimental, or early-access features of the Platform ("Beta Features"). Beta Features are provided on an "as-is" and "as-available" basis without warranties of any kind. Vizmoi reserves the right to modify, suspend, or discontinue any Beta Feature at any time without notice or liability. Your use of Beta Features is entirely at your own risk, and Vizmoi will not be liable for any data loss, instability, or damage arising from your use of Beta Features.

3.10.Cellular and Data Charges. Use of the Platform, particularly voice and video calls and media transmission, requires access to a cellular or internet network. You are solely responsible for all data charges, roaming fees, SMS rates, or other carrier fees incurred while using the Platform. Vizmoi disclaims all liability for any network restrictions or fees imposed by your mobile network operator.

4.USER-GENERATED CONTENT, REPRESENTATIONS AND LICENSE

4.1.Ownership. You retain ownership of your UGC, subject to the rights and licences granted under these Terms.

4.2.User representations and warranties. You represent and warrant that: (a) you own or control all rights in and to your UGC, or otherwise have all rights, licences, consents, and permissions necessary to submit and use that UGC on and through the Platform; (b) your UGC and your use of the Platform will not infringe, misappropriate, or violate any third-party rights, including intellectual property, privacy, publicity, confidentiality, or contractual rights; and (c) your UGC complies with these Terms and applicable law.

4.3.License to Vizmoi. Subject always to the Data Privacy Policy and the E2EE carve-out in Clause 4.5, you grant Vizmoi a worldwide, non-exclusive, royalty-free, fully paid-up, transferable, and sub-licensable licence to host, store, cache, reproduce, publish, distribute, transmit, display, perform, adapt, modify, translate, create derivative works of, moderate, and otherwise use your UGC for the purpose of operating, developing, providing, promoting, and improving the Platform and Vizmoi’s services. This licence survives termination only to the extent necessary for Vizmoi to operate, defend legal claims, and comply with legal obligations.

4.4.Sub-licensees. The licence in Clause 4.3 extends to Vizmoi’s affiliates, service providers, contractors, and successors-in-title, including cloud hosting providers and AI processing vendors acting as Data Intermediaries.

4.5.E2EE carve-out. Vizmoi shall not access, decrypt, read, listen to, or train any artificial intelligence or machine-learning model on the data of E2EE Communications, except (i) where a User voluntarily reports a specific message, which authorises the Platform to locally decrypt and submit that message (along with up to five preceding and succeeding messages to provide necessary context) under Clause 9 (Reporting and Moderation); or (ii) as required by Singapore law or any regulatory authority.

4.6.Feedback. If you submit any suggestions, ideas, improvements, or other feedback regarding the Platform ("Feedback"), you hereby assign to Vizmoi all right, title, and interest in and to that Feedback, including all intellectual property rights, on a worldwide, perpetual, royalty-free, and unrestricted basis. Vizmoi is under no obligation to use, compensate, credit, or acknowledge you for any Feedback.

5.ACCEPTABLE USE POLICY

5.1.Your use of the Platform must comply with the following Dos and Don’ts. Breach of this Acceptable Use Policy is a material breach of these Terms and may result in Content removal, account suspension, or termination.

5.2.Do:

1. (a)use the Platform lawfully, respectfully, and in good faith.
2. (b)respect the intellectual property, privacy, and dignity of other Users and third parties.
3. (c)obtain all necessary consents before uploading the personal data, image, voice, or contact information of any other person.
4. (d)report unlawful, infringing, abusive, or otherwise prohibited Content via the in-app reporting tools or to the email address set out in Clause 9.
5. (e)comply with all applicable Singapore laws and the laws of any jurisdiction from which you access the Platform.
6. (f)safeguard your account credentials, Vizmoi ID, and recovery information.

5.3.Don’t:

1. (a)post, transmit, or share Content that is unlawful, defamatory, obscene, pornographic, sexually exploitative (especially involving minors), hateful, harassing, threatening, discriminatory, seditious, or that incites violence or self-harm.
2. (b)infringe any patent, trademark, trade secret, copyright, right of publicity, moral right, or other intellectual property or proprietary right of any party.
3. (c)impersonate any person or entity, falsely represent your affiliation with any person or entity, or misrepresent the origin or ownership of any business listing, brand, or trademark.
4. (d)create fake, duplicate, or automated accounts, or engage in coordinated inauthentic behaviour.
5. (e)sell, rent, lease, trade, transfer, or otherwise commercialise your Vizmoi account, Vizmoi ID, verified badge, or any other account-bound credential.
6. (f)send spam, unsolicited commercial electronic messages, unsolicited bulk messages, chain messages, or pyramid/Ponzi schemes.
7. (g)use the Platform for emergency communications, life-critical services, or any activity where failure or interruption could result in death, personal injury, environmental damage, or property damage.
8. (h)use the Platform to facilitate gambling, money laundering, terrorism financing, fraud, identity theft, or any other criminal activity.
9. (i)scrape, harvest, crawl, index, data-mine, reverse engineer, decompile, or disassemble the Platform or any part of it (including its AI models, recommendation algorithms, embeddings, ranking signals, or training data loops), except as permitted by mandatory law.
10. (j)use the Platform’s outputs, recommendations, or any other data to train, fine-tune, benchmark, or develop competing artificial intelligence, machine-learning models, or competing platforms.
11. (k)use the Platform’s directories, business listings, job/gig postings, or User base to extract data, build mailing lists, or solicit Users away from the Platform for the purpose of building or operating a competing service (“non-circumvention”). Doing so will result in permanent ban without refund (if applicable).
12. (l)introduce viruses, worms, trojans, ransomware, or other malicious code; conduct denial-of-service attacks; or otherwise interfere with the integrity, performance, or security of the Platform.
13. (m)circumvent, disable, or otherwise interfere with security-related features of the Platform, including features that prevent or restrict use or copying of any Content.
14. (n)post job advertisements or gig postings that involve, facilitate, or promote illegal, unlawful, or criminal activities (including but not limited to unlicensed moneylending, illegal gambling, smuggling, or commercial sex work) or discriminatory postings that contravene any applicable laws, regulations, or guidelines.

5.4.Child Safety and CSAE Policy. Vizmoi maintains a strict, zero-tolerance policy against child sexual abuse and exploitation (CSAE). Although the Platform is exclusively for Users aged 18 and above, you are expressly prohibited from using the Platform to:

1. (a)upload, transmit, share, or promote Child Sexual Abuse Material (CSAM) or any content that depicts, encourages, or promotes the sexual abuse or exploitation of minors;
2. (b)engage in grooming behaviors, sexualize minors, or solicit minors for any purpose; or
3. (c)facilitate or threaten any physical or sexual harm against a child.

Any violation of these standards is a severe material breach. Upon obtaining actual knowledge of CSAM or CSAE on the Platform, Vizmoi will take immediate and appropriate action, which includes immediately removing the offending content and permanently terminating the offending account. Vizmoi complies with all applicable child safety laws and will preserve relevant data and report confirmed or suspected CSAM to the relevant law enforcement authorities (such as the Singapore Police Force).

You can and should report any child safety concerns, feedback, or suspected CSAM immediately using the Platform's in-app reporting tools. Furthermore, Vizmoi maintains a designated Child Safety Point of Contact (see Clause 18.2) who is authorised to receive notifications from users, regulators, and platforms (such as Google Play), speak to our CSAM enforcement procedures, and take swift action where required.

6.JOBS, GIGS AND THE MARKETPLACE

6.1.Passive bulletin board. Vizmoi operates a passive discovery venue for jobs, gigs, freelance services, and business listings. Vizmoi is not an agent, employer, employment agency, labour broker, recruiter, principal, payment processor, or party to any transaction between Users.

6.2.No vetting. Vizmoi does not perform background checks, identity verification, credit checks, qualification checks, criminal record checks, immigration status checks, or any other vetting of employers, hirers, freelancers, gig workers, service providers, or businesses, except for the limited certification step described in Clause 6.6 below. Users transact at their own risk.

6.3.Direct dealing. All negotiation, contracting, payment, delivery, performance, dispute resolution, taxation, and statutory obligations (including CPF, employment, work pass, and tax obligations) are matters strictly between the User parties.

6.4.No payment processing. Vizmoi does not charge commissions on, hold funds for, or process payments in respect of any job, gig, or service transacted via the Platform. Vizmoi disclaims all liability for unpaid wages, late payments, non-payment, chargebacks, fraud, or any other payment-related dispute between Users.

6.5.Compliance with laws. Job and gig postings must strictly comply with all applicable laws, regulations, and guidelines. You shall not post any advertisement or gig that involves, facilitates, or promotes illegal, unlawful, or criminal activities (including, without limitation, unlicensed moneylending, illegal gambling, smuggling, or commercial sex work), or that is discriminatory in nature. Vizmoi reserves the absolute right to remove, edit, or refuse any job or gig posting that violates these requirements, and may suspend or terminate the offending account without prior notice.

6.6.Verification. Where a User applies to post a “Service”, Vizmoi may require the User to email a copy of their certifications or identification together with their Vizmoi ID prior to activation. Vizmoi’s review of such documents is for the limited purpose of retaining information for incident-response purposes only. Vizmoi does not verify, endorse, or warrant the authenticity, accuracy, validity, currency, or quality of any certification, identification, or service provided by such a User.

7.BUSINESS LISTINGS, OFFERS, ADVERTISING AND AI RECOMMENDATIONS

7.1.Discovery only. Business listings, Offers, Promotions, Marketing, and “Similar Places” are discovery tools. Vizmoi does not handle payments for advertised products or services and does not guarantee that any merchant will honour any discount, code, offer, or promotion. Any transaction is strictly between the User and the merchant.

7.2.Multi-sided marketplace; competing listings. Vizmoi reserves the right to display competing or alternative businesses (including sponsored slots) on or alongside any business listing, including in the “Similar Places” section.

7.3.Third-party services. The Platform may integrate with third-party services (e.g., reservation systems, booking platforms). It is solely at the third party’s discretion whether to accept or refuse a request, and Vizmoi disclaims all liability for the acts or omissions of such third parties.

7.4.AI recommendations. Vizmoi uses artificial intelligence to generate local discovery recommendations (e.g., “Places you might like”). These recommendations may be informed by your in-app interaction data (such as listings viewed, searches performed, and explicit preferences) but, for the avoidance of doubt, are not generated using the data from E2EE Communications. Recommendations are provided on an “as-is” basis and do not constitute endorsements.

7.5.Age-gating. Listings, Offers, Promotions, Marketing, and AI recommendations relating to age-restricted industries (including alcohol, tobacco, nightclubs and bars) will be filtered from Users below the applicable legal age in their jurisdiction. Businesses must accurately categorise themselves to enable proper age-gating; misclassification is a material breach.

7.6.Location-Based Services. The Platform may utilise location-based services and APIs to provide relevant local discovery, gig recommendations, and routing. You acknowledge that location data may not be completely accurate, real-time, or error-free. You use any geographic routing or location-based features at your sole risk, and Vizmoi is not liable for any damages resulting from inaccurate location data.

8.INTELLECTUAL PROPERTY AND TAKEDOWN POLICY

8.1.Vizmoi IP. The Platform, including all software, source code, object code, designs, logos, trademarks, service marks, trade dress, graphics, user interfaces, AI models, recommendation algorithms, and the look and feel, is owned by Vizmoi or its licensors. Except as expressly granted under these Terms, no rights are granted to you.

8.2.Limited licence to you. Vizmoi grants you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to download, install, and use the Platform on a compatible device that you own or control, solely for your personal, non-commercial use (or, if you are a Business User, in accordance with the Supplemental Terms of Use), and strictly in accordance with these Terms.

8.3.Copyright takedown. Vizmoi respects the intellectual property rights of others and expects Users to do the same. If you believe that any UGC infringes your copyright or other intellectual property rights, please submit a written and signed notice to support@vizmoi.com containing the following:

1. (a)your full name, address, telephone number, and email address;
2. (b)the name and address of the rights holder (if it is not you);
3. (c)a description of the copyrighted work or other intellectual property right that you claim has been infringed;
4. (d)a description of the allegedly infringing material and sufficient information to enable Vizmoi to identify its location on the Platform (e.g., URL, listing ID, screenshot, or Vizmoi ID of the posting User);
5. (e)a statement that you require Vizmoi to remove or disable access to the allegedly infringing material;
6. (f)a statement that you have a good faith belief that the use of the material is not authorised by the rights holder, its agent, or the law, and that the material is an infringing copy;
7. (g)a statement that the information in the notice is accurate, and that you are the rights holder (or are authorised to act on behalf of the rights holder); and
8. (h)a statement that you agree to submit to the jurisdiction of the Singapore courts.

Where Vizmoi acts in good faith to remove or disable access to the allegedly infringing material in response to a valid notice, you agree not to exercise, and hereby irrevocably waive, any right of action against Vizmoi under applicable law in respect of such material prior to its removal.

8.4.Counter-notice. A User whose UGC has been removed or disabled (“Respondent”) may submit a written and signed counter-notice to support@vizmoi.com containing all of the following:

1. (a)the Respondent’s full name, address, telephone number, and email address (and an address for service in Singapore, if the Respondent is not resident in Singapore);
2. (b)sufficient information to enable Vizmoi to identify the material that has been removed or to which access has been disabled, and its online location before it was removed or disabled;
3. (c)a statement that the Respondent, in good faith, believes that the material was removed or access was disabled as a result of mistake or misidentification, or that the material does not infringe copyright;
4. (d)a statement that the information in the counter-notice is accurate; and
5. (e)a statement that the Respondent agrees to submit to the jurisdiction of the Singapore courts.

8.5.Repeat infringers. Vizmoi maintains a strict repeat-infringer policy. Accounts that are the subject of two or more valid takedown notices, or that Vizmoi otherwise reasonably determines are engaged in repeated infringement, will be terminated, and any associated paid subscriptions forfeited without refund.

8.6.Trademark and impersonation reports. Trademark infringement and impersonation reports should be sent to support@vizmoi.com with equivalent particulars. Impersonation of any individual, brand, business, or public figure is strictly prohibited and may result in immediate account termination.

9.REPORTING, CONTENT MODERATION AND ENFORCEMENT

9.1.In-app reporting. The Platform provides in-app tools for Users to report Content or conduct that violates these Terms. In respect of E2EE Communications, a User may voluntarily report a specific message, which authorises the Platform to locally decrypt and submit that message, along with up to five preceding and succeeding messages to provide context, to Vizmoi for moderation review.

9.2.Anti-weaponisation. Any User who uses or attempts to use the reporting feature in bad faith, including for the purpose of harassing, defaming, blackmailing, extorting, suppressing competition, or maliciously disrupting another User or business, commits a material breach of these Terms and will be permanently banned. Vizmoi reserves the right to pursue civil and criminal remedies in respect of any such conduct.

9.3.Discretion to moderate. Vizmoi may, but is not obligated to, review, restrict, edit, remove, disable access to, demonetise, age-gate, label, or otherwise moderate any UGC, and may suspend, restrict, or terminate any account, with or without notice, where Vizmoi reasonably believes there has been (or there is a risk of) a violation of these Terms, applicable law, or any policy referenced herein, or where Vizmoi, in its sole and absolute discretion, determines that the UGC or conduct is objectionable, inappropriate, unlawful, or otherwise harmful to the Platform, our Users, or Vizmoi’s legitimate interests.

9.4.No general monitoring obligation. Nothing in these Terms requires Vizmoi to monitor, screen, or filter UGC, and Vizmoi has no general obligation to do so. Vizmoi is not a publisher of UGC.

9.5.Cooperation with authorities. Vizmoi may disclose information in accordance with the Data Privacy Policy where required by law, court order, or lawful request from a regulatory or law-enforcement authority of competent jurisdiction.

10.PAYMENTS AND THIRD-PARTY TRANSACTIONS

10.1.Vizmoi does not process payments between Users for jobs, gigs, services, or merchant offers. Where you transact with any third party (including merchants, businesses, freelancers, or employers), you do so at your own risk and on terms agreed directly with that third party.

10.2.Vizmoi disclaims all liability arising from any third-party transaction, including failure to pay, failure to deliver, defective goods or services, refunds, taxes, and disputes.

11.SUSPENSION AND TERMINATION

11.1.You may stop using the Platform at any time and may delete your account via the in-app settings. Deletion of your account does not automatically erase Content previously shared with other Users (e.g., messages already received by recipients, or business listings cached by other Users).

11.2.Vizmoi may suspend, restrict, or terminate your access to the Platform, remove UGC, or take any other enforcement action permitted under these Terms if you breach these Terms, if Vizmoi reasonably suspects unlawful or prohibited conduct, or if necessary to comply with applicable law or protect the Platform, Users, or third parties.

11.3.Upon termination, the licences granted by you to Vizmoi under Clause 4 survive only to the extent necessary for Vizmoi to operate, defend legal claims, comply with legal obligations, and continue using anonymised or aggregated data. Clauses that by their nature should survive termination (including Clauses 4, 8, 12, 13, 14, 15, and 18) will so survive.

11.4.Account Inactivity. If your account remains inactive (i.e., you do not log in or engage with the Platform) for a continuous period of twelve (12) months or more, Vizmoi reserves the right to suspend or permanently delete your account and release your Vizmoi ID, username, and any associated data, without further notice to you. Vizmoi will make reasonable efforts to notify you via your registered email address or phone number prior to such deletion. Vizmoi is not liable for any loss of data, content, or account access resulting from account deletion due to inactivity.

11.5.Children's Privacy. The Platform is not directed at individuals under the age of 18. Vizmoi does not knowingly collect personal data from individuals under 18. If Vizmoi becomes aware that a User is under 18, Vizmoi will take reasonable steps to delete that User's account and any associated personal data without undue delay. If you are a parent or guardian and believe that a child under 18 has registered an account, please contact us at safety@vizmoi.com.

12.DISCLAIMERS

12.1.“As-is” basis. THE PLATFORM AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. To the maximum extent permitted by law, Vizmoi disclaims all warranties, including implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, non-infringement, accuracy, completeness, security, and uninterrupted availability.

12.2.No warranty as to UGC, Users, or third parties. Vizmoi makes no representation or warranty regarding the identity, qualifications, conduct, intentions, or trustworthiness of any User, business, freelancer, employer, or third party, or as to the accuracy, legality, safety, or quality of any UGC, listing, advertisement, recommendation, or third-party service.

12.3.Marketplace risks. You acknowledge that interacting with other Users (online or offline) carries inherent risks, including the risk of fraud, misrepresentation, physical harm, and loss. You agree to exercise reasonable caution and judgement.

13.LIMITATION OF LIABILITY

13.1.Excluded losses. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL VIZMOI, ITS AFFILIATES, OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, BUSINESS, OPPORTUNITY, DATA, OR USE, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE PLATFORM, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR OTHERWISE, AND WHETHER OR NOT VIZMOI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2.Cap on liability. VIZMOI’S TOTAL AGGREGATE LIABILITY to you arising out of or in connection with these Terms or the Platform will not exceed the greater of (a) the total amount paid by you to Vizmoi in the twelve (12) months immediately preceding the event giving rise to liability; or (b) SGD 100.

13.3.Specific exclusions. Without limiting the foregoing, Vizmoi shall not be liable for:

1. (a)any loss arising from the acts, omissions, fraud, misrepresentation, or breach of any User, employer, freelancer, business, advertiser, or third party;
2. (b)unpaid wages, unpaid fees, late payments, or any payment dispute between Users;
3. (c)any inability to contact emergency services via the Platform;
4. (d)data loss caused by your failure to back up E2EE chats or media;
5. (e)any unauthorised access to data resulting from factors beyond Vizmoi’s reasonable control;
6. (f)any decision to honour or refuse an offer, promotion, marketing, or third-party reservation request; or
7. (g)any moderation decision (including removal or non-removal of Content).

13.4.Statutory carve-outs. Nothing in these Terms excludes or limits Vizmoi’s liability for: (i) death or personal injury caused by Vizmoi’s negligence; (ii) fraud or fraudulent misrepresentation; or (iii) any other liability that cannot be excluded or limited under applicable Singapore law, including the Consumer Protection (Fair Trading) Act 2003 of Singapore. Statutory consumer rights that cannot be waived remain in effect.

13.5.Allocation of risk. You acknowledge that the limitations in this Clause 13 are a fundamental basis of the bargain between you and Vizmoi, and that the Platform would not be provided to you without them.

14.INDEMNITY

14.1.You agree to defend, indemnify, and hold harmless Vizmoi, its affiliates, and their respective officers, directors, employees, agents, service providers, and licensors from and against any and all claims, demands, actions, proceedings, liabilities, losses, damages, costs (including reasonable legal fees on a solicitor-and-client basis), and expenses arising out of or in connection with your UGC, your use of the Platform, your breach of these Terms, or your violation of applicable law or any third-party rights.

14.2.Waiver of Class Actions. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL CLAIMS MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. You agree that you and Vizmoi may each bring claims against the other only in your individual capacity. The arbitrator shall have no power to consolidate more than one person's claims or to preside over any form of class or representative proceeding.

14.3.Vizmoi reserves the right to assume the exclusive defence and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with Vizmoi.

15.APP STORE TERMS (APPLE AND GOOGLE)

15.1.Acknowledgement. You acknowledge that these Terms are concluded between you and Vizmoi only, and not with Apple or Google. Vizmoi (and not Apple or Google) is solely responsible for the Platform and its content.

15.2.Scope of licence. Your licence to use the Platform is limited to a non-transferable licence to use it on Apple-branded or Android-compatible devices that you own or control, as permitted by the Apple Media Services Terms and Conditions or the Google Play Terms of Service.

15.3.Maintenance and support. Apple and Google have no obligation whatsoever to furnish any maintenance or support services with respect to the Platform.

15.4.Warranty. In the event of any failure of the Platform to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the iOS app; to the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the Platform. As between Vizmoi and Google, Google has no warranty obligations in respect of the Android app.

15.5.Product claims. Vizmoi (and not Apple or Google) is responsible for addressing any User or third-party claims relating to the Platform, including product liability, legal or regulatory non-compliance, and consumer protection claims.

15.6.IP claims. In the event of any third-party claim that the Platform or your possession and use of it infringes that third party’s intellectual property rights, Vizmoi (and not Apple or Google) is solely responsible for the investigation, defence, settlement, and discharge of any such claim.

15.7.Compliance. You represent and warrant that (a) you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist-supporting” country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.

15.8.Third-party beneficiary. Apple and Google, and Apple’s and Google’s subsidiaries, are third-party beneficiaries of these Terms, and upon your acceptance, Apple and Google have the right (and will be deemed to have accepted the right) to enforce these Terms against you as third-party beneficiaries thereof.

16.PRIVACY AND PERSONAL DATA

16.1.Vizmoi processes personal data in accordance with the Data Privacy Policy. By using the Platform, you acknowledge that you have read, understood, and agree to the practices described in the Data Privacy Policy.

16.2.For details on data collection, use, disclosure, retention, cross-border transfer, access and correction rights, and how to contact our Data Protection Officer, please refer to the Data Privacy Policy.

16.3.You may request a copy of your personal data, or request correction or deletion of your account, in accordance with the Data Privacy Policy and applicable law. Note that certain data (including metadata required by law and Content already received by other Users) may persist after account deletion.

17.GENERAL PROVISIONS

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

17.2.Dispute Resolution. Any dispute, claim, or controversy arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, will be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the SIAC for the time being in force, which rules are deemed to be incorporated by reference in this clause. The seat of the arbitration will be Singapore. The tribunal will consist of one (1) arbitrator. The language of the arbitration will be English. The parties may agree to refer the dispute to mediation, including at the Singapore International Mediation Centre (“SIMC”). Notwithstanding the foregoing, either party may apply to any court of competent jurisdiction for urgent injunctive or other interim relief to preserve its rights or prevent irreparable harm, without waiving its right to arbitration.

17.3.Amendments. Vizmoi may amend these Terms at any time by posting the revised Terms in the Platform and updating the “Last updated” date. Material changes will be notified to Users via the Platform. Your continued use of the Platform after the effective date constitutes acceptance of the revised Terms.

17.4.Assignment. You may not assign or transfer your rights or obligations under these Terms to any party without Vizmoi’s prior written consent. Vizmoi may assign, transfer, or novate all of its rights, interests, obligations, and liabilities under these Terms to a wholly-owned subsidiary, affiliate, or successor-in-interest (“Transferee”) without your consent, provided that Vizmoi gives you at least thirty (30) days’ prior written notice via the Platform, your registered email address, or your registered phone number. Upon such assignment or novation, you consent to the Transferee taking the place of Vizmoi as if it were named in these Terms, and Vizmoi shall be fully released from all obligations. If you do not accept the assignment or novation, your sole remedy is to terminate your account before the effective date of the assignment.

17.5.Contracts (Rights of Third Parties) Act. Save in respect of Apple and Google under Clause 15.8 (who are intended third-party beneficiaries), a person who is not a party to these Terms shall have no right under the Contracts (Rights of Third Parties) Act 2001 of Singapore to enforce any term of these Terms.

17.6.Force majeure. Vizmoi will not be liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, civil disturbance, government action, internet outages, telecommunications failures, cyber-attacks, or cloud-infrastructure outages.

17.7.Severability. If any provision of these Terms is held to be unlawful, void, or unenforceable, the remaining provisions will continue in full force and effect, and the unenforceable provision will be reformed to the minimum extent necessary to make it enforceable while preserving its intent.

17.8.Waiver. No waiver of any provision of these Terms is effective unless in writing, and no failure or delay by Vizmoi in exercising any right will operate as a waiver.

17.9.Entire agreement. These Terms and the Supplemental Terms of Use (for Business Users), together with the Data Privacy Policy and any other documents incorporated by reference constitute the entire agreement between you and Vizmoi regarding the Platform and supersede all prior agreements and understandings, whether written or oral.

17.10.Notices. Notices to Vizmoi must be sent in writing to support@vizmoi.com. Notices to you may be given via the Platform, your registered email address, or your registered phone number.

17.11.Language. The English-language version of these Terms is the controlling version. Any translation is provided for convenience only.

17.12.Evidence. You agree to treat as conclusive evidence, and not to dispute the validity, accuracy, or authenticity of, any evidence of your instructions, communications, and acceptances transmitted between yourself and Vizmoi. This includes Vizmoi’s computer records, transaction logs, and database entries confirming your acceptance of these Terms and the Data Privacy Policy, except to the extent prohibited by applicable law or manifest error.

18.CONTACT

18.1.For general questions, notices, or requests under these Terms, please contact us at support@vizmoi.com.

18.2.To report child safety concerns, or to speak about our CSAM prevention practices and compliance, please contact our designated Child Safety Point of Contact at safety@vizmoi.com.

By using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and the Data Privacy Policy.