Terms of Use

Welcome to the products, applications, and services provided by Smartware Pte. Ltd ("the Company," "we," "us," or "our"). By accessing or using our website (mifo.co), mobile applications, and any related products or services (collectively, "the Services"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Services.

1. Acceptance of Terms By accessing or using the Services, you confirm that you are at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into a binding agreement. If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Changes to Terms We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Services after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

3. Use of Services You agree to use the Services only for lawful purposes and in compliance with all applicable laws and regulations. You shall not: * Use the Services in any manner that could damage, disable, overburden, or impair our servers or networks. * Attempt to gain unauthorized access to any part of the Services, other accounts, or computer systems. * Use the Services to transmit any viruses, malware, or other harmful code. * Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Services without our express written permission. * Use automated means (bots, scrapers, or similar tools) to access or collect data from the Services.

4. Accounts and Registration Certain features of the Services may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate and complete information during registration and to update your information as necessary. You must notify us immediately of any unauthorized use of your account.

5. Intellectual Property All content, features, and functionality of the Services — including but not limited to text, graphics, logos, trademarks, images, software, and the Mifo brand — are the exclusive property of Smartware Pte. Ltd or its licensors and are protected by international copyright, trademark, patent, and other intellectual property laws. You may not use, reproduce, or distribute any content from the Services without our prior written consent.

6. Product Purchases If you purchase products through the Services, additional terms and conditions may apply to your purchase, including pricing, payment, shipping, and return policies. All product descriptions and pricing are subject to change without notice. We reserve the right to refuse or cancel any order at our discretion.

7. Mobile Applications Our mobile applications are licensed, not sold, to you. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download and use our mobile applications on compatible devices that you own or control. You may not reverse engineer, decompile, disassemble, or attempt to derive the source code of our applications.

8. Third-Party Links and Services The Services may contain links to third-party websites, services, or content that are not owned or controlled by us. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be liable for any damage or loss arising from your use of any third-party websites or services.

9. Disclaimer of Warranties THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SMARTWARE PTE. LTD, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Indemnification You agree to indemnify, defend, and hold harmless Smartware Pte. Ltd, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Services, your violation of these Terms, or your violation of any rights of a third party.

12. Governing Law These Terms shall be governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of Singapore.

13. Severability If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

14. Entire Agreement These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Smartware Pte. Ltd regarding the use of the Services and supersede all prior agreements and understandings.

15. Contact Us If you have any questions or concerns about these Terms, please contact us: Email: [email protected] Website: mifo.co

Mifo is a registered trademark of Smartware Pte. Ltd.