LIFE AI TERMS OF SERVICE

3.1. Eligibility

To register for and use the Services, you must meet the following eligibility requirements:

(a) Age Requirement: You must be at least 18 years of age or the age of legal majority in your jurisdiction to create an Account and use the Services.

If you are under the age of 18 or the legal age for giving consent in your country (the "Legal Age"), you must obtain permission from a parent or legal guardian, who must agree to these Terms of Service on your behalf. If you are the parent or legal guardian of a minor creating an Account, you accept these Terms on the minor's behalf and are responsible for all use of that Account.

Where required by applicable laws, we may implement age verification during registration (such as government ID submission, biometric checks, or third-party verification services, in compliance with such laws). We reserve the right to restrict or terminate accounts and delete associated data if we reasonably believe a user is underage and has accessed the Services without legally valid consent. For more details on parental consent and data handling for minors, please refer to our Privacy Policy. We shall not be liable for any false declarations of age.

(b) Legal Compliance: You must not be prohibited from using the Services under any applicable international, national, or local laws, regulations, or sanctions, as further detailed in the "Compliance with Sanctions and Export Controls" section. You must not reside in a jurisdiction where access to or use of the Services is restricted or prohibited by law.

(c) No Prior Violations: You must not have a history of violating these Terms, our Privacy Policy, Seller Policy, Refunds & Return Policy, or any other LIFE AI policies in a manner that resulted in a prior account suspension or termination. We reserve the right to deny eligibility to any individual with a record of fraudulent activity, misconduct, or abuse on our Platform or similar services, as determined in our sole discretion.

(d) General Fitness: You must be capable of entering into a legally binding agreement and not be under any legal incapacity that prevents you from understanding or complying with these Terms. Furthermore, you must not use the Services for any illegal, unauthorized, or harmful purposes, as outlined in the "PROHIBITED CONDUCT" section of these Terms.

By creating an Account, you represent and warrant that you meet all of the foregoing eligibility requirements.

3.2. Account Registration

To use the Services, you must provide accurate, complete, and up-to-date information as requested during the registration process. You are responsible for maintaining the accuracy of your Account information and must update it promptly in the event of any changes.

We reserve the right to suspend or terminate your Account, without notice, if we determine that the information provided is inaccurate, misleading, incomplete, or outdated.

3.3. Account Security and Responsibility

You are solely responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your Account, regardless of whether you authorized such activities. You must not share your Account or login information with others. If you suspect any unauthorized use or security breach, you must notify us immediately.

We reserve the right, but not the obligation, to investigate suspicious activity and may suspend or terminate your access if we reasonably believe your Account has been compromised or is being used in a manner that violates these Terms. We are not liable for any loss or damage resulting from unauthorized access or use of your Account due to your failure to safeguard your credentials or notify us in a timely manner.

3.4. Account Suspension and Restrictions

We reserve the right to deny account applications, suspend, or terminate Accounts at our sole discretion for violations of these Terms or any other incorporated policies. Prior to any suspension or termination, we will endeavor to notify you in writing via in-app notification or to the email address associated with your Account, detailing the reason for the action. Where practicable, we will provide a reasonable opportunity to remedy the violation, unless immediate action is required to protect the platform, its users, or to comply with applicable laws. If your account is suspended or terminated, you may submit an appeal in writing within seven (7) business days. We will respond to the appeal within fourteen (14) business days.

3.5. Account Verification

We may request identity verification (e.g., government-issued ID, proof of address) when necessary and to comply with anti-money laundering (AML) or know-your-customer (KYC) regulations. Failure to provide requested information may result in Account suspension, freezing of funds, or termination.

4.1. Venue for Transactions

The Platform is an online venue that provides a place and opportunity for the sale of Goods between Buyers and Sellers. The actual contract for sale is directly and exclusively between the Buyer and the Seller.

4.2. No Party to Contract

We are not a party to the transaction between Buyer and Seller. We do not act as an agent, broker, or intermediary for either party.

4.3. No Warranty or Guarantee

We do not guarantee the quality, safety, legality, or availability of Goods, the accuracy of User Content, or the ability of Buyers or Sellers to complete transactions. All transactions are at your own risk. We are not responsible for transactions conducted outside the Platform.

5.1. For Sellers

a. You must be the legal owner of the Goods you list or have the legal authority to sell them. Listings must be accurate, complete, and not misleading, including descriptions, images, and pricing.

b. You agree to comply with all applicable Singapore laws and regulations, including but not limited to the Consumer Protection (Fair Trading) Act (CPFTA) and the Sale of Goods Act, and Electronic Transactions Act. You are responsible for ensuring your Goods are not prohibited or restricted.

c. You are responsible for setting the price of your Goods and for the collection and remittance of any applicable taxes, such as Goods and Services Tax (GST). Foreign Sellers selling digital products or low-value goods must comply with border tax obligations, including declaring and paying import taxes as required locally, and providing accurate tax information in the listing.

d. You must complete transactions promptly and professionally, adhering to the terms specified in your listing and our Seller Policy.

5.2. For Buyers

a. When you place an order for Goods, you are making a binding offer to purchase those Goods from the Seller.

b. You must complete payment using the Platform's supported payment methods.

c. You are responsible for reviewing the full listing, including descriptions, terms, and conditions, before purchasing.

6.1. Fees

We may charge fees for using certain Services, such as listing fees, commissions on sales, or transaction processing fees. Any applicable fees will be clearly disclosed to you before you incur them. All fees are quoted in Singapore Dollars (S$). We reserve the right to adjust fees with at least 14 days' prior notice via the Platform. You are responsible for all applicable taxes on fees.

6.2. Payment Processing

Payment is processed through Singapore-licensed payment service providers such as Stripe, PayPal, or similar approved partners.

We do not store your credit card details. By making a transaction, you agree to the terms of our payment processors, which comply with the Payment Services Act 2019 (PSA).

Funds may be held in an escrow account by us or our partner until an order is completed. This process is governed by our Transaction Guarantee, with disbursement being dependent on verification, dispute resolution, or regulatory compliance as detailed in our Seller Policy and Refunds & Return Policy.

We reserve the right to debit or retain funds to address errors, fraud, refunds, fees, or other claims.

6.3. Payouts to Sellers

a. Payouts to Sellers (net of our fees) will be made according to the schedule and method specified in our Seller Policy, subject to verification and compliance with AML/KYC regulations. Payouts may be delayed for investigations into fraud, regulatory compliance, or disputes. If suspicious activity is detected, we may temporarily hold funds to protect the Platform and Users. Payments are only processed through Singapore-licensed channels, and transactions include applicable taxes when necessary.

b. Sellers are allowed one free withdrawal from the balance each week; additional withdrawals will be subject to a prescribed fee. Funds from a successful transaction will be credited to the Seller Balance once the order is 'Completed'. An order is marked as 'Completed' when the Buyer confirms satisfactory receipt or when the applicable Return Window (as defined in our Refunds & Return Policy) expires without a dispute being raised. If a dispute is raised during the Return Window, funds will remain in escrow and will only be credited to the Seller's Balance if the dispute is resolved in the Seller's favor.

c. For the avoidance of doubt, your Seller Balance's balance may become negative due to refunds, chargebacks, or fee. No withdrawals are permitted until the balance is positive (including from the receipt of future sales proceeds).

d. Notwithstanding the foregoing, we may temporarily extend the escrow period or take other steps to protect Users and/or the Platform, including where there is suspected fraud or irregular activity, or where required by governmental or regulatory authorities or an order of court. Such reviews may delay crediting of earnings and may result in account suspension or restriction or such other measures as provided for in this Terms of Service.

e. If there is an error in the processing of any transaction, you authorize us to initiate debit or credit entries to your designated bank account, to correct such error, provided that any such correction is made in accordance with applicable laws and regulations. If we are unable to debit your designated bank account for any reason, you authorize us to resubmit the debit, plus any applicable fees, to any other bank account or payment instrument that you have on file with us or to deduct the debit and applicable fees from your Seller Balance in the future.

f. You authorize us to initiate debit or credit entries to your Seller Balance (including where this would result in your Seller Balance's balance remaining or becoming negative):

(i) to correct any errors in the processing of any transaction;

(ii) where we have determined that you have engaged in fraudulent or suspicious activity and/or transactions;

(iii) in connection with any lost, damaged or incorrect items;

(iv) in connection with any rewards or rebates;

(v) in connection with any outstanding fees;

(vi) in connection with the settlement of any transaction dispute, including any compensation due to, or from, you;

(vii) in connection with any banned items or items that are detained by customs;

(viii) in connection with any change of mind agreed to by both Buyer and Seller;

(ix) in connection with the settlement of any outstanding amount (or other obligation) owed to us, subject to applicable law;

(x) to purchase Advertising Credits where you have activated the Advertising Credits top up feature and your Advertising Credits have fallen below your Advertising Credits minimum amount;

(xi) in connection with any return and/or refund requests which are approved in accordance with our Refunds & Return Policy; and

(xii) in connection with any other breach by you of these Terms of Service or any other policy incorporated herein.

g. If your Account has been terminated, deactivated or suspended in accordance with these Terms of Service, or your Account remains inactive (for such duration as we may prescribe from time to time), we shall be entitled to charge a fee for the administration of any remaining Seller Balance in your Account. The amount and frequency of such fee shall as we may prescribe from time to time.

7.1. Seller's Obligations

Sellers must package Goods securely and ship them promptly, providing valid tracking information via the Platform. Failure to provide tracking may void Transaction Guarantee protections.

7.2. Buyer's Obligations

Buyers are responsible for providing a complete and accurate delivery address. We will not be liable for any failed deliveries resulting from an incorrect address provided by the Buyer or Buyer unavailability. The Buyer is responsible for making arrangements to receive the delivery and for monitoring the tracking status of their order.

7.3. Shipping Costs & Timelines

Shipping costs are determined by the Seller and will be displayed to the Buyer at the time of purchase. All delivery timelines provided on the Platform are estimates only and are not guaranteed by us. Delays may occur due to factors beyond our control, such as carrier delays or customs processing.

7.4. International Shipping & Customs

For cross-border transactions, the Seller is responsible for attaching the necessary customs declarations. The Buyer is solely responsible for paying all applicable import duties, taxes, and fees levied by the destination country's customs authorities.

7.5. Risk of Loss

The risk of loss or damage to the Goods shall remain with the Seller until the Goods are delivered to the Buyer's designated delivery address. A delivery is considered complete when the shipping carrier's tracking system confirms it has been delivered.

7.6. Platform's Role

Our role is limited to facilitating the transaction between the Buyer and Seller. We are not a logistics provider and are not responsible for the physical shipping of any Goods. The shipping service is provided by third-party carriers, and any contract for shipping is between the Seller and the carrier.

9.1. Accurate Listings

You will provide true, accurate, and complete descriptions, images, and prices for all Goods. You must not post misleading or false information. You warrant that you have the legal right and ownership to sell every item you list.

9.2. Timely Fulfillment

You will process and ship orders promptly, within the timeframe specified in your listing or our platform policies. You are responsible for properly and securely packaging items to prevent damage during transit.

9.3. Customer Service

You will respond to Buyer inquiries in a professional and timely manner and will cooperate with us to resolve any disputes. You must honor the terms of our official Refunds & Return Policy.

9.4. Data Privacy

You will handle any Buyer's personal data (such as name and shipping address) securely and only for the purpose of fulfilling the order, in strict compliance with the PDPA and our Privacy Policy.

9.5. Liability and Indemnification

You acknowledge that you are solely responsible for the Goods you sell, including their quality, safety, legality, and the accuracy of your listings. You agree to indemnify and hold harmless LIFE AI from any claims, losses, or damages, including legal fees, arising from your products, your listings, your breach of these terms, or your violation of any applicable law.

10.1. Due Diligence

You are responsible for reading the full listing and description of the Goods before making a purchase to ensure they meet your requirements.

10.2. Payment Obligation

You must ensure the timely payment of any order you place. Committing to a purchase constitutes a legally binding contract with the Seller.

10.3. Accurate Information

You will provide accurate, current, and complete shipping and payment information to ensure successful and timely delivery of your order.

10.4. Confirmation and Disputes

You are required to participate in the Transaction Guarantee process by confirming receipt of your order in a timely manner. If you encounter an issue with your order (e.g., damaged or incorrect item), you must raise a dispute through the Platform before the Guarantee Period expires.

10.5. Proper Use

You will use the Platform for legitimate purchasing activities only. You agree to use the Platform lawfully and ethically. You will not abuse the Platform's features, engage in any fraudulent activity, infringe upon any third-party intellectual property rights, or purchase any items on our Prohibited Items list. You are responsible for complying with all applicable regulations, including any cross-border transaction and customs restrictions.

10.6. Liability and Indemnification

You agree not to hold LIFE AI liable for disputes arising from transactions, unless we are directly at fault. Furthermore, you agree to indemnify us if your unlawful conduct causes damage to the Platform.

11.1. Overview

We provide a "Transaction Guarantee" to create a secure shopping experience. When a Buyer makes a purchase, the payment ("Purchase Monies") will be held in an escrow account by us or our partner. We will only release the Purchase Monies to the Seller after the Buyer has confirmed satisfactory receipt of the Goods or when the Guarantee Period expires. This service only applies to transactions made on the Platform via our supported payment methods; any dealings conducted outside of the Platform are not covered.

11.2. How It Works

i. After a Buyer pays for an order, the Purchase Monies will be held in escrow by us under the Transaction Guarantee. We will then notify the Seller to ship the item.

ii. The transaction Guarantee Period begins on the date the Buyer pays for an order and continues until the order is completed. This ensures the Purchase Monies are held securely in escrow by us throughout the shipping, delivery, and inspection period (the Return Window, begins only when the item is confirmed as "Delivered"). The specific duration and conditions of the Return Window are governed by our Refunds & Return Policy.

iii. The Purchase Monies will be released to the Seller when the order is marked as "Completed." This occurs when either:

i. The Buyer confirms satisfactory receipt by clicking "Order Received" (or similar confirmation) on the Platform; OR

ii. The applicable Return Window expires without the Buyer raising a dispute; OR

If a Buyer submits a return or refund request during the Return Window, the Purchase Monies will remain in escrow and will not be released until the case is fully resolved in accordance with our Refunds & Return Policy.

Notwithstanding the above, we reserve the right to withhold any payment to the Seller if we have reason to believe the transaction may be fraudulent, involves illegal activities, or requires further investigation for compliance with the law or our internal policies. Furthermore, we reserve the right, at our sole discretion, to extend the Guarantee Period as may be reasonably necessary to complete an investigation into any transaction dispute, suspected fraud, or compliance matter.

iv. The Purchase Monies will be refunded to the Buyer if a return/refund request, raised by the Buyer during the Guarantee Period, is approved by us in accordance with our separate Refunds & Return Policy.

11.3. Buyer's Responsibilities

a. The Buyer must confirm receipt of the goods via the Platform upon satisfactory delivery.

b. If the goods are not received, are incorrect, or are damaged, the Buyer must raise a dispute through the Platform before the Guarantee Period expires.

c. By confirming receipt, the Buyer acknowledges that the goods have been received in an acceptable condition. This action is irreversible and will trigger the release of the Purchase Monies to the Seller. After this point, any further issues must be resolved directly between the Buyer and Seller.

11.4. Platform's Role in Disputes

In the event of a dispute, we will investigate the matter. We may require additional information from both the Buyer and Seller. The decision reached by us will be final and binding on both parties.

11.5. Disclaimer

The Transaction Guarantee is a service provided by us to facilitate safer transactions. It is not a product warranty or an insurance policy. The contract for the sale of goods remains strictly between the Buyer and the Seller. We are not an agent for either party and do not act as a fiduciary or trustee for any User.

12.1. General

We may offer optional paid advertising and promotional services ("Advertising Services") to Users, particularly Sellers, to enhance the visibility of their listings, subject to these Terms and the Singapore Code of Advertising Practice (SCAP).

12.2. Advertising Credits

a. Sellers may purchase advertising credits ("Credits") through the Platform to pay for Advertising Services. The price and packages for Credits will be specified at the time of purchase.

b. All purchases of Credits are final. Credits are non-refundable after payment and cannot be exchanged for cash or transferred to another User.

c. Credits are valid for a period of six (6) months from the date of purchase. Any unused Credits will automatically expire and be forfeited without notice at the end of this period.

12.3. User Responsibility

You are solely responsible for the content of any advertisement or promotion you purchase using Credits. All ad content must comply with these Terms of Service, all applicable laws, and the Singapore Code of Advertising Practice (SCAP). You warrant that you have all necessary rights and permissions for the content in your advertisements.

12.4. Platform's Rights

We reserve the right to reject or remove any advertisement at our sole discretion, at any time, for any reason, without liability or the need to provide a reason. If an advertisement is removed for a policy violation, the Credits used for it will not be refunded.

Furthermore, we reserve the right to change our advertising policies, the way advertisements are displayed, and the underlying display algorithms at any time without prior notice.

12.5. No Guarantee

We provide the Advertising Services without any guarantee of results. We do not warrant or promise any increase in views, clicks, sales, or any other performance metric. All performance data we provide is for informational purposes only, and we do not guarantee its accuracy.

13.1. Prohibited activities

You agree not to engage in any of the following prohibited activities:

(a) Violating any applicable law or regulation, including cross-border transaction restrictions.

(b) Posting false, inaccurate, misleading, defamatory, or libelous content.

(c) Infringing upon any third-party's Intellectual Property Rights.

(d) Distributing viruses, spam, or any other technologies that may harm the Platform or its users.

(e) Using any robot, spider, scraper, or other automated means to access our Services for any purpose without our express written permission.

(f) Bypassing any technical measures we use to provide the Services.

(g) illegal transactions;

(h) buying/selling counterfeit or restricted Goods;

(i) harmful or abusive behavior;

(j) attempting to compromise system integrity;

(k) transactions with restricted areas or entities.

13.2. Enforcement

We reserve the right to delete violating content, restrict accounts, temporarily hold funds, or report illegal activities to authorities without prior notice, depending on the severity.

13.3. Compliance with Sanctions and Export Controls

You represent and warrant that you are not located in, under the control of, or a national or resident of any country to which Singapore, the United States, the European Union, or the United Nations has embargoed goods or services ("Sanctioned Country"). You further represent and warrant that you are not a person or entity named on any government's restricted, sanctioned, or denied party list ("Restricted Party"). You agree not to use the Services for any purpose prohibited by export control laws or sanctions. We reserve the right to suspend or terminate any Account and freeze any related funds, without liability to you, if we have reason to believe you are a Restricted Party, are located in a Sanctioned Country, or are otherwise in breach of this clause.

14.1. Membership Tiers

Any individual who meets the eligibility requirements outlined in these Terms may become a member by registering an Account. We offer two membership tiers: Regular Member and VIP Member. Both tiers provide access to the Platform's services but differ in features and benefits. All members, regardless of tier, must comply with these Terms and all incorporated policies.

(a) Regular Member: This is the entry-level membership available to any individual who registers an Account at no cost. Regular Members can access basic services as defined by us from time to time.

(b) VIP Member: This is a premium membership tier available via subscription for an annual fee. VIP Members receive all the benefits of Regular Members, plus exclusive privileges such as special offers, early access to new products, and additional benefits across the platform.

14.2. Membership Offering and Compliance

By subscribing to the VIP Membership, you agree to the terms in this section in addition to all other Terms herein.

a. Benefits

The benefits of the VIP Membership are as advertised on the Platform and may include, but are not limited to:

(i) Discounts of between 30-70% on eligible health products and services, such as genetic testing services and wellness products. The specific discount and eligibility of any item are determined at our sole discretion and will be clearly indicated at the point of sale.

(ii) Early access to new products and special promotional offers.

(iii) Priority customer support for order-related inquiries.

(iv) Other promotional benefits determined by LIFE AI, subject to supply and local regulations.

Benefits are non-transferable and may not be combined with other promotions unless explicitly stated.

The VIP Membership is a service-based subscription providing enhanced access to exclusive features. This offering complies with applicable laws on consumer rights and anti-fraud regulations.

No membership tier constitutes a financial investment, capital contribution, or participation in revenue-sharing, equity, ownership, dividends, or profits. Memberships are not financial instruments and do not offer financial returns or value appreciation.

We reserve the right to modify the services, features, or access levels for any tier in accordance with these Terms.

b. Billing and Automatic Renewal

ii. VIP Membership Fees: The fee for the VIP Membership ("VIP Membership Fee") will be stated at the time of your purchase. All fees are quoted in Singapore Dollars and are inclusive of any applicable GST.

iii. Authorization: By subscribing, you authorize us to charge your designated payment method for the one-time, non-recurring VIP Membership Fee for your selected term.

iv. Membership Expiration and Renewal: We will notify you via the platform at least seven (7) days before your membership is scheduled to expire. To continue receiving VIP Membership benefits, you must renew VIP Membership by purchasing a new VIP Membership term. If you do not renew, your VIP Membership status will expire at the end of your current term, and your account will automatically revert to a Regular Member status.

c. Cancellation and Refunds

i. Cancellation: You may cancel your VIP Membership at any time through your Account settings on the Platform. The cancellation will take effect at the end of your current billing period. You will continue to have access to VIP Membership benefits until the end of that period.

ii. No Refunds: MEMBERSHIP FEES ARE NON-REFUNDABLE AND THERE ARE NO REFUNDS OR CREDITS FOR PARTIALLY USED PERIODS, except where required by applicable local consumer protection laws. Following any cancellation, you will continue to have access to the service through the end of your current billing period.

d. Changes to Fees or Program

We reserve the right to change the VIP Membership Fee or the terms of the VIP Membership Program at any time. We will provide you with reasonable prior notice of any material changes. Any changes to the fee will apply to the next billing cycle after notice is given. Your continued use of the VIP Membership after the changes become effective constitutes your acceptance of the changes.

e. Termination

We may terminate your VIP Membership for violations of these Terms, fraud, or harmful conduct, as determined by us. In such cases, no refund will be provided. For other terminations, we will issue a pro-rated refund for the remaining billing period, with reasonable notice provided where feasible.

15.1. Your Responsibility for User Content

You are solely responsible for all content that you submit, post, or display on the Platform, including but not limited to product listings, photos, videos, reviews, and comments (User Content). You represent and warrant that you own or have all necessary rights, licenses, and permissions to your User Content and that it is accurate, not confidential, and not in violation of any law or third-party rights. You acknowledge that you bear all risks associated with your User Content.

15.2. Prohibited User Content

You agree not to post any User Content that is:

(a) Unlawful, harassing, defamatory, obscene, or fraudulent;

(b) Infringing upon any third-party's intellectual property rights;

(c) Promoting illegal activities, discrimination, or hate;

(d) Containing viruses, corrupted data, or other harmful, disruptive, or destructive code; or

(e) Intended to manipulate the platform's review or rating systems, such as fake reviews or disguised promotional content.

15.3. Platform's Right to Moderate

We are not obligated to pre-screen or monitor User Content. However, we reserve the right to review, remove, or modify any User Content at our sole discretion. Violations of our policies, particularly regarding prohibited content like fake reviews, may result in account suspension or termination. We may store User Content and related data for safety, legal, and dispute resolution purposes, even after content is removed or an account is closed.

17.1. Platform IP

All Intellectual Property Rights in and to the Platform, its software, and its content (excluding User Content) are owned by or licensed to us. You are granted a limited, non-exclusive, revocable license to access and use the Platform for its intended purposes.

17.2. User Content License

By posting User Content on the Platform, you grant us a worldwide, non-exclusive, perpetual, irrevocable, royalty-free, sublicensable right to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such User Content in any and all media or distribution methods now known or later developed for the purposes of operating, promoting, and improving the Platform.

To the fullest extent permitted by applicable law, you hereby waive any and all moral rights (or equivalent rights) in your User Content and agree not to assert such rights against us, our sublicensees, or our assignees.

17.3. IP Infringement

We respect the Intellectual Property Rights of others. If you believe that your rights have been infringed, please notify us through our designated IP takedown procedure. We will investigate and take appropriate action in accordance with Singapore law. We reserve the right to remove User Content and terminate the Accounts of repeat infringers.

18.1. "AS IS" BASIS

THE PLATFORM AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

18.2. NO LIABILITY FOR USER ACTIONS

WE SHALL NOT BE LIABLE IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE FOR ANY LOSSES OR DAMAGES, WHETHER DIRECT OR INDIRECT, ARISING FROM OR IN CONNECTION WITH THE ACTIONS OR INACTIONS OF OTHER USERS, OR FOR GOODS SOLD ON THE PLATFORM.

WE ALSO DISCLAIM LIABILITY FOR INTERRUPTIONS OR FAILURES AND DAMAGES FROM THIRD-PARTY PAYMENT SERVICES.

18.3. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LIFE AI PTE. LTD., ITS DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR USE OF THE SERVICES; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; OR (III) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT. WE ARE NOT LIABLE FOR FORCE MAJEURE EVENTS SUCH AS NATURAL DISASTERS, CYBERATTACKS, OR REGULATORY CHANGES.

The limitations in this section do not apply to liabilities that cannot be excluded or limited under applicable mandatory laws, such as certain consumer protection or data protection obligations.

18.4. LIABILITY CAP

NOTWITHSTANDING ANYTHING TO THE CONTRARY AND TO THE EXTENT PERMITTED BY LAWS, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT OF FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE THOUSAND SINGAPORE DOLLARS (S$1,000.00).

THE LIMITATIONS SET FORTH IN THIS SECTION SHALL NOT APPLY TO LIABILITY ARISING FROM OUR OWN GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD.

18.5. Informational and Educational Purposes Only

The information and content provided through the Services, including but not limited to genetic reports and wellness recommendations, are for general informational, educational, and motivational purposes only. They do not constitute medical, surgical, investment, or financial advice. Always consult a qualified physician, healthcare provider, or other relevant professional regarding your specific circumstances before making any decisions based on information obtained from the Services. Never disregard professional medical advice because of something you have learned through our services.

20.1. Not Medical Advice

THE CONTENT AND INFORMATION PROVIDED THROUGH OUR SERVICES, INCLUDING BUT NOT LIMITED TO GENETIC REPORTS AND WELLNESS RECOMMENDATIONS, ARE NOT MEDICAL ADVICE. They are not a substitute for professional medical advice, diagnosis, or treatment from a physician or other qualified healthcare provider.

20.2. User Assumption of Risk

You are solely responsible for how you interpret and act upon the information provided. Your reliance on this information is done entirely at your own risk. You acknowledge that you may learn information about yourself that you do not anticipate, which may have personal or social implications.

We disclaim all liability for any harm or damages resulting from the misuse of any products, such as the improper collection of samples for genetic testing services. Furthermore, we bear no responsibility for any misrepresentation or unauthorized use of our services or brand by users or other third parties.

20.3. Age & Eligibility

You must be at least 18 years of age to purchase or use our sensitive products, including genetic testing services. By placing an order for such products, you represent and warrant that you meet this age requirement. We reserve the right to require age verification and to cancel any order if we believe this requirement is not met.

20.4. Consult a Healthcare Professional

You should always seek the advice of your physician or another qualified health provider with any questions you may have regarding a medical condition or before starting any new diet, exercise, or other health regimen. Never disregard professional medical advice or delay in seeking it because of something you have read or learned through our services.

22.1. Governing Law

These Terms and any disputes arising from them shall be governed by the laws of the Republic of Singapore, without regard to its conflict of law principles. However, where mandatory provisions of the law in your jurisdiction provide greater consumer protections, those provisions shall apply and may override conflicting terms herein.

Nothing in these Terms shall limit, restrict, or waive your statutory rights as a consumer under applicable mandatory local laws.

22.2. Dispute Resolution Process

Any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Services (collectively, "Disputes") shall be resolved as follows, to the extent permitted by applicable law:

(a) Good Faith Resolution: The parties shall first attempt to resolve the Dispute through good faith discussions. The aggrieved party must provide written notice of the Dispute to the other party (for LIFE AI, via email), detailing the nature of the Dispute and a proposed resolution. The parties shall engage in discussions for at least thirty (30) days from the date of notice.

(b) Mediation: If the Dispute remains unresolved after thirty (30) days, it shall be submitted to non-binding mediation administered by the Singapore Mediation Centre (SMC) or an equivalent neutral institution, in accordance with its rules. Mediation shall be conducted remotely where possible.

(c) Arbitration or Litigation: If mediation fails, the Dispute shall be finally resolved by either binding arbitration or litigation.

(i) Arbitration: The Dispute may be resolved by binding arbitration administered by the Singapore International Arbitration Centre (SIAC) under its rules. The arbitration shall be conducted in English via remote proceedings. The arbitrator's decision shall be final and enforceable.

(ii) Litigation: Disputes not subject to arbitration may be resolved in the courts of Singapore or, at your option, in the competent courts of your country of residence, applying the mandatory laws of that jurisdiction.

(d) Class Action Waiver: To the extent permitted by law, you agree that any Disputes will be resolved on an individual basis only and not as a class, consolidated, or representative action. If this waiver is found to be unenforceable, it shall not affect the validity of the rest of this section.

(e) Exceptions: Notwithstanding the above, we reserve the right to seek injunctive or other equitable relief in any court of competent jurisdiction to address intellectual property infringement, data breaches, or other urgent matters necessary to protect our platform and its users.

22.3. Disputes between Users (post Guarantee Period)

You acknowledge and agree that for any disputes arising between you and another User after the Guarantee Period has concluded, you shall resolve such disputes directly with the other party. While LIFE AI has no obligation to intervene, we may, at our sole discretion, provide a voluntary and non-binding dispute resolution tool to facilitate communication between Users. You agree that LIFE AI's role in facilitating such communication is strictly as a neutral third party and that we will not act as a mediator, arbitrator, or judge. We do not guarantee the resolution of any dispute, and you hereby release LIFE AI from any and all claims, demands, and damages arising out of or in connection with any dispute you have with another User.

25.1. Termination by You

You may terminate your account at any time through your account settings on the Platform. You remain responsible for all obligations related to your account even after it is closed, including completing any pending transactions or settling any outstanding fees owed to us or other users.

25.2. Termination by Us

We reserve the right to, at our sole discretion, suspend or terminate your account and your access to the Services, with or without prior notice, for any reason, including but not limited to:

(d) Any breach of these Terms of Service or our other incorporated policies;

(e) Engaging in fraudulent, illegal, harassing, or other prohibited activities;

(f) Providing false, inaccurate, or misleading information;

(g) Creating risk or possible legal exposure for us, our users, or third parties; or

(h) Prolonged periods of inactivity (after 6 months).

25.3. Effect of Termination

Upon the termination of your account, your right to use the Services will immediately cease. We will have no obligation to return any of your User Content. We may, at our discretion, complete or cancel any of your pending transactions and will manage any funds held under the Transaction Guarantee in accordance with our policies. All fees owed to us up to the date of termination will become immediately due and payable.

25.4. Survival

Any provisions of these Terms of Service that, by their nature, should survive termination shall survive termination. This includes, without limitation, ownership provisions, the User Content license, warranty disclaimers, indemnity, limitations of liability, and dispute resolution provisions.

26.1. Severability

If any provision is deemed invalid, the remaining provisions shall remain in full force and effect.

26.2. Entire Agreement

These Terms, together with our Privacy Policy, Refunds & Return Policy, Seller Policy, Prohibited Items list, and any other policies or rules posted on the Platform, all of which are incorporated herein by reference, constitute the entire and exclusive agreement between you and LIFE AI regarding the Services, and supersede and replace any prior agreements, whether written or oral.

These documents are legally binding and must be interpreted harmoniously. In the event of a direct conflict, this Terms of Service shall prevail, except where a specific provision in another incorporated policy provides greater user protection.

26.3. Assignment

We may assign these Terms; you may not assign without our consent.

26.4. Waiver

Failure to enforce any breach does not constitute a waiver of the right to enforce it later.

26.5. Third-Party Links

We are not responsible for any external websites or services linked on the Platform.

26.6. Ethical Compliance

You agree to comply with anti-corruption and anti-bribery regulations in all transactions on the Platform.

26.7. Feedback

We welcome input from Buyers to improve the quality of the Platform.

You can submit feedback by emailing us, through surveys, or via other communication channels.

If you provide us with any feedback, you agree that such feedback will be considered non-confidential and non-proprietary. You hereby grant and assign to LIFE AI all of your right, title, and interest in and to all feedback, including all intellectual property rights therein. Accordingly, you agree that we may use, disclose, reproduce, license, distribute, and otherwise commercialize your feedback in any way, for any purpose, without any obligation or compensation to you.

We are not required to review, consider, or implement any feedback.

26.8. Contact & Data Protection Officer

For inquiries: support@lifeai.sg | LIFE AI Pte. Ltd., 3 Fraser Street, #4-23A, Duo Tower, Singapore 189352.

Data Protection Officer (DPO): tuan@lifenetwork.ai | Tel: +65-XXXX XXXX.

26.9. No Agency or Partnership

Nothing in these Terms of Service shall be construed as creating any agency, partnership, joint venture, employment, or franchisee relationship between you and LIFE AI. You acknowledge that you are an independent third-party user of the Platform and not an employee, agent, or partner of LIFE AI, and you have no authority to bind LIFE AI in any respect whatsoever.

26.10. Taxes

You are solely responsible for determining your own tax reporting requirements, and for the collection, remittance, and payment of all applicable taxes (including but not limited to Goods and Services Tax (GST), Value-Added Tax (VAT), sales tax, or income tax) arising from or in connection with your activities on or through the Platform. LIFE AI is not responsible for advising on, collecting, or remitting any such taxes on your behalf.