PLEASE READ THE TERMS OF THIS POLICY CAREFULLY BEFORE USE

1. Definitions

2. What’s in these terms?
   • These terms of use govern your use and access to our Services, including our Platforms(s), our website (which contains or is part of www.homi.com.sg), our application(s), our application programming interfaces (APIs), our notifications and any information or our content appearing therein (collective, our “Platforms”).
   • These terms of use sets out the Terms and Conditions that apply when you use our Platforms, upload content to our Platforms, make contact with other users on our Platforms, link to our Platforms, or interact with our Platforms in any other way.
   • These terms of use include and should be read together with our Privacy Policy at www.homi.com.sg. Please refer to our Privacy Policy at www.homi.com.sg to understand how we collect your personal data and what we do with it as well as the rights that you have on your information
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3. Who we are and how to contact us
   • Our Platforms is operated by HOMI COLLECTIVE PTE. LTD. (UEN No. 202546658R) of 105 CECIL STREET, #18-00, THE OCTAGON, SINGAPORE 069534 (“We” or “Us” or “Our” or “Homi”) for the purposes of providing the Services.
   • Homi is an online marketplace that provides a wide variety of services in return for commission from the service provider based on the price set by the service provider (“Merchant”). Customers will be able to browse the app for the different services available, make a booking, contact the merchants if they have any queries, and make the payment through the app. Once customer confirm the booking, the amount will be held and the merchants will then have 24 hours to accept the booking or the booking will be deemed cancelled and the payment will not go through.
   • To contact us regarding these terms of use, please email Us at support@homi.com.sg or telephone our customer Service line on +6585867809.
     
     
4. By using our Platforms, you accept these terms
   • By clicking “I agree” or using any of our Platforms, you agree to these terms regardless of who you are. If you are using any of our Platforms on behalf of any entity, you agree that you are an authorised representative or agent of the entity.
     
     
5. We may make changes to the terms of this policy
   • We may amend these terms from time to time. Every time you wish to use our Platforms, please check these terms to ensure you understand the terms that apply at that time. It is recommended that you inform us or seek independent legal advice should you be unsure of your rights. If we make material changes to the terms of use, we will endeavour to either inform you or post a notification on any of our Platforms. By continuing to use our Platform and our Services after the changes come into effect means that you agree to be bound by the revised or amended terms of use.
     
     
6. Your account
   • In order to use our Platforms or access any of our Services, you must register and maintain an account with us. To create an account, you must be at least [insert minimum age] years old and provide the required information including your full name, valid email address, and location. Additional information may be required depending on the Services accessed. You:
     • must be above the age of eighteen (18);
     • must provide true, accurate and up to date information about yourself to us;
     • agree that you will be responsible for all activities conducted through, on or via your account;
     • must keep your account information (including your password and other login details) confidential and secure; and
     • must not provide any third party with access to your account. If you know or suspect any unauthorised access to or use of your account, you must promptly notify us at +6585867809.
     • If you forget your password or lose access to your account, you may initiate an account recovery process by clicking the “Forgot Password” link on the login page or by contacting us at +6585867809. We will verify your identity through the email address or other authentication methods associated with your account and provide you with instructions to reset your password or recover account access. You are responsible for responding to our verification requests in a timely manner to complete the recovery process.
   • We have the right to suspend or terminate your account at any time for breach of these terms or for other reasonable cause. Where reasonably practicable, we will provide you with notice and an opportunity to remedy the breach before termination, except in cases of serious breach, illegal activity, or where immediate action is necessary to protect our Platform or other users. This includes, but is not limited to, cases where we suspect that you have breached any terms of this Agreement or the Privacy Policy, engaged in any misuse or misconduct, violated any applicable laws or regulations, or where we believe such action is necessary to protect our Platform, other users, or our legitimate interests.
     
     
7. Using our Platforms
   • This section applies to you if you are using our Platforms or Services.
   • By using our Platforms and/or Services, you agree that:-
     • If you are representing an entity, you are fully authorised to represent such entity;
     • you are of legal age and capacity;
     • you will at all time, maintain and comply with all laws and regulations of Singapore;
     • you will not use our Platform for any unlawful or unauthorised purposes;
     • we are a third party platform and facilitate transactions but are not a party to the contractual relationship between merchants and customers;
     • all information provided by you to our website is accurate, correct, true and up to date; and
     • you are fully responsible for all transactions conducted by you on our Platform.
   • You agree to indemnify and hold harmless Homi, its Affiliates, directors, officers, employees, and agents against losses, damages, claims, costs, and expenses (including reasonable legal fees) directly arising from: (i) your breach of these terms of use, (ii) your wilful misconduct or gross negligence in using our Platforms, (iii) your material misrepresentation, or (iv) your violation of applicable laws or regulations through your use of our Platform. This indemnity shall not apply to the extent that losses arise from Homi’s negligence, wilful misconduct, or breach of these terms. In particular, you agree that: –
     • Homi or its Affiliates will not be responsible for any claims, damages, losses, negligence, fraud, costs and expenses arising from your use of Our Platforms; and
     • To the fullest extent permitted by law, Homi or its affiliates shall not be liable for indirect, consequential, special, or incidental losses including loss of data, business, opportunities, reputation, profits, or revenue, except where such losses arise from our fraud, wilful misconduct, or gross negligence. Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under Singapore law.
   • You further acknowledge and agree that:
     (a) Homi acts solely as a platform provider facilitating transactions between you and third-party merchants;
     (b) any and all disputes, claims, or causes of action arising out of or relating to any transaction with, or services provided by, a Merchant (including but not limited to disputes concerning product quality, delivery, warranties, refunds, or any other matter) shall be directed exclusively against the relevant Merchant and not against Homi;
     (c) you hereby irrevocably waive any right to bring any claim, action, or proceeding against Homi in connection with any dispute with a Merchant; and
     (d) Homi shall have no liability whatsoever for any loss, damage, or injury arising from or in connection with your dealings with any Merchant, whether such loss, damage, or injury is direct, indirect, consequential, or otherwise.
     
     
8. Merchant onboarding and Platform use
   • Merchant Onboarding Process

(a) Registration and Verification: Merchants must complete the registration process through the Platform by providing accurate business information, including but not limited to business name, registration number (UEN), business address, contact details, authorized representative information with identification documents, and all relevant business licenses, permits, or professional certifications required under Singapore law for their specific service category. Merchants represent and warrant that all information provided is true, accurate, current, and complete.

(b) Account Activation: Upon submission of registration details, the Company shall conduct verification procedures, which may include document verification, background checks, compliance screening, and verification of professional qualifications where applicable. Account activation shall occur only upon successful completion of all verification requirements and the Merchant’s express acceptance of these Terms, including all indemnification obligations set forth herein. The Company reserves the right to reject any application or suspend verification at its sole discretion.

(c) Profile Setup: Merchants must establish a complete business profile including business description, operating hours, service areas, payment methods accepted, insurance coverage details (where applicable to the service type), and any other information reasonably required by the Company to facilitate customer engagement. Merchants represent and warrant that their business profile accurately reflects their capabilities, qualifications, and service offerings.

• Service Listing and Management

(a) Service Catalog: Merchants shall have the capability to create, upload, and manage service listings on the Platform, including service descriptions, pricing, availability, duration, terms and conditions, and photographic or video content subject to the Company’s content guidelines.

(b) Pricing Authority: Merchants retain sole discretion over service pricing, provided that all prices must be clearly displayed, inclusive of any applicable taxes (including GST), and comply with Singapore’s Consumer Protection (Fair Trading) Act and Price Control Act where applicable.

(c) Service Modifications: Merchants may modify service listings at any time, provided that such modifications shall not affect bookings already confirmed unless mutually agreed with the affected customers or as permitted under these Terms. Merchants shall be solely responsible for any disputes, claims, or liabilities arising from service modifications, including but not limited to customer dissatisfaction, breach of contract claims, or regulatory violations. Merchants shall indemnify and hold harmless the Company, its Affiliates, directors, officers, employees, and agents against any and all claims, losses, damages, costs, and expenses (including reasonable legal fees) arising from such service modifications.

(d) Content Standards: All service listings must comply with the Company’s content policies, applicable laws, and must not contain misleading information, prohibited content, or materials that infringe third-party intellectual property rights.

• Campaign Management and Promotional Tools

(a) Campaign Creation: The Platform shall provide Merchants with tools to create and manage promotional campaigns, including discounts, special offers, package deals, seasonal promotions, and loyalty programs.

(b) Campaign Parameters: Merchants may set campaign parameters including validity periods, usage limitations, minimum purchase requirements, exclusions, and redemption conditions, provided such terms are clearly communicated to customers and comply with Singapore’s Consumer Protection (Fair Trading) Act and other applicable consumer protection laws. Merchants shall be solely responsible for honoring all promotional terms and conditions. Merchants shall indemnify the Company against any claims arising from: (i) failure to honor promotional offers; (ii) misleading or deceptive promotional terms; (iii) disputes over campaign terms or redemption; or (iv) violation of consumer protection laws in connection with promotions.

(c) Campaign Approval: Certain promotional campaigns, particularly those featured prominently on the Platform or involving Platform-wide promotions, may require prior approval from the Company to ensure consistency with Platform standards and marketing strategies. The Company’s approval of any campaign does not constitute endorsement of the campaign terms or assumption of any liability for the campaign. Merchants remain solely responsible for all aspects of their campaigns and shall indemnify the Company for any claims arising therefrom, regardless of whether the campaign received prior approval.

(d) Performance Analytics: The Company shall provide Merchants with campaign performance metrics, including views, engagement rates, conversion rates, and revenue generated, to enable data-driven marketing decisions.

• Advertising Options and Sponsored Listings

(a) Advertising Services: The Platform may offer Merchants optional paid advertising services, including sponsored search placements, featured listings, banner advertisements, and targeted promotional opportunities, subject to separate advertising terms and fee schedules.

(b) Ad Content Requirements: All advertising content must comply with Singapore’s Advertising Standards Authority of Singapore (ASAS) Code of Advertising Practice, the Competition and Consumer Commission of Singapore (CCCS) guidelines, the Company’s advertising policies, and must not contain false, misleading, or deceptive claims, or violate any advertising regulations. Merchants represent and warrant that all advertising content is truthful, accurate, and compliant with all applicable laws. Merchants shall indemnify the Company against any claims, regulatory actions, fines, or penalties arising from non-compliant, false, misleading, or deceptive advertising content.

(c) Ad Performance: The Company shall provide reasonable efforts to deliver advertising services as specified, but does not guarantee specific results, rankings, or customer acquisition outcomes from advertising placements.

• Merchant Dashboard and Analytics

(a) Dashboard Access: Merchants shall have access to a dedicated merchant dashboard providing real-time information on bookings, revenue, customer reviews, performance metrics, and account status.

(b) Analytics and Reporting: The dashboard shall include analytics tools providing insights on customer demographics, booking patterns, peak demand periods, service performance, revenue trends, and comparative market data where available.

(c) Financial Management: The dashboard shall display transaction history, pending settlements, completed payments, fee breakdowns, refund records, and shall provide downloadable financial reports for accounting purposes.

(d) Customer Insights: Subject to applicable data protection laws, the dashboard may provide aggregated and anonymized customer behavior data to assist Merchants in service optimization and business planning.

• Staff Management and Access Controls

(a) Multi-User Access: Merchants may create multiple staff accounts with varying permission levels to manage different aspects of the Platform, including service management, booking management, customer communications, and financial reporting.

(b) Role-Based Permissions: The Platform shall support role-based access controls enabling Merchants to assign specific permissions to staff members, such as view-only access, booking management rights, or full administrative privileges.

(c) Staff Accountability: Merchants remain fully responsible for all actions taken by their staff members through the Platform and must ensure staff compliance with these Terms and applicable laws.

(d) Access Security: Merchants must implement appropriate security measures for staff accounts, including strong password requirements, regular password updates, and immediate revocation of access for terminated staff members.

• OTP Verification Process for Service Delivery

(a) OTP Generation: Upon confirmation of a booking, the Platform shall generate a unique One-Time Password (OTP) that will be provided exclusively to the customer through secure communication channels (SMS, email, or in-app notification).

(b) Service Commencement Verification: Before commencing service delivery, the Merchant must request and verify the OTP from the customer. The customer shall present the OTP to the Merchant, who must enter it into the Platform system to confirm service commencement.

(c) Service Completion Verification: Upon completion of the service, the Merchant must again verify completion through the Platform by obtaining customer confirmation, which may include a secondary OTP verification, digital signature, or photographic evidence as appropriate to the service type.

(d) Dispute Prevention: The OTP verification process serves as prima facie evidence of service delivery and completion. Failure by the Merchant to properly complete OTP verification may result in the Merchant bearing the burden of proof in any dispute regarding whether services were delivered. Merchants shall indemnify and hold harmless the Company from any claims, losses, or disputes arising from the Merchant’s failure to properly implement or complete the OTP verification process, including any customer refund claims or chargebacks resulting from such failure.

(e) OTP Security: Merchants must not share, disclose, or compromise the OTP verification system. Any attempt to circumvent, manipulate, or fraudulently use the OTP system shall constitute a material breach of these Terms and may result in immediate account suspension and legal action.

(f) Technical Failures: In the event of technical failures preventing OTP verification, Merchants must immediately contact the Company’s support team and document the service delivery through alternative means approved by the Company, such as photographic evidence, customer signatures, or video confirmation. Merchants shall indemnify and hold harmless the Company from any claims, disputes, or losses arising from the Merchant’s failure to properly document service delivery through approved alternative means during technical failures, or from the Merchant’s provision of services without proper verification or Company approval.

(g) Record Retention: All OTP verification records shall be retained by the Platform for a minimum period of seven (7) years or such longer period as required under Singapore law, and may be used as evidence in dispute resolution proceedings.

• Platform Use Obligations

(a) Active Management: Merchants must actively manage their Platform presence, including timely responses to customer inquiries (within 24 hours), prompt acceptance or rejection of booking requests, regular updates to service availability, and maintenance of accurate business information.

(b) Service Standards: Merchants must maintain high service quality standards, honor all confirmed bookings, deliver services as described in listings, and comply with all applicable professional standards and regulatory requirements for their industry. Merchants shall indemnify, defend, and hold harmless the Company from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to: (i) the Merchant’s failure to meet service quality standards; (ii) breach of confirmed bookings; (iii) misrepresentation of services in listings; (iv) non-compliance with professional standards or regulatory requirements; or (v) any injury, damage, or loss suffered by customers or third parties in connection with the Merchant’s provision of services.

(c) Platform Integrity: Merchants must not engage in activities that compromise Platform integrity, including but not limited to creating fake reviews, manipulating ratings, circumventing Platform fees, soliciting off-platform transactions, or interfering with other Merchants’ businesses.

(d) Compliance Monitoring: The Company reserves the right to monitor Merchant activities on the Platform, conduct quality audits, request documentation, and implement performance improvement plans where Merchant performance falls below acceptable standards.

• Indemnity

The Merchant shall indemnify, defend, and hold harmless Homi, its affiliates, officers, directors, employees, agents, successors, and assigns from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees and disbursements on a solicitor-client basis) arising out of, resulting from, or in connection with:

• any act, omission, negligence, wilful misconduct, or breach of this Agreement by the Merchant, its employees, agents, contractors, or representatives;
• any claim, demand, or action brought by any Customer or third party against Homi or any of its affiliates arising from or relating to:
  • the Merchant’s products, services, or business operations;
  • any representation, warranty, or undertaking made by the Merchant to such Customer or third party;
  • any breach of applicable laws or regulations by the Merchant; or
  • any infringement or alleged infringement of intellectual property rights, privacy rights, or other proprietary rights arising from the Merchant’s conduct;
• any violation by the Merchant of any applicable law, statute, regulation, or ordinance in Singapore or any other relevant jurisdiction; or
• any failure by the Merchant to obtain necessary licences, permits, consents, or approvals required for its business operations.

  The Merchant’s indemnification obligations under this clause shall survive the termination or expiry of this Agreement. The Merchant shall, at its own expense, assume the defence of any claim subject to indemnification hereunder upon written notice from Homi, provided that Homi shall have the right to participate in such defence with counsel of its own choosing at the Merchant’s expense. The Merchant shall not settle any claim without the prior written consent of Homi, which consent shall not be unreasonably withheld or delayed.

9. Payment Terms and Commissions
   • (a) Services Marketplace: Merchants set their own service prices on the Platform. Homi charges merchants a commission of 5% of each completed transaction. Customers pay the full service price displayed, which includes the merchant’s fee and our commission. (b) Payment Methods: We accept the following payment methods: credit cards (Visa, Mastercard, American Express), debit cards, digital wallets (PayPal, Apple Pay, Google Pay), and bank transfers. All payments must be made in Singapore Dollars SGD. (c) Payment Processing: When a customer confirms a booking, the payment amount is authorized and held. If the merchant accepts the booking within 24 hours, the payment is processed. If the merchant does not accept within 24 hours, the booking is automatically cancelled and no charge is processed. (d) Merchant Payments: Merchants will receive payment for completed services within payment received upon booking confirmation business days after service completion, minus our commission. Payments to merchants will be made via bank transfer to the merchant’s registered account. (e) Billing Cycles: For customers, charges occur at the time of booking confirmation. For merchants, commission deductions occur at the time of each transaction, with statements provided monthly. Merchants will receive payment immediately upon confirmation of the booking. (e) Currency: All transactions are processed in Singapore Dollars SGD. Currency conversion fees may apply for international transactions. (g) Taxes: All prices are exclusive of applicable taxes unless otherwise stated. Users are responsible for any applicable taxes in their jurisdiction. (h) In the event a voucher is used by a customer, while an upfront payment of the actual fees will be made to the Merchant, the Merchant will receive the balance voucher amounts within thirty (30) days.
   • We reserve the right to modify our fees, commission rates, and pricing structure. In the event of any fee changes: (a) We will provide at least 30 days’ advance written notice to all registered users via email and through a prominent notification on our Platforms before any fee changes take effect. (b) The notice will clearly specify the nature of the fee changes, the new fee structure, and the effective date of such changes. (c) Users who do not agree to the fee changes may terminate their account without penalty at any time before the effective date of the changes by providing written notice to us. (d) Continued use of our Platforms and Services after the effective date of fee changes constitutes acceptance of the new fees. (e) For merchants with active bookings at the time of fee changes, the previous fee structure will apply to all bookings made before the effective date of the change.
   • If a payment authorization fails at the time of booking, the customer will be immediately notified and given the opportunity to retry with the same or a different payment method. The system will allow up to three (3) retry attempts within 24 hours. (b) Failed Booking Payments: If all payment attempts fail, the booking will not be confirmed and the merchant will not be notified. The customer will receive a notification that the booking was unsuccessful due to payment issues. (c) Failed Recurring Payments: For any subscription-based services or recurring fees, if a scheduled payment fails, we will automatically retry the payment after 3 days and again after 7 days. The user will be notified of each failed attempt via email. (d) Account Suspension for Failed Payments: If payment failures remain unresolved after all retry attempts: (i) The customer’s account may be temporarily suspended after 14 days of non-payment for any outstanding amounts owed; (ii) Suspended accounts will have limited access to the Platform and will not be able to make new bookings; (iii) Users will be notified at least 7 days before any account suspension; (iv) Accounts can be reactivated once all outstanding payments are resolved. (e) Outstanding Balances: Users are responsible for all outstanding balances owed to us. We reserve the right to pursue collection of unpaid amounts through appropriate legal means. (f) Payment Method Updates: Users must maintain current and valid payment information in their account. Users will be notified if a payment method is expiring or has been declined.
   • We are committed to maintaining the highest standards of payment security. Our payment processing systems are Payment Card Industry Data Security Standard (PCI DSS) compliant. We use certified third-party payment processors that meet PCI DSS Level 1 compliance requirements. (b) Data Encryption: All payment information transmitted through our Platforms is encrypted using industry-standard SSL/TLS encryption protocols (minimum 256-bit encryption). Payment card data is tokenized and we do not store complete card details on our servers. (c) Secure Payment Processing: All payment transactions are processed through secure, PCI-compliant payment gateways. We employ fraud detection and prevention measures to protect against unauthorized transactions. (d) Data Protection: We implement appropriate technical and organizational measures to protect payment data against unauthorized access, alteration, disclosure, or destruction, in accordance with applicable data protection laws and regulations. (e) Compliance with Laws: Our payment processing complies with all applicable laws and regulations including but not limited to anti-money laundering (AML) requirements, know-your-customer (KYC) regulations, and relevant financial services regulations in the jurisdictions where we operate. (f) Third-Party Processors: We may use third-party payment service providers to process payments. These providers are carefully selected based on their security standards and compliance certifications. A list of our payment processors is available upon request. (g) User Responsibilities: Users must take reasonable precautions to protect their account credentials and payment information. Users should notify us immediately of any unauthorized use of their account or payment information.
   • In the event of a payment dispute or chargeback request, Homi reserves the right to investigate and mediate disputes between Customers and Merchants. Customers must submit chargeback requests through the Platform within 30 days of the transaction date. Homi will review all supporting documentation and may withhold or reverse payments pending resolution. Merchants will be notified of chargeback claims and given an opportunity to respond within 7 business days. Homi’s decision on chargeback disputes shall be final and binding. Excessive chargebacks may result in account suspension or termination. All chargeback fees imposed by payment processors may be passed on to the party found responsible for the dispute. Merchants shall indemnify and hold harmless the Company from and against any losses, costs, expenses, and fees (including chargeback fees, administrative costs, and legal fees) incurred by the Company as a result of chargebacks or payment disputes arising from the Merchant’s negligence, fraud, misrepresentation, failure to deliver services as described, or breach of these Terms.
   • All payments processed through the Platform shall be conducted in Singapore Dollars (SGD) unless otherwise specified for your region. For transactions involving currency conversion, Homi will apply the exchange rate provided by our payment processor at the time of transaction. Exchange rates are subject to fluctuation and may include a currency conversion fee of up to 3% of the transaction amount. The final amount charged will reflect the converted currency amount based on the exchange rate applicable at the time of payment processing. Users are responsible for any additional fees imposed by their financial institutions for currency conversion or international transactions.
10. Payment Dispute Resolution
    • In the event of a payment dispute between users and Homi, the disputing party must first contact Homi’s customer service at support@homi.com.sg within 14 days of the disputed transaction. The dispute notice must include: (a) transaction details, (b) nature of the dispute, and (c) supporting documentation. Homi will acknowledge receipt within 2 business days and investigate the matter within 10 business days. During the investigation, Homi may temporarily hold disputed funds. Both parties will be given an opportunity to provide evidence and statements. Homi will make a determination based on the evidence provided, the terms of this agreement, and applicable law. If the dispute cannot be resolved through this process, parties may pursue resolution through the dispute resolution mechanisms outlined in the Governing Law section. Users agree to cooperate fully during the dispute resolution process and provide requested documentation in a timely manner.
    • The Merchants and the Customers jointly and severally agree to indemnify, defend, and hold harmless Homi, its affiliates, and their respective officers, directors, employees, agents, and representatives (collectively, the Indemnified Parties) from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees and disbursements) arising out of, relating to, or in connection with: (a) any Payment Dispute and Homi’s role as arbitrator in resolving such dispute; (b) any decision, determination, or award made by Homi in its capacity as arbitrator; and (c) the enforcement or implementation of any such decision, determination, or award. This indemnity shall survive the termination or expiration of any agreement between the parties and shall remain in full force and effect notwithstanding any settlement or resolution of the underlying Payment Dispute.
11. Refund Policy
    • Refunds will be processed in Homi’s absolute discretion but according to the following terms:

(a) Cancellation by Customer Before Merchant Acceptance: If a customer cancels a booking before the merchant accepts it, no charges will be applied and any held amounts will be released within 3-5 business days.

(b) Cancellation After Acceptance (More Than 24 Hours Before Service): If a customer cancels a booking after merchant acceptance but more than 24 hours before the scheduled service time, a full refund of 100% of the booking amount will be provided, with the administrative charge to be borne jointly by the platform and the merchant.

(c) Cancellation Within 24 Hours: Cancellations made within 24 hours of the scheduled service time will result in a refund of only 20% of the total booking amount, unless the customer provides a valid reason (such as illness or emergency) in writing to customer service at support@homi.com.sg, in which case a higher refund may be granted at the platform’s discretion.

(d) No-Show or Late Customer: If the customer fails to appear for the booking or is more than 30 minutes late, and the merchant is present at the scheduled location, the merchant has the right to cancel the booking and no refund will be provided to the customer.

(e) Merchant Cancellation: If a merchant cancels an accepted booking more than 72 hours before the scheduled service time, the customer will receive a full refund within 5-7 business days, and the administrative charge will be borne entirely by the merchant. If a merchant cancels within 72 hours of the booking time, the customer will receive a full refund and the merchant may be subject to additional penalties. (f) Service Issues: If a service is not provided as described or there are significant quality issues, customers may request a refund within 7 days of the service date by contacting customer service at support@homi.com.sg. Each case will be reviewed individually, and any cancellation fees will be charged to the merchant. (g) Refund Processing Time: Approved refunds will be processed within 7-10 business days to the original payment method used for the booking.

12. General use of our content
    • This clause applies to your access and use of our Platforms and its associated Platforms, APIs, applications button, widgets, SMS and e-mail notifications as well as any information, text, graphics, photos or other materials uploaded, downloaded or appearing on our Platforms (collectively referred to as the “Content”).
    • You represent and warrant that you will not do any of the following while accessing or using our Content: (a) license, sublicense, sell, resell, transfer, assign or otherwise commercially exploit or make available to any third party the Content in any way; (b) modify or make derivative works based on the Content, or reverse engineer or access the underlying software for any reason; (c) access or search, or attempt to access or search, the Content by any means (automated or otherwise) other than through the currently available, published interface which is provided by us; (d) interfere with or disrupt the Content or the servers or networks providing the Content; or (e) perform any action with the intent of introducing to the Content any software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs.
    • You are expressly prohibited from conducting any unauthorized security testing, penetration testing, vulnerability scanning, or any other security assessment activities on our Platform, Content, servers, networks, or infrastructure without our prior written consent. This includes, but is not limited to, attempting to probe, scan, test, breach, or circumvent any security or authentication measures, regardless of intent.
    • You shall ensure that you use the Content in accordance with all applicable law. You are responsible for making all arrangements necessary for you to have access to the Content. You are also responsible for ensuring that all persons who access the Content through your internet connection are aware of these Terms of Service, our Data Protection Policy as well as applicable law, and that they comply with them.
    • Further, you may not use our Platforms:
      • In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
      • For the purpose of harming or attempting to harm minors in any way.
      • To bully, insult, intimidate or humiliate any person.
      • To send, knowingly receive, upload, download, use or re-use any material which does not comply with our Content Standards.
      • To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

13. Our Proprietary System and Services
    • We may from time to time provide various services on our Platforms (which may or may not be paid services), including, without limitation:
      • Chat rooms.
      • Bulletin boards.
      • Customer Service interfaces.
      • Our proprietary CRM Systems.
      • Our proprietary software and systems.
      • Any other services that We may introduce from time to time.

(the “Services”)

• By using our Platforms and agreeing to our terms, we grant you a limited, personal, worldwide, royalty-free, non-assignable, non-transferrable, non-sublicensable, non-exclusive and revocable licence to access and use our Platform and the Services, including any software or application as part of the Services we offer. This licence is for the sole purpose of enabling you to use and enjoy the benefit of our Platform as provided by us and in the manner as permitted by these terms. We reserve the right to terminate or suspend this license immediately, with or without notice, for any violation of these terms or for any other reason at our sole discretion;
• Save for information input by you in connection with the use of our Services or any other authorised purposes, you cannot copy, modify, distribute, sell, lease, loan or trade any access to the Platforms or any data or information on it;
• We may provide some of more elements of the Services through third party service providers;
• We may release Products, Services, functionalities or features that we are still testing and evaluating;
• We may from time to time change or discontinue any of the Products or Services we offer (including any modification of the Platforms), or add or remove functionalities or features, and we may suspend or stop certain Products, Services, functionalities or features altogether. If we discontinue certain Products, Services, functionalities or features, we will give you advance notice where reasonably possible.
• While we implement reasonable security measures, we make no warranties or guarantees regarding the security of our Platforms and/or Services. You acknowledge that despite our security measures, third parties may attempt to illegally interfere with or hack the Platform and/or Services. Homi shall not be liable for losses resulting from security breaches caused by third parties, except to the extent such losses arise from our failure to implement reasonable security measures or our negligence in protecting user data as required under the Personal Data Protection Act 2012. Users are responsible for implementing their own security measures and safeguards when using our Platform.
• During service disruptions, Homi will provide technical support through our standard support channels as outlined in the Support Policy. Support availability and response times during disruptions will follow our normal support service levels. Users may contact support at [support contact information] for assistance, status updates, and estimated resolution times. While we strive to maintain Platform availability, we cannot guarantee uninterrupted access. The Platform may be interrupted, suspended, or terminated for maintenance, repairs, upgrades, network or equipment failures, or circumstances beyond our reasonable control. We will provide reasonable notice of planned maintenance where practicable. Homi shall not be liable for losses arising from interruptions or unavailability except where such losses result from our wilful misconduct or gross negligence, or to the extent liability cannot be excluded under Singapore law.
• Homi shall not be liable for any failure or delay in performing its obligations under this Agreement where such failure or delay results from events beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, government actions, pandemics, epidemics, failure of telecommunications or internet infrastructure, cyberattacks, or other force majeure events. During any force majeure event, Homi’s performance obligations shall be suspended for the duration of such event, and we will use commercially reasonable efforts to resume normal operations as soon as practicable. We will notify users of force majeure events affecting service availability when reasonably possible.
• We reserve the right to modify, suspend, or discontinue any part of the Platforms at our sole discretion, including changes that may materially reduce functionality. We retain the right to store, use, or delete any data stored with us after your in accordance with applicable laws and our data retention policies, without any liability to you.
• You are responsible for configuring your information technology, computer programmes and platform or system in order to access the Platforms. We do not guarantee that our Platforms will be free from bugs or viruses.
• You must not use the Platforms: (a) for any unauthorised, unlawful or fraudulent purpose or in any manner that harms others; (b) to send, knowingly receive, upload, download, use or re-use any prohibited material; or (c) to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation.
• Where we provide any Services on the Platforms, we will provide clear information to you about the kind of Service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).
• While we may assess potential risks associated with third-party use of Services provided on our Platforms, you acknowledge that we make no guarantees regarding such assessments or our moderation decisions. Any moderation measures we implement are purely discretionary, and we shall not be liable for any consequences arising from our moderation decisions or the actions of third parties. However, we are under no obligation to oversee, monitor or moderate any Services we provide on our Platforms, and we expressly exclude our liability for any loss or damage arising from the use of any interactive Service by a user in contravention of our content standards, whether the Service is moderated or not.

14. Content standards
    • These content standards apply to any and all material which you contribute to our Platforms (“Contribution”), and to any interactive Services associated with it (“Content Standards”).
    • The Content Standards must be complied with in spirit as well as to the letter. The standards apply to each part of any Contribution as well as to its whole.
    • We will determine, in our sole and absolute discretion, whether a Contribution breaches the Content Standards, and our decision shall be final and binding. We reserve the right to take any action we deem appropriate in response to such breaches, without prior notice or liability.
    • A Contribution must:
      • Be accurate (where it states facts).
      • Be genuinely held (where it states opinions).
      • Comply with the law applicable in Singapore, including but not limited to Protection from Online Falsehoods and Manipulation Act 2019 (POFMA).
    • A Contribution must not:
      • Be defamatory of any person.
      • Be obscene, offensive, hateful or inflammatory.
      • Bully, insult, intimidate or humiliate.
      • Promote sexually explicit material.
      • Include child sexual abuse material.
      • Promote violence.
      • Promote discrimination based on race, sex, religion, nationality, or disability.
      • Infringe any copyright, database right or trade mark of any other person.
      • Be likely to deceive any person.
      • Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
      • Promote any illegal activity.
      • Be in contempt of court.
      • Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
      • Be likely to harass, upset, embarrass, alarm or annoy any other person.
      • Impersonate any person, or misrepresent your identity or affiliation with any person.
      • Give the impression that the Contribution emanates from another entity or Us, if this is not the case.
      • Advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse.
      • Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism.
      • Contain any advertising or promote any Services or web links to other Platforms.

15. Breach of this policy
    • When we determine, in our sole discretion, that a breach of this acceptable use policy has occurred or is likely to occur, we may take any action we deem appropriate, including immediate suspension or termination of the software services and Platform access, without prior notice or liability to you. You acknowledge and agree that we are solely a software service provider, and our determination of a breach shall be final and binding, and you waive any right to challenge such determination.
    • To the fullest extent permitted by law, We, being solely a software service provider, and our affiliated entities, directors, officers, employees, agents and representatives expressly disclaim any and all liabilities, whether direct, indirect, special, consequential or otherwise, in connection with or arising out of your use of the Platforms, including but not limited to any payment processing, financial transactions, or regulated activities conducted through the Platforms as follows:-
    • The liability limitations and exclusions set forth in this Agreement apply to the maximum extent permitted by applicable law. We acknowledge that some jurisdictions do not allow the exclusion or limitation of certain warranties, liabilities, or damages, including but not limited to implied warranties, liability for personal injury, death caused by negligence, fraud, or fraudulent misrepresentation. In such jurisdictions, the limitations and exclusions in this Agreement shall be interpreted and applied to the maximum extent enforceable under applicable law, and nothing in this Agreement shall affect your statutory rights as a consumer that cannot be waived or limited by contract. If any provision limiting our liability is found to be unenforceable in your jurisdiction, such provision shall be severed and the remaining limitations shall continue to apply to the fullest extent permitted by law.
      • we provide the Platform and any Products or Services we offer on an “as is” and “as available” basis, and your access to or use of the Platform is at your own risk;
      • we give no assurance, representation or warranty of any kind (whether express or implied) about the Platform and any Products or Services we provide;
      • we do not guarantee that the information or content you find on the Platform is always accurate, truthful, complete and up-to-date;
      • we expressly disclaim all warranties and representations (for example, warranties of merchantability, fitness for a particular purpose, and non-infringement);
      • we expressly disclaim all liability for any third-party content, websites, links, services, or resources accessible through our Platform. We do not endorse, warrant, or assume responsibility for any third-party services, and any reliance on or use of such third-party content or services is at your own risk. We shall not be liable for any loss or damage arising from your access to or use of any third-party content, links, or services.
      • we are not responsible for any delay, disruption, unavailability, or malfunction in our Platform or any defect, viruses, bugs, errors, or security breaches, regardless of cause or whether or not we have been advised of the possibility of such damages; and
      • we are not responsible for the conduct of or any content or information submitted or posted by any user of the Platform (whether online or offline).
    • Failure to comply with these terms of use constitutes a material breach of the terms under which you are permitted to use our Platform, and may result in our taking all or any of the following actions:
      • Immediate, temporary or permanent withdrawal of your right to use our Platforms.
      • Immediate, temporary or permanent removal of any Contribution uploaded by you to our Platforms.
      • Issue of a warning to you.
      • Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
      • We reserve the right to take further legal action against you in accordance with applicable laws.
      • Disclosure of such information to law enforcement authorities as we reasonably determine is necessary or as required by applicable laws, including the Personal Data Protection Act 2012 of Singapore.
    • We exclude our liability for all actions or omissions we may take or fail to take in response to breaches of this acceptable use policy. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate, including immediate termination of services without prior notice. Our failure to act in any particular instance does not constitute a waiver of our rights to act in similar future circumstances.
      You acknowledge that Homi is solely a software service provider and not a licensed payment or financial institution. You agree to hold Homi, its affiliates, and their respective directors, officers, employees, agents and representatives harmless and indemnify them against any and all losses, damages (including direct, indirect, special, and consequential damages), claims, costs, disbursements, expenses (including all legal fees and costs on a full indemnity basis), regulatory fines, penalties, and any other liabilities whatsoever arising from or in connection with: (i) any breach of these terms of use; (ii) any misuse or misconduct via our Platforms; (iii) any violation of applicable laws or third-party rights; (iv) any content or information you submit or transmit through our Platforms; (v) any payment processing or financial transactions conducted through our Platforms;or (vi) any assumption or misunderstanding that Homi is a licensed payment or financial institution; (vii) any negligence, wilful misconduct, fraud, or breach of duty on your part in connection with your use of the Platform or provision of services; (viii) any claims by third parties (including customers, suppliers, or other users) arising from your acts, omissions, negligence, or breach of obligations; (ix) any failure to comply with applicable professional standards, licensing requirements, or regulatory obligations in your jurisdiction; or (x) any defective, unsafe, or non-compliant services or products you provide through the Platform.
16. Taxes
    All prices displayed on the Platform may be subject to applicable taxes, duties, and fees as required by law. Customers are responsible for paying all applicable sales tax, goods and services tax (GST), value-added tax (VAT), or other consumption taxes related to their transactions. Merchants are responsible for all income taxes, business taxes, and other taxes arising from their provision of services through the Platform and receipt of payments. Homi’s commission is exclusive of any applicable taxes unless otherwise stated. Transaction fees, payment processing fees, and platform fees will be clearly disclosed prior to transaction completion. Homi may collect and remit taxes on behalf of users where required by applicable law. Users are responsible for determining their own tax obligations and reporting requirements in their jurisdiction. Homi reserves the right to adjust pricing to account for changes in applicable tax rates or requirements.
17. Governing law
    The terms of this policy, its subject matter and its formation are governed by Singapore law. You and Us both agree or are deemed to have agreed that the Singapore courts will have exclusive jurisdiction.