Welcome to Keppt!
Please read these terms of use (“Terms”) carefully before using https://keppt.me or any other related websites (“Websites”) and the Keppt mobile application together with its various features and functionalities (“Application”) (collectively, the “Platforms”).
The Platforms are software solutions offering customers access to an AI-powered document intelligence platform that enables you to scan, upload and store documents, categorise document content and delivers analytics, insights, reminders and summaries derived from those documents through features like commenting, sharing, searching, image thumbnails, document previews, optical character recognition (OCR), easy sorting and organisation, and personalisation (“Services”).
These terms of use are between Fixonal Pte. Ltd. (“Fixonal”, “us” or “we”) and the individual who or entity that (“you” and “your”) accesses or uses our Services. If you are using our Services as an employee or representative of a company or other entity, you represent that you have the authority to enter into this agreement and bind the company and the licensee to these Terms.
Our Privacy Policy (which can be accessed at https://keppt.me/privacy) explains how we collect and use your personal data while our Acceptable Use Policy outlines your responsibilities when using our Services. By using the Platforms, you agree to be bound by these Terms, and all other terms and policies that appear on the Platforms (including FAQs, our Privacy Policy and Acceptable Use Policy).
The Services are available globally, with the exception of mainland China, where account sign-up is blocked at the authentication layer, but Fixonal makes no representation that the Services will be accessible, or that its use will be lawful, in every jurisdiction. If you create an account from outside mainland China and later travel to mainland China, you retain access to your existing account, but the Services may not be accessible in mainland China.
1.1. You will need an account to access the Services via the Platforms. You may sign up for an account via the Platforms.
1.2. You shall comply with all third party’s terms and any security procedures applicable to the Platforms which we may introduce from time to time.
1.3. You shall, in your sole responsibility, maintain the confidentiality of your account information (including any user IDs and passwords) and you will be responsible for any disclosure or unauthorised use of your account. You shall not at any time disclose such account information to any other party. We will not be liable for any loss arising from any unauthorised use of your account.
1.4. If you believe that the security of your account or confidentiality of your account information has been compromised or breached, you must notify us immediately.
1.5. By signing up for an account via the Platforms, you represent and warrant that:
(a) you are at least 18 years of age;
(b) you have the full right, power and legal authority to enter into these Terms;
(c) all information, data and particulars that you provide are complete, accurate, current and secure;
(d) you will use the Platforms for your personal use only;
(e) you own Your Content or otherwise have the necessary rights and permissions to use it and to grant the licence of Your Content to us;
(f) Your Content and your use of the Services do not infringe or misappropriate any third party's intellectual property, data privacy or other rights, and do not breach any obligations with any third party, or violate any applicable law;
(g) where Your Content includes personal data of another individual (for example, under the “Unlimited Family” subscription plan), you have the necessary rights and lawful basis to upload and share it via the Platforms, as set out in our Privacy Policy;
(h) you will not impersonate another person or use a name you are not authorised to use; and
(i) you will not authorise another person to use your account, nor transfer or assign it to another person.
1.6. We shall be entitled, in the exercise of our sole discretion, to (a) refuse the registration of your account if you fail to fulfil any of the eligibility criteria above; (b) suspend/terminate your account if you breach these Terms, our Privacy Policy and all other terms and policies that appear on the Platforms; and/or (c) change the above eligibility criteria upon providing you with prior notification.
1.7. We do not knowingly collect data from persons under 18 years of age. If we become aware that a minor has created an account, we will delete that account and all associated data promptly.
2.1. The Platform is a personal document-vault application. It allows you to scan, upload and store images and documents; automatically categorises content; and receive analytics, insights, reminders and summaries derived from the content. Features include commenting, sharing (such as via the “Unlimited Family” subscription plan), searching, image thumbnails, document previews, optical character recognition (OCR), sorting and organisation, and personalisation of how your documents are presented to you.
2.2. The Platforms allow you to upload documents in the supported formats (PDF, JPEG, PNG, and HEIC). The Platform does not support audio or video files, and the Service is not a media library, notes application, chat application or general-purpose cloud-storage product.
2.3. Subject to your compliance with these Terms, our Privacy Policy, all other terms and policies that appear on the Platforms and payment of any applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to use the Platforms for your own personal, non-commercial purpose on devices you own or control for the purpose of obtaining the Services. All other rights not expressly granted to you are reserved by us.
2.4. The Services integrate with, and are distributed through, third party service providers. Your use of the Services is subject to their respective terms including their respective privacy policies. Fixonal is not responsible for the content, privacy practices or availability of any third party service. Links to any third party content or services on the Platforms do not constitute endorsement by Fixonal.
2.5. We may, at our discretion, make available optional Application Functions that allow you to connect Your Content or Outputs to third party artificial intelligence services for your own querying, drafting or analysis purposes (“AI Integrations”). AI Integrations are provided for your convenience only, are not enabled by default, and require your affirmative action to activate.
2.6. Access to some features and functionalities used on the Websites and/or Application may be offered under third party licences, in which case your use of those features and functionalities are governed by such third parties’ terms. To the extent any component of the Services may be offered under an open source license, we will make that license available to you and the provisions of such open source license may expressly override some of these Terms.
2.7. By creating an account, you acknowledge and consent to this processing of your data by the above third party services providers (and other such service providers as may be required to provide you the Services) as our sub-processor, as further described in our Privacy Policy.
2.8. As a condition of receiving the Services, you agree that:
(a) you may use our Services only as permitted by applicable laws;
(b) you shall be personally liable for, and you shall make payment for, any fees or charges in accordance with these Terms, our Privacy Policy and all other terms and policies that appear on the Platforms in effect at the time they are incurred;
(c) the licences granted herein do not confer on you any rights to use any other intellectual property rights of us, our affiliates, service providers, partners and/or licensors (as the case may be), including any logos, marks (including “Fixonal”, “Keppt” and any variations thereof), slogans, product names, content or materials used on the Platforms, all of which are and remain the property of us, our affiliates, service providers, partners and/or licensors (as the case may be);
(d) use of any AI Integration may be subject to additional usage limits, rate limits or fees, as stated in the plan description on the Platforms at the time, to reflect the cost of the underlying third party service. We may modify, restrict, suspend or discontinue any AI Integration, or your access to it, at any time, including where a provider changes its own terms, pricing or availability to us;
(e) we shall have the right to, at any time and from time to time:
(i) update the Application and/or the Websites and its components, add or remove functionalities, features or services (collectively, “Application Functions”);
(ii) vary user account rights or impose user account restrictions, resource limits or fees or suspend or terminate Application Functions and/or user rights; and/or
(iii) without limitation to Clause 2.12, deny or restrict access to certain Application Functions (whether to any user or generally) without ascribing any reasons whatsoever,
and in any such event, you agree that no claims shall lie against us, our affiliates, our agents, our partners or our service providers.
2.9. We sometimes release products and features that we are still testing and evaluating (“Beta Services”). Beta Services are labelled as “test”, “beta”, “preview”, “early access” or “evaluation” (or with words or phrases with similar meanings) and may not be as reliable as our other services. Beta Services are made available so that we can collect user feedback, and by using our Beta Services, you agree that we may contact you to collect such feedback.
2.10. Beta Services are confidential until official launch. If you use any Beta Services, you agree not to disclose any information about those Services to anyone else without our permission.
2.11. From time to time, we may add additional features or functionalities to enhance the user experience of our Services at no additional charge. However, these free features or functionalities may be withdrawn without further notice.
2.12. The Services may give you the option to link to third party features and integrations. We do not own or operate any such features or integrations. If you access or use any third party features or integrations, you are responsible for such access and use, and we are not responsible for any act or omission of the third party or the availability, accuracy, the related content, products or services of third parties.
2.13. Subject to Clause 8, we will use commercially reasonable efforts to make the Services available 24 hours a day, 7 days a week. However, we do not guarantee uninterrupted or error-free access. We may suspend the Services for maintenance, upgrades or events beyond our reasonable control, and we will endeavour to provide reasonable advance notice where practicable.
2.14. We reserve the right to modify, add or remove any Application Functions at any time. Material changes to core functionality will be communicated to you with at least 30 days’ notice, where reasonably practicable.
2.15. We reserve the right to delegate or sub-contract the performance of any of the Application Functions or the Services to any affiliate, service provider, subcontractor and/or agent on such terms as we may deem appropriate.
3.1. The Services are offered either on a free basis, namely, the “Free” plan, or one or more paid subscription plans, such as the “Basic”, “Unlimited” and “Unlimited Family” plans as detailed on the Platforms. We may from time to time offer or withdraw one or more paid subscription plans. Each subscription plan may have specific terms and policies applicable to it which will be stated in the plan description on the Platforms. Such terms shall be read in addition to these Terms and shall prevail in the event of any conflict with these Terms.
3.2. Paid subscription plans provide access to enhanced Application Functions such as higher document storage limits, advanced analytics and other additional features as detailed on the Platforms. For example, if the “Free” plan is subject to a maximum upload limit of ten (10) documents, this limit is not restored by deleting documents. To illustrate, if you had uploaded ten (10) documents and then deleted five (5) documents while on the “Free” plan, you will not be able to upload any further documents, and any further upload will require subscribing to a paid subscription plan. Documents uploaded remain fully accessible, searchable and exportable.
3.3. If your paid subscription ends and your account reverts to the “Free” plan, you will retain the ability to view, search and export your existing documents indefinitely; you will not be able to upload any new documents under the free tier. Your account continues to be governed by these Terms and other specific terms and policies applicable to it which will be stated in the plan description on the Platforms, and this change to the “Free” plan does not delete your uploaded documents. For example, if you were on the paid “Basic” subscription plan and had uploaded 50 documents and subsequently cancel your subscription, you will only be able to view, search and export those 50 documents. You cannot upload any new documents under the “Free” plan and will be subject to the terms and policies applicable to the “Free” plan.
3.4. Each account under the “Free”, “Basic” or “Unlimited” subscription plan belongs to a single individual user. You may not share your account credentials or access with another person; if you wish to share access with another person, you should subscribe to the “Unlimited Family” plan.
3.5. Under the “Unlimited Family” paid subscription plan, you (as the “Owner”) may grant access rights applicable under the “Unlimited” subscription plan to up to three (3) invitees within your “Unlimited Family” subscription plan or such other number of invitees as set out in the specific terms and policies applicable to it which will be stated in the plan description on the Platforms. If so, there is a total of four (4) accounts under each “Unlimited Family” paid subscription plan, including the Owner. Invitees do not pay for this access and the invitees’ entitlement is subject to the Owner’s continued compliance with these Terms and timely payment of the “Unlimited Family” paid subscription plan.
3.6. You agree and acknowledge that:
(a) If you are the Owner, you are subject to the payment terms as set out in these Terms and all other terms and policies that appear on the Platforms;
(b) If you are the Owner, you control what each invitee can do (such as to view, comment or download) and may change these permissions at any time;
(c) The Owner may remove an invitee at any time; once removed, the invitee will no longer be able to access any images or documents on subsequent use of the Platforms;
(d) The Owner is responsible for Your Content that you and the other invitees choose to upload and share, including for having the necessary rights and lawful basis to share them (as set out in our Privacy Policy); and
(e) The Owner shall ensure that the invitees may not rely on or share any Outputs or Your Content outside the Platforms or with any third parties without the Owner's consent.
3.7. As set out in our Privacy Policy, where the documents contain personal data or information of a third party, you (as the Owner) generally act as the data controller of that data as between you and your invitees, and Fixonal acts as a data processor providing the underlying hosting and organisational infrastructure. You are responsible for responding to data subject requests concerning such data your invitees choose to upload, and Fixonal will support you in doing so through the Services’ export and deletion tools, or by contacting our Data Protection Officer at dpo@fixonal.com.
4.1. Billing. At any time, you can add paid Application Functions to your account or choose to subscribe to a paid subscription plan, such as the “Basic”, “Unlimited” or “Unlimited Family” plan, i.e., converting your “Free” plan to a “Paid Account”. We will automatically bill you from the date you convert to a Paid Account and on each periodic renewal until cancellation. If you are on an annual plan, we will send you a notification to the email address associated with your account reminding you that your plan is about to renew prior to the renewal date, and if you do not cancel the paid subscription plan, you will be billed for the next period, at the prevailing price. All fees are exclusive of applicable taxes (including GST, VAT or sales tax), which will be added where required by law.
4.2. No Refunds. All fees shall be paid in advance, are non-refundable save as permitted under applicable refund policies as may be notified to you, and you further agree to bear all taxes and other duties payable. Refunds are only issued if required by law. For example, users living in the European Union have the right to cancel their Paid Account subscriptions and obtain a refund within 14 days of signing up for, upgrading to, or renewing a Paid Account by notifying us at support@fixonal.com. Some countries have mandatory local laws regarding your cancellation rights, and this paragraph does not override these laws.
4.3. In the event you are entitled to any refund for any reason in respect of any paid Application Functions on the Platforms, you agree that we will in our sole discretion either (a) issue you with a refund to your last payment details, or (b) where the purchase was made using a credit card, credit the refund to the same credit card. We may require you to provide additional information prior to processing any refund and you agree to cooperate with us. Where applicable:
(a) Refunds for subscriptions purchased through the Apple App Store or Google Play Store are further subject to Apple’s and Google’s respective refund policies, and any requests should be directed to Apple or Google accordingly.
(b) Refunds for subscriptions purchased through the Websites or such other third parties’ platforms (where offered) will be handled in accordance with applicable laws and third parties’ terms.
4.4. Cancellation. You may cancel your Paid Account through the relevant app store or by changing your account settings at any time. Cancellation does not take effect automatically at the end of each billing period. We do not provide refunds for partial billing periods, except (a) where required by local laws in your jurisdiction, or (b) where the Service has been materially unavailable for an extended period due to our fault.
4.5. Downgrades. Your Paid Account will remain in effect until it is cancelled or terminated under these Terms. If you do not pay for your Paid Account on time, we reserve the right to suspend it or remove Paid Account features.
4.6. Changes. We may change the fees or payment terms, which shall only take effect on your next billing period, to reflect factors such as changes to our product offerings, changes to our business, or changes in economic conditions. We will give you at least 30 days’ notice of such change to the email address associated with your account and you will have the opportunity to cancel your subscription before the new fee or payment terms come into effect. Continued use of the Services after any change takes effect shall constitute your acceptance of the new fees or payment terms.
4.7. Free Trial. Where a free trial of a paid subscription plan is offered, it will automatically convert to the relevant paid subscription at the end of the trial period unless you cancel before the trial expires. We will send you a prior reasonable notice of such change to the email address associated with your account before the conversion takes effect.
4.8. You shall not be eligible for a further free trial on a platform or account where you have redeemed a free trial before, even if you are not denied or blocked from signing up for a free trial on a different platform or account. We reserve the right to suspend or terminate any further free trial of a paid subscription plan and convert the account to the relevant paid subscription plan upon providing reasonable notice.
4.9. Promotional Offers and Referral Programmes. From time to time, we may make promotional offers (including introductory or discounted pricing, whether run directly by us or through third party platforms such as the Apple App Store or Google Play Store) or referral programmes (including rewards for inviting other users and providing promotional codes from time to time) available to some or all users, at our discretion. Any such offer or programme will be subject to its own specific terms, which will be made available at the time the offer or programme is presented and which will prevail over these Terms to the extent of any inconsistency. We may modify, suspend or withdraw any promotional offer or referral programme, or a user’s eligibility for it, at any time, including where we reasonably believe the offer or programme is being used fraudulently or in a manner inconsistent with these Terms. Eligibility, free trial and reward periods may vary by platform and are subject to the relevant app store’s terms.
4.10. If you are eligible for any promotional codes, you are responsible for keying in the correct promotional code into the Platforms at the time of payment. We shall not be liable for any failure to key in the promotional code or for your keying in of an incorrect promotional code. No refunds or cancellation of the transaction will be entertained in such circumstances.
4.11. Verification of Identity. You authorise us to make any enquiries we consider necessary to validate and verify your identity (whether directly or through third parties) at any time for any reason. We may request for information or documentation to allow us to confirm your identity, age, location, bank details or any other account information. You agree that you will provide such information and/or documentation promptly to us upon request. If you fail to do so promptly, we may either limit your use of, or suspend your account.
4.12. Third Party Payment Service Providers. Depending on your chosen payment method, we may use third party payment service providers to process your payment (such as through RevenueCat or Apple App Store billing or Google Play billing). When you provide us with your credit card details, you authorise us and/or third party payment service providers to charge your payment method on a recurring basis automatically upon the expiry of each payment period as applicable in relation to your Paid Account subscription. If we cannot charge your card successfully, we reserve the right to change your paid subscription plan to the “Free” plan, limit your use of your account, and/or suspend or terminate your account.
(a) Where you subscribe through the iOS application, your subscription is billed and managed by Apple through the App Store, and Apple’s payment terms (as amended from time to time) shall apply, and you can manage your subscription at any time through your App Store account settings.
(b) Where you subscribe through the Android application, your subscription is billed and managed by Google through the Google Play Store, and Google’s payment terms (as amended from time to time) shall apply, and you can manage your subscription at any time through your Play Store account settings.
(c) In each case, Apple and Google process the payment and hold your payment card details. We do not receive or store your card details, and only receive payment-related metadata (such as your subscription status) necessary to grant you access to paid features (among other things).
(d) We use RevenueCat, a third party payment services provider, to manage and synchronise your subscription status (among other things) across the iOS and Android applications. RevenueCat receives anonymous subscription metadata (such as your subscription status) from Apple’s and Google’s billing systems, and provides this information to us so that we may grant you access to paid features (among other things). RevenueCat does not receive your card details, and only receive payment-related metadata (such as your subscription status) necessary for us to grant you access to paid features (among other things).
5.1. Your use of the Services must comply with our Acceptable Use Policy. You agree to use the Service only in accordance with applicable laws, these Terms and all other terms and policies that appear on the Platforms as updated from time to time. Without limitation to the generality of the foregoing, you shall not (and shall not, knowingly or otherwise, authorise, allow or assist any third party to):
(a) modify or adapt the whole or any part of the Website and/or Application, or permit the Website and/or Application or any part of it to be combined with, or become incorporated in, any other application, programs or other platforms created by you;
(b) disassemble, decompile, reverse-engineer or otherwise attempt to derive the source code of the Website and/or Application or any components thereof;
(c) communicate, republish, upload, post, transmit, edit, re-use, rent, lease, loan, sell, assign, transfer, distribute, make available, license, sublicense or create derivative works or adaptations based on the whole or any part of the Website and/or Application;
(d) use the Website and/or Application in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms, or in contravention of any applicable laws, including infringement of our intellectual property rights or those of any third party in relation to the Application;
(e) use the Website and/or Application in a way that could damage, disable, impair or compromise the Application (or the systems or security of the Website and/or Application or any other related systems or devices) or interfere with other users or harm or affect the reputation of us, the Website and/or Application;
(f) upload, post or transmit any file or email which contains malware, viruses, worms, Trojan horses or any other damaging or destructive elements;
(g) circumvent, disable or interfere with any security or access control features;
(h) use any automated process or service (bots, scrapers or crawlers) to access and/or use the Website and/or Application; and/or
(i) provide, distribute or share, or enable the provision, distribution or sharing of, the Website and/or Application (or any data associated therewith) with any third party,
collectively, the “Acceptable Use Policy”.
5.2. It shall be your sole responsibility and at your own cost:
(a) to obtain all necessary devices, hardware, software and communications services necessary for your access to and use of the Platforms;
(b) to take steps to ensure the security of your devices, networks and systems used to access the Platforms; and
(c) to make back-ups of Your Content and Outputs on the Platforms, as these may be subsequently deleted by us or our service providers in the event of the following scenarios: (a) the expiry or termination of your account for any reason; (b) non- or late payment of fees due on a paid subscription plan; (c) where required by an applicable law or a binding order of a court, authority or regulator; or (d) where your access or use of the Platforms poses a genuine security risk to the Services or to other users.
5.3. To the extent allowed by applicable laws, we may monitor and review your (or your invitee’s) activities and Your Content for compliance with these Terms and our Acceptable Use Policy. We are not responsible for any Outputs relied upon and shared outside the Platforms. We reserve the right to delete Your Content or Outputs, or disable any Application Functions on your account for any alleged violations of the Acceptable Use Policy and terminate the accounts of, or forever ban such, repeat infringers.
5.4. Certain Application Functions may allow the Service to populate a blank form or fill in any blank field using information drawn from Your Content (an “Auto-Filled Form”). An Auto-Filled Form is generated automatically and is provided on a best-effort basis only; it may contain incorrect, incomplete or outdated information, including where the source document is ambiguous, poorly scanned, or where the Service infers a field that is not actually present in Your Content. Generating an Auto-Filled Form does not verify, validate or certify the accuracy of any information it contains.
5.5. As between you and Fixonal, you (or your invitee) retain all right, title and interest in and to the images and documents you (and any of your invitee) upload and any information, data and content such as your files, messages, contacts, dates, Auto-Filled Form or connected services you input into the Service (“Your Content”), and in any classifications, extracted fields, reminders, insights, summaries and other outputs the Service generates from Your Content (“Outputs”). Fixonal does not claim ownership of Your Content or of the Outputs generated from it. You (or your invitee) are free to use Your Content and the Outputs for your (or your invitee’s) own personal and lawful purposes, subject to applicable laws and the rights of any third party.
5.6. To provide the Service, you (and you shall procure that your invitee) grant Fixonal a limited, worldwide, non-exclusive, paid-up, royalty-free and perpetual licence to host, store, use and process Your Content, including through our AI integrations, as necessary to provide, operate, maintain, secure and support the Services for you, to generate the Outputs, and to provide customer support at your request. This licence ends when you (or your invitee) delete Your Content or your account is terminated, subject to the retention terms as set out in our Privacy Policy.
5.7. When you (or your invitee) upload an image or document on the Platforms, an AI integration converts images of text to computer-readable text, classifies the image or document, and extracts structured fields from it (for example, amounts, currencies, vendor names, dates and document numbers), among other things. These Outputs power search, organisation, reminders, insights and summaries within the Services. The AI integration interprets Your Content and does not generate new documents, does not write or send messages to third parties on your behalf, and does not take any action with consequences outside the Platforms.
5.8. AI classification and extraction are automated processes and, like all AI systems, are not always accurate or complete. These are inherent characteristics of AI-based systems, not defects specific to our implementation. We do not guarantee the accuracy, completeness or reliability of any AI-generated output. Specific risks include:
(a) misreading of scanned text (e.g. due to poor image quality);
(b) incorrect categorisation of document type or misclassification of unusual, hybrid or multi-purpose documents;
(c) incorrect extraction of amounts, dates, names or document number;
(d) AI inferring structure or fields that a document does not actually contain i.e. hallucination; and
(e) failure to detect or missed reminders, particularly where a relevant date was not extracted or was extracted incorrectly.
5.9. You are solely responsible for reviewing and verifying Your Content and the Outputs for accuracy and completeness. Any AI-generated output including computer-readable text, reminders, insights, summaries, classifications and extracted fields are provided on a best-effort basis only. You should independently review and verify any Output and Auto-Filled Form before signing, submitting, filing or otherwise relying on it, particularly where the form is to be submitted to a government authority, financial institution, insurer, employer or other third party, or where inaccurate information could result in legal, financial or regulatory consequences to you, and you remain solely responsible for your own compliance with applicable laws, performing any obligations and management of your own (and your invitee’s) affairs.
5.10. You (or your invitee) own the Outputs generated from Your Content, in the same way you (or your invitee) own Your Content itself. Please note that the Outputs derived by an automated process from Your Content may not be original or independently protectable under copyright or other intellectual property laws, and, where relevant to your intended use, you should exercise your own judgment as to whether any Output requires independent legal or professional review.
6.1. When you use our Services, you provide us with Your Content. We need your (and your invitees’) permission so that we can provide you with the Services including but not limited to hosting Your Content, storing and backing it up, and sharing it when you request for us to do so. To provide these and other Application Functions, you consent (and you shall procure that your invitees consent) to us collecting, using, disclosing and processing Your Content, and this permission extends to our sub-processors in accordance with our Privacy Policy (which can be accessed at https://keppt.me/privacy) as amended from time to time.
6.2. By using our Services, you give us permission to collect, use, disclose and process your personal data to provide you with our Services and other purposes as set out in our Privacy Policy (which can be accessed at https://keppt.me/privacy) as amended from time to time.
6.3. Where you activate any AI Integration, you authorise us to transmit the relevant Your Content and/or Outputs to the applicable third party service provider for processing. The third party service provider will process such data under its own terms of service and privacy policy, and we encourage you to review them before activating the integration. We do not control, and are not responsible for, the availability, security, outputs or data-handling practices of any AI service provider.
7.1. Any copyright, trade marks and all intellectual property rights in the Platforms and Services, including the software, AI models, algorithms, interfaces, content, images, database and compilations of our contents, shall vest in and remain with us and our licensors.
7.2. The trade marks, logos, brand features, names, get-up and service marks (collectively, the “Marks”) displayed on the Platforms belong to us or its respective owners. You are not permitted to use the Marks without our prior written consent. Without limiting the generality of the foregoing, (a) “Fixonal”, “Keppt” and our logo are trade marks of Fixonal; and (b) any other Marks are trade marks of Fixonal and such other owners, as applicable.
7.3. These Terms do not grant you any right, title or interest in the Services, others’ content in the Services, the Marks and other brand features. All rights not expressly granted are reserved.
7.4. If you provide any suggestions, feedback or ideas regarding the Services or the Platforms, you shall (and you shall procure that your invitees) grant us an irrevocable, paid-up, royalty-free, perpetual and worldwide licence to use such feedback for any purpose without compensation or attribution to you. You (and you shall procure that your invitees) hereby irrevocably and forever waive, and agree never to assert, any moral rights in or to any suggestions, feedback or ideas and any and all other residual rights and benefits which arise under any applicable laws now in force or hereafter enacted.
7.5. You retain full ownership of Your Content and the Outputs. By uploading Your Content on the Platforms, you grant us a limited, worldwide, paid-up, royalty-free and perpetual licence to host, store, copy, process, sub-license, share with authorised third parties (such as your invitees and our service providers), transmit and display Your Content to the extent necessary to provide the Services to you.
7.6. We will not sell, license or otherwise commercially exploit Your Content and the Outputs including your personal data to any third party for advertising, marketing or profiling purposes. Any use of your personal data for product improvement is carried out only in anonymised or aggregated form as described in our Privacy Policy.
8.1. You agree to fully indemnify and hold harmless Fixonal, our affiliates, members, officers, employees, agents, advisors, partners, licensors and service providers (collectively, the “Indemnitees“) from and against any claim, demand, loss, damage, cost, or liability (including legal fees) which any of the Indemnitees may suffer or suffers in connection with or arising from (a) Your Content, including but not limited to, any information or content which you submit, post, transmit, communicate, send, publish, upload or otherwise make available through the Platforms; (b) your breach of these Terms, our Privacy Policy and all other terms and policies that appear on the Platforms as updated from time to time; (c) your access or use of the Platforms, the Services and the Outputs; (d) any action taken by us either as part of our investigation or enforcement of any suspected breach of these Terms or as a result of our finding or decision that a breach of these Terms has occurred; and (e) your breach of any third party rights or non-compliance with applicable laws.
9.1. To the maximum extent permitted by law, you irrevocably agree and acknowledge that:
(a) the Indemnitees are not responsible for any of the Outputs, content, material and information made available or accessed on or through the Websites and/or Application or any decisions made by you based on any information made available or accessed on or through the Websites and/or Application;
(b) the Websites and/or Application (together with any Services, or Outputs, content, material or information made available on the Website and/or Application) are provided on an “as is” and “as available” basis, with all faults and without warranty of any kind. Your (and your invitees’) use of the Website and/or Application is at your (and your invitees’) own risk;
(c) the Websites and/or Application may use transmissions over the Internet which are never completely private or secure. You understand that any personal data, message or information which you send in the course of your use of the Websites and/or Application may be made public on the Websites and/or Application, and read or intercepted by others;
(d) the Indemnitees do not warrant and hereby disclaim any representation, warranty or term with respect to the Websites, Application and/or the Application Functions, whether express, implied or statutory, including but not limited to:
(i) merchantability, satisfactory quality, fitness for a particular purpose, title, accuracy, quiet enjoyment, and non-infringement of third party rights, or as to the accuracy, correctness, reliability, timeliness, non-infringement of or compliance with any laws, regulations and/or third party rights in connection with the Websites, Application and/or the Application Functions;
(ii) the Websites, Application and/or the Application Functions being available at all times, uninterrupted or error-free, or that defects will be corrected or that the Website, Application and/or the Application Functions and any related computer system is and will be free of all viruses and/or other harmful elements;
(iii) any AI-generated outputs including classifications, categorisations, extractions, insights, summaries, analytics or reminders will be accurate, complete or reliable;
(iv) the Websites, Application, Application Functions and any related computer system is and will be free from any unauthorised access, intervention, hacking, sabotage, fraud or infiltration by third parties; and
(v) the Websites, Application and/or the Application Functions being compatible or working with any third party software, applications or services.
9.2. To the fullest extent permitted by applicable law, the Indemnitees are not liable for:
(a) any loss caused to or damage incurred or suffered by you or any person by reason of or arising from or as a consequence of any use of your account information and/or the Platforms or Services, delay or error in submitting any documents, or failure to comply with any timelines or requirements, and obtaining and/or making any payment of any monies belonging to you;
(b) any loss caused to or damage incurred or suffered by you or any person by reason of your (or your invitees’) erroneous, wrongful or fraudulent uploading of information, documents and images to the Platform for the purposes of your use of the Platform or the Services;
(c) any loss, damage or liability which may arise in connection with or arising from the Services offered. All indirect and/or intangible damage, including without limitation, loss of income and consequential damages, is excluded from our liability;
(d) any loss, damage or liability which may arise in connection with or arising from the Services offered by any third parties that you link from the Platforms;
(e) any loss or damage in connection with or arising from your reliance on any Outputs, reminders, summaries, insights or analytics provided by the Services;
(f) for the actions or inactions of the Indemnitees in relation to your (or your invitees’) use of the Services or the Platforms, your (or your invitees’) activities on the Platforms, or in connection with or arising from the Services; and
(g) any suspension, discontinuation, upgrade or modification to the Platforms, Services or the Application Functions (or part thereof) which we may carry out from time to time without giving any reason or prior notice to you which affects your use of the Services, Platforms and/or the Application Functions.
9.3. Nothing in the Services, including any Outputs, reminders, summaries, insights or analytics, constitutes financial, legal, tax, accounting or other professional advice. You should consult qualified professionals before making any financial or legal decisions.
9.4. To the maximum extent allowed under applicable laws:
(a) the Indemnitees shall not be liable for any claim, damage or loss of any kind of any nature whatsoever caused and howsoever arising as a result (direct or indirect) of or otherwise in connection with your (or your invitees’) use of or reliance on the Platforms or the Services, including but not limited to any claim, damage or loss suffered (whether incidental, special, indirect or consequential) as a result of or in connection or in reliance of any content or any other information made available or accessed on or through the Services or contained in or available from the Services or your use or reliance on the Services available on or accessed via the Platforms and/or the Application Functions or any infringement of any rights arising in connection therewith; and
(b) in no event shall the Indemnitees be liable for any incidental, special, indirect, exemplary, punitive or consequential damages whatsoever, including without limitation, damages for loss of profits, revenue, goodwill, corruption or loss of data, failure to transmit or receive any data, business interruption or any other commercial damages or losses, arising out of or related to your (or your invitees’) use or inability to use the Services or any third party software or applications in conjunction with the Services or Platforms, howsoever caused, regardless of the theory of liability (contract, tort or otherwise) and even if we have been advised of the possibility of such damages.
9.5. In the event that we are held liable, we shall only be responsible for direct losses or damages which may be reasonably expected to result from the circumstances.
9.6. Our total aggregate liability to you for all claims arising from or in connection with these Terms, our Privacy Policy, and all other terms and policies that appear on the Platforms as updated from time to time shall not exceed the greater of (a) the total fees paid by you in the 12 months preceding the event giving rise to liability, or (b) SGD 100 (or the equivalent in your local currency).
9.7. The exclusions and/or limitations of liability in these Terms shall not apply to any liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or liability that cannot be excluded under mandatory consumer protection law applicable to you.
9.8. Where mandatory consumer protection law in your jurisdiction requires additional or different terms regarding cancellation, refunds, limitation of liability, or dispute resolution than those set out in these Terms, those mandatory local terms will apply to the extent required.
9.9. Nothing in this Section limits or excludes any warranty, right or remedy that cannot lawfully be limited or excluded, including statutory guarantees available to consumers under mandatory laws of your place of residence.
10.1. These Terms commence when you first create an account or use the Services (whichever is earlier) and continue until terminated by either party.
10.2. You may stop using our Services at any time. You may terminate your account for any reason by navigating to the “Account Deletion” page within our Application or by emailing us at support@fixonal.com. Termination takes effect when we confirm deletion. You remain responsible for all charges accrued before termination.
10.3. We have the right to terminate or suspend your account on the following non-exhaustive grounds (a) a material breach by you of these Terms or our Privacy Policy that you fail to cure within a reasonable period after notice, where curable; (b) non-payment of fees due on a paid subscription plan; (c) where required by an applicable law or a binding order of a court, authority or regulator; or (d) where your use of the Services or the Platforms poses a genuine security risk to the Services, Platforms or to other users. Notwithstanding any such termination or suspension, you remain liable for all outstanding amounts.
10.4. After such termination or during such suspension, we will have no further obligation to provide you (and your invitees) with the Services.
10.5. Upon termination, you shall cease to use the Services and the Platforms immediately, and we reserve the right to retain, delete or destroy (as we may determine in our sole discretion subject to applicable law and our Privacy Policy) Your Content, the Outputs, and all information, data and materials stored, posted or uploaded to the Application pursuant to our internal record retention and/or content destruction policies, including but not limited to, your personal data.
10.6. The provisions of these Terms that by their nature should survive will remain in force, including Sections 5, 6, 7, 8, 9, 10, 11, 12 and 13.
11.1. Neither Fixonal nor its affiliates, service providers, partners, subcontractors, agents or licensors shall be liable for delay in performing obligations or for failure to perform obligations under these Terms if the delay or failure resulted from events, causes and circumstances beyond its reasonable control, including but not limited to, acts of God, governmental acts (including directives issued by regulators and amendments to legislation), shut down or failure of telecommunications facilities or networks, failures or acts of application distributors, failure of information technology or telecommunications equipment or facilities, hacker attacks, denial of service attacks, virus or other malicious software attacks or infections, power failures, epidemics, flood, fire, explosion, accident, civil commotion, industrial dispute or impossibility of obtaining any software, equipment, facilities or networks.
12.1. These Terms, our Privacy Policy and all other terms and policies that appear on the Platforms as updated from time to time, constitute the entire agreement and understanding between you and us relating to the Services and the Platforms, and you have not entered into these Terms in reliance upon any representation, warranty or undertaking by us which is not set out in these Terms.
12.2. We may from time to time update these Terms by publishing the latest version on the Websites or via push notification to you on the Application. Material changes to these Terms will be communicated to you with at least 30 days’ notice, where reasonably practicable. By your (and your invitees’) continued use of the Services after any such update, you agree to be bound by these Terms so amended.
12.3. The illegality, invalidity or unenforceability of any provision of these Terms under the law of any jurisdiction shall not affect its legality, validity or enforceability under the law of any other jurisdiction nor the legality, validity or enforceability of any other provision.
12.4. No failure on the part of any party to exercise, and no delay on its part in exercising, any right or remedy under these Terms will operate as a waiver, nor will any single or partial exercise of any right or remedy preclude any other or further exercise thereof or the exercise of any other right or remedy. The rights provided in these Terms are cumulative and not exclusive of any rights or remedies provided by law.
12.5. We may seek immediate injunctive relief if we make a good faith determination that a breach or non-performance is such that a temporary restraining order or other immediate injunctive relief is an appropriate or adequate remedy.
12.6. We may give notice by means of a push notification on the Application, or by electronic mail to your email address. Your contact details for such notices shall be based on your details provided to us. You may only give notice to us in writing sent to our designated office address or by electronic mail to our email address.
(a) Notices shall be deemed to have been duly given and received upon the expiration of forty-eight (48) hours after mailing or posting (if sent by registered mail), two (2) hours after sending (if sent by electronic mail), provided that no automated message is received stating that the email has not been delivered, or immediately (if sent by hand or personal delivery).
(b) Notices on the Application shall be deemed to have been received by you whether or not you actually read the notice.
(c) While we endeavour to respond promptly to notices from you, we cannot guarantee that we will always respond with consistent speed.
(d) This clause does not apply to notices issued in respect of legal proceedings.
12.7. The provisions of these Terms are severable, and if any provision, or any portion thereof, is determined by a competent court or tribunal to be illegal, invalid or unenforceable for any reason, any remaining portion of that provision, and all other provisions of these Terms, shall remain valid and enforceable to the fullest extent permitted by law in order to give effect to the parties’ intentions.
12.8. You may not assign your rights or transfer your obligations under these Terms without our prior written consent but we may assign our rights or transfer our obligations under these Terms to any affiliate or third party at our sole discretion.
12.9. Save for the affiliates of Fixonal or as expressly provided in these Terms, a person who is not a party to these Terms shall have no right to enforce or enjoy the benefit of any term of these Terms under the Contracts (Rights of Third Parties) Act 2001. Notwithstanding any term of these Terms, the consent of any person who is not a party to these Terms is not required to rescind or vary these Terms at any time.
12.10. In the event that these Terms are executed or translated in any language other than English, to the extent allowed under law, the English language version of these Terms shall govern and shall take precedence over the foreign language version.
13.1. These Terms, our Privacy Policy and all other terms and policies that appear on the Platforms as updated from time to time shall be governed by, and construed in accordance with, the laws of Singapore.
13.2. Before commencing any formal legal proceedings, you agree to first contact us at support@fixonal.com to attempt to resolve any dispute informally. We will use reasonable efforts to resolve the dispute within thirty (30) days.
13.3. The Parties shall attempt in good faith to resolve promptly any dispute arising out of or in connection with these Terms, our Privacy Policy and all other terms and policies that appear on the Platforms as updated from time to time through amicable negotiations (which shall be commenced by either party giving written notice to the other). In the event that such dispute cannot be resolved by amicable negotiations within thirty (30) days of either party giving written notice to the other party that a dispute has arisen, the dispute shall be submitted by either party for resolution by the courts of Singapore which courts shall have exclusive jurisdiction.
13.4. To the extent permitted by applicable law, you waive any right to bring or participate in any class action, collective or representative proceeding against the Indemnitees arising out of or relating to these Terms, our Privacy Policy and all other terms and policies that appear on the Platforms as updated from time to time.
Last Updated: 1 September 2026
Effective Date: 5 September 2026