Terms of Service (Singapore)

1. Agreement

By accessing or using the MyAndGo platform ("Platform") and any connected MyAndGo products ("Products") through a Singapore workspace, you agree to be bound by these Terms of Service ("Terms"). The Platform is operated by Fintech Development Pty Ltd (ABN 78 655 608 969), an Australian company, at Level 1, 18-20 Knuckey Street, Darwin NT 0800, Australia ("we", "us", "our"). We provide our Products to Singapore businesses from Australia.

2. Eligibility

Singapore workspaces are for businesses. By creating one, you confirm you are using it for your business. You must be at least 18 years old and have the legal capacity to enter into a binding agreement, and you represent that you have the authority to bind your business to these Terms.

3. Account Registration

• You must provide accurate and complete information when creating an account.
• You are responsible for maintaining the confidentiality of your account credentials.
• You must notify us immediately of any unauthorised access to your account.
• One person or organisation may maintain multiple accounts only where each represents a distinct business entity.

4. The MyAndGo Ecosystem

MyAndGo provides single sign-on, unified billing, and shared identity across the MyAndGo ecosystem. When you create an account on any MyAndGo product, you are creating a MyAndGo identity. Your account, authentication, and billing data is shared across products you subscribe to.

5. Trials, Subscriptions and Billing

• Free trial: Each Product starts with a free trial that needs no payment method. There is no free plan in Singapore. While we open in Singapore, your trial continues until paid plans are available, and we'll tell you before then.
• Paid plans: When paid plans open, they are billed monthly or annually in Singapore dollars (S$) by card. Prices shown are the full price.
• GST: We are not registered for Singapore GST, so we don't charge it. If you have a GST registration number, we record it when you subscribe. If we register for Singapore GST, we'll tell you at least 30 days before we start charging it. We don't charge Australian GST on Singapore subscriptions.
• Bundle discount: Subscribing to 2 or more paid Products entitles you to a 20% discount, applied automatically.
• The account holder: Each organisation has one account holder, shown in your account settings. The account holder can transfer that role to someone else. Only the account holder can cancel or end a subscription.
• Cancellation: You may cancel at any time. Access continues until the end of the current billing period. No refunds for partial periods.
• When a trial or paid access ends: We'll set out what happens before paid plans open in Singapore, and update these Terms with notice under section 15.
• Price changes: We may change pricing with 30 days' notice. Existing subscriptions continue at their current price until renewal.

6. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose
• Attempt to gain unauthorised access to any part of the Platform
• Interfere with or disrupt the Platform's infrastructure
• Upload malicious code, viruses, or harmful content
• Use the Platform to send spam or unsolicited communications
• Resell or redistribute the Platform without our written consent
• Scrape, crawl, or collect data from the Platform by automated means

7. Your Data

• You retain ownership of all data you upload to the Platform.
• We do not claim any intellectual property rights over your content.
• You grant us a limited licence to store, process, and display your data solely for the purpose of providing the Platform services.
• Your documents, records and files are stored in Singapore. Your account records are held in Sydney, Australia, and our support team works from Australia. Some services run elsewhere, and our Privacy Policy lists them.
• Singapore's Personal Data Protection Act 2012 (PDPA) applies to the personal data we handle for you. For what you put into our Products, we act as your data intermediary and follow your instructions. For your account details, we are the organisation responsible. Our Privacy Policy explains this in full.

8. Data Security

We implement industry-standard security measures including encryption at rest and in transit, two-factor authentication, session timeouts, and role-based access control. However, no system is 100% secure. You are responsible for maintaining the security of your account credentials.

9. Availability

We strive to maintain high availability but do not guarantee uninterrupted access. We may perform maintenance with reasonable notice. We are not liable for downtime caused by factors outside our control, including internet disruptions, third-party service failures, or force majeure events.

10. Intellectual Property

The Platform, including its design, code, logos, and content, is owned by Fintech Development Pty Ltd and protected by Australian and international intellectual property laws. "MyAndGo", "AndGo", "SignAndGo", "ShareAndGo", "BookAndGo", "InspectAndGo", "BrandAndGo", "CRMandGo", "WorkAndGo", "AccountsAndGo", "TaxAndGo", and "ManageYourTax" are trademarks of Fintech Development Pty Ltd.

11. Limitation of Liability

To the maximum extent permitted by law:

• Our total liability to you is limited to the amount you paid us in the 12 months preceding the claim.
• We are not liable for indirect, incidental, special, consequential, or punitive damages.
• We are not liable for loss of data, revenue, or profits arising from your use of the Platform.

Nothing in these Terms excludes or limits liability that cannot be excluded by law.

12. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of the Platform, your violation of these Terms, or your violation of any rights of a third party.

13. Termination

• You may close your account at any time from the Settings page.
• We may suspend or terminate your account if you breach these Terms, with notice where practical.
• On termination, your data is retained for 30 days, then permanently deleted, and is gone from our backups within a further 14 weeks.
• Billing obligations incurred before termination remain payable.

14. Governing Law

These Terms are governed by the laws of the Northern Territory, Australia. Any disputes will be resolved in the courts of the Northern Territory, Australia.

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or in-app notification at least 14 days before the changes take effect. Continued use after changes take effect constitutes acceptance.

16. Contact

For questions about these Terms, contact us at:

• Email: privacy@support.myandgo.com.au
• Address: Level 1, 18-20 Knuckey Street, Darwin NT 0800, Australia