MiChat Pte Limited (UEN 201809553H) (“MiChat”, “we” or “us”) operates the MiChat platform, providing messaging, social networking, location-based discovery, AI-powered features and related services (“Services”) via the MiChat and MiChat Lite mobile applications (“MiChat Apps”) and www.michat.sg. By registering for or using the Services, you agree to these Terms.

PART 1 — GENERAL TERMS

Article 1.  These Terms

1.1  These Terms of Service, together with MiChat’s Privacy Policy (www.michat.sg/privacy-policy/), Community Guidelines (www.michat.sg/community-guidelines/), and any additional terms for specific Services or jurisdictions including Part 2 below (collectively, “Terms”), govern your use of the Services. In the event of inconsistency, documents take precedence in the order listed; Part 2 prevails over Part 1 for users in those jurisdictions.

1.2  You confirm you are at least 18. Users aged 18–21 must have a parent or legal guardian review these Terms, consent to their use, and accept responsibility for compliance.

1.3  We may amend these Terms at any time by publishing the updated version on our Website. Continued use of the Services constitutes acceptance. Broken hyperlinks to incorporated documents do not affect their incorporation.

Article 2.  Licence

2.1  Subject to these Terms, MiChat grants you a non-exclusive, non-transferable, non-sublicensable, limited, revocable licence to use the Services for personal, non-commercial use only. All intellectual property rights in the Services remain with MiChat. The Services may not be copied, reproduced, modified or distributed without MiChat’s prior written consent.

Article 3.  Availability

3.1  Services are provided “as is” and “with all faults”. MiChat does not warrant availability, continuity or freedom from errors, and is not liable for losses arising from unavailability or disruption. MiChat may cease offering any Service at any time without notice. For account suspension and termination, see Article 11.

Article 4.  AI Services

4A.  Scope and Definitions

4.1  This Article governs AI-powered features within the Services (“AI Services”), currently including image generation and the MiChat AI Chatbot (powered by Google Gemini). “Input” means content you submit to the AI Services; “Output” means content generated in response.

4B.  Disclaimers

4.2  AI Services involve experimental technology provided “as is”. MiChat makes no warranties regarding the accuracy, reliability or fitness of any Output, which may be inaccurate or inappropriate and does not represent MiChat’s views. All use of AI Services and Output is at your sole risk. MiChat is not responsible for Output generated from your Input, intellectual property violations, third-party claims or data loss arising from AI Services.

4C.  Your Obligations

4.3  By using the AI Services, you represent, warrant and agree that:

(a)  You hold all rights in your Input, which must not contain anything prohibited under Article 6 or the Community Guidelines. Where Input contains images of identifiable persons or personal data, you have obtained all required consents.

(b)  You will use AI Services and Output for personal use only, in compliance with Article 6.

(c)  AI Services and Output are for entertainment only and not professional or factual advice. You will conduct your own research before relying on any Output.

(d)  You consent to MiChat and its service providers (including Google) using your Input and Output to provide, maintain and improve AI Services, comply with law, and enforce policies. Refer to Google’s policies for further details.

4D.  Liability

4.4  You are fully responsible for your Input and any resulting Output; your indemnity obligations are covered by Article 13.4. MiChat may suspend or limit your access to AI Services for any suspected breach. By using AI Services, you waive the right to participate in any class action or class-wide arbitration; all AI-related disputes must be resolved individually.

Article 5.  People Nearby and Discovery Features

5.1  The “People Nearby” and similar location-based features (“Discovery Features”) let users connect with nearby users. By enabling Discovery Features, you consent to your general location being visible to other users to the extent permitted by your device settings. You may disable location sharing at any time. Location data use is governed by our Privacy Policy.

5.2  MiChat does not conduct background checks and makes no representations about any user’s character or identity. You interact with other users entirely at your own risk; MiChat is not responsible for any user’s conduct online or offline. Exercise reasonable care before meeting any user in person, report concerning users via the in-app reporting features, and do not use Discovery Features to stalk, harass, deceive or harm anyone.

Article 6.  Code of Conduct

6.1  You must not, and must not attempt to or encourage others to:

(a)  Use the Services in breach of any applicable law.

(b)  Post or transmit Content that violates the Community Guidelines or that infringes any intellectual property or other rights of any person.

(c)  Use automation software, bots, hacks, mods or unauthorised software to modify or interfere with the Services.

(d)  Use the Services for any commercial purpose without our prior written consent.

(e)  Use the Services for fraudulent, abusive or harassing purposes, or to harm any person, including by impersonation or misrepresentation.

(f)  Disrupt the Services or other users’ experience.

(g)  Gain or attempt unauthorised access to the Services, other accounts or connected systems, including by circumventing security measures.

(h)  Decompile, reverse engineer or disassemble any part of the Services.

(i)  Disguise or conceal your IP address or the source of any content you transmit.

(j)  Harvest or scrape any MiChat data without express permission.

Article 7.  Your Account

7.1  Your account is personal and non-transferable. You must provide accurate information and keep your credentials confidential. You are solely responsible for all activity on your account; MiChat may treat anyone accessing your account with your credentials as you. You must not use another person’s account.

7.2  MiChat may delete your account after 180 consecutive days of inactivity. Account deletion or blocking may result in permanent loss of associated data; MiChat is not liable for such loss. You have no ownership interest in your account or content posted through it. To request account or data deletion, refer to our Privacy Policy.

7.3  MiChat is not responsible for any loss arising from unauthorised use of your account.

Article 8.  Content

8.1  MiChat does not control or monitor user-posted content (“Content”) and makes no representations as to its accuracy or quality. You may encounter offensive or objectionable Content and accept that risk. MiChat is not liable for any Content or losses arising from it. You are solely responsible for your interactions with other users.

8.2  By submitting Content, you: (a) warrant you are entitled to do so and that your Content does not infringe any rights or contain prohibited material; (b) grant MiChat a royalty-free, perpetual, irrevocable, worldwide, fully transferable and sub-licensable licence to use your Content in any manner for any purpose without further notice or compensation; and (c) to the extent permitted by law, waive your moral rights in relation to such use. This licence and waiver survive termination. Content sent to MiChat (solicited or not) may be used without compensation and is not confidential.

Article 9.  Purchases, Subscriptions and Virtual Units

9A.  Products

9.1  MiChat may offer products, premium features and subscriptions (“Products”) through third-party payment platforms including Google Play, Apple App Store, Xendit and carrier billing (“Payment Method”). On purchase, you authorise MiChat or the relevant Payment Method to charge the displayed price including applicable taxes. MiChat sets all pricing at its sole discretion, may offer selective promotions, and does not guarantee uniform or consistent renewal rates. Products are platform-specific and non-transferable between platforms.

9B.  Subscriptions

9.2  Auto-renewal subscriptions are charged each period until cancelled. Google Play subscribers will be notified by Google of price changes. Apple App Store subscriptions auto-renew unless cancelled at least 24 hours before period-end, with price increases notified per Apple’s Usage Rules.

Important: Deleting your MiChat account or uninstalling the App does NOT cancel your subscription. You must cancel through the relevant payment platform account.

9.3  To cancel, log into your payment platform account and follow the cancellation instructions. You retain access until the end of the current period.

9C.  Payment Disputes

9.4  MiChat is not liable for issues with third-party payment platforms. For unauthorised transaction disputes: Google Play — contact support@michat.sg with your order number; Apple App Store — contact Apple at getsupport.apple.com; Xendit — contact help@xendit.co with your order number. If a payment fails, you remain responsible for uncollected amounts until you update your Payment Method or cancel.

9D.  Refunds

9.5  All purchases are non-refundable except where mandatory under applicable law. No refunds apply for partially-used periods, account suspension, or pre-promotion purchases. Where a legal refund right applies, MiChat will process the refund (Apple purchases excepted, as handled by Apple) within 7 calendar days using the original payment method where possible.

9E.  Virtual Units

9.6  MiChat may offer virtual units such as “MiChat coins” or similar (“Virtual Units”) that can be used within the Services. Virtual Units represent a limited, personal, revocable licence only. They have no monetary value, do not accrue interest, and are not redeemable or exchangeable for cash, currency, goods or any item of value inside or outside the platform. Virtual Units are non-transferable and may not be gifted, sold, traded or otherwise conveyed to any other person or account.

9.7  Virtual Units consist of two distinct types which are held in separate accounts: (a) Purchased Coins, which are acquired by direct payment; and (b) Bonus Coins, which are granted by MiChat as part of a top-up promotion or other offer. The two types are subject to different rules as set out in this Article. The balance displayed to you represents the combined total of both types.

9.8  Bonus Coins expire 30 calendar days from the date of receipt (expiring at 00:00:00 on the 31st day) and are automatically forfeited on expiry with no compensation. MiChat may display an advance reminder when Bonus Coins are approaching expiry, but is under no obligation to do so and any failure to display such a reminder does not give rise to any claim against MiChat. Expired Bonus Coins cannot be reinstated.

9.9  When Virtual Units are consumed, the depletion order is fixed by the system and cannot be varied by you: Bonus Coins are always depleted before Purchased Coins. Within each type, units are consumed on a first-in, first-out basis (earliest received first). MiChat reserves the right to modify the depletion order at any time.

9.10  Virtual Units may only be redeemed for products or services made available by MiChat on the platform from time to time. The catalogue of redeemable products and services is determined by MiChat at its sole discretion and may be changed, restricted or withdrawn at any time without notice or compensation. Virtual Units have no validity or use on any other platform, application or service.

9.11  Where a top-up transaction is reversed or refunded (whether initiated by you, by your payment provider, or by Google or Apple), MiChat will claw back all Virtual Units — both Purchased Coins and Bonus Coins — associated with that transaction. If those units have already been spent and your account balance is insufficient to absorb the clawback, your account balance will be reduced to a negative figure. A negative balance represents a debt of Virtual Units owed to MiChat. Any subsequent top-up or Bonus Coin grant will be applied first to clear any outstanding negative balance before being credited to your account. MiChat is not liable for any loss of access to features or services resulting from a negative balance.

9.12  All Virtual Unit purchases are final and strictly non-refundable in all circumstances, including expiry, non-usage, change of mind, account inactivity, voluntary account deletion, and account suspension or termination for breach of these Terms. MiChat may modify, adjust or eliminate Virtual Units at any time without liability. Upon deletion of your account, all remaining Virtual Unit balances (both Purchased Coins and Bonus Coins) are immediately and irrecoverably forfeited. You will not receive any monetary or other compensation for unused, expired or forfeited Virtual Units under any circumstances.

Article 10.  Third-Party Services

10.1  You are solely responsible for internet and mobile charges incurred using the Services. The Services may include links to third-party services and plug-ins (including Google Gemini). MiChat makes no representations about third-party content or services, is not liable for any loss arising from your use of them, and does not guarantee an ad-free experience. Third-party services have their own terms, charges and privacy policies; MiChat’s Privacy Policy does not cover data you provide to third parties.

Article 11.  Suspension and Termination

11.1  MiChat may at any time, with or without notice and without compensation, suspend, terminate, block, modify or delete your account or access to the Services for any reason, including investigation by any authority, adverse user reports, or a police report. MiChat may also remove any Content it determines breaches these Terms, the Community Guidelines, or may bring the Services into disrepute.

11.2  You agree to indemnify MiChat for all losses, claims and expenses arising from your breach of these Terms.

Article 12.  Copyright Take-Down

12.1  To report copyright infringement, send a signed take-down notice to support@michat.sg.

12.2  A valid notice must include: (i) your contact details and, if outside Singapore, a Singapore address for service; (ii) identification of the infringing material and its location; (iii) a request for removal or disabling of access; (iv) a good faith belief statement; (v) confirmation the information is accurate; (vi) confirmation you are the owner, exclusive licensee or authorised agent; and (vii) agreement to Singapore court jurisdiction.

Article 13.  Limitation of Liability and Indemnity

13.1  To the fullest extent permitted by law, MiChat is not liable for any special, incidental, consequential, indirect or punitive damages (including loss of data, profits, reputation, device failure or personal injury) arising from your use of, or inability to use, the Services, however caused. MiChat’s licensors and partners are third-party beneficiaries of these limitations.

13.2  You agree to indemnify and hold MiChat (and its officers, directors, employees, agents, subsidiaries and joint ventures) harmless from any third-party claim, loss, damage or expense (including legal fees) arising from your use of the Services, your Content, your AI Services usage, or any breach of these Terms.

Article 14.  Reporting

14.1  Report users or Content that breach these Terms or the Community Guidelines using the in-app reporting features. MiChat will endeavour to investigate and act accordingly.

Article 15.  Language

15.1  These Terms may be translated into other languages. The English version prevails in the event of any inconsistency.

Article 16.  Governing Law and Disputes

16.1  These Terms are governed by Singapore law. You must first attempt to resolve any dispute by good faith negotiation. Except for MiChat’s intellectual property claims, all disputes shall be finally resolved by SIAC arbitration under the SIAC Rules, seated in Singapore, before a tribunal of three arbitrators, conducted in English.

Article 17.  General

17.1  The Services are deemed provided in Singapore and do not give rise to personal jurisdiction over MiChat outside Singapore. These Terms confer no third-party rights except as expressly stated (see Article 18). Headings are for reference only.

17.2  MiChat may assign these Terms without your consent. You may not assign your rights or obligations without MiChat’s prior written consent; any unauthorised assignment is void.

17.3  If any provision is invalid or unenforceable, it shall be modified to the minimum extent to make it valid, or severed if that is not possible, without affecting the remainder. These Terms are the entire agreement between you and MiChat regarding the Services and supersede all prior agreements. MiChat’s failure to exercise any right is not a waiver; waivers must be in writing signed by an authorised MiChat representative.

Article 18.  Additional Terms — iOS Users

18.1  This Article applies to MiChat App users on Apple iOS. These Terms are between MiChat and you only; Apple has no responsibility for the MiChat Apps. The licence is limited to use on Apple-branded devices you own or control per Apple’s Usage Rules and Standard EULA (apple.com/legal/internet-services/itunes/dev/stdeula/), including via Family Sharing and Legacy Contacts.

18.2  Apple has no maintenance or support obligation. If the App fails to conform to any applicable warranty, you may notify Apple for a purchase price refund; all other product liability, regulatory compliance and consumer law claims are MiChat’s responsibility. Apple is not responsible for any IP infringement claim relating to the MiChat Apps. You warrant you are not in a U.S.-embargoed region and are not on any U.S. prohibited-party list. Apple and its subsidiaries are third-party beneficiaries of these Terms with the right to enforce them against you.

Article 19.  Contact

19.1  For questions, feedback or support:

MiChat Pte Limited  |  38 Beach Road, #29-11, South Beach Tower, Singapore 189767

Email: support@michat.sg  |  Tel: +65 6715 6059

PART 2 — JURISDICTION-SPECIFIC TERMS

The following terms apply to users in the listed jurisdictions and prevail over Part 1 to the extent of any inconsistency.

Indonesia

ID-1  Language: These Terms will be translated into Bahasa Indonesia in compliance with Indonesian language laws. The English version prevails in case of inconsistency; the Bahasa Indonesia version is deemed automatically amended accordingly. No claim may be brought against MiChat for non-compliance with Indonesian language requirements.

ID-2  Amendments: Unlike Article 1.3, amendments affecting Indonesian users take effect only upon direct notification to those users, not upon Website publication alone.

ID-3  Prohibited Content: MiChat will not facilitate content that violates Indonesian law and reserves the right to remove it. You warrant that you will not use the Services in breach of Indonesian law and accept sole responsibility for any non-compliant use or content.

ID-4  Virtual Units: Virtual Units (Articles 9.6–9.12) are not virtual currencies for the purposes of Indonesian law.

Malaysia

MY-1  MiChat does not exercise editorial control over user Content. You must comply with Malaysian law and the Content Code published by the Communications and Multimedia Content Forum of Malaysia (contentforum.my), and must not provide prohibited or unlawful content. MiChat reserves the right to remove such content.