Refund and Cancellation Policy

This Refund and Cancellation Policy (the "Policy") forms part of the Terms of Service between TABAOUS PTE. LTD. (UEN 202611389H) (the "Company", "we" or "us") and you (the "Merchant" or "you"). Capitalised terms not defined here have the meaning given to them in the Terms of Service. In the event of any inconsistency between this Policy and the Terms of Service, the provision more favourable to the Company shall prevail.

This Policy applies to (a) Subscription Fees paid by Merchants to the Company for access to the Service, and (b) refunds, chargebacks and negative balances arising from customer orders processed through a Merchant's storefront.

Free trial. The thirty (30) day Free Trial is offered at no charge. No payment card is collected to start the Free Trial, and no Subscription Fee is invoiced or charged in respect of the Free Trial period. If the Merchant chooses not to add a payment card before the trial expiry date, the Service will simply pause; no charge is incurred and no refund is required. The Free Trial is not refundable in cash because it is not paid for, and any promotional credit, partner credit, voucher or extended trial granted by the Company has no cash value, expires on the stated date, and is not exchangeable, transferable or refundable.

Monthly plan. The Subscription Fee for the Monthly plan (currently SGD 10.90 per month, GST-inclusive) is billed in advance on the renewal date set by the Stripe Customer Portal. The Subscription Fee for any Monthly billing period is non-refundable, non-creditable and non-pro-ratable. Cancellation made through the Stripe Customer Portal or by emailing hello@tabaous.com takes effect at the end of the then-current paid month; the Service remains available until the last day of that month, after which access will be withdrawn.

Yearly plan. The Subscription Fee for the Yearly plan (currently SGD 99.90 per year, GST-inclusive) is billed in advance on the renewal date set by the Stripe Customer Portal. The Yearly Subscription Fee is non-refundable, non-creditable and non-pro-ratable for any reason whatsoever, including (without limitation) cancellation in any month other than the last month of the paid year, a downgrade to the Monthly plan, a closure of the Merchant's business, a transfer of the business, or any change in the Merchant's circumstances. The Merchant accepts that the lower per-month rate of the Yearly plan reflects, and is conditional on, the upfront, non-refundable nature of the Yearly Subscription Fee. Cancellation takes effect at the end of the paid year, and the Service remains available until the last day of that paid year.

Common exclusions. Without limiting the foregoing, no refund or credit will be granted for (a) any unused portion of any billing period following cancellation, downgrade or termination by either party, (b) periods of unavailability of the Service, including scheduled or unscheduled maintenance, force majeure events, third-party outages, regulatory action or suspension of the Merchant for cause, (c) features that the Merchant chooses not to use or to disable, (d) onboarding, design, done-for-you or other setup support already delivered, (e) any change in the Merchant's business, brand, ownership, address or operating model, or (f) any tax, currency-conversion or processing cost levied by Stripe, the Merchant's bank or any other third party.

Mandatory law. Nothing in this Policy excludes any refund right that cannot be excluded under the laws of the Republic of Singapore, including the implied terms in the Sale of Goods Act 1979 and the cooling-off rules in the Consumer Protection (Fair Trading) Act 2003 to the extent they apply to the supply of the Service to a consumer.

The single exception to the no-refund rule above is a Company-initiated discontinuation. If the Company permanently and voluntarily discontinues the Service for its own convenience and not for any of the reasons described in the next paragraph, the Company will refund to each affected Merchant the unused portion of any Subscription Fee already paid for the then-current billing period, calculated on a pro-rata daily basis as: (Subscription Fee paid for the current period) × (number of full days between the date the Service is discontinued and the original end date of the current paid period) ÷ (total number of days in the current paid period). For Yearly-plan Merchants this means a refund of the unused days remaining in the paid year; for Monthly-plan Merchants, the unused days remaining in the paid month. The refund will be issued through Stripe to the original payment card and is the Merchant's sole and exclusive remedy in respect of the discontinuation. No further compensation, damages, lost-profit claim or consequential-loss claim of any kind will be entertained.

No pro-rata refund will be due, and the no-refund rule in section 02 applies in full, where the Service is suspended, restricted, terminated or wound down because of any of the following: (a) the Merchant's breach of these Terms, the Acceptable Use Policy, the Privacy Policy, the Stripe Agreements or any applicable law; (b) the Merchant's non-payment, chargeback, fraud or Negative Balance; (c) any force-majeure event, internet or cloud outage, denial-of-service attack, security incident or other event outside the Company's reasonable control; (d) any act, omission, fee change, rate change, regulatory action, suspension, freeze or insolvency of Stripe or any other Third-Party Service; (e) any order, direction, advisory or restriction of any Singapore or foreign regulator, court or law-enforcement authority; (f) the insolvency, judicial management, bankruptcy, winding-up or receivership of the Company or any of its key suppliers; or (g) the Merchant's voluntary cancellation, downgrade, plan switch, account closure, transfer of business or change of ownership.

Any refund issued under this section is paid in Singapore Dollars and is final. Acceptance of the refund (or, in the case of an automated Stripe refund, the elapse of seven (7) days from the date the Stripe refund is initiated) constitutes a full and final settlement of all claims by the Merchant against the Company arising out of or in connection with the discontinuation, the Service or these Terms.

Each customer order placed on a Merchant's storefront is a contract between the customer and the Merchant. The Company is not a party to that contract and is not the seller of any product or service offered on a storefront. Subject to the Stripe Agreements and applicable consumer-protection law, the Merchant is solely responsible for setting and applying its own refund, exchange and cancellation policy, for resolving customer disputes, and for processing refunds in respect of orders.

Where a customer order is cancelled by the Merchant after payment, the Service will automatically initiate a refund through Stripe back to the customer's original payment method. The Merchant remains responsible for ensuring that every customer is refunded in accordance with the Merchant's published policy and applicable law.

Where a refund is processed through Stripe, Stripe's fees and timing apply. The Company does not refund or credit application fees, processing fees, currency-conversion costs or other amounts levied by third parties unless we are required to do so by law or by the relevant payment partner.

All chargebacks, payment disputes, fraud claims, network fines and assessments arising from transactions processed through the Service are the sole responsibility of the Merchant, including any case in which the chargeback or fine is upheld notwithstanding the Merchant's evidence. The Merchant authorises Stripe and the Company to debit the Merchant's Stripe balance, linked bank account or any payment instrument on file in order to recover such amounts, together with any related fees.

The Company has no obligation to defend any chargeback or dispute on the Merchant's behalf, and may, in its sole discretion and without liability, choose not to contest a chargeback where it considers that doing so would not be cost-effective or would expose the Company to additional risk.

If, at any time and for any reason, the Merchant's balance with Stripe, with the Company, or with the Merchant's linked bank account becomes negative (a "Negative Balance"), including as a result of refunds, chargebacks, reversals, fines, application fees, fraud losses, manual or instant payouts that were initiated, released or withdrawn against pending or anticipated funds that subsequently failed to settle, miscalculations, or any payout taken in excess of the funds actually available, the resulting deficit is a debt immediately due and payable by the Merchant to the Company.

The Negative Balance shall accrue interest at the lower of one and one-half per cent (1.5%) per month or the maximum rate permitted by Singapore law, compounded monthly, from the date the deficit first arises until paid in full. The Merchant irrevocably authorises the Company and Stripe to recover the Negative Balance and all related amounts by any one or more of the following means, in any order chosen by the Company: (a) deducting the amount from any current or future balance, payout or settlement otherwise payable to the Merchant, (b) debiting the Merchant's linked bank account or any payment instrument on file (including by direct debit, GIRO, PayNow, FAST or card), (c) setting off the amount against any other amount the Company owes to the Merchant, (d) requiring the Merchant to pay the amount in immediately available funds within seven (7) days of demand, (e) placing a reserve, hold or freeze on the Merchant's Stripe account or storefront, and (f) suspending payouts, suspending the Service or taking the Merchant's storefront offline.

If a Negative Balance, or any other amount owed to the Company, remains unpaid for more than seven (7) days after the date the deficit first arose or after written demand (whichever is earlier), the Merchant shall be in default. In the event of default, the full outstanding amount, together with accrued interest, all costs of recovery (including without limitation legal fees on a full indemnity basis, court fees, debt-collection-agency fees, and fees charged by Stripe or any other payment partner), and any consequential loss suffered by the Company, shall constitute a liquidated debt immediately enforceable against the Merchant. The Company may, in addition to all other remedies, (i) accelerate all amounts otherwise payable by the Merchant, (ii) terminate the Service for cause without further notice, (iii) refer the debt to credit bureaus and licensed debt-collection agencies in Singapore and abroad, (iv) report suspected fraud or unlawful conduct to the Singapore Police Force, the Monetary Authority of Singapore, the Inland Revenue Authority of Singapore and any other competent authority, (v) commence civil proceedings (including by way of statutory demand, bankruptcy or winding-up proceedings) for the recovery of the debt, and (vi) publish the Merchant's default to other Tabao Us merchants and to our service providers to the extent reasonably necessary to prevent further loss.

Where the Merchant is a sole proprietorship, partnership or any entity in which the Merchant (or its authorised signatories or beneficial owners) retains personal liability under Singapore law, the Merchant accepts personal liability for any Negative Balance jointly and severally with the entity. Where the Merchant is a private limited company or other entity with limited liability, the Merchant nevertheless personally guarantees, as a primary obligor and not merely as a surety, the punctual payment and performance of all of the entity's obligations to the Company under the Terms of Service (including any Negative Balance). The Company may, in its sole discretion and without prejudice to any other right, pursue the Merchant personally for the full amount owed.

Where the Company reasonably suspects that a payout, transaction or refund is the result of fraud, abuse, error, breach of these Terms or breach of the Stripe Agreements, the Company may, without notice and without liability, (a) reverse, withhold, or claw back the relevant payout or refund, (b) freeze the Merchant's Stripe balance and storefront, (c) require additional information or identity verification before releasing funds, and (d) report the matter to the relevant authorities. Any amounts clawed back will, until repaid by the Merchant in full, form part of the Negative Balance and be governed by section 05 of this Policy.

The Merchant is solely responsible for the tax and accounting treatment of any refund issued to its customers, including any related GST adjustments. The Company does not provide tax or accounting advice and disclaims any liability for the tax consequences of any refund processed through the Service.

We may update this Policy from time to time. Material changes will take effect no earlier than fourteen (14) days after notice by email or through the manage dashboard, except where a shorter period is required by law, regulator or payment partner. Continued use of the Service after the effective date constitutes acceptance of the updated Policy.

TABAOUS PTE. LTD. (UEN 202611389H), Singapore. Email: hello@tabaous.com. WhatsApp: +65 8083 6924.