Terms of Service

Last updated: 17 June 2026 Effective date: 17 June 2026

These Terms of Service (the "Terms") form a binding agreement between you and Wize Tech Pte Ltd, a private limited company incorporated in the Republic of Singapore (ACRA), operating the Guruvice platform ("Guruvice", "we", "us", "our"). The Terms govern your access to and use of our mobile applications, web services, AI assistant (delivered via Telegram), and related services (collectively, the "Services").

By accessing, creating an account on, or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.

1. Definitions

• "Guru" / "Expert": a user who offers expertise, instruction, or services through the Services
• "Learner": a user who books or attends sessions, webinars, or other offerings from a Guru
• "User": any person who uses the Services in any capacity (including Gurus, Learners, and visitors)
• "Session": a one-to-one (or small group) live audio/video meeting between a Learner and a Guru, booked through the Services
• "Webinar": a one-to-many live broadcast hosted by a Guru
• "Package": a pre-purchased set of sessions, often at a discounted rate
• "Content": any text, image, audio, video, code, file, or other material posted, uploaded, transmitted, or otherwise made available through the Services
• "AI Assistant": the Guruvice AI Assistant, an optional service delivered through Telegram

2. Eligibility and Account Registration

2.1 Age Requirement

You must be at least eighteen (18) years of age to create an account or use the Services. By creating an account, you represent and warrant that you are 18 or older and have the legal capacity to enter into these Terms.

2.2 Account Registration

To use most features of the Services you must register an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your information to keep it accurate
• Maintain the security of your account credentials (including not sharing your password with anyone)
• Be responsible for all activity that occurs under your account
• Notify us promptly at contact@guruvice.com of any actual or suspected unauthorised access to your account

2.3 Verification (Gurus)

Gurus may be required to complete identity, qualification, and background verification before being able to offer paid services. We reserve the right to require additional verification at any time and to limit, suspend, or remove a Guru's profile if verification fails or if any submitted information is inaccurate or misleading.

2.4 One Person, One Account

You may not maintain more than one account, transfer your account to anyone else, or use the account of another person.

3. The Services

3.1 Nature of Guruvice

Guruvice operates a marketplace that connects independent Gurus with Learners. Guruvice is not the provider of the services offered by Gurus. Gurus are independent third parties; they are not our employees, partners, agents, or representatives. Guruvice is not a party to the agreements between Gurus and Learners regarding session content, instruction, advice, or outcomes.

3.2 Our Role

We provide the platform, payment escrow, session delivery infrastructure, and dispute support, but the Guru is solely responsible for the lawful, professional, and competent conduct of their services. Learners are solely responsible for assessing whether a particular Guru is suitable for their needs and for their own conduct during sessions.

3.3 Service Availability

We strive to keep the Services available 24/7, but we make no guarantee of uninterrupted availability. The Services may be unavailable for planned maintenance, due to factors beyond our control, or for other reasons. We will give reasonable advance notice of planned maintenance where practical.

4. Sessions

4.1 Booking and Confirmation

Learners may browse available Gurus and book Sessions through the Services. A Session is confirmed when payment is captured (or, for prepaid Packages, when the booking is created and a Package credit is consumed). The Guru is then committed to deliver the Session at the booked time.

4.2 Joining

Sessions are delivered through our in-app real-time audio/video infrastructure (Agora.io). Both parties are expected to:

• Join at the booked start time
• Use a stable internet connection and a quiet, appropriate environment
• Conduct themselves professionally and courteously

4.3 Late Arrivals

If a participant does not join within ten (10) minutes of the booked start time without prior notice, the other party may end the Session. The Demerit Point System (Section 11) may apply to no-shows and persistent lateness.

4.4 Cancellation and No-Shows (Learner)

Learners may cancel a 1:1 Session free of charge up to 12 hours before the Session start; the card hold is released in full. Within 12 hours of the start, cancellation is not available — the Session is committed.

A no-show is subject to the ten (10) minute grace period in Section 4.3:

• If the Learner does not join but the Guru does: 50% of the Session price is charged and 50% is released to the Learner
• If the Guru does not join: the Learner is fully refunded
• If neither party joins: there is no charge

4.5 Cancellation by the Guru

If a Guru cancels a Session for any reason other than a documented emergency:

• The Learner receives a full refund (or, for Package-booked Sessions, the credit is returned)
• The Guru's account may incur demerit points (Section 11)

If the Guru cancels for a documented emergency (illness, family emergency, or similar) and offers a reschedule that the Learner accepts, no demerit points apply.

4.6 Rescheduling

Either party may propose a rescheduling. A rescheduling is effective only when the other party accepts. Unaccepted rescheduling proposals do not change the original booking time.

4.7 Recording

By default, Sessions are not recorded. If a Session is recorded, all participants must consent before recording begins. Recordings (where they exist) are stored encrypted and are accessible only to the participants and to our authorised personnel for safety and quality-assurance purposes.

5. Instant Sessions

5.1 What Are Instant Sessions

Instant Sessions allow a Learner to request a live Session from a specific currently-available Guru without pre-booking, typically for urgent or ad-hoc consultation. The request goes to that Guru only; it is not re-offered to other Gurus.

5.2 Guru Availability

Gurus opt into Instant Session availability through their settings. While "Instant On", they are committing to be available to accept incoming requests within a short window.

5.3 Accept and Join Windows

A Guru has 2 minutes to accept an incoming Instant Session request. Once accepted, both parties have 5 minutes to join. To prevent unanswered requests from harming Learners' experience:

• If the Guru does not accept within the 2-minute window, the request times out with a full refund (it is not re-offered to another Guru)
• The Guru's "Ready for Instant" availability auto-turns-off after a configurable number of consecutive declines, when the daily limit is reached, or after a period of inactivity
• Consistent missed Instant requests may trigger demerit points (Section 11)

5.4 Cancellation and Refunds

Once an Instant Session is accepted, neither party can cancel — if someone cannot make it, the 5-minute join window simply closes. Outcomes are:

• Guru accepts but does not join within 5 minutes: full refund to the Learner + 3 demerit points to the Guru
• Guru declines or times out: full refund; no charge
• Learner does not join but the Guru does: 50% of the rate is charged, 50% refunded; the Learner receives 1 demerit point
• Neither party joins: no charge, no demerits

6. Webinars

6.1 What Are Webinars

Webinars are one-to-many live broadcasts hosted by Gurus, with Learners attending as participants. Webinars may be free or paid.

6.2 Minimum and Maximum Attendees

A Guru may set a minimum attendee count for the Webinar to proceed (typically to ensure the event is viable) and a maximum attendee count. If the minimum is not met by a configured time before the start:

• The Webinar may be auto-cancelled
• All paid registrants receive full refunds

6.3 Webinar Cancellation

Webinar registrations cannot be cancelled by the Learner once booked — this gives the host a confirmed headcount. A Learner is refunded only if:

• The Webinar is auto-cancelled for not meeting the minimum number of attendees (Section 6.2), or
• The Webinar is cancelled by the Guru — all registrants receive a full refund, and demerit points may apply to the Guru

A Guru no-show on a confirmed Webinar fully refunds all registrants (and incurs demerit points). A registered Learner who does not attend forfeits the seat (no refund).

6.4 Recording Distribution

Where a Webinar is recorded (with consent of the host), the recording may be made available to paid registrants after the live event. Distribution beyond paid registrants requires the host Guru's explicit permission.

7. Promotional Webinars

A Guru may host Promotional Webinars: free webinars used to introduce new Learners to the Guru's expertise and offerings. Promotional Webinars are subject to additional rules:

• They must be genuinely informational and not a sales pitch in disguise
• Hard-sell techniques, high-pressure tactics, or misleading claims are prohibited
• The Guru's normal Cancellation and Conduct rules apply

We reserve the right to limit the frequency of Promotional Webinars a Guru may host and to remove Promotional Webinar privileges from Gurus who abuse the feature.

8. Packages

8.1 What Are Packages

A Package is a pre-purchased set of Sessions with a specific Guru, typically offered at a discount to single-Session pricing.

8.2 Payment and Validity

The Learner pays the full Package price upfront. Funds are held in escrow and released to the Guru session-by-session as each Session is completed; each Session consumes one credit from the Package.

Packages have a validity period set by the Guru. Unused credits expire at the end of the validity period — but, on expiry, each unused credit is refunded (see Section 8.3).

8.3 Package Refunds

• Before any Session has been consumed: full refund within 7 days of purchase
• Cancelling a single upcoming Session (more than 12 hours before): the credit is returned to the Package to re-book — it is not refunded as cash
• On expiry with unused credits: each unused credit is refunded at the Package's own per-Session price (Package total ÷ number of Sessions), not the standalone single-Session price

8.4 Package Extensions

A Guru may, at their discretion, grant a Package validity extension. In addition, the platform automatically extends a Package's validity when a Guru misses or cancels a Session, so lost time is not taken from the Learner.

9. Payments and Payouts

9.1 Payment by Learners

Payment for Sessions, Webinars, and Packages is taken at the time of booking (or, for Packages, at the time of purchase). We currently process card payments via Stripe. We may add additional payment methods over time, including Apple Pay, Google Pay, PayNow (Singapore), UPI (India), and other regionally relevant payment rails. Each method is subject to that provider's own terms and conditions.

9.2 Currency and Exchange

Supported currencies are Singapore Dollar (SGD), Indian Rupee (INR), US Dollar (USD) and British Pound (GBP). Learners are charged in their own local currency.

For cross-currency bookings, Guruvice performs the conversion using Wise exchange rates plus a 2% buffer to cover rate movement between checkout and settlement. The rate used is shown before you pay. Conversion is not left to your card issuer.

9.3 Fees

Learners see the total before paying. On top of the Guru's price, a service fee applies:

• Same-currency bookings: 1.6% platform fee + 3.4% payment processing, plus a small fixed fee
• Cross-currency bookings: 2.5% platform fee + 4.5% processing & conversion, plus a small fixed fee

The fixed fee varies by currency (e.g. S$0.50 / $0.30 / £0.20 / ₹3.00).

Gurus are paid their set price less a platform commission of 5% (1:1 Sessions, Instant Sessions and Packages) or 9% (Webinars). The platform fee covers session delivery infrastructure, customer support, trust and safety operations, and ongoing platform development.

9.4 Payment Processor Fees

Payment-processing fees are covered by the service fee the Learner pays at checkout and are not separately deducted from the Guru's payout.

9.5 Payouts to Gurus

Earnings from a completed Session or Webinar become payout-eligible after a 4-day window (so any refunds can settle first). Once a Guru's available balance reaches the per-currency minimum (S$100 / ₹3,000 / $100 / £100), the Guru may request a payout, which Guruvice reviews and approves, then sends via Wise Payments Ltd — using local rails such as PayNow in Singapore and UPI in India, and bank transfer elsewhere. The Wise transfer fee is absorbed by Guruvice — the Guru receives their full net earnings.

You are responsible for providing accurate payout details and for ensuring you are authorised to receive payments in the manner specified. We are not responsible for losses arising from incorrect payout information.

9.6 Refunds

Refunds are processed through the original payment method where possible, and typically appear on your statement within 5-10 business days, subject to your bank's processing times.

9.7 Taxes

You are responsible for any taxes (including income tax, goods and services tax / value-added tax, and any withholding) that apply to your activity on the Services. We may collect tax information and may withhold or remit taxes where required by law. We provide records of your transactions to support your tax compliance.

10. Content and Conduct

10.1 Your Content

You retain ownership of the content you create on or upload to the Services (such as your profile, bio, messages, reviews, and session materials). By posting Content, you grant us a worldwide, non-exclusive, royalty-free licence to host, store, transmit, display, and use the Content as necessary to operate and improve the Services and to enforce our Terms.

10.2 Permitted Use

Content you post must:

• Be your own or used with the owner's permission
• Be accurate (especially Guru qualifications, credentials, and bio)
• Comply with applicable law
• Comply with the Acceptable Use rules in Section 10.4

10.3 Reviews

Reviews must be honest, based on first-hand experience, and free of personal attacks. We may remove reviews that violate these rules, contain personal information, or appear to be fake or incentivised.

10.4 Acceptable Use

You agree not to use the Services to:

• Violate any law, regulation, or court order
• Infringe the intellectual property, privacy, publicity, or other rights of any person
• Post or transmit unlawful, defamatory, harassing, threatening, abusive, hateful, or pornographic content
• Sexually solicit, exploit, or harm any person, especially any minor
• Discriminate against any person based on race, ethnicity, religion, gender, sexual orientation, disability, or any other protected characteristic
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Engage in fraudulent activity, including payment fraud, chargeback abuse, identity fraud, or qualification misrepresentation
• Solicit other Users to transact outside the Services to evade the platform fee
• Use the Services to deliver advice or services for which you lack legal authorisation in your jurisdiction (for example, unlicensed medical, legal, financial, or psychotherapeutic advice where licensing is required)
• Attempt to bypass, disable, or interfere with any security, authentication, or access-control feature of the Services
• Probe, scan, or test the vulnerability of any system or network, or breach any security or authentication measures
• Use automated means (bots, scrapers, crawlers) to access or extract data from the Services without our prior written consent, except for well-known search engines indexing public pages
• Reverse-engineer, decompile, or attempt to derive the source code or underlying ideas of the Services, except as permitted by law
• Resell, sublicense, or commercially exploit the Services other than through your intended use as a Guru or Learner
• Upload viruses, malware, or other harmful code
• Harvest, collect, or store information about other Users without their consent

10.5 Reporting

If you witness or are subjected to any violation of these rules, please report it via the in-app reporting feature or contact us at contact@guruvice.com. We take all reports seriously and investigate promptly.

11. Demerit Point System

To maintain the quality and reliability of the Services, we operate a Demerit Point System for Gurus. Demerit points are issued for behaviours that harm Learners or the platform, including:

• Last-minute cancellations without documented emergency
• No-shows for Sessions or Webinars
• Excessive Instant Session missed-acceptances
• Substantiated reports of unprofessional conduct
• Substantiated reports of misleading credentials
• Other behaviours we identify and notify Gurus of in advance

11.1 Tiers

Specific thresholds and timeframes are published in the in-app Guru handbook and may be updated from time to time.

11.2 Appeals

A Guru who believes a demerit point was issued in error may appeal at appeals@guruvice.com (or via the in-app appeal flow). Appeals are reviewed by our Trust and Safety team. Decisions are final and at our discretion, but we commit to handling appeals in good faith and on the basis of evidence.

11.3 Demerit Decay

Demerit points decay (drop off) twelve (12) months after they are issued, provided no related new demerit has been issued in the interim.

12. The AI Assistant (Telegram Bot)

12.1 Optional Service

The Guruvice AI Assistant is an optional service delivered through Telegram. Linking the Assistant is entirely voluntary.

12.2 Linking and Unlinking

You may link the Assistant by following the in-app instructions, which produce a single-use, time-limited link code that you enter in our Telegram bot. You may unlink at any time by sending /stop in Telegram.

12.3 What the Assistant Does

The Assistant provides:

• Daily morning briefs summarising your scheduled Sessions and Webinars
• Optional integration with your Google Calendar (separate opt-in via /connect_calendar) to detect scheduling conflicts
• Optional reminders before Sessions

12.4 Acceptable Use of the Assistant

The Assistant is for your personal use only. You agree not to:

• Use the Assistant on behalf of another User without their authorisation
• Attempt to use the Assistant to access another User's account or data
• Send abusive, harassing, or malicious commands to the Assistant
• Attempt to manipulate, jailbreak, or exploit any AI components of the Assistant in ways that would breach these Terms

12.5 Google Calendar Integration

If you opt in to the Google Calendar integration:

• You authorise us to read events on your primary Google Calendar for the limited purpose of detecting scheduling conflicts
• The OAuth scopes we request are listed in the Privacy Policy Section 2.9. They are all read-only or identity-confirming.
• We do not store the content of your Google Calendar events; we fetch them live each time we need to compute conflicts and discard them after use
• We do store, encrypted, the OAuth refresh token Google issues to us; this is necessary to read events without prompting you to log in each time
• You may revoke our access at any time by sending /disconnect_calendar to the Assistant in Telegram, by sending /stop, or by visiting Google Account permissions at myaccount.google.com/permissions

See our Privacy Policy Section 9 for the full disclosure of our Google API usage and our adherence to the Google API Services User Data Policy.

12.6 No Reliance on Assistant for Critical Decisions

The Assistant is a convenience feature. It is not a substitute for managing your schedule and obligations through Guruvice's primary applications. We are not liable for any consequences arising from your reliance on, or non-receipt of, an Assistant message, including missed Sessions, missed reminders, or undetected conflicts. Always treat the in-app calendar as authoritative.

12.7 Termination of the Assistant

We may modify, suspend, or discontinue the Assistant at any time, in whole or in part, with reasonable notice where practical. Discontinuation of the Assistant does not affect the rest of the Services.

13. Intellectual Property

13.1 Our IP

The Services, including all software, designs, text, graphics, logos, marks, and other content created by us, are owned by Wize Tech Pte Ltd and protected by copyright, trademark, and other intellectual property laws. "Guruvice" and our associated logos and marks are trademarks of Wize Tech Pte Ltd. Nothing in these Terms grants you any right, title, or interest in our intellectual property except for the limited licence to use the Services as set out in Section 13.3.

13.2 Your IP

You retain ownership of the content you create on the Services. The licence you grant us is described in Section 10.1.

13.3 Limited Licence to Use the Services

Subject to your compliance with these Terms, we grant you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Services for their intended purpose. This licence does not include any right to:

• Resell or commercially exploit the Services or their content
• Use any data mining, robots, or similar data-gathering or extraction methods
• Frame, mirror, or republish any part of the Services without our express written consent

13.4 Feedback

Any feedback, suggestions, or ideas you provide us about the Services are non-confidential, and we may use them without restriction or compensation to you.

13.5 DMCA / Copyright Complaints

If you believe content on the Services infringes your copyright, send a notice that includes the elements required by the U.S. Digital Millennium Copyright Act (DMCA) (or the equivalent in your jurisdiction) to contact@guruvice.com. We will respond promptly to valid notices.

14. Privacy

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, share, store, and protect your personal information. By using the Services, you consent to the practices described in the Privacy Policy.

15. Disclaimers

15.1 No Warranty

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, or that the Services will be uninterrupted, error-free, or secure.

15.2 No Warranty About Gurus or Learners

We do not warrant the qualifications, advice, conduct, or trustworthiness of any User. While we conduct reasonable verification, we cannot guarantee that any Guru is competent for any particular purpose or that any Learner will conduct themselves professionally. Engage with Users at your own risk and exercise reasonable judgment.

15.3 Professional Advice

Nothing on the Services is, or should be taken as, professional advice (medical, legal, financial, psychological, or otherwise). You should consult a duly licensed and qualified professional in your jurisdiction before acting on any information you receive through the Services.

15.4 No Reliance on the AI Assistant

Section 12.6 sets out our position on reliance on the AI Assistant: it is a convenience, not an authoritative system of record.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

16.1 Excluded Damages

In no event will Wize Tech Pte Ltd or its directors, officers, employees, agents, suppliers, or licensors be liable for any:

• Indirect, incidental, special, consequential, exemplary, or punitive damages
• Loss of profits, revenue, goodwill, use, data, or other intangible losses
• Cost of substitute services
• Damages arising from disputes between Users
• Damages arising from your use of, or inability to use, the Services
• Damages arising from unauthorised access to or alteration of your data
• Damages arising from any third-party service provider's acts or omissions

even if we have been advised of the possibility of such damages, and regardless of the legal theory (contract, tort, statute, or otherwise).

16.2 Aggregate Cap

Our aggregate liability to you for all claims arising out of or relating to these Terms or the Services, in any twelve-month period, is limited to the greater of:

• The total amount you have paid us (net of refunds) in the twelve months preceding the event giving rise to the claim
• Singapore Dollars one hundred (SGD 100)

16.3 Consumer Rights Preserved

Nothing in this Section 16 limits or excludes liability that cannot lawfully be limited or excluded under your jurisdiction's consumer protection laws. In particular, if you are a "consumer" under the law of your jurisdiction (for example, the United Kingdom's Consumer Rights Act 2015 or India's Consumer Protection Act 2019), nothing in these Terms limits the statutory rights you have as a consumer.

17. Indemnification

You agree to indemnify, defend, and hold harmless Wize Tech Pte Ltd, its directors, officers, employees, agents, suppliers, and licensors from and against any claim, demand, loss, liability, damage, or expense (including reasonable legal fees) arising out of or related to:

• Your use of the Services
• Your violation of these Terms
• Your violation of any law or third-party right
• Your Content
• Disputes between you and other Users that we are drawn into

We may, at our sole discretion, assume control of the defence of any claim subject to indemnification, in which case you agree to cooperate with our defence.

18. Termination

18.1 Termination by You

You may stop using the Services at any time. You may close your account by following the in-app account deletion process or by contacting contact@guruvice.com. Account closure is subject to the resolution of any outstanding obligations (such as Sessions you are scheduled to host, refunds owed, or sums owing to us).

18.2 Termination by Us

We may suspend or terminate your account, with or without notice, if:

• You breach these Terms
• You engage in conduct we reasonably believe to be fraudulent, harmful to other Users, or harmful to the Services
• We are required to do so by law or by the order of a competent authority
• We discontinue the Services or a feature you depend on
• For any other reason at our reasonable discretion, with reasonable notice where practical

18.3 Effect of Termination

Upon termination:

• Your right to use the Services ceases immediately
• Your data is retained and deleted in accordance with our Privacy Policy
• Sections of these Terms that by their nature should survive termination (including Sections 13, 14, 15, 16, 17, and 19-22) will survive

19. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will:

• Update the "Last updated" date at the top of these Terms
• Post the updated Terms on our website and within the Services
• Notify you by email or in-app notice before the changes take effect

Your continued use of the Services after the effective date of any change constitutes your acceptance of the updated Terms. If you do not agree, you should stop using the Services and may close your account in accordance with Section 18.1.

20. Governing Law and Dispute Resolution

20.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict-of-laws rules.

20.2 Jurisdiction

You agree that any dispute, controversy, or claim arising out of or relating to these Terms or the Services (each, a "Dispute") will be submitted to the exclusive jurisdiction of the courts of Singapore, except as set out in Section 20.4.

20.3 Informal Resolution

Before submitting a Dispute to formal proceedings, you agree to attempt to resolve it informally by contacting us at contact@guruvice.com. We will endeavour to respond within 30 days. Many Disputes can be resolved without formal proceedings.

20.4 Consumer Rights Preservation

If you are a consumer:

• In the United Kingdom: you may bring proceedings in the courts of England and Wales (or the place where you are domiciled), and the laws of your domicile may give you additional protections that override Section 20.1 to the extent of any conflict
• In a European Economic Area country: you may bring proceedings in the courts of the country where you are domiciled, and your domicile's mandatory consumer protection rules may apply
• In California or other U.S. states with relevant consumer protection statutes: nothing in these Terms waives any non-waivable statutory rights
• In India: you retain your rights under the Consumer Protection Act 2019 and may approach the relevant consumer forum

20.5 No Class Actions

To the extent permitted by law, Disputes will be resolved on an individual basis. You agree not to bring or participate in any class action, collective action, or representative proceeding against us.

21. Miscellaneous

21.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms we provide for specific features (which form part of these Terms when you use those features), constitute the entire agreement between you and us regarding the Services and supersede any prior agreements on the same subject matter.

21.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect.

21.3 No Waiver

Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. A waiver is effective only if in writing and signed by us.

21.4 Assignment

You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may freely assign these Terms in connection with a merger, acquisition, reorganisation, or sale of assets, with reasonable notice to you.

21.5 Third-Party Beneficiaries

Except as expressly stated, these Terms do not create any rights for third parties. The Contracts (Rights of Third Parties) Act 2001 of Singapore is excluded.

21.6 Notices

We may send notices to you by email (to the address associated with your account), by in-app notification, or by posting them in the Services. You may send notices to us at contact@guruvice.com or by post to the address in Section 22.

21.7 Force Majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, war, terrorism, natural disasters, pandemics, government actions, internet or telecommunications outages, or third-party service provider failures.

21.8 Headings

Section headings are for convenience only and do not affect interpretation.

21.9 Language

These Terms are provided in English. If we publish translations, the English version will prevail in the event of any inconsistency.

22. Contact Us

If you have questions about these Terms, please contact us:

Wize Tech Pte Ltd (operating as Guruvice) 421 Clement Ave 1, #40-371 Singapore 120421

• General queries: contact@guruvice.com
• Privacy queries: privacy@guruvice.com
• Data Protection Officer: dpo@guruvice.com
• Appeals (Demerit Point System): appeals@guruvice.com

Changelog

By using the Services, you acknowledge that you have read and understood these Terms and agree to be bound by them.