Terms of Service

1. Acceptance of Terms

By accessing or using any product or service provided by Flō ("we", "us", "our"), a Singapore business (UEN 202618490M), including ClassFlō, CustomFlō, our website at useflo.co, and any WhatsApp integrations we provide, you agree to be bound by these Terms of Service ("Terms"). If you are acting on behalf of a business, you represent that you have authority to bind that business to these Terms.

If you do not agree to these Terms, please do not use our Services.

2. The Services

Flō provides the following products and services ("Services"):

• ClassFlō — a platform for tuition and enrichment centres to manage students, attendance, fees, and parent communication.
• CustomFlō — where separately agreed with you in writing, services to audit, design, and implement operational workflows tailored to your business.
• Messaging integrations — where offered, features that connect the Services with third-party messaging platforms such as WhatsApp (see section 11).

We reserve the right to modify, suspend, or discontinue any part of the Services at any time. Where reasonably practicable, we will provide advance notice of material changes.

3. Accounts and Access

To use certain features of the Services, you may be required to create an account. You are responsible for:

• Keeping your account credentials confidential
• All activity that occurs under your account
• Notifying us promptly of any unauthorised access at hello@useflo.co

You must provide accurate and up-to-date information when registering and using the Services.

4. Fees and Payment

Some Services may be offered free of charge, and others for a fee. Where fees apply:

• Fees and billing — The applicable fees, billing period, any promotional or introductory offer, and any cancellation or refund terms are those presented to you when you sign up or agreed with you in writing. Unless stated otherwise, fees are in Singapore Dollars (SGD).
• Fee changes — We will give you reasonable advance notice before any change to the fees you pay takes effect.
• Non-payment — We may suspend or terminate access to paid Services if fees remain unpaid.

5. Acceptable Use

You agree not to use the Services to:

• Violate any applicable law, regulation, or third-party rights
• Process personal data in a manner that contravenes Singapore's Personal Data Protection Act 2012 (PDPA) or any applicable data protection law
• Attempt to gain unauthorised access to any part of the Services or any related system
• Interfere with or disrupt the integrity, security, or performance of the Services
• Transmit any harmful, fraudulent, or unlawful content through the Services

6. Intellectual Property

All intellectual property rights in the Services — including software, design, trademarks, and content — are owned by or licensed to Flō. Nothing in these Terms grants you any rights in such intellectual property.

You retain ownership of all data you input into the Services ("Your Data"). By using the Services, you grant Flō a limited, non-exclusive licence to use Your Data solely to provide and improve the Services.

7. Data and Privacy

Our collection and use of personal data is described in our Privacy Policy, which is incorporated into these Terms by reference. Individuals can find out how to ask us to delete their personal data on our Data Deletion Instructions page.

Businesses that process personal data of students, parents, staff, or customers through the Services are responsible for meeting their own obligations under applicable data protection law, including Singapore's Personal Data Protection Act 2012.

8. Disclaimer of Warranties

The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, or secure at all times. We do not guarantee that any feature will remain available or function in any particular manner.

9. Accuracy of Calculations and No Financial Advice

The Services may generate calculations, reports, and summaries, including but not limited to fee computations, attendance tallies, payment records, outstanding balances, and other numerical outputs ("Calculated Outputs"). We make no warranty, express or implied, that any Calculated Output is accurate, complete, current, or free from error.

All Calculated Outputs must be independently verified by you before being relied upon for any financial, administrative, legal, tax, regulatory, or other purpose. The Services are not a substitute for professional accounting, financial, tax, or legal advice. Nothing in the Services constitutes financial or tax advice, and no Calculated Output should be submitted to any government authority, regulatory body, or third party without your own independent review and verification.

You are solely responsible for the accuracy of any data you enter into the Services. Errors in input data will produce errors in Calculated Outputs, and Flō bears no responsibility for such outcomes. If you identify a discrepancy or suspected error in any Calculated Output, you should contact us at hello@useflo.co and cease relying on the affected output until it has been reviewed.

Flō shall not be liable for any loss, damage, penalty, fine, regulatory action, or claim of any kind arising from your reliance on any Calculated Output without independent verification.

10. Third-Party Services

The Services may integrate with or depend on third-party platforms, payment processors, communication services, or infrastructure providers (collectively, "Third-Party Services"), including but not limited to payment gateways, cloud hosting providers, and messaging services. These Third-Party Services are operated independently of Flō and are subject to their own terms and conditions.

Flō does not control, endorse, or assume responsibility for any Third-Party Service. We make no warranty regarding the availability, accuracy, security, or performance of any Third-Party Service. Any disruption, error, or failure of a Third-Party Service that affects the Services shall not constitute a breach by Flō, and Flō shall not be liable for any loss or damage arising from your use of or reliance on any Third-Party Service.

You are responsible for complying with the terms and conditions of any Third-Party Service you use in connection with the Services.

11. Meta and WhatsApp Integrations

Some Services may let you send or receive messages through the WhatsApp Business Platform provided by Meta. Meta and WhatsApp are independent third parties. In addition to section 10, the following applies to these integrations:

• No guarantee of availability — The availability of WhatsApp features, message delivery, approval of business accounts, phone numbers, and message templates, and continued access to the WhatsApp Business Platform depend on Meta and WhatsApp. Flō does not control these decisions and does not guarantee them.
• Your responsibilities — If you are a business using a WhatsApp integration through Flō, you are responsible for obtaining any permissions and opt-ins required before messaging individuals, giving any notices required to the people you message, meeting all laws that apply to your messages, and following the WhatsApp Business Terms of Service, WhatsApp Business Messaging Policy, and any other applicable Meta and WhatsApp terms and policies.
• Platform changes — Meta or WhatsApp may change, restrict, or withdraw their platform, policies, or pricing at any time. We may need to change, suspend, or stop a WhatsApp integration as a result.

12. Limitation of Liability

To the fullest extent permitted by Singapore law, Flō shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, revenue, profit, goodwill, or business opportunity, arising from your use of or inability to use the Services, any Calculated Output, or any Third-Party Service, regardless of whether Flō has been advised of the possibility of such damages.

Our total aggregate liability to you for any and all claims arising out of or relating to these Terms or the Services shall not exceed the total fees paid by you to Flō in the three (3) months immediately preceding the event giving rise to the claim. Where no fees have been paid, our total liability shall not exceed S$100.

Nothing in these Terms excludes or limits Flō's liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable Singapore law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Flō and its officers, directors, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your use of or access to the Services
• Your breach of these Terms
• Your violation of any applicable law or regulation, including the PDPA
• Any data you input into the Services, including errors or inaccuracies therein
• Your reliance on any Calculated Output without independent verification
• Any claim by a third party arising from your use of the Services

14. Force Majeure

Flō shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, governmental action, pandemic, power failure, internet or telecommunications outages, cyberattacks, or failures of Third-Party Services.

In the event of a force majeure, we will notify you as soon as reasonably practicable and will use reasonable efforts to resume performance. If the force majeure event continues for more than 30 consecutive days, either party may terminate the affected Services by written notice without liability.

15. Termination

Either party may terminate these Terms at any time. We may suspend or terminate your access immediately if you breach these Terms, if required by law, or if continued provision of the Services becomes commercially impracticable.

On termination, your right to use the Services ceases immediately. Unless you ask us to delete it sooner, we will retain Your Data for 30 days after termination to allow you to request an export or retrieval. After this period, Your Data may be permanently deleted and cannot be recovered, except for any limited information we are required by law to keep. It is your responsibility to export any data you require prior to termination.

16. Changes to These Terms

We may update these Terms from time to time. For material changes, we will notify you by email or by a prominent notice on our website at least 14 days before the changes take effect. Your continued use of the Services after the effective date constitutes acceptance of the updated Terms.

17. Severability and Entire Agreement

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

These Terms, together with our Privacy Policy and any separate written agreement between you and Flō for specific Services, constitute the entire agreement between you and Flō with respect to the Services and supersede all prior agreements, representations, or understandings, whether written or oral. No waiver by Flō of any breach of these Terms shall be deemed a waiver of any subsequent breach.

18. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be subject to the non-exclusive jurisdiction of the courts of Singapore.

19. Contact Us

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

Flō
Email: hello@useflo.co