End-User Licence Agreement

1. Introduction

This End-User Licence Agreement ("Agreement") is a legal contract between you ("User") and Experience Zeno Pte. Ltd. ("Zeno", "we", "us", or "our") regarding your use of the Zeno mobile and web platform, including all associated services, features, and content.

By accessing or using the Zeno platform, you acknowledge that you have read, understood, and agree to be bound by this Agreement, our Privacy Policy, and any other applicable terms. If you do not agree, you must not access or use the platform.

2. Nature of the Platform

Zeno operates as a technology intermediary that facilitates wallet top-ups, merchant transactions, and loyalty rewards management between users and merchants.

All payment processing is handled exclusively by third-party payment service providers ("PSPs"). Zeno does not process, receive, hold, or control any funds related to transactions.

3. User Accounts

To access certain features of the platform, you must register and create an account. You agree to:

• Provide accurate, current, and complete registration information
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorised access or suspected breach
• Accept responsibility for all activities conducted through your account

Zeno reserves the right to suspend or terminate access for suspected misuse, fraud, or agreement violations at its sole discretion.

4. Wallet Top-Ups and Payments

Wallet top-ups and payment transactions are processed exclusively through third-party PSPs. Zeno:

• Does not process, receive, or control any funds related to your transactions
• Is not responsible for PSP processing delays, failures, or insolvency
• Does not handle refunds or dispute resolution — these are managed by the respective PSPs

By initiating a transaction, you agree to the terms and conditions of the applicable PSP, which are separate from this Agreement.

5. Rewards Management

Loyalty rewards, EXP points, and other incentives displayed on the platform are issued by merchants and managed by Zeno's technology infrastructure.

• Rewards are non-transferable and hold no monetary value outside the platform
• Zeno neither issues nor guarantees the availability or continuity of any rewards
• Disputes relating to rewards should be directed to the issuing merchant
• Merchants may modify or discontinue their rewards programmes at any time

6. Licence to Use

Subject to your compliance with this Agreement, Zeno grants you a limited, revocable, non-exclusive, and non-transferable licence to access and use the platform for lawful personal purposes.

You must not:

• Copy, reproduce, modify, or distribute any part of the platform
• Reverse-engineer, decompile, or attempt to extract the source code
• Use automated tools, bots, or scrapers to access the platform
• Use the platform for fraudulent, illegal, or unauthorised purposes
• Circumvent or disable any security or access-control features

7. No Custody or Financial Responsibility

Zeno expressly disclaims liability for:

• Delays or failures in fund transfers caused by PSPs
• Financial loss resulting from PSP insolvency or service interruption
• Unauthorised access to your account due to your failure to secure credentials

8. Data Protection and Privacy

Zeno operates in compliance with Singapore's Personal Data Protection Act 2012 ("PDPA"). Your personal data is collected, used, and protected as described in our Privacy Policy, which forms part of this Agreement.

Payment information, including card numbers and bank details, is handled exclusively by PSPs under their own applicable compliance obligations. Zeno does not store or process such payment data.

9. Disclaimers and Limitation of Liability

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

To the maximum extent permitted by applicable law, Zeno shall not be liable for any indirect, consequential, incidental, special, or punitive damages, including loss of profits, data, or goodwill, arising from or in connection with your use of the platform.

10. Indemnification

You agree to indemnify, defend, and hold harmless Experience Zeno Pte. Ltd. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use or misuse of the platform
• Your breach of this Agreement
• Your violation of any applicable law or regulation
• Any dispute between you and a merchant or PSP

11. Termination

Zeno may suspend or terminate your access to the platform at any time, with or without notice, for conduct that violates this Agreement or any applicable law. Upon termination, all licences granted herein shall immediately cease.

You may terminate your account at any time by contacting us at server@expzeno.com. Termination does not affect any rights or obligations accrued prior to termination.

12. Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of Singapore. Any disputes arising from or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of Singapore.

13. Amendments

Zeno may update or modify this Agreement at any time by posting the revised version on the platform with an updated "Last updated" date. Continued use of the platform following any such changes constitutes your acceptance of the updated Agreement.

We encourage you to review this Agreement periodically to stay informed of any updates.

14. Contact Information

If you have questions or concerns regarding this Agreement, please contact us:

Experience Zeno Pte. Ltd.
Email: server@expzeno.com