TERMS OF USE

Last Revised on 24 Feb 2026

These Terms of Services (“Terms”) govern your use of the mobile application and service (collectively, the “Services”) provided by Growtrics Pte Ltd (hereinafter known as “us”, “we”, “our”, the “Company” or “Growtrics”) and are between you and Growtrics, or between you and any different service provider identified by Growtrics.

1. Acceptance of Terms Of Use

By creating an account with Growtrics or by using any portion of the Services provided by Growtrics in any manner and for any purposes, including but not limited to visiting or browsing the services, you agree to be bounded by (i) these Terms of Use, (ii) Our Privacy Policy, and (iii) any disclosed terms for the purchase of additional features, products, and services offered by the Services (collectively, this “Agreement”). If this Agreement is entered for and on the behalf of a business, the term “you” in this Agreement shall imply the business entity on whose behalf you are using the Services, unless the context does not permit.

We reserve the right to amend this Agreement at any time and at our discretion. Such changes will be reflected by the amendment of the “Last Updated” date of this Agreement. You will be deemed to have been made aware, will be subjected to, and will be deemed to have accepted the changes in any revised Agreement by continued usage of our Services after the date of revision.

2. Account

You may use your Facebook account or email account to sign in to your Growtrics account (the “Account”) so as to use part of the Services. In doing so, you authorise us to access and use information accessible from your Facebook, Google account (if you are signing in with a Gmail account), or other email accounts including, but not limited to your public profile. You are strongly encouraged to review our Privacy Policy to better understand how we collect, use and disclose information collected and received from you.

When you create an Account, you represent and warrant that:

(i) if you are an individual, you are at least 21 years old of age, or if you are under 21 years of age, that you are using the Services with the consent of and under the supervision of your parent or legal guardian who shall be responsible for your activities,

(ii) if you are representing a company, organisation or any other legal entity (the “Entity”), that you have the authority to bind the Entity to these Terms,

(iii) you are capable of entering into and performing legally binding contracts under applicable laws,

(iv) all information that you have provided is accurate, up to date, complete and not misleading in any manner.

(v) you agree to comply with Growtrics’s policies and guidelines (as found in these Terms) and all applicable laws with respect to your activities and the Content which you submit or upload to the Services.

You are solely responsible for: (i) all activities and transactions occurring under your account, including but not limited to activities on and off the Services, (ii) keeping your password secure and preventing your Account from being misappropriated or used by a third party, and (iii) keeping your account up to date. If you think that someone has gained access to your account, please immediately contact us. You shall not: (i) set up multiple accounts without explicit consent from us, (ii) lend, transfer or sell your Account or User ID to another party and (iii) must not use another user’s Account without their permission.

3. Content & Rights You Grant Growtrics

The Services allow users to create answer workings and consume content (created by Growtrics or otherwise), such as questions, solutions, videos, insights, data, text, links and other information (collectively, the “Content”).

When you create an Account, you retain ownership rights in the Content which you submit or upload to the Services, but you grant Growtrics a worldwide, transferrable, sub-licensable, and royalty-free right and license to host, store, use, copy, display, reproduce, adapt, edit, publish, modify and distribute such Content as well as information that you have authorised us to access from Facebook and Google (subject to our Privacy Policy) for the purposes of operating, developing, providing, promoting, commercialising and improving the Services, and to research and develop new products and services. Growtrics’s license to your Content shall be non-exclusive, except that Growtrics’s license shall be exclusive with respect to any derivative work created through use of the services.

You agree that you are solely responsible for the Content which you create on the Services and any unfavourable outcomes or adverse effects which you sustain as a result of such Content is solely your responsibility.

You agree to any Content that you have submitted, uploaded, or shared, could be viewed by other users and any person visiting or participating in the Services. We shall have the right (but not the obligation) to monitor, review, refuse, delete in part or in whole, or move any Content that is available on the Services at our sole discretion, for purposes including but not limited to removing content in violation of this Agreement or which harms the reputation of the Services. We shall have the rights to remove Content from the Services, without liability or the obligation to offer a refund.

We may also block Content to or from the Services in order to protect the Services or users, or to otherwise enforce these terms.

We cannot guarantee that all Content will comply with this Agreement. If you see Content on the Service that violates this Agreement, please report it within the Service or via our email.

You agree that Growtrics can access, preserve or disclose your account information and Content if required by law or in good faith belief that doing so is reasonably necessary in order to (i) comply to legal process, (ii) enforce the Agreement, (iii) respond to claims that any content violates the rights of third parties, (iv) in response to your requests for customer service and (v) to protect the right, property or personal safety of the Company or any other person.

4. Rights Growtrics Grants You & User Conduct

We grant you a limited, non-exclusive, revocable and non-sublicensable license to use the Services as intended by us and permitted by the Agreement. You shall use the Services in accordance to these terms and shall not:

Submit or upload any Content that violates or infringes another party’s rights of publicity, privacy, copyright, trademark or any other intellectual property rights.
Copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, decrypt, interfere with, or disrupt the integrity or the performance of the Services.
Modify, transmit, create any derivative works from, make use of, or reproduce in any way any copyrighted material, images, trademarks, trade names, service marks, or other intellectual property, content or proprietary information accessible through the Services.
Conduct illegal, harmful or nefarious activity through the use of the Services.
Use the Services in a way that damages or might damage our reputation.
Use the Services in violation of or to circumvent any sanctions or embargo or commit any act to avoid paying any applicable fees and/or charges.
Remove, alter or obscure any proprietary notice (including any notice of copyright and trademark) of us or our affiliates, partners, suppliers or licensors.
Use the Services for any purpose for which it is not designed or intended, or which could interfere with, disrupt or negatively affect the Services.
Use the Services to create or promote a product, service or software that is, directly or indirectly, competitive with or in any way a substitute for the Services.
Use the Services to communicate any Content which is offensive, indecent, threatening, abusive, insulting, harassing, defamatory, libellous, deceptive, fraudulent, tortious, obscene, profane, invasive of another person’s privacy, or racially, ethnically or otherwise objectionable.
Use the Services to send automated, unsolicited or unauthorised messages, advertising or promotional material or any junk mail, spam or chain letters.
Submit or upload to, or transmit through the Services any data, file, software or link that contains or redirects to a virus, Trojan horse, worm or other harmful components.
Use any scraper, robot, bot, spider, crawler or any other automated device or means to access, acquire, copy or monitor any portion of the Services, or any data or content found or access through the Services.
Collect any information in respect of other users without their consent.
Express or imply that any statements you make are endorsed by Growtrics.
Upload viruses or other malicious code or otherwise compromise the security of the Service.
Use, access, or publish our application programming interface without our written consent.
Probe, scan or test the vulnerability of our Services or any system or network.
Use or develop any third-party applications that interact with the Service or other users’ Content or information without our written consent.
Spam or defraud other users.
Impersonate, intimidate, assault, harass, mistreat or defame any person.
Solicit passwords, use another person's account or create another account if your account is terminated by the Company
Authorise or encourage anyone to do any of the foregoing.

We only provide a platform for users to practice assessments and learn. The pre-screening of the users and materials uploaded are limited. Hence, you agree that Growtrics has no control over and is not responsible for or liable for any of the following:

The true identity of other users.
Any Content posted by users.
The truth and accuracy of the Content.

Hence, you agree that your use of the Services and interactions shall be conducted entirely at your own risk, and Growtrics is not liable to pay for any unfavourable outcome or adverse effect. We will not be held liable for any losses or damages incurred by you and we will not be held responsible or obliged to obtain for you any compensation for any damages or losses you may have incurred.

We may reserve the rights to investigate and take any available legal action in response to illegal and/ or unauthorized uses of the Service, including termination of your account, without obligation of refund on any purchases. Failure to do so will not constitute a waiver of the aforementioned rights. In the event of suspicious activities, such as but not limited to, the creation and use of bots to interact with the Services, regardless manually or automated, without explicit consent from the Company will result in immediate termination, and possible legal repercussions.

5. Intellectual Property

You acknowledge and agree that the Services and all copyright, patents, trademarks, trade secrets and other intellectual property rights associated therewith are, and shall remain, the property of us. Furthermore, you acknowledge and agree that the source, digital asset, and object code, as well as the questions, solutions, videos, insights, data, text, links and other information of the Services are the intellectual property and proprietary and confidential information of us. You are not granted any intellectual property rights in and to the Services not expressly granted in these Terms and such rights are hereby reserved and retained by us.

You are not authorised by us to use our trademarks or content in any advertising, publicity or in any other commercial manner without the prior written consent of us, which may be withheld for any or no reason.

6. Advertiser Relationship & Third Party Services

You acknowledge and agree that we, our affiliates, and our third-party partners may place advertising on the Services. However, we are not responsible for the availability of websites and resources associated with any promotion or advertisement, or for any interaction with any third parties. We are not responsible or liable for any advertised terms and actions. You agree that your relationship with any third parties will be governed entirely by their terms.

We reserve the right to delegate, sub-contract or otherwise arrange for any related corporations, service providers, partners, subcontractors and/or agents to perform any part of the Services as we deem appropriate.

7. Purchases & Payment Policy

We may offer products and services within the Services for purchase through an online payment processing platform including but not limited to Airwallex. If you choose to purchase a subscription, you will be prompted to confirm with your payment provider and your method of payment will be charged at prices displayed on the Services as well as any sales or similar taxes that may be imposed on your payments, and you authorize us or the third party account, as applicable, to charge you.

In using the Services and making any purchase within the Services, you acknowledge and agree that all purchases are final, non-refundable and non-exchangeable. We are under no obligation to refund any purchases for any reason. The refund of any purchase is by our sole discretion and does not in any way constitute a waiver of these terms. For the avoidance of doubt, there will be no refunds of any purchases in the event that: (i) your Account is suspended or terminated due to a breach of these Terms; and/or (ii) any Content has been removed in accordance with these Terms.

You may choose to edit your method of payment by accessing the application’s settings and changing your membership information.

You acknowledge and agree that:

You shall make prompt payment of all fees, in full before the due date stipulated by us for such payment (where applicable) and in accordance with our payment instructions. In the event of late payment or non-payment of amounts due to Growtrics, without prejudice to any other rights or remedies available to us, we shall be entitled to terminate and/or suspend your Account and/or your access to the Services.
In the event your Account is suspended or terminated for any reason any amounts due on your Account will immediately become due and payable. We reserve the right to immediately charge any amounts you have not previously disputed to the billing method that you are using and shall be entitled to terminate your Account, without prejudice to any other rights or remedies available to us.
For any unsuccessfully settled payments due to reasons such as insufficient funds, you are responsible for paying all uncollected amounts, including any legal fees or collection cost incurred by us in collecting any past due amounts.

From time to time, you may be able to purchase a limited, personal, non-transferable, non-sublicensable, revocable license as subscriptions (collectively, “Monthly Credits”). Any time remaining in your subscription does not constitute a real-world balance or reflect any stored value, but instead constitutes a measurement of the extent of your license.

The license granted to you for monthly subscription shall terminate in accordance with the terms of this Agreement when we cease to provide the Services or when your account is closed or terminated. Paid features are not permanent and we do not warrant the continued existence of these features. We may manage, regulate, control, modify or eliminate subscription details at any time and have no liability to you or any third party when exercising these rights.

8. Termination Policy & Modifying the Services

You may terminate your Account at any time, for any reason. If you use a third party payment account, you will need to manage purchases through such accounts to avoid further billings. You agree that your Account and access to the Services may be suspended or terminated by us at any time, without prior notice, for any reason, including but not limited to a breach of terms, guidelines, any additional terms and conditions and policies. When your Account has been terminated, any information associated with the Account and its associated Content will be lost. After your Account has been terminated, all licenses and rights granted in the Terms cease, and this Agreement will terminate.

In our continued effort to improve the Services, we will from time to time add, improve on and change services and product features within the Services. If these changes do not affect your rights or obligations, no notice may be provided. We may also suspend the part or whole of the Services, and will do our best to notify you unless extenuating circumstances prevents so. We reserve the right to change, modify, suspend or discontinue, temporarily or permanently, whole or part of the service at any time for any reason, without advance notice, without the liability to offer any refund or compensation for any loss or damages incurred.

9. Compatibility

We do not warrant that the Services will be compatible or interoperable with your device or any other piece of hardware, software, equipment or device installed on or used in connection with your device. Furthermore, you acknowledge that compatibility and interoperability problems can cause the performance of your device to diminish. You acknowledge and agree that we and our subsidiaries, affiliates, partners, suppliers and licensors shall have no liability to you for any losses suffered resulting from or arising in connection with compatibility or interoperability problems.

10. Disclaimer and Limitation of Liabilities

You acknowledge and agree that the Services are provided on an “as is” and “as available” basis, and that your use of or reliance upon the Services and any content, products or services accessed or obtained thereby is at your sole risk and discretion.

We do not represent or warrant that: (a) the use of the Services will be secure, timely, uninterrupted or error free or that they will be compatible or operate in combination with any other hardware, software, system or data; (b) the Services will meet your requirements or expectations; (c) errors or defects in the Services will be corrected; (d) the Services and Growtrics’s servers are free of viruses or other harmful components; or (e) any content or information you obtain or through the Services will be accurate.

All conditions, representations and warranties, whether express, implied, statutory or otherwise, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement, are hereby excluded and disclaimed to the fullest extent permitted under the law.

The Services may be subject to limitations, delays, and other problems inherent in the use of the Internet and electronic communications (including problems inherent to the computer or electronic device you use). We are not responsible for any delays, delivery failures, damages, or losses resulting from such problems.

No advice or information, whether oral or written, obtained by you from us or from the Services shall create any representation, warranty or guarantee. Furthermore, you acknowledge that we have no obligation to support or maintain the Services.

We disclaim any and all liability or responsibility in relation to the content made available through the Services, including but not limited to the Content uploaded by users or the third party content and services. We are not responsible or liable in any manner for the third party content and services associated with or utilized in connection with the Services, including the failure of such third party content and services.

You acknowledge and agree that your only right with respect to any problems or dissatisfaction with the Services is to request for termination of your account and/or discontinue any use of the Services.

To the fullest extent permitted by applicable law, in no event shall we, our affiliates, employees, licensors or service providers be liable for any indirect, consequential, exemplary, incidental, special, punitive, or enhanced damages, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from: (i) your access to or use of or inability to access or use the Services, or (ii) the conduct or content of other users or third parties on, through or following use of the Services. Notwithstanding the foregoing, in no event shall our aggregate liability to you for any and all claims arising out of or relating to the Services or this Agreement exceed the amount paid, if any, by you to us during the twenty-four (24) month period immediately preceding sentence applies (i) regardless of the ground upon which liability is based (whether default, contract, tort, statute, or otherwise, (ii) irrespective of the type of breach of obligations, and (iii) with respect to all events, the Services, and this Agreement. The limitation of liability provisions set forth in this section shall apply even if your remedies under this Agreement fail with respect to their essential purpose.

11. Indemnity

You agree, to the extent permitted under applicable law, to indemnify, defend and hold harmless us, our affiliates, and their and our respective officers, directors, agents, and employees from and against any and all complaints, demands, claims, damages, losses, costs, liabilities and expenses, including solicitors/ attorney’s fees, due to, arising out of, or relating in any way to your access to or use of the Services, your Content, any use of your Account, your breach of this Agreement, your breach of any statutory requirement, duty or law; or your violation of any rights of another person or entity.

12. Governing Law

You hereby agree that the laws of Singapore shall govern this Agreement and that the courts of Singapore shall have non-exclusive jurisdiction over any dispute arising out of or in connection with this Agreement.

13. Entire Agreement

This Agreement, along with the Privacy Policy, and any terms disclosed to you if you purchase or have purchased additional features, products or services we offer on the Service, contains the entire agreement between you and us regarding your relationship with us and your use of the Services. The failure of us to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. No agency, partnership, joint venture, fiduciary or other special relationship or employment is created as a result of this Agreement and you may not make any representations on behalf of or bind us in any manner.