📜 Terms and Conditions for Clinkies

1. Agreement to Terms

By downloading, installing, or using the Clinkies mobile application ("App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the App.

2. Eligibility

To use the App, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the App under applicable laws
• Complete our identity verification (KYC) process where required

3. Account Registration

3.1 Account Creation

You must register for an account to use certain features of the App. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access

3.2 Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from unauthorized use of your account.

4. Identity Verification (KYC)

4.2 Accuracy of Information

You warrant that all information and documents provided during verification are authentic, accurate, and belong to you.

5. Services Description

Clinkies provides:

• Digital wallet services
• Peer-to-peer payment transfers
• Transaction history and management
• Push notifications for transactions
• Other financial technology services

6. Permitted Use

You agree to use the App only for lawful purposes.

7. Transactions

7.1 Transaction Processing

• Transactions are processed in real-time where possible
• We reserve the right to delay or refuse transactions for security reasons
• Transaction limits may apply based on your verification level

7.2 Transaction Fees

• Applicable fees will be disclosed before you confirm a transaction
• Fees are non-refundable once a transaction is completed

7.3 Transaction Disputes

• Disputes must be reported within 30 days of the transaction
• We will investigate and resolve disputes according to our policies

8. Intellectual Property

8.1 Our Rights

The App, including all content, features, and functionality, is owned by Clinkies and protected by intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes.

8.3 Restrictions

You may not:

• Copy, modify, or distribute the App
• Reverse engineer or decompile the App
• Remove any proprietary notices
• Use our trademarks without permission

9. Privacy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

10. Push Notifications

By using the App, you consent to receive push notifications regarding:

• Transaction alerts and confirmations
• Security notifications
• Account updates
• Promotional offers (which you can opt-out of)

11. Third-Party Services

The App may integrate with third-party services including:

• Firebase (Google) for authentication and notifications
• Pusher for real-time messaging
• Payment processors for transactions

Your use of these services is subject to their respective terms and policies.

12. Disclaimers

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLINKIES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from unauthorized access to your account
• Any amount exceeding the fees paid by you in the past 12 months

14. Indemnification

You agree to indemnify and hold harmless Clinkies, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any third-party rights

15. Termination

15.1 By You

You may terminate your account at any time by contacting us or using the in-app account deletion feature.

15.2 By Us

We may suspend or terminate your account if you:

• Violate these Terms
• Engage in fraudulent or illegal activities
• Fail to complete required verification
• At our sole discretion for any reason

15.3 Effect of Termination

Upon termination:

• Your access to the App will be revoked
• Any pending transactions may be cancelled
• We may retain your data as required by law

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions.

17. Dispute Resolution

17.1 Informal Resolution

Before filing any claim, you agree to first contact us to attempt to resolve the dispute informally.

17.2 Arbitration

Any disputes that cannot be resolved informally shall be settled by binding arbitration in accordance with applicable arbitration rules.

18. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes through:

• In-app notifications
• Email to your registered address
• Posting on our website

Your continued use of the App after changes constitutes acceptance of the modified Terms.

19. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

20. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Clinkies regarding the App.