TalkieMoney
User Service Terms

Thank you for choosing to use the "TalkieMoney" application. Appar Technologies Co., Ltd. (hereinafter referred to as "the Company") provides the "TalkieMoney" app service (hereinafter referred to as "this Service") in accordance with these Terms of Service (hereinafter referred to as "these Terms"). To protect your rights, please read these Terms carefully. By registering and actually using this App with a user account, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree with the content of these Terms after consideration, please do not proceed with the registration process and stop using this App.

If you are under twenty years of age or are deemed by law to lack full capacity to act, please read these terms with your parent (or guardian). You may only use or continue to use this App after your parent (or guardian) has thoroughly read, understood, and agreed to these terms. The continued use of this App is an affirmation that your parent (or guardian) has consented to these terms and any subsequent modifications.

I. Content of Information Service

1. The service is planned, established, owned, and maintained by the Company, which also manages and operates the App and service platform.

2. You acknowledge the functionality of this App and, upon registering as a user, agree to receive service-related and/or commercial information for your reference through this App, which may include, but is not limited to, the following items (you may at any time stop receiving such information or emails using your mobile device or the built-in functionality of this App):

3. The App will, depending on business development and consumer demand, add, modify, or terminate related services as appropriate.

II. Personal Data Security

1. To ensure the provision of accurate and effective services, you must guarantee that all information retained when joining as a user of this App is complete, accurate, and consistent with the current situation. Should there be any changes thereafter, to safeguard your rights, you should promptly update the account information stored on this App. If you provide any incorrect or false information, in addition to bearing the losses caused by it, this App reserves the right to suspend or terminate your account and refuse your continued use of the App.
   
2. If the personal information you provide is duplicated, impersonates someone else, violates public order or morals, risks infringing on others' rights to names, company names, trademarks, or other intellectual property rights, causes misinterpretation by others, is suspected of other legal violations, or undermines the purpose of this App's services, the Company may refuse your registration or require you to correct the information to ensure accuracy, legality, and appropriateness. Furthermore, you will bear all civil and criminal liabilities arising from such actions.
3. The personal data you provide is aimed at enhancing the authenticity of user information and offering improved services and promotions. The specific purposes for which the Company (including entrusted or cooperating third parties) collects your personal data include (but are not limited to): collection, processing, and usage of personal data as required by legal obligations; matters related to contracts or quasi-contracts or other legal relations; consumer and customer management and services; marketing; information services; online shopping and other e-commerce services; supervision and management by public agencies concerning the Company's business objectives; and other operations in line with the business registration items or articles of incorporation of the Company. This App adheres to the norms of the Personal Data Protection Act of the Republic of China. Except in cases involving illegal activities, infringement, violation of these terms, or as necessary for providing the service to cooperating service providers, or with your consent, your data will only be used by the Company within the scope defined by these terms. It will not be disclosed, sold, exchanged, or rented to any third parties, units, or groups without authorization. If you do not agree to the aforementioned use of personal data, you will be unable to use this App or enjoy related rights and benefits offered by the Company or in cooperation with third parties. After agreeing to the data collection, you may still request the Company to cancel it, but you might not be able to use some or all functions of the App and may be unable to enjoy related rights and benefits offered by the Company or in cooperation with third parties.
4. When users express opinions or inquire about business matters through email or the software service mailbox, the Company will retain communication records. These records are used solely for responding to or providing the information requested by the user.
5. The personal data you provide may be processed, utilized, or transmitted within the existence period and business region of the Company (including entrusted or cooperating third parties) and its affiliate companies.

III. User Responsibilities and Obligations

1. Obligation for Accurate Information: You agree to provide correct, complete, and truthful personal information at the time of registration. The Company reserves the right to accept or reject user registrations for this software service.
2. Account Registration: The account is for the sole use of the account holder. Users are only permitted to use this App in accordance with these terms and must not illegally reproduce, distribute, sell, publicly transmit, or provide the App to third parties in any other manner.
3. Users are obligated to securely maintain their registered account, password, and other related information. Users are responsible for all activities and behaviors conducted under their registered account after logging into this App, including but not limited to any related costs incurred.
4. If users discover that their registered account's personal information is being used illegally or there is any unusual usage, they should immediately notify the Company. Users are advised to protect their personal rights through appropriate legal channels. If necessary, the Company may request users to provide relevant personal information and reserves the right to manage the usage rights of the disputed account.
5. If negligence in safeguarding the account or consenting to third-party use leads to illegal use of a user's account and password, resulting in damage to the Company or other users' rights, users are responsible for any legal and compensation liabilities.
6. From the cancellation, termination, or deletion of a user's account, all rights to use the services through that account are extinguished.
   

IV. About the Service

1. To enhance service quality and protect user rights, users of this App must agree to enable the 'microphone' and 'mobile network' functions of their mobile devices. Users bear responsibility for any harm to their own or other users' rights due to violation of these service terms, improper operation of the mobile device, or refusal to enable the aforementioned functions.

2. You are responsible for your account, which is for your personal use only and cannot be transferred, gifted, or inherited. If you decide to stop using the account, you should apply to the Company for cancellation.
3. If you fail to comply with the terms of service or instructions on the website, transaction page, or rules during the use of this App, the Company has the right to refuse to continue providing you with related software services, and the Company is not liable for any damages.

4. Any losses resulting from your negligence shall be borne by you. This includes, but is not limited to, non-compliance with the privacy policy, forgetting or disclosing your password, your password being cracked by someone else, or unauthorized access to your computer or mobile phone.

5. The App's service system regularly backs up data, but except in cases of intentional or gross negligence, the Company is not liable for any mistakes in data deletion, backup errors, or failures. The Company may also periodically delete account data that has no login records, usage records, or has been idle for too long, following a public announcement.

6. For direct or indirect damages suffered by users due to the use of this App, if such damages are attributable to the Company and are contractually or legally the Company's responsibility to compensate, the Company's liability to any user is limited to the fees collected from that user for the service instance causing the damage.

7. Any data downloaded or obtained through the use of this App is done at your own discretion and risk. You are fully responsible for any damage to your computer, mobile phone, or other device systems, or for any data loss that results from downloading such data.

V. Transactional Conduct and Credit Card Transactions

1. The Company reserves the final right to decide on all marketing promotions and discounts offered through this service.

2. In case of transaction disputes, the transaction data automatically generated in the database system of this service will be the standard for judgment. If users find any inaccuracies in transaction data, they should immediately inform the Company.

3. If a user's personal or payment data is disclosed due to their own actions, or if they fail to adequately safeguard their account usage rights, leading to impersonation by a third party, the user will bear full responsibility for the actions of the third party.

VI. Prohibition of Illegal Activities and Breach of Contract

1. When using this App's services, you must abide by the laws and regulations of the Republic of China, the laws of your country or region, and relevant international norms. Do not use the App services for any illegal purpose, nor in any unlawful manner.

2. You may not engage in actions that infringe on the legal rights of others through the App's services. If such cases occur, the Company reserves the right to refuse service, and you will bear all related legal responsibilities. If your actions cause damage to the Company or its employees, you are liable for compensation. Such actions include, but are not limited to:

A. Infringement of others' rights to reputation, privacy, trade secrets, trademarks, copyrights, patents, and other legal rights.

B. Violation of legally binding or agreed-upon confidentiality obligations.

C. Impersonation of others in using this software service.

D. Illegal use of others' bank accounts (including credit card numbers) or transactions with invalid accounts (including credit card numbers).

E. Any actions that may contain computer viruses or potentially harm the software service system or data.

F. Other behaviors deemed inappropriate by the Company with just cause.

3. You understand and agree that the Company is not liable for any damages including, but not limited to, loss of profits, goodwill, use, data, or other intangible losses (even if the Company has been advised of the possibility of such damages), resulting from:

A. The Company's right to suspend, interrupt, or terminate your access to the software service or any part thereof at its sole discretion, including but not limited to situations where the Company believes you have violated the explicit provisions or spirit of these terms, and to remove your data.

B. The Company's right to suspend or terminate the use of the account without notice in cases of abnormal transactions or suspicions of violating legal provisions or these terms.

4. When necessary, the Company may terminate the App service without prior notice and suspend, close, or delete the account and all related data and files in your account.

5. If you wish to cancel your account, after the Company approves the cancellation, it signifies the termination of the terms between you and the Company. However, you remain liable for any breach of contract or damages incurred during your use of the software service, and the Company may still retain your relevant information.

VII. Suspension or Interruption of Software Service

1. The Company may suspend or interrupt all or part of the software service in the following situations, and users are not entitled to claim compensation or reimbursement:

A. When relocating, replacing, upgrading, maintaining, or repairing the hardware and software related to this App's services.

B. If the user violates any laws, the terms of this agreement, or any agreements related to the software service.

C. Due to actions of third parties, matters beyond the Company's control, or other reasons not attributable to the Company that result in the suspension, interruption, or malfunction of the App services.

D. Natural disasters or other force majeure events leading to the suspension, interruption, or malfunction of the App services.

E. Accounts that have not been used for an extended period.

2. The Company is not liable for any damages to users due to failures, malfunctions, obstructions, abnormal operations, negligence in human operation, or any other reasons causing errors, delays, interruptions, or inability to transmit, or leading to errors in data transmission or storage, or third-party intrusions altering or forging data in the App's service. This includes faults or malfunctions in the network systems and software/hardware equipment of the Company and other cooperating manufacturers or related telecommunication providers.

3. You agree that the Company has the right, at its sole discretion, for any reason (including but not limited to inactivity for a certain period, court or government orders, discontinuation or substantial changes in the service, unforeseeable technical or security issues or problems, fraudulent or illegal activities by you, non-payment of fees, or considerations of transaction security, or any other reasons deemed by the Company as a violation of the explicit provisions and spirit of these service terms), to immediately suspend, change, restrict, delete, or terminate your account or use of the service. This may include deleting, modifying, or restricting access to user content without prior notice to the user. The Company is not liable for any loss, damage, inconvenience, or harm to users or any third party arising from this. You understand that this does not affect the Company's ability to maintain backup copies of deleted content for a reasonable time.

VIII. Limitation and Exclusion of Liability

1. You should exercise particular caution when reading or using any information from this service. The information obtained through this service does not constitute any guarantee by the Company. Opinions or information posted by third parties or users do not represent the speech, opinions, or stance of the Company, and the Company cannot guarantee their authenticity, completeness, or reliability, nor does it assume any responsibility.
2. All functionalities and services provided by this App service are offered as is. The Company makes no express or implied warranties regarding performance, speed, completeness, reliability, security, accuracy, etc.
3. The Company does not guarantee the following:

A. The service will meet your needs.

B. The service will always be secure, uninterrupted, comprehensive, timely, safe, reliable, or error-free.

C. The results obtained from using the service will be accurate or reliable.

D. Any products, services, information, or other materials you purchase or obtain through the Company will meet your expectations.

E. Emails or their content sent from the service's web pages, servers, domains, etc., will not contain computer viruses or other harmful elements.

F. Any errors in the service will be corrected.

G. The service will never change its relevant policies.

4. User content that is publicly posted or privately transmitted is the sole responsibility of the provider. The Company cannot control the user content posted via this service and does not guarantee its accuracy, completeness, or quality. You understand that by using this service, you may encounter user content that is offensive, inappropriate, or objectionable. In no event shall the Company be responsible for any user content, including but not limited to any errors or omissions, and any loss or damage of any kind incurred as a result of the use of any user content posted, emailed, or otherwise transmitted via this service.

IX. Intellectual Property Rights Protection

The software, images, programs, and all content used in this software service, including but not limited to works, images, files, information, data, arrangement, and design of the software service's screens, are legally owned by the Company or other rights holders with their intellectual property rights, including but not limited to trademark rights, patent rights, copyrights, trade secrets, and proprietary technologies. Unauthorized use, modification, reproduction, public broadcasting, adaptation, distribution, public transmission, or public presentation, decompiling, or reverse engineering is strictly prohibited. Violators will be held accountable under copyright laws and other relevant legal provisions, in addition to being liable for damages to the Company.

X. Notifications

When legally required or as per relevant regulations, the Company may notify you, including but not limited to, through email, regular mail, SMS, MMS, text messages, posting announcements on the service, or other reasonable methods currently or in the future, including changes to these service terms. Unauthorized access to the service will not receive such notifications, and the Company has no obligation to notify in such cases. Your authorized access and agreement to these service terms constitute your consent to accept any and all such notices from the Company as duly delivered.

XI. Entire Agreement

These terms of service constitute the complete agreement between you and the Company, superseding all prior and current communications and proposals, whether electronic, oral, or written. All explanations of these terms in their printed version are admissible in any arbitration or litigation related to these terms and have the same legal effect as the original records.

XII. Governing Law and Jurisdiction

Any disputes arising from the use of this software service with the Company shall be governed by the laws of the Republic of China. Users agree that the Taipei District Court in Taiwan shall be the court of first instance jurisdiction.

XIII. Miscellaneous

Users agree that any matters not covered by these terms shall be handled in accordance with the relevant provisions and explanations provided by the Company on its website.

XIV. Announcements and Changes to the Service Content

The Company reserves the right to modify these terms and service content at any time. Such modifications become effective when announced on the relevant web pages and if users continue to use the software after such announcements.