Terms of Use

These Terms apply to your use of the Fiflab website and services. By accessing and using the Website or Services:

• You agree to these Terms; and
• Where your access and use is on behalf of another person (e.g. a company), you confirm that you are authorised to, and do in fact, agree to these Terms on that person's behalf and that, by agreeing to these Terms on that person's behalf, that person is bound by these Terms.

If you do not agree to these Terms, you are not authorised to access and use the Website or Services, and you must immediately stop doing so.

We may change these Terms at any time by updating them on the Website. Unless stated otherwise, any change takes effect immediately. You are responsible for ensuring you are familiar with the latest Terms. By continuing to access and use the Website or Services, you agree to be bound by the changed Terms.

We may change, suspend, discontinue, or restrict access to the Website or Services without notice or liability.

These Terms were last updated on 01 February 2026.

In these Terms:

including and similar words do not imply any limit

Loss includes loss of profits, savings, revenue or data, and any other claim, damage, loss, liability and cost, including legal costs on a solicitor and own client basis

personal information means information about an identifiable, living person, and includes personal data, personally identifiable information and equivalent information under applicable privacy and data protection laws

Services means the WhatsApp AI assistant services, including but not limited to appointment booking, customer conversations, broadcast messaging, and calendar integration

Terms means these terms and conditions titled Terms of Use

Underlying System means any network, system, software, data or material that underlies or is connected to the Website or Services

User ID means a unique name and/or password allocated to you to allow you to access certain parts of the Website or Services

We, us or our means Studykay Pte. Ltd.

Website means www.studykay.com and all associated subdomains

You means you or, if clause 1.1b applies, both you and the other person on whose behalf you are acting.

Fiflab provides a WhatsApp AI assistant platform that enables businesses to:

• Automate customer conversations through AI-powered responses
• Book appointments and manage calendars
• Send broadcast messages and promotions
• Handle callback requests and reminders
• Integrate with Google Calendar and other third-party services

To use our Services, you must create an account by providing accurate and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring your WhatsApp number is properly linked and authorized

Our Services operate on a credit-based pricing model. Credits are consumed for:

• Successful appointment bookings (3 credits)
• Callback requests (2 credits)
• Confirmed appointment reminders (1 credit)

Credits are purchased through top-up packages and do not expire. You are responsible for maintaining sufficient credits to use the Services. We may provide grace credits at our discretion, which must be replenished before normal service resumes.

Payments are processed through Stripe. By making a payment, you agree to Stripe's terms and conditions. All prices are in Singapore Dollars (SGD) and are subject to change.

For information about refunds, please refer to our Refund Policy.

You warrant as follows:

• You will provide authentic and true information in all instances where such information is requested of you. We reserve the right to confirm and validate the information and other details provided by you at any point of time.
• That you are accessing the Services at your sole risk and are using your best and prudent judgment before using our Services.
• You shall at all times ensure full compliance with various laws regarding your use of our Services, including but not limited to WhatsApp's Terms of Service.
• You shall not use our Services to send spam, unsolicited messages, or violate any applicable communication laws.
• You are responsible for the content of messages sent through our AI assistant and for training your AI assistant appropriately.

You shall not:

• Use our Services for any illegal or unauthorized purpose
• Send messages that are threatening, false, misleading, inflammatory, libellous, invasive of privacy, obscene, pornographic, abusive, or discriminating
• Attempt to gain unauthorized access to our systems or networks
• Use any automated means to access the Services except through our provided interfaces
• Interfere with or disrupt the Services or servers
• Reverse engineer or attempt to extract source code from our software
• Use the Services to compete with us or to build a similar product
• Remove or alter any proprietary notices from our Services

We (and our licensors) own all proprietary and intellectual property rights in the Website and Services (including all information, data, text, graphics, artwork, photographs, logos, icons, sound recordings, videos and look and feel), and the Underlying Systems.

You retain all rights to your customer data, conversation content, and business information. By using our Services, you grant us a limited license to process this data solely for the purpose of providing the Services to you.

To the extent permitted by law, we and our licensors have no liability or responsibility to you or any other person for any Loss in connection with:

• The Website or Services being unavailable (in whole or in part) or performing slowly;
• Any error in, or omission from, any information made available through the Website or Services;
• Any inaccuracies or errors in AI-generated responses;
• Any downtime or issues with WhatsApp's platform or third-party integrations;
• Any exposure to viruses or other forms of interference;
• Any site or service linked from our Website.

To the maximum extent permitted by law:

• You access and use the Website and Services at your own risk; and
• We are not liable or responsible to you or any other person for any Loss under or in connection with these Terms, the Website, the Services, or your access and use of (or inability to access or use) the Website or Services.

Except to the extent permitted by law, nothing in these Terms has the effect of contracting out of any applicable consumer protection law that cannot be excluded. To the extent our liability cannot be excluded but can be limited, our liability is limited to SGD 100.

Without prejudice to any other right or remedy available to us, if we consider that you have breached these Terms or we otherwise consider it appropriate, we may immediately, and without notice, suspend or terminate your access to the Website or Services (or any part of it).

On suspension or termination, you must immediately cease using the Website and Services and must not attempt to gain further access.

You may terminate your account at any time by contacting us. Upon termination, you will not be entitled to a refund of any unused credits unless otherwise specified in our Refund Policy.

These Terms, and any dispute relating to these Terms or the Website or Services, are governed by and must be interpreted in accordance with the law of Singapore. Each party submits to the non-exclusive jurisdiction of the Courts of Singapore in relation to any dispute connected with these Terms, the Website, or the Services.

If any part or provision of these Terms is or becomes illegal, unenforceable, or invalid, that part or provision is deemed to be modified to the extent required to remedy the illegality, unenforceability or invalidity. If a modification is not possible, the part or provision must be treated for all purposes as severed from these Terms. The remainder of these Terms will be binding on you.

For questions about these Terms, please contact us at: