Terms & Privacy

TERMS OF SERVICE

Introduction

Affairs Living (www.affairs.sg) is a website and mobile application (collectively, the “Platform”) operated by Affairs Living Pte Ltd (Singapore Company Registration 201319753W) (the “Owner”). The Owner, including subsidiaries and affiliates (or "we" or "us" or "our") provides the information contained on this Platform or any of the pages comprising the Platform to visitors ("Visitors") (cumulatively referred to as "you" or "your" hereinafter) subject to the terms and conditions set out in these Platform terms and conditions, the privacy policy and any other relevant terms and conditions, policies and notices which may be applicable to a specific section or module of this Platform. Please read this agreement carefully. By browsing, accessing, downloading or using this Platform, or by using any facilities or services made available through it or by transacting through or on it, you are agreeing to the terms and conditions that appear below (all of which are called the "Agreement"). This Agreement is made between you and us.

Platform Availability

• Affairs Living may suspend the Platform for any reason whatsoever, including but not limited to repairs, planned maintenance or upgrades, and shall not be liable to you for any such suspension.

• Affairs Living reserves the right to make any changes to the Platform or to discontinue any aspect or feature of the Platform without notice.

• In the event that Affairs Living, in its sole discretion, considers that you are making any illegal and/or unauthorised use of the Platform, and/or your use of the Platform is in breach of these Terms, Affairs Living reserves the right to take any action that it deems necessary, including terminating without notice your use of the Platform and, in the case of illegal use, instigating legal proceedings.

Your Status

By placing an order to purchase Products (Order) through the Platform, you warrant that:

• You are legally capable of entering into binding contracts; and

• You are at least 18 years old.

The Contract Between You and The Partner

After placing an Order, you will receive an email from Affairs Living acknowledging that Affairs Living has received your order. Please note that this does not mean that your Order has been accepted. Your Order constitutes an offer to Affairs Living to buy a Product from the third party that offers the Product for sale via the Platform (the Partner). All orders are subject to acceptance by the Partner, and the Partner will confirm such acceptance to you by sending you an email that confirms that the Product has been dispatched (the Dispatch Confirmation). The contract between the Partner and you (Contract) will only be formed when the relevant Partner sends you the Dispatch Confirmation.

Each Contract relates only to those Products whose dispatch the Partner has confirmed in the Dispatch Confirmation. The Partner shall not be obliged to supply any other Products which may have been part of your Order until the dispatch of such Products has been confirmed by way of a Dispatch Confirmation.

For the avoidance of doubt, your contract with Affairs Living relates only to your use of the Platform and the Services available therein.

Credit Card Payment

In a credit card transaction, you must use your own credit card. We will not be liable for any credit card fraud. The liability to use a card fraudulently will be on the user and the onus to 'prove otherwise' shall be exclusively on the user.

Trademarks

The trademarks, names, logos and service marks (collectively "trademarks") displayed on this Platform are registered and unregistered trademarks of the Owner and the suppliers of the products listed on the Platform. Nothing contained on this Platform should be construed as granting any licence or right to use any trademark without the prior written permission of the Owner.

External Links

External links may be provided for your convenience, but they are beyond the control of the Owner and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk. When visiting external links you must refer to that external website's terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to this Platform without the express prior written permission of the Owner. Please contact us at askme@affairs.sg if you would like to link to this Platform or would like to request a link to your website.

Specific Use

You further agree not to use the Platform to send or post any message or material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive, profane, pornographic or violates any applicable law and you hereby indemnify the Owner against any loss, liability, damage or expense of whatever nature which the Owner or any third party may suffer which is caused by or attributable to, whether directly or indirectly, your use of the Platform to send or post any such message or material.

Affairs Living Refund Policy

Defective products must be returned in original packaging within 1 day from receiving the item (excluding display set items or clearance goods). Products returned by you because of a defect will be refunded in full, including a refund of any standard delivery charges for sending the item to you and the cost incurred by you in returning the item to us. Affairs Living will not refund used products. Customers may have your refund credited back in accordance with the original payment mode.

Disclaimer of Liability

The Owner shall not be responsible for and DISCLAIMS all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the Platform, any information contained on the Platform, your or your company's personal information or material and information transmitted over our system. In particular, neither the Owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any share price information or the transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.

User of the Platform

The Owner does not make any warranty or representation that information on the Platform is appropriate for use in any jurisdiction (other than Singapore). By accessing the Platform, you warrant and represent to the Owner that you are legally entitled to do so and to make use of information made available via the Platform.

No Commercial Use

This Platform is for your personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, commercially exploit, create derivative works from, transfer, or sell any content, software, products, or services contained within this site. You may not use this site, or any of its content, to further any commercial purpose, including any advertising or advertising revenue generation activity on your own site.

Visitor Registration

Visitors will need to register with the Platform in order to use some of the services or features made available on this Platform. When you register, you are required to provide information about yourself that is true, accurate, current and complete in all respects. Should any of your registration information change, please notify us immediately either using the Platform’s automated service, or via e-mail at askme@affairs.sg. We may change registration requirements from time to time.

Order Rules & Non-Acceptance

We can refuse to accept or fulfil any order in our absolute discretion, including, without limitation, if:

• There is a pricing or description error when the order is placed which is obvious and unmistakable and could have reasonably been recognised as a mis-pricing;

• Your payment is refused;

• We do not have sufficient stock to deliver the product you have ordered;

• We do not deliver to the area in which your delivery address is located;

• It is not possible or practical for us to deliver to, or we have any other concerns with, the delivery address that you have given us; and/or

• The product you are attempting to order is not available for sale through the Platform and/or by phone. Some of our products are only available at shops and other outlets but are displayed on the Platform to show the completeness of our range.

If we refuse to accept an order, we will not be obliged to offer any compensation for loss or disappointment suffered by you. You may be liable to pay us extra delivery charges if:

• You attempt to change the delivery address after the product has been dispatched to you; and/or

• You fail to notify us of special circumstances which are relevant to your delivery.

Although we will endeavour to do so, we cannot guarantee that we will be able and reserve the right to refuse in our sole discretion to:

• Relocate any of your existing furniture at the delivery address (and any such request for us to do so is at your own risk); and/or

• Deliver the product to a precise location within the premises at the delivery address.

We, Affairs Living Pte Ltd and the officers, directors, employees, shareholders or agents of us or any of them will not be liable, whether in contract, tort (including negligence) or for breach of statutory duty or in any other way in connection with these Terms and Conditions for:

• Any indirect, punitive or consequential loss or damages;

• Any loss arising from or in connection with loss of income, profits, goodwill, data, contracts, use of money or business interruption;

• Any loss arising from your use of the Platform, including, without limitation, in connection with the use, inability to use or the results of use of the Platform, any websites or applications linked to the Platform or the material on such services;

• Any loss arising from failure to use the products in a normal and proper manner or through altering or modifying the products, failure to follow our and/or the manufacturer’s instructions or using the products in a careless or negligent manner; and/or

• Any failure to perform any obligation owed to you under these Terms and Conditions, including, without limitation, any failure to deliver or delay in delivering products, due to any event or circumstance beyond our reasonable control.

Colour Disclaimer

Due to the limitations and relative inconsistencies of various display monitors and screens, the colors you see on your screen may not be a totally accurate reproduction of the actual product. We strive to make our colors as accurate as possible, but screen images are intended as a guide only and should not be regarded as absolutely correct. If you would like to see a sample of any product shown on our site, please email us at askme@affairs.sg.

GST

All product prices on the Platform are inclusive of GST. On the product pages of the Platform, the product prices are exclusive of any delivery charges, which are added in the shopping basket and check out section of the Platform.

General Legal Provisions

• Entire Agreement: These terms and conditions constitute the sole record of the agreement between you and the Owner in relation to your use of the Platform.

• Alteration: The Owner may at any time modify any relevant terms and conditions, policies or notices. You shall be responsible for reviewing the then current version each time you visit or use the Platform.

• Conflict: Where any conflict or contradiction appears between the provisions of these terms and conditions and any other relevant policies, the specific section policy shall prevail.

• Severability: Any provision of these terms which is or becomes unenforceable in any jurisdiction shall, in such jurisdiction only and only to the extent that it is so unenforceable, be treated as pro non scrip to and the remaining provisions shall remain in full force and effect.

• Applicable Law: Any relevant terms and conditions, policies and notices shall be governed by and construed in accordance with the laws of Singapore. You hereby consent to the exclusive jurisdiction of the courts of Singapore in respect of any disputes.

PRIVACY POLICY

Our Commitment

Affairs Living is committed to protecting the privacy of visitors and users of our website and mobile applications (collectively, the "Platform"). This Privacy Policy applies to the Platform and governs data collection and usage. You agree that your use of the Platform signifies your assent to this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Platform.

Information Collected

In order to access certain services on this Platform, you must first complete the registration process.

• Personal Information: During registration and checkout, we collect personal information such as your name, email address, phone number, billing and shipping addresses, and credit card information. We may also request additional information such as your shopping preferences and demographics. Once you complete and submit your registration, you have opted in to receive communication from us.

• Automated & Cookie Data: We automatically gather certain information about the use of the Platform, such as how frequently certain areas are visited, including through the use of cookies, web beacons, and other tracking technologies. Most browsers/devices can be set to prevent cookies, however, cookies may be necessary to access certain core features of the Platform.

• Mobile Device Data and Permissions: If you access our services via our mobile application (iOS/Android), we may automatically collect certain device-specific information, including your device model, operating system version, internet protocol (IP) address, and unique device identifiers (such as IDFV for iOS or Android ID). We only request and access device permissions (e.g., push notifications, camera, or photo library for uploading profiles or payment verification) that are strictly necessary to provide our services, and only after obtaining your explicit consent within the App.

• Referral Data: If you choose to invite an individual to join Affairs Living, you will need to provide his/her name and email address. Affairs Living stores this information to confirm qualifying orders attributable to your account.

How We Use Your Information

We will not share or disclose your information to anyone except as described in this Privacy Policy. We use your personal information to support and enhance your experience, including:

• Fulfilling and processing your product orders;

• Providing customer service and managing accounts;

• Sending transactional notifications, order updates, or promotional programs;

• Tracking past purchases to provide a personalized shopping history profile.

Information Sharing & Third-Party SDKs

We may permit certain trusted third parties to access your information in connection with their performance of services to maintain and operate the Platform. For example, we use third parties to host the Platform, send emails, analyze data, and process payments.

Third-Party Software Development Kits (SDKs): To ensure secure mobile payments, analyze application performance, and provide a seamless mobile experience, our mobile application integrates certain trusted third-party SDKs. These third parties may collect non-personally identifiable or system data directly. The third-party services we use include:

• Google Firebase / Firebase Analytics: For monitoring App performance, crash reporting, and user analytics.

• Payment Gateways (e.g., Stripe / PayPal / Local QR Gateways): For processing secure mobile payment transactions safely.

• Push Notification Services: For sending real-time updates regarding order status and deliveries.

We may share personally identifiable information with our parent, subsidiaries, divisions, and affiliates. We also reserve the right to disclose information in order to comply with a subpoena, court order, administrative or governmental order, or any other requirement of law under Singapore jurisdiction.

How We Protect Your Information

We follow reasonable technical and management practices to help protect the confidentiality, security, and integrity of data stored on our system. The Platform encrypts your credit card number and other sensitive personal information using Secure Socket Layer (SSL) / Transport Layer Security (TLS) technology to provide for the secure transmission of the information. Access to your personal data is restricted to authorized employees and verified partners who need access to perform their specific duties.

Accessing, Updating, and Deleting Your Personal Data

• Opt-Out & Updates: If you are a registered user, you may access and update your registration information and preferences by sending an email to askme@affairs.sg or managing settings in your profile.

• Account Deletion and Data Retention (App Store & Google Play Compliance): You have the right to request the permanent deletion of your account and all associated personal data at any time. If you are a registered user, you can easily initiate a complete account deletion request directly within the account settings of our Mobile Application, or by sending an explicit deletion request to us at askme@affairs.sg. Upon verification of your identity, we will delete or permanently anonymize your personal information from our active databases within 30 days, except where retention is strictly required to comply with applicable laws in Singapore (such as tax, accounting, or financial audit regulations).

Children's Privacy and Parental Controls

Our services are intended for a general audience and we do not knowingly solicit or collect personal information from children under the age of 13. If you are under 18 years old, you may use our Platform only under the supervision of a parent or legal guardian. If we learn that we have inadvertently collected personal information from a child under 13 without verifiable parental consent, we will take immediate steps to delete that data from our systems.

Privacy Policy Changes

If we decide to change our Privacy Policy for the Platform, we will post the revised Privacy Policy here so that you will always know what information we gather, how we might use that information and whether we may disclose it to anyone. Your continued use of the Platform indicates your assent to the Privacy Policy as posted.

Contact Us

If you have any questions, comments, or concerns arising from the Platform, our Terms of Service, or this Privacy Policy, please contact us at askme@affairs.sg.