Terms and Conditions

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Terms and Conditions

1. Pfingo’s End User License Agreement and Terms of Use

     1.1 Your Agreement

The Pfingo mobile and desktop application, software, design, servers, data, user input, content, website available at www.pfingo.com (“Website”), and associated services (collectively “Services” or “App”) are owned and operated by GlobalRoam Pte Ltd (“Pfingo”) and are licensed to you in accordance with the terms of this End User License Agreement (“Agreement”).

The App is © 2015 GlobalRoam Pte Ltd.

YOU ACKNOWLEDGE AND AGREE THAT YOU HAVE A DUTY TO READ THIS AGREEMENT BEFORE YOU INSTALL AND RUN THIS APP ON YOUR DEVICE. YOUR INSTALLATION, USE, OR OPERATION OF THIS APP CONSTITUTES YOUR MANIFESTATION OF ASSENT TO AND ACCEPTANCE OF THE TERMS OF THIS AGREEMENT. IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, YOU ARE EXPRESSLY PROHIBITED FROM USING THE APP AND MUST TERMINATE YOUR USE OF AND UNINSTALL THE APP IMMEDIATELY. THIS AGREEMENT DOES NOT REPLACE BUT IS IN ADDITION TO ANY ITUNES AGREEMENT REQUIRED BY APPLE AND ANY GOOGLE PLAY AGREEMENT REQUIRED BY GOOGLE IN ORDER TO DOWNLOAD AND USE THE APP.

No Emergency Calls.
It is important that you understand that the App is not a replacement for your mobile phone. The Services are not meant to and do not support or carry calls to emergency services of any kind. Pfingo will not be liable for any attempted emergency calls.

Pfingo and you both acknowledge and agree that Apple, and Apple’s subsidiaries, are third party beneficiaries of the Agreement, and that, upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement against you as a third party beneficiary thereof. Pfingo and you both further acknowledge and agree that this Agreement is between us only, and not Apple, and that maintenance and support, warranties, product claims, intellectual property infringement disputes are not the responsibility of Apple.

Pfingo reserves the right, in its sole and absolute discretion, to discontinue the App or to modify, change, replace, or discontinue this Agreement. If Pfingo modifies, changes, or discontinues the terms of this Agreement, the Effective Date, located above, will change. Your installation or use of the App after a change in the Effective Date of this Agreement constitutes your acceptance of and manifestation of assent to any modification, change, or replacement.

     1.2 The Pfingo App

           1.2.1 Call Through flow

Pfingo provides inexpensive call rates for your international calls. Pfingo provides local numbers for your international contacts. When you call one of your international contacts through one of our supplied local numbers, we will connect you with your contact and you pay our rates instead of your provider’s international rates. Your service provider will treat the call as local cellular call. You are responsible for paying your provider’s outgoing call rates. Connection charge of S$0.15 per call applies. 

           1.2.2 Callback flow

In some countries Pfingo also provides inexpensive call rates for your local and international calls through a callback flow. Upon initiating a call from Pfingo you will receive a callback from our servers. We will then dial another call out to your destination number and connect the two on a conference bridge. If your service provider charges you for incoming calls you will be responsible for those charges.

           1.2.3 Other terms

By downloading and using the App, you agree that Pfingo, and our designees and agents, may contact you by any available means, including, but not limited to, by email.

You acknowledge and agree that Pfingo is a service provider and will not be held liable for any costs or fees incurred by you through your use of the App, including but not limited to mobile carrier fees, SMS or other text message fees, or payment provider fees.

The phone numbers we provide may not support SMS, MMS, or FAX messaging.

Pfingo does not guarantee that you will be able to dial every number in every country. Pfingo reserves the right to cancel or suspend services to or for any specific number ranges, telecommunications service providers, countries, states, or geographic regions, or any other number grouping or service location, at any time and for any duration at our sole discretion.

The App is free. You only pay the call rates. When downloading and/or using the Services, you may provide personal information that will be used consistent with the Privacy Policy, which is incorporated into this Agreement. You agree to provide Pfingo with, and maintain, accurate, up to date, and complete information. It is your responsibility to keep your mobile phone or other device, as well as access to your personal information made available in Pfingo, secure from unauthorized access and you accept full responsibility for any and all use.

      1.3 Your Warranties and Representations:

You warrant and agree that you have the right, power, and legal capacity to enter into this Agreement and to adhere to the terms and conditions hereunder. You further warrant and agree that you are not prohibited from entering into this Agreement or prohibited from downloading or using the Services by any preexisting agreement or otherwise. You warrant and agree that you are a human individual that is at least thirteen (13) years of age or older. If you are thirteen (13) or older but under the age of eighteen (18), you should review this Agreement with your parent or guardian to make sure that you or your parent or guardian understand it and allows for your use of the App. You agree to comply, in good faith, with the terms of this Agreement.

All users of the Services further warrant the following:

  1. You agree to comply with the terms of this Agreement in good faith.

  2. You will not use the Services outside of the uses specifically provided for under this Agreement, including any and all licenses.

  3. You will not use the Services in any way that violates the rights of third parties, and you agree to comply with any and all applicable local, national, state, provincial, and international laws, treaties, and regulations.

  4. You are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and you are not listed on any U.S. Government list of prohibited or restricted parties.

  5. You understand that Pfingo cannot guarantee preservation of records and may delete or modify information without notice at its sole discretion.

  6. You will not make any derivative works of the Services or delete or modify, in any way, any copyright, trademark, or other proprietary notices that appear on the Services.

  7. You will not use the Services to communicate any false, misleading, personal, or defamatory content.

  8. You will not use, modify, copy, distribute, frame, reproduce, republish, download, scrape, display, post, mine, transmit, or sell the Services in any form or by any means, in whole or in party, without the prior written consent of Pfingo.

  9. Pfingo does not warrant or guarantee that compliance with this Agreement will be sufficient to comply with your obligations hereunder, under applicable law or with third party rights. Given the global nature of the Internet, you agree to comply with all laws and rules where you reside or where you use Services. Services are operated worldwide and Pfingo makes no representation that its Services are appropriate, lawful, or available for use in your location. Pfingo does not offer Services where prohibited by law. If you are in a jurisdiction in which use of the Services are prohibited by law, you may not use the Services.

     1.4 Limited License Grant

The App and related materials, including but not limited to any text, names, marks, statistics, graphics, photos, images, sounds, music, videos, software, scripts and interactive features, as well as its associated data and services generated by us, is the property of, owned by and licensed through Pfingo. Pfingo grants you a limited, non-exclusive, royalty free, non-sublicensable, non-transferrable, and non-assignable license to install and use one copy of the App in executable object code form to be used on a single mobile or portable device for non-commercial, personal purposes.

You are prohibited from copying, making derivative works of, modifying, publicly performing, publicly displaying, streaming, exploiting, broadcasting, decompiling, adapting, distributing, reproducing, republishing, scraping, transmitting, selling, posting, or hacking the App, in whole or in part, without the prior written consent of Pfingo. You are prohibited from using the trademarks, service marks, design marks, and logos of Pfingo, or any colorable imitation thereof, or any mark not owned or licensed by you, including, without limitation the terms “PFINGO” or the Pfingo logo(s), as an indicator of source, as a part of a domain name, or in any way that is likely to cause confusion without the prior written consent of Pfingo. The App is subject to all intellectual property laws, including but not limited to trademark, copyright, patent and other privacy and proprietary laws. All trademarks, images, copyrights or rights of publicity displayed in connection with your use of the App are the property of their respective owners.

You are prohibited from using the App for any use not explicitly stated in this Agreement, absent separate written agreement signed by Pfingo and you pursuant to a binding agreement. Such unauthorized uses may include:

  1. Any use inconsistent with or in violation of this Agreement or any local, state, provincial, national, or international law, regulation, statute, ordinance, or treaty, including in any country embargoed by the United States;

  2. Any commercial use, such as the resale or republication of the App;

  3. Any modification of the App, including, but not limited to, translation into another computer language or the creation of derivative works from the App;

  4. Any use of the App outside of its customary or intended purposes;

  5. Any use of the App to defraud, to impersonate, to harass, to violate the rights of third parties, or to collect personal or personally identifiable information from users of the App without their knowledge or consent;

  6. Any use of the App that involves internet relay chat servers (“IRCs”) or IRC bots;

  7. Any use of the App to cheat, exploit, or otherwise interfere with any lawful activity;

  8. Any other activity that disrupts the App or its associated services, including, but not limited to, through hacking or denial of service attacks; or

  9. Any use of the App after you have been removed by Pfingo or previously banned.

The Services may contain licensed materials from third parties and those third parties may enforce their rights in the event of a breach of this Agreement.

      1.5 Registration

Downloading the Pfingo App is free. In order to download and/or use the Services, you must provide certain information to register your mobile phone or additional phone(s) and device(s). As part of account registration, you will go through a One-Time Password (“OTP”) process. You agree to provide Pfingo with accurate, up to date, and complete information. Registered users understand and agree that they have an ongoing duty to update their personal information if and when it changes. Registered users agree to keep their accounts and devices secure from unauthorized access. Registered users alone are responsible for their accounts and devices, and accept full responsibility for any and all use of their accounts and devices, whether authorized or unauthorized. In the case of unauthorized access to an account, you agree to contact Pfingo immediately. You are responsible for any charges to your account until Pfingo is able to terminate or suspend your account.

Pfingo does not endorse you or discriminate based upon any information provided by you. Information you provide will be used consistent with the Privacy Policy.

By creating an account, you agree that Pfingo, and our designees and agents, may contact you by any available means, including, but not limited to, by email, telephone, text messages, push notifications or messages within the Services.

Pfingo reserves the right to restrict access to, suspend, disable, or delete your account at any time, in its sole discretion, and without prior warning. You are expressly prohibited from selling, leasing, lending, assigning, or otherwise transferring your account.

You understand and agree that Pfingo provides software and related services and takes no responsibility and cannot be held liable or responsible for any interaction between users of the Services, whether with advertisers, through accounts, with third-parties, or otherwise. Pfingo makes no representations or warranties as to the truth or falsity of any information submitted to the App or provided by Pfingo or any user of the App, or the legality, quality, or safety of the services offered through the App.

Pfingo may establish and modify, in its own discretion, at any time and without prior notice, practices and limits concerning use of the App, including, without limitation, limits on the amount of time data is retained, limits on amount of data that may be submitted to the Services, limits on the length of calls places using the Services, limits on the amount of times a user may access the App. Pfingo reserves the right to log off and/or delete accounts that are inactive for an extended period of time.

If you have installed the App on your device, you agree that Pfingo may automatically install and update any bug fixes, enhanced functions, new modules or completely new versions of the App directly on your device without your prior permission.

The App is free to download, but Pfingo reserves the right to charge a fee to download and/or use the App and any part thereof in the future.

     1.6 Charges and Payment

Our calling rates and charges are provided within the App and are incorporated into this Agreement by reference. The rates and charges depend on several factors, including, but not limited to, location and type of destination phone number, the user’s location and the type of phone or device used to make the call, whether and what type of base or add-on phone plan the user registered for, and any current promotions that may be available. You understand that you will pay any additional charges you incur if you connect to the services through a phone number provided by Pfingo while you are in a country that is not the same country associated with your network or mobile phone provider (“Roaming Charges”). Roaming Charges will be charged in addition to any charges you may incur when using the App from another country. You are responsible for checking all applicable rates and charges prior to placing a call with the App. We may change the billing period or the rates and charges at any time by posting changes on the website. Any change that is required by law or governmental authority will be effective immediately.

Charges for calls are measured in whole minutes and fractions of a minute will be rounded up to the next whole minute. Timing of the call begins when the call is answered by your contact, including voicemail or an automatic reply. Timing of the call ends when the user hangs up or when Pfingo receives a signal that the call has terminated from the terminating carrier.

All calls are pre-paid. You may add to your account balance at any time on the Website or through the App. When a call is charged against your account, we will charge against available balance purchased by you. You agree to pay all taxes, including VAT or Goods and Services Tax (“GST”) where applicable, fees and other charges that we bill for the Services. You agree to pay for the Services at the rates and charges listed on Website. You acknowledge that calls in progress may be terminated if your account balance is insufficient to cover the cost of continuing the call.

You agree that you will notify us of any changes to your payment information, including card expiration dates. You understand and agree that if for any reason your account balance becomes negative, you hereby authorize us to charge the negative account balance to any credit or debit card on file with your account without any additional confirmation. We reserve the right to retain any payment information and to charge any card or other payment information for any outstanding amounts on your account so long as your account remains active and for a reasonable period after an account is terminated. If the charge to your account is not accepted for any reason (other than your good faith dispute of a charge), we may charge an additional fee of $10 per transaction and a late fee of $10 per month. We will apply such fees to your unpaid balance.

All rates and charges are reflected in SGD amounts and all payments must be made in SGD.

You are responsible for reviewing your billing information. If you believe that Pfingo has charged your account in error, you agree to notify us of any disputed charges within ninety (90) days after the date the alleged error appears in your account history or within 120 days after the error occurred, whichever is earlier, in writing in English via email to: pfingo.support@globalroam.com

If we determine that a billing adjustment is appropriate, we will credit your account. If you fail to timely notify us of a billing dispute, you understand that you hereby waive all rights to bring any claim regarding a charge to your account.

Amounts used are nonrefundable. You acknowledge and agree that if we discontinue the services while your account is active, we are not obligated to refund you any of the prepaid amounts you purchase. Only make prepayments to your account if you believe that you will use the balance.

Prepaid amounts you purchase will remain credited to your account and will not expire so long as your account remains active. If your account expires, you acknowledge that we are not obligated to refund to you any prepaid amounts purchased by you.

     1.7 Account Termination

You may choose to close your account by notifying us by email at pfingo.support@globalroam.com. We will then terminate your account and you will lose access to your account. You acknowledge that you will not be entitled to a refund of any unused prepaid balance in your account as of the date you terminate your account. You also acknowledge that you will remain responsible for payment of all charges for Services up through termination.

If your account balance is depleted and you do not replenish your account balance within 6 months, we may elect, in our sole discretion, to terminate your account. If your account remains inactive for 12 months, we may elect, at our sole discretion, to terminate your account. If you wish to keep your account active, you may request an extension of this expiration period by notifying us by email at pfingo.support@globalroam.com. We may, at our sole discretion, grant an extension request. We are not obligated to provide an extension nor are we obligated to refund any prepaid balance remaining in your account if your account terminates. We may charge, at our sole discretion, a reactivation fee to reactivate a terminated account or to keep an account from expiring.

We reserve the right, at our sole discretion and for any reason, including, but not limited to, your breach of this Agreement or your unlawful use of the Services, to suspend, restrict, modify or terminate your account and your access to and use of the Services. If your account is suspended, restricted, modified, or terminated, you understand and agree that you are still responsible for any charges that accrue through the date that we fully process any such suspension, restriction, modification or termination. You agree to reimburse us for any reasonable costs we incur in collecting charges owed to us, including attorneys’ fees.

We also reserve the right, at our sole discretion and for any reason, to suspend, modify, restrict, or discontinue the Services at any time.

     1.8 Customer Service

If you have any questions, concerns or complaints about our Services, you may contact our Customer Service through the feature provided within our App and on our website. Please allow up to 72 hours for a response email.

You agree to comply with all terms and conditions of any third party whose software or services are used in conjunction with the App, including but not limited to any vendor which provides access and download services (e.g., iTunes, Google Play), any network provider (e.g., AT&T, Verizon), any platform provider (e.g., iOS), or any hardware manufacturer (e.g., Apple iPhone, Android).

    1.9 We Do Not Endorse Any Product or Service

Pfingo may allow advertisers to display advertisements within our Services. However, Pfingo does not endorse or recommend any commercial product, process, or service. The views and opinions of users, contributors, and others expressed through the App do not necessarily state or reflect those of pfingo and are not intended to be used for advertising or product endorsement purposes.

     1.10 Section 230 of Communications Decency Act

You acknowledge and agree that Pfingo is an interactive computer service provider under Section 230 of the Communications Decency Act. You agree that Pfingo will not be considered an information content provider and will not be held liable for the republication of defamatory or tortious communications created by third parties, whether through the Services or otherwise.

     1.11 Children’s Online Privacy Protection Act Compliance

The Services are not directed to persons under the age of thirteen (13) and Pfingo will not knowingly collect personally identifiable information from children under the age of thirteen (13) absent the requirements set forth in this Agreement. If Pfingo inadvertently collects personally identifiable information, Pfingo will delete the personally identifiable information in accordance with its security protocols, upon notice.

     1.12 Feedback and Support

Pfingo encourages its users to submit comments, suggestions, error reports, or support inquiries to Pfingo using the feedback function of the App or using the website. You acknowledge and agree that any feedback submitted to Pfingo, including, but not limited to, any intellectual property or other proprietary information contained within that feedback, will become the exclusive property of Pfingo. You agree to assign all right and title in or to any and all feedback that you submit to Pfingo and execute any and all documents necessary to assign your rights to any and all feedback to Pfingo upon Pfingo’s request, including but not limited to any documents necessary to perfect Pfingo’s rights in and to intellectual property or proprietary rights.

     1.13 Disclaimer and Limitation of Liability

You acknowledge and agree that the nothing within the App will be construed to create a warranty of any kind. You acknowledge and agree that Pfingo takes no responsibility for, is not obligated to monitor and cannot be held liable for all the information contained within or communicated through the App as provided by you, third parties, information sent to Pfingo by third parties, and information intercepted by third parties. You agree to hold Pfingo harmless for any and all inaccuracies, omissions, errors, loss of data, corruption of data, failure of hardware, failure of the App, or misuse of the App.

PFINGO PROVIDES THE APP ON AN AS-IS BASIS AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, QUALITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PATENT, TRADEMARK, COPYRIGHT, TRADESECRETS OR ANY OTHER INTELLECTUAL PROPERTY OR PROPRIETARY RIGHTS, OR ACCURACY. YOU ACKNOWLEDGE AND AGREE THAT YOU USE THE APP AT YOUR OWN RISK AND THAT PFINGO WILL NOT BE HELD LIABLE FOR ANY DEFECTS, ERRORS, OMISSIONS, BUGS, OR DOWNTIME. ANY ATTEMPT BY PFINGO TO MODIFY THE APP WILL NOT BE DEEMED TO BE A WAIVER OF THIS LIMITATION OF LIABILITY. PFINGO WILL NOT BE HELD LIABLE FOR ANY CONTENT CONTAINED WITHIN OR COMMUNICATED THROUGH THE APP.

PFINGO WILL NOT BE HELD LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION CONSEQUENTIAL DAMAGES, INCIDENTAL DAMAGES, PUNITIVE DAMAGES, SPECIAL DAMAGES, EXEMPLARY DAMAGES, INDIRECT DAMAGES, LOST PROFITS, LOST SAVINGS, BUSINESS INTERRUPTION, OR LOST INFORMATION ARISING OUT OF THE USE, WHETHER PROPER OR IMPROPER, OF THE APP, EVEN IF PFINGO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. PFINGO DOES NOT ASSUME RESPONSIBILITY FOR ANY ERROR IN, OMISSION OF, INTERRUPTION OF, DELETION OF, DEFECT IN, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, OR ALTERATION OF ANY DATA, AUTHENTICATION INFORMATION, OR SERVICES. YOU BEAR THE SOLE RESPONSIBILITY TO PROTECT AND BACKUP YOUR OWN DATA, NETWORK, HARDWARE, SYSTEMS, SERVERS, SOFTWARE, COMPUTERS, PHONES, AND SECURITY.

UNDER ANY CIRCUMSTANCES, YOU ACKNOWLEDGE AND AGREE THAT PFINGO’S MAXIMUM LIABILITY UNDER THIS AGREEMENT WILL BE LIMITED TO ANY AMOUNT THAT YOU MAY HAVE PAID FOR THE APP OR RELATED SERVICES. SOME JURISDICTIONS DO NOT ALLOW THE WAIVE OF IMPLIED WARRANTIES AND THE EXCLUSIONS REGARDING IMPLIED WARRANTIES MAY NOT APPLY TO YOU. THE LIMITATIONS, EXCLUSIONS, AND DISCLAIMERS LISTED IN THIS SECTION WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW, EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

     1.14 Indemnification

You agree to indemnify, hold harmless, and defend Pfingo, its officers, members, employees, agents, and directors from and against any and all claims, demands, causes of action, debts, liabilities, damages, costs, or expenses, including costs and reasonable attorneys fees, arising out of or in relation to your use of the App, your violation of a term or provision of this Agreement, or your violation of the rights of a third party. You agree that your obligation to hold harmless, defend, and indemnify Pfingo will survive the termination or failure of this Agreement and your use of the App. You acknowledge and agree that your obligation to defend Pfingo will not provide you with the right to control Pfingo’s defense and you expressly agree that Pfingo has the right to direct and control its defense regardless of your obligation to defend Pfingo. You shall not enter into any settlement of compromise of any indemnifiable claim without Pfingo’s written consent.

     1.15 Assignment

You are expressly prohibited from assigning your rights or obligations under this Agreement without Pfingo’s prior written consent. Pfingo may assign its rights or obligations under this Agreement at any time, including but not limited to in a sale of the Pfingo business or in a sale of the App.

     1.16 Integration

This Agreement together with the list of rates and charges on the Website and the Privacy Policy, which are incorporated into this Agreement, constitutes the entire agreement between the parties relating to the subject matter of this Agreement and hereby supersedes all prior agreements, statements, or representations. This Agreement may only be modified by a writing signed by both parties or by Pfingo alone, who reserves the right to alter this Agreement and will notify you of any alterations so as to allow you to stop using the Services if you do not agree to the alterations. Your use of Services after any alteration signifies your acceptance of the terms and conditions of this Agreement and you are bound by them.

     1.17 Choice of Laws and Resolution of Disputes

You agree that for all legal and non-legal purposes, the App is located in Singapore. You agree that the App does not give rise to personal jurisdiction over Pfingo in jurisdictions other than the Singapore, except where otherwise agreed. This Agreement will be interpreted under and governed by the laws and legal principles of the Republic of Singapore, without regard to its conflicts of laws principles or statutes.

You and Pfingo agree that in an effort to resolve any dispute that may arise under this Agreement or in connection with the Services, the parties will make a good faith effort to resolve any dispute by discussion prior to referring any matter to arbitration. If the parties are unable to resolve any dispute through discussion prior to arbitration within fifteen (15) days of commencing discussions, the dispute shall be referred to arbitration.

YOU AND PFINGO AGREE THAT ARBITRATION WILL BE THE EXCLUSIVE FORUM AND REMEDY AT LAW FOR ANY DISPUTES ARISING OUT OF OR IN RELATION TO THIS AGREEMENT OR CONCERNING THE VALIDITY, INTERPRETATION, BREACH, VIOLATION, OR TERMINATION OF THIS AGREEMENT. THIS ARBITRATION WILL BE HELD IN THE REPUBLIC OF SINGAPORE AND WILL BE HELD IN ACCORDANCE WITH THE MOST RECENTLY EFFECTIVE COMMERCIAL ARBITRATION RULES OF THE ARBITRATION ACT OR THE INTERNATIONAL ARBITRATION ACT AS APPROPRIATE. THE ARBITRATOR WILL DECIDE THE CLAIM ON THE BASIS OF THE LEGAL PRINCIPLES AND LAWS OF THE REPUBLIC OF SINGAPORE AND WILL HAVE THE DISCRETION TO AWARD ALL COSTS AND ATTORNEYS’ FEES. THE LOSING PARTY WILL BE REQUIRED TO PAY THE PREVAILING PARTY’S REASONABLE ATTORNEYS’ FEES. YOU AND PFINGO AGREE THAT THE DETERMINATION OR AWARD OF THIS ARBITRATOR MAY BE ENTERED AS A JUDGMENT IN ANY COURT SITTING ANYWHERE THAT HAS JURISDICTION OVER THE SUBJECT MATTER OF THE DISPUTE. YOU AND PFINGO AGREE THAT THE PARTIES WILL BE REQUIRED TO BE PRESENT WITHIN THE REPUBLIC OF SINGAPORE IN ORDER TO PERFORM THEIR OBLIGATIONS UNDER THIS AGREEMENT. YOU AND PFINGO HEREBY AGREE TO SUBMIT TO THE PERSONAL JURISDICTION OF ANY SUCH ARBITRATOR OR ARBITRATION PROCEEDING.

pfingo may, but is not obligated to participate in any dispute between users. IF YOU HAVE A DISPUTE WITH ANOTHER USER, YOU RELEASE PFINGO FROM ANY AND ALL CLAIMS, DEMANDS AND DAMAGES, KNOWN OR UNKNOWN. If you are a California resident, you waive California Civil Code §1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”

     1.18 Additional Provisions

No waiver of rights under this Agreement by either party will be recognized unless made in writing and signed by the party to be charged. This Agreement is solely between Pfingo and you and will not confer any rights or remedies upon any third party, including third party beneficiaries. A finding that any term or provision of this Agreement is invalid or unenforceable will not affect the validity or enforceability of this Agreement. Any term or provision of this Agreement that is found to be invalid or unenforceable will be reformed to the extent necessary to make it valid and enforceable.

YOU AND PFINGO AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR THE SERVICES PROVIDED UNDER THIS AGREEMENT MUST COMMENCE WITHIN ONE YEAR AFTER THE CAUSE OF ACTION ACCRUED. FAILURE TO ASSERT SAID CAUSE OF ACTION WITHIN ONE YEAR WILL PERMANENTLY BAR ANY AND ALL RELIEF.

YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST PFINGO ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING AND YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONTEARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS.

The failure of or delay by either party to insist on strict performance of any provision of this Agreement shall not be construed as a waiver of that or any other breach of this Agreement. No waiver shall be effective unless in writing and signed by the party to be bound.

     1.19 Notice

Any notice under this Agreement or other contact must be sent via certified mail to via email to: pfingo.support@globalroam.com

Pfingo reserve the right to change the Agreement and Terms of Use at any time without prior notice. Users are advised to consult the Agreement and Terms of Use each time they view and use any of Pfingo’s App and Services.