FloatChat Terms of Service

The agreement between your business and My Country Mobile Pte Ltd for use of FloatChat.

Effective: May 20, 2026  |  Version: v2.0 — BYOC Twilio model — DRAFT for legal review

Summary

These Terms govern your business's use of FloatChat. They cover what we provide, what you can and cannot do, how payments work, how either of us can end the relationship, and what happens if something goes wrong.

1. Definitions

• "Customer", "you", "your" — the business entity using FloatChat.
• "FloatChat", "we", "us", "our" — My Country Mobile Pte Ltd.
• "Service" — the FloatChat chatbot platform.
• "Customer Data" — data you, your end users, or your systems submit to the Service.
• "End User" — a person interacting with a FloatChat chat widget.
• "AUP" — our Acceptable Use Policy at floatchat.com/aup.
• "DPA" — our Data Processing Agreement at floatchat.com/dpa.

2. The Service

We provide a hosted chatbot platform that lets you deploy AI-assisted chat experiences for your end users. We do NOT provide voice or SMS as part of the Service (see Section 4 — Bring Your Own Twilio).

3. Your account

• Provide accurate sign-up information and keep it up to date.
• Keep your credentials secret. Notify us at security@floatchat.com if compromised.
• We may suspend access if your account is at risk or violates these Terms.

4. Your responsibilities

When using the Service, you must:

• Comply with our AUP at all times.
• Get all necessary consents from your End Users.
• Not use the Service for PHI, children's data, or any AUP-restricted category.
• Not reverse-engineer, copy, or extract our source code, models, or methods.
• Not use the Service to build a competing product.

4.1 Voice and SMS features — "Bring Your Own Twilio"

FloatChat does not provide voice or SMS messaging services. If you want voice or SMS, you must:

• (a) Open and operate your own Twilio account in your own name;
• (b) Comply with all applicable telecom laws — including the US TCPA, the FCC's February 2024 AI Voice Ruling, 10DLC registration with The Campaign Registry, STIR/SHAKEN attestation, the National Do Not Call Registry, EU ePrivacy, UK PECR, and all other applicable laws in every jurisdiction where you call or text;
• (c) Capture prior express written consent from every recipient before any marketing voice/SMS, and maintain proof of consent for at least 5 years;
• (d) Honor opt-outs (STOP, DND, unsubscribe) immediately and maintain an internal do-not-call list;
• (e) Disclose at the start of any AI voice call that the caller is an AI assistant;
• (f) Indemnify and defend FloatChat against any claim, fine, or loss arising from your voice/SMS activities, including TCPA class actions and regulatory penalties.

FloatChat is NOT a party to your Twilio account, NOT responsible for your telecom-law compliance, and NOT a co-defendant in any TCPA action arising from your messaging. We will preserve and produce evidence on lawful subpoena but will not be liable for your compliance failures.

5. Customer Data

You own your Customer Data. We do not claim ownership. You grant us a limited license to host, process, transmit, and display Customer Data to provide the Service. We act as a processor for End User conversation data — see the DPA.

We do not use your Customer Data to train models offered to other customers without your specific consent.

6. Privacy and security

See our Privacy Policy and DPA. Security measures: encryption in transit and at rest, MFA, annual penetration testing, vendor security reviews, incident response with regional notification timelines.

7. Sub-processors

We use a limited set of sub-processors. The current list is at floatchat.com/subprocessors. We will tell you about any new sub-processor at least 30 days before they start.

8. AI features and human oversight

The Service uses generative AI. AI output can be wrong, incomplete, or inappropriate. You agree to maintain human oversight where the answer matters and to keep our AI-disclosure language visible to End Users.

You may not use the Service to (a) generate content that violates law, (b) impersonate a real person, (c) make consequential decisions about an End User (employment, credit, healthcare, housing, education, legal services) without meaningful human review.

9. Fees, taxes, and renewals

• Fees per Order Form. Due in advance, non-refundable.
• You're responsible for sales/use/GST/VAT/withholding taxes.
• Subscriptions auto-renew unless either party gives 30 days' written notice of non-renewal.
• Payment delinquency >15 days may trigger suspension.
• Pricing changes for renewals require 60 days' notice.

10. Term and termination

Subscription runs for the term in the Order Form. Either party may terminate for material breach with 30 days' notice and cure period. We may terminate immediately for serious AUP violations.

On termination: your right to use the Service ends. We make Customer Data available for export for 30 days, then delete or anonymize within 90 days.

11. Confidentiality

Each party uses confidential information only to perform under these Terms.

12. Intellectual property

We own the Service, software, models, and improvements. You own your Customer Data. Feedback you give us is voluntary; we can use it without obligation.

13. Warranties and disclaimers

We warrant reasonable skill and care. Other than as stated, the Service is provided "as is." AI features may produce inaccurate output; you are responsible for reviewing AI output before relying on it.

14. Limitation of liability

Neither party is liable for indirect/consequential damages. Total liability capped at fees paid in the 12 months before the claim. Standard exclusions apply (fraud, gross negligence, indemnity, confidentiality).

15. Indemnification

You indemnify us for claims arising from your Customer Data, End Users, AUP violations, or unlawful use. We defend you against IP infringement claims targeting the Service as provided.

16. Governing law and disputes

These Terms are governed by the laws of Singapore. Any dispute will be resolved by the courts of Singapore.

Exception for small claims: Either party may bring a small-claims action in the courts of the other party's home jurisdiction for amounts under USD 10,000, provided the action is limited to small-claims procedures available without legal counsel.

Exception for non-waivable consumer rights: Non-waivable consumer rights under your local law apply regardless of this section.

If you are in India, the laws and courts of India apply to your relationship with the India Entity.

17. Changes to these Terms

We may update these Terms. Material changes notified at least 30 days in advance.

18. Miscellaneous

• These Terms (with the Order Form, AUP, and DPA) are the full agreement.
• Severability: if a provision is unenforceable, the rest survives.
• Force majeure for events beyond reasonable control.
• Assignment requires consent except in merger/sale.
• Notices in writing to legal@floatchat.com.