USER AGREEMENT

Effective Date: July 29, 2025

1. ACCEPTANCE OF TERMS

By accessing or using the Vetto application ("Application"), including all features, services, content, and functionality offered through the Application (collectively, the "Services"), you ("User" or "you") agree to be bound by this User Agreement ("Agreement") and all applicable laws and regulations. If you do not agree to these terms, you may not use the Services. This Agreement is entered into between you and the operator of Vetto ("Vetto," "we," "us," or "our").

2. DESCRIPTION OF SERVICES

Vetto provides an AI-powered platform that transforms user-uploaded photos into personalized stories, organizes these stories in a personal memory library, automatically categorizes content by themes, and allows users to favorite, search, edit, and share their memory stories. The Services are designed to help users preserve memories, create personalized gifts, engage in journaling, and share stories with others, as further described in the Application's features.

3. ELIGIBILITY

You must be at least 13 years of age to use the Services. If you are between 13 and 18 years of age, you must have parental or guardian consent to use the Services. By using the Services, you represent and warrant that you meet these eligibility requirements and have obtained any necessary parental or guardian consent. We reserve the right to verify your eligibility and to refuse service to anyone who does not meet these requirements.

4. USER ACCOUNT

4.1 Account Creation

To access certain features of the Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

4.2 Account Responsibility

You are solely responsible for all content posted, transmitted, or otherwise made available through your account, as well as for any actions taken using your account. We shall not be liable for any loss or damage arising from your failure to comply with this provision.

5. USER CONTENT

5.1 Ownership of User Content

You retain all ownership rights to the photos, stories, and other content you upload, create, or otherwise provide through the Services ("User Content"). By providing User Content, you grant Vetto a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content solely for the purpose of providing, maintaining, and improving the Services, including to generate AI-powered stories based on your photos and to enable sharing functionality as requested by you.

5.2 License Grant for Sharing

When you choose to share User Content through the Services, you grant the recipients of such shared content a non-exclusive license to access and view that content as permitted by the sharing functionality.

5.3 User Content Requirements

You represent and warrant that: (a) you own or have the necessary licenses, rights, consents, and permissions to use and authorize Vetto to use your User Content as described in this Agreement; (b) your User Content does not violate any applicable laws, regulations, or third-party rights (including copyright, trademark, privacy, or publicity rights); and (c) your User Content is not defamatory, obscene, threatening, or otherwise harmful.

5.4 Monitoring and Removal

We reserve the right, but are not obligated, to monitor, review, or remove any User Content that violates this Agreement or is otherwise objectionable. We may take such action without prior notice to you.

6. AI-GENERATED CONTENT

The Services use advanced AI technology to generate stories based on the photos you upload ("AI-Generated Content"). While we strive to create accurate and meaningful narratives, AI-Generated Content is an interpretation of the visual elements in your photos and may not perfectly reflect the actual context or emotions of the moment captured. You acknowledge that AI-Generated Content is for personal, non-commercial use and that we do not guarantee the accuracy, completeness, or suitability of such content.

You may edit AI-Generated Content as part of the Services' functionality. Any edited version of AI-Generated Content shall be considered User Content for the purposes of this Agreement.

7. PROPRIETARY RIGHTS

Except for User Content, all rights, title, and interest in and to the Services, including all software, algorithms, technology, trademarks, copyrights, and other intellectual property rights, are owned by Vetto or its licensors. You agree not to copy, modify, distribute, sell, lease, reverse engineer, or otherwise exploit the Services or any part thereof, except as expressly permitted by this Agreement.

8. RESTRICTIONS ON USE

You agree not to:

9. PRIVACY

Your use of the Services is subject to our Privacy Policy, which governs our collection, use, and disclosure of your personal information. By using the Services, you consent to the collection and use of your information as described in the Privacy Policy. We comply with the Personal Data Protection Act (PDPA) of Singapore in handling personal data.

10. TERM AND TERMINATION

10.1 Term

This Agreement shall remain in effect until terminated in accordance with its terms.

10.2 Termination by You

You may terminate this Agreement at any time by discontinuing use of the Services and deleting your account. Please note that certain User Content may remain stored in our systems for a reasonable period after account deletion for backup or archival purposes.

10.3 Termination by Us

We reserve the right to terminate or suspend your access to the Services at any time, with or without notice, if you breach this Agreement or if we determine that your use of the Services is harmful to our interests or the interests of other users. Upon termination, your right to use the Services shall immediately cease.

10.4 Survival

Sections 5, 7, 11, 12, 13, 14, and 15 of this Agreement shall survive termination.

11. DISCLAIMER OF WARRANTIES

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI-GENERATED CONTENT WILL BE ACCURATE OR MEET YOUR EXPECTATIONS. YOUR USE OF THE SERVICES IS AT YOUR OWN RISK.

12. LIMITATION OF LIABILITY

IN NO EVENT SHALL VETTO OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR THE SERVICES SHALL NOT EXCEED SGD 100.

THIS LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN SINGAPORE.

13. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Vetto and its officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Services; (b) your User Content; (c) your breach of this Agreement; or (d) your violation of any applicable laws or third-party rights.

14. GOVERNING LAW AND DISPUTE RESOLUTION

This Agreement shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of laws principles. Any dispute arising out of or in connection with this Agreement or the Services shall first be addressed through good-faith negotiations between you and Vetto. If the dispute cannot be resolved through negotiations within 30 days, it shall be submitted to the exclusive jurisdiction of the courts of Singapore.

15. MISCELLANEOUS

15.1 Modifications

We reserve the right to modify this Agreement at any time. Any changes will be effective upon posting the revised Agreement in the Application, with a notice of the change. Your continued use of the Services after the effective date of the revised Agreement constitutes your acceptance of the changes.

15.2 Entire Agreement

This Agreement constitutes the entire agreement between you and Vetto with respect to the Services and supersedes all prior or contemporaneous agreements, understandings, and communications, whether written or oral.

15.3 Severability

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15.4 Waiver

Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision or any other provision.

15.5 Assignment

You may not assign this Agreement or any of your rights or obligations hereunder without our prior written consent. We may assign this Agreement at any time without notice to you.

CONTACT INFORMATION

If you have any questions or concerns about this Agreement, please contact us at: starry5vettonight@outlook.com