1. About These Terms

1.1 This User Agreement ("Agreement") is entered into by and between you ("User" or "you") and GAMESWAP PTE. LTD., a company incorporated under the laws of Singapore with its registered office at 1 Raffles Quay, #49, Singapore ("we", "us", or "our"). This Agreement governs your use of the iGRush website and application (“Services” or “iGRush Services”), which enable the purchase of in-game virtual items and top-ups (“Virtual Items”). By accessing or using our Services, you agree to be bound by the terms of this Agreement and any applicable guidelines or rules.

1.2 We may update or revise this Agreement at any time by posting the amended terms on our website or app. Your continued use of the Services following any such changes constitutes acceptance of the revised Agreement.

1.3 You consent to entering this Agreement electronically and agree to the storage of records related to this Agreement in electronic form.

2. About iGRush

2.1 iGRush is an online platform facilitating the purchase of virtual vouchers, items and in-game currency top-ups.

2.2 You agree to comply with any applicable end-user license agreements, terms of service, or other policies imposed by the relevant game publishers or platforms.

2.3 You must be at least the age of majority in your country of residence to use the Services. If you are under the age of majority, you may only use the Services under the supervision of a parent or legal guardian.

2.4 Access to the Services requires authentication via a supported social networking service (SNS) account (e.g., Google, Discord, Facebook). You may also bind your email for account recovery. When binding your game account, you authorize us to access certain information, including but not limited to your public game profile and your inventory of Virtual Items. Please refer to our [Privacy Policy] for details on how we collect, use, and protect your personal data.

2.5 You agree to safeguard your account credentials and maintain their confidentiality. You may not transfer your account or share access without our prior written consent.

3. User Conduct and Content

3.1 You must comply with all applicable laws and regulations, including but not limited to anti-money laundering (AML) and counter-terrorism financing (CTF) laws. If any applicable law restricts your use of our Services, you must comply with such restrictions or cease using our Services.

3.2 You represent and warrant that you are not, and will not become:

(1) a member of an organized crime group;

(2) a person having such relationship with the organized crime group that shows the organized crime group ' substantial involvement in the person's management;

(3) a person having such relationship with the organized crime group that shows reliance on the organized crime group;

(4) a person who cooperate and is involved with the maintenance or operation of any organized crime group by providing funding to any organized crime group or any similar act; or

(5) a person who is engaged in socially condemnable relationship with the organized crime group.

3.3 Users may send, upload, communicate, transmit or provide in other methods, information, data, software, sound, photographs, graphics, video, tags, or other materials ("Content") via our Services. You are exclusively responsible for any and all Content that you may provide via our Services, either published in public or sent in private.

3.4 You will not provide any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, discriminatory, pornographic, sexually explicit or otherwise;

3.5 You will not provide any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;

3.6 You will not use cheats, automation software (bots), hacks, mods or any other unauthorized third-party software designed to modify any part of the Services, collect any information from the Services;

3.7 You will not reverse engineer, derive source code, modify, decompile, disassemble, or create derivative works based on our Services, any Content created by others or any portion thereof, in whole or in part;

3.8 You must not remove intellectual property notices or alter any part of the Services.

4. Purchase Virtual Items and GameTopUp

4.1 You are solely responsible for reading and understanding all and any terms and conditions of any transactions once you use iGRush Services and shall take all responsibilities for your conduct.

4.2 While we may provide support for disputes involving Virtual Items, we do not guarantee dispute resolution.

5. Refund Policy

5.1 UNLESS OTHERWISE PROVIDED IN THESE TERMS OF USE OR BY APPLICABLE LAWS, ALL PURCHASES WITHIN OUR SERVICES ARE FINAL AND NON-REFUNDABLE AND THERE ARE NO REFUNDS AVAILABLE FOR ANY OFFERINGS. We have no liability to you or to any third party for any claims or damages that may arise as a result of any payments or transactions that you conduct via the Services.

5.2. All Orders are final at iGRush and refund will not be given except where you did not receive your Order despite having duly made full payment for the Order. As long as the Virtual Item(s) covered by the Order (the “Purchased Product”) has not been delivered or partially delivered, refund is possible.

5.3. Refunds are not extended in the following situations:

a) Buyers have verified and confirmed the receipt of the Order.

b) Transactions made outside of the iGRush website.

c) Buyer's dissatisfaction with the Virtual Item(s) delivered under the Order, buyer remorse, mistakenly purchased Virtual Item(s) and/or buyer's computer does not meet the minimum product requirements.

d) No refunds are offered for wrong or mistaken purchases in direct top-ups. You must read the product description thoroughly and confirm that the game name, server, account name and the amount purchased are accurate before proceeding to final checkout. We assume no liability for wrong or mistaken Orders made by you due to negligence and/or false or wrong information provided.

e) Fraudulent claims. We reserve the right to pursue legal actions and permanently suspend a buyer's account for filing fraudulent claims. By purchasing any products from the iGRush website, the buyer understands, acknowledges and accepts the foregoing exclusions.

5.4 Depending on the type of payment method the buyer uses, a refund may typically take up to 14 days to process. This is because the banks do not usually finalize a refund immediately and the authorization hold of the funds may take up to 14 days to expire.

6. Disclaimer

6.1 Although we endeavor to provide the accurate and reliable Services to you, you expressly understand and acknowledge that OUR SERVICES AND INFORMATION, IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF CONDITION, UNINTERRUPTED USE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY OR BUG/ERROR/DEFECT-FREE.

6.2 Without limiting our liabilities expressly set forth herein or required by the applicable laws, you expressly understand and agree that WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (I) THE INABILITY TO USE OUR SERVICES; (II) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM OUR SERVICES; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY IN OUR SERVICES; OR (V) ANY OTHER MATTER RELATING TO OUR SERVICES. IN NO EVENT SHALL OUR AGGREGATE LIABILITY, WHETHER ARISING IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EXCEED THE TOTAL FEES PAID BY YOU TO US DURING THE SIX (6) MONTHS IMMEDIATELY PRIOR TO THE TIME SUCH CLAIM AROSE.

7. Breach and Indemnification

7.1 In case we reasonably find that you have breached this Agreement or any posted guidelines or rules, we may take such actions as we deem appropriate, including but not limited to: (i) removing any involved Content; (ii) suspend any function provided in our Services; (iii) suspend your account; (iv) terminating your right to use our Services; (v) taking legal action against you or disclosing relevant information to law enforcement authorities and (vi) any other actions set forth in any posted guidelines and rules.

7.2 You agree to indemnify and hold harmless GAMESWAP PTE. LTD. and its affiliates from any claims, liabilities, or damages arising out of your use of the Services or breach of this Agreement.

8. Intellectual Property

8.1 The name “iGRush” and associated trademarks are owned by GAMESWAP PTE. LTD. Other trademarks belong to their respective owners. You are granted no right or license with respect to any of the aforesaid trademarks, service marks or logos.

8.2 We retain all intellectual property rights in the Services. You are granted a limited, non-transferable, non-exclusive license to use the Services for personal purposes only, subject to this Agreement.

9. Miscellaneous

9.1 Entire agreement

This Agreement sets forth the entire agreement between you and us, and supersedes and replaces any and every other prior or contemporaneous agreement, understanding or negotiation that may have existed between you and us.

9.2 Severability

If, but only to the extent that, any provision of this Agreement is declared or found to be illegal, unenforceable, or void, then both you and us shall be relieved of all obligations arising under that provision, it being the intent and the agreement of you and us that this Agreement will be considered to be amended by modifying the provision to the extent necessary to make it legal and enforceable while preserving its intent. If that is not possible, it shall be substituted with another provision that is legal and enforceable and achieves the same objective. If the remainder of this Agreement is not affected and is capable of substantial performance, then the remainder shall be enforced to the extent permitted by law.

9.3 Waivers of our rights

The failure of us to enforce at any time or for any period of time any of the provisions hereof shall not be construed to be a waiver of such provision or of the right of us thereafter to enforce each such provision. No waiver of any term or condition of this Agreement shall be valid or binding on us unless the same shall have been set forth in a written document, specifically referring to this Agreement and duly signed by us.

9.4 Contact Us

If you have any further questions this User Agreement or the privacy practices of us, please contact us through the “Contact support” via the iGRush website.

10. Governing Law and Venue

Unless otherwise stipulated by applicable laws, this Agreement shall be governed by the laws of Singapore, as an agreement wholly performed, negotiated and executed therein without regard to Singapore's conflict of law rules. Any disputes relating in any way to or arising under or out of your use of our Services or this Agreement shall be binding upon the arbitration held by the Singapore International Arbitration Centre ("SIAC"). You hereby consent to personal jurisdiction and venue in SIAC. If you are a resident of the European Economic Area, you will benefit from any mandatory provisions of the law of the country in which you are resident (including relating to the venue for resolving disputes).