A clear basis for using Milely. Please read these terms carefully.
01Agreement to these Terms
These Terms of Service (“Terms”) govern your access to and use of Milely’s mobile application, website and related services (collectively, the “Services”). By creating an account or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.
Before public launch, these Terms should be updated to identify Milely’s operating legal entity, registered address and any paid plan terms.
02Who may use Milely
You must be at least 18 years old and legally capable of entering into a binding agreement. You are responsible for ensuring that your use of the Services is lawful where you live. If you use the Services for another person or organisation, you represent that you have authority to accept these Terms on their behalf.
03Your account
You must provide accurate information, maintain the security of your device and sign-in credentials, and promptly notify us of suspected unauthorised access. You are responsible for activity under your account except to the extent caused by our failure to use reasonable security measures. Do not share access in a way that circumvents account or wallet controls.
04What the Services provide
Milely helps users record transactions, monitor card caps, estimate rewards, review spending activity, receive card-use recommendations, scan receipts, coordinate shared wallets and export records. Features may change as the product develops.
Reward amounts, eligibility, merchant categories, fees, caps and recommendations are estimates based on available information. Card issuers, payment networks and merchants make the final determinations. Always check the issuer’s current terms before acting.
05No financial advice or banking service
Milely is an information and tracking tool. It is not a bank, card issuer, payment service, financial adviser, broker, tax adviser or credit bureau. Nothing in the Services is financial, investment, legal or tax advice, and no feature guarantees a financial outcome, reward, approval, saving or return. You remain responsible for payment decisions, card balances, fees, interest and compliance with issuer terms.
06Acceptable use
You may not:
- Use the Services for unlawful, fraudulent, abusive or deceptive activity.
- Access another person’s account or data without permission.
- Upload malware or content that infringes privacy, intellectual property or other rights.
- Interfere with security, probe vulnerabilities, overload infrastructure or bypass technical limits.
- Reverse engineer, scrape or use automated means to extract substantial parts of the Services except where the law does not permit this restriction.
- Misrepresent Milely estimates as issuer-confirmed rewards or use the Services to impersonate us.
07Your content
You retain ownership of information and content you submit. You grant us a limited, worldwide licence to host, process, reproduce and display that content only as needed to operate, secure and improve the Services and fulfil your instructions. You represent that you have the rights and permissions needed to submit the content, including receipt images and shared-wallet information.
09Our intellectual property
Milely’s own name, logo, software, design and original content are owned by us or our licensors and protected by applicable laws. Third-party names, logos and card artwork belong to their respective owners. Milely does not claim ownership of those materials. These Terms give you a limited, personal, non-exclusive, non-transferable, revocable right to use the Services for their intended purpose. No other licence is granted.
10Third-party services
The Services may rely on or link to third-party products, issuers, authentication providers or websites. We do not control their availability, terms, privacy practices or content. Your use of third-party services is governed by their own terms. Milely is independent of the issuers listed in its card library. References to card products or issuers do not imply sponsorship, partnership or endorsement. Calculation coverage labels describe Milely’s own implementation and review, not issuer certification or approval.
11Availability and changes
We may add, change, suspend or discontinue features, or impose reasonable usage limits. We aim to provide advance notice of material changes when practical, but the Services may sometimes be unavailable for maintenance, security or reasons beyond our control. We do not guarantee uninterrupted or error-free operation.
12Suspension and termination
You may stop using the Services at any time and request account deletion. We may suspend or terminate access if you materially breach these Terms, create security or legal risk, or misuse the Services. Where reasonable, we will provide notice and an opportunity to address the issue. Provisions that by their nature should survive termination will continue, including ownership, disclaimers and limitations of liability.
13Disclaimers
To the maximum extent permitted by law, the Services are provided “as is” and “as available”. We disclaim implied warranties of merchantability, fitness for a particular purpose, non-infringement and accuracy. Nothing in these Terms excludes warranties or consumer rights that cannot lawfully be excluded.
14Limitation of liability
To the maximum extent permitted by law, Milely and its officers, employees and suppliers will not be liable for indirect, incidental, special, consequential or punitive loss, or for lost profits, rewards, savings, data, goodwill or opportunities arising from the Services. Our aggregate liability relating to the Services will not exceed the greater of the amount you paid us in the 12 months before the event giving rise to the claim or S$100. These limits do not apply where liability cannot lawfully be limited.
15Governing law and disputes
These Terms are governed by the laws of Singapore, without regard to conflict-of-law rules. You and Milely will first try in good faith to resolve a dispute by contacting each other. Subject to rights that cannot be waived, the courts of Singapore will have exclusive jurisdiction.
16Changes and contact
We may update these Terms. If changes are material, we will provide reasonable notice through the Services or by email. Continued use after the effective date means you accept the revised Terms.
Questions about these Terms may be sent to support@milely.app.