Terms of Service
Consumer Terms of Service
Last modified: 1 Oct 2025
1. Introduction and Scope
These Consumer Terms of Service (“Terms of Service” or “Terms”) are a legal agreement between us ( “us”, “our”, “we”, or “Qashier”) and you, the individual who uses one or more of the products and services we offer for your personal use under these Terms (referred to as “you” or “your”), which are QashierGo (each, a “Consumer Service”). The following Terms are a legally binding agreement between you and us, and it describes the terms and conditions applicable to your use of our Consumer Services. By using our Consumer Services, you agree to be bound by these Terms, and any new features or tools that are added will also be subject to these Terms.
These general Terms apply to all of our Consumer Services that reference these Terms. Businesses that are using our products and services for business purposes (“Business Users”) are subject to the Qashier Services Agreement.
2. Additional Terms That Apply to You
The following additional policies and terms also apply when you access or use the Consumer Services, all of which are incorporated by reference into these Terms:
Privacy Policy. You acknowledge the Privacy Policy. Qashier and the Business User are independent controllers of personal data collected in conjunction with the Consumer Services and will independently and separately determine the purposes and means of its processing of personal data. We may transfer your personal data to countries other than your own country, including the United States. Please read the Privacy Policy carefully to understand how your information is collected, used, and shared in connection with these Consumer Services.
Product-Specific Terms. A Consumer Service may have specific terms that apply when you use that particular Consumer Service. These product-specific Terms are listed in the left-hand menu.
Acceptable Use Policy. Your use of a Consumer Service is subject to Qashier’s Acceptable Use Policy. We may revise these Terms from time to time. We will use reasonable efforts to notify you of material changes to these Terms in advance of their effectiveness, including by posting notice on the applicable Consumer Services or providing notice via an email address associated with you. The revised Terms will be effective on the date stated in the revised Terms. By using a Consumer Service after any revisions become effective, you agree to those changes. If you do not agree with any changes to these Terms, you must stop using the Consumer Services.
3. Eligibility
You may only enter into these Terms if you are over the age of majority and able to enter into a legally binding contract in the country in which you reside.
You must not use the Consumer Services if you have previously been terminated or suspended from using any of our services, including any Consumer Service. You may not enter into the Terms or use any Consumer Service if you are the target of government sanctions, such as those applied by the U.S. Department of the Treasury Office of Foreign Assets Control, or any other national government.
You must be eligible for the particular Consumer Services to the extent they are available in your country. If we present an incorrect country for you or you move countries, then you must correct the country in your account or contact support before using the Consumer Services again.
4. Qashier’s Role
Any contract of sale made using the Consumer Services is directly between you and the Business User. You, and not Qashier, are responsible for the purchases you make using the Consumer Services. The Business User, and not Qashier, is responsible for the goods or services that you may purchase from them using the Consumer Services, including but not limited to delivery, quality of goods, returns, accuracy, refunds, fraud, advertising, customer support, protection of intellectual property rights, liability relating to the Business User’s products or services, or non-compliance with applicable law.
Your access to and use of the Consumer Services does not change your relationship with the Business User, third party services or platforms or with your bank or credit or debit card company.
Except as provided otherwise in these Terms, Qashier will not intervene in any dispute between you and a Business User for any transactions using the Consumer Services. If you find yourself in a dispute with a Business User or a third party, we encourage you to contact the other party and try to resolve the dispute. If you choose to contact Qashier’s support team regarding a Business User, you acknowledge that we may, but are not required to, forward information about your issue, such as your email address and a summary of your issue to the Business User with a request that they contact you directly to resolve your concern. Except as provided otherwise in these Terms, Qashier will not make judgments regarding factual disputes or legal issues or claims between you and the Business User, and Qashier has no obligation to resolve any disputes. You release Qashier from any claims, demands, and damages arising out of disputes relating to your use of the Consumer Services, including those with other Business Users or parties.
We make no warranties with respect to the products, services or information provided by Business Users, and we are not responsible or liable for claims, including but not limited to: (a) product liability claims in respect of Business User products; (b) claims that the offer or sale of Business User products or services fails to conform to any applicable legal or regulatory requirement; (c) claims respecting Business Users’ products, services, or practices arising under consumer protection or similar legislation; (d) any inaccurate, incomplete or out of date information offered by a Business User; (e) infringement of intellectual property rights by the Business User; or (f) the acts or omissions of any third party platform where you may interact with or purchase from.
5. Identification and Prevention of Fraud
You agree that:
Information you provide about yourself and your use of the Consumer Services must be complete and accurate as of the time provided, and you must keep this information up-to-date;
To the extent law allows, we and our service providers may verify your identity, except as otherwise provided in product-specific terms.
You must notify us immediately if you become aware of any unauthorized use or access to your account. You are responsible for any actions taken through the use of your credentials, except for actions taken after you have told us that your account or credentials have been compromised.
6. Communications via Text, Push Notification, Email, and Phone
To the extent allowable under law, by providing us with a phone number, you consent to receiving text (SMS) messages, push notifications, and phone calls from us. Such communications may include, but are not limited to, requests for authentication, receipts, reminders, notifications regarding updates to your account or account support, requests for product feedback, and marketing or promotional communications. You acknowledge that you are not required to consent to receive promotional texts or calls as a condition of using any Consumer Service. Call and text message communications may be generated by automatic telephone dialing systems. Standard message and data rates your cell phone carrier applies may apply to the text messages we send you.
You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails or by managing your communications preferences in the app. You may opt-out of text messages from Qashier by replying STOP or by following instructions that you receive in the text message. You may opt-out of phone calls by notifying the caller or by contacting support. You acknowledge that opting out of receiving communications may impact your use of Consumer Services.
7. Our Intellectual Property Rights
We reserve all rights not expressly granted to you in these Terms. The Consumer Services are protected by trademark, copyright, patent and other laws of the United States and other countries. We own all rights, title, interest in and to the Consumer Services and all copies of the Consumer Services, and all Intellectual Property Rights in them. Your use of the Consumer Services is subject to these Terms, and these Terms do not grant you any rights to our Intellectual Property Rights or the Intellectual Property Rights of our licensors, licensees, or partners.
For the purposes of these Terms, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of any state, country, territory or other jurisdiction.
8. Feedback
You may choose to submit feedback, ideas and suggestions about the Consumer Services, but it is never required. You may provide us with feedback on the Consumer Services by contacting support. You agree that we may use, integrate, and share all feedback, ideas, and suggestions you submit for any purpose and without compensation or obligation to you. You assign to us all rights, title and interest to any feedback, ideas and suggestions, including the right to use, modify and integrate them in any manner.
9. Termination
Termination by Us: We may terminate these Terms (or any part), and we may limit, suspend, change, or remove your access to any or all Consumer Services, including any feature or aspect of the Consumer Services, at any time for any reason. If commercially reasonable, we will take reasonable steps to notify you before taking any action that restricts your access to the Consumer Services. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms, we may terminate these Terms at any time without notice to you and accordingly we may terminate your access to the Consumer Services.
Termination by You: Subject to any product-specific Terms below, you may terminate any Consumer Service at any time and for any reason by terminating the Consumer Service or closing or deleting your account as described below in the QashierGo Account Terms. Termination will be effective on the date that your account is closed.
Effect of Termination. Upon termination, you will not have any further use of or access to the Consumer Services. Subject to applicable law, you will also not have any use of or access to any information you submitted through the Consumer Services, and all rights granted under these Terms will end. Termination does not relieve you of your obligations to pay amounts owed to Qashier, Business Users, or any other obligation contracted prior to termination. Termination does not revoke any third-party payment authorizations. The following provisions will survive even after these Terms terminate: Our Intellectual Property, Feedback, Disclaimer of Warranties, Limitation of Liability, Governing Law, Assignment and Third Party Beneficiaries, and Miscellaneous Terms.
10. Disclaimer of Warranties
Subject to statutory consumer guarantees, which will apply irrespective of this disclaimer, the Consumer Services are provided “as-is” and without any representation or warranty, whether express or implied. We, our affiliates, and our respective agents, contractors, and Business Users (together, the “Disclaiming Entities”) make no representation or warranty of any kind whatsoever (other than those implied by statute) with respect to the Consumer Services or the content, materials, information and functions we make accessible, and specifically disclaim all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not promise that the Consumer Services will be uninterrupted, error-free, free from cyber attacks, or secure.
The Disclaiming Entities do not control or make any warranties regarding the products or services others provide in connection with the Consumer Services. In other words, we do not have control over the businesses from which you’re purchasing when using the Consumer Services, and we do not promise or imply that the products or services you buy using the Consumer Services will work as promised or be safe to use.
Some laws limit or prohibit disclaiming the warranties referred to in the previous paragraphs, or impose obligations on us that we can’t eliminate with these Terms. In those cases, this section (Disclaimer of Warranties) does not restrict, exclude or modify any consumer rights under any applicable law.
11. Limitation of Liability
The Disclaiming Entities will not be liable to you for any failure to perform our obligation under these Terms due to a Force Majeure Event. A “Force Majeure Event” is any event beyond the control of the Disclaiming Entities that significantly impacts Qashier’s ability to perform its obligations under these Terms, including a strike or other labor dispute; labor shortage, stoppage or slowdown; supply chain disruption; embargo or blockade; telecommunication breakdown; cyber blackout; power outage or shortage; inadequate transportation service; inability or delay in obtaining adequate supplies; weather; earthquake; fire; flood; act of God; riot; civil disorder; civil or government calamity; epidemic; pandemic; state or national health crisis; war; invasion; hostility (whether war is declared or not); terrorism threat or act; Law; or act of a Governmental Authority.
Subject to applicable consumer laws in your country, which will apply irrespective of this limitation of liability, the Disclaiming Entities will not be liable to you for any failure to perform our obligations under these Terms where performance of that obligation would have put us in violation of applicable law.
The Disclaiming Entities will not be liable to you in any circumstances for: (i) Loss of business, loss of goodwill, loss of opportunity, or loss of profit; or (ii) Any loss that we could not have reasonably anticipated
Subject to the specific product Terms below and applicable consumer laws in your country, in no event will a Disclaiming Entity’s liability arising out of or in connection with these Terms exceed $100 SGD.
You and we agree that the other has relied on the disclaimer of warranties and limitation of liability stated above in entering into these Terms, the limitation and disclaimer are essential to the agreement between you and us under these Terms, and they will apply to the fullest extent allowed by law.
Some laws restrict our ability to disclaim or limit our liability. In those cases, this section does not restrict, exclude or modify any consumer rights under any applicable law.
12. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the Country of Residence (e.g. Singapore, Malaysia, Philippines, Thailand) of the applicable Qashier entity or entities, without giving effect to any conflict of law principles.
13. Assignment and Third-Party Beneficiaries
You must not assign your rights or obligations under these Terms to anyone without our prior written consent. We may delegate performing our obligations, and we may assign our rights and novate our obligations under these Terms to Qashier affiliates, at any time for any reason by providing notice to you.
14. Miscellaneous Terms
These Terms, together with the Acceptable Use Policy, and the product-specific Terms are the only agreement between you and us regarding the Consumer Services. In the event of an irreconcilable conflict or inconsistency between a provision in these Terms and any product-specific Terms below, the provision in the product-specific Terms will govern. These Terms do not create any partnership, joint venture, or other agency relationship between you and us. If we do not immediately exercise a right we have under these Terms, we do not waive that right. We retain our ability and right to enforce any part of these Terms at a later time. If any part of these Terms is found unenforceable, that part will be ignored, and all of the remaining terms will remain in effect.
15. Contact
If you have a question about the Consumer Services or how these Terms apply to you, please contact support.
QashierGo Account Terms
1. Description of QashierGo
QashierGo is a service that allows you to save and manage your information for an accelerated experience (“QashierGo” or “Go”). QashierGo powers an accelerated checkout by storing your information upon your authorization and retrieving it for faster checkouts. When you make a purchase at a business that uses Qashier and offers Go as an accelerated checkout option (a “QashierGo Merchant”), you will be asked if you would like to save your information or use your information saved to your QashierGo account for future payments across QashierGo Merchants when you are logged in with us on the same browser, app or device.
When you authorize us to save your information, you are signing up for QashierGo and creating a QashierGo account (“QashierGo Account”), and we will collect and store certain personal data from you, such as:
Your name, email address, and mobile phone number (“Account Information”);
Your credit card, debit card, bank account information, and billing address (“Payment Information”);
Your shipping address (“Shipping Information”); and
Information related to your purchase from a QashierGo Merchant, such as the order date, amount, and product details (such as name, price, photos) (“Order Information”).
Together, your Account Information, Payment Information, Shipping Information and Order Information are your “Saved Information.” We will use all personal data we collect about you in accordance with the Privacy Policy, including to develop and analyze our services and to share with our QashierGo Merchants and our Business Users. The data we share with QashierGo Merchants and Business Users may include: (i) the fact that you have a QashierGo Account, (ii) the fact that you completed a purchase using QashierGo, and (iii) the payment method type used for a purchase you made using QashierGo. Business Users are businesses that are using our products and services for business purposes, subject to the Qashier Services Agreement. We may also share your Account Information with our financial partners in order to assist you in obtaining services from our financial partners.
When you use QashierGo on a QashierGo Merchant’s website, we or the QashierGo Merchant will use cookies or similar technologies to associate your web browser, app, or device (or data regarding your web browser, app, or device) to your QashierGo Account and to recognize you when you visit that QashierGo Merchant or another QashierGo Merchant on the same web browser, app, or device. You will be able to log in to your QashierGo Account to access your Saved Information by inputting your email address and using a passkey or a verification code sent to you via SMS text message or by email. You can then make purchases using your Account Information, Payment Information, and Shipping Information across QashierGo Merchants when you are logged in with us on the same browser, app or device. When you are logged into QashierGo, we will provide the QashierGo Merchant with your Account Information, Payment Information, and/or your Shipping Information to facilitate a faster checkout. If you are not logged in to QashierGo, for example, because your session has expired, you’ve cleared your cookies, or you’re using a device that is different from the one you used to last access QashierGo, you may log in again via the same method outlined above.
2. Use of QashierGo: Your Rights and Obligations
You may only save Payment Information with us that you are authorized to use.
When you are logged into your QashierGo Account and you input or use a new payment method (such as a different debit or credit card, or a different bank account), you authorize Qashier to save that new payment method information to your QashierGo Account as part of your Payment Information. The last payment method you used to make a successful transaction may become your default payment method the next time you are completing a transaction on a QashierGo Merchant’s site.
Message and data rates may apply for any SMS messages that we send to you, or you send to us. If you have any questions about your text plan or data plan, contact your wireless or mobile provider.
We reserve the right to modify or terminate QashierGo or any of the features or tools provided therein for any reason (acting in our reasonable discretion), and at any time. We will try to notify you first unless it is unreasonable to do so.
We reserve the right to refuse service to anyone for any reason at any time.
3. Updating or terminating your QashierGo Account
These QashierGo Account Terms are effective unless and until they are terminated by either you or us. You may terminate these QashierGo Account Terms at any time by deleting your QashierGo Account.
You can manage your Saved Information on your QashierGo Account the next time you checkout on a QashierGo Merchant site. Should you update your Payment Information, you authorize Qashier to validate and store your Payment Information, including your credit card, on file.
If your access to your QashierGo Account is terminated by you or us, we will delete your Saved Information in accordance with our Privacy Policy.
4. Adding or Removing a Payment Method
You can add or remove certain payment methods to your QashierGo Account such as a credit card, debit card, a buy-now-pay-later (BNPL) account, or a bank account. Before linking a payment method, you should review and understand the consumer protection rights and remedies available for different payment sources in your jurisdiction, such as under the Electronic Fund Transfer Act (EFTA) and Fair Credit Billing Act (FCBA) in the United States.
If you add a BNPL account to your QashierGo Account, your BNPL account will remain logged-in via your QashierGo Account. This means that you will not need to separately log in to your BNPL account to access it via QashierGo. It also means that access to your QashierGo account will also provide access to your BNPL account.
Please keep your Payment Information current (e.g., credit card number and expiration date). If this information changes, you authorize us to, as permitted by and in accordance with the law, update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your Payment Information from your QashierGo Account.
Removing a payment method from your QashierGo Account does not cancel or change any amounts you still owe to a QashierGo Merchant or to a BNPL provider. Specifically, if you remove a payment method from your Saved Information, this will not terminate or cancel any outstanding payment plans you may have entered into with a BNPL provider or any subscriptions you may have purchased with a QashierGo Merchant using your Saved Information. You must cancel your subscriptions with the QashierGo Merchant directly, and you must manage your BNPL payment plans with the BNPL provider directly.
5. Backup payment method
If your default or selected payment method is unavailable, or the transaction is unsuccessful using that payment method (for example, because your Saved Bank Account has insufficient funds), the QashierGo Merchant may initiate a transaction on any other payment method saved to your QashierGo Account (a “Backup Payment Method”). Generally, transactions on Backup Payment Methods will be attempted in the following order, if applicable: (1) Saved Bank Account, (2) debit card, and (3) credit card. In some cases, a Backup Payment Method of the same type will be used (for example, if your default payment method is a card, the Backup Payment Method may also be a card).
We will identify that a Backup Payment Method applies before you complete the purchase (e.g., whether during a one-time checkout or for any subscription payments, during the initial subscription purchase).
If you do not wish to have a Backup Payment Method used, you may either (i) not consent to the use of the Backup Payment Method or (ii) manage your payment methods on your QashierGo Account.
6. Beta Program
If you would like access to Qashier’s newest products and services, you can opt in to participating in the QashierGo beta program via the settings in your QashierGo Account. When you join the QashierGo beta program, you are authorizing us to process your Saved Information to determine if you are eligible for our newest products and services. We may also send you communications to market the availability of a new product or service.
7. Security
We take the protection of your Saved Information seriously and have implemented technical and organizational measures designed to safeguard it from accidental loss and from unauthorized access, use, alteration, or disclosure. These measures include industry-standard practices and technology to help maintain the security, confidentiality, and integrity of your data.
While we strive to provide robust security, no system is completely foolproof. We cannot guarantee that unauthorized third parties will never be able to defeat our security measures or misuse your Saved Information. We encourage you to remain vigilant and take responsibility for securing your personal data, knowing that you provide it at your own risk.
8. Dormant Accounts
If your QashierGo Account remains inactive for a continuous period of two years, we may consider the account dormant and may close your QashierGo Account at our discretion (a “Dormant Account”).
A QashierGo Account is considered a Dormant Account if you have not done any of the following QashierGo Account activities during a continuous two year period:
Making a payment or purchase using QashierGo at a QashierGo Merchant;
Adding, updating or removing any of your Saved Information;
Initiating account settings changes or updating security preferences;
Engaging with customer support related to your QashierGo Account, including inquiries or disputes; or
Logging in to your QashierGo Account and browsing or reviewing transaction history.
Prior to closing the Dormant Account, Qashier will notify you using the email address associated with your QashierGo Account. Starting from the date of our notice to you, we will provide you with a period of 30 days to reactivate your QashierGo Account by logging in and performing any QashierGo Account activity listed above. If Qashier does not receive a response or the account remains inactive after the 30-day notice period, your QashierGo Account will be closed.