Version 2026-09-16 · Effective 2026-09-16

Merqo Vendor Terms of Service

These Vendor Terms of Service ("Terms") govern a business's ("Vendor", "you", "your") use of any Merqo kit (qkit, loopkit, paykit, stockkit, printkit, and any other product Merqo launches under the Merqo name, each a "Kit" and together the "Service"). By creating an account or using a Kit, you agree to these Terms on behalf of the business you represent.

Who we are

Merqo is operated by Clarence Lee, trading as Merqo (sole proprietorship, ACRA registration pending) ("Merqo", "we", "us", "our"). Merqo is a family of small-business software tools (queueing, loyalty, payments, inventory, and print-routing kits) built for small and medium-sized businesses in Singapore. Merqo's registered business form is in progress: we have applied, or intend to apply, for ACRA registration as a sole proprietorship, and this document will be updated with our UEN and registered address once that registration completes. Until then, the founder named above contracts with you personally, trading as Merqo, as set out in General terms below.

Acceptable use

You must not use the Service, or allow anyone using your account, to:

Where you use a Kit's messaging features (for example, loyalty notifications or payment reminders sent to your end customers), you are solely responsible for your own compliance with Singapore's Do Not Call Registry and the Spam Control Act in respect of everything you send. We provide the tool; you are responsible for how you use it toward your end customers.

Your account

You warrant that you have the authority to bind the business you represent to these Terms, and that the information you provide when creating an account is accurate. Each business is entitled to one account per Kit; you must not create multiple accounts for the same business to circumvent pricing, limits, or a suspension. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account, and you must notify us promptly if you suspect unauthorised access.

Fees and billing

Each Kit is billed at a flat monthly rate per Kit, as quoted to you at sign-up or shown in your dashboard. Quoted fees are shown as "GST not applicable (Merqo is not GST-registered)"; if Merqo registers for GST, GST will be added to fees billed from the date registration takes effect and this document will be updated accordingly.

Your billing cycle runs monthly from the date you first activate a paid Kit. We do not increase your fees mid-term: a price change only takes effect from your next billing cycle after the notice period described in Changes to these terms, and never during a period you have already paid for. You may cancel a Kit at any time from your account settings, or by emailing legal@merqo.io; cancellation takes effect at the end of your current billing cycle, and you retain access until then.

Refunds and cancellation

Fees already paid are not refunded on a pro-rata basis if you cancel partway through a billing cycle. You keep access for the remainder of the cycle you have paid for, but we do not refund the unused portion.

If a payment fails or is not made when due, we will notify you and attempt to collect payment for 7 days. If payment remains outstanding after that period, we may suspend your access to the affected Kit until payment is made. If payment remains outstanding for 30 days from the due date, we may terminate the affected Kit's subscription and, subject to the retention schedule in our Privacy Policy, delete the data associated with it.

Our intellectual property

We and our licensors own all right, title, and interest in the Service itself, including its software, source code, design, and the Merqo name and logo. Nothing in these Terms transfers any of that ownership to you. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable licence to access and use the Service for your business's own operations for as long as your account is active. You must not copy, reverse-engineer, resell, or create a derivative work from the Service itself, except to the extent applicable law prevents this restriction.

Your content and intellectual property

You retain ownership of everything you upload to the Service, including your logos, menu content, card art, and other materials ("Your Content"). You warrant that you own Your Content outright or hold a valid licence to use it, and that Your Content does not infringe any third party's intellectual property or other rights. You indemnify us against any third-party claim, loss, or expense arising from Your Content or from our hosting or display of it in the ordinary operation of the Service.

If we receive a credible notice that Your Content infringes a third party's rights, we may remove or disable access to that content while we investigate. We may suspend or terminate the account of a Vendor who is a repeat infringer.

Data protection

Merqo acts in different data protection capacities depending on the data. We are the controller of your cross-kit vendor identity (the account and profile data that lets you use one login across Kits), of the cross-kit customer-identity store (the shared record that recognises the same end customer across Kits), and of consent and acceptance records (including records of your acceptance of these Terms). For kit-local end customer transaction records (the day-to-day queue, loyalty, payment, inventory, and print-order data a Kit generates for your business), we act as a data intermediary, processing that data only on your written instruction (including instructions given through your configuration of a Kit). See our Privacy Policy for the full detail of what we collect, how long we retain it, and how each role applies to each category of data.

You are the data controller for your own end customers. You are responsible for giving your end customers the notices the Personal Data Protection Act requires and for obtaining any consent you need from them before you collect, use, or disclose their personal data through the Service.

Security incident notification

If we become aware of a security incident affecting personal data belonging to you or your end customers, we will notify you without undue delay after we become aware of it, with the information reasonably available to us at the time, so that you can meet your own notification obligations to the Personal Data Protection Commission and to affected individuals under Part 6A of the Personal Data Protection Act.

Vendor indemnity

You indemnify us against any third-party claim (including a claim by your end customer) and any related loss, liability, or expense, arising from: your use of the Service; Your Content; the instructions you give us for processing data; your loyalty rewards program and how you administer it; your deposits, payments, and refunds to end customers; and your relationship with your own payment service provider. This indemnity is in addition to, and does not limit, the indemnity in Your content and intellectual property above.

Service availability

The Service is provided on an "as is" and "as available" basis. We do not warrant that the Service will be uninterrupted, secure, or error-free, and we do not guarantee any specific level of uptime or availability. Except as expressly stated in these Terms, we exclude all warranties, conditions, and representations of any kind, whether express or implied, including any implied warranty of satisfactory quality, fitness for a particular purpose, or non-infringement, to the extent Singapore law allows us to do so. This section does not affect our obligations for personal data under Data protection and Security incident notification above.

Our liability to you

Nothing in these Terms excludes or limits either party's liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation; those liabilities cannot be excluded or limited under Singapore law and are not excluded or limited here.

Subject to that, we exclude liability for indirect or consequential loss, and for loss of profit, loss of data, and loss of goodwill, even if we were advised such loss was possible. Our aggregate direct liability to you arising out of or in connection with these Terms is capped at the greater of (a) the fees you paid us in the 12 months before the claim arose, or (b) SGD 500 if your fees were waived at the time the claim arose. Any claim you bring against us must be brought within 12 months of the date the cause of action arose, after which it is time-barred to the extent Singapore law allows.

Confidentiality

Each party must keep the other party's non-public information confidential and use it only to perform its obligations under these Terms, using at least the same care it uses to protect its own confidential information of a similar kind. This obligation survives termination of these Terms and does not apply to information that is or becomes public other than through a breach of this section, or that a party already lawfully held before receiving it from the other.

Force majeure

Neither party is liable for a failure or delay in performing its obligations under these Terms to the extent caused by an event beyond that party's reasonable control. This expressly includes an outage or failure of an upstream infrastructure provider the Service depends on, including Supabase, Vercel, Telegram, and, once live, Stripe. The affected party must notify the other as soon as reasonably practicable and resume performance as soon as the event ends.

Changes to these terms

We may amend these Terms on at least 30 days' notice, given by email to your account's contact address and by an in-product interstitial you see when you next sign in. A "material change" is any change that increases your obligations, reduces your rights, or increases your fees. No material change and no fee increase takes effect during a billing cycle you have already paid for. If we make a material change, you may terminate the affected Kit without penalty at any time before the change takes effect, by notifying us in the manner described in General terms. A non-material change (a typo fix or a clarification that does not change the substance of these Terms) may take effect without the notice period above; we record non-material changes in our changelog only.

Term and termination

Either party may terminate a Kit's subscription under these Terms by giving notice as described in Fees and billing (for cancellation by you) or Refunds and cancellation (for suspension and termination by us for non-payment). We may also terminate for a material breach of these Terms that is not cured within 14 days of written notice, or immediately for conduct prohibited under Acceptable use.

On termination, your data is exported or deleted in line with the retention schedule in our Privacy Policy. You may request an export of your data before termination takes effect by emailing legal@merqo.io.

Governing law and disputes

These Terms are governed by the law of Singapore. The courts of Singapore have non-exclusive jurisdiction over any dispute arising out of or in connection with these Terms, without prejudice to your right to bring a claim within the monetary limit of the Small Claims Tribunal. Before either party files a claim in court, the parties must negotiate in good faith for at least 30 days from the date one party gives the other written notice of the dispute, unless the claim is for an amount within the Small Claims Tribunal's jurisdiction, in which case that step is not required.

General terms

These Terms, together with our Privacy Policy and any Kit-specific schedule we tell you applies to your account, are the entire agreement between you and us in respect of the Service, and replace any prior agreement or understanding on the same subject, except that where a Pilot/UAT Agreement between us is in effect, that agreement prevails over these Terms for the Pilot Kits and Pilot Term it covers. If any provision of these Terms is found unenforceable, the rest continue in effect and the unenforceable provision is read down to the minimum extent needed to make it enforceable.

Notices under these Terms must be given to us in writing at legal@merqo.io, and notices to you are sent to the email address on your account.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. By agreeing to these Terms, you consent in advance to Merqo assigning or novating this agreement to a Merqo private limited company once one is incorporated, with the founder named in Who we are released from further obligation under these Terms from the date we give you written notice that the assignment or novation has taken effect.

A person who is not a party to these Terms has no right to enforce any term of these Terms; the Contracts (Rights of Third Parties) Act 2001 is excluded. We will not name you or describe you as a Merqo customer in our marketing or publicity without your prior consent.

Annex: Schedule

stockkit schedule

This Schedule supplements the Merqo Vendor Terms of Service and applies only to a Vendor's use of stockkit. Terms defined in the Terms of Service have the same meaning here. Where this Schedule conflicts with the Terms of Service in respect of stockkit, this Schedule controls.

What stockkit is

stockkit is an inventory record-keeping tool. It lets a Vendor record stock levels, log stock movements, and track what it believes it holds across items and locations.

The Vendor is responsible for what it enters, and Merqo does not verify physical stock

The Vendor is solely responsible for the accuracy of the stock records it enters into stockkit, including opening quantities, stock movements, and adjustments. Merqo does not verify physical inventory against a Vendor's stockkit records in any way. stockkit reflects only what the Vendor or its staff record, and Merqo is not responsible for a discrepancy between a stockkit record and the Vendor's actual physical stock, however that discrepancy arises.