MONOKO — TERMS AND CONDITIONS OF SERVICE (MAIN)

Last Updated: 2026-05-17 Effective Date: 1 June 2026

Operator: AEDOWON SINGAPORE PTE. LTD. (UEN 202612161D) ("Monoko", "we", "us", "our"). Aedowon Singapore may engage personnel located in various jurisdictions (including Thailand) on a contractor or employee basis bound by confidentiality and the technical and organizational measures set out in our Data Processing Addendum; such personnel act on Aedowon Singapore's authority and do not constitute separate data controllers or processors.

Service: Monoko — AI Ads Studio (Ad + Content generation), accessible via monoko.ai and any associated subdomains, mobile applications, APIs, plug-ins, browser extensions, and successor properties (collectively, the "Service").

This is the MAIN T&C — applicable to all Users of the Service. Users who additionally enroll in the Affiliate Program or the Creator/KOS Program agree to additional consent terms in Monoko-Affiliate-Terms or Monoko-KOS-Terms respectively. The FGF (Friend-Get-Friend) referral program is governed by Section 10 of this Main T&C together with the Program Rules (Monoko-Program-Rules) and does not require separate enrollment.

V4 STRUCTURAL NOTE. V4 separates stable legal framework (this Main T&C) from commercial parameters that change with markets and seasons. Specifically:

• Pricing, plans, credit allowances, add-on prices, bundles, and SKU codes are set out in the Pricing Schedule (Monoko-Pricing-Schedule), updated from time to time. The Pricing Schedule does not alter Your rights under this Main T&C.
• Promotional phase windows (Beta, Public Beta, Grand Launch, Founders' Bonus, Founder Slot cap, Beta-grad Yearly Lock mechanics, FGF caps and reward amounts, anti-fraud thresholds) are set out in the Program Rules (Monoko-Program-Rules), updated from time to time.
• This Main T&C governs rights, obligations, IP, privacy, refund principle, dispute resolution, and consent mechanics.
• Only changes to this Main T&C that materially diminish Your rights or materially increase Your obligations (see §18) require fresh acceptance. Updates to the Pricing Schedule or Program Rules apply prospectively per §5 (Dynamic Pricing) and §9 (Promotional Phases), with notice and right to cancel as described therein.

PREAMBLE — IMPORTANT NOTICE TO ALL USERS

PLEASE READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE ACCESSING OR USING THE SERVICE. THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU ("USER", "YOU", "YOUR") AND MONOKO. BY CREATING AN ACCOUNT, CHECKING THE ACCEPTANCE BOX, CLICKING "I AGREE", PAYING ANY SUBSCRIPTION FEE, OR OTHERWISE ACCESSING OR USING THE SERVICE, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY, TOGETHER WITH THE THEN-CURRENT PRICING SCHEDULE AND PROGRAM RULES.

IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, YOU MUST NOT REGISTER FOR, ACCESS, OR USE THE SERVICE.

THE FOLLOWING SECTIONS CONTAIN PROVISIONS THAT MATERIALLY AFFECT YOUR LEGAL RIGHTS, INCLUDING WAIVERS, NON-REFUND TERMS, LIMITATIONS, AND ARBITRATION REQUIREMENTS: §5 (DYNAMIC PRICING) · §6 (NO REFUND POLICY) · §7 (AI-GENERATED CONTENT & IP) · §9 (PROMOTIONAL PHASES & PROGRAMS) · §10 (FGF EMBEDDED PROGRAM) · §14 (LIMITATION OF LIABILITY) · §15 (INDEMNIFICATION) · §17 (DISPUTE RESOLUTION & GOVERNING LAW).

PLAIN-LANGUAGE SUMMARY OF KEY TERMS (non-binding; full clauses below control):

1. NO REFUND. Once You pay, Monoko does not refund. The Free tier is provided so You can try the Service before paying. Disputes are handled through chargeback and our 7-day dispute SOP, not refunds. (§6)
2. Pricing and credits are in the Pricing Schedule at monoko.ai/pricing. We may update them prospectively with notice; Your already-paid cycle is honored under §5.2. (§4, §5)
3. Promotional phases (Beta, Public Beta, Grand Launch, Founder Slot, Beta-grad Yearly Lock, Founders' Bonus) are governed by the Program Rules at monoko.ai/programs. Eligibility, caps, windows, and bonus structures are defined there. (§9)
4. Retention offers (Beta-grad Yearly Lock, Founder Slot bonus carry) generally do NOT pay Affiliate or KOS commission (CF1 / CF2 principle — see Program Rules for SKU-level detail).
5. Auto-Pilot is ULTRA-only after a trial period; trial scope is defined in the Pricing Schedule. (§4.7)
6. Bonus Credits are frozen on cancellation (revive on re-subscribe) and are not commissionable. (§4.5(d) + §11.5)

1. ACCEPTANCE OF TERMS

1.1 Binding Agreement. These Terms, together with our Privacy Notice, Cookie Notice, Acceptable Use Policy, Sub-Processor List, Data Processing Addendum, Payment Processor Partners disclosure, the Pricing Schedule, the Program Rules, the Affiliate Terms (if You enroll), the KOS Terms (if You enroll), and any plan-specific terms, addenda, order forms, or supplemental policies referenced herein or presented to You at the point of purchase or activation (collectively, the "Agreement"), constitute the entire agreement between You and Monoko with respect to the Service and supersede all prior or contemporaneous communications, proposals, representations, and agreements, whether oral or written.

1.2 Methods of Acceptance. You accept these Terms by any of the following acts, each of which independently constitutes binding acceptance: (a) clicking, tapping, or otherwise selecting any "I Agree", "Accept", "Sign Up", "Subscribe", "Pay", or substantially equivalent button, link, or control; (b) creating, registering, or activating a Monoko account; (c) paying any fee for the Service after the Terms have been disclosed; (d) accessing, downloading, installing, configuring, or using any portion of the Service; or (e) continuing to use the Service after the Effective Date of any revised version of these Terms.

1.3 Authority to Bind. If You accept these Terms on behalf of an organization, company, partnership, association, or other legal entity (an "Organization"), You represent and warrant that You have full legal authority to bind such Organization to the Agreement, that the Organization will be the contracting party, and that "You" and "Your" shall be deemed to refer jointly and severally to You and the Organization.

1.4 Capacity. You represent that You are of legal age in Your jurisdiction to enter into a binding contract and that You are not prohibited by any applicable law from receiving or using the Service.

1.5 Incorporated Documents; Order of Precedence. All policies, guidelines, and notices referenced in these Terms or otherwise made available within the Service are incorporated by reference. The Pricing Schedule and Program Rules are incorporated by reference; updates to either apply prospectively per §5 and §9 without requiring a fresh acceptance under §18 unless the update constitutes a Material Change to Your rights (§18.4). In the event of conflict:

(a) Between this Main T&C and the Pricing Schedule or Program Rules: the Main T&C controls on matters of legal rights, refund principle, IP, privacy, liability, and dispute resolution; the Pricing Schedule or Program Rules controls on matters of price, credit allowance, SKU code, window, cap, eligibility threshold, or bonus structure for the period in which it is published. (b) Between this Main T&C and the Affiliate Terms or KOS Terms: the program-specific terms control only with respect to the operation of that program (per §11.2). (c) Between this Main T&C and the Data Processing Addendum (DPA): the DPA controls on processor obligations under Thailand PDPA §40 / GDPR Art 28(3).

2. DEFINITIONS

For the purposes of these Terms, the following capitalized terms have the meanings set forth below. Definitions that specify a dollar amount, date, cap, window, or threshold are intentionally absent from this Main T&C and are defined operationally in the Pricing Schedule or Program Rules; updates to those operational definitions do not require fresh acceptance under §18.

• "AI Credit" or "Credit" — the unit of metered consumption used to measure AI operations within the Service. The reference cost anchor is published in the Pricing Schedule (subject to §5).
• "Add-On" — a one-time or recurring purchase of additional Credits, premium models, additional seats, or premium templates, as listed in the Pricing Schedule.
• "Affiliate" — a User enrolled in the Affiliate Program governed by Monoko-Affiliate-Terms.
• "Auto-Pilot" — the automated FB ad optimization suite, comprising Daily Run (automatic ad optimization) and Upload Ads (auto-publish winners). Auto-Pilot inclusion, trial scope, and tier gating are defined in the Pricing Schedule.
• "Beta-grad Yearly Lock" — a one-time annual-plan retention offer presented to active Beta subscribers at a per-user signup-anchored window defined in the Program Rules, at locked pricing per the Pricing Schedule. Treated as a new SKU; see §9.3.
• "Bonus Credit" — Credits granted to a User as part of a promotional, retention, or referral reward (Founders' Bonus, Beta-grad Lock bonus, FGF reward), distinct from Plan Credits. Bonus Credits are non-refundable, frozen on cancellation, revive on re-subscribe, and are NOT commissionable.
• "Founder Slot" — a strictly capped promotional tier offered during a defined sub-window of Beta, with cap, pricing, rate lock, and bonus carry rules set out in the Program Rules and the Pricing Schedule. See §9.2.
• "Founders' Bonus Window" — a time-bounded window during which qualifying new GL subscriptions receive bonus credits, with window dates, eligibility, and bonus structure set out in the Program Rules. See §9.4.
• "FGF Inviter" / "FGF Invitee" — a User who shares an FGF referral link / a new User who signs up through that link and meets the activation gate published in the Program Rules.
• "Generated Content" or "Output" — content produced by the Service in response to User Input, including ad creatives, marketing copy, social media posts, brand-aligned visuals, video, audio, and other promotional material.
• "Grand Launch" or "GL" — the phase from a launch date specified in the Program Rules onward, during which standard GL pricing per the Pricing Schedule applies.
• "Input" — any text, prompt, image, audio, file, brand asset, data, or other material You submit to the Service.
• "KOS" or "Creator" — a User accepted into the Key Opinion Seller program governed by Monoko-KOS-Terms.
• "Plan" — a subscription tier (Free, PRO, ULTRA, or successor tiers) with a defined term and associated Credit allowance, feature set, and seat count as set out in the Pricing Schedule.
• "PDPA" — the Personal Data Protection Act B.E. 2562 (2019) of the Kingdom of Thailand and the Personal Data Protection Act 2012 of the Republic of Singapore, as the context requires.
• "Personal Data" — has the meaning given in the applicable PDPA and/or GDPR.
• "PDPC" — the Personal Data Protection Committee of Thailand and/or the Personal Data Protection Commission of Singapore, as the context requires.
• "Pricing Schedule" — the then-current schedule of plans, prices, credit allowances, add-ons, bundles, SKU codes, and tier feature gating, published at monoko.ai/pricing and incorporated by reference. Monoko may update the Pricing Schedule prospectively, subject to §5.
• "Program Rules" — the then-current rules governing promotional phases (Beta, Public Beta, Grand Launch, and successor phases), the Founder Slot, the Beta-grad Yearly Lock, the Founders' Bonus Window, the FGF program parameters (caps, activation gate, reward amounts), free-tier conversion mechanics, anti-fraud monitoring thresholds, and similar operational program parameters, published at monoko.ai/programs and incorporated by reference. Monoko may update the Program Rules prospectively, subject to §9 and §18.
• "Promotional Phase" — any time-bounded launch phase (e.g., Beta, Public Beta, Grand Launch, or any successor or analogous phase Monoko may publish in the Program Rules), each with its own eligible SKUs, durations, and bonus rules as defined in the Program Rules.
• "Referred User" — a new User who is attributed to an Affiliate, KOS, or FGF Inviter via a tracked referral link or activation gate, and who has paid for (or, in the case of FGF, completed the activation gate of) a qualifying subscription.
• "SKU" — a unique plan code identifying a specific subscription product, listed in the Pricing Schedule.
• "Sub-Processor" — a third-party processor engaged by Monoko to process Personal Data on Monoko's behalf, including AI model providers, payment processors, and hosting providers.

3. SERVICE DESCRIPTION

3.1 Nature of the Service. Monoko is an AI Ads Studio — a Software-as-a-Service ("SaaS") platform that uses artificial intelligence, including third-party large language models, image generation models, and related machine learning systems, to assist Users in producing advertising creatives, marketing copy, social media posts, brand-aligned visuals, video assets, and other promotional content.

3.2 Functional Components. The Service comprises, without limitation: (a) Ad Generation for platforms such as Meta (Facebook/Instagram), Google, TikTok, LINE, YouTube; (b) Content Generation (long-form, short-form, supporting marketing content); (c) Brand Setting & Memory (brand voice, palette, products, audiences); (d) Asset Library; (e) Auto-Pilot suite (Daily Run + Upload Ads); (f) Credit-based AI Usage metering; and (g) Auxiliary Services (analytics, exports, integrations, add-ons).

3.3 Phased Rollout. The Service is released in phased rollout. The current and forthcoming Promotional Phases (including phase windows, eligible SKUs, and phase-specific bonuses) are defined in the Program Rules (Monoko-Program-Rules). Pricing applicable to each phase is defined in the Pricing Schedule (Monoko-Pricing-Schedule). Monoko may introduce additional Promotional Phases by updating the Program Rules; such updates apply prospectively and do not require a fresh acceptance under §18 unless they constitute a Material Change to Your existing rights.

3.4 Pre-Release Features. Features designated "Beta", "Early Access", "Preview", "Experimental", or similar are provided "AS IS" and "AS AVAILABLE", may be modified, suspended, or discontinued at any time without notice, and are not subject to any service-level commitment.

3.5 No Professional Advice. The Service does not provide legal, financial, medical, regulatory, or other professional advice. Generated Content is not a substitute for the judgment of a qualified human professional.

3.6 Modifications to the Service. Monoko may add, modify, suspend, deprecate, or remove any feature, function, integration, model, or component of the Service from time to time, subject to §5.2(b) (paid-cycle feature-set lock) for already-paid Subscribers.

4. SUBSCRIPTION PLANS, BILLING & CREDIT MECHANICS

4.1 Plans, Prices, and Credit Allowances Are in the Pricing Schedule. All current plans (Free, PRO, ULTRA, and any successor tiers), prices, monthly and yearly billing options, credit allowances, add-ons, top-ups, bundles, premium-template surcharges, and SKU codes are set out in the Pricing Schedule (Monoko-Pricing-Schedule), as updated from time to time. The Pricing Schedule forms part of these Terms.

(a) Updates apply prospectively. Monoko may update the Pricing Schedule prospectively. Any update is subject to §5 (Dynamic Pricing), including the already-paid-cycle lock in §5.2 and the renewal-notice requirements in §5.2(d) and §5.3.

(b) No re-acceptance required. Updates to the Pricing Schedule do not require a fresh acceptance under §18 unless the update is bundled with a Material Change to this Main T&C.

(c) Plan changes by You. You may upgrade or downgrade Your Plan via Your account dashboard at any time; the new rate and Credit allowance take effect on the schedule disclosed at the point of change (typically: upgrades immediate, downgrades at next renewal).

4.2 Free Tier as Trial. The Free tier is offered as the trial vehicle in lieu of a paid-tier refund. Free tier credit allowance is set in the Pricing Schedule. By providing a Free tier, Monoko gives You the opportunity to evaluate the Service before paying. You acknowledge that paid plans are non-refundable (see §6).

4.3 Monthly Subscriptions. Monthly Plans are billed in advance on a recurring monthly basis on the calendar date corresponding to Your initial activation date (or, where no such date exists in a given month, on the last day of that month).

4.4 Yearly (Annual) Subscriptions. Yearly Plans are billed in advance as a single lump sum for a 12-month commitment. Credits are delivered as a monthly drip allocation (signup-anchored — reset monthly on Your subscription.signup_day_of_month) rather than a single front-loaded grant, unless the Pricing Schedule specifies otherwise for a particular SKU.

4.5 Credit Mechanics.

(a) Plan Credits — Drip and Reset. Your monthly Credit allowance is delivered on a signup-anchored drip schedule. Yearly subscribers do not receive a front-loaded annual grant; Credits are released monthly throughout the 12-month term unless the Pricing Schedule provides otherwise.

(b) Plan Credit Expiry. Unused Plan Credits expire at each monthly reset and do not roll over.

(c) Add-On / Top-Up Credits. Top-up Credits never expire but require an active subscription to spend. If Your subscription lapses, top-up Credits are frozen and may be re-activated by re-subscribing to any paid Plan; they are not refundable in cash.

(d) Bonus Credits. Founders' Bonus credits (§9.4), Beta-grad Yearly Lock bonus credits (§9.3), and FGF rewards (§10) are frozen on cancellation and revive on re-subscribe. Bonus Credits are NOT commissionable to any Affiliate or KOS (§11.5).

(e) No Cash Value. Credits have no cash value, are not exchangeable for currency, and are not refundable.

4.6 Auto-Renewal.

(a) Disclosure. At the point of purchase, Monoko will disclose, clearly and conspicuously and in a manner separate from these Terms: (i) the recurring nature of the subscription, (ii) the billing frequency, (iii) the amount of each renewal charge, (iv) the date of the next renewal, (v) the deadline by which You must cancel to avoid the next renewal, and (vi) a plain-language description of how to cancel, including a click-through cancellation control accessible from Your account dashboard.

(b) Separate Affirmative Consent. Subscriptions automatically renew only after You have separately and affirmatively consented to auto-renewal at the point of purchase, in compliance with the U.S. FTC "Click-to-Cancel" Rule (16 CFR Part 425), the Thailand Direct Sales and Direct Marketing Act B.E. 2545, and California Business and Professions Code §17602.

(c) Pre-Renewal Reminder. Monoko will send a renewal reminder email for all auto-renewing subscriptions, regardless of price: (i) for monthly subscriptions where the renewal amount is at least USD 50 (or any subscription whose annualized price is ≥ USD 200, in compliance with California Business and Professions Code §17602 / SB-313), at least seven (7) days prior to renewal; (ii) for yearly subscriptions, at least thirty (30) days prior to renewal. Each reminder identifies the renewal date, amount, and a one-click cancellation link.

(d) Easy Cancellation. You may cancel auto-renewal at any time through Your account settings using a single-click control or by emailing billing@monoko.ai. Cancellation methods will be at least as simple as the methods used to subscribe.

(e) Authorization. By subscribing, You authorize Monoko, its Merchant of Record (currently Polar.sh), and any disclosed successor checkout or payment processor to charge Your payment method on each renewal date. Where a payment method is provided through Polar or another hosted checkout, card and wallet credentials are submitted directly to that provider and not stored by Monoko.

4.7 Auto-Pilot Tier Gating. Auto-Pilot (Daily Run + Upload Ads) is gated by Plan tier as specified in the Pricing Schedule. Trial scope (eligibility, duration, daily run limits) is published in the Pricing Schedule and may be updated prospectively per §5.

4.8 Enterprise Tier. Enterprise plans, where offered, are handled via manual triage at enterprise@monoko.ai. Default terms (seat count, volume discount range, response SLA) are published in the Pricing Schedule and Program Rules.

4.9 Cancellation by User. You may cancel auto-renewal at any time. Cancellation takes effect at the end of the then-current billing cycle. Until that date, You retain access to paid features. After the cycle ends, Your account reverts to the Free tier. No partial-period or pro-rata refunds are issued for mid-cycle cancellations. See §6.

4.10 Payment Methods. Customer checkout is provided through Monoko's disclosed Merchant of Record / hosted checkout provider (currently Polar.sh) and any successor or additional processor listed in our Payment Processor Partners document, incorporated by reference. Accepted payment methods are those displayed at checkout (for example credit/debit cards and any local payment methods supported by the checkout provider for Your jurisdiction). Monoko requires available 3-D Secure Strong Authentication ("3DS") or equivalent strong customer authentication where supported or required. Monoko may add or remove payment methods prospectively.

4.11 Failed Payments. If a payment fails, Monoko may retry the charge, suspend access, downgrade Your Plan, and/or terminate Your account. You remain liable for amounts due, plus reasonable collection costs and applicable interest at the lesser of 1.5% per month or the maximum lawful rate.

4.12 Taxes. All fees are exclusive of any applicable taxes, levies, duties, GST/VAT, withholding taxes, or similar governmental assessments. You are responsible for all taxes other than taxes based on Monoko's net income.

4.13 Currency. Fees are charged in the currency displayed at checkout (typically USD, SGD, or THB). FX conversion, if any, is performed by Your card issuer or payment processor.

4.14 Promotional Pricing. From time to time Monoko may offer promotional pricing, discounts, beta pricing, or grandfathered rates as published in the Pricing Schedule and Program Rules. Unless expressly stated in writing as "permanent" or "lifetime locked", all promotional prices are temporary and revert to standard at expiry, renewal, plan change, or as Monoko may determine per the Program Rules.

4.15 Invoices and Receipts. Electronic invoices and receipts are issued through Your account dashboard and/or by email. You agree to receive billing communications electronically.

5. DYNAMIC PRICING CLAUSE

THIS SECTION CONTAINS A MATERIAL TERM. PLEASE READ CAREFULLY.

5.1 Right to Adjust Pricing — Prospectively. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT MONOKO RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO INCREASE, DECREASE, RESTRUCTURE, OR OTHERWISE MODIFY VIA UPDATES TO THE PRICING SCHEDULE OR PROGRAM RULES:

(a) the subscription fees for any Plan (Monthly or Yearly); (b) the Credit cost (i.e., the number of Credits consumed) of any AI operation, model invocation, generation, render, image, video, audio, export, integration call, or other metered action; (c) the price, ratio, or terms of any Add-On, premium model surcharge, extra-usage pricing, prepaid credit pack, or topped-up Credits; (d) the monetary or credit value attributed to any promotion, coupon, voucher, referral bonus, or program reward; (e) the composition of features included in any Plan tier; and (f) any other monetary or quantitative term governing access to or consumption of the Service.

Such adjustments operate prospectively only, subject to the protections in §5.2.

5.2 Honoring of Existing Paid Subscriptions. Where You have already paid the full fee for a current billing cycle (Monthly or Yearly):

(a) Subscription Fee: the fee for that already-paid cycle will be honored at the originally-paid rate until end of cycle. Monoko will not charge any additional subscription fee mid-cycle for the same Plan.

(b) Plan Feature Set: the core feature set of Your Plan, as documented at the time of Your purchase, will continue to be made available to You for the duration of the already-paid cycle, except where modification is required for security, legal, regulatory, third-party-provider, or technical-feasibility reasons.

(c) Credit Allowance — Quantity: the periodic Credit allowance quantity for Your Plan tier will not be reduced below the quantity stated at the time of Your purchase for the duration of the already-paid cycle.

(d) Credit Cost per Operation — Locked Within Already-Paid Cycle. Notwithstanding §5.1(b), the number of Credits consumed per AI operation for Credits already released to Your account in respect of an already-paid billing cycle shall be the cost stated at the time those Credits were released, and shall not be increased during that already-paid cycle.

Any change to the Credit-cost-per-operation shall apply only to: (i) Credits released to Your account in future billing cycles; (ii) Add-On Credits or top-up packs purchased after the change becomes effective; and (iii) Free-tier and trial Credits, which Monoko may re-price at any time.

Where Monoko intends to change the Credit-cost-per-operation effective at Your next renewal, Monoko will provide email notice at least fourteen (14) calendar days prior to the renewal date.

(e) Add-On and Extra-Usage Rates — Prospective Only. Add-On prices, extra-usage rates, prepaid-credit-pack values, and per-action overage charges may be modified prospectively, with new rates applying to all transactions executed after the change becomes effective. Add-On Credits or top-up packs already purchased shall be honored at the rate in effect at the time of purchase until those Credits are fully consumed.

5.3 Application at Renewal. Any change to the subscription fee for a Plan applies to Your subscription at the next renewal or billing cycle following the change. By continuing use after the new rate becomes effective, or by failing to cancel before Your next renewal date, You accept the new rate.

5.4 No Compensation for Price Changes. No User shall be entitled to any refund, credit, discount, set-off, damages, or other compensation by reason of any pricing change made pursuant to this §5, except as required by mandatory applicable law.

5.5 Right to Cancel. If You do not agree with any pricing or Credit-cost adjustment that takes effect at Your next renewal, You may cancel Your subscription pursuant to §4.9 prior to the effective date of the change. This §5.5 does not limit any non-waivable statutory right You may have under applicable consumer-protection law (including the Thailand Consumer Protection Act B.E. 2522, the EU Consumer Rights Directive 2011/83/EU, the UK Consumer Rights Act 2015, or the Singapore Consumer Protection (Fair Trading) Act).

5.5A EEA / UK Consumer Termination Right on Material Price Change. Where You are a consumer resident in the EEA or UK, if Monoko makes prospective changes to the subscription fee or to the Credit-cost-per-operation that, in aggregate, exceed ten percent (10%) over any rolling twelve (12)-month period, You shall have the right to terminate Your subscription with effect from the proposed effective date and to receive a pro-rata refund of any unused prepaid fees for the then-current cycle, notwithstanding §5.4 and §6.1–§6.5. To exercise this right, notify billing@monoko.ai before the new rate takes effect.

5.6 Acknowledgement. You acknowledge that the Service operates on rapidly evolving AI infrastructure with volatile upstream costs, that the right to dynamic pricing under this §5 (subject to the §5.2 lock) is a material inducement for Monoko to offer the Service at its current rates, and that updates to the Pricing Schedule are a normal and expected feature of the Service.

6. NO REFUND POLICY

PLAIN LANGUAGE: All sales are final. Once You pay, You are not entitled to a refund. We provide the Free tier as a trial so You can evaluate the Service before paying.

6.1 General Rule — All Sales Final. Except as expressly required by mandatory applicable law that cannot be waived by contract (see §6.6 and §6.7), all fees paid to Monoko are non-refundable, in whole or in part, and are not exchangeable for cash or credit toward other products or services.

6.2 Monthly Subscriptions — No Refund. Monthly subscription fees are charged in advance for the full monthly billing cycle and are non-refundable. If You cancel mid-cycle, Your access continues until the end of the cycle and Your subscription will not auto-renew thereafter; You are not entitled to any prorated refund for unused days.

6.3 Yearly Subscriptions — No Refund. Yearly subscription fees are paid in advance and are non-refundable for the full 12-month commitment, including the Beta-grad Yearly Lock SKU (§9.3). You may cancel auto-renewal at any time to prevent the next yearly charge; access continues until the end of the already-paid year.

6.4 Add-Ons, Top-Ups, and Bundles — No Refund. Purchases of Add-Ons, top-up Credit packs, Bundles, premium model upgrades, and premium templates are non-refundable upon completion of purchase, even where the Credits or features have not yet been consumed.

6.5 Bonus Credits — Forfeit on Cancel. Founders' Bonus credits (§9.4), Beta-grad Yearly Lock bonus credits (§9.3), FGF rewards (§10), and any other Bonus Credits are non-refundable. They are frozen on cancellation and revive on re-subscribe to the same account.

6.6 EU/EEA/UK Consumer Cooling-Off (CRD Art 9, 16(m)). If You are a consumer resident in the European Economic Area or the United Kingdom, You ordinarily have a right under EU CRD 2011/83/EU Art 9 (and analogous UK regulations) to withdraw from a distance contract for digital content within fourteen (14) calendar days of conclusion. Pursuant to Article 16(m), at the point of purchase Monoko will obtain Your express consent to the supply of digital content beginning during the 14-day cooling-off period and Your express acknowledgement that You thereby lose Your right of withdrawal once supply has begun. Monoko will provide written confirmation on a durable medium (email) following purchase. Where this consent and acknowledgement is not obtained, You retain Your 14-day cooling-off right notwithstanding §6.1–§6.5.

(a) Verbatim checkout acknowledgement. For EEA / UK consumer purchases of digital content or digital services that begin immediately, the checkout must present the following unbundled, mandatory acknowledgement before payment is completed:

"I expressly request and consent to Monoko beginning supply of the digital content and digital services immediately during the 14-day withdrawal period. I acknowledge that once Monoko begins supply, I lose my statutory right of withdrawal for that digital content / digital service under EU Consumer Rights Directive Article 16(m) or the applicable UK equivalent."

(b) Durable-medium confirmation. Monoko will send a confirmation email immediately after purchase recording: (i) the text of the acknowledgement; (ii) the timestamp and account identifier; (iii) the plan or add-on purchased; and (iv) a copy of or link to these Terms in a durable medium.

(c) No acknowledgement = withdrawal preserved. If the express consent and acknowledgement in §6.6(a) is not captured, the User retains the 14-day cooling-off right notwithstanding §§6.1–6.5.

(d) Records. Monoko retains consent logs for at least the subscription term plus five (5) years, or longer where required by accounting, tax, consumer-protection, or dispute-preservation obligations.

6.7 Mandatory Statutory Rights. Nothing in this §6 limits any non-waivable statutory right to a refund, withdrawal, or cooling-off period under mandatory applicable law of Your jurisdiction. Where such a right applies, Monoko will honor it to the minimum extent required by law. Without limiting the foregoing, Singapore consumers retain all non-waivable rights under the Singapore Consumer Protection (Fair Trading) Act (Cap 52A), including (without limitation) the lemon-law remedies under §§12B–12E where applicable to digital services. Thai consumers retain all non-waivable rights under the Thailand Consumer Protection Act B.E. 2522, the Direct Sales and Direct Marketing Act B.E. 2545, and the Unfair Contract Terms Act B.E. 2540.

6.8 Chargeback Dispute SOP. Initiating a payment-card chargeback, bank dispute, or wallet reversal without first contacting Monoko's billing support shall constitute a material breach of these Terms. The dispute SOP is:

(a) First contact: Email billing@monoko.ai or support@monoko.ai. Monoko will respond within 7 days (SLA). (b) Resolution offers: in-app credits, plan switch, or extension. No cash refund is offered. (c) 3DS shield: All transactions are protected by 3DS Strong Authentication. (d) If a chargeback is filed via Your card issuer despite the SOP, Monoko will: (i) coordinate with the Merchant of Record / payment processor to submit a dispute response with usage logs, 3DS or authentication proof, and Terms-acceptance timestamp within the applicable card-network or processor dispute window (typically 7–14 days, or any different period stated by the processor); (ii) immediately suspend Your account; (iii) if the chargeback is upheld in Monoko's favor or You withdraw it, restore Your account; (iv) if the chargeback succeeds, permanently ban You and any associated accounts from the Service per §16.2, recover the chargeback amount, processing fees, and reasonable administrative costs through any lawful means, and report fraudulent disputes to relevant card networks, payment processors, and credit-reporting agencies.

6.9 Affiliate / KOS / FGF Commission Clawback on Refunds. Where a refund is granted on a transaction that previously generated an Affiliate, FGF, or KOS commission (e.g., via mandatory statutory cooling-off in §6.6), the commission is subject to clawback per the program rules in Monoko-Affiliate-Terms §6, Monoko-KOS-Terms §8, and §10 (FGF) of this Main T&C.

7. AI-GENERATED CONTENT & INTELLECTUAL PROPERTY

7.1 Definitions. "Input" and "Output" are defined in §2.

7.2 Ownership of Input. As between You and Monoko, You retain all right, title, and interest in and to Your Input, subject to the licenses granted under §7.4.

7.3 Ownership of Output. Subject to (a) Your full and timely payment of all applicable fees, (b) Your compliance with these Terms, and (c) the rights of any third-party model provider, dataset rights-holder, or upstream licensor, Monoko assigns to You all of its right, title, and interest (if any) in and to the Output produced specifically for You. You may use Output for personal or commercial purposes, including in advertising and marketing campaigns.

7.3A No Warranty of Copyrightability of Output. AI-generated Output may not be eligible for copyright or other proprietary protection in some jurisdictions. In particular, in the United States, the U.S. Copyright Office has held that purely AI-generated works without sufficient human authorship are not registrable (US Copyright Office Compendium §313.2; Thaler v. Perlmutter, D.D.C. 2023). Monoko makes no representation or warranty regarding the copyrightability or proprietary status of any Output.

7.4 License to Monoko. You grant Monoko a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, transmit, process, modify, create derivative works of, display, and otherwise use Your Input and Output to: (a) operate, provide, maintain, support, and improve the Service; (b) prevent fraud, abuse, and Terms violations; (c) comply with legal obligations; and (d) where You have separately consented, train or fine-tune AI models. Monoko shall not publicly disclose Your Input or Output as identifiable to You without Your consent, except as required by law.

7.5 No Warranty of Originality, Accuracy, or Non-Infringement. AI-generated content is probabilistic. Outputs may be similar or identical to outputs generated for other Users, may incorporate elements influenced by training data, may contain factual inaccuracies ("hallucinations"), may inadvertently resemble third-party copyrighted, trademarked, or otherwise protected material, and may not be eligible for copyright protection. MONOKO MAKES NO WARRANTY THAT ANY OUTPUT IS ORIGINAL, ACCURATE, NON-INFRINGING, COPYRIGHTABLE, OR FIT FOR ANY PARTICULAR PURPOSE.

7.6 User Responsibility for Use. You are solely responsible for: (a) reviewing all Output before publication or commercial deployment; (b) ensuring Your use of Output complies with all applicable laws, advertising-platform policies (Meta, Google, TikTok, LINE, etc.), and third-party rights; (c) obtaining all necessary clearances, releases, and permissions; and (d) verifying any factual claims, statistics, testimonials, or product representations in Output.

7.7 Monoko's Reserved IP. Monoko retains all right, title, and interest in and to the Service itself, including all software, models (including fine-tunes), system prompts, templates, brand assets, documentation, trademarks, trade dress, logos, the "Monoko" name, the monoko.ai domain, and all related IP, including derivative works, modifications, and improvements.

7.8 Limited License to User. Subject to Your compliance and timely payment, Monoko grants You a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for Your internal business or personal use during Your active subscription or active free-tier account.

(a) Scope. Limited to features, Credit allowances, and seat counts of Your active Plan. Use beyond Plan entitlement is not licensed and may be blocked or charged as Add-On / extra usage.

(b) No Implied License. No license is granted by implication, estoppel, or otherwise.

(c) Updates and Modifications. Monoko may update, modify, patch, or replace the licensed Service. Updates form part of the Service and are subject to the same license terms.

(d) License Term. Co-terminous with Your account; terminates automatically upon cancellation, suspension, termination, material breach, or discontinuation.

(e) Mobile, Desktop, Plug-In, and Browser-Extension Components.

(i) Apple-Specific Acknowledgements. For iOS / iPadOS / macOS components distributed via the Apple App Store: (A) this license is between You and Monoko only, not Apple Inc.; (B) Apple is not responsible for the licensed application; (C) Apple has no obligation to furnish maintenance or support; (D) in the event of warranty failure, You may notify Apple, who will refund the purchase price (if any), and Apple will have no further warranty obligation; (E) Monoko is solely responsible for product warranty claims and third-party IP infringement claims; (F) Apple and its subsidiaries are third-party beneficiaries entitled to enforce these Terms against You; (G) You must comply with the Apple App Store Terms of Service and Usage Rules; and (H) You represent and warrant that You are not located in a US-embargoed country and are not on any US Government list of prohibited persons.

(ii) Google Play-Specific Acknowledgements. For Android components distributed via Google Play: (A) this license is between You and Monoko, not Google LLC; (B) Google is not responsible for the licensed application; (C) You must comply with the Google Play Terms of Service and Developer Distribution Agreement.

(iii) Other Distribution Channels. For browser extensions and desktop applications distributed via Chrome Web Store, Microsoft Edge Add-ons, Microsoft Store, Mac App Store, Snap, or direct download — additional terms of the relevant distribution channel apply and are incorporated by reference.

(f) Restrictions. Without limiting §8, You shall not: (i) copy, modify, adapt, translate, or create derivative works except as permitted; (ii) reverse-engineer, decompile, disassemble, or attempt to derive source code, model weights, or system prompts (except to the extent prohibited by mandatory applicable law); (iii) remove proprietary notices; (iv) sublicense, rent, lease, lend, sell, or redistribute the Service; or (v) use the Service to develop, train, improve, or benchmark a competing product.

7.9 Feedback. Any feedback, suggestions, or recommendations You provide are non-confidential and may be used by Monoko without restriction or compensation to You.

8. ELIGIBILITY, ACCOUNT REGISTRATION & ACCEPTABLE USE

8.1 Minimum Age. You must be at least eighteen (18) years of age, or the age of legal majority in Your jurisdiction (whichever is greater), to register for, access, or use the Service (including the Free tier). The Service is not directed to and may not be used by children under 13 in any circumstance. For Users in the EEA, UK, or jurisdictions with a higher digital-consent age (e.g., 16 in some EEA Member States), that higher age applies.

Minor-blocking at registration. Date of birth or age confirmation is collected at signup. Accounts indicating an age below the applicable minimum are blocked from creation. Where a minor (13–17) wishes to use the Service in a jurisdiction whose digital-consent age permits processing with verifiable parental consent (Thailand PDPA §20, GDPR Art 8), Monoko may permit access only upon receipt and verification of documented parental or guardian consent through the dedicated parental-consent flow. Any participation in commercial-reward programs (FGF §10, Affiliate, KOS) by a User under 18 requires the same documented parental consent and may be subject to additional restrictions or disallowance at Monoko's discretion.

8.2 Sanctions and Restricted Persons. You represent that You are not located in, ordinarily resident in, or organized under the laws of any country subject to comprehensive economic sanctions administered by the UN, US (OFAC), EU, UK, Singapore, or Thailand, and are not on any sanctions, denied-parties, or restricted-parties list.

8.3 Account Creation. You must provide accurate, current, and complete information, including a valid email address and, where required, a verified mobile telephone number, government-issued identifier, or business registration document.

8.4 Account Security. You are responsible for: (a) maintaining confidentiality of credentials; (b) all activities under Your account; (c) immediately notifying security@monoko.ai of any unauthorized access or breach.

8.5 One Account per Person. Unless expressly authorized in writing, You may not maintain more than one (1) personal account. Organizations may maintain a single Organization account with multiple authorized seats per Plan.

8.6 No Transfer. Accounts may not be sold, leased, sublicensed, transferred, or assigned without Monoko's prior written consent.

8.7 Prohibited Conduct. You shall not, and shall not permit any third party to, use the Service to:

(a) generate, store, transmit, or distribute content that is unlawful, fraudulent, deceptive, defamatory, libelous, obscene, pornographic, sexually explicit, violent, hateful, harassing, threatening, abusive, or otherwise objectionable;

(b) generate, store, transmit, distribute, or solicit any child sexual abuse material ("CSAM") or any content that sexualizes, exploits, or endangers minors — such conduct will be reported to NCMEC, the Royal Thai Police, the Singapore Police Force, and any other competent authority;

(c) generate non-consensual intimate imagery, sexual deepfakes of real persons, or any synthetic media intended to defame, deceive, or harm an identifiable individual;

(d) generate content that infringes any patent, copyright, trademark, trade secret, right of publicity, right of privacy, or other IP or proprietary right;

(e) generate hate speech, content inciting violence, terrorism, extremism, or content targeting any protected group;

(f) generate disinformation, election interference content, public-health misinformation, or content designed to deceive voters, consumers, or regulators;

(g) generate fraudulent advertisements, pyramid or Ponzi schemes, fake testimonials, deceptive health/financial claims;

(h) generate content related to weapons (biological, chemical, radiological, nuclear, conventional), illegal drugs, or other regulated goods in violation of law;

(i) impersonate any person or entity, falsely state or misrepresent affiliation, or use another person's likeness without consent;

(j) reverse-engineer, decompile, disassemble, or attempt to derive source code, models, weights, or system prompts (except to the extent prohibited by applicable law);

(k) use bots, scrapers, automated agents, or any means other than published interfaces to access, query, or extract data from the Service, or otherwise circumvent rate limits, Credit metering, fair-use limits, or technical access controls;

(l) resell, sublicense, white-label, or otherwise commercially redistribute the Service or its Output as a stand-alone offering competitive with Monoko;

(m) use the Service to develop, train, improve, or benchmark a competing AI service, model, or product;

(n) introduce any virus, worm, trojan, ransomware, or other malicious code;

(o) probe, scan, or test vulnerability without prior written authorization, or breach or attempt to breach any security or authentication measure;

(p) violate the terms of service, advertising standards, developer policies, or acceptable use policies of any integrated third-party platform (including, without limitation, Meta Advertising Standards, Google Ads Personalized Advertising Policy, TikTok Advertising Policies, LINE, YouTube, applicable hosted-checkout/payment-provider acceptable-use requirements, and any successor or analogous platforms), as such policies are updated from time to time;

(q) engage in any FGF self-referral, household-account referral, sock-puppet referral, or referral-link farming, or otherwise circumvent FGF/Affiliate/KOS anti-fraud controls (including IP/device/payment-method/email-domain match blocks); or

(r) engage in any conduct that, in Monoko's reasonable judgment, restricts or inhibits another User's enjoyment of the Service or exposes Monoko to legal, regulatory, financial, or reputational harm.

8.8 Anti-Fraud Monitoring. Monoko monitors Affiliate and KOS cohorts for fraud signals during launch phases and on an ongoing basis. Where cohort-level fraud signals exceed the published threshold (see Monoko-Program-Rules §7 for the current threshold and minimum-cohort floor), Monoko may auto-pause Elite-tier promotions, hold Commission in extended escrow, and conduct manual review. Cohorts below the minimum-cohort floor are reviewed individually rather than triggered by a percentage threshold. Account suspension and commission forfeiture may follow per Monoko-Affiliate-Terms and Monoko-KOS-Terms. Tuning of fraud thresholds applies prospectively; commissions already paid out are not retroactively re-evaluated solely on threshold change.

8.9 Account Ban on Successful Chargeback. A successful chargeback against Monoko constitutes presumptive fraud and results in permanent ban of the account and any associated accounts (per §6.8(d) and §16.2).

8.10 Enforcement. Monoko may, in its sole discretion and without prior notice, investigate any suspected violation, suspend or restrict access, remove offending content, terminate the account, withhold or claw back any commissions or rewards, and report violations to law enforcement.

8.11 Notice and Takedown. Reports of allegedly infringing content may be sent to legal@monoko.ai with information required under applicable notice-and-takedown frameworks (DMCA 17 USC §512(c); Thai Computer Crime Act §20).

9. PROMOTIONAL PHASES & PROGRAMS — FRAMEWORK

PLAIN LANGUAGE: This section sets out the framework for Monoko's time-limited launch programs (Founder Slot, Beta-grad Yearly Lock, Founders' Bonus Window, and any successor or analogous programs). The specific windows, caps, prices, eligibility thresholds, and bonus structures for each program are set out in the Program Rules (Monoko-Program-Rules) and Pricing Schedule (Monoko-Pricing-Schedule) and may be updated prospectively without re-acceptance, subject to the protections in this §9.

9.1 Discretion + Right to Modify Prospectively. Programs in this §9 are offered at Monoko's sole discretion. Monoko may modify, suspend, or discontinue any Promotional Phase or program for new signups at any time by updating the Program Rules and/or Pricing Schedule, subject to honoring already-issued slots, already-paid subscription cycles (§5.2), and already-granted bonus credits.

9.2 Founder Slot — Capped Promotional Tier.

(a) Framework. The Founder Slot is a strictly capped promotional tier offered during a defined sub-window of Beta. The exact slot cap, signup window, pricing, rate-lock duration, and any bonus-carry mechanic on step-up to GL are set out in the Program Rules (Monoko-Program-Rules §2).

(b) Cap enforcement. Once the published cap is reached, the Founder Slot signup form is automatically disabled at the form level and no payment is taken; rejected applicants are auto-routed to standard Beta Tier 1 pricing without any payment-method authorization or charge attempted.

(c) Already-issued slots honored. A User whose Founder Slot signup has been accepted retains the locked pricing and rate-lock term originally stated to that User at signup, regardless of subsequent updates to the Program Rules.

(d) Founder Slot bonus carry generates NO Affiliate or KOS commission (CF2 — see §11.4 and program rules in Monoko-Affiliate-Terms and Monoko-KOS-Terms).

(e) Lifetime Founder Badge. Founder Slot accounts retain a lifetime "Founder" badge at Monoko's discretion.

9.3 Beta-grad Yearly Lock — Retention Offer Framework.

(a) Framework. The Beta-grad Yearly Lock is a one-time annual-plan retention offer presented to active Beta subscribers within a per-user signup-anchored window. The exact eligibility window (relative to each subscriber's signup date), minimum-activity threshold, locked pricing, and bonus-credit amounts are set out in the Program Rules and Pricing Schedule.

(b) No commission attribution (CF1). The Beta-grad Yearly Lock is a retention offer. The SKU change from a Beta Monthly SKU to the Beta-grad Yearly Lock SKU breaks attribution — no Affiliate commission, no KOS commission, and no FGF inviter bonus is paid on a Yearly Lock subscription. Any Affiliate or KOS commission earned on the prior Monthly subscription is not retroactively clawed back.

(c) Yearly Lock SKU is non-refundable per §6.3.

9.4 Founders' Bonus Window — Framework.

(a) Framework. The Founders' Bonus is a time-bounded window during which qualifying new GL subscriptions receive bonus credits. The exact window dates, eligibility criteria (including direct, FGF-attributed, Affiliate-attributed, KOS-attributed, and any carve-outs for carry users), and bonus structure per Plan tier are set out in the Program Rules.

(b) Bonus credits are non-refundable, frozen on cancellation, and NOT commissionable (§4.5(d), §11.5).

(c) No grace period; no extension. Subscriptions started after the published window end-date receive standard pricing without bonus.

9.5 Free Tier Conversion. Free-tier conversion mechanics — including consumption thresholds for soft modals, hard-lock points, email and LINE OA drip schedules, behavioral-trigger bonuses, and anti-fraud carry rules — are operational and set out in the Program Rules.

9.6 Already-Issued Slots, Bonuses, and Lock-Ins Honored. For the avoidance of doubt: any change to the Program Rules or Pricing Schedule does not retroactively reduce the value or duration of: (a) a Founder Slot rate-lock already granted to a specific User; (b) Bonus Credits already issued to a User's account; (c) a Beta-grad Yearly Lock already accepted by a User; or (d) any other rate-lock or bonus already granted at a specific User level.

9.7 Right to Cancel on Material Adverse Change to a Program-Level Rule for Existing Subscribers. If Monoko updates the Program Rules in a way that materially diminishes the value of a Promotional-Phase benefit You have already accepted and paid for (for example, reducing the duration of a rate-lock You have already begun, or removing a bonus-carry mechanic Monoko explicitly committed to at the time of Your Founder Slot signup), You may cancel Your subscription with effect from the change's effective date and receive a pro-rata refund of unused prepaid fees for the then-current cycle, notwithstanding §6.

10. FRIEND-GET-FRIEND (FGF) PROGRAM — EMBEDDED IN MAIN T&C

PLAIN LANGUAGE: FGF is a peer referral program built into the Service. It is open to all Users (no separate enrollment); a User who shares an FGF link is the "Inviter", a new User who signs up through the link and meets the activation gate is the "Invitee". Rewards are paid in Credits (not cash) and are NOT commission income. Cap per Inviter, activation gate, and reward amounts are set out in the Program Rules (Monoko-Program-Rules §5).

10.1 FGF is Open to Eligible Users; No Separate Enrollment. Participation in FGF is open to active Monoko Users (Free or paid) who meet the age requirement in §8.1 and who have completed identity-light verification (verified email plus verified mobile phone). By holding such an active account, You are automatically eligible to share an FGF referral link via Your account dashboard. Users under the applicable minimum age in §8.1 are not eligible to participate in FGF, even where the underlying Free or paid Plan is permitted by parental consent under §8.1, except that Monoko may, at its sole discretion, allow FGF rewards to be received and held in the parent or guardian's verified account.

10.2 Cap and Activation Gate. Each Inviter is capped at a maximum number of successful invites per rolling window, and a referral becomes a "successful invite" only when the Invitee passes a published activation gate. The exact cap, rolling-window duration, and activation-gate criteria (e.g., subscription tenure days + minimum ad-generation count) are set out in the Program Rules.

10.3 Reward Structure. Reward amounts (Credits per Inviter and per Invitee) are set out in the Program Rules. FGF Credits are Bonus Credits (§4.5(d)) — they do not expire while the recipient holds an active subscription, are frozen on cancellation and revive on re-subscribe, and are NOT commissionable (§11.5). Rewards are credited within 7 days after the activation gate is met.

10.4 No Inviter Bonus on Yearly Lock (CF3). Where an Invitee subsequently elects the Beta-grad Yearly Lock (§9.3) or any other retention SKU, no additional FGF reward is paid to the Inviter. The original FGF reward at the activation gate is the sole entitlement.

10.5 Anti-Fraud Controls.

(a) No self-referral. You may not refer Your own accounts, household-member accounts, or accounts You control directly or indirectly. Self-referral patterns, including circular referrals, will be detected and the rewards forfeited. (b) Match blocks. IP, device fingerprint, payment-method hash, and email-domain match are checked at activation; matched referrals are rejected. (c) Reward currency lock. FGF rewards are AI Credits ONLY. No Baht, USD, voucher, or external currency is offered. (d) Active subscription required to spend. FGF Credits are spendable only while the recipient holds an active Free or paid subscription. They do not expire but are frozen on lapse and revive on re-subscribe.

10.6 No Tax Reporting Obligation for FGF. Because FGF rewards are AI Credits (not cash), they are not generally treated as taxable income. You are nonetheless solely responsible for any tax treatment in Your jurisdiction. Affiliates and KOS receive cash payouts and do have tax reporting obligations — see Monoko-Affiliate-Terms and Monoko-KOS-Terms.

10.7 Termination of FGF Eligibility. Monoko may suspend or terminate Your FGF eligibility for breach of this §10, suspected fraud, or any other ground in §8.7. Any pending rewards may be forfeited.

10.8 Updates to Caps and Activation Gates Apply Prospectively. Changes to the FGF cap, activation gate, or reward amounts in the Program Rules apply to future referrals only. Already-credited FGF rewards and already-pending referrals (i.e., Invitees who have begun the activation-gate clock before the change) are honored under the rules in effect at the time the Invitee signed up.

11. AFFILIATE AND KOS PROGRAMS — REFERENCE

11.1 Separate Program Documents. Monoko offers two cash-commission referral programs that require separate enrollment and additional consent, in addition to this Main T&C:

(a) the Affiliate Program (Monoko-Affiliate-Terms) — recurring commission program; phase eligibility, commission rates, SKU eligibility, payout schedule, and anti-fraud holds are set out in the Affiliate Terms and (where time-bounded) the Program Rules.

(b) the Creator / Key Opinion Seller (KOS) Program (Monoko-KOS-Terms) — recurring commission program with content production requirements; phase eligibility, commission rate, SKU eligibility, payout schedule, and content standards are set out in the KOS Terms and (where time-bounded) the Program Rules.

11.2 Incorporation by Reference; Enrollment Required. Where You enroll in either program by ticking the additional consent checkbox at enrollment, the program-specific terms are incorporated into the Agreement and apply in addition to this Main T&C. In the event of conflict, the program-specific terms control with respect to the operation of that program. For the avoidance of doubt, the Affiliate Terms and KOS Terms apply only to Users who have so enrolled; Users who have not enrolled in either program are bound only by this Main T&C (including §10 FGF, which does not require separate enrollment).

11.3 Baseline Anti-Abuse Rules — Apply to All Programs.

(a) No self-referral. No self-referrals, household-member referrals, or accounts You control directly or indirectly.

(b) Commission clawback on refund or chargeback. Any commission paid on a transaction subsequently refunded (e.g., via §6.6 EU/UK cooling-off) or charged back is clawed back per program rules.

(c) Tax responsibility. You are solely responsible for declaring, reporting, and paying any income tax, withholding, GST/VAT, or other tax on commission earnings. Monoko may withhold tax as required by Singapore IRAS or Thailand Revenue Department rules. See program terms.

(d) Anti-fraud monitoring. Monoko monitors Affiliate and KOS cohorts for fraud; threshold parameters, cohort-floor minimums, and escalation steps are set out in §8.8 and Monoko-Program-Rules §7.

11.4 Retention Offer Attribution Lock (CF1, CF2). Beta-grad Yearly Lock (§9.3) and Founder Slot bonus carry (§9.2) generate NO Affiliate or KOS commission. This is implemented at the SKU-transition level: when a subscription transitions to a retention-offer SKU, the system sets referrer_attribution = NULL for the new SKU.

11.4A Public Beta Carry-User Step-Up. Where a Public Beta carry-user (a User whose Public Beta Tier 1 subscription continues into Grand Launch — see Program Rules §1.2(b)) steps up to GL Monthly during the Founders' Bonus Window, no Founders' Bonus is issued to that User; however, the underlying GL Monthly subscription remains fully commissionable under the Affiliate or KOS program, with Commission calculated on the GL Monthly subscription price per Monoko-Affiliate-Terms and Monoko-KOS-Terms. The bonus exclusion is User-side only and does not affect Affiliate or KOS commission accrual on the underlying subscription price.

11.5 Bonus Credits Not Commissionable. Affiliate and KOS commission base = subscription price actually paid by the User — NOT including the cost of any Bonus Credits granted (Founders' Bonus, Beta-grad Lock bonus, FGF rewards, Founder Slot bonus carry). This rule applies uniformly across all programs.

12. DATA PRIVACY & PDPA / GDPR COMPLIANCE

12.1 Privacy Notice. Monoko's collection, use, disclosure, and protection of personal data is described in detail in our Privacy Notice, available at monoko.ai/privacy and incorporated by reference. The Privacy Notice is supplemented by our Cookie Notice, Sub-Processor List, and Data Processing Addendum, each incorporated by reference.

12.2 Data Controller and Processor.

(a) Aedowon SG = Sole Data Controller AND Sole Data Processor. AEDOWON SINGAPORE PTE. LTD. (UEN 202612161D), Singapore, is the sole data controller and sole data processor within the meaning of Singapore PDPA, Thailand PDPA, and GDPR for personal data of all Monoko Users, including Users resident in Thailand. No other Aedowon-group entity processes Monoko User personal data; any other Aedowon-group entity operates separate businesses unrelated to Monoko and is not party to this Agreement.

(b) Thai-based personnel. Aedowon Singapore engages personnel located in Thailand and other jurisdictions (on a contractor or direct-hire basis) to perform Thai-language customer support, KOS content review, fraud-monitoring operations, KOS / Affiliate onboarding review, and other operational functions on Aedowon Singapore's behalf. Such personnel access User personal data only as authorized agents of Aedowon Singapore, bound by confidentiality undertakings and the technical and organizational measures set out in our Data Processing Addendum. The physical location of such personnel does not, in itself, transfer controllership or processorship to another legal entity.

(c) Recipient categories — data flows. Monoko User personal data is processed by Aedowon Singapore (including via its authorized personnel located in Thailand and other jurisdictions); customer checkout, subscription billing, tax calculation, and chargeback management are handled by the disclosed Merchant of Record / payment processors (currently Polar.sh) and payout or banking partners only where needed for Affiliate / KOS payouts or settlement; AI inference is handled by upstream Sub-Processors (§12.7) globally per safeguards in §12.3(e). The full mapping is published in the Privacy Notice and updated upon material changes.

12.3 Compliance with the Singapore PDPA 2012 and the Thailand PDPA B.E. 2562 (2019).

(a) Lawful Basis (Singapore PDPA §13–14, Thailand PDPA §24, GDPR Art 6). Monoko processes personal data on one or more of: (i) Your consent; (ii) performance of the Agreement; (iii) compliance with legal obligation; (iv) protection of vital interests; (v) public interest; (vi) Monoko's legitimate interests (not overridden by Your fundamental rights).

(b) Sensitive Personal Data (Thailand PDPA §26; Singapore PDPA Schedule 2; GDPR Art 9). Monoko does not require, and discourages submission of, sensitive personal data. Where such data is processed by Monoko about You, explicit consent is obtained. Where Your Input contains sensitive personal data of third parties (including data revealing health, race or ethnicity, religion, sexual orientation, biometric, genetic, criminal-record, or political-opinion data), You represent and warrant that You have obtained the necessary explicit consent from those data subjects under Thailand PDPA §26, Singapore PDPA Schedule 2, and/or GDPR Art 9, and You shall indemnify Monoko under §15.1 against any claim arising from Your failure to do so.

(c) Data Subject Rights. As a data subject, You have the right to: (i) be informed of the categories of personal data collected, the purposes of processing, retention periods, recipients, and (where data is collected from third parties) the source — Thailand PDPA §23, GDPR Arts 13–14, Singapore PDPA §20; (ii) access Your personal data — Thailand PDPA §30, Singapore PDPA §21, GDPR Art 15; (iii) request a copy or transfer (data portability) — Thailand PDPA §31, GDPR Art 20; (iv) object to processing — Thailand PDPA §32, GDPR Art 21; (v) request erasure or destruction — Thailand PDPA §33, GDPR Art 17; (vi) request restriction of processing — Thailand PDPA §34, GDPR Art 18; (vii) request rectification of inaccurate data — Thailand PDPA §35–36, GDPR Art 16; (viii) withdraw consent at any time (without affecting prior lawfulness) — Thailand PDPA §19 ¶5, Singapore PDPA §16, GDPR Art 7(3); (ix) lodge a complaint with the PDPC of Thailand or Singapore, or Your local supervisory authority; and (x) Statutory response timelines. Monoko will respond to verified data-subject requests within thirty (30) calendar days of receipt, extendable by a further sixty (60) days for complex or high-volume requests, with prior notice and reasons given to the data subject within the original 30-day period, in accordance with Thailand PDPA §32, Singapore PDPA §21(2) and the SG PDPC Advisory Guidelines, and GDPR Art 12(3).

(d) Retention Schedule. Personal data is retained only for as long as necessary to fulfill the purposes for which collected, to meet legal and regulatory retention requirements, and to resolve disputes and enforce agreements. The following baseline retention periods apply (subject to longer mandatory legal-hold periods); a current detailed retention schedule is published in the Privacy Notice:

After the applicable retention period, personal data is securely deleted or irreversibly anonymized.

(e) Cross-Border Transfer (Thailand PDPA §§28–29; Singapore PDPA §26; GDPR Chapter V). Personal data may be transferred to jurisdictions outside Thailand, Singapore, or the EU/EEA. For routine recurring transfers to AI Sub-Processors and infrastructure providers, Monoko relies primarily on Standard Contractual Clauses (SCCs) and adequacy decisions, with consent and contract-necessity used only as fallback bases. Such transfers are made under one or more of, in order of preference:

(i) Standard Contractual Clauses approved by the European Commission (Decision 2021/914) or by the PDPC, or Binding Corporate Rules approved by the competent supervisory authority (Thailand PDPA §29; GDPR Arts 46, 47); (ii) the recipient jurisdiction has been recognized as providing adequate protection by the Thailand PDPC (Thailand PDPA §28(2)) or by the European Commission (GDPR Art 45); (iii) the transfer is necessary for performance of the contract with You (Thailand PDPA §28 ¶2(3); GDPR Art 49(1)(b)) — used as primary basis where no SCC / adequacy is available; (iv) Your explicit consent after being informed of the absence of adequate safeguards (Thailand PDPA §28 ¶2(2); GDPR Art 49(1)(a)) — used only as a last-resort basis for occasional transfers; (v) compliance with legal obligation, public interest, vital interests, legal claims, or other lawful mechanisms permitted by the PDPC or under GDPR.

A current list of recipient jurisdictions and applicable safeguards by Sub-Processor is published in the Privacy Notice.

(f) Data Protection Officer (DPO). dpo@monoko.ai

(g) Security and Breach Notification. Monoko implements administrative, technical, and physical safeguards consistent with industry standards and the PDPAs' security requirements (Thailand PDPA §37, Singapore PDPA §24, GDPR Art 32). In the event of a personal-data breach, Monoko will notify regulators and affected data subjects in accordance with the following statutory clocks:

(i) Thailand PDPA §39 + EU GDPR Arts 33–34 — 72 hours. Monoko will notify the Thailand PDPC and (where relevant) EU supervisory authorities, and affected data subjects where the breach is likely to result in a high risk to rights and freedoms, within seventy-two (72) hours of becoming aware of the breach.

(ii) Singapore PDPA §§26B–26D + PDPA (Notification of Data Breaches) Regulations 2021 — 3 calendar days. Where the breach is a Notifiable Data Breach under the Singapore PDPA (i.e., it results in or is likely to result in significant harm to affected individuals, or it is of a significant scale of 500+ individuals), Monoko will notify the Singapore Personal Data Protection Commission (PDPC) as soon as practicable, and in any event no later than three (3) calendar days after Monoko has credibly assessed the breach as notifiable, and will notify affected individuals where the breach is likely to result in significant harm, in accordance with the Singapore PDPA (Notification of Data Breaches) Regulations 2021 and the PDPC's Advisory Guidelines.

(iii) U.S. state breach laws. Monoko will additionally comply with applicable U.S. state breach-notification statutes for affected residents.

12.4 GDPR-Aligned Principles (EU/EEA/UK Users). For Users in the EEA, UK, or Switzerland, Monoko adheres to GDPR principles (lawfulness, fairness and transparency; purpose limitation; data minimization; accuracy; storage limitation; integrity and confidentiality; accountability) and corresponding rights.

12.5 U.S. Consumer Protection Baselines. Monoko adheres to applicable U.S. state privacy laws (CCPA / CPRA, VCDPA, CPA, CTDPA, UCPA) and FTC norms regarding subscription auto-renewal, AI-generated content, and refund eligibility. Monoko does not "sell" or "share" personal information for cross-context behavioral advertising as those terms are defined under California CCPA / CPRA, Virginia VCDPA, Colorado CPA, Connecticut CTDPA, or Utah UCPA, except where the User has affirmatively opted in to ad-network data sharing under §13B. U.S.-resident Users may exercise rights to know, delete, correct, and opt-out of any future "sale" or "sharing" by contacting privacy@monoko.ai or dpo@monoko.ai, or via the in-app privacy controls; the Privacy Notice provides the dedicated "Do Not Sell or Share My Personal Information" link required by California law where applicable.

12.6 Cookies and Tracking. The Service uses cookies, local storage, and similar technologies as described in our Cookie Notice, incorporated by reference. Strictly necessary cookies are set without consent. All non-essential cookies — including analytics, retargeting, and the 90-day Affiliate / KOS attribution cookie — are set only where the User has affirmatively consented via Monoko's cookie banner, in compliance with the EU ePrivacy Directive Art 5(3), the UK PECR, and Thailand PDPA §24. The 90-day Affiliate / KOS attribution cookie is classified as non-essential because it serves the Affiliate's or KOS's commission rather than the User's primary use of the Service. Where consent to the attribution cookie is withheld, attribution falls back to login-based identifiers (account ID, email at signup, payment-method hash) within the same 90-day window — a privacy-preserving fingerprint fallback. The cookie banner permits granular reject of any non-essential cookie category, including a single-click "reject all non-essential" control. Monoko also implements a landing-page cookie banner that captures consent before the attribution cookie is set on the Invitee's device.

12.7 Sub-Processors. Inputs and Outputs may be processed by third-party AI model providers, payment processors, hosting providers, and other Sub-Processors as listed in our Sub-Processor List, incorporated by reference, which is updated upon any change. Monoko will provide at least thirty (30) days' prior notice (via the Sub-Processor List update plus email to the billing-contact on record) before engaging any new material Sub-Processor or replacing an existing material Sub-Processor with one in a different jurisdiction. You may object to such change on reasonable grounds within that 30-day notice period; if Monoko is unable to accommodate the objection, either party may terminate the affected portion of the Service with refund of unused prepaid fees per §6.7 (mandatory statutory rights) and §16.3.

12.8 Monoko as Processor for User-Uploaded Personal Data; Data Processing Addendum. Where Your Inputs contain personal data of third parties (e.g., customer audience lists for retargeting, contact lists, leads, employee data), Monoko acts as a Processor on Your behalf and You act as Controller. Monoko undertakes the obligations required of a Processor under Thailand PDPA §40 and GDPR Art 28(3), as set out in our Data Processing Addendum (DPA), which is incorporated by reference into the Agreement. In case of conflict between this Main T&C and the DPA with respect to processor obligations under TH PDPA §40 / GDPR Art 28(3), the DPA controls.

13. CONSENT — REQUIRED + OPTIONAL (4-CHECKBOX ARCHITECTURE)

PRESENTATION NOTICE TO IMPLEMENTATION TEAM: §13 (required), §13A (optional marketing), §13B (optional ad-network), and §13C (optional newsletter) are presented to the User as four distinct checkboxes at registration, plan upgrade, and material amendment. The first is required; the remaining three are pre-unchecked and optional. Verbatim checkbox text below.

13.0 Unified consent architecture — Monoko / AEDOWON SG. Monoko uses a unified consent architecture under the AEDOWON SINGAPORE PTE. LTD. operating entity so that required service consent, optional marketing consent, optional ad-network consent, and optional newsletter consent are captured in a consistent way across AEDOWON SG products. This architecture does not mean that marketing or ad-network consent is automatically shared across products. Cross-platform marketing, audience building, or analytics sharing between Monoko and any other AEDOWON SG product (including Pammo) occurs only where the User has affirmatively opted in for that purpose on the relevant product, or where another lawful basis applies and the Privacy Notice discloses the purpose. A refusal or withdrawal of optional consent on one product does not reduce Service access on Monoko and does not create consent on any other product.

13.1 Required Consent. By checking the "I Agree" checkbox, You confirm that You:

(a) have read, understood, and agree to be bound by these Terms, the then-current Pricing Schedule and Program Rules, the Privacy Notice, the Cookie Notice, the Acceptable Use Policy, and all incorporated policies of Monoko; and (b) consent to Monoko's collection, use, storage, disclosure, and processing of Your personal data as strictly necessary to provide, bill, secure, support, and lawfully operate the Service.

13.1A Cross-Border Transfer — Contract-Necessity Basis. Monoko performs cross-border transfers of Your personal data to its affiliates, Sub-Processors, AI model providers, payment processors, and hosting providers located outside Your country of residence (including Singapore, Thailand, the United States, the European Union, and other jurisdictions) on the lawful basis of necessity for the performance of Your contract with Monoko (Thailand PDPA §28 ¶2(3); GDPR Art 49(1)(b)) and, for routine recurring transfers, under Standard Contractual Clauses or adequacy decisions per §12.3(e). Cross-border transfer is not bundled with the §13.1 required-consent checkbox; it is performed on the contract-necessity basis described above. Where consent is required for any specific transfer (e.g., a transfer to a non-adequate jurisdiction without SCCs), Monoko will obtain that consent separately and prospectively.

13.2 Verbatim Required-Consent Checkbox Text.

"I have read and agree to the Monoko Terms and Conditions, the then-current Pricing Schedule and Program Rules, the Privacy Notice, the Cookie Notice, and the Acceptable Use Policy, and I consent to Monoko's processing of my personal data as necessary to provide and secure the Service. I understand that the Pricing Schedule and Program Rules may be updated prospectively without re-acceptance, subject to §5 (Dynamic Pricing) and §9 (Promotional Phases). I understand that cross-border transfer of my personal data is performed on the lawful basis of contract-necessity (and, where applicable, under Standard Contractual Clauses or adequacy decisions), as further described in §12.3(e) and §13.1A."

13.2A Conditions of valid required consent. The registration and checkout interface must require the User to: (a) open or scroll through the Terms, Pricing Schedule, Program Rules, Privacy Notice, Cookie Notice, and Acceptable Use Policy before the required checkbox can be completed; (b) confirm that the User is at least eighteen (18) years old or the age of legal majority in the User's jurisdiction; and (c) where Monoko later permits access by Users below the age of majority, complete a separate parental / guardian-consent flow before account activation. Until that separate minor flow is implemented, §8.1's 18+ requirement controls and under-18 Users may not register.

13.3 Consequence of Refusal. If You do not give the §13.1 consent, You cannot register for or use the Service.

13.4 Voluntariness and Withdrawal. Consent is given freely. You may withdraw it at any time using one-click in-app privacy controls (Account → Privacy → "Withdraw consent"), or by emailing dpo@monoko.ai. Withdrawal mechanisms are at least as easy as the original consent action. Monoko commits to processing valid withdrawal requests within seven (7) calendar days of receipt. Withdrawal does not affect lawfulness of prior processing. Where withdrawal makes the Service impossible to provide, Your account will be suspended or terminated upon Your written request.

13A. MARKETING CONSENT — OPTIONAL (SEPARATE CHECKBOX)

13A.1 Optional Marketing Consent. Separately and optionally, You may opt in to receive marketing communications from Monoko by checking a distinct, pre-unchecked checkbox.

13A.2 Verbatim Marketing-Consent Checkbox Text.

"☐ I would like to receive marketing communications from Monoko (product updates, promotions, surveys, educational content, success stories, and recommendations) by email, SMS, in-app, push, and LINE. I can withdraw this consent at any time without affecting my access to the Service."

13A.3 No Effect on Service Access. Refusal of, or withdrawal from, marketing consent has no effect on Your access to or use of the Service.

13B. ADVERTISING-NETWORK / REMARKETING CONSENT — OPTIONAL

13B.1 Optional Ad-Network Consent — Per-Network Granularity. Where You opt in to marketing under §13A, You may further opt in to disclosure of behavioral and inferred-preference data to Monoko's third-party advertising networks for retargeting. Consent is collected on a per-network basis (separate sub-checkbox per ad network), and You may add, remove, or change which networks receive Your data at any time via the in-app privacy controls. Ad-network sharing for U.S.-resident Users that would otherwise constitute "selling" or "sharing" under CCPA/CPRA, VCDPA, CPA, CTDPA, or UCPA occurs only with this affirmative opt-in (see §12.5).

13B.2 Verbatim Ad-Network Checkbox Text.

"☐ I consent to Monoko sharing my behavioral and usage data for retargeting and audience creation with the following third-party advertising networks (select each separately): ☐ Meta (Facebook / Instagram) ☐ Google (Google Ads / YouTube) ☐ TikTok ☐ LINE Ads ☐ (other networks, listed in the Privacy Notice; per-network sub-checkbox) I can change my selection or withdraw any of these consents at any time via Account → Privacy → Ad-Network Sharing."

13B.3 No Effect on Service Access. Refusal of this consent has no effect on the Service.

13C. NEWSLETTER SUBSCRIPTION — SEPARATE OPT-IN

13C.1 Independent and Optional. The Monoko Newsletter is independent of and not bundled with §13/13A/13B consents.

13C.2 Verbatim Checkbox Text.

"☐ Yes, please subscribe me to the Monoko Newsletter — I would like to receive curated industry insights and editorial content from Monoko by email. (Optional. I can unsubscribe at any time.)"

13C.3 Unsubscribe. Via unsubscribe link in any Newsletter email or by emailing newsletter@monoko.ai. Unsubscribing does not unsubscribe You from transactional, billing, security, or service-related communications.

13C.4 EU/UK double opt-in. For Users who self-declare residence in the EEA or United Kingdom, or where Monoko reasonably detects an EEA/UK signup context, Newsletter subscription requires double opt-in: Monoko sends a confirmation email and activates Newsletter delivery only after the User clicks the confirmation link. Monoko logs the confirmation timestamp, email address, IP / device metadata where lawful, and Newsletter consent version.

14. LIMITATION OF LIABILITY

14.1 Disclaimer of Warranties. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, OR THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

14.2 Exclusion of Damages. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MONOKO, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SUB-PROCESSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST GOODWILL, BUSINESS INTERRUPTION, OR THE COST OF SUBSTITUTE SERVICES.

14.3 Aggregate Cap. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MONOKO'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES ACTUALLY PAID BY YOU TO MONOKO IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US$100) (or the THB equivalent at the prevailing rate, where THB-denominated). For consumer Users (i.e., Users acting outside their trade, business, craft, or profession), where mandatory law of the User's jurisdiction prohibits or limits the application of the US$100 floor, the floor in (B) is suspended to the minimum extent necessary to comply with that mandatory law; the (A) actual-fees cap and §14.6 non-waivable carve-outs continue to apply. For business Users (Users acting in the course of trade, business, or profession), the (B) floor applies in full.

14.4 AI-Specific Disclaimers. WITHOUT LIMITING THE FOREGOING, MONOKO DISCLAIMS ALL LIABILITY FOR: (A) FACTUAL INACCURACIES, FABRICATIONS, OR "HALLUCINATIONS" IN OUTPUT; (B) ANY DECISION, ADVERTISEMENT, OR COMMERCIAL ACTION YOU TAKE BASED ON OUTPUT; (C) ANY THIRD-PARTY CLAIM ARISING FROM OUTPUT; (D) ANY ENFORCEMENT ACTION BY ANY ADVERTISING PLATFORM, REGULATOR, OR CONSUMER-PROTECTION AUTHORITY; AND (E) ANY DOWNTIME, MODEL CHANGE, RATE-LIMIT, OR DEPRECATION BY ANY UPSTREAM AI MODEL PROVIDER.

14.5 Essential Basis. YOU ACKNOWLEDGE THAT THE LIMITATIONS IN THIS §14 ARE A FUNDAMENTAL BASIS OF THE BARGAIN.

14.6 Non-Waivable Rights & Carve-Outs. Nothing in this §14 shall limit, exclude, or modify Monoko's liability for: (a) death or personal injury caused by Monoko's negligence; (b) fraud or fraudulent misrepresentation; (c) Monoko's gross negligence or willful misconduct; (d) breach of intellectual property rights; (e) statutory data-protection damages where mandatory law (Thailand PDPA §77, Singapore PDPA §32, GDPR Art 82) prohibits limitation; (f) Monoko's express indemnification obligations; or (g) any other liability that cannot be excluded under mandatory applicable law. Some jurisdictions do not allow the exclusion or limitation of certain warranties; in such jurisdictions, Monoko's liability is limited to the minimum extent permitted by law.

15. INDEMNIFICATION

15.1 Your Indemnification of Monoko. You agree to defend, indemnify, and hold harmless Monoko, its affiliates, officers, directors, employees, agents, licensors, and Sub-Processors (the "Indemnified Parties") from any claims, demands, suits, proceedings, losses, liabilities, damages, judgments, fines, penalties, costs, and expenses (including reasonable attorneys' fees) arising out of:

(a) Your use or misuse of the Service; (b) Your Input or Your use of any Output; (c) Your breach of these Terms or any incorporated policy; (d) Your violation of any law, regulation, or third-party right; (e) any advertisement, marketing claim, or commercial communication You publish; (f) any tax obligation arising from Affiliate, FGF, or KOS earnings paid to You; and (g) any chargeback, refund-fraud, or payment-dispute determined to be invalid.

15.1A Consumer-User Carve-Out. §15.1 does not apply to consumer Users (i.e., Users acting outside their trade, business, craft, or profession) to the extent prohibited by mandatory consumer-protection law of the User's jurisdiction (including the EU Unfair Contract Terms Directive 93/13/EEC Annex 1(b), the Thailand Unfair Contract Terms Act B.E. 2540, the Singapore Consumer Protection (Fair Trading) Act, and analogous regimes). For consumer Users, the obligation under §15.1 is limited to claims arising from Your wilful misconduct, gross negligence, fraud, or breach of §8.7.

15.2 Conduct of Defense. Monoko reserves the right, at its expense, to assume the exclusive defense and control of any matter subject to indemnification by You. You shall not settle any claim that admits Monoko's liability or imposes any obligation on Monoko without Monoko's prior written consent.

16. TERMINATION

16.1 Termination by You. You may terminate Your account at any time by canceling auto-renewal pursuant to §4.9 and, after expiry of any paid commitment, deactivating Your account. Termination by You does not entitle You to any refund except per §6.6 (mandatory statutory rights), §5.5A (EEA/UK material-price-change), or §9.7 (Program Rules material-adverse-change).

16.2 Termination by Monoko — For Cause. Monoko may suspend or terminate Your account, with or without notice, for cause, including: (a) Your material breach of these Terms; (b) any prohibited conduct under §8.7; (c) non-payment; (d) initiation of an invalid chargeback (§6.8 — automatic permanent ban); (e) suspected fraud, abuse, or security risk (§8.8); (f) requirement by law, regulation, or court order; or (g) extended account inactivity (no successful login for 24 consecutive months on a free-tier account, with 30-day pre-deletion notice).

16.3 Termination by Monoko — For Convenience. Monoko may terminate Your account or discontinue the Service in whole or in part for convenience, by providing 30 days' notice for paid users and, where the termination is for convenience and not for cause, refunding the prorated unused portion of any pre-paid Yearly subscription fee.

16.4 Effect of Termination. Upon termination: (a) Your right to access and use the Service ceases immediately; (b) Monoko may delete Your data per the data-retention schedule in §12.3(d) (typically within 30 days, subject to legal-hold and back-up cycles, and minimum 5-year retention of accounting/tax records); (c) any unredeemed Plan Credits, Bonus Credits, or referral bonuses are forfeited (subject to revival on re-subscribe per §4.5(d)); and (d) sections that by their nature should survive termination (including §6 No Refund, §7 AI-Generated Content & IP, §9.6 Already-Issued Slot / Bonus Honoring, §10 FGF (in respect of pending FGF rewards earned but unpaid before termination), §11 Affiliate / KOS reference and clawback, §12 Data Privacy + the Data Processing Addendum, §14 Limitation of Liability, §15 Indemnification (subject to §15.1A), and §17 Dispute Resolution) shall survive.

16.5 Data Export. Where reasonably practicable, Monoko will provide a 30-day grace period during which You may export Your Generated Content and account data through the in-app export tool or upon request to support@monoko.ai.

17. DISPUTE RESOLUTION & GOVERNING LAW

17.1 Governing Law.

(a) Users in Thailand. For Users whose principal residence or registered place of business is in the Kingdom of Thailand, these Terms shall be governed by the laws of Thailand, without regard to conflict-of-laws principles. Where You are a Thai consumer, the Unfair Contract Terms Act B.E. 2540 may render any term unenforceable to the extent it is "unfair" within the meaning of §4 of that Act; in such case the term is modified to the minimum extent necessary to make it fair, and the remainder of the Agreement remains in force. The Thailand Consumer Protection Act B.E. 2522 and the Direct Sales and Direct Marketing Act B.E. 2545 also apply where mandatory.

(b) All Other Users. For all other Users, these Terms shall be governed by the laws of the Republic of Singapore, without regard to conflict-of-laws principles.

17.2 Informal Resolution — Mandatory. Before any formal proceeding, You agree to first contact legal@monoko.ai with a written description of the dispute and Your desired resolution, and to negotiate in good faith for at least sixty (60) days.

17.3 Forum and Venue.

(a) Thailand-Resident Users. Disputes shall be brought exclusively before the competent courts of Bangkok, Thailand, except that consumer claims that are non-waivably required to be brought before a Thai consumer-protection forum shall be brought there pursuant to the Consumer Case Procedure Act B.E. 2551.

(b) EU/EEA/UK Consumer Users. Notwithstanding §17.4, where You are a consumer resident in the EEA or UK, You may bring proceedings against Monoko either in the courts of Singapore or in the courts of the Member State or jurisdiction in which You are domiciled, and Monoko may bring proceedings against You only in the courts of the Member State or jurisdiction in which You are domiciled, in accordance with Brussels I bis Regulation (EU 1215/2012) Arts 17–19 and equivalent UK rules.

(c) All Other Users. §17.4 (SIAC arbitration).

17.4 Arbitration — All Other Users. If informal resolution fails and the dispute is not subject to §17.3(a) or §17.3(b), the dispute shall be finally resolved by binding arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the SIAC Rules then in force, by one (1) arbitrator. Seat: Singapore. Language: English.

17.4A Small-Claims / Consumer-Forum Carve-Out. Notwithstanding §17.4, eligible consumer claims may be brought in the applicable small-claims or consumer-protection forum instead of SIAC arbitration: (a) in Singapore, the Singapore Small Claims Tribunals to the extent the claim falls within the monetary and subject-matter limits then applicable under the Small Claims Tribunals Act (currently generally up to SGD 20,000, or SGD 30,000 where the parties consent, subject to statutory conditions); and (b) in Thailand, the competent Thai Consumer Court / consumer-protection forum under the Consumer Case Procedure Act B.E. 2551 where mandatory consumer law so provides. Monoko expressly submits to those forums for qualifying consumer claims. This carve-out is intended to ensure that consumer Users are not effectively denied a remedy by the cost of SIAC arbitration. Each party shall bear its own costs in small-claims proceedings unless the relevant tribunal awards otherwise.

17.5 Class-Action Waiver. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, You and Monoko agree that each may bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, representative, or private attorney general proceeding. This waiver does not apply where it is unenforceable under mandatory consumer-protection law of Your jurisdiction (including the Thailand Consumer Case Procedure Act B.E. 2551, EU collective-redress mechanisms, UK Group Litigation Orders, or analogous regimes).

17.6 Injunctive Relief. Notwithstanding §§17.3 and 17.4, Monoko may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual-property rights, confidential information, security of the Service, or other proprietary rights, without first complying with §17.2 informal-resolution. Your right to seek equitable relief, including injunctive relief, where preserved by mandatory law of Your jurisdiction, is unaffected by this clause.

17.7 Limitation Period. Any cause of action must be commenced within two (2) years after it arose, or within such longer period as may be required by mandatory applicable law (including, where applicable, Thailand Civil and Commercial Code §193/30, Thailand PDPA §77, Singapore Limitation Act, or the UK Limitation Act 1980). The 2-year period is intended as a uniform contract-based limitation; statutory minima continue to control where they require a longer period.

18. CHANGES TO TERMS, PRICING SCHEDULE, AND PROGRAM RULES

18.1 Right to Amend. Monoko may revise, amend, restate, or replace (a) these Terms (the Main T&C), (b) the Pricing Schedule, and (c) the Program Rules — each independently.

18.2 Notification.

(a) Main T&C — Material Change. For Material Changes to this Main T&C (defined in §18.4), Monoko provides advance notice by email at least thirty (30) calendar days before the Effective Date, in-app banner, "Last Updated" date, and monoko.ai posting. Continued use after the Effective Date constitutes acceptance. If You do not agree, You may cancel under §16.1; for paid yearly subscribers, refer to §9.7 / §5.5A for material-adverse-change cancellation rights.

(b) Main T&C — Non-Material Change. Non-material revisions (clarifications, typos, minor edits, cross-reference updates) take effect immediately upon posting.

(c) Pricing Schedule Updates. Pricing Schedule updates apply prospectively per §5. For subscription-fee changes effective at Your next renewal, Monoko provides notice per §4.6(c) (renewal reminders) and §5.2(d) (14-day prior notice for credit-cost-per-operation changes effective at renewal). No fresh acceptance of the Main T&C is required.

(d) Program Rules Updates. Program Rules updates apply prospectively per §9, subject to the already-issued-slot / already-granted-bonus honoring in §9.6 and the material-adverse-change cancellation right in §9.7. Monoko publishes Program Rules updates at monoko.ai/programs with a "Last Updated" date. Where a Program Rules update would affect existing subscribers in a non-trivial way (e.g., changing FGF cap mid-window, modifying the Founders' Bonus eligibility for already-active phases), Monoko provides email notice at least fourteen (14) calendar days prior to the effective date. No fresh acceptance of the Main T&C is required.

18.3 Continued Use = Acceptance of Updated Pricing Schedule and Program Rules. By continuing to use the Service after a Pricing Schedule or Program Rules update has taken effect, You accept that update on a going-forward basis, without prejudice to Your already-paid-cycle protections under §5.2, the already-issued-slot honoring under §9.6, or any material-adverse-change cancellation right under §5.5A, §9.7, or mandatory consumer-protection law.

18.4 Material Change Defined. "Material Change" to this Main T&C means a change that materially diminishes Your rights or materially increases Your obligations, and includes (without limitation):

(a) a change to §6 (No Refund Policy) principle or §6.6 cooling-off mechanics; (b) a change to §7 (IP) ownership of Input or Output; (c) a change to §12 (Privacy) cross-border-transfer basis or new processing purpose; (d) a change to §14 (Limitation of Liability) caps or carve-outs; (e) a change to §15 (Indemnification) scope; (f) a change to §17 (Dispute Resolution) governing-law, forum, arbitration mechanic, or class-action waiver; (g) a change to §18 itself (this §18) or to §5.2 (already-paid-cycle protections); or (h) any other change that, in Monoko's reasonable judgment, a reasonable consumer would consider material to the value of the bargain.

Material Change does NOT include: (i) any change to pricing, credit allowance, add-on price, bundle price, premium-template surcharge, or SKU composition made via the Pricing Schedule in accordance with §5 (Pricing Schedule changes have their own §5 notice / cancel framework); (ii) any change to a Promotional-Phase window, cap, eligibility threshold, bonus structure, FGF cap or reward amount, free-tier conversion mechanic, or anti-fraud monitoring threshold made via the Program Rules in accordance with §9 (Program Rules changes have their own §9 / §18.2(d) notice framework and §9.6 / §9.7 honoring + cancellation safeguards); (iii) corrections to typos, formatting, cross-references, or non-substantive editorial polish; (iv) addition of new optional features, new opt-in marketing channels, or new payment methods that do not reduce existing rights; (v) updates required by mandatory applicable law, regulator order, or court order; (vi) addition of new defined terms or refinement of existing defined terms where the operative meaning is preserved.

18.5 Archive. Prior versions of the Main T&C, Pricing Schedule, and Program Rules are available on request to legal@monoko.ai.

19. CONTACT INFORMATION

19.1 Operating Entity.

AEDOWON SINGAPORE PTE. LTD. (UEN 202612161D) Registered Office: 8 Temasek Boulevard, #17-02A, Suntec Tower Three, Singapore 038988

Aedowon Singapore is the sole operating entity for Monoko. Personnel located in Thailand and other jurisdictions act on Aedowon Singapore's behalf as described in §12.2(b).

19.2 General Inquiries: support@monoko.ai 19.3 Billing & Subscriptions: billing@monoko.ai 19.4 Privacy & Data Protection (DPO): dpo@monoko.ai 19.5 Legal Notices: legal@monoko.ai 19.6 Security: security@monoko.ai 19.7 Newsletter Unsubscribe: newsletter@monoko.ai 19.8 Notice and Takedown / IP Complaints: legal@monoko.ai 19.9 Enterprise Inbound: enterprise@monoko.ai (24-hour response for ≥10-seat Large Enterprise) 19.10 Affiliate Program: affiliate@monoko.ai (terms: Monoko-Affiliate-Terms) 19.11 KOS Program: creators@monoko.ai (terms: Monoko-KOS-Terms)

19.12 Regulatory Authorities.

(a) Thailand PDPC. Personal Data Protection Committee, Office of the Permanent Secretary, Ministry of Digital Economy and Society, Bangkok, Thailand. Website: pdpc.or.th.

(b) Singapore PDPC. Personal Data Protection Commission of Singapore. Website: pdpc.gov.sg.

20. MISCELLANEOUS

20.1 Severability. If any provision is held invalid, the remaining provisions continue, and the invalid provision shall be modified to the minimum extent necessary to make it valid.

20.2 No Waiver. No failure or delay by Monoko in exercising any right operates as a waiver. Any waiver must be in writing and signed by Monoko.

20.3 Assignment. Monoko may assign these Terms in whole or in part in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets, provided that the successor or assignee assumes all of Monoko's obligations under these Terms and Monoko gives notice to Users via email and in-app banner. You may assign or transfer these Terms only with Monoko's prior written consent (such consent not to be unreasonably withheld in the case of an Organization User undergoing a corporate reorganization). Any purported assignment in breach of this §20.3 is void.

20.4 Force Majeure. Monoko is not liable for failure or delay caused by events beyond its reasonable control (acts of God, war, civil unrest, government action, pandemic, internet outages, third-party-provider failures that could not have been mitigated by commercially reasonable redundancy or substitution, cyber-attacks, natural disasters).

20.5 Independent Contractors. The parties are independent contractors. No agency, partnership, joint venture, or employment relationship.

20.6 Headings. Section headings are for convenience only.

20.7 Language. Authoritative language is English. Any translation is for convenience only; in case of discrepancy, the English version controls, except where mandatory consumer-protection law requires the local-language version.

20.7A Thai translation publication. Monoko will publish a Thai convenience translation of these Terms within seven (7) calendar days after V4 go-live for Thai-market readability. The English version remains authoritative except to the extent mandatory Thai consumer-protection law requires a Thai-language term, notice, or interpretation to prevail for a Thai consumer.

20.8 Entire Agreement. These Terms (together with the Pricing Schedule, Program Rules, Affiliate Terms / KOS Terms where applicable, Privacy Notice, Cookie Notice, Sub-Processor List, Acceptable Use Policy, Data Processing Addendum, and Payment Processor Partners disclosure) are the entire agreement.

20.9 Electronic Communications. You consent to receive all communications electronically.

APPENDIX B — ACCEPTABLE USE POLICY REFERENCE

The full Monoko Acceptable Use Policy is published as a standalone document at monoko.ai/aup and incorporated by reference: Monoko Acceptable Use Policy. It supplements §8.7 of these Terms and applies to all Users.

ACKNOWLEDGMENT

BY CHECKING THE "I AGREE" CHECKBOX OR USING THE SERVICE, YOU ACKNOWLEDGE YOU HAVE READ AND UNDERSTAND, AND AGREE TO BE BOUND BY, THESE TERMS — TOGETHER WITH THE THEN-CURRENT PRICING SCHEDULE AND PROGRAM RULES — INCLUDING THE DYNAMIC PRICING CLAUSE (§5), THE NO REFUND POLICY (§6), THE PROMOTIONAL-PHASE FRAMEWORK (§9), THE FGF PROGRAM (§10), THE LIMITATION OF LIABILITY (§14), THE CLASS-ACTION WAIVER (§17.5), AND THE ARBITRATION REQUIREMENT (§17.4) WHERE APPLICABLE TO YOU. YOU UNDERSTAND THAT THE PRICING SCHEDULE AND PROGRAM RULES MAY BE UPDATED PROSPECTIVELY BY MONOKO WITHOUT FRESH ACCEPTANCE OF THESE TERMS, SUBJECT TO THE NOTICE, HONORING, AND CANCELLATION SAFEGUARDS IN §5, §9, AND §18.

CHANGE LOG — V4 (2026-05-16)

V4 supersedes V3-Final (2026-05-15). V4 is a structural refactor: legal framework is preserved; commercial parameters (price, credit allowance, SKU codes, promotional phase windows, caps, bonus structures, FGF caps/rewards, anti-fraud thresholds) have been extracted into two new incorporated-by-reference documents:

• Monoko-Pricing-Schedule — plans, prices, credit allowances, add-ons, bundles, retention-offer pricing, enterprise default offer, and pricing-related operational parameters (minimum payout, THB FX lock, credit reset timing).
• Monoko-Program-Rules — Promotional Phase calendar, Founder Slot (cap, window, rate-lock, GL step-up bonus carry, attribution exclusions), Beta-grad Yearly Lock mechanics (per-user signup-anchored window, minimum-activity threshold, attribution break), Founders' Bonus Window dates and bonus structure, FGF cap / activation gate / reward amounts, Free Tier conversion drip, anti-fraud monitoring thresholds, KOS application calendar.

Effect on re-acceptance. Under V4 §18.4, updates to the Pricing Schedule or Program Rules do not require fresh user acceptance of the Main T&C. Only Material Changes to the Main T&C (§18.4(a)–(h)) require re-acceptance. Already-paid cycles, already-issued slots, already-granted bonus credits, and already-pending FGF referrals are honored under §5.2, §9.6, and §10.8.

Phase calendar shift (2026-05-17). Beta phase start moved to 12 June 2026 (cumulative shift from V3-Final's 15 May 2026 = +28 days). All downstream phases shifted by the same threshold; current calendar published in Monoko-Program-Rules §1.

Detailed clause-level changes from V3-Final → V4:

• §1.5 — added Order of Precedence between Main T&C / Pricing Schedule / Program Rules.
• §2 — pruned dollar amounts, dates, and specific thresholds from definitions; added "Pricing Schedule", "Program Rules", "Promotional Phase" as defined terms.
• §3.3 — Phased Rollout replaced fixed phase calendar with reference to Program Rules.
• §4.1 — replaced V3 §4.1 / §4.2 plan-tier tables with Pricing Schedule incorporation.
• §4.5 — Credit Mechanics retained as principles; specific Plan Credit numbers removed.
• §4.7 — Auto-Pilot Tier Gating retained as principle; specific trial scope numbers moved to Pricing Schedule.
• §4.8 — Enterprise Tier retained as principle; default offer / SLA moved to Pricing Schedule / Program Rules.
• §5 — Dynamic Pricing extended to cover Pricing Schedule + Program Rules updates uniformly.
• §8.8 — Anti-Fraud Monitoring kept as principle; 5% threshold and 20-active-cohort floor moved to Program Rules §7.
• §9 — replaced V3 §9 phase-specific sub-sections (Founder Slot pricing/cap/dates; Beta-grad Lock pricing/window; Founders' Bonus window/dates/credit amounts) with Program Rules framework. Added §9.6 (already-issued honoring) and §9.7 (material-adverse-change cancel right).
• §10 — FGF Cap (10/3-mo), activation gate (14d+5 gens), and reward amounts (300/150) moved to Program Rules §5. Added §10.8 (prospective updates only).
• §11 — Affiliate/KOS reference retained; specific phase-eligibility dates / SKU lists moved to program terms + Program Rules.
• §13.2 — updated verbatim checkbox to include "Pricing Schedule and Program Rules" + prospective-update acknowledgement.
• §16.4(d) — survival list updated to include §9.6.
• §18 — substantial rewrite: separated Main T&C amendment process from Pricing Schedule / Program Rules update process; added Material Change explicit-non-list (i)–(vi); cross-referenced §5, §9, §9.6, §9.7 safeguards.
• CHANGE LOG and CHANGE LOG references — V3-Final amendment-log carried into [[Monoko-TnC-V3-Final-Amendment-Log]]; V4 introduces fresh log here.

V3-Final substantive legal text (PDPA, IP, liability, dispute resolution, refund principle, consent architecture) is preserved verbatim or with editorial-only adjustments.

2026-05-17 update — Standalone-doc extraction (Polar-style legal page). The following content has been extracted out of Main T&C into standalone documents (each incorporated by reference):

• Privacy Notice content → Monoko-Privacy-Notice (user-facing privacy notice; §12.1 references)
• Cookie Notice content → Monoko-Cookie-Notice (§12.6 references)
• Sub-Processor List → Monoko-Sub-Processor-List (§12.7 references)
• Schedule A — Data Processing Particulars → Monoko-Data-Processing-Addendum (replaces inline Schedule A; §12.8 + Order-of-Precedence references)
• Acceptable Use Policy → Monoko-Acceptable-Use-Policy (replaces Appendix B; §8.7 supplements)
• Payment Processor Partners → Monoko-Payment-Processor-Partners (§4.10 references)

Effect: Main T&C now ~500 lines lighter (Schedule A + Appendix B removed inline). User-facing legal page mirrors Polar.sh / Vercel-style modular legal pages with separate documents for separate audiences (consumer / business / enterprise / DPO).

END OF MONOKO TERMS AND CONDITIONS — MAIN — VERSION 4 Last Updated: 2026-05-17