GLOBAL TERMS OF SERVICE

Effective Date: 24 February 2026 | Version 2.0

IMPORTANT — PLEASE READ CAREFULLY. These Global Terms of Service ("Terms") constitute a legally binding agreement between you and the applicable Snef entity identified in Section 2. By accessing, registering for, or using any Snef website, application, tool, API, or service (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy (incorporated by reference). If you do not agree, you must not access or use the Services.

IF YOU ARE LOCATED IN THE UNITED STATES, THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 25 THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ SECTION 25 CAREFULLY.

The Services encompass: (i) an e-commerce and social commerce marketplace (B2C); (ii) creator tools, storefronts, and monetisation features (SaaS); (iii) AI-powered content generation, recommendation, and commerce optimisation tools; (iv) brand and merchant partnership programmes; (v) logistics and fulfilment programmes ("Fulfilled by Snef" or "FBS"); and (vi) the B2B SaaS platform known as "Snef OS."

In these Terms, unless the context requires otherwise:

• "Snef," "we," "us," or "our" means the applicable Snef contracting entity identified in Section 2.

• "User" or "you" means any natural person or legal entity that accesses, registers for, or uses the Services.

• "Buyer" means a User who purchases products or services through the marketplace features of the Services.

• "Creator" means a User who uses creator tools, operates a storefront, publishes content, participates in affiliate or creator programmes, or otherwise monetises through the Services.

• "Brand" or "Merchant" means any legal entity that lists products for sale, participates in brand partnership programmes, contracts for marketplace or fulfilment services, or otherwise operates as a seller through the Services.

• "Customer" means a business customer that has entered into an Order Form for Snef OS (B2B SaaS).

• "Content" means any text, images, video, audio, product listings, metadata, prompts, AI-generated outputs, reviews, messages, software code, and other materials displayed, submitted, or generated through the Services.

• "User Content" means Content submitted, uploaded, or generated by Users (including Creators and Brands), excluding Snef-owned platform Content.

• "Customer Content" means data (including personal data) submitted to, generated within, or connected to Snef OS by or on behalf of a Customer.

• "Order Form" means any signed agreement, statement of work, subscription form, or programme enrolment document that supplements these Terms with service-specific commercial terms.

• "Fees" means all commissions, take rates, subscription charges, service fees, fulfilment fees, payment processing charges, and other amounts payable to Snef as disclosed in the applicable dashboard, checkout flow, Order Form, or fee schedule.

• "Intellectual Property Rights" means all patents, copyrights, moral rights, trademarks, service marks, trade dress, trade names, domain names, trade secrets, know-how, database rights, rights in designs, rights in software, and all other intellectual property rights of any kind, whether registered or unregistered, and all applications, renewals, extensions, and reversions of the foregoing, worldwide.

• "Applicable Law" means all laws, statutes, regulations, rules, orders, and directives applicable to a party’s performance under these Terms, including consumer protection, data protection, e-commerce, and tax laws in the relevant jurisdiction.

Snef operates through three legal entities. Your contracting party is determined by your geographic location, the specific Services you use, and any Order Form you execute:

PT SNEF TEKNOLOGI INDONESIA — Indonesia, Ideacentrum Office, Jl. Yusuf Adiwinata 32/34, Central Jakarta, DKI Jakarta 10350, NIB: 2608240079302. Default scope: Platform services for Users located in Indonesia; FBS operations in Indonesia.

SNEF PTE. LTD. — Singapore, 68 Circular Road #02-01, Singapore 049422, UEN: 202424026R. Default scope: International platform operations; Users in Singapore and APAC (excluding Indonesia); Snef OS.

Snef Inc. — Delaware, USA, 447 Broadway, 2nd Fl Suite #2405, New York, NY 10013. Default scope: Users located in the United States; US-facing brand and enterprise programmes.

Order Form precedence: If you execute an Order Form (e.g., Brand Programme Agreement, FBS Agreement, Snef OS Subscription), the Order Form governs for its defined scope. These Terms apply to the extent not inconsistent with the Order Form. In the event of conflict, the Order Form prevails for the relevant Services, followed by any applicable programme-specific addendum, followed by these Terms.

These Terms comprise general provisions applicable to all Users (Sections 1–6, 13–28) and role-specific provisions that apply only if you use the Services in the indicated capacity:

• Section 7: Marketplace Terms (Buyers)

• Section 8: Creator Terms (Creators, affiliates, storefronts)

• Section 9: Brand and Merchant Terms

• Section 10: Fulfilled by Snef (FBS) and Logistics Programmes

• Section 11: Snef OS (B2B SaaS)

• Section 12: API and Developer Terms

If you operate in multiple capacities (e.g., a Brand that also uses Snef OS), all relevant sections apply concurrently.

4.1 Eligibility — You must be at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into a binding contract to use the Services. If you are using the Services on behalf of an organisation, you represent and warrant that you have authority to bind that organisation to these Terms.

4.2 Account Registration and Security — Certain features require account registration. You agree to: (a) provide accurate, current, and complete registration information; (b) maintain and promptly update such information; (c) maintain the confidentiality of your account credentials and not share them with any third party; and (d) immediately notify us at [email protected] of any suspected unauthorised access to your account. You are solely responsible for all activity that occurs under your account, whether or not authorised by you.

4.3 Consent to Electronic Communications — By creating an account or using the Services, you consent to receive communications from us electronically (by email, in-app notifications, SMS where permitted, or posting on the Services). You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing, including under the U.S. E-SIGN Act, Singapore Electronic Transactions Act, and Indonesia UU ITE.

4.4 Account Verification — We may require identity verification, KYC documentation, or other due diligence measures as a condition of account activation or continued access, particularly for Creators, Brands, and Customers. You agree to cooperate with such requests. Failure to complete verification within a reasonable timeframe may result in account suspension or limitation of functionality.

You agree to use the Services only for lawful purposes and in compliance with these Terms and all Applicable Law.

Without limiting the foregoing, you shall not: (a) violate any Applicable Law, regulation, court order, or third-party right (including Intellectual Property Rights, privacy rights, and rights of publicity); (b) upload, transmit, or distribute unlawful, defamatory, obscene, fraudulent, deceptive, threatening, harassing, hateful, or violent Content; (c) upload or transmit Content that infringes any third party’s Intellectual Property Rights; (d) impersonate any person or entity or falsely claim affiliation; (e) attempt unauthorised access to the Services or other accounts; (f) use automated means such as bots/scrapers/crawlers except as expressly permitted; (g) circumvent security, rate-limiting, or access controls; (h) impose unreasonable load on infrastructure; (i) circumvent platform payment mechanisms where prohibited; (j) use AI features to generate unlawful, infringing, deceptive, or manipulative Content; (k) reverse-engineer the Services except where law allows; (l) sublicense/resell/redistribute access except as authorised; or (m) assist others in doing any of these.

Enforcement: We reserve the right, but have no obligation, to monitor the Services for violations. We may investigate and take appropriate action, including removal of Content, suspension or termination of accounts, and reporting to law enforcement, at our sole discretion.

6.1 Nature of AI Features — Certain Services incorporate AI capabilities, including content generation, product recommendations, image analysis, commerce optimisation, and workflow automation ("AI Features"). AI-generated outputs may contain errors, inaccuracies, or biases. You are solely responsible for reviewing and verifying outputs before relying on or distributing them.

6.2 No Professional Advice — AI Features do not constitute legal, financial, medical, tax, or other professional advice.

6.3 Your Inputs and Representations — When submitting prompts, data, or instructions ("Inputs"), you represent and warrant that you have all rights and authority to submit them, they comply with law and these Terms, and you will not submit unlawful, infringing, or sensitive personal data except where specifically designed and lawfully permitted.

6.4 Ownership of AI Outputs — As between you and Snef, and subject to Snef’s underlying rights in the AI models and Services, you retain ownership of original output elements based on your Inputs to the extent protectable by law. Outputs may not be unique and similar outputs may be generated for other users.

6.5 AI Model Training — We may use anonymised or aggregated interaction data from AI Features to improve reliability, safety, and performance, subject to our Privacy Policy. For Snef OS Customers, Customer Content is not used for generalised AI model training unless explicit documented consent is provided in the DPA.

6.6 Safety and Abuse Prevention — We may monitor AI usage patterns to detect abuse and may restrict or suspend access to AI Features where usage violates these Terms or poses safety risk.

7.1 Platform Role — Unless expressly stated otherwise, Snef acts as a marketplace facilitator, not the seller. Products and services are offered by independent Creators and Brands.

7.2 Orders and Contracts of Sale — When you place an order, you enter into a contract of sale with the applicable seller (unless Snef is expressly identified as seller).

7.3 Pricing, Payments, and Taxes — Prices, taxes, duties, and shipping charges are disclosed before checkout. Payment processing is provided by third parties.

7.4 Delivery and Fulfilment — Delivery responsibility depends on seller-managed delivery, Snef-facilitated delivery, or FBS (Section 10). Delivery times are estimates.

7.5 Returns, Refunds, and Disputes — Return and refund policies are generally set by the seller unless a Snef programme applies. Buyer-seller disputes should first use platform dispute flows.

7.6 Consumer Protection — Nothing excludes non-waivable consumer rights under applicable law.

8.1 Creator Accounts and Storefronts — Creators may publish content, operate storefronts, and participate in partnership programmes, subject to eligibility and approval requirements.

8.2 Creator Content and Responsibility — Creators are solely responsible for legality, accuracy, and compliance of their content, including ad disclosure obligations and respect for third-party rights.

8.3 Creator Intellectual Property — Creators retain ownership of original content and grant Snef a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, distribute, display, and use it for operating, marketing, and improving the Services, with survival as needed for pending transactions, platform integrity, and legal compliance.

Moral rights: To the extent permitted by law, creators waive moral rights or grant fullest possible consent for use described above.

8.4 Commissions and Payouts — Commission rates and schedules are disclosed in programme terms/dashboard and may vary. For Indonesia programmes, baseline payout schedule is twice monthly on the 3rd and 17th business day, subject to programme conditions and deductions.

Snef may adjust commission rates/payout schedules prospectively with at least 14 calendar days notice (unless immediate legal change is required), and may withhold/set off for chargebacks, refunds, fraud, policy violations, taxes, or other amounts owed.

8.5 Creator Tax Obligations — Creators are responsible for their own taxes; Snef may withhold as required and provide required tax documentation.

8.6 Content Removal and Account Actions — Snef may remove content or suspend/terminate accounts for violations. Where appeal is available, creators may appeal within 7 calendar days.

9.1 Product Compliance and Seller Obligations — Brands are solely responsible for product safety, quality, labelling, regulatory compliance, licensing, listing accuracy, warranties, recalls, and applicable law compliance.

9.2 Inventory and Listing Accuracy — Brands must maintain accurate inventory and listing status; overselling and late shipments may lead to penalties.

9.3 Fees, Take Rates, and Payment Terms — Fees are disclosed in order forms/programme terms/dashboard and may include commission, gateway fees, delivery allocation, and platform fees. Snef may update fee schedules prospectively with at least 30 calendar days notice.

9.4 Pricing Parity — Unless otherwise agreed, brands must not offer lower prices on other channels after accounting for promotions/shipping, subject to agreed promotional exceptions.

9.5 Customer Service and SLAs — Brands must comply with service-level obligations specified in programme terms/order forms.

9.6 Brand Indemnification — Brands indemnify Snef against claims related to brand products, product liability, IP infringement, misleading listings, tax liabilities, or legal/terms breaches.

9.7 Insurance — Certain programmes may require product and commercial liability insurance with proof upon request.

10.1 Programme Scope — FBS may include warehousing, inventory, processing, packing, shipping, support, and returns per programme agreement.

10.2 Inventory Ownership, Risk, and Insurance — Title/risk remain with Brand until buyer delivery. Snef provides commercially reasonable care but does not insure inventory unless agreed.

10.3 Payout Mechanics and Deductions — Snef may deduct/set off programme fees, returns, chargebacks, penalties, tax withholdings, and other owed amounts.

10.4 Returns — Return windows, cost allocation, and processing follow FBS programme terms.

10.5 Tax Treatment — Brand is seller for tax purposes unless law allocates marketplace facilitator obligations to Snef.

10.6 Removal and Disposal of Inventory — On termination/expiry, unsold inventory must be removed within programme timelines; unremoved inventory may be disposed of at brand expense after notice.

11.1 Order Forms and Commercial Terms — Snef OS requires an Order Form defining term, pricing, limits, support, and renewals.

11.2 Customer Content Ownership — Customer retains ownership of Customer Content and grants Snef a limited licence solely to provide/secure/maintain Snef OS.

11.3 Data Processing Addendum — DPA governs Snef’s processor/service provider obligations including subprocessors, security, breach notice, audit rights, and deletion/return.

11.4 Acceptable Use — Customer must not process unlawful data, upload prohibited content, transmit malware, or exceed agreed usage limits.

11.5 Security — Snef maintains commercially reasonable safeguards and can provide enterprise security/compliance documentation under NDA upon request.

11.6 Service Levels — SLAs apply only if expressly set out in Order Form/SLA addendum.

11.7 AI Training Restriction — Customer Content is not used for generalised AI model training without explicit documented customer consent.

11.8 Data Export and Portability — On request during term or within 30 days after termination/expiry, Customer Content can be exported in machine-readable format, then deleted per DPA and legal retention rules.

12.1 API Access — API access may require registration/approval and is subject to rate limits, quotas, and technical requirements.

12.2 Permitted Use — APIs may only be used for compliant integrations with the Services; use for competing products, abuse of limits, credential sharing, or degrading service is prohibited.

12.3 API Changes — Snef may modify/deprecate/discontinue APIs with reasonable notice (at least 30 days for breaking changes, except security/legal cases).

13.1 Snef’s Intellectual Property — The Services and all underlying technology/materials are owned by Snef or licensors and protected by Intellectual Property Rights.

13.2 User Content Licence — By submitting User Content, you grant Snef a worldwide, non-exclusive, royalty-free, sublicensable and transferable licence to use that content as necessary to operate, market, and improve the Services.

13.3 Brand Trademark Licence — Brands grant Snef a limited licence to use brand marks and assets for listing, display, and promotion on the Services.

13.4 Feedback — Feedback may be used by Snef perpetually and irrevocably without compensation.

13.5 IP Infringement Claims — Suspected infringement notices can be sent to [email protected] (Attn: IP Compliance) and will be processed under applicable notice-and-takedown procedures including DMCA and equivalent laws.

14.1 Fee Disclosure — Fees are disclosed before transaction/subscription renewal via dashboard, checkout, order form, or fee schedule.

14.2 Payment Processing — Payments are handled by third-party processors under their own terms.

14.3 Currency and Foreign Exchange — Transactions may use IDR, SGD, USD, or other supported currencies; conversion is determined by processor/financial institution.

14.4 Set-Off and Withholding — Snef may deduct/withhold for chargebacks, refunds, owed fees, programme penalties, or tax withholding obligations where permitted.

14.5 Overdue Amounts — Overdue amounts may accrue interest at the lesser of 1.5% per month or maximum lawful rate, and access may be suspended after reasonable notice.

Our Privacy Policy at snef.co/privacy is incorporated by reference into these Terms. For Snef OS Customers, the DPA governs and prevails in case of conflict with the Privacy Policy.

Each party receiving non-public information agrees to keep it confidential and only disclose it to people with need-to-know under comparable confidentiality obligations, when required by law, or with written consent. This applies especially to non-public platform, buyer, and operational data.

Beta/preview/early access features are provided "as is" and "as available" without warranty or SLA, may be changed or discontinued at any time, and are used at your own risk. Feedback on beta features is subject to Section 13.4.

18.1 Suspension by Snef — Snef may suspend access immediately where fraud, security risk, illegality, legal requirement, or terms/programme violations are reasonably suspected.

18.2 Termination by Snef — Snef may terminate immediately for cause or for convenience with 30 calendar days written notice.

18.3 Termination by You — You may terminate your account at any time via account closure flow or [email protected], subject to accrued obligations.

18.4 Effects of Termination — Access stops, outstanding fees become due, and programme-specific effects (e.g., Snef OS data export, FBS inventory removal) apply. Survival terms remain effective.

TO THE MAXIMUM EXTENT PERMITTED BY LAW: SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS, TITLE, AND NON-INFRINGEMENT.

SNEF DOES NOT GUARANTEE UNINTERRUPTED, ERROR-FREE, OR FULLY SECURE OPERATION, OR SPECIFIC COMMERCIAL RESULTS.

SNEF DOES NOT GUARANTEE PRODUCT QUALITY/SAFETY/LEGALITY ON THE MARKETPLACE AND IS NOT RESPONSIBLE FOR THIRD-PARTY ACTS/OMISSIONS.

AI FEATURES MAY PRODUCE INACCURATE, INCOMPLETE, OR BIASED OUTPUTS AND ARE PROVIDED AS ASSISTIVE TOOLS.

20.1 Exclusion of Consequential Damages — To the fullest extent permitted, Snef is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, revenue, data, opportunities, or goodwill.

20.2 Aggregate Liability Cap — Snef’s aggregate liability is limited to the greater of: (a) total fees paid by you to Snef in the 12 months before the claim event; or (b) USD 100. For Snef OS, any Order Form cap applies instead.

20.3 Exceptions — Liability limits do not apply to death/personal injury from negligence, fraud, wilful misconduct or gross negligence, breaches of confidentiality/IP, or liabilities that cannot be limited by law.

You agree to indemnify, defend, and hold harmless Snef and its affiliates/officers/directors/employees/agents from third-party claims, losses, liabilities, and costs (including legal fees) arising from your breach, content/products, legal violations, misuse of Services, product liability/regulatory non-compliance (for Brands), and tax obligations.

22.1 Trade Compliance — You represent and warrant compliance with applicable sanctions/export controls and that you are not on restricted lists or sanctioned jurisdictions as applicable.

22.2 Anti-Corruption — You agree to comply with applicable anti-bribery and anti-corruption laws and will not offer or authorise improper payments in connection with the Services.

Neither party is liable for failure or delay (except payment obligations) caused by events beyond reasonable control, including disasters, war, pandemics, government action, outages, cyberattacks, and third-party failures. If such event continues over 60 consecutive days, either party may terminate affected services with written notice.

We may modify these Terms from time to time and will publish updates with a revised Effective Date. Material changes receive at least 30 calendar days advance notice. Continued use after effective date constitutes acceptance. If you do not agree, discontinue use before effective date.

25.1 Indonesia (PT SNEF TEKNOLOGI INDONESIA) — Governed by Indonesian law. Disputes first undergo 30-day good-faith negotiation, then binding BANI arbitration in Jakarta (Indonesian language), without prejudice to interim/injunctive court relief.

25.2 Singapore (SNEF PTE. LTD.) — Governed by Singapore law, with exclusive Singapore court jurisdiction unless applicable Order Form specifies SIAC arbitration.

25.3 United States (Snef Inc.) — Governed by New York law. Disputes are resolved by binding individual arbitration via JAMS in New York, NY. Class/representative actions are waived. Injunctive relief and small claims exceptions apply as stated.

25.4 Mandatory Consumer Rights — Nothing limits non-waivable statutory consumer protection rights under applicable law.

Notices to Snef: [email protected] (general support), [email protected] (legal notices), [email protected] (brand/partnership), [email protected] (Attn: IP Compliance for IP notices), [email protected] (Attn: Data Protection Officer for privacy).

Notices to Users are sent to account email or posted on Services and are deemed received upon posting or successful delivery. Formal legal postal notices should use registered addresses in Section 2.

27.1 California Residents — Additional CCPA/CPRA rights are described in the Privacy Policy. California complaint assistance contact is the California Department of Consumer Affairs (as set out in the Terms).

27.2 New Jersey Residents — Certain limitation/disclaimer terms may not apply to the extent prohibited by New Jersey law.

28.1 Entire Agreement — These Terms, Privacy Policy, and incorporated Order Form/DPA/programme addenda form the entire agreement.

28.2 Severability — Invalid provisions are modified/severed to minimum extent necessary; remainder remains effective.

28.3 Waiver — Delay/failure to enforce rights is not waiver.

28.4 Assignment — You may not assign without consent; Snef may assign to affiliates or corporate transactions.

28.5 No Third-Party Beneficiaries — Except Snef affiliates as intended beneficiaries for indemnification/liability/IP provisions.

28.6 Survival — Provisions that should survive termination continue in effect, including IP, confidentiality, disclaimers, liability, indemnification, disputes, and general provisions.

28.7 Language — If translated versions conflict, English version prevails where permitted; Indonesian-language precedence applies where legally required.

28.8 Headings — Headings are for convenience only.

28.9 Relationship of the Parties — No partnership, joint venture, employment, or agency relationship is created.