Bobby AI Terms of Use

Before you access our services, please read these Terms of Use carefully.

These Terms of Use (the "Terms", and together with any applicable Supplemental Terms (as defined in Section 2.6), the "Agreement") govern your use of Bobby and other products and services we may offer, along with any associated applications, software, and websites (collectively, our "Services"). This Agreement forms a legally binding contract between you ("User", "you", "your") and FLOW AI PTE. LTD. ("Company", "we", "us", "our"), a company incorporated in Singapore with its registered address at 2 Venture Drive, #11-31, Vision Exchange, Singapore 608526. By accessing our Services, you agree to be bound by this Agreement.

Our products and services are distributed by Waffo.com Limited, an authorised distributor, located at RM 1903, 19/F Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.

Please Note:

Our Privacy Policy describes how we collect and use personal information. It is an important document that you should read.
Bobby and RockFlow operate independent account systems. Bobby does not open brokerage accounts, perform identity verification (KYC), hold your funds, or execute trades on its own systems. Brokerage features rely on your separate authorization to access your RockFlow account, as described in Section 2.7.

PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT GOVERNS THE USE OF THE SERVICES AND APPLIES TO ALL USERS VISITING OR ACCESSING THE SERVICES. BY ACCESSING OR USING THE SERVICES IN ANY WAY, ACCEPTING THIS AGREEMENT OR COMPLETING THE ACCOUNT REGISTRATION PROCESS, YOU REPRESENT THAT:

(1) YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THIS AGREEMENT;

(2) YOU ARE OF LEGAL AGE TO FORM A BINDING CONTRACT WITH COMPANY;

(3) YOU ARE NOT BARRED FROM USING THE SERVICES UNDER THE LAWS OF YOUR PLACE OF RESIDENCE; AND

(4) YOU HAVE THE AUTHORITY TO ENTER INTO THIS AGREEMENT. YOU MUST BE THE AGE OF MAJORITY IN YOUR PLACE OF RESIDENCE, AND, IN ANY EVENT, NOT UNDER 18 YEARS OLD. IF YOU DO NOT AGREE TO BE BOUND BY THE AGREEMENT, YOU MAY NOT ACCESS OR USE THE SERVICES.

IF YOU SUBSCRIBE TO ANY FEATURE OR FUNCTIONALITY OF THE SERVICE FOR A TERM (THE "INITIAL TERM"), THEN YOUR SUBSCRIPTION WILL BE AUTOMATICALLY RENEWED FOR ADDITIONAL PERIODS OF THE SAME DURATION AS THE INITIAL TERM AT COMPANY'S THEN-CURRENT FEE UNLESS YOU OPT OUT OF THE AUTOMATIC RENEWAL IN ACCORDANCE WITH SECTION 4.1 BELOW.

THE AGREEMENT IS SUBJECT TO CHANGE BY COMPANY AS SET FORTH IN SECTION 14.7.

1. Artificial Intelligence Disclaimer

Artificial Intelligence ("AI") and machine learning are rapidly evolving fields. When using or accessing the Services, you need to be aware of the following:

1.1 Basic Understanding and Responsibility

You acknowledge that you are interacting with an AI system.
AI systems are based on probabilistic models, which may result in misunderstandings or errors.
Company is not responsible for any misunderstandings or inaccuracies caused by AI.
The Services help you turn your investment views into structured analysis. All analysis, outputs, and information provided through the Services are for informational and reference purposes only and do not constitute investment, financial, legal, or tax advice, nor a recommendation or solicitation to buy or sell any security or financial product.

1.2 User Responsibilities

You are responsible for independently reviewing all Output (as defined below).
You should exercise personal judgment before relying on any Output, including before making any investment decision.
You are fully responsible for monitoring and approving the use of Output.
You assume responsibility for any decisions, actions, or omissions based on Output.

1.3 Inherent Limitations of AI Functionality

Outputs may contain errors or inaccurate information.
AI may struggle to understand subtle nuances in language, including slang and cultural references.
AI outputs may perpetuate biases present in their training data.
AI has limitations in performing complex reasoning and judgment tasks.
AI relies on large volumes of training data, and issues with training data quality can affect Output.

2. Access and Use

2.1 Access Rights

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Services solely for your own personal purposes. We reserve the right to modify, suspend, or terminate any part of the Services at any time without prior notice. You agree not to use the Services in any way that could damage their functionality or accessibility.

2.2 Account Responsibilities

To access our Services, you must complete account registration and ensure that the information you provide is accurate, up-to-date, and complete. Bobby accounts use passwordless sign-in; you are responsible for keeping your account and sign-in methods (such as your email, phone number, or linked third-party accounts) secure, and you are responsible for all activities conducted under your account. You must not impersonate others or provide false information. If you detect unauthorized use or any security breach, you must notify us immediately. We reserve the right to disable your account if you violate these Terms or provide false information.

2.3 Prohibited Conduct

As a condition of use, you agree not to use the Services for any purpose that is prohibited by this Agreement or by applicable law and regulations. You shall not (and shall not permit any third party to): (i) license, sell, rent, lease, transfer, assign, reproduce, distribute, host, or otherwise commercially exploit the Services or any portion of the Services; (ii) frame or utilize framing techniques to enclose any trademark or logo of the Services; (iii) use any metatags or other "hidden text" using Company's name or trademarks; (iv) modify, translate, adapt, merge, make derivative works of, disassemble, decompile, reverse compile, or reverse engineer any part of the Services except to the extent expressly permitted by applicable law; (v) use any manual or automated software, devices, or processes (including spiders, robots, scrapers, or crawlers) to "scrape" or download data from the Services; (vi) remove or destroy any copyright notices or other proprietary markings in the Services; (vii) impersonate any person or entity, including any employee or representative of Company; or (viii) interfere with the proper functioning of the Services, including by violating security features, introducing viruses or harmful code, or overloading, "flooding," "spamming," or "crashing" the Services.

Any unauthorized use of the Services terminates the licenses granted by Company pursuant to this Agreement.

2.4 Usage Restrictions

The Services may impose usage restrictions on specific features or settings, such as limits on access frequency, storage capacity, or other system resources. Related limitations are set out in documentation, guidelines, or policies we make available to you.

2.5 Supplemental Terms

Your use of certain features of the Services may be subject to additional terms ("Supplemental Terms"), which will be presented to you for acceptance when you sign up to use those features. If these Terms are inconsistent with the Supplemental Terms, the Supplemental Terms control with respect to those features.

2.6 Linking Your RockFlow Account

Bobby and RockFlow operate independent account systems. Certain features (such as portfolio analysis and trading) rely on data and capabilities that belong to your RockFlow brokerage account and work only if you choose to link the two.

By choosing to link your RockFlow account, you authorize Bobby to access your RockFlow brokerage data (such as your holdings, asset data, and transaction history) and, where applicable, to place trades on your behalf — with each trade still requiring your confirmation within Bobby. You represent that you are entitled to grant such authorization. Bobby does not perform RockFlow account opening or KYC and does not receive your RockFlow login password; the account-opening and KYC process is handled by RockFlow. RockFlow is an independent party, and your relationship with RockFlow is governed solely by your agreement(s) with RockFlow. You may unlink your RockFlow account at any time in Bobby's settings, as further described in our Privacy Policy. Company disclaims any liability for the acts or omissions of RockFlow.

2.7 Messaging Services

We may send you SMS text messages, such as one-time verification codes used to register or sign in and service-related notifications. Message and data rates may apply. You are responsible for ensuring that the mobile number associated with your account is accurate and current.

2.8 Third-Party Application Access (App Stores)

With respect to any application accessed through or downloaded from the Apple App Store (an "App Store Sourced Application"), you shall only use it as permitted by the "Usage Rules" set forth in the Apple Media Services Terms and Conditions. The following applies to any App Store Sourced Application:

You acknowledge that this Agreement is concluded between you and Company only, and not Apple, and that Company, not Apple, is solely responsible for the App Store Sourced Application and its content.
Apple has no obligation to furnish any maintenance and support services with respect to the App Store Sourced Application.
In the event of any failure of the App Store Sourced Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) to you; to the maximum extent permitted by law, Apple will have no other warranty obligation whatsoever.
Apple is not responsible for addressing any claims by you or any third party relating to the App Store Sourced Application, including product liability, legal or regulatory non-conformance, and consumer-protection claims.
In the event of any third-party claim that the App Store Sourced Application infringes that third party's intellectual property rights, Company, not Apple, will be responsible for the investigation, defense, settlement, and discharge of such claim to the extent required by this Agreement.
Apple and its subsidiaries are third-party beneficiaries of this Agreement as related to your license of the App Store Sourced Application, and upon your acceptance of this Agreement, Apple will have the right to enforce this Agreement against you as a third-party beneficiary.

For any application downloaded from the Google Play store, you must comply with the applicable Google Play terms. You must comply with all applicable third-party terms when using the application.

3. Ordering and Fees

3.1 Distribution and Payment Processing

Our products and services are distributed by Waffo.com Limited, an authorised distributor, located at RM 1903, 19/F Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. If you make a purchase on the Services, payment information you provide to complete your order is collected and processed directly by Waffo.com Limited and/or the applicable app-store billing system (such as Apple or Google). You agree to be bound by the applicable terms and privacy policy of such payment provider. Online payment transactions may be subject to validation checks, and we are not responsible if your card issuer or payment provider declines to authorize a payment for any reason.

3.2 Payment and Order Processing

You shall pay all fees or charges ("Fees") in accordance with the fees and billing terms in effect at the time a Fee is due and payable. By providing payment information, you authorize the Fees to be charged to your account. You shall keep your payment information complete and accurate. Company reserves the right to change its prices and billing methods at its discretion. Except as set forth in this Agreement or required by applicable law, all Fees are non-refundable.

3.3 Taxes

The Fees do not include any sales, use, value-added, or similar taxes ("Taxes") that may be due in connection with the Services. If Company determines it has a legal obligation to collect Taxes from you, Company will collect such Taxes in addition to the Fees. You are responsible for any Taxes and related penalties or interest payable to the relevant tax authority in connection with your use of the Services.

4. Subscription and Refund Policy

4.1 Subscription Management

Certain services or portions of the Services are available only with a paid subscription. Depending on the plan you select, you will be billed periodically (for example, monthly or annually) in advance. At the end of each billing cycle, your subscription will automatically renew at the then-current pricing unless cancelled by you or by us. By subscribing, you authorize Company (through the applicable payment provider) to charge the payment method designated in your account now and at the beginning of each subsequent subscription period.

You can cancel your subscription renewal through your account settings or the applicable app store, or by contacting us at cs@bobby.ai. You will not receive a refund for fees already paid for the current subscription period, and you will continue to have access until the end of that period.

4.2 Billing and Fee Changes

You must provide accurate and complete billing information. We reserve the right to modify subscription fees at any time. Any change to subscription fees will become effective at the end of the current subscription period, and we will provide reasonable advance notice, allowing you the opportunity to cancel before the change takes effect. Continuing to use the Service after a fee change is effective constitutes your agreement to the modified fee.

4.3 Credits

The Services may, now or in the future, offer features that operate on a credit-based system. Where offered, credits may be purchased, earned, or granted through promotions or subscriptions, and each service may consume a number of credits ("Credits") determined at Company's discretion based on factors such as complexity, volume, or duration. Company reserves the right to introduce, modify, or discontinue the Credit system and to adjust the number of Credits required to access specific features, with or without notice. Except where required by law, all Credit purchases are final and non-refundable, and unused Credits may be forfeited upon termination of your account. Credits may only be used by the account to which they were issued and may not be transferred, resold, or exchanged for cash.

4.4 Refund Policy

Except where required by applicable law, all payments made for subscriptions, Credits, or other paid features are final and non-refundable. The Company may, at its sole discretion, consider a refund request in exceptional circumstances. If you are a consumer residing in the European Union or the United Kingdom, you have the right to withdraw from your purchase within 14 days in accordance with applicable consumer-protection laws. Approved refunds will be processed to your original payment method within a reasonable period, depending on your payment provider's processing time. For any refund inquiries, contact us at cs@bobby.ai.

5. Content and AI

5.1 Your Responsibility

Subject to your compliance with this Agreement, you may share or upload information, data, text, images, files, and other materials ("Content") through the Services, including by way of your prompts, comments, questions, uploaded files, and other input (collectively, "Input"). You, and not Company, are entirely responsible for all Input you make available through the Services. When you make available any Input, you represent that you own or have sufficient rights to use such Input in connection with the Services, including to grant the license set forth in Section 5.3.

In response to your Input, the Services, together with AI Services (as defined below), may generate new Content (the "Output"). You acknowledge that the Output is based on your Input. All Output is provided "as is", and Company makes no representations or warranties of any kind with respect to any Input or Output, including any warranties of accuracy, completeness, truthfulness, timeliness, or suitability. You are solely responsible for your use of any Output and assume all risks associated with it, including any decisions made or actions taken in reliance on any Output.

You represent and warrant that you are solely responsible for the accuracy, appropriateness, and legality of your Input, and that you have obtained all consents required under applicable data-protection laws from any third parties to whom the Input relates, to enable us to process your Input in connection with the Services.

5.2 Content Ownership

The Company does not claim ownership of any Input or Output (collectively, "Your Content"). As between the Company and you, you own all right, title, and interest in Your Content. Given the nature of the Service, you acknowledge that: (a) Output may not be unique across users, and the Services may generate the same or similar output for another user; and (b) the Company does not represent or warrant that the Output is protectable by any intellectual property rights.

5.3 License

You grant us and our affiliates a non-exclusive, worldwide, royalty-free, transferable, sublicensable license to copy, display, upload, store, modify, and otherwise use Your Content solely to provide and operate the Services for you and to monitor your compliance with these Terms. We do not use Your Content to train or improve artificial-intelligence models. If we process any personal information contained in Your Content, we will process it as explained in our Privacy Policy.

5.4 AI Services

The Company provides certain features leveraging third-party artificial-intelligence platforms, algorithms, services, and models ("AI Services") to power the Service's functions. By using these functions, you consent and authorize the Company to share the Input you provide with one or more third-party providers of such AI Services in order to complete your request and generate Output. You assume all risks associated with your use of such AI Services. Company will have no liability for the unavailability of any AI Service or any third party's decision to discontinue, suspend, or terminate any AI Service. YOU, AND NOT COMPANY, SHALL BE SOLELY RESPONSIBLE FOR YOUR USE OF THE FUNCTIONS THAT UTILIZE AI SERVICES, AND ANY DECISIONS YOU MAKE IN RELIANCE ON INFORMATION PROVIDED BY THE AI SERVICES ARE AT YOUR OWN RISK.

5.5 Content Restrictions

Your use of the Services must comply at all times with this Agreement and any applicable AI Services terms. Without limiting the foregoing, you must not share or make available Input or other Content, or attempt to create Output, that: (A) is unlawful, threatening, abusive, harassing, defamatory, deceptive, fraudulent, invasive of another's privacy, obscene, or offensive; (B) infringes or misappropriates any third party's intellectual property or other proprietary rights; (C) contains any viruses, worms, or other malicious code; (D) contains sensitive personal information of any individual without authorization, including government identification numbers, health or biometric information, financial-account credentials, precise geolocation, or genetic data; or (E) involves commercial activities such as contests, sweepstakes, advertising, or pyramid schemes without Company's prior written consent. You may not post any Content that includes an identifiable person without that person's express consent.

5.6 Content Storage

Unless expressly agreed by Company in writing, Company has no obligation to store any of Your Content. Company has no responsibility or liability for the deletion or accuracy of any Content, or for the failure to store, transmit, or receive any Content.

5.7 Third-Party Websites, Applications, and Services

The Services may contain links to, or allow you to integrate with, third-party websites, applications, and services (including RockFlow, app-store billing systems, and third-party login providers) (collectively, "Third-Party Services"). Such Third-Party Services are not under the control of Company, and Company is not responsible for them. Company provides these only as a convenience and does not review, endorse, or make any representations with respect to Third-Party Services. You use all Third-Party Services at your own risk, and your relationship with any Third-Party Service provider is governed solely by your agreement with them. You should review their applicable terms and privacy policies before proceeding.

6. Intellectual Property

6.1 Ownership

We do not own any of your Input or Output (as described in Section 5.2). We retain all rights, title, and interest in and to the Usage Data (as defined below), the Services (including the skills, expertise, and methods used to provide them), and any improvements thereof, including all intellectual property rights. "Intellectual Property Rights" refers to patents, copyrights and related rights, moral rights, database rights, rights to software code, domain names, trademarks, logos, trade names, design rights, rights to confidential information, and any other intellectual property rights, whether registered or unregistered, anywhere in the world.

"Bobby", "FLOW AI", and all related stylizations, graphics, logos, service marks, and trade names used on or with the Services are the trademarks of Company and may not be used without permission. The names and logos of other companies, products, and services used in the Services may be trademarks of their respective owners.

You authorize Company and its third-party service providers to generate data, information, insights, statistics, and usage data related to our provision of the Services and your use of the Service ("Usage Data").

6.2 Third-Party Intellectual Property

The Services may include intellectual property, including open-source software, owned by third parties. Such third-party intellectual property may be licensed to you under separate terms ("Third-Party Terms"), which will be made available to you and which you agree to comply with. Company is not responsible for such third-party intellectual property.

6.3 Feedback

You agree that submission of any ideas, suggestions, or proposals to Company ("Feedback") is at your own risk and that Company has no obligations (including obligations of confidentiality) with respect to such Feedback. You grant Company a fully paid, royalty-free, perpetual, irrevocable, worldwide, non-exclusive, and sublicensable license to use, reproduce, modify, and otherwise exploit any and all Feedback in connection with the operation of the Services and Company's business.

7. Term and Termination

The term of this Agreement commences when you accept this Agreement and continues while you use the Services, unless terminated earlier in accordance with this Agreement.

If you have materially breached any provision of this Agreement, or if Company is required to do so by law, Company has the right, immediately and without notice, to suspend or terminate any Services provided to you. Company reserves the right to terminate this Agreement or your access to the Services at any time upon notice to you.

If you wish to terminate this Agreement, you may do so by deleting your account in the app under Settings → Account → Delete Account.

Upon termination, your right to use the Services will automatically terminate, and we may delete Your Content stored on the Services in accordance with our Privacy Policy. Company will not have any liability to you for any suspension or termination, including for deletion of Your Content. All provisions of this Agreement which by their nature should survive will survive termination, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

8. Privacy

We process your personal information as data controller for the purposes of providing the Services and managing your relationship with us in accordance with these Terms, including billing and payment activities. With respect to the brokerage data accessed through your authorization, RockFlow acts as an independent controller. Our Privacy Policy explains how we collect and use personal information.

9. Disclaimer

YOU EXPRESSLY UNDERSTAND AND AGREE THAT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK, AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS. THE COMPANY PARTIES (AS DEFINED BELOW) EXPRESSLY DISCLAIM ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

THE COMPANY PARTIES MAKE NO WARRANTY THAT: (I) THE SERVICES OR ANY OUTPUT WILL MEET YOUR REQUIREMENTS; (II) YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; OR (III) THE OUTPUT, ADVICE, RESULTS, OR INFORMATION OBTAINED FROM THE SERVICES WILL BE ACCURATE OR RELIABLE. YOU ACKNOWLEDGE THAT COMPANY MAKES AVAILABLE THE OUTPUT OF THIRD-PARTY AI SERVICES AND IS NOT THE PROVIDER OF ANY AI SERVICE OR ITS OUTPUT. NOTHING IN THE SERVICES CONSTITUTES INVESTMENT, FINANCIAL, LEGAL, OR TAX ADVICE.

10. Indemnification

You shall indemnify and hold Company, its parents, subsidiaries, affiliates, officers, employees, agents, partners, suppliers, and licensors (each, a "Company Party" and collectively, the "Company Parties") harmless from any losses, costs, liabilities, and expenses (including reasonable attorneys' fees) relating to or arising out of: (i) Your Content or any use of the Output by you; (ii) your use of, or inability to use, the Services; (iii) your violation of this Agreement; (iv) your violation of any rights of another party; (v) your violation of any applicable laws, rules, or regulations; or (vi) any dispute between you and any Third-Party Service provider, including RockFlow. Company reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. The provisions in this Section will survive any termination of your account, this Agreement, and/or your access to the Services.

11. Limitation of Liability

Notwithstanding anything to the contrary and to the fullest extent permitted by law, under no circumstances shall the Company, its affiliates, or any licensors or suppliers be liable for:

(a) any consequential, indirect, special, incidental, or punitive damages;

(b) any loss of profits, business, revenue, anticipated savings, or unnecessary expenses;

(d) the cost of procuring any substitute goods or services.

To the fullest extent permitted by law, the aggregate liability of Company and its affiliates under or in connection with this Agreement and the Services shall not exceed the total amount you actually paid to Company (if any) in the three (3) months preceding the event giving rise to the liability.

The foregoing exclusions and limitations apply to the fullest extent permitted by applicable law and regardless of the theory or basis of liability. THE FOREGOING CAP ON LIABILITY DOES NOT APPLY TO LIABILITY FOR (A) DEATH OR PERSONAL INJURY CAUSED BY A COMPANY PARTY'S NEGLIGENCE; OR (B) ANY INJURY CAUSED BY A COMPANY PARTY'S FRAUD OR FRAUDULENT MISREPRESENTATION.

12. Governing Law and Dispute Resolution

12.1 Governing Law

Except as required by applicable law, these Terms and your use of the Services shall be governed by the laws of Singapore, without regard to its conflict-of-laws provisions.

12.2 Informal Dispute Resolution

If you have any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a "Dispute"), you agree to first attempt to resolve the Dispute informally by contacting us at cs@bobby.ai. You and the Company agree to participate in good-faith informal efforts to resolve the Dispute for a period of 45 days before commencing arbitration.

12.3 Arbitration

For any Dispute that is not resolved informally within the 45-day period, you and the Company agree that the Dispute will be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of the SIAC in force at the time. The seat of arbitration shall be Singapore, the language of the proceedings shall be English, and the tribunal shall consist of a sole arbitrator. Notwithstanding the foregoing, either party may apply to a court of competent jurisdiction for an injunction or other equitable relief.

12.4 Consumers in the UK and EU

If you are a consumer in the United Kingdom or the European Union, you will benefit from any mandatory provisions of the law of your country of residence, and nothing in these Terms affects your rights as a consumer to rely on such mandatory provisions. You may also bring proceedings in the competent court of your country of residence.

13. Intellectual Property / Copyright Complaints

We may terminate the privileges of any user who repeatedly infringes copyright, trademark, or other intellectual property rights. We may delete or disable content that we believe violates these Terms or is alleged to be infringing. If you believe that your intellectual property rights have been infringed, please send notice to us at cs@bobby.ai, including:

a physical or electronic signature of the person authorized to act on behalf of the rights owner;
a description of the work claimed to have been infringed;
a description of where the allegedly infringing material is located on the Services;
your address, telephone number, and email address;
a statement that you have a good-faith belief that the disputed use is not authorized by the rights owner, its agent, or the law; and
a statement that the information in your notice is accurate and, under penalty of perjury, that you are the rights owner or authorized to act on the owner's behalf.

14. Miscellaneous

14.1 Legal Compliance

You represent and warrant that you are not located in, and are not listed on any list of prohibited or restricted parties under, any applicable export-control or sanctions laws.

14.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be modified and interpreted to achieve its objectives to the greatest extent permitted under applicable law, and the remaining provisions will remain in full force and effect.

14.3 Waiver

The failure to exercise a right or require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

14.4 Electronic Notice

Communications between you and Company may take place via electronic means. You consent to receive communications from Company in electronic form and agree that all agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal requirement that such communications be in writing.

14.5 Assignment

This Agreement may not be assigned or transferred by you without Company's prior written consent. Company may freely assign and transfer this Agreement, including any of its rights and obligations, without your consent.

14.6 Modifications

When changes are made, Company will make a new copy of these Terms available on the Service and update the "Last updated" date above. If we make material changes and you have registered an account, we will also notify you by email or other appropriate means. Unless otherwise stated, any changes will be effective immediately for users without an account and thirty (30) days after posting for users with an account. IF YOU DO NOT AGREE TO ANY CHANGES AFTER RECEIVING NOTICE, YOU SHALL STOP USING THE SERVICE.

15. Contact Us

If you have any questions about these Terms, you can contact us at:

Email: cs@bobby.ai
Entity: FLOW AI PTE. LTD., 2 Venture Drive, #11-31, Vision Exchange, Singapore 608526
Website: https://bobby.ai/