Effective date: 11 September 2026 Last updated: 11 September 2026
These Terms of Service (the “Terms“) govern access to and use of the EchoFlo platform at app.echoflo.ai (the “Platform“), operated by Echo Collective Pte. Ltd. (UEN 202321542W), a company incorporated in Singapore (“EchoFlo“, “we“, “us“).
They do not govern the echoflo.io website, which has its own separate terms.
1. Definitions
“Customer“ means the business entity that subscribes to the Platform. “Authorised User“ means an individual the Customer permits to use the Platform, typically an employee, officer or contractor of the Customer. “Customer Data“ means all data, documents, records and content the Customer or its Authorised Users submit to, or generate through, the Platform, including personal data of the Customer’s own staff, customers and suppliers. “AI Features“ means functions of the Platform that use machine learning or large language models to classify, extract, summarise, draft, propose or carry out actions. “Agentic Action“ means an action the Platform takes in the Customer’s name without a person confirming that individual action at the moment it happens, for example sending a message, creating a record or submitting a form. “Human Approval“ means a Platform control requiring a named Authorised User to approve an action before it takes effect. “Order“ means the subscription plan, fees and term agreed between the parties, whether accepted online or in a signed document.
2. Agreement to these Terms
2.1 By creating an account, accessing the Platform, or permitting an Authorised User to do so, the Customer agrees to these Terms.
2.2 The individual accepting these Terms warrants that they are authorised to bind the Customer. Where an Authorised User accepts these Terms in the course of their employment, the Customer is the contracting party, not that individual.
2.3 The Customer is responsible for its Authorised Users’ compliance with these Terms, and their acts and omissions are treated as the Customer’s own.
3. The Platform, and what it is not
3.1 EchoFlo grants the Customer a non-exclusive, non-transferable, revocable right to access and use the Platform during the subscription term, for the Customer’s own internal business purposes.
3.2 The Platform is business software, not a professional adviser. It includes functions relating to accounting, tax (including GST), statutory payroll contributions (including CPF), and filings with Singapore authorities. EchoFlo is not an accountant, tax agent, corporate secretary, payroll bureau or law firm, and does not provide accounting, tax, legal or financial advice.
3.3 The Customer remains the filer, employer and payer of record. Responsibility for the accuracy, completeness and timeliness of any return, filing, contribution, payslip, invoice or payment produced with the Platform rests with the Customer. Figures the Platform calculates or proposes must be checked by the Customer before they are relied on, filed or paid.
3.4 EchoFlo may change, add to or remove Platform features. Where a change materially reduces functionality the Customer relies on, EchoFlo will give at least 30 days’ notice, and the Customer may terminate under clause 14.4.
4. Accounts and security
4.1 The Customer must keep account credentials confidential, ensure each Authorised User has their own credentials, and not share logins between people.
4.2 The Customer must promptly remove access for anyone who ceases to be an Authorised User. Access removal is a Customer responsibility, not EchoFlo’s.
4.3 The Customer must notify EchoFlo without undue delay on becoming aware of any unauthorised access to its account.
5. Fees, payment and taxes
5.1 The Customer pays the fees in the Order. Unless the Order says otherwise, fees are quoted in Singapore dollars, billed in advance, and are non-refundable except as these Terms expressly provide.
5.2 Fees are exclusive of GST and other applicable taxes, which the Customer pays in addition where chargeable.
5.3 Invoices are payable within 30 days of the invoice date.
5.4 If an undisputed invoice is more than 30 days overdue, EchoFlo may, on 7 days’ written notice, suspend access until payment is made. Suspension does not relieve the Customer of the obligation to pay.
5.5 EchoFlo may change fees on 60 days’ written notice, effective from the next renewal term. The Customer may decline by terminating before that term begins.
6. Customer Data and intellectual property
6.1 The Customer owns its Customer Data. Nothing in these Terms transfers ownership of Customer Data to EchoFlo.
6.2 The Customer grants EchoFlo a limited licence to host, process, transmit and display Customer Data strictly as needed to provide the Platform, to support the Customer, and to meet legal obligations.
6.3 EchoFlo owns the Platform, including its software, models, workflow logic, interfaces and documentation, and all improvements to them.
6.4 EchoFlo may generate aggregated and anonymised statistics from Platform usage, and owns those, provided they cannot reasonably be used to identify the Customer, any Authorised User, or any individual. EchoFlo will not disclose Customer Data to other customers.
6.5 EchoFlo does not use Customer Data to train models that serve other customers.
7. AI Features and Agentic Actions
7.1 AI Features produce probabilistic output. They can be incomplete, inaccurate, or confidently wrong. Output must be reviewed by a person before it is relied on for any decision with financial, legal, employment or regulatory consequence.
7.2 Where the Platform offers Human Approval for an action, and the Customer turns that control off, reduces its scope, or grants approval rights broadly, the Customer accepts responsibility for the resulting Agentic Actions. EchoFlo’s liability for such actions is limited accordingly.
7.3 The Customer is responsible for the content of communications the Platform sends on its behalf, including messages sent through connected channels, and for having a lawful basis to contact the recipient.
7.4 EchoFlo maintains logs of Agentic Actions. Those logs are the primary record of what the Platform did and when, and either party may rely on them.
7.5 EchoFlo does not warrant that AI Feature output is free of third-party rights. Where output is materially shaped by material the Customer supplied, the Customer is responsible for that output.
7.6 AI processing may occur outside Singapore. Some AI Features send content to providers that process it in the United States. Hosting and storage of Customer Data remain in Singapore under clause 10.4. The Platform Privacy Notice names each provider and where it processes. A Customer that requires all processing to remain in Singapore should not enable the AI Features concerned.
8. Connected third-party services
8.1 The Platform can connect to third-party services chosen by the Customer, including WhatsApp Business through the Meta Cloud API, Instagram and Facebook, TikTok, Google and Microsoft email and calendar, and payment and accounting services.
8.2 Those services are governed by their own terms between the Customer and the provider. EchoFlo does not control them and is not responsible for their availability, changes, suspension of the Customer’s access, or their acts.
8.3 The Customer must comply with the provider’s policies, including messaging policies, opt-in requirements and content restrictions. Breach can result in the provider suspending or banning the Customer’s account, and EchoFlo is not liable for that outcome.
8.4 If a provider changes or withdraws access to its service, EchoFlo may change or withdraw the corresponding feature without liability.
9. Acceptable use
The Customer must not, and must not permit anyone to:
(a) send unsolicited commercial messages, or breach any messaging platform’s policies; (b) generate synthetic media intended to deceive as to a real person’s words or acts; (c) process personal data for purposes not disclosed to the individuals concerned, or without a lawful basis; (d) upload material that infringes another party’s rights; (e) use the Platform in breach of any law, or to facilitate a breach by another; (f) reverse engineer, decompile, or attempt to derive the Platform’s source code or models, except to the extent this restriction cannot lawfully be excluded; (g) probe, scan or test the Platform’s security without EchoFlo’s prior written consent, or access data belonging to another customer; (h) resell, sublicense or provide the Platform to a third party as a service; (i) use the Platform in a way that creates liability for EchoFlo towards a regulator or a third-party provider.
EchoFlo may suspend access immediately where it reasonably believes conduct under this clause is occurring and presents a risk of harm, and will tell the Customer promptly and work in good faith to restore access once resolved.
10. Data protection
10.1 The EchoFlo Platform Privacy Notice at echoflo.io/platform-privacy describes how personal data on the Platform is handled, and forms part of these Terms.
10.2 For personal data the Customer puts on the Platform, the Customer is the organisation responsible for it under the Personal Data Protection Act 2012 and EchoFlo processes it on the Customer’s instructions.
10.3 The Customer warrants it has a lawful basis to provide the personal data it uploads, including data about its own staff, customers and suppliers, and has given any notice and obtained any consent required.
10.4 Data location. Customer Data is hosted and stored in Singapore, on DigitalOcean (SGP1) and Supabase (ap-southeast-1). EchoFlo will not move primary storage outside Singapore without notifying the Customer at least 30 days beforehand. Clause 7.6 applies separately to AI processing, which is not storage.
10.5 Sub-processors. EchoFlo uses third parties to provide the Platform, listed in the data processing agreement, which EchoFlo will keep current. EchoFlo will give at least 30 days’ notice before adding a new sub-processor that processes Customer Data, and the Customer may object on reasonable data protection grounds.
10.6 Breach notification. EchoFlo will notify the Customer without undue delay, and in any event within 24 hours, of becoming aware of a confirmed breach affecting the Customer’s personal data, with the information the Customer reasonably needs to meet its own notification duties.
10.7 On termination, EchoFlo will delete Customer Data within 30 days of the Customer’s written request, or within 90 days of termination if no request is made, except where retention is required by law. Backups are deleted on their ordinary cycle.
11. Confidentiality
11.1 Each party will keep the other’s confidential information confidential, use it only for the purposes of these Terms, and protect it with at least reasonable care.
11.2 This does not apply to information that is public through no breach, was already known without restriction, is independently developed, or must be disclosed by law, provided the disclosing party is told first where lawful.
12. Service availability
12.1 EchoFlo will use commercially reasonable efforts to make the Platform available 99.5% of each calendar month, excluding: (a) scheduled maintenance notified at least 48 hours in advance; (b) emergency maintenance needed to protect security or data integrity; (c) failures of third-party services outside EchoFlo’s control; (d) downtime caused by the Customer, its Authorised Users, or its connected services; (e) force majeure.
12.2 If EchoFlo falls below 99.5% in a calendar month, the Customer may request a service credit within 30 days. Credits are the Customer’s sole remedy for unavailability and are capped at 30% of that month’s fees. Credits are applied against future fees and are not paid in cash.
12.3 If EchoFlo falls below 99.5% in three consecutive months, the Customer may terminate on written notice without penalty and receive a pro-rata refund of prepaid fees.
13. Warranties and disclaimers
13.1 Each party warrants it has the authority to enter into these Terms.
13.2 EchoFlo warrants it will provide the Platform with reasonable skill and care, and will not materially reduce its security measures during the term.
13.3 Apart from the express warranties in these Terms, and to the extent permitted by law, the Platform is provided “as is“. EchoFlo does not warrant that it will be uninterrupted or error free, or that AI Feature output will be accurate or fit for a particular purpose.
13.4 Nothing in these Terms excludes liability that cannot lawfully be excluded, including under the Unfair Contract Terms Act.
14. Term, suspension and termination
14.1 These Terms begin when the Customer first accesses the Platform and continue for the subscription term in the Order, renewing automatically for successive terms of the same length unless either party gives notice not to renew at least 30 days before the end of the current term.
14.2 Either party may terminate immediately on written notice if the other commits a material breach that is not remedied within 30 days of notice, or becomes insolvent.
14.3 EchoFlo may suspend access under clauses 5.4 or 9.
14.4 The Customer may terminate under clauses 3.4, 5.5 or 12.3.
14.5 On termination, the Customer’s access ends. For 30 days afterwards EchoFlo will make Customer Data available for export in a commonly used machine readable format. After that, clause 10.7 applies.
14.6 Clauses 6, 10.7, 11, 13.3, 15, 16, 18 and 19 survive termination.
15. Limitation of liability
15.1 Neither party is liable for indirect or consequential loss, loss of profit, loss of revenue, loss of anticipated savings, or loss of goodwill.
15.2 EchoFlo’s total liability arising out of or in connection with these Terms is limited, per Customer, to the greater of: (a) the fees paid by that Customer in the 12 months before the event giving rise to the claim; or (b) SGD 5,000.
15.3 Clauses 15.1 and 15.2 do not apply to: death or personal injury caused by negligence; fraud or fraudulent misrepresentation; wilful misconduct; the Customer’s obligation to pay fees; or either party’s indemnity obligations under clause 16.
15.4 The Customer is responsible for maintaining its own records and backups of information it depends on, independently of the Platform.
16. Indemnities
16.1 EchoFlo will indemnify the Customer against amounts awarded by a court, or agreed in settlement, for a claim that the Platform itself infringes a third party’s intellectual property rights in Singapore, provided the Customer tells EchoFlo promptly, gives EchoFlo control of the defence, and does not admit liability. This does not apply where the claim arises from Customer Data, from the Customer’s instructions, or from use of the Platform in breach of these Terms.
16.2 The Customer will indemnify EchoFlo against loss arising from: Customer Data infringing a third party’s rights; the Customer’s breach of clause 9; the Customer’s breach of a connected provider’s policies; or a claim by an individual that the Customer processed their personal data without a lawful basis.
17. Changes to these Terms
17.1 EchoFlo may update these Terms. For changes that materially affect the Customer’s rights, EchoFlo will give at least 30 days’ notice before they take effect, and the Customer may terminate before then if it does not accept them.
17.2 EchoFlo will keep previous versions available, and each version carries the date it took effect.
18. Governing law and disputes
18.1 These Terms are governed by the laws of Singapore.
18.2 The parties will first try in good faith to resolve any dispute by discussion between senior representatives within 30 days.
18.3 If the dispute is not resolved and the amount in issue exceeds SGD 100,000, it will be referred to arbitration in Singapore under the SIAC Rules, before one arbitrator, in English. Otherwise the courts of Singapore have exclusive jurisdiction.
19. General
19.1 Entire agreement. These Terms, the Order, the Platform Privacy Notice and any data processing agreement are the whole agreement, and replace any earlier understanding. The echoflo.io website terms do not apply to the Platform.
19.2 Order of precedence. If there is a conflict: a signed data processing agreement, then a signed Order, then these Terms.
19.3 Assignment. Neither party may assign without the other’s consent, except that either may assign to a purchaser of its business, and EchoFlo may assign within its group.
19.4 No waiver. Failure to enforce a right is not a waiver of it.
19.5 Severability. If a provision is unenforceable, the rest continues.
19.6 Notices. Notices to EchoFlo go to Echo Collective Pte. Ltd., 60 Paya Lebar Road, #06-28, Paya Lebar Square, Singapore 409051, marked for the attention of the Data Protection Officer, and by email to tech@echoflo.io. Notices to the Customer go to the account’s registered admin email.
19.7 Force majeure. Neither party is liable for failure caused by events beyond its reasonable control.
19.8 No third-party rights. No one other than the parties may enforce these Terms under the Contracts (Rights of Third Parties) Act.