Terms of Sale

1. Identification

These Terms of Sale govern all sales of services offered by VBCreation Pte. Ltd. (UEN 202620906D), registered office: 160 Robinson Road #14-04, Singapore 068914, hereinafter "VBCreation".

2. Acceptance

Any order implies full and unreserved acceptance of these Terms of Sale. The customer acknowledges having read them before validating the payment.

3. Offers and services

VBCreation offers two categories:

• Monthly or annual subscriptions (Essential, Business, Premium plans) — recurring development, AI integration, and maintenance services.
• One-shot project engagements (MVP, SaaS, AI audit, integration on quote).

4. Pricing and billing

Prices are stated in euros (EUR) and payable in advance. The amount charged matches the figure displayed at order confirmation.

Any applicable taxes are determined from the customer's location, status, and information supplied at checkout, then displayed before confirmation and on the invoice. No exemption, reverse-charge treatment, or zero rate is guaranteed unless the corresponding legal and tax conditions have been validated.

VBCreation reserves the right to change its prices. Existing subscribers are notified at least 30 days before any change applied to their next renewal.

5. Payment terms

Payments are processed through Stripe Checkout. Only methods actually displayed at checkout are accepted; AI SaaS Study checkout currently offers card payment. SEPA payment is not promised.

VBCreation does not directly collect the full card number or security code. Stripe receives payment credentials; VBCreation receives the identifiers, transaction status, and billing details needed to administer the order.

For a recurring-payment failure, retry count and timing and the subscription's final state depend on the active Stripe configuration. No fixed number of retries is guaranteed.

6. Renewal and cancellation

Subscriptions auto-renew at term end (monthly or yearly) for an identical period, unless cancelled beforehand.

Customers may cancel at any time from their account portal (Stripe Customer Portal). Cancellation takes effect at the end of the current paid period — no prorated refund is issued unless mandatory rules require otherwise.

7. Right of withdrawal (EU consumers)

Under EU Directive 2011/83/EU, consumers residing in the European Union have 14 calendar days from subscription to exercise their right of withdrawal, without needing to provide a reason.

By subscribing with immediate access to the services, the customer expressly agrees to performance of the contract before the end of the withdrawal period and acknowledges losing the right of withdrawal once the service is fully performed or begun at their request (Art. 16 Directive 2011/83/EU).

To exercise the right of withdrawal when applicable: send a request to [email protected] with your order ID. Refund is issued within 14 days via the original payment method.

8. Refunds

Outside the right of withdrawal, payments are non-refundable. Exceptional requests (billing error, duplicate charge) will be reviewed case by case within 14 days. If the generation of an AI SaaS Study fails (quality control or technical incident), the corresponding payment is automatically refunded in full, without any request from the Customer.

9. Payment and data providers

The following services are involved in sales operations:

• Stripe Payments Singapore Pte. Ltd. — payment processing, subscription management, billing, fraud prevention.
• Resend Inc. — transactional email delivery (confirmation, renewal, payment failure).

Some data may be processed outside Singapore where these providers operate. Applicable safeguards depend on the provider and current contract; systematic use of Standard Contractual Clauses is not asserted.

10. Warranties

VBCreation undertakes to deliver the services with due care and in line with industry standards. Services are provided "as is", without express or implied warranty of commercial result or fitness for a particular purpose beyond the published description.

11. Limitation of liability

To the maximum extent permitted by law, VBCreation's liability under these Terms is capped at the amount paid by the customer during the 12 months preceding the triggering event. VBCreation shall not be liable for indirect damages, loss of profits, loss of data, or loss of opportunity.

12. Governing law and jurisdiction

These Terms of Sale are governed by the laws of the Republic of Singapore. However, in accordance with Article 6 of Regulation (EC) No 593/2008 (Rome I), consumers habitually resident in an EU Member State benefit from the protection of the mandatory consumer-protection rules of their country of residence and cannot be deprived of such protection by the choice of a foreign law. Pursuant to Articles 17 to 19 of Regulation (EU) No 1215/2012 (Brussels I bis), consumers may, at their choice, bring the dispute before the court of their domicile or before the competent courts of Singapore. For B2B disputes (business customers), only the courts of Singapore have jurisdiction.

13. Changes to these Terms

VBCreation may update these Terms of Sale. Changes affecting active subscriptions are notified to customers at least 30 days before entry into force. Continued subscription constitutes acceptance.

14. AI SaaS Studies — Specific terms

AI SaaS Studies refer to digital deliverables generated automatically by VBCreation from a description provided by the Customer, using third-party Anthropic Claude generative AI models. Two plans are offered: "Light" (€19, concise study) and "Pro" (€39, in-depth multi-agent study with web research). The deliverable is sent as a PDF to the email address provided at payment, generally within 15 minutes, and remains downloadable for 30 days via a secure link.

The deliverable is strictly indicative and exploratory in nature. It does not constitute legal, financial, tax, accounting or strategic professional advice, nor any guarantee of commercial success. The generative AI system used may produce factual inaccuracies, outdated data or extrapolations ("hallucinations"). The Customer remains solely responsible for decisions made on the basis of the study and undertakes to verify any critical data with authoritative sources.

Given the immediate nature of generation and delivery, the Customer expressly accepts, at payment and via a single non-pre-ticked checkbox, (i) these Terms of Sale and (ii) the immediate performance of the service together with the express waiver of the 14-day right of withdrawal, in accordance with Article L. 221-28(13°) of the French Consumer Code. This acceptance is confirmed in the post-payment recap email.

Independently of the legal guarantee of conformity (Articles L. 224-25-12 et seq. of the French Consumer Code) and the warranty against hidden defects (Articles 1641 to 1649 of the French Civil Code), VBCreation grants a commercial "Satisfied or refunded within 7 days" guarantee: the Customer may request, without justification, a full refund of the study by email to [email protected] within 7 calendar days following PDF delivery. Refund is processed within 5 business days to the original payment method.

Upon completion of each paid study, a unique discount code is issued to the Customer. This code, mentioned in the PDF and the delivery email, is valid for up to 60 days from payment and creation of the checkout session, single-use, nominative and non-transferable, and allows the amount paid for the study to be deducted from the price of a Starter MVP engagement ordered from VBCreation during that period.

Input data provided by the Customer and the generated PDF are stored for up to 30 days in VBCreation storage, then scheduled for automatic deletion. Billing records and metadata are retained separately for the periods required by applicable accounting and tax law; IRAS record-keeping requirements provide for at least 5 years from the relevant Year of Assessment where they apply.

15. Legal guarantee of conformity (digital content)

In accordance with Articles L. 224-25-1 to L. 224-25-32 of the French Consumer Code (transposing Directive (EU) 2019/770), the Customer being a consumer residing in the European Union benefits from a legal guarantee of conformity on the digital contents and services supplied by VBCreation.

For digital content supplied on a one-off basis (such as AI SaaS Studies), any lack of conformity becoming apparent within 12 months of delivery is presumed to have existed at the time of delivery, save evidence to the contrary (Article L. 224-25-16). Where a lack of conformity is established, the Customer may obtain, in order: (i) bringing the content into conformity (free regeneration), (ii) a proportional price reduction, (iii) termination of the contract with refund (Articles L. 224-25-17 to L. 224-25-23). Under Article L. 224-25-12, these rights cannot be contractually restricted.

The Customer also benefits from the warranty against hidden defects provided for in Articles 1641 to 1649 of the French Civil Code: the seller is bound by a warranty on account of the hidden defects of the digital content that render it unfit for the use for which it is intended, or that so impair such use that the buyer would not have acquired it, or would have paid a lower price, had they been aware of them. The action must be brought by the buyer within two years from the discovery of the defect (Article 1648 first paragraph).

16. Consumer mediation

In accordance with Article L. 612-1 of the French Consumer Code, Customers being consumers are entitled to free recourse to a consumer mediator for the amicable resolution of any dispute with VBCreation, provided they have first sent a written complaint to VBCreation and have not received a satisfactory reply within two months.

No consumer mediator is currently identified in this document: membership and the mediator's name, postal address, and website remain to be validated and published. B2C sales governed by French law must not be opened until this point is resolved. A prior complaint may be sent to [email protected].

17. Transparency — Regulation (EU) 2024/1689 (AI Act)

The Customer is informed that the AI SaaS Study is produced by the third-party Anthropic Claude generative AI system and delivered automatically, without systematic human editorial review. Market data may come from automated web research and other figures are estimates identified as such. Regulation (EU) 2024/1689 generally applies from 2 August 2026, subject to its specific application dates. This notice describes the service and is not a certification of compliance with that Regulation.

The PDF includes a visible notice that the study was generated by AI and is indicative. No machine-readable technical marker in the PDF metadata is promised.

Data needed for the study, including project description, sector, and budget, is sent to Anthropic, PBC in the United States for processing by Claude. Under Anthropic's published standard API policy, inputs and outputs are deleted within a maximum of 30 days, subject to security or legal exceptions or a specific agreement. No particular contractual transfer mechanism is asserted here without verification of the applicable contract.

18. EU Representative (GDPR Art. 27)

No EU representative identity has been verified and published. The [email protected] address contacts VBCreation directly and is not presented as an Article 27 representative. If such designation is required, the representative's identity and contact details must be published after formal appointment and before the processing concerned.

19. Contact

Email: [email protected]

Legal address: VBCreation Pte. Ltd., 160 Robinson Road #14-04, Singapore 068914