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.

VAT and GST regime: (a) consumers residing in the European Union — the applicable VAT is that of the country of residence (e.g. 20% in France); it is calculated and collected by VBCreation under the One-Stop-Shop (OSS non-Union) scheme of Directive (EU) 2006/112/EC, then remitted to the tax administration of the destination country; (b) EU business customers providing a valid intra-Community VAT number — invoiced excluding tax under the reverse-charge mechanism (Article 196 of Directive 2006/112/EC); (c) customers residing outside the EU and outside Singapore — services supplied under Section 21(3) of the Singapore Goods and Services Tax Act (zero-rated supply, 0% GST, international services to overseas person). Tax details applied are shown on the Stripe-issued invoice.

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 by Stripe Payments Singapore Pte. Ltd. (Stripe), a licensed payment service provider. Accepted methods: payment cards (Visa, Mastercard, Amex), SEPA transfers, and other methods enabled by Stripe.

VBCreation never has access to card data. Payment data is collected and stored exclusively by Stripe on PCI-DSS Level 1 certified infrastructure.

On payment failure, Stripe automatically retries. After four failed attempts, the subscription is suspended and then cancelled.

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 contact@vbcreation.io 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.

9. Payment and data processors

In accordance with the Singapore Personal Data Protection Act (PDPA) and the EU GDPR, VBCreation relies on the following processors for sales operations:

• Stripe Payments Singapore Pte. Ltd. — payment processing, subscription management, billing, fraud prevention.
• Resend Inc. — transactional email delivery (confirmation, renewal, payment failure).
• Sleek Tech Pte. Ltd. — bookkeeping and legal archival of invoices (7-year IRAS retention).

Some data may be transferred outside Singapore (EU, US, UK) as part of service delivery. These transfers rely on Standard Contractual Clauses and equivalent safeguards.

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 a third-party generative AI system (Anthropic Claude Opus 4.7). Two plans are offered: "Light" (€19 incl. taxes, ~8 pages, delivery within 60 seconds) and "Pro" (€39 incl. taxes, ~25 pages, delivery within 3 minutes). The deliverable is sent as a PDF to the email address provided at payment 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 is asked to expressly accept, at payment, (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. Both acceptances are collected via two separate non-pre-ticked boxes and 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 contact@vbcreation.io 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 60 days, 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 (project description) and the generated PDF are stored for 30 days in secure storage and then automatically deleted, unless the Customer expressly requests otherwise. Billing metadata (email, Stripe identifier, amount, date) is retained for 12 months for tax and accounting purposes, in accordance with IRAS obligations and EU regulations.

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.

VBCreation adheres to a consumer mediator referenced by the French Consumer Mediation Evaluation and Control Commission (CECMC). The contact details of the competent mediator are provided on simple request at contact@vbcreation.io. Referring the matter to the mediator remains entirely at the Customer's initiative and does not preclude the possibility of bringing the matter before the competent court.

In accordance with Article 14 of Regulation (EU) No 524/2013, the Customer may also use the European Online Dispute Resolution (ODR) platform, available at: https://ec.europa.eu/consumers/odr. This platform allows a complaint to be registered and an approved dispute-resolution body to be jointly designated.

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

In accordance with Regulation (EU) 2024/1689 of the European Parliament and of the Council of 13 June 2024 laying down harmonised rules on artificial intelligence (AI Act), in particular Article 50 on transparency obligations applicable to generative AI systems, the Customer is informed that the "AI SaaS Study" deliverable is produced by a third-party generative AI system (Anthropic Claude Opus 4.7). The content is subject to human editorial review by VBCreation prior to delivery to the Customer.

The document delivered to the Customer includes an explicit notice indicating that the content has been generated by an AI system and a machine-readable technical marker embedded in the PDF metadata ("Producer" and "Keywords" fields, in line with the recommendations of the European Commission's AI Office).

The data provided by the Customer (project description, sector, budget) is transmitted to our processor Anthropic PBC (USA) for processing by the Claude model. This transfer outside the European Economic Area is framed by the Standard Contractual Clauses adopted by the European Commission (Decision (EU) 2021/914 of 4 June 2021, Module 2 "controller to processor"), incorporated by reference into Anthropic's Data Processing Addendum accessible at privacy.claude.com. The maximum data retention period at Anthropic is 30 days.

18. EU Representative (GDPR Art. 27)

In accordance with Article 27 of Regulation (EU) 2016/679 (GDPR), VBCreation Pte. Ltd., established outside the European Union, has designated a representative within the European Union to act as a point of contact for data subjects and supervisory authorities on all matters relating to personal data processing. Contact details of the designated representative are provided to any person who requests them at dpo@vbcreation.io. This designation is without prejudice to VBCreation Pte. Ltd.'s legal liability under the GDPR.

19. Contact

Email: contact@vbcreation.io

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