Terms and Conditions of Service

1.1 Information Directory Only: SolveMY is a commission-free two-sided local physical services matching and directory platform. The Platform facilitates the introduction, verified business directory listing, and direct communication between service seekers ("Seekers") and physical service providers ("Providers" or "Merchants") for real-world physical services. 1.2 No Agency or Employment: SolveMY is NOT a service provider, contractor, or employment agency. No joint venture, partnership, employment, or agency relationship exists between SolveMY and any User. 1.3 No Mediation of Transactions: All transactions, service scopes, pricing, and payments are negotiated and settled directly between Seekers and Providers outside the Platform (via WhatsApp, phone calls, or cash/private bank transfers). SolveMY does not touch, hold, or process any service transaction funds.

2.1 Legal Age: You must be at least eighteen (18) years old to create an account on SolveMY. 2.2 Accuracy of Information: Users agree to provide true, accurate, and complete information during registration and Know-Your-Customer (KYC) verification. 2.3 Identity Verification (KYC): Providers and Merchants must undergo identity and/or business registration (SSM) verification. While SolveMY utilizes automated and manual reviews, we do not guarantee the absolute validity or background check of any User. Seekers are advised to exercise due diligence before engaging any Provider.

Users strictly agree NOT to list, offer, solicit, or request services that fall under the SolveMY Prohibited Services List. Engaging in any of the following prohibited categories will result in immediate content removal, account suspension, or permanent ban with forfeiture of fees: 3.1 Legal, Regulatory & Substance Violations: • Illegal Substances: Solicitation, transportation, distribution, or purchase of illegal narcotics, prescription-only drugs, non-approved supplements, e-cigarettes/vapes, or controlled chemicals. • Weapons & Explosives: Any services involving firearms, ammunition, fireworks, hazardous chemicals, or explosive materials. • Smuggling & Contraband: Utilizing the "errands/delivery" service to transport untaxed cigarettes, illicit alcohol, or contraband items. 3.2 Restricted, Unlicensed & Shadow Industries: • Adult & Sexual Services: Prostitution, escort services, adult entertainment booking, pornographic content creation, or any services of a sexual nature. • Unlicensed Financial Services: Unlicensed money lending (Ah Long), cash-outs, unauthorized currency exchanges, credit card flipping, or unlicensed financial/investment advice. • Pyramid Schemes & MLM: Recruitment for multi-level marketing, passive income guarantee schemes, get-rich-quick schemes, or matrix marketing. • Click Farms & Fake Reviews: Offering or purchasing services to manipulate digital ratings, writing fake reviews (on Google Maps, XiaoHongShu, TikTok, etc.), or generating artificial social media traffic. 3.3 Professional Licensing & Qualification Red Lines: • Medical & Dental: Any surgical, dental, diagnostic, or aesthetic injection procedures (e.g., unlicensed Botox/fillers) performed by individuals without a valid license from the Ministry of Health Malaysia (MOH). • Legal & Litigation: Unlicensed legal representation or formal court counsel provided by non-practicing lawyers. • High-Risk Engineering: Structural demolitions, major electrical grid tap-ins, or public safety works without valid Construction Industry Development Board (CIDB) or relevant governmental certifications. • Unlicensed Security & Travel: Providing private bodyguard services without Ministry of Home Affairs (KDN) approval, or operating cross-state commercial tour/chauffeur services without a valid commercial vehicle license from the Ministry of Transport (MOT). 3.4 Academic, Ethical & Social Harm: • Academic Fraud: Ghostwriting essays, thesis creation, or exam-cheating assistance. • Debt Collection & Harassment: Services involving threats, intimidation, public shaming, or aggressive debt recovery tactics. • Copyright Infringement: Services offering to hack, jailbreak devices, duplicate access cards without authorization, or install pirated software/Astro boxes. • Wildlife Trade: Sale, transport, or grooming assistance for protected wildlife species under the Wildlife Conservation Act. 3.5 Malaysia-Specific Religious & Cultural Protections: • Halal Misrepresentation & Fraud: Intentionally misleading consumers by falsely claiming "Halal Compliance" or causing cross-contamination (e.g., using non-Halal transport/tools for Halal-designated cleaning or food services). • Superstition & Sorcery Scams: Offering fraudulent sorcery, black magic (Bomoh/Sihir), or superstitious luck-altering services targeted at financial exploitation. • Political & Racial Mobilization: Utilizing the Platform to organize unpermitted political rallies, protests, or distributing materials containing hate speech targeting any specific race, religion, or royalty (3R issues) in Malaysia. 3.6 Bypassing Platform Frameworks: Creating multiple duplicate accounts, utilizing automated bots, or hacking platform routing mechanics to bypass the daily inquiry allocation or manipulate the 100-Point Credit System.

4.1 Physical Verification & Onboarding Status: Access to provider listing capabilities requires identity and/or SSM business registration verification. To be verified, Providers must pay a monthly onboarding and compliance administration fee for either Individual Provider Verification (individuals without an SSM-registered business or physical shop) or Merchant Verification (SSM-registered businesses operating a physical shop). SolveMY decides which verification applies from the documents submitted; Providers cannot choose. The fee covers manual identity and document checks, SSM compliance maintenance, and storefront physical location verification conducted by our operations team, and is collected by our team at the monthly verification visit. 4.2 What Verification Allows: Verified status allows a Provider to publish services and send quotes. Limits depend on the kind of verification: individual Providers may publish up to 3 services within a 25 km radius, and Merchants may publish up to 6 services within a 50 km radius, with their shop location and business badge shown on their profile. Other limits are shown in the provider account. 4.3 Non-Refundable: All verification and administrative fees are 100% non-refundable, regardless of whether the Provider successfully secures physical service jobs during the active verification period. Paying the fee does not guarantee verification: if the documents are insufficient or a verification check fails, the Provider is not verified and the fee is not refunded. The only exception is a duplicate payment made by mistake, as set out in our Refund & Cancellation Policy. 4.4 Maintenance of Verified Status: Verified status lasts one month. The monthly onboarding and compliance administration fee is paid at each monthly verification to maintain active, verified physical entity status on the platform's local physical service directory. If a monthly verification is not completed, verified status ends at the end of the current month and the Provider's services are no longer shown to Seekers until the Provider is verified again. Providers may manage or withdraw their verification status at any time via the web portal.

5.1 Initial Credit Allocation: Every verified Provider starts with a base of 100 Credit Points. 5.2 Deductions & Penalty: SolveMY reserves the absolute right to deduct points or terminate accounts based on validated user reports (e.g., no-shows, scam, sudden price hikes, or illegal conduct). 5.3 One-Strike Ban: Any involvement in fraud, scams, or criminal activities will result in an immediate 0-score termination and a permanent blacklist of the user's IC/Passport and SSM registration, with zero refund of any paid verification or administrative fees.

6.1 "As-Is" Basis: The Platform is provided on an "as-is" and "as-available" basis. SolveMY makes no warranties regarding the quality, safety, legality, timeliness, or honesty of any services rendered by Providers. 6.2 Indemnification: To the maximum extent permitted by Malaysian law, Startone Venture and SolveMY shall NOT be liable for any direct, indirect, incidental, punitive, or consequential damages, including but not limited to: • Financial losses, property damage, personal injury, or contractual breaches (including "no-shows" or uncompleted tasks) caused by any offline service interactions. • Scams, theft, or fraud committed by either Seekers or Providers. • Network interruptions, data loss, or WhatsApp routing delays.

By using SolveMY, you consent to the collection, processing, and storage of your personal data (including IC, phone numbers, and location data) in accordance with the Malaysian Personal Data Protection Act 2010 (PDPA) and our Privacy Policy. SolveMY will never sell your data, but reserves the right to disclose verified KYC info to Royal Malaysia Police (PDRM) or regulatory bodies in the event of criminal investigation.

These Terms shall be governed by and construed in accordance with the laws of Malaysia. Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of Malaysia.

We reserve the right to modify or replace these Terms at any time. Updated versions will be posted within the App. Your continued use of the Platform after such changes constitutes acceptance of the new Terms.

If you have any questions about these Terms, please contact our Compliance Team by email: support@solvemy.com.my.