Terms of Service

Welcome to Twenty Growth. These Terms of Service ("Terms") govern your access to and use of the website twentygrowth.co and any related services, products, or content (collectively, the "Services") provided by Twenty Growth Pte. Ltd. ("Twenty Growth", "we", "us", or "our"), a company incorporated in Singapore.

UEN: 202621126H

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old and legally able to enter into a binding contract in the country where you live or do business. If you are using the Services on behalf of a company or other organisation, you confirm that you are authorised to accept these Terms for it, and "you" means that organisation.

You are responsible for complying with the laws that apply to you where you operate. The Services are not offered to anyone barred from receiving them under applicable trade sanctions or export controls.

2. Services

Twenty Growth operates a subscription software platform that provides AI voice and WhatsApp agents, telephone numbers, and related tools. Accounts are currently opened by arrangement with us rather than by self-service signup; when self-service opens you will be able to sign up, pay, and configure an agent yourself without speaking to us. Platform plans, usage, and credits are governed by Sections 3.5 to 3.9, Section 5, Section 13, and the in-product terms shown at purchase.

We also provide consulting, AI implementation, automation, and related advisory services for businesses that want them. The scope, deliverables, timeline, and fees for any such engagement will be set out in a separate written proposal, statement of work, or order form ("Engagement Document"). Where these Terms conflict with an Engagement Document, the Engagement Document prevails for that engagement only.

3. Fees and Payment

3.1. Fees are as quoted in the applicable Engagement Document and are exclusive of GST and any applicable taxes unless stated otherwise.

3.2. Unless agreed otherwise in writing, invoices are payable within fourteen (14) days of issue.

3.3. Late payments may incur interest at 1.5% per month or the maximum rate permitted by law, whichever is lower.

3.4. All fees are non-refundable except as expressly set out in our Refund Policy.

3.5. Platform subscriptions. Access to the Twenty Growth platform is sold as a monthly or annual subscription plan. Annual plans are billed upfront, cost eleven (11) months of the monthly fee, and provide twelve (12) months of service, with the included usage allowance released monthly rather than in advance.

3.5.1. Plan fees and included allowances. Each plan carries a subscription fee and an included monthly credit allowance, together with a number of team seats and an amount of storage. The current fees, allowances, seats, storage and usage rates for every plan are published on our pricing page and in the platform, and the figures shown there at the time you subscribe are the ones that apply to you. Where a plan is sold to you under a written quotation or order form, the figures in that document prevail.

The subscription fee is a fee for access to the platform. Part of it is applied to the credit allowance for your plan and the remainder is retained as the platform subscription fee; neither part is a deposit, and neither is repayable. All amounts are in Singapore dollars and exclude any taxes that may apply in your jurisdiction. Fees, allowances, seats, storage, and usage rates may change, and any change takes effect from your next billing period.

3.6. Credits. Platform usage is measured in credits (1 credit = S$0.01 of platform usage), drawn from one shared allowance across voice calls, WhatsApp conversations, lead discovery, and related services. Each action consumes credits at the rate published in the platform for your plan, and that rate applies equally to credits included with your plan and to credits you purchase.

3.6.1. What credits are not. Credits are a prepaid measure of platform usage. They are not money, currency, stored value, a deposit, a security, or a payment instrument, and they confer no ownership or interest in Twenty Growth. Credits are:

• non-refundable, except as expressly set out in our Refund Policy;
• non-transferable — they cannot be moved, assigned, gifted, sold, or resold to another account, person, or organisation;
• non-exchangeable — they cannot be redeemed or exchanged for cash, and cannot be swapped for any other product, service, discount, or benefit; and
• of no value outside the platform — they cannot be used anywhere other than in your Twenty Growth workspace, and carry no cash value on cancellation, expiry, or account closure.

3.7. Rollover and top-ups. Unused included credits roll over for up to three (3) months of your plan allowance while your subscription remains active. Purchased top-up credits do not expire while your account remains active.

3.8. Add-ons. Additional team seats, storage, and other add-ons are billed at the rates shown in the platform at the time of purchase. Extra storage is a twelve (12) month entitlement and does not renew automatically.

3.9. Suspension and expiry. If your subscription is cancelled or expires, remaining credits are frozen and platform features are suspended. Your data remains exportable for ninety (90) days after cancellation, after which it may be deleted.

4. Client Responsibilities

You agree to:

• provide accurate, complete, and timely information, materials, and access reasonably required for us to deliver the Services;
• designate a point of contact authorised to make decisions on your behalf;
• review and respond to deliverables within a reasonable time; and
• comply with all applicable laws in connection with your use of the Services and any deliverables.

Delays or failures caused by your non-performance may extend our delivery timelines and may incur additional fees.

If you use the platform, you additionally agree to:

• keep your account credentials secure, and accept responsibility for activity carried out under your account and under the seats you issue;
• ensure everyone you give a seat to complies with these Terms and our Acceptable Use Policy;
• tell the people who contact you that an automated agent may answer them, and that calls may be recorded where you switch recording on;
• obtain the opt-in required by the WhatsApp Business Messaging Policy before your agent messages anyone; and
• review what your agent is configured to say, and keep the playbook and knowledge base you upload accurate and lawful.

5. Phone Numbers

5.1. Telephone numbers supplied with the platform are provisioned through our account with our telecommunications carrier and remain provisioned through it. A number registered to your own identity is available only once the verification in Section 5.2 is complete.

5.2. Singapore numbers are allocated through licensed operators, and the operator must record who is behind each number. To register a number in your name you must provide accurate identity and business information — your business registration profile, a government-issued ID of a director or authorised representative, and proof of your business address — and keep it current for as long as you hold the number.

5.3. We may pass that information to our carrier, and to a regulator where the law requires it. If the information you provide is inaccurate, out of date, or refused, we may suspend or withdraw the number. Our Privacy Policy describes what we collect for verification and what we retain.

5.4. You are responsible for the lawful use of outbound calling and messaging from any number we supply, including compliance with the PDPA's Do Not Call provisions for your own campaigns, as set out in our Acceptable Use Policy.

6. Intellectual Property

6.1. Our IP. All pre-existing intellectual property, methodologies, frameworks, tools, templates, code libraries, and know-how used or developed by Twenty Growth remain our exclusive property.

6.2. Deliverables. Subject to full payment of all applicable fees, we grant you a non-exclusive, worldwide, perpetual licence to use the final deliverables produced specifically for you under an Engagement Document for your internal and client-facing business purposes, including deployment in products or services you offer to your own customers, unless otherwise restricted in the applicable Engagement Document.

6.3. Your IP. You retain ownership of all materials, data, and content you provide to us. You grant us a limited licence to use such materials solely to deliver the Services.

6.4. Portfolio rights. We may reference your company name, logo, and a high-level description of our engagement in our marketing materials, case studies, and portfolio, unless you opt out in writing.

7. Acceptable Use

7.1. You agree not to use the Services or any deliverables to:

• violate any applicable law or regulation;
• infringe any third-party intellectual property, privacy, or other rights;
• transmit any unlawful, harmful, defamatory, or fraudulent content;
• develop, train, or improve any competing AI model or product without our prior written consent;
• circumvent, disable, or interfere with security features of any system or service; or
• engage in any activity that could damage, overload, or impair our infrastructure or reputation.

7.2. We reserve the right to suspend or terminate access to the Services immediately if we reasonably believe you are in breach of this Section.

8. Confidentiality

8.1. In the course of working together, each of us may see information belonging to the other that is not public. Both of us agree to keep that information private, to use it only to provide or receive the Services, and not to pass it to anyone else without permission. This continues for three (3) years after we stop working together.

8.2. Our confidential information includes how the platform is built and operated, the infrastructure behind it, our agent prompts and configuration, features we have not released, and any rates not published on our website. Having access to the Services does not give you the right to share or reuse any of that.

8.3. Neither of us breaches this Section by disclosing information that is already public through no fault of ours, that we already knew, or that we are required by law or a court to disclose.

9. Warranties and Disclaimers

9.1. We warrant that the Services will be performed with reasonable skill and care consistent with industry standards.

9.2. To the maximum extent permitted by law, the Services and any deliverables are provided "as is" and "as available." We disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

9.3. We do not warrant that the Services or any deliverables will be uninterrupted, error-free, or produce any specific business, financial, or commercial outcome.

10. Limitation of Liability

10.1. To the maximum extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or business opportunities, even if advised of the possibility of such damages.

10.2. Our total aggregate liability under or in connection with these Terms or any Engagement Document, whether in contract, tort (including negligence), or otherwise, will not exceed the fees paid by you to us for the specific Services giving rise to the claim in the twelve (12) months preceding the event giving rise to liability.

10.3. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under Singapore law, or under any other law that applies to you and cannot be contracted out of.

11. Indemnity

You agree to indemnify and hold Twenty Growth harmless from any third-party claims, losses, or damages arising from (a) your breach of these Terms; (b) your misuse of any deliverables; or (c) any materials, data, or instructions you provide that infringe third-party rights or violate applicable law.

12. Termination

12.1. Either party may terminate an engagement for material breach if the breach is not cured within fourteen (14) days of written notice.

12.2. You may terminate any ongoing engagement for convenience on thirty (30) days' written notice, subject to payment for all Services performed up to the termination date and any non-cancellable third-party costs. For retainer or subscription services, cancellation of future billing periods is governed by the Refund Policy, which requires at least fourteen (14) days' written notice before the next billing date; this does not reduce the thirty (30) day notice obligation for full engagement termination.

12.3. Sections that by their nature should survive termination (including IP, acceptable use, confidentiality, payment, limitation of liability, and dispute resolution) will survive.

13. Your Data and Your Customers' Data

13.1. Your data stays yours. You own the content you upload and the records your agent produces. We use it only to run the Services for you. Our Privacy Policy explains how we handle personal data and forms part of these Terms.

13.2. Who is responsible for what. When someone calls or messages your business, you decide why their information is collected and what is done with it, so in law that information is your responsibility, not ours. We handle it on your behalf and act on your instructions, which you give us through the way you set up your workspace and through these Terms.

13.3. What you must do before going live. You must have the right to collect and use that information, and you must give the people who contact you whatever notice or consent the law where they are located requires. That includes telling them an automated agent may answer, and that calls may be recorded if you switch recording on. You must not give us instructions that would put us in breach of the law.

13.4. What we do. We handle that information only as set out in our Privacy Policy, keep it secure, help you respond to requests from your own customers, and tell you promptly if we become aware of a security incident affecting your workspace.

13.5. Deleting it. You can delete data from your workspace at any time. After cancellation your workspace stays readable for ninety (90) days so you can export what you need, after which we delete it, unless the law requires us to keep it. See our Data Deletion page.

13.6. A formal data processing agreement. If your own compliance obligations require one, email us and we will put a data processing agreement in place with you.

13.7. Aggregated data. We may produce statistics about how the Services are used, provided they never identify you or any individual, and we may use those statistics to operate and improve the Services.

13.8. Other platforms. Where you connect WhatsApp, a calendar, or any other outside service, that provider's own terms apply to you as well, including the Meta Platform Terms and the WhatsApp Business Messaging Policy. We are not responsible for a decision by any of them to restrict, suspend, or close your account with them.

14. Cookie Policy

Your use of our website is subject to our Cookie Policy, which is incorporated into these Terms by reference.

15. Force Majeure

Neither party is liable for any failure or delay caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, pandemic, or failure of public infrastructure.

16. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted at twentygrowth.co/terms with a revised "Last updated" date. Continued use of the Services after the changes take effect constitutes acceptance.

17. Governing Law and Dispute Resolution

17.1. These Terms are governed by the laws of Singapore, without regard to conflict-of-law rules. Section 10.3 preserves any protection that mandatory law where you are located gives you and that cannot be contracted out of.

17.2. The parties will attempt to resolve any dispute amicably through good-faith discussions. Failing resolution within thirty (30) days, the dispute will be referred to mediation administered by the Singapore International Mediation Centre (SIMC) under its mediation rules.

17.3. If mediation fails, the dispute will be finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) under the SIAC Rules in force at the time, seated in Singapore, in English, before a single arbitrator.

18. Miscellaneous

• These Terms, together with any Engagement Document, constitute the entire agreement between the parties on the subject matter and supersede all prior agreements.
• If any provision is held unenforceable, the remaining provisions remain in full force.
• No waiver is effective unless in writing.
• You may not assign these Terms without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.

19. Contact

Twenty Growth Pte. Ltd. (UEN: 202621126H)
Email: contact@twentygrowth.co
Website: twentygrowth.co