Terms and Conditions

These Terms of Use (the “Terms”) tell you the terms on which you may make use of:

and the contents and services available throughthem, as updated or added to from time to time.

In these Terms, we refer to our Site and the App collectively as the “Service”. The Service is owned and operated by LivWell Holding Company Pte. Ltd. (trading as LivWell), a company incorporated in Singapore (registration number 201939936M) whose registered office is at 10 Anson Road #27-15, International Plaza, Singapore, 079903 (“LivWell”,“we”, “our”, and “us”).

Please read these Terms carefully before you start to use the Service, as they set out the legal agreement between LivWell and you for your use of the Service. By downloading, installing, using oraccessing the Service, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use the Service YOUR PRIVACY

We only use any personal data we collect through your use of the Service in the ways set out in our privacy policy (INSERT LINK), unless you are using a specific service to which a different privacy policy applies, as set out below in Section 3.

Please be aware that internet transmissions are never completely private or secure and that any message or information you send using the Service may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.


In addition, the services set out below willbe governed by the following terms of use and privacy policies:


Web addressof terms of use

Web addressof privacy policy

Apple App Store

https://www.apple.com/legal/privacy/en-ww/In-App Purchases


Google Play Store


https://policies.google.com/privacy?hl=enGoogle Payments


LivWell grants you the right to do the following provided you follow all of the rules in these Terms:

·       download, install and use the App, and any updates to it provided by LivWell from time to time, for your personal use only on a compatible mobile device owned or controlled by you;

·       access and use free rewards and insurance programs set out to specific user cohorts; and

·       access and browse the Site for your personal use only,

(the “Licences”).

The Licences are for your personal and domestic use only. You must not use the Service for commercial, business or resale purposes.

All rights, title, and interest in and to LivWell App not expressly granted in these Terms of Use are reserved by the Company. If you wish to use the Company’s software, title, trade name, trademark, service mark, logo, domain name and/or any other identification with notable brand features or other content owned by the Company, you must obtain written permission from the Company. Permission requests may be sent to Admin@LivWell.asia.

To avoid any doubt, LivWell owns all the text, images, photos, audio, video, location data, and all other forms of data or communication that LivWell creates and makes available in connection with the LivWell App, including but not limited to visual interfaces, interactive features, graphics, design, compilation of Content, and the compilation of aggregate user review ratings and all other elements and components of the LivWell App, excluding Content (as defined above). Except as expressly and unambiguously provided herein, we do not grant you any express or implied rights, and all rights in and to LivWell App and LivWell’s Content are retained by us.


You should be aware that the LivWell App and LivWell Website(s) are not intended for use by children under the age of 15. If you are below the age of 18, you must have obtained the consent of your legal guardian to your use of the App or Websites(s). By using the App, you confirm that your parent or guardian has so reviewed and accepted this Agreement. If we discover that any unauthorized use is taking place, we reserve the right to terminate immediately any relevant user account(s) facilitating such use in our discretion.

If you are aware of anyone that does not comply with these limitations, please contact us at Admin@Livwell.asiaand we will take steps to delete or terminate his/her account.


LivWell may end the Licenses at any time and for any reason (or no reason) by giving you at least fourteen (14) days’ notice that the Licenses have ended.

We may also end the Licenses immediately if you break any provision of these Terms by ending your LivWell Account without notice to you.

Where any of the Licenses are terminated, you must immediately cease using and accessing the Service and delete any copies of the App held by you.


In order to use the App and earn LivWellCoins, you must create a LivWell Account. You are responsible for all uses of your LivWell Account whether by you or a third party. You should ensure that you use your personal mobile number and email for verification of your account and a strong password (if applicable) for your LivWell Account and that the details of your password are kept confidential and secure at all times.

You must not select as your username a name that you do not have the right to use, or another person’s name with the intent to impersonate that person. You must not transfer your LivWell Account to anyone else without our prior written permission.

Access to your LivWell Account can become restricted or even impossible if you lose control over the mobile number or email to which your LivWell Account is registered.

Your LivWell Account logs details of all LivWell Coins generated by you and any transfers of LivWell Coins to or from your LivWell Account. Please review your LivWell Account regularly. If you identify any erroneous transaction or unexpected activity on your LivWell Account, or you believe that the security of your LivWell Account has been compromised, you must let us know as soon as possible.

Different membership levels may apply toLivWell Accounts of different users and, depending on the membership level youhold, your entitlement to access functionality of the App or generate LivWellCoins may vary.

When using the App on your mobile device, LivWell will operate in the background of your mobile device, which in turn may have an impact to the battery life of such device.

The App stops generating LivWell Coins on your mobile device if you do not open the App for a specific period of time. Generation of LivWell Coins restarts once you next open the App. For details on the time frame please refer to our FAQ section (INSERT URL).

The App allows you to send your LivWell Coins to other users of the App. Please ensure that you have verified the identity of the recipient of the relevant LivWell Coins before sending them.


“LivWell Coins” are units of exchange that users of the App may generate through verified physical movement (e.g. steps)only. LivWell Coins may be used to get certain benefits that are offered via the App. LivWell Coins cannot be redeemed for cash from LivWell Holdings Ltd. or any of its affiliates, unless we expressly agree otherwise with you inwriting.

We reserve the right to destroy LivWell Coins that we have reason to believe have not been created by verified physical movement and to suspend or disable any LivWell Account used in such a way.

We reserve the right to destroy or redistribute LivWell Coins that we have reason to believe have been obtained through fraud, for instance by defrauding another LivWell user, and to suspend or disable any LivWell Account used in such a way.

We reserve the right and retain the absolute discretion to determine and alter, from time to time, the eligible forms of movement, movement verification algorithms and amounts of verified movement that must be undertaken by users in order to generate LivWell Coins using the App (for example, we may alter the number of verified steps required to generate a LivWell Coin).

Details of current eligibility criteria and the volumes of verified movement required to generate LivWell Coins are provided within our FAQ (ADD URL). Movement verification conducted by the App is considered final and cannot be revised or reversed.

We may cap the maximum amount of LivWell Coins that users of the App may generate each day using the App. The applicable cap may vary depending upon the membership tier of the relevant user or other criteria that we chose to apply and we may increase or decrease such caps from time to time.

We reserve the right to impose charges in relation to the use of LivWell App from time to time, which may be applicable to all or specific categories of users or to the use of specific functionality or services accessed via the LivWell App. The currency and amount of any such charges may be determined by us in our absolute discretion.


Through the App, we also offer a “LivWellMarketplace”, which is used to acquire both discounts and rewards as well as purchase access to physical or digital products.

This system is opered with codes (“SaleCodes”) that can be used to obtain benefits from third-parties (this may include, but is not limited to discounts that can be used with retailers, websites or other services)(“Third-Party Benefits”). You may purchase these Sale ****Codes with LivWell Coins on our LivWellMarketplace. Although the Sale ****Codes may allow you to obtain Third-Party Benefits, you are contracting directly with us when you spend your LivWell Coins on the LivWell Marketplace to purchase Sale Codes.

You agree that LivWell Holdings Ltd. has no responsibility for any Third-Party Benefits. You are contracting directly with the relevant third party when you redeem or use your Sale Codes to acquire Third-Party Benefits and any redemption or use happens on third party website or apps that are not controlled by us. You agree that we have no control over and do not guarantee the quality, safety or legality of any Third-Party Benefits, the truth or accuracy of their offers, or the ability of third-parties to provide any goods, services or other benefits offered. Save as otherwise expressly agreed with you, we and our affiliates do not act as agent, contractor, partner or any form of representative of the third-parties who’s Third-Party Benefits are promoted via the LivWell Marketplace. Our operation of the LivWell Marketplace should not be taken as an endorsement (express or implied) of any goods, services or other benefits offered on it, nor of any third-party.

Any redemption or use of the Sale Codes are subject to any terms that are stated as part of the Sales Codes.

LivWell Holdings Ltd. is entitled to alter the selection of Sale Codes on offer, and the number of LivWell Coins required to redeem any such Sale Codes offered on the LivWell Marketplace, as well as to limit the number of possible redemptions of any Sale Codes by any user or group of users in its absolute discretion.


From time to time, LivWell may offer you the chance to enter into prize draws sponsored by one of our third-party partners.The name of the third-party partner will be identified when you enter the prize draw and any specific terms relating to the prize draw. Each prize draw will be subject to our general prize draw terms.


As part of our service, we may provide you with free insurance (”Insurance Grants”). Insurance Grants shall be applicable to all LivWell users, the terms under which these apply and the qualification of each LivWell user shall be at the sole discretion of LivWellHoldings Ltd.

The use of our App precludes the acceptance of our occasional Insurance Grants. For details on how the conditions of acceptance, please view the Insurance Grants Conditions page (ADD URL).


Users are able to register for and purchase insurance and other financial products through our app. These products shall be applicable specific terms & conditions, which shall be stated at the moment of purchase. Finalizing a purchase or registration shall make you bound to those terms and conditions.


All intellectual property rights in the Service (including in the App and the Site) throughout the world belong to us(or our licensors) and the rights in the Services are licensed (not sold) to you. You have no intellectual property rights in, or to, the Service other than the right to use them in accordance with these Terms.

“LivWell” is the trading name of LivWellHoldings Ltd. and we hold registered and unregistered trade mark rights in respect of this name.


You are solely responsible for any data, text, images, graphics and other content that you submit, post or display on or via the Service ("Your Content").

We do not claim ownership of any UserContent. However, you grant to us a non-exclusive, worldwide, royalty-free, transferable, sub-licensable, perpetual license to use, aggregate, reproduce, publish, distribute, perform, adapt, amend, enhance and communicate and otherwise fully exploit Your Content for any purpose relating to the Service and our business, at any time.

This may include, but not be restricted to,personal information such as your height, weight, gender, heart rate, steps, or calories. By providing the Content, (a) you grant to us a non-exclusive, worldwide, royalty-free, transferable, sub-licensable license to use,reproduce, publish, distribute, perform, adapt, amend, enhance and communicate such Content from time to time for any purpose relating to the LivWell App,LivWell Website(s) and our business from time to time, and (b) you agree to indemnify the Company and its affiliates, directors, officers, and employees and hold them harmless from any and all claims and expenses, including attorneys’ fees, arising from the media and/or your failure to comply with the terms described in this Agreement.

You further agree that we are not responsible for, and do not endorse, Your Content or any data, text, images, graphics and other content that may be submitted, posted or displayed on or via the Service by another user (“Other User Content”) and that we do not have any obligation to monitor, edit, or remove Your Content or any Other User Content. However, we reserve the right, without obligation, to monitor, moderate, edit or remove any such content.

In general, we will only review Your Content if it is relevant to an issue that we are investigating either as a result of a query from you or another user, as a result of an appeal to an account suspension, or as a result of a technical problem with the Service. You agree that we may access and use Your Content for this purpose.

You will make sure that Your Content is accurate, complete, up-to-date, and in compliance with all applicable laws, rules and regulations.

You agree that Your Content must not:

(i) infringe any third party's copyrights or other rights (e.g., trade mark, privacy rights, etc.);

(ii) contain sexually explicit content or pornography;

(iii) contain hateful, defamatory, or discriminatory content or incite hatred against any individual or group;

(iv) exploit minors;

(v) depict unlawful acts or extreme violence;

(vi) depict animal cruelty or extreme violence towards animals;

(vii) promote fraudulent schemes, multi-level marketing (MLM) schemes, get rich quick schemes, online gaming and gambling, cash gifting, work from home businesses, or any other dubious money-making ventures; or

(viii) break any law, rule or regulation.


You agree that you shall not:

·       seek to generate LivWell Coins by any means other than your genuine physical movement meeting the eligibility criteria specified by LivWell from time to time and, in particular, you shall not (i) simulate any movement using artificial and/or mechanical means, (ii) enlist third parties to generate LivWell Coins on your behalf (however, you may receive transfers of LivWell Coins validly generated by other users using the functionality available within the App);

·       copy, adapt, transmit, reverse engineer, decompile, disassemble, modify, sell the App or Site or any content accessible on either, save as otherwise expressly permitted by these Terms or applicable law;

·       operate more than one LivWell Account; **

·       use the Service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the Service;

·       reproduce, frame, display or mirror the Service other than as a necessary consequence of their normal operation by you;

·       infringe our intellectual property rights or those of any third party in relation to your use of the Service;

·       transmit any material that is defamatory, explicit, offensive or otherwise objectionable on the Service;

·       use the Service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users;

·       use the Service in any way that breaches any law or regulation, including any applicable export control laws, privacy laws or anyother purpose not reasonably intended by LivWell;

·       employ any technology that interferes in any way with the proper operation of the Service, including by blocking any advertising or promotions displayed thereon; or

·       collect or harvest any information or data from the Services for any commercial purpose, save as otherwise agreed in writing by us.

If we discover any breach of this Section 14by you, we may immediately suspend or terminate your access to the App andremove and delete any offending content from the Service.


LivWell reserves the right at any time in itsabsolute discretion to alter the functionality or contents of the Service withor without notice to you.

We may issue updates to the App from time totime. Depending upon the nature of the update, you may not be able to continueto use the App until you have downloaded the latest version of the App.


The Service is provided “as is” and “asavailable” with all faults. We do not guarantee that the Service, or anypart of it, will always be available or be uninterrupted. We may suspend,withdraw, discontinue or change all or any part of the Service without notice.You agree that your use of the Service is at your own risk. We will not beliable to you if the Service (or any part of it) is unavailable at any time orfor any period.


LivWell may include in its Services links toother sites or applications that are owned or operated by third parties (“ThirdParty Services”). You also agree that LivWell has no control over thecontent of Third Party Services and does not have any responsibility for anymaterial available on such Third Party Services nor for any use of or relianceon the contents of such Third Party Services by you. The fact that we maylink to a Third Party Service does not mean that we endorse it or the productsor services on it. In particular, where the Third Party Service relates toyour health, you should always take appropriate medical advice before using it.


The Service is provided for generalinformation and entertainment purposes only. It does not offer advice on whichyou should rely. You must obtain professional or specialist advice beforetaking, or refraining from, any action on the basis of information obtainedfrom the App. Although we make reasonable efforts to update the informationprovided by the App, we make no representations, warranties or guarantees,whether express or implied, that such information is accurate, complete or upto date.

The Service does not contain or constitute,and should not be interpreted as, any form of medical advice or opinion,diagnosis or treatment, and should never be used as a substitute for medical oremergency care. Your use of the Service does not create a doctor-patientrelationship between you and LivWell.

If you have a medical or mental healthemergency, or are taking actions that may cause harm to you or to others, youshould seek emergency treatment at the nearest emergency room or call anemergency help line.

We are not licensed medical professionals, andwe are not in the business of providing medical advice or in the practice ofmedicine. You should always consult a qualified medical professional prior tobeginning or modifying any diet or exercise program, and only your medicalprofessional can determine the right course of treatment for you and determinewhat is safe, appropriate and effective based on your needs.


We may change these Terms from time totime. Any changes we may make to these Terms in the future will be postedon the Site and App and, where appropriate, notified to you by email. Pleasereview this page frequently to see any updates or changes to these Terms.

From time to time we may make availableadditional terms or guidance in relation to the usage of the Service and, wherewe do this, you agree to comply with such additional terms or guidance that wemake available by continuing to use the Service.


The Service has not been developed to meetyour individual requirements, and therefore it is your responsibility to ensurethat the facilities and functions of the Service meet your requirements.

We are only responsible for loss or damage yousuffer that is a foreseeable result of our breach of these Terms or ournegligence up to the maximum aggregate limit specified in the followingparagraph.

Our maximum aggregate liability to you inrespect of the Service (whether in contract, tort (including negligence),breach of statutory duty or otherwise) shall in no circumstances exceed the sumof five dollars (USD 5).

We do not exclude or limit in any way ourliability to you where it would be unlawful to do so. This includes liabilityfor death or personal injury caused by our negligence or for fraud orfraudulent misrepresentation.

To the maximum extent permitted by applicablelaw, we shall not be liable to you for any unauthorized use of your LivWellAccount resulting from your failure to maintain restricted access to yourmobile device or your mobile SIM card, the confidentiality or security of youruser details or failure to use a strong password.

Reliance on any information provided byLivWell or in connection with the LivWell Service is solely at your own risk.You are solely responsible for any decisions or actions you take based on theinformation and materials available through the Service.

We are not responsible for events outside ourcontrol. If our provision of the Service or support for the Service is delayedby an event outside our control then we will contact you as soon as possible tolet you know and we will take steps to minimize the effect of the delay.Provided we do this we will not be liable for delays caused by the event but ifthere is a risk of substantial delay you may contact us to end your contractwith us and receive a refund for any Service you have paid for but not received.


You acknowledge and agree that theavailability of our App is dependent on the third party stores from which you downloadthe application, including Apple Inc.’s (“Apple”) App Store (the “AppleApp Store”) and Google LLC’s (“Google”) App Store (“Google Play”).

As a user of the Apple App Store, we arerequired to include certain legal terms in our Terms of Use, and these are setout in Attachment 1 to these Terms. You agree to comply with, and your licenseto use our application is conditioned upon your compliance with, such Apple AppStore terms and conditions. To the extent such other terms and conditions fromsuch Apple App Store are less restrictive than, or otherwise conflict with, theterms and conditions of these Terms of Use of Use, the more restrictive orconflicting terms and conditions in these Terms of Use apply.

Through our App, you may purchase (“In-AppPurchase”) certain goods or features designed to enhance the performance ofthe Service. When you make an In-App Purchase, you are doing so through theApple iTunes service and you are agreeing to their respective Terms andConditions, available at http://www.apple.com/legal/internet-services/itunes/us/terms.html.


We may transfer our rights and obligationsunder these Terms to a third party. We will always tell you in writing if thishappens and we will ensure that the transfer will not affect your rights underthe contract.

You are not entitled to transfer your rightsor your obligations under these Terms without our prior written consent.

If we fail to insist that you perform any ofyour obligations under these Terms of Use, or if we do not enforce our rightsagainst you, or if we delay in doing so, that will not mean that we have waivedour rights against you and will not mean that you do not have to comply withthose obligations. If we do waive a default by you, we will only do so inwriting, and that will not mean that we will automatically waive any laterdefault by you.

Each of the provisions of these Terms operatesseparately. If any court or competent authority decides that any of them areunlawful or unenforceable, the remaining conditions will remain in full forceand effect.

These Terms and our agreement are governed bySingapore law. You can bring legal proceedings in respect of the Service in theSingaporean courts.

Attachment 1

App Store Terms

  1. The Terms of Use are     concluded between you and LivWell Asia, and not with Apple. The LivWell     App and its contents are the responsibility of us, our licensors and users     of the LivWell App (to the extent that such users create, submit or     distribute any content via the LivWell App) and not Apple.
  2. The licence to use the     LivWell App granted under these Terms of Use is a non-transferable license     for you to use the LivWell App on an Apple-branded product that you own or     control in accordance with the usage rules set forth in the Apple App     Store Terms of Service, except that the LivWell App may be accessed,     acquired, and used by other accounts associated with you via any family     sharing or volume purchasing arrangements with Apple.
  3. You and we acknowledge that     Apple has no obligation whatsoever to furnish any maintenance and support     services with respect to the LivWell App. We do not offer maintenance or     support services in connection with the LivWell App.
  4. Apple will have no warranty     obligation whatsoever with respect to the LivWell App, and any claims,     losses, liabilities, damages, costs or expenses attributable to any     failure of the LivWell App to conform to any applicable warranty set out     in these Terms of Use will be solely our responsibility.
  5. We, not Apple, are     responsible for addressing any claims by you or any third party relating     to the LivWell App or your possession and/or use of the LivWell App,     including, but not limited to: (i) product liability claims; (ii) any     claim that the LivWell App fails to conform to any applicable legal or     regulatory requirement; and (iii) claims arising under consumer protection     or similar legislation.
  6. In the event of any third     party claim that the LivWell App or your possession or use of the LivWell     App infringes that third party’s intellectual property rights, LivWell and     not Apple will be responsible for the investigation, defense, settlement     and discharge of any such intellectual property infringement claim.
  7. You represent and warrant     that (i) you are not located in a country that is subject to a U.S.     Government embargo, or that has been designated by the U.S. Government as     a “terrorist supporting” country; and (ii) you are not listed on any U.S.     Government list of prohibited or restricted parties.
  8. You must comply with any     third party terms that are applicable to the use of the LivWell App from     time to time.
  9. Apple and Apple’s     subsidiaries are third party beneficiaries of the Terms of Use, and upon     your acceptance of these Terms of Use, Apple will have the right (and will     be deemed to have accepted the right) to enforce these Terms of Use     against you as a third party beneficiary thereof.10. LivWell offers     optional in-app purchases in the form of auto-renewing subscriptions. The     subscription automatically renews unless it is cancelled at least 24 hours     before the end of the current period. Your account will be charged for     renewal within 24 hours prior to the end of the current period. You can     manage and cancel your subscriptions by going to your App Store account     settings after purchase.

Insurance Grant Terms

LivWell Holding Pte. Ltd. and its subsidiaries(“we”) are in the business of providing insurance products and services throughits app. This insurance grant condition policy (together with our terms ofuse https://www.livwell.asia/terms-of-use.html andany other documents referred to on it) sets out the basis on which we use thepersonal data collected from you or that you provide to us, to provide you withaccess to insurance products. Please read the following carefully to understandthe implications of using our app. By visiting http://livwell.asia/ ORlogging in and using LivWell App, you are accepting and consenting to thepractices described in this policy.

If you do not agree to these Terms, you mustnot use the Service.

1.     Acceptance ofFree Insurance Policies

1.1. As a user of the App, you acknowledge andconsent to receiving free insurance policies due to milestones achieved. Thesepolicies are issued at the sole discretion of Livwell Asia and its affiliatecompanies and are subject to the terms and conditions outlined herein.

1.2. The issuance of free insurance policiesas milestone rewards depends on your active participation and achievement ofspecified milestones within the App. Milestones may include but are not limitedto completing certain tasks, reaching specific goals, or demonstratingconsistent engagement with the App.

1.3. You understand and agree that acceptanceof these free insurance policies does not require any additional payment orpremium from you. The policies are provided as a complimentary benefit and holdno monetary value.

2.     Eligibilityand Coverage

2.1. The eligibility criteria, coveragedetails, and conditions of the free insurance policies will be communicated toyou within the App or through other channels of communication determined byLivwell Asia. These details are subject to change at Livwell Asia's discretion.

2.2. Livwell Asia reserves the right todetermine the duration of coverage and any limitations or exclusions associatedwith the free insurance policies. Such details will be made available to youprior to or at the time of receiving the policy.

2.3. You understand that the free insurancepolicies provided as milestone rewards are separate from any other insurancepolicies you may have purchased or subscribed to through Livwell Asia, itsaffiliated companies, or its partners.

3.     Consent andData Usage

3.1. By accepting these Terms, you acknowledgethat you have provided your consent for Livwell Asia to use your personalinformation and data collected through the App or partners, such as but notrestricted to name, phone number, national ID, and biometric data, toadminister and facilitate the issuance of free insurance policies as milestonerewards.

3.2 By accepting these Terms, you have read& understood the insurance policy with terms as per the attachment sharedto your email whenever the policies are issued.

3.2. Livwell Asia will handle your personalinformation and data in accordance with applicable laws and regulationsgoverning data protection and privacy. For further details, please refer to ourPrivacy Policy.

4.     Terminationand Modification

4.1. Livwell Asia reserves the right tomodify, suspend, or terminate the free insurance policy milestone rewardsfeature, in whole or in part, at any time without prior notice or liability.

4.2. In the event of termination ormodification, any outstanding or unredeemed milestone rewards will beforfeited, unless otherwise stated by Livwell Asia.

5.     Miscellaneous

5.1. These Terms constitute the entireagreement between you and Livwell Asia regarding the free insurance policymilestone rewards feature and supersede any prior agreements or understandings.

5.2. These Terms shall be governed by andconstrued in accordance with the laws of Vietnam. Any disputes arising out ofor relating to these Terms shall be resolved in the courts of Vietnam.

These Terms of Use were last updated on 28February 2023.

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