Terms of Service

These Terms of Service (“Terms”) govern your use of the Paprikaa Labs website, tools, and services (“Services”). By accessing our website or engaging our Services, you agree to these Terms.

Paprikaa Labs (“we”, “our”, “us”) operates as a Hong Kong–based boutique systems and operational consultancy. We provide services related to Hong Kong market entry, banking readiness, operational tooling, and funding preparation.

If you do not agree with these Terms, you should not use our website or Services.

1. Nature of Our Services

Paprikaa Labs provides:

• Hong Kong market‑entry guidance
• Banking and capital readiness support
• Operational tooling (including WhatsApp‑based systems)
• Funding readiness and operational documentation support

Industrial Note: We are not a law firm, accounting firm, corporate secretarial firm, or financial institution. We do not provide legal, tax, or financial advice. Where required, we work with licensed partners to deliver statutory components.

2. No Guarantees of Approval or Outcome

We do not guarantee bank account approval, funding approval, government programme acceptance, or specific commercial outcomes. Our role is to provide operational clarity and systems that increase readiness; all approvals remain at the discretion of the relevant institutions.

3. Client Responsibilities

To engage our Services, you agree to:

• Provide accurate and complete information in a timely manner.
• Ensure your business activities comply with Hong Kong law.
• Maintain your own statutory obligations.
• Use our tools and systems responsibly.

4. Use of WhatsApp‑Based Operational Tools

If you use our WhatsApp‑based tools:

• You are responsible for your own account and device security.
• We do not access or store personal chat history; only structured operational logs are processed.
• You must ensure your staff consent to operational logging where required.

5. Fees, Payments, and Refunds

5.1 Payment Terms

Work begins only after agreed deposits or retainers are received. Late payments may delay delivery.

5.2 Refunds

Because our Services involve time and expertise, fees are generally non‑refundable once work has begun. Refunds are only considered if no work has started and no third-party costs are incurred.

6. Third‑Party Services and Partners

Our Services may involve third‑party providers (Banks, API providers, etc.). We are not responsible for their decisions, timelines, or service availability. Your relationship with them is governed by their own terms.

7. Confidentiality

We treat all client information as confidential and will not disclose it except to deliver the Services you request or to comply with legal obligations.

8. Intellectual Property

All content, tools, and workflows created by Paprikaa Labs remain our intellectual property. You receive a license for internal business use only. You may not resell, redistribute, or reverse-engineer our tools.

9. Limitation of Liability

To the fullest extent permitted by law, our total liability is limited to the fees paid for the specific service in question. We are not liable for losses arising from third‑party decisions.

10. Termination

Either party may terminate the engagement with written notice. Upon termination, outstanding fees remain payable.

11. Governing Law

These Terms are governed by the laws of the Hong Kong Special Administrative Region (HKSAR). Any disputes will be resolved in the courts of Hong Kong.

12. Changes to These Terms

We may update these Terms to reflect operational or regulatory changes. The “Last Updated” date will always indicate the latest version.

13. Language of Interpretation

In the event of any discrepancy or inconsistency between the English version and any translated version (including Chinese) of these Terms, the English version shall prevail and be the final authority for the interpretation of our policies and obligations.

14. Contact Us

For questions about these Terms:

Paprikaa Labs Hong Kong SAR
Email: [email protected]