1. Credit

1.1 Certain features of the services may require payment of fees. To access certain features of the Orvia App, you may top up your account balance via the payment methods specified in the Orvia App. Once you complete a top-up, you will receive Credits in your Orvia account. These Credits may be used to access services within the Orvia App, and the corresponding amount will be deducted from your Orvia account balance when you use paid features.

1.2 You acknowledge and agree that Credits have no monetary value and do not constitute actual currency or property of any type. The Credits may not be sold, transferred, traded or exchanged for cash, goods, services outside the Orvia App, or any other items of monetary value, whether from us or any third party.

1.3 Due to Orvia’s multi-language account system, each language version of the Orvia App is treated as a separate account. Credits and top-up balances under one language version may not be shared with, transferred to, combined with, or used under another language version or account environment. Switching the language version is deemed to be switching to a different account, and any existing balance in another language-version account will not be carried over or used. You are responsible for verifying the language version and account environment before making any top-up. All top-up transactions, once successfully processed, are non-cancellable, non-refundable, and may not be transferred or used across different accounts or language versions.

1.4 After a top-up is successfully processed, the Credits will be delivered to your Orvia account. The transaction records displayed within Orvia or provided by the relevant payment channel may be used as evidence of such transaction.

1.5 You may not buy, sell, transfer, trade, or exchange any Credits or your account with any third party except through methods expressly authorized by us. Any unauthorized transaction, transfer, or use of Credits or accounts is strictly prohibited and may result in the suspension, restriction, or termination of your account and related services.

1.6 We recommend that you buy a reasonable amount of Credits based on your needs.

1.7 If you have any questions in relation to these terms, please contact us at denova@71live.com.

2. Refund

2.1 Once Credits are successfully delivered to your Orvia account, the top-up is generally final and cannot be cancelled, withdrawn, or refunded, except as otherwise required by applicable law or otherwise determined by us.

2.2 We may review and process requests for refunds or credit adjustments arising from technical errors, duplicate charges, non-delivery of Credits, unauthorized transactions, payment disputes, refund requests required under applicable payment channel rules, or other similar issues.

2.3 If your request relates to a service quality issue involving an advisor, we may review the relevant records and, where we consider appropriate, return Credits, provide other remedies or take other measures in accordance with our platform rules.

2.4 If a refund is approved, we may deduct the corresponding Credits from your account. If your remaining Credits are insufficient to cover the refunded amount, we may deduct the corresponding Credits from future Credits added to your account, or take other measures permitted by applicable law and applicable platform rules.

3. Difference between your credit in Orvia value store and actual value

If the Credits in your Orvia account are less than the amount actually purchased or credited due to system errors or other technical issues, you should immediately contact our customer service at denova@71live.com. After verifying the issue, we will add the missing Credits to your account as soon as possible.

If the Credits in your Orvia account exceed the amount actually purchased or credited due to system errors or other technical issues, we reserve the right to deduct the excess Credits from your account.

4. Disclaimer

4.1 Under our User Terms and Conditions, you represent and warrant that you are at least 18 years old or the age of majority in your jurisdiction, whichever is higher, and that you have full legal capacity to enter into this Agreement and top up your account. If you do not meet these eligibility requirements and provide false or misleading information about your age or eligibility, you shall be solely responsible for any resulting consequences to the extent permitted by applicable law.

4.2 Orvia does not directly collect or store your full payment card number or complete payment authentication credentials. We may receive payment results, transaction status, or other limited transaction-related information from third-party payment providers.

4.3 You represent and warrant that the information you submit through the platform is accurate, lawful, and valid. You further represent that you are the lawful holder of the payment account used for the transaction, and your use of such payment account does not violate any third-party rights. If any dispute, loss, or damage is suffered by the lawful account holder or any third party, you shall be solely responsible for resolving such matter and bearing all resulting liabilities, losses, and expenses.

4.4 You shall properly safeguard your payment account and related credentials, including your payment password, one-time password, mobile phone number, verification code, and other authentication information. If such information or related devices are lost, disclosed, or compromised, you should promptly notify the relevant bank, payment provider, and the platform to mitigate potential losses. You shall be solely responsible for any losses arising from your failure to properly manage or protect your payment account or related credentials.

4.5 You shall carefully verify your account information and the top-up amount before completing any transaction. You shall be solely responsible for any losses or consequences arising from incorrect information, incorrect payment amounts, incorrect passwords, or other operational errors caused by your own actions.

4.6 Any losses, liabilities, or inability of the platform to provide services arising from your own actions or circumstances shall be borne by you, and Orvia App shall not be liable. Such circumstances include, but are not limited to, the following:
(i) the invalidation, loss, suspension, restriction, or termination of your account;
(ii) losses or liabilities arising from the payment method, app store account, payment account, or payment channel used by you, including where such account or payment method is unauthenticated, restricted, suspended, frozen, rejected, unavailable, or not lawfully owned or authorized for use by you;
(iii) losses caused by your disclosure of passwords, verification codes, or other authentication information to any third party;
(iv) losses or damages caused by your intentional misconduct, negligence, or gross negligence.

5. Change

Orvia reserves the right to revise or update this Agreement from time to time in accordance with business and operational needs. You agree to review this Agreement periodically. Your continued access to or use of the Credits or services within the Orvia App after any changes become effective constitutes your acceptance of the revised Agreement.

6. Maintenance

6.1 If the network services need to be suspended due to system maintenance, upgrade, or other operational requirements, the platform will use reasonable efforts to provide prior notice where practicable. You should pay attention to such notice and take appropriate measures to avoid potential losses.

6.2 To ensure the proper operation of the platform, website, and servers, the platform may conduct scheduled or unscheduled maintenance on servers, facilities, and related equipment, including emergency maintenance where necessary. You understand and agree that such maintenance may result in temporary interruption of services.The platform will use reasonable efforts to minimize service interruptions and limit the duration of any interruption to the shortest time reasonably possible.

7. Suspension and termination

7.1 We reserve the right to suspend, restrict, or terminate your access to the services if:
(i) you fail to comply with any agreements, policies, rules, or other documents published on Orvia App, including this Agreement, the User Terms and Conditions, Privacy Policy;
(ii) we suspect fraudulent, abusive, or unauthorized use of the Credits or services;
(iii) we suspect any unlawful activity associated with your account;
(iv) such action is necessary to protect the services, our users, advisors, our reputation, or our legitimate interests.

7.2 Any unused Credits may be forfeited if your account is suspended or terminated in accordance with this Agreement and applicable law. To the extent permitted by applicable law, you will not be entitled to any refund, monetary compensation, or other compensation for unused Credits upon the voluntary or involuntary closure of your account.

8. Applicable Law and Dispute Resolution

8.1 This Top-up Agreement shall be governed by and construed in accordance with the laws of Singapore.

8.2 Any dispute arising out of or in connection with this Agreement, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the Singapore International Arbitration Centre (“SIAC Rules”) for the time being in force, which rules are deemed to be incorporated by reference in this clause.
The seat of the arbitration shall be Singapore.
The tribunal shall consist of one arbitrator.
The language of the arbitration shall be English.

9. Waiver

This Agreement includes a waiver of class actions and a mandatory arbitration provision. Any dispute, action, claim, or cause of action arising out of or in connection with this Agreement shall be resolved by arbitration on an individual basis and may not be brought or pursued as a class, collective, or representative action.

10. Contact Us

Orvia App is operated and owned by DENOVA PTE. LTD., having its registered address at 60 Paya Lebar Road, #11-53, Paya Lebar Square, Singapore 409051.

If you have any questions regarding this policy, please contact us at denova@71live.com.