TERMS AND CONDITIONS

Last Updated: [2025-08-03]

1. Introduction and Acceptance of Terms

By accessing or using this website ([www.swirlova.hk]), you agree to be bound by these Terms and Conditions. These terms govern your use of our services, including browsing, purchasing products, and interacting with our platform. If you disagree with any part of these terms, you may not access our services.

2. Definitions

• "We," "us," "our" refers to [Your Business Name], operating this e-commerce platform.

• "User," "you," "customer" refers to any individual or entity accessing or using our services.

• "Products" refers to goods or services listed for sale on our platform.

3. User Responsibilities

• You must provide accurate and complete information when creating an account or making a purchase.

• You agree not to use our platform for unlawful purposes, including fraud, infringement of intellectual property, or distributing malicious content.

• You are responsible for maintaining the confidentiality of your account credentials.

4. Intellectual Property Rights

All content on this site (e.g., text, logos, images, designs) is owned by [Your Business Name] or licensed to us and protected by copyright and trademark laws. Unauthorized use, reproduction, or distribution of our content is strictly prohibited.

5. Payment and Pricing

• Product prices are subject to change without prior notice.

• We accept payment methods such as [list acceptable methods, e.g., credit cards, digital wallets].

• For cross-border transactions, additional costs (e.g., customs duties, taxes) may apply based on your location.

6. Shipping, Returns, and Refunds

• Shipping times may vary across Southeast Asian countries due to logistics constraints.

• Our Return and Refund Policy is detailed separately [link to policy]. Generally, returns are accepted within [number] days of delivery, provided products are unused and in original packaging.

• Refunds are processed via the original payment method within [number] business days.

7. Limitation of Liability

To the fullest extent permitted by law, [Your Business Name] shall not be liable for:

• Indirect, incidental, or consequential damages (e.g., loss of profits, data breaches).

• Issues arising from third-party services (e.g., payment gateways, logistics partners).

8. Privacy and Data Security

We collect and use your personal data in accordance with our Privacy Policy [link to policy]. By using our services, you consent to data processing practices compliant with regional regulations (e.g., Philippines’ Electronic Commerce Act 2000, ASEAN data protection guidelines).

9. Dispute Resolution and Governing Law

• These Terms are governed by the laws of [Your Jurisdiction, e.g., Singapore].

• Any disputes shall be resolved through arbitration in [City, Country] or via the courts of [Your Jurisdiction].

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting on this page. Continued use of our services constitutes acceptance of updated terms.

11. Contact Information

For questions about these Terms, contact us at:

• Email: [modernacassoc@gmail.com]

• Phone: [0380511318]

• Address: [NO.18­-1 JALAN PUTERI 2/6 BANDAR PUTERI 47100 PUCHONG 
  SELANGOR MALAYSIA]