Market Schedules

Version 1.0 · Effective 14 August 2026 · Corvair Pte. Ltd. (UEN 202551453H)

1. The shape of the problem

IPGuru is one service, built and operated by one company in Singapore. invent.sg is not a different product, a different company or a different estate. It is a branded surface onto the same platform, with its own language, currency, price list and legal wrapper. A United States marketplace, if one is launched, will be the same.

That creates a drafting problem with an obvious wrong answer. The wrong answer is a separate set of terms per market, because within two years there are six of them, they have drifted, nobody knows which clause is authoritative, and a customer who bought on one surface and uses the platform alongside a customer who bought on another is governed by a different contract for the same software.

The right answer is one agreement plus a schedule per market, with a precedence rule that makes a badly drafted schedule harmless. This document sets that out.

2. The structure

The Privacy Policy is not localized. There is one controller, one processing operation and one sub-processor set, so there is one privacy notice, with a market annex carrying only the local supervisory authority, the local complaint route, and any local representative. Splitting the privacy notice by market would create the drift it is designed to prevent, and would make a subject access request answerable differently depending on which page the person read.

The Acceptable Use Policy and Refund Policy are not localized either, save that the Refund Policy already names statutory rights by market and a Market Schedule may add one.

3. The precedence rule

This is the whole design in one sentence.

The Global Terms govern. A Market Schedule prevails only where it states a mandatory requirement of the law of that market, and then only to the extent that law requires. Where the Global Terms and a Market Schedule differ in any other respect, the customer is entitled to whichever is more favourable to them.

Three consequences follow, and the third is the point.

A Market Schedule cannot quietly weaken the contract. If a schedule purports to reduce a right the customer has under the Global Terms, the Global Terms apply instead. The reduction simply has no effect.

A Market Schedule cannot be used to route around a global decision. If the training position, the confidentiality obligation or the liability floor is to change, that is a change to the Global Terms and it reaches every market at once.

A drafting mistake in a market is bounded. The worst outcome of a badly drafted schedule is that it is ineffective. It can never produce a customer who is worse off than the global baseline. This is the same discipline the platform already applies to coupon conditions, which only ever narrow: a mechanism that can only fail in one direction is a mechanism you can delegate.

4. What a Market Schedule may and may not contain

4.1 The closed list of what it may contain

A Market Schedule may address these matters and no others. Adding a category to this list is a change to this document.

1. The storefront: its domain, brand and language.
2. The seller and the merchant of record for that storefront.
3. Price list, currency and tax presentation, including whether displayed prices are inclusive or exclusive of tax.
4. The governing language, and whether a translation governs.
5. Mandatory local consumer rights, stated as additions to or overrides of a named global clause, to the extent local law requires.
6. Local statutory disclosures, such as automatic renewal notices, cooling-off periods, cancellation mechanics, or prescribed contract summaries.
7. The local regulator and complaint route, for both consumer and data protection matters.
8. A higher minimum age, where local law or commercial policy requires one. Never a lower one.
9. Local addresses for support and for legal notices, and any local representative required by law.
10. A local dispute forum, where local law confers or requires one.
11. Local rules on electronic communications and marketing: the consent standard, the deadline for acting on an unsubscribe, sender identification, any address that must appear in a marketing message, and any do-not-call or do-not-email register that applies.

Item 11 was added on 14 August 2026, when the Terms of Service gained a communications clause. The consent standard, the unsubscribe deadline and the sender-identification rules for electronic marketing are set by local statute in almost every market, and the original list did not carry a category for them. So the list was changed here first and the schedules were updated afterwards. That is the mechanism in 4.3 working rather than failing, and it is recorded here as the example of how the list is meant to change.

The four regimes at a glance, for the markets in the register. Each is a matter for the market's counsel and the summary is not a substitute for their advice.

Clause 21.5 of the Terms of Service is drafted to the strictest of these, being the EU and UK soft opt-in conditions, so one rule is lawful in every market and no market needs a separate consent flow. Where a market is stricter still, its schedule says so and the schedule prevails to the extent that market's law requires.

4.2 The closed list of what it may never contain

A Market Schedule may never:

1. Change the seller, or introduce a second selling entity. See section 7.
2. Change the service: its capabilities, its allowances, what it does or what it does not do.
3. Reduce any right the customer has under the Global Terms.
4. Raise the liability cap above the global cap, except where local law compels it, and never lower the floor.
5. Vary clause 4 (artificial intelligence), clause 6 (ownership) or clause 7 (confidentiality). These define the product and are global by nature.
6. Change the training position. It is one answer for every customer, everywhere.
7. Introduce a different privacy controller, a different sub-processor, or a different data flow.
8. Add a fee, charge or customer obligation that is not in the Global Terms.
9. Waive a protection that benefits the customer.
10. Contradict the merchant of record's customer terms, which the Cleverbridge agreement requires of every customer agreement we enter.
11. Widen the category of messages a customer cannot switch off. Clause 21.3 closes that list globally. A market may require an additional message to be sent; it may never make a message the customer controls into one they do not.

4.3 Why the lists are closed

An open list becomes a place where anything inconvenient in the Global Terms gets locally disapplied, one market at a time, until the global document describes nothing. A closed list means a market that needs something not on it has to change this document first, which is a deliberate act with a named approver rather than an improvisation inside a launch.

5. Issuing a Market Schedule

A Market Schedule creates legal obligations, so issuing one is a privileged act, in the same way that issuing a coupon or granting an entitlement outside the purchase path is.

A Market Schedule is never issued as part of a marketing launch without steps 2 and 6.

6. Language and translation

English is the governing language of the Global Terms and of every Market Schedule, and a translation is provided for convenience only, except where the law of a market requires that a local-language version govern. Where it does, the Market Schedule says so expressly, and:

• the local-language version is treated as authoritative in that market for the clauses it covers;
• a certified translation is commissioned rather than a machine translation;
• the precedence rule in section 3 still applies, so where the two versions differ in a way that disadvantages the customer, the more favourable version applies;
• the translation is re-commissioned whenever the Global Terms change materially, and the market is not published until it is.

France, Quebec and several other jurisdictions have requirements of this kind. Treating translation as a legal act rather than a content task is what stops a market launching with an approximate contract.

7. If a market ever needs its own selling entity

Today there is one seller in every market: Corvair Pte. Ltd. A storefront changes the brand, the currency, the language and the legal wrapper. It never changes who the customer is contracting with.

A United States marketplace does not by itself change that. Selling into the United States from Singapore through a merchant of record is exactly what the current structure does.

If a market ever requires a local selling entity, for tax, regulatory or commercial reasons, that is not a Market Schedule. It is a different seller, a different contracting party, a different tax position, a different privacy controller and potentially a different sub-processor set. It requires:

• a change to the Global Terms, naming the entity and the markets it sells in;
• its own privacy notice, or a substantial annex, because the controller changes;
• a new merchant of record arrangement, or an amendment to the existing one;
• a review of intra-group licensing, so the local entity has the right to sell the service;
• a review of the platform's tenancy and surface registration, since SEC-ENT-001 §7.9 treats a change of selling entity as a roster-level change.

This is recorded here so that the day it happens, somebody has to change this document first. That is the point of writing it down while it is not yet true.

8. The market register

Privacy annexes are tracked separately, at the end of section 11, because the Privacy Policy is not localized and an annex carries only a supervisory authority and a complaint route. A market can have a Market Schedule before it has a privacy annex. Both have to be complete before that market opens.

Every order records two version numbers: the Global Terms version and the Market Schedule version accepted. MOR-OPS-001 D.2 already requires the terms version to be recorded on the order; this makes it a pair. Every message about that order links the versions the customer accepted, not the current ones.

9. Market Schedule template

A Market Schedule has three parts: a header, a fixed preamble that is reproduced word for word, and eleven numbered items. Nothing else.

9.1 Header

9.2 Preamble, reproduced verbatim

The precedence rule is the safety mechanism of the whole structure, so it is not paraphrased and not summarised. Every schedule carries this text exactly:

This schedule forms part of the IPGuru.ai Terms of Service. It applies to you if you purchased through [storefront] or your billing country is [country].

The Terms of Service govern. This schedule prevails only where it states a mandatory requirement of [market] law, and then only to the extent that law requires. Where this schedule and the Terms of Service differ in any other respect, you are entitled to whichever is more favourable to you.

Nothing in this schedule reduces any right you have under the Terms of Service.

9.3 The eleven items

Every schedule answers all eleven. Where an item does not apply, it says so rather than being omitted, so that a reader can tell the difference between "nothing applies here" and "nobody checked".

9.4 Before it is issued

Section 5 sets out the eight steps. The two that are never skipped are local counsel review and approval by a director, and the check against section 4.2 is recorded rather than assumed.

A conformance check is one of them. A schedule carries these eleven items, in this order, and nothing else. A market that has something to say which does not fit an item does not get a twelfth item; either it belongs inside one of the eleven, or the category list in section 4.1 changes first. The Australian draft is the worked example: its unfair contract terms material stood as a separate item until it was recognised as statutory rights material and folded into item 5. The United States draft is not yet conformant and is marked draft partly for that reason; it will be reordered when US counsel settles its content.

10. Market Schedule MS-SG — Singapore

Storefront: invent.sg · Market: Singapore · Schedule version 1.0

1. Storefront and language. invent.sg, English. No translation governs.

2. Seller and merchant of record. Corvair Pte. Ltd. (UEN 202551453H), 23 Jalan Raja Udang, #11-09, The Arte, Singapore 329216, is the seller. Cleverbridge GmbH is the merchant of record and the seller of record for the payment transaction. invent.sg and ipguru.ai are brands of the same company.

3. Currency and tax. Prices are shown in Singapore dollars. Goods and Services Tax is added at checkout at the prevailing rate and is collected and remitted by the merchant of record.

4. Minimum age. Fifteen, as in clause 5 of the Terms of Service.

5. Your statutory rights in Singapore. Your rights under the Consumer Protection (Fair Trading) Act 2003, including the Lemon Law provisions, are not excluded or limited by the Terms of Service. Clause 18 (Disclaimers) and clause 19 (Limitation of liability) are read subject to that Act.

6. Cancellation. As in clause 10 of the Terms of Service. Singapore does not impose a statutory cooling-off period for this category of distance contract, and our own fourteen-day money-back position in the Refund Policy applies regardless.

7. Automatic renewal. As in clause 10. Notice is given at least thirty days before an annual renewal and before any change in renewal price.

8. Dispute resolution and forum. Singapore law and the courts of Singapore, as in clause 22. Consumers may also use the Consumers Association of Singapore (CASE) mediation service.

9. Regulators. Consumer: Competition and Consumer Commission of Singapore. Data protection: Personal Data Protection Commission.

10. Local addresses. Support: support@corvair.ai. Legal notices: the registered office above.

11. Electronic communications and marketing. Singapore permits commercial electronic messages to email and mobile addresses on an opt-out basis under the Spam Control Act 2007, so clause 21.5 of the Terms of Service applies here without a prior consent step. Every message identifies Corvair Pte. Ltd., gives a Singapore address for contact and carries a working unsubscribe facility, and an unsolicited commercial message carries the label the Act prescribes in its subject line. [Counsel to confirm the current prescribed label and the address requirement.] The Act allows ten business days to act on a withdrawal and we act sooner where we can. Use of your personal data for marketing is governed by the Personal Data Protection Act 2012, and its Do Not Call Provisions apply to marketing by telephone call, text message and fax to Singapore telephone numbers; we do not currently send those, and a register check applies before we ever do. Essential and configured messages under clauses 21.3 and 21.4 are not marketing and are unaffected.

11. Markets in preparation

Three markets have schedules drafted and not issued. They are listed here so the register is complete, and their content is held back until local counsel has settled it. Until a schedule is issued, customers in those markets buy under MS-GLOBAL and the Global Terms apply to them in full.

No market waits on its schedule to be protected. A Market Schedule adds local particulars and mandatory local law. It never creates the customer's rights, which come from the Global Terms, and it can never reduce them. A market with no schedule is a market with the global position and nothing subtracted.

Privacy annexes

The Privacy Policy is not localized: one controller, one processing operation, one sub-processor set, so one notice. Section 15 of that notice carries a short annex per market containing the local supervisory authority, the complaint route and any statutory disclosure that market's law requires of a controller. An annex can add nothing else.

Annexes are published complete or not published. Singapore, the European Union, the United Kingdom and Australia are complete and appear in the Privacy Policy. India and the United States are in preparation and are deliberately not published in placeholder form, because a bracketed annex tells a reader that something local applies to them without saying what it is. The global notice governs those markets in the meantime, without qualification.