Terms of Service

These Terms of Service (the “Terms”) constitute a binding agreement between you and Enmirth (“we”, “us”, “our”), operator of LapseDesk, in respect of the website at lapsedesk.com and the related book-owner and client applications (together, the “Service”). By creating an account, joining a book, ticking a box to accept these Terms, or otherwise using the Service, you agree to these Terms and to the Privacy Policy, which forms part of them. If you do not agree, you must not use the Service.

The Service is offered in the Philippines. These Terms are governed by the laws of the Republic of the Philippines. Checking the acceptance boxes, or continuing to use the Service after notice of these Terms, is your electronic agreement and has the same effect as a handwritten signature under applicable Philippine law on electronic commerce.

Definitions

“Book owner” means a person who creates an account to keep one or more businesses (books), send invites and reminders, and record that a client has confirmed payment. “Client” means a person invited to a book who may join, view dues, and submit “I’ve paid”. “Book” means a business mini page and the dues kept on it. “You” means the book owner or client using the Service, as the context requires. LapseDesk is a desk for any such user. It is not an insurance agency, bank, or collection office.

Nature of the Service

LapseDesk is a reminder and confirmation desk for people who keep businesses. It is not a bank, money transmission service, billing system, collection agency, insurer, official payee, public client directory, or website builder. LapseDesk does not collect or hold money and does not guarantee outcomes. Amounts due are paid solely as the book owner instructs, and not through the Service. “I’ve paid” is a confirmation, which may include optional proof, for the person who invited you. It is not a card charge, invoice, or transfer effected by LapseDesk.

The Service is not an official payment portal of any insurer, HMO, or office. A book owner uses LapseDesk to remind clients and to record that payment has been confirmed. Mini pages are run by the named person, not by LapseDesk.

We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Service for its intended purpose while your account remains in good standing. You may not copy, scrape, reverse engineer, resell, sublicense, or wrap the Service except as Philippine law expressly allows.

Eligibility

You must be of legal age to contract in the Philippines. The Service is intended for people who already keep businesses and the people they already serve. It is not directed at children. You may not use the Service if we have previously suspended or terminated your account for abuse, or if applicable law forbids you from doing so.

Accounts

Book owners register with an email address and password, then confirm that inbox. Clients authenticate by verified email; the email address is the account key. LapseDesk does not send SMS sign-in codes. You are responsible for the accuracy of information you submit and for keeping credentials confidential. You must tell us promptly if you believe an account has been used without authority. We may treat actions taken with your credentials as yours.

Book owners must attest that they are a real person, that their information is accurate, that they are authorized or already connected to the people they invite and interact with, that they will not use the Service to send unsolicited messages or to engage in fraudulent, deceptive, or unauthorized activity, that they acknowledge and agree that LapseDesk may block or suspend the account for reports or for violation of these Terms, and that they are responsible for licences they need and for anything that happens outside the Service. Book owners and clients must also accept these Terms and the Privacy Policy.

One person may keep books and also join books as a client, but those roles stay separate. You must not share an account. We may refuse, reclaim, or close a username, display name, or book name that is misleading, impersonating, or unlawful.

Use of the Service by book owners

A book owner uses the Service to keep businesses, invite people they already know or are authorized to contact, record dues, send reminders and shoutouts, and mark confirmations. The book owner is solely responsible for the accuracy of dues, payment instructions, contact details, and the persons invited. The relationship between the book owner and a client exists outside LapseDesk. The book owner is not our employee, partner, or representative, and Enmirth is not a party to that relationship.

The book owner must have authorization or an existing connection with each person they invite or interact with, and must not use the Service to send unsolicited messages or to engage in fraudulent, deceptive, or unauthorized activity. The book owner must not collect card numbers, CVV, banking passwords, or one-time passcodes through the Service, nor misrepresent that LapseDesk receives client funds, is an official portal, or guarantees that a due will be paid.

The book owner is responsible for any licences and permits they need, and for anything that happens outside the Service, including messages sent from their own apps. Reminders sent from a personal number or account are that person’s, not LapseDesk’s. Plan seats, books, storage, and credits are enforced on the book-owner account. Unused credits and unused plan time are not refundable.

Use of the Service by clients

A client uses the Service only after an invite, and only for books they choose to join. Clients do not pay LapseDesk. We don’t charge your clients. Amounts due, if any, are paid solely as the book owner instructs, outside the Service.

A client may accept or decline an invite, leave a book, block a book owner, stop reminder emails, or report spam or scam. Confirmations must be truthful. A receipt, if attached, must be of that client’s own payment. A client must not impersonate another person, join a book they have no real connection with in order to interfere, harvest other clients’ information, or use the Service to harass a book owner or other users.

Joining a book does not create a contract with Enmirth for the underlying due. Any dispute about an amount, a policy, or a payment sits between the client and the book owner. LapseDesk does not collect or hold money and does not guarantee outcomes.

Books, invites, and relationships

Clients are never added silently. An invite may cover one or more books. The client picks which offered books to join. A block is keyed to email (and telephone number, if provided), not to a device. Unblock does not restore membership; a new invite is required. Reports remain on file after unblock. The book owner is shown that the book is no longer available or that the invite was not accepted, and is not informed that a report was made.

Names and logos on a book mini page may be seen by anyone with the join link. Do not put secrets, card details, or other people’s personal information on a mini page.

Content you submit

You retain whatever rights you have in book details, dues, payment instructions, shoutouts, confirmations, and receipt images. You grant Enmirth a licence to host, store, display, and process that content solely to operate, secure, and improve the Service. You represent that you have the right to submit it and that it is accurate and lawful.

We may remove or withhold content that we reasonably believe is unlawful, misleading, abusive, or in breach of these Terms. Receipts are shown only to the client who submitted them and to the book owner for that book.

Electronic communications

By using the Service you consent to receive operational messages, including email reminders that a book owner sends in connection with a book you have joined. LapseDesk does not send SMS on its own account. A book owner may contact you from their own messaging apps. Reminder emails are not a condition of using core functions of the Service.

You can stop reminder emails from this book in settings. You may also stop messages on the stop-messages page without opening an application. Stopping messages does not delete your account.

Acceptable use

You must not use the Service to:

• break the law, or help anyone else break the law;
• send unsolicited messages, or engage in fraudulent, deceptive, or impersonating activity;
• harvest, scrape, or compile a public directory of clients, book owners, or books;
• interfere with accounts, security, rate limits, or the operation of the Service;
• upload malware, or content that is defamatory, hateful, or sexually exploitative;
• collect card numbers, CVV, banking passwords, or one-time passcodes;
• present LapseDesk as a bank, wallet, insurer, official portal, or the party that receives client funds;
• circumvent a block, suspension, seat limit, or payment of plan fees.

Reports, suspension, and termination

We may, at our reasonable discretion, warn, limit, block, suspend, or terminate an account, book, invite, session, or feature, with or without prior notice, where we believe there has been a report of unsolicited messages, fraud, impersonation, or other abuse; a violation of these Terms or of applicable law; a risk to other users or to the Service; unpaid plan fees; or prolonged inactivity. For client accounts, unused accounts may receive email warnings after about 21 and 23 months of inactivity, may be closed after about 24 months, and personal details may be removed about 30 days after closure unless the client signs in again.

We may act on a single report, on a pattern of reports, or on our own investigation. We are not obliged to disclose the existence or content of a report to the person reported. Suspension of a book owner may warn linked clients and hide further invites and mini-page actions from that account. We may revoke sessions and require a fresh sign-in.

You may close your account through the Service where that control is provided. We may retain records as described in the Privacy Policy, including stop, block, and report records needed to give those requests effect. Fees already paid are not refunded on suspension or termination, except where Philippine law requires otherwise.

Provisions that by their nature should survive (including nature of the Service, acceptable use, enforcement, fees already due, intellectual property, disclaimer, limitation of liability, indemnity, and governing law) survive termination.

Fees and prepaid amounts

Book owners pay for the Service. Clients do not. We don’t charge your clients. Plan subscriptions and credit packs are purchased in the book-owner application through the store. The website does not take cards. Amounts paid are not refundable, including unused credits and unused time remaining in a plan period. Credits expire twelve months after they are granted. Sign-in, dues, confirmation, and email reminders remain available when credits are at zero.

Prices are as shown at the time of purchase. Store fees and tax treatment follow the store’s rules. We may change plan prices or pack sizes for future purchases by posting the new amounts. A change does not alter a period already paid unless the store requires it.

Availability and changes to the Service

The Service is provided as a working desk, not as a guaranteed line. Features may change, including while LapseDesk is under construction. We do not warrant uninterrupted or error-free operation, or that a reminder will be received, read, or acted on. We may perform maintenance, throttle abusive traffic, or withdraw a feature that is unsafe or unused.

Intellectual property

LapseDesk, the mark, the desk design, and the software are owned by Enmirth or its licensors. These Terms do not transfer any of that ownership. You may not use our name, mark, or layout in a way that suggests we endorse your books, guarantee a payment, or receive client funds.

Third-party services

The Service may rely on hosting, authentication, storage, email, stores, and similar providers. Deep links into WhatsApp, SMS, or other apps open the book owner’s own tools; those tools have their own terms. We are not responsible for a third party’s network, outage, or policy.

Privacy

How we collect, use, and share personal information is described in the Privacy Policy. You must not submit another person’s information unless you are allowed to do so.

Disclaimer and limitation of liability

The Service is provided “as is”. We do not warrant uninterrupted or error-free operation, or that a reminder will be received or read. To the fullest extent permitted by law, Enmirth shall not be liable for lost profits, lost data, or indirect or consequential loss, nor for any loss arising from a missed or incorrect due, a failed reminder, a report, a suspension, or a payment made or not made outside the Service. Our aggregate liability arising out of the Service shall not exceed the fees the book owner paid to us in the three months preceding the claim. Clients do not pay us; our aggregate liability to a client arising out of the Service shall not exceed one thousand Philippine pesos, except where the law requires more.

Nothing in these Terms excludes liability that cannot be excluded under Philippine law, including for fraud or for death or personal injury caused by negligence.

Indemnity

You will indemnify and hold harmless Enmirth and its officers and staff against claims, losses, and reasonable costs arising from your use of the Service, your content, your invites and messages, your activity outside the Service, or your breach of these Terms, except to the extent caused by our wilful misconduct.

Events beyond our control

We are not liable for delay or failure caused by events beyond our reasonable control, including outages of hosting, stores, email, or public networks, or acts of government.

General

These Terms, together with the Privacy Policy and any in-product attestation you accept, are the entire agreement for the Service. If a court finds a part unenforceable, the rest remains. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign them in connection with a reorganisation or a transfer of the Service. There are no third-party beneficiaries except as Philippine law requires.

Governing law and disputes

These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law rules. Subject to any mandatory consumer venue, disputes shall be brought in the competent courts of the Philippines. Before filing, you agree to contact us through the Service and to allow a reasonable time for a written reply.

Changes

We may amend these Terms by posting an updated version and revising the date above. Material changes will be flagged in the Service where practical. Continued use after the effective date constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Service and may close your account.

Contact

Questions concerning these Terms may be directed through the Service. See also the Privacy Policy.