Terms of Service | PremioKey

1. Acceptance of Terms

By accessing or using PremioKey ("the Platform"), you agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and Omniwin Limited ("Omniwin," "we," "us," or "our"), a company incorporated under the laws of Hong Kong SAR.

These Terms govern your use of the Platform, including all features, tools, and services provided through PremioKey. Additional terms may apply to specific services.

If you do not agree to these Terms, you must immediately stop using the Platform and delete your account.

2. Nature of Service & Disclaimers

IMPORTANT: PremioKey is a property management software platform, NOT a licensed real estate agent, property manager, financial advisor, legal advisor, or accounting service.

Critical Disclaimers:

Not Real Estate Advice: PremioKey does not provide real estate, investment, or property valuation advice.
Not Legal Advice: Nothing on this Platform constitutes legal advice. For legal matters, consult a qualified solicitor.
Not Financial/Accounting Advice: Financial data shown is for property management reference only. Consult a certified accountant for tax and financial reporting.
Not a Property Manager: Omniwin is not a licensed property management company and does not manage properties on your behalf.

AI-generated content — including but not limited to rent estimates, AI-drafted lease documents, property descriptions, maintenance triage, and expense tax-deductibility suggestions — is for informational purposes only and does not constitute professional legal, tax, financial, or property-management advice. You remain responsible for the decisions you make using AI-generated content, and we strongly recommend consulting a qualified professional licensed in your jurisdiction before acting on any AI output.

3. User Accounts & Responsibilities

To use PremioKey, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials.

As a registered user, you agree to:

Provide accurate and truthful information about yourself and your properties.
Maintain the security of your account credentials and not share them with others.
Promptly notify us of any unauthorized use of your account.
Comply with all applicable laws, including landlord-tenant regulations in your jurisdiction.
Not use the Platform for any fraudulent, illegal, or unauthorized purpose.

You are solely responsible for all activities that occur under your account.

4. Acceptable Use Policy

You agree not to use PremioKey for any of the following prohibited activities:

Violating any applicable local, national, or international laws or regulations.
Discriminating against tenants or applicants — including in a listing, an advertisement, or the criteria you apply — on the basis of race, color, ethnic or national origin, nationality, religion or belief, sex, pregnancy or maternity, marital or family status, sexual orientation, gender identity, age, disability, whether a person has children, or whether a person receives benefits or other public assistance; or on the basis of any other characteristic protected by the law that applies where the property is located.
Uploading, transmitting, or distributing any harmful, defamatory, obscene, or fraudulent content.
Attempting to gain unauthorized access to the Platform or any systems connected to it.
Interfering with the proper functioning of the Platform or any connected services.
Using automated tools, bots, or scrapers to access or harvest data from the Platform.
Reselling or commercializing the Platform without written authorization from Omniwin.

5. Subscription Plans & Billing

PremioKey offers a free plan and paid subscription plans. Fees for paid plans are charged in advance on a monthly or annual basis, as selected. If you are not satisfied with a paid plan, you may request a full refund of your first payment for that plan by emailing support@premiokey.com within 30 days of that payment. You do not need to give a reason. The refund and the end of your paid plan are one exchange: we return that payment in full to the original payment method, and your paid plan ends when we issue the refund. Paid features stop at that point — they do not continue to the end of the period you had paid for. Section 6 below describes what happens when you cancel without taking a refund; this is the exception to it. Your account and your data stay with you on our free plan, and you can subscribe again whenever you want. This refund is available once per account, and changing plans does not start a new 30-day period. Apart from this refund, fees are non-refundable except where required by applicable law. Nothing in these Terms affects any cancellation or withdrawal right you have under the law of your country.

The money-back guarantee above takes effect on October 1, 2026. It writes into these Terms a guarantee we already advertise and already honour — you can request a refund today, and you need do nothing.

We reserve the right to modify pricing with reasonable advance notice. Continued use of the Platform following a price change constitutes your acceptance of the new pricing.

6. Subscription Terms & Cancellation

Paid subscriptions are governed by the following terms:

Subscriptions begin immediately upon payment and continue for the selected billing period.
You may cancel at any time through your account settings or by contacting support.
Upon cancellation, you retain access to paid features until the end of the current billing period. This does not apply if you take the money-back refund described in section 5, which ends paid access when the refund is issued.
No refunds are provided for partial billing periods, except where required by law.

Downgrading your subscription may result in loss of access to premium features and data associated with those features.

Auto-Renewal: Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.

Omniwin reserves the right to suspend or terminate accounts with overdue payments after reasonable notice.

Marketplace Listing Moderation

This section is effective from September 1, 2026.

This section applies to listings published to the PremioKey marketplace. We may hold a listing for review before it is published, and listings that are already published remain subject to review. We may decline to publish a listing, or suspend a published listing so that it is no longer publicly visible, on the grounds set out below. When we decline or suspend a listing, we tell you the reason for the decision and what you can do next, unless the law prevents us from telling you.

We may decline to publish a listing, or suspend a published listing, on the following grounds:

A breach of the Acceptable Use Policy section of these Terms.
Content that is inaccurate or misleading, duplicates another listing, offers a property that is not genuinely available to let, or advertises a property you are not entitled to advertise.
Wording that reads as setting out who may live in the property, rather than describing the property.
A requirement imposed by law, or by a court or other competent authority.
A credible report that the listing infringes another person's rights.
A reasonable belief that continuing to publish the listing would expose us or another person to a legal claim.

A suspension lasts until the listing is changed and published again, or until we tell you otherwise. A listing we decline or suspend can be edited and published again. Your other listings, your property records and your account are not affected.

A listing also stops being published when its listing period ends, or if your account is suspended or closed under the Termination section of these Terms.

Automatic wording checks run on every listing before it is published. These checks can stop a listing from being published as written, without a person reviewing it first; if that happens, you can edit the wording and publish again, and you can ask us to review the decision. Decisions to decline or suspend a listing are made by a person.

If we suspend a listing that has an active paid promotion, we refund the unused part of what you paid for that promotion, less a processing fee of 10%, to the payment method you used. We do not make a refund where less than 20% of the promotion period is left, or where the amount would come to less than 1.00 in the currency you paid.

If we suspend a listing for a reason that is not your fault — for example because the law requires it, or because of a report that turns out to be wrong — and you have paid for a listing plan period that has not yet run, contact our support team and we will refund the unused part of that fee or credit it to your account.

If you believe a decision about your listing was wrong, you can contact our support team and tell us why — a person will look at it. The Dispute Resolution section of these Terms sets out the further steps available to you.

Marketplace Listing Ranking

When you search the PremioKey marketplace, results are ranked by the following main parameters, in order of importance: (1) any active paid promotion on a listing; (2) the listing's plan tier (Premium, then Featured, then standard); and (3) your chosen sort, such as price, date listed, or popularity. Paid promotions and higher plan tiers are placement options that landlords and letting agents can purchase.

Paid placement affects the order of results only on the default 'Most Relevant' view. When you select a specific sort, results follow that sort exactly and paid placement does not change their order. Every promoted or higher-tier listing is labelled on the results page, and a short explanation of how results are ranked is shown directly on the search results. Paid placement never changes a property's price, details, or availability.

7. Intellectual Property

The Platform, including all software, content, trademarks, and designs, is owned by Omniwin Limited and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Platform for its intended purposes.

You may not copy, modify, distribute, or create derivative works from our Platform.
You may not reverse-engineer, decompile, or disassemble any part of our software.
Your data and content remain your property, subject to the license you grant us in these Terms.
You grant Omniwin a limited license to process and display your content solely to provide the Platform services.

Any feedback, suggestions, or improvements you provide may be used by Omniwin without obligation or compensation.

8. Limitation of Liability

⚠️ Important Limitation Notice

To the maximum extent permitted by applicable law, Omniwin Limited's total liability to you for any claim arising from your use of the Platform shall not exceed the amount you paid to Omniwin in the twelve (12) months preceding the claim.

In no event shall Omniwin be liable for any:

Lost profits, revenue, or business opportunities.
Loss or corruption of data.
Indirect, incidental, special, or consequential damages.
Damages arising from your reliance on AI-generated content or estimates.
Damages resulting from third-party actions, including tenants, vendors, or contractors.
Service interruptions, security breaches beyond our reasonable control.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability. In such jurisdictions, our liability is limited to the fullest extent permitted by law.

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

9. Tenant Data & Privacy

You acknowledge that you are the data controller for tenant personal data you input into the Platform. You are responsible for ensuring you have lawful basis to collect and process tenant data, compliance with applicable data protection laws in your jurisdiction, obtaining necessary tenant consents, and responding to tenant data subject requests. Omniwin acts as a data processor on your behalf. See our Privacy Policy for details on how we handle data.

10. Compliance with Laws

You are solely responsible for complying with all laws applicable to your use of the Platform, including:

Landlord-tenant laws and regulations in your jurisdiction.
Fair housing and anti-discrimination laws.
Data protection and privacy laws (e.g., GDPR, PDPO, CCPA where applicable).
Financial reporting and tax obligations.
Health and safety regulations for rental properties.
Building codes and licensing requirements for rental properties.

PremioKey does not provide compliance guidance. For jurisdiction-specific advice, consult qualified legal professionals. For our data handling practices, see our Privacy Policy.

11. Third-Party Services

PremioKey integrates with third-party services including Stripe (payments), Supabase (database), Google Maps, and AI providers. These services have their own terms and privacy policies. Omniwin is not responsible for the practices of third-party service providers.

We may change, suspend, or discontinue third-party integrations at any time without liability.

12. Dispute Resolution

In the event of a dispute, we encourage you to contact us first to seek resolution. Our process:

Step 1 – Contact Us: Email legal@premiokey.com with your dispute details. We will respond within 14 business days.
Step 2 – Mediation: If informal resolution fails, the parties agree to attempt mediation in Hong Kong SAR before initiating any legal proceedings.
Step 3 – Arbitration: Disputes not resolved through mediation shall be finally settled by arbitration under the rules of the Hong Kong International Arbitration Centre (HKIAC).
Step 4 – Governing Law: These Terms are governed by the laws of Hong Kong SAR.

Nothing in this clause prevents either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction.

13. Termination

Omniwin reserves the right to suspend or terminate your account at any time for: material breach of these Terms, non-payment of fees, fraudulent or illegal activity, conduct that harms other users or the integrity of the Platform, or any reason at our sole discretion with 30 days' notice. Upon termination, your license to use the Platform immediately ends. You may export your data within 30 days of termination.

14. Warranty Disclaimer

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Omniwin does not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components.

15. Force Majeure

Omniwin shall not be liable for any failure or delay in performance resulting from circumstances beyond our reasonable control, including acts of God, natural disasters, pandemic, war, government actions, internet outages, or failures of third-party service providers.

16. Entire Agreement

These Terms, together with our Privacy Policy and any supplemental terms for specific services, constitute the entire agreement between you and Omniwin regarding the Platform and supersede all prior agreements, representations, and understandings.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

18. Assignment

You may not assign or transfer any of your rights or obligations under these Terms without Omniwin's prior written consent. Omniwin may assign its rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

19. Updates to These Terms

Omniwin may update these Terms from time to time. When we make material changes, we will:

Notify you via email or in-app notification at least 14 days before changes take effect.
Post the updated Terms with a revised "Last Updated" date.
Request your acceptance for material changes if required by applicable law.

Your continued use of the Platform after the effective date of updated Terms constitutes your agreement to the new Terms.

20. Contact Information

For questions about these Terms, billing disputes, or legal notices, please contact us — for privacy requests, write to privacy@premiokey.com:

Company: Omniwin Limited (trading as PremioKey)

Jurisdiction: Hong Kong SAR

Company Registration: No. 78954807

Email: legal@premiokey.com

We aim to respond to all legal inquiries within 14 business days.

Special Notices for Property Management

🏠 Property Management Software Notice

PremioKey is a software tool to help you organize and manage your rental properties. We are NOT a property management company, real estate agent, or licensed professional service.

PremioKey does not guarantee rental income, tenant quality, property performance, or compliance with local landlord regulations. These responsibilities remain with you as the property owner.

💰 Financial Data Notice

Financial data displayed in PremioKey (rent, expenses, income summaries) is for property management reference only and should NOT be used for tax returns, financial reporting, GAAP compliance, or official financial statements. Always consult a qualified accountant or financial professional.