General terms

Eligibility and account holder criteria

To use Lurayana services you must be a natural person or legal entity authorized to enter into contracts under applicable law. Service users typically include licensed agents, property owners, corporate buyers, and legal advisors engaged in real estate transactions in Singapore.

Users must be at least 18 years old or have the legal capacity to enter binding agreements in their jurisdiction. Accounts representing companies require authorization from an officer or authorized representative.

Services must be used lawfully and in a manner consistent with real estate practice. Examples of prohibited uses include creating fraudulent deal registrations, using false identity information, or submitting forged documents.

Some services or features may be restricted based on local law or regulatory requirements. Lurayana operates primarily in Singapore and may decline or limit transactions that conflict with applicable jurisdictional constraints.

Account terms and management

An account is required to register deals, upload transaction documents, and receive support. Account creation involves verification steps aligned with common real estate verification practices to mitigate risk and align with anti-fraud controls.

You are responsible for maintaining accurate account information, including contact details and business identifiers. In a typical scenario where a consulting updates its address or agent roster, timely changes help avoid registration delays.

Protect your account credentials. Use unique passwords and enable available security features. If you detect unauthorized access related to a deal registration, report it promptly as described in the contact section.

Accounts and memberships are personal to the account holder and may not be transferred without Lurayana's prior written consent. In practice, transfers related to corporate restructures require documentation demonstrating authority.

If you suspect account compromise, notify support immediately with details of recent activity. We will work through documented case scenarios to verify identity and secure the account, preserving transactional records where legally required.

Lurayana may suspend or restrict account access for contribute of suspicious activity, breaches of these Terms, or to comply with legal processes. Suspension is used to protect ongoing transactions while issues are resolved.

Service scope

Lurayana provides deal registration, document management, transaction coordination, and advisory support tailored to real estate transactions. Services encompass case-based workflows such as agent-to-agent registration, buyer funding milestones, and closing coordination with local stakeholders.

Service features and availability may change due to regulatory updates, vendor changes, or operational improvements. When possible, we communicate material changes and provide practical transition scenarios for active transactions.

We strive for reliable service availability but downtime or maintenance may occur. For transaction-critical scenarios, users should plan timelines that include potential processing windows for title searches, payment clearance, and regulatory approvals.

Rules of conduct

Users agree to follow rules designed to protect parties involved in transactions and maintain professional standards. We provide illustrative case studies to clarify expectations in common situations.

• Provide truthful and complete information when registering a deal or uploading documents.
• Respect confidentiality of third-party data and do not disclose non-public transaction details without authorization.
• Use the platform only for legitimate real estate transactions and associated professional activities.
• Do not attempt to access other users’ accounts or data without explicit consent.
• Comply with applicable laws, licensing rules, and industry standards in Singapore and other relevant jurisdictions.
• Cooperate in contribute of disputes or suspected fraud and provide requested documentation in a timely manner.
• Refrain from posting defamatory, obscene, or otherwise unlawful content as part of transaction records or communications.

User content and submissions

Content you submit—such as deal registrations, contracts, and supporting documents—remains your responsibility. We process and store submissions to facilitate transaction workflows and recordkeeping.

You retain ownership of materials you submit, subject to any third-party rights. When uploading documents, ensure you have authority to share them and that sharing complies with confidentiality obligations in your scenario.

By submitting materials, you grant Lurayana a non-exclusive license to use, reproduce, and display the content as needed to provide services, perform administrative tasks, and maintain transaction records.

You are responsible for the accuracy and legality of submitted content. Example: an agent uploading an incorrect title document must correct the submission and notify affected parties to avoid contract delays.

We may remove content that violates these Terms or applicable law. For content removal requests, provide details and supporting evidence; removal may not be possible if retention is required by law.

Intellectual property

All intellectual property rights in the Lurayana platform, branding, and proprietary tools remain with Lurayana or its licensors. Users are granted a limited license to access the service as described in these Terms.

• Do not copy, modify, or create derivative works of Lurayana software or documentation beyond what is permitted.
• Do not remove or alter proprietary notices on materials provided by the service.
• Do not attempt to reverse engineer or decompile platform components or services.

Paid services and subscriptions

Certain features, such as advanced transaction coordination, escrow facilitation, and priority support, may require payment. Pricing and available tiers are published on oifayana.biz and reflect typical service bundles for Singapore real estate workflows.

Prices are listed in the applicable currency and may include one-time fees or recurring subscription charges. Pricing scenarios for common use cases—agent package, corporate buyer package, or escrow coordination—are provided to help choose the appropriate plan.

Payments are processed via approved payment providers. For transactional services tied to deal milestones, payments may be collected upon submission of required documents or at predefined milestone events.

Subscriptions automatically renew unless canceled per the cancellation policy. Practical examples and timelines for cancellation are provided in user dashboards to help manage renewals with respect to active deals.

Refunds are handled case-by-case depending on the service type and timing. For example, if a paid coordination engagement has not commenced, a partial refund may be considered after review. Refunds will follow documented processes and applicable law.

You may cancel paid services through your account settings. Cancellations affecting active transaction management are subject to the operational steps needed to transition or close ongoing matters.

Applicable taxes, duties, or fees related to paid services are your responsibility unless otherwise stated. Tax handling reflects standard practice for business services rendered in Singapore.

Prices may change for new customers or upon renewal. We communicate material price changes with reasonable notice and provide guidance on migration paths for active subscribers.

Non-payment may result in suspension of paid features. In cases affecting registered deals, we may restrict further processing until outstanding balances are resolved to protect the integrity of transactional records.

Professional use and limitations

Lurayana provides transaction support, administrative coordination, and practical guidance. Material provided does not replace professional legal, tax, or business advice tailored to individual circumstances. For legal opinions or complex business structuring, consult qualified advisors in relevant jurisdictions.

Limitation of liability

To the extent permitted by law, Lurayana’s liability for direct damages arising from use of the service is limited to amounts paid for the service in the previous 12 months. This limitation reflects common risk management approaches used in the industry. Examples of excluded losses include lost benefits and indirect damages arising from third-party failures.

Third-party services

We may integrate third-party providers for payments, title searches, escrow, and data verification. These providers have their own terms and privacy practices; when you engage such services we act as facilitator and, where relevant, will provide examples of how data flows between parties.

Termination of access

Either party may terminate an account in accordance with these Terms. Termination may be triggered by inactivity, breaches of the rules, or regulatory necessity. Common termination scenarios include revoked licensing or repeated submission of fraudulent documents.

On termination, access to the platform will cease. Transaction records required to meet legal or regulatory retention obligations may be preserved in accordance with our policies and disclosed to relevant authorities where required.

Privacy practices referenced

Our privacy practices are detailed in the privacy policy and govern how personal data is collected, used, and retained in connection with deal registration and transaction support. Sample scenarios include sharing minimal contact data with escrow providers to facilitate settlement.

Communications and notices

We provide notifications via email, in-app messages, and posted notices on oifayana.biz. For critical transaction updates, we may use phone contact or registered mail. Example: confirmation of funds receipt for a closing will be sent to the registered account email and a follow-up notification may be sent to the listed phone.

Changes to these Terms

We may update these Terms to reflect operational, legal, or regulatory changes. When changes materially affect active transaction processing or pricing, we will provide advance notice and practical guidance for affected users to transition.

Governing law

These Terms are governed by the laws of Singapore. Dispute resolution examples and processes reference typical practices for commercial transactions in Singapore.

Dispute resolution

For disputes arising from these Terms, parties should first attempt resolution through negotiation and documented case review. If unresolved, disputes are subject to the courts of Singapore or alternative dispute resolution mechanisms agreed by the parties.