Last updated: December 25, 2025
These Terms of Service ("Terms") govern your use of MSA Apps services, including KEES, TORS, and Morfio applications ("Services"). Please read these Terms carefully before using our Services.
1. Acceptance of Terms
By downloading, installing, accessing, or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services. Your continued use of the Services constitutes ongoing acceptance of these Terms and any updates thereto.
2. Eligibility
You must be at least 13 years of age to use our Services. If you are under 18, you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf. We reserve the right to terminate accounts of users who do not meet eligibility requirements.
3. Description of Services
Morfio: An AI-powered hairstyle transformation application that allows users to upload photos and receive AI-generated hairstyle previews. Results are generated using artificial intelligence and are intended for entertainment and visualization purposes only.
KEES: A food and grocery delivery platform connecting customers with local stores and delivery drivers.
TORS: A real estate platform facilitating connections between property owners and travelers.
4. User Content and Photo Uploads (Morfio)
By uploading photos to Morfio, you:
• Represent that you have the right to upload such photos and that they do not violate any third-party rights
• Grant us a limited, non-exclusive license to process, store temporarily, and use the photos solely to provide the AI generation service
• Acknowledge that you are solely responsible for the content you upload
• Agree not to upload photos containing nudity, explicit content, images of minors without parental consent, or content that violates applicable laws
• Understand that original uploaded photos are automatically deleted after processing (approximately 20 hours)
5. AI-Generated Content Disclaimer
IMPORTANT: Morfio uses artificial intelligence to generate hairstyle transformations. You acknowledge and agree that:
• AI-generated results are provided "AS IS" without any warranties of accuracy, quality, or fitness for any purpose
• Results may vary significantly and we do not guarantee satisfaction with generated images
• AI generation may occasionally fail, produce unexpected results, or generate content that does not meet your expectations
• Generated images may contain artifacts, distortions, or unrealistic elements
• We are not responsible for any decisions you make based on AI-generated previews
• AI-generated content should not be relied upon as an accurate representation of how a hairstyle will look in real life
• We reserve the right to refuse processing any image at our sole discretion
6. Virtual Currency (Coins)
Our Services may include virtual currency ("Coins" or "Gold Coins") used to access features. By purchasing or earning virtual currency, you agree that:
• Virtual currency has no real-world monetary value and cannot be exchanged for cash, credit, or any other form of payment
• All purchases of virtual currency are FINAL and NON-REFUNDABLE, except as required by applicable law or app store policies
• Virtual currency may be lost, expire, or become unavailable due to technical issues, service interruptions, account termination, or other circumstances beyond our control
• We are not liable for any loss of virtual currency for any reason, including but not limited to: failed transactions, service outages, bugs, server errors, account issues, or discontinuation of features
• Virtual currency balances may be adjusted or reset to correct errors or fraudulent activity
• We reserve the right to modify pricing, earning rates, and redemption values at any time
• Upon termination of your account or the Service, all virtual currency will be forfeited
• Unused coins are not eligible for refunds under any circumstances
7. In-App Purchases
Purchases are processed through third-party app stores (Apple App Store, Google Play Store). All transactions are subject to the respective app store's terms and refund policies. We do not store payment card information. Contact the relevant app store for billing disputes or refund requests related to payment processing.
8. Service Availability and Interruptions
We strive to provide reliable Services, but you acknowledge that:
• Services may be unavailable due to maintenance, updates, technical issues, or circumstances beyond our control
• We do not guarantee uninterrupted, error-free, or secure access to our Services
• Features may be modified, suspended, or discontinued at any time without prior notice
• AI processing may experience delays, failures, or reduced quality during high-demand periods
• We are not liable for any losses arising from service interruptions or unavailability
9. User Responsibilities
You are responsible for:
• Providing accurate and current information
• Maintaining the confidentiality and security of your account credentials
• All activities that occur under your account
• Complying with all applicable laws and regulations
• Respecting the rights of other users and third parties
• Saving any generated content you wish to keep before it is automatically deleted
10. Prohibited Activities
You may not use our Services to:
• Violate any applicable laws, regulations, or third-party rights
• Upload content that is illegal, harmful, threatening, abusive, defamatory, or otherwise objectionable
• Upload images of individuals without their consent
• Attempt to reverse engineer, decompile, or extract source code from our applications
• Interfere with or disrupt the integrity or performance of our Services
• Circumvent any security measures or access restrictions
• Use automated means (bots, scrapers) to access our Services
• Exploit bugs or vulnerabilities for personal gain or to cause harm
• Create fake accounts or misrepresent your identity
• Use the Service to generate content for fraudulent or deceptive purposes
11. Intellectual Property
All content, features, and functionality of our Services (excluding user-uploaded content) are owned by MSA Apps and protected by intellectual property laws. You retain ownership of photos you upload. For AI-generated images created through Morfio, you are granted a personal, non-exclusive, non-transferable license to use such images for personal, non-commercial purposes.
12. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. We expressly disclaim all warranties including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Services will meet your requirements, be uninterrupted, timely, secure, or error-free, or that results obtained from use of the Services will be accurate or reliable.
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MSA APPS AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR:
• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Damages arising from service interruptions, data loss, or unauthorized access
• Loss of virtual currency or in-app purchases for any reason
• Any damages resulting from AI-generated content or reliance thereon
• Unsatisfactory or failed AI generation results
• Any third-party conduct or content
In no event shall our total liability exceed the amount you paid us in the twelve (12) months preceding the claim, or $50 USD, whichever is less.
14. Indemnification
You agree to indemnify, defend, and hold harmless MSA Apps and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) content you upload or submit.
15. Termination
We may suspend or terminate your access to our Services at any time, with or without cause, and with or without notice. Upon termination, all licenses granted to you will immediately cease, and you must stop using the Services. Provisions that by their nature should survive termination shall survive, including ownership, warranty disclaimers, indemnity, and limitations of liability.
16. Modifications to Terms
We reserve the right to modify these Terms at any time. Material changes will be notified through the app or our website. Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using the Services.
17. Governing Law and Disputes
These Terms shall be governed by applicable laws. Any disputes arising from these Terms or your use of the Services shall be resolved through appropriate legal channels in accordance with applicable jurisdiction.
18. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
19. Entire Agreement
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and MSA Apps regarding your use of the Services.
20. Contact Information
For questions about these Terms, contact us at: