Terms and conditions

Welcome to the Hippo website (the “Website”). The Website and the Services are owned, provided for and/or operated by Hippo. Kindly read these Terms of Use carefully. Your use and access of the Website and the Services are subject to the following Terms of Use.

By accessing the Website, and/or using the Services, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, do not access and/or use this Website or the Services.

The Terms of Use provides you with information on the access and use of the Hippo Website. If you apply for and/or accepts Hippo financial products on the Website, your business and/or you will be subject to a separate agreement that will be provided to you upon successful application, in addition to these Terms of Use.

1. All clients whose credit assessment is successfully approved during onboarding are automatically approved for a Hippo loan facility. The respective Loan Agreement for Hippo shall apply.
2. For clients who apply for and/or accept a Hippo Business Term Loan, the respective Loan Agreement for Hippo Business Term Loan shall apply.
3. For clients who apply for and/or accept a Hippo Mortgage-Backed Loan, the respective Loan Agreement for Hippo Mortgage-Backed Loan shall apply.
4. For clients who apply for and/or accept a Hippo Factoring Facility, the respective Facility Agreement for Hippo Factoring Facility shall apply.
5. For clients who apply for and/or accept other Hippo financing products, the respective Loan / Facility Agreement for the respective financing product shall apply accordingly.
6. For each respective Hippo business financing product, each corresponding Personal Guarantee Agreement shall apply accordingly.

Definitions & Interpretation

Unless otherwise defined, the definitions and provisions in respect of interpretation set out in below will apply to these Terms of Use.

Any reference in these Terms of Use to any provision of a statute shall be construed as a reference to that provision as amended, re-enacted or extended at the relevant time. In the Agreement, whenever the words “include”, “includes” or “including” are used, they will be deemed to be followed by the words “without limitation”. Unless expressly indicated otherwise, all references to a number of days mean calendar days, and the words “month” or “monthly” as well as all references to a number of months means calendar months. Clause headings are inserted for convenience only and shall not affect the interpretation of these Terms of Use. In the event of a conflict or inconsistency between any two or more provisions under these Terms of Use, whether such provisions are contained in the same or different documents, such conflict or inconsistency shall be resolved in favour of Hippo and the provision which is more favourable to Hippo shall prevail.

1.1 “Client” means any user of Hippo financing products, whether an applicant of any financing products by Hippo, or an existing borrower of any financing products by Hippo.

1.2 “Intellectual Property” means all copyright, patents, utility innovations, trade marks and service marks, geographical indications, domain names, layout design rights, registered designs, design rights, database rights, trade or business names, rights protecting trade secrets and confidential information, rights protecting goodwill and reputation, and all other similar, corresponding, neighbouring and/or related proprietary rights and all applications for the same, whether presently existing or created in the future, anywhere in the world, whether registered or not, and all benefits, privileges, rights to apply for and be granted, renewals or extensions of, and rights to claim priority from, rights to sue, recover damages and obtain relief or other remedies for any past, current or future infringement, misappropriation or violation of any of the foregoing rights.

1.3 “Hippo”, “we”, “our” and “us” refer to Big Hippo Pte Ltd, a company incorporated pursuant to the laws of Singapore under registration number 201310258M and having its registered address at 919, Jurong East Street 91 #08-134, Singapore 640919.

1.4 “Losses” means all penalties, losses, settlement sums, costs (including legal fees and expenses on a solicitor-client basis), charges, expenses, actions, proceedings, claims, demands, and other liabilities, whether foreseeable or not.

1.5 “Materials” means, collectively, all web pages, information and content on the Website, including the information, images, links, sounds, graphics, video, software, applications, articles, reports, projections, analysis and other such content displayed or made available on the Website and the functionalities or services provided on the Website.

1.6 “Password” refers to the valid password that a Client who has an account with Hippo may use in conjunction with the Username to access the relevant Website and/or Services.

1.7 “Personal Data” means data, whether true or not, that can be used to identify, contact or locate you, which may include your name, e-mail address, phone number, credit and financial information. “Personal Data” shall be deemed to include any data that you have provided to us, regardless of whether you have registered an account with us. You should review our Privacy Policy to understand how we may collect, use and/or disclose your personal data, whether with or without your consent.

1.8 “Privacy Policy” means the privacy policy set out at https://www.hippo.sg/privacy-policy/.

1.9 “Product” means a business financing product offered by Hippo to and/or applied by you on behalf of your company on the Website.

1.10 “Prohibited Material” means any information, graphics, photographs, data and/or any other material that:

(a) contains any computer virus or other invasive or damaging code, program or macro;

(b) infringes any third-party Intellectual Property or any other proprietary rights;

(c) is defamatory, libellous, or threatening;

(d) is obscene, pornographic, indecent, counterfeited, fraudulent, stolen, harmful, or otherwise illegal under the applicable law (including without limitation the provisions of the Singapore Broadcasting Authority (Class Licence) Notification 1996); and/or

(e) is or may be construed as offensive and/or otherwise objectionable, in our sole opinion.

1.11 “Services” means services, information and functions made available by Hippo to you on the Website.

1.12 “Submission” is as defined in Clause 9 of these Terms of Use.

1.13 “Terms of Use” means the recitals, Clauses 1 to 12 and any Schedules to these terms and conditions governing the Client’s use of the Website and/or Services and are set out at https://www.hippo.sg/terms-of-use.

1.14 “Trademarks” means the trademarks, service marks, trade names and logos used and displayed on the Website.

General use of Services and/or access of Website

2.1    Guidelines to the use of Website and/or Services: You agree to comply with any and all the guidelines, notices, operating rules and policies, and instructions pertaining to the use of the Services and/or access to the Website, as well as any amendments to the aforementioned, issued by us, from time to time. We reserve the right to revise these guidelines, notices, operating rules and policies, and instructions at any time without reference to you, including any term or condition under these Terms of Use, and you are deemed to be aware of and bound by any changes to the foregoing upon their publication on the Website.

2.2    General terms of use: You agree:

(a) to access and/or use the Website or the Services and to apply for and/or accept the Products only for lawful purposes and in a lawful manner at all times and further agree to conduct any activity relating to the Services or the Products in good faith; and

(b) to ensure that any information or data you provide to the Website in connection with the Services and/or the application of the Products is correct, current, and complete and agree to take sole responsibility for such information and data.

We reserve the right to cancel or reject any use of the Services or offering the Products at our sole discretion, including without limitation, where it deems that any transaction is fraudulent or suspects that it is fraudulent and to recover any Losses incurred from you.

2.3    Restrictions: Use of the Services and application for the Products is limited to authorised Clients that are of legal age, who have the legal capacity, and have the requisite authority to enter into and form contracts on behalf of their business entities (being private limited company and/or limited liability partnership) under any applicable law. Clients who have breached or are in breach of the terms and conditions contained herein and Clients who have been permanently or temporarily suspended from use of any of the Services may not use the Services even if they satisfy the requirements of this Clause 2.3.

2.4    Restricted activities: You represent, agree and undertake NOT to:

(a) impersonate any person or entity or to falsely state or otherwise misrepresent your affiliation with any person or entity;

(b) use the Website, Services or apply for and/or accept the Products for illegal purposes;

(c) attempt to gain unauthorized access to or otherwise interfere or disrupt other computer systems or networks connected to the Website or Services;

(d) post, promote or transmit through the Website or Services any Prohibited Materials;

(e) interfere with another Client’s utilization and enjoyment of the Website or Services;

(f) use or upload, in any way, any software or material that contains, or which you have reason to suspect that contains, viruses, damaging components, malicious code or harmful components which may impair or corrupt the Website’s data or damage or interfere with the operation of another Client’s computer or mobile device or the Website or Services; and

(g) use the Website or Services other than in conformance with the acceptable use policies of any connected computer networks, any applicable Internet standards and any other applicable laws.

2.5    Availability of Website, Services and/or Products: We may, from time to time and without giving any reason or prior notice, upgrade, modify, suspend or discontinue the provision of or remove, whether in whole or in part, the Website, Services or any Product, including for system and/or server maintenance, upgrading, or bug fixes. We may further deny or restrict access to the Website to any particular person, block access from a particular Internet Protocol address to the Website or suspend, cancel or delete your account, at any time, without ascribing any reasons whatsoever. We shall not be liable if any such upgrade, modification, suspension, removal, denial or restriction prevents you from accessing the Website or any part of the Services or applying for any of the Products.

2.6    Right, but not obligation, to monitor content: We reserve the right, but shall not be obliged to:

(a) monitor, screen or otherwise control any activity, content or material on the Website and/or through the Services. We may in our sole and absolute discretion, investigate any violation of the Terms of Use contained herein and may take any action it deems appropriate;

(b) prevent or restrict access of any Client to the Website and/or the Services;

(c) report any activity it suspects to be in violation of any applicable law, statute or regulation to the appropriate authorities, and to co-operate with such authorities; and/or

(d) to request any information and data from you in connection with your use of the Services and/or access of the Website at any time and to exercise our right under this paragraph if you refuse to divulge such information and/or data or if you provide or if we have reasonable grounds to suspect that you have provided inaccurate, misleading or fraudulent information and/or data.

2.7    Privacy Policy: Your use of the Services and/or access to the Website is also subject to Hippo’s Privacy Policy as set out at https://www.hippo.sg/privacy-policy. By accessing the Website, using the Services or applying for the Products, you are deemed to consent to our collection, use and disclosure of your Personal Data.

2.8    Additional terms: In addition to these Terms of Use, the use of specific aspects of the Services offered by us or our partners or designated sub-contractors may be subject to additional terms and conditions, which will apply in full force and effect.

Use of Services

3.1    Application of this Clause: In addition to all other terms and conditions of these Terms of Use, the provisions in this Clause 3 are the additional specific terms and conditions governing your use of the Services.

3.2    Loan Calculator:

(a) The Loan Calculator (the “Tool”) is an indicative tool and is meant to provide information and estimates of a general nature based on information provided by you.

(b) We do not guarantee the accuracy, adequacy, reliability or completeness of any information or computation or recommendation provided by the Tool.

(c) We shall not be liable or responsible for any errors, inaccuracies or omissions or for any loss or damages suffered by any person in connection with the use of or reliance on the Tool.

(d) The Tool does not and is not intended to provide any investment, legal, tax or accounting advice.

(e) Results from the Tool is not an indication that the product and/or service will automatically be offered by us and we reserve the right to change information or features of the Product and/or service listed at any time without notice.

(f) The Tool is the property of Hippo and is protected by applicable intellectual property laws. No reproduction, sale, publication, modification, dissemination or commercial exploitation the Tool or information provided by the Tool is permitted.

3.3    Third Party Vendors:

(a) Hippo may collaborate with other third party vendors through co-branding, or strategic partnerships or joint promotions, allow the third party vendor to offer its products, services, or software (“Third Party Vendor”) to Hippo’s Clients, under a non-transferrable, non-exclusive, non-sublicensable right to access and use the said products, services, software and/or website (the “License”).

(b) By utilising the License, you hereby agree to the Third Party Vendor’s terms and conditions of the License and its use, which for the avoidance of doubt shall be an agreement entered into directly and only between the third Party Vendor and the Client. Hippo shall in no way be liable for any fees and associated taxes that may be imposed by the Third Vendor on the Client in connection with the access and use of these products, services, software and/or website, which shall be the sole responsibility of the Client.

(c) These Terms of Use do not govern any disputes you may have with the Third Party Vendor in the course of marketing or offering any of the Third Party Vendor’s  products, services, software and/or the Website.

Cookies

4.1    A “cookie” is a string of information which assigns you a unique identifier that we store on your computer or mobile device. Your web browser then provides that unique identifier to use each time you submit a query to the website, thereby recording your navigation of the website. We use cookies on the website to, among other things, keep track of services you have used, record registration information, record your user preferences, keep you logged into the website, and track the pages you visit. Cookies help us understand how the website is being used and improve your user experience. You may alter the settings of your browser to prevent acceptance of cookies. Please note however, that by blocking or deleting cookies used on our site you may not be able to use the key site features, such as signing up, logging in, using the Services, applying for and/or accepting the Products. Cookies are used by nearly all websites and do not harm your system.

4.2    Other tracking technologies: In addition to cookies, we may use web beacons, pixel tags, and other tracking technologies on the website and/or mobile device application to help customize the Site and improve your experience. A “web beacon” or “pixel tag” is tiny object or image embedded in a web page or email. They are used to track the number of users who have visited particular pages and viewed emails, and acquire other statistical data. They collect only a limited set of data, such as a cookie number, time and date of page or email view, and a description of the page or email on which they reside. Web beacons and pixel tags cannot be declined. However, you can limit their use by controlling the cookies that interact with them.

4.3    How do we use cookies: We use “cookies” to: (1) monitor site user traffic patterns and site usage. This helps us to understand how our users use our websites so that we can develop and improve the design, layout and functionality of the sites; (2) to help save site login information; and (3) deliver a website that is optimised and customised to your preferences. Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

4.4    Cookies that we may use may include:

(a) Strictly necessary cookies: these cookies are essential to enable you to use the website effectively such as using the Tool, applying for Products and/or using other Services, and therefore cannot be turned off. Without these cookies, the services available to you on our site cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet.

(b) Security cookies: security cookies help identify and prevent security risks. We use these cookies to authenticate users and protect user data from unauthorized parties.

(c) Site management cookies: used to maintain your identity or session on the website so that you are not logged off unexpectedly, and any information you enter is retained from page to page. These cookies cannot be turned off individually, but you can disable all cookies in your browser.

(d) Session cookies: these are only stored on your computer during your web session. They are automatically deleted when the browser is closed. They usually store an anonymous session ID allowing you to browse a website without having to log in to each page. They do not collect any information from your computer.

(e) Persistent cookies: cookie stored as a file on your computer, and it remains there when you close your web browser. The cookie can be read by the website that created it when you visit that website again. We use persistent cookies for analytics and for personalisation cookies (see below).

(f) Personalization cookies: used to recognize repeat visitors to the website. We use these cookies to record your browsing history, the pages you have visited, and your settings and preferences each time you visit the website.

(g) Performance cookies: these cookies enable us to monitor and improve the performance of our website. For example they allow us to count visits, identify traffic sources and see which parts of the site are most popular. We also use Google analytics for this purpose and all information these cookies collect is aggregated and therefore remains anonymous. These cookies do not collect information that identifies a visitor, as all information these cookies collect is anonymous and is only used to improve how our site works.

(h) Analytics cookies: these cookies monitor how users reached the website, and how they interact with and move around once on the website. These cookies let us know what features on the website are working the best and what features on the website can be improved.

4.5.   How to reject cookies: If you don’t wish to receive cookies that are not strictly necessary to perform basic features of our site you may choose to opt out of them by selecting the appropriate box on the top right hand side of this page. Note that most web browsers will accept cookies, but if you would rather that we did not collect data in this way you can choose to accept all or some or reject cookies in your browser’s privacy settings. Rejecting all cookies means that certain features cannot then be provided to you and accordingly you may not be able to take full advantage of all our website’s features. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.

Intellectual property

5.1    Ownership: All rights, title and interest in the Intellectual Property in and to the Website including the information as well as any software programs available on or through the Website and the Materials are owned by, licensed to or controlled by us, our affiliates,  licensors, or our service providers. We reserve the right to enforce its Intellectual Property to the fullest extent of the law.

5.2    “AS IS” Basis: The use of the Website, its Services and applying and accepting the Products is at your own risk. Any and all Services, Products, and Materials on this Website are provided on “AS IS” and “AS AVAILABLE” basis and we makes no warranty of any kind, express or implied, as to the accuracy or completeness of any such content, services, data or information.

5.3    Restricted Use: No part or parts of the Website, or any Materials may be reproduced, reverse engineered, decompiled, disassembled, separated, altered, distributed, republished, displayed, broadcast, hyperlinked, mirrored, framed, transferred, or transmitted in any manner or by any means or stored in an information retrieval system or installed on any servers, system or equipment without our prior written permission or that of the relevant copyright owners. Subject to Clause 5.3, permission will only be granted to you to download, print, or use the Materials for personal and non-commercial uses, provided that you do not modify the Materials and that we or the relevant copyright owners retain all copyright and other proprietary notices contained in the Materials. Modification of any of the Contents or use of the Contents for any other purpose will be a violation of Hippo’s copyright and other intellectual property rights. Graphics and images on the Website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners.

5.4   Trademarks: The Trademarks are registered and unregistered trademarks of us or third parties. Nothing on the Website and in these Terms of Use shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use (including as a meta tag or as a “hot” link to any other website) any Trademarks displayed on the Services, without our written permission or any other applicable trademark owner.

copyright owners retain all copyright and other proprietary notices contained in the Materials. Modification of any of the Contents or use of the Contents for any other purpose will be a violation of Hippo’s copyright and other intellectual property rights. Graphics and images on the Website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners.

Content

6.1    The Website may contain third-party Materials, content, services, data or information and we do not endorse or accept any responsibility for the content of such third-party content, services, data or information. You are advised to conduct your own due diligence and if necessary, consult your own professional advisors.

6.2    This Website may contain links, plug-ins, or other connections or produce search results that reference links to third party websites (“Linked Site”). The inclusion of any Linked Site is not, and shall not be construed to imply, an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information, material, products, or services contained in or accessible through any Linked Site. We have no control over these Linked Sites or their content and do not assume responsibility or liability for any content, opinions, or materials available on Linked Sites. In no event shall we be responsible for the information contained on any Linked Site or your use of or inability to use any Linked Site. Access and use of Linked Sites, including the information, material, products, and services on Linked Site or available through any Linked Site, is solely at your own risk. We do not warrant that a Linked Site will be free of computer viruses or other harmful code that can impact your computer or other Web-access device. Your access and use of the Linked Sites are governed by the terms of use and privacy policies of the respective Linked Sites, and you are encouraged to carefully review all such terms and policies.

6.3    Save as otherwise explicitly stated, all contents provided on this Website are not advertisements and does not constitute or form part of any offer or solicitation to issue, sell, subscribe or purchase any investment nor shall it or the fact of its distribution form the basis of or be relied on in connection with, any contract for the same. The contents on the Website, including any data and/or commentary are strictly for information, illustration, reference or discussion purposes only and should not be construed as a recommendation to buy, sell or advice in relation to any investment product, legal or tax matters and do not purport to represent or warrant the outcome of any investment product, strategy program or product. Any research or analysis used to derive, or in relation to, the above information has been procured by us for our own use, without considering the investment objectives, financial situation or particular needs of any specific investor, including you, and may have been acted on for our own purpose. We do not warrant the accuracy, adequacy or completeness of the information herein and expressly disclaims liability for any errors or omissions. The information is given on a general basis without obligation and on the understanding that any person who may act upon or  rely on it, does so entirely at his or her own risk. Past performance is not indicative of future performance. Any projections or other forward-looking statements regarding future events or performance of investments, products or markets are not necessarily indicative of, and may differ from, actual events or results. We reserve the right to make changes and corrections to the information, including any opinions or forecasts expressed herein at any time, without notice. No reliance may be placed for any purpose on the information and opinions contained on the Website or their accuracy or completeness.

Warranties

7.1    You represent and warrant that you understand the risks associated with using the Website, the Services provided and the Products offered therein, and is in compliance with any applicable law in your respective jurisdiction. The Website is not directed or intended for any person who is a citizen, or resident of or located in any jurisdiction where the use of the Website, the Services provided therein or applying for the Products would be unlawful or contrary to applicable laws and regulation. You are solely responsible for verifying that the use of the Website is permitted in the jurisdiction where you reside in and comply with all applicable laws, regulations, orders and court decisions. If unsure, please consult independent legal advice.

7.2    You agree not to take any action that might compromise the security of the Website, render the Website inaccessible to others or otherwise cause damage to the Website or the content contained therein.

• You represent and warrant that all the information or data you provide to the Website in connection with the Services and/or the application of the Products is correct, current and complete.

Disclaimers

8.1    We and/or our related entities make no express or implied warranties, guarantees, representations or endorsements whatsoever with respect to the Website and the Materials contained therein, the Services provided and the Products offered.

8.2    We and/or our related entities expressly disclaim all warranties of any kind, express, implied, statutory or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, with regard to the Website and the Materials contained therein, the Services provided and the Products offered.

8.3    We do not warrant that the Website is free of errors or viruses, worms or “Trojan horses” or any other harmful, invasive or corrupted files on the internet, and is not liable for any damage you may suffer as a result of such destructive features. We also makes no warranty in respect of the security, reliability or continued and/or uninterrupted availability of the Website, the Services provided and the Products offered functions or services on this Website and assumes no liability for any delay or inability for you to access the Website or any part of the Services or applying for any of the Products.

8.4    We and/or our related entities do not make any express or implied warranties of any kind regarding the content, information and data contained in the Materials on the Website therein, including, without limitation, any warranty of merchantability or fitness for a particular purpose or use; and shall not be liable for any errors, incompleteness, interruption or delay in action taken in reliance therefrom or for any damages resulting therefrom.

8.5    To the fullest extent permitted by law in no event will we, our shareholders, directors, employees, officers, agents, affiliates, associates, subsidiaries and related entities be liable to any party or person for any damages or costs, including without limitation any indirect, consequential, special, incidental, or punitive damages arising out of, based on, or resulting from these Terms of Use or your use of the Website or any Service contained therein. You hereby agree to indemnify us, our shareholders, directors, employees, officers, agents, affiliates, associates, subsidiaries and related entities against all liabilities, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit and all interest, penalties and legal costs (calculated on a full indemnity basis) and all other professional costs and expenses suffered or incurred by us, our shareholders, directors, employees, officers, agents, affiliates, associates, subsidiaries and related entities.

8.6    Materials on the Website may include financial projections and forward looking statements. These forward-looking statements are based largely on the current expectations of the economy in general and are subject to a number of risks and uncertainties that may cause the results, level of activity, performance or achievement to be materially different from future results, level of activity, performance and achievement, expressed or implied, by such forward-looking statements.

8.7    Materials on this Website may also be based on, or derived from, information provided by industry sources or third parties. Neither us and/or our related entities, can guarantee the accuracy of such information; and has not independently verified such information.

8.8    The Services and Materials including any content, information and data made available on the Website including facts, views, advice, analyses, opinions and recommendations of individuals and organisations are for general reference and information purposes only. Any facts, views, advice, analyses, opinions and recommendations expressed or made available by any individual or organisation are those of the respective author(s). We and/or our related entities cannot and do not endorse, and cannot be responsible for such facts, views, advice, analyses, opinions and recommendations expressed, or advocate any commercial dealings in any securities, investments or classes of securities or investments nor does the inclusion of a link to other web site(s) or resources imply any form of endorsement by the us and/or our related entities.

8.9    We are not an advisor to tax, financial, business, accounting or regulatory matters in any jurisdiction recommendation regarding the suitability or quality of any investments on the Website. None of the advice, guidance, functions, Services or Products provided by us and/or on the Website or the information provided in connection with any offering shall be deemed, construed or interpreted as such and must not be relied upon as such.

Your Submissions and Information

9.1 Submissions by you: You grant us a non-exclusive licence to use the materials or information that you submit to the Website and/or provide to us, including but not limited to questions, reviews, comments, and suggestions (collectively, “Submissions”). When you post comments or reviews to the Website, you also grant us the right to use the name that you submit or your Username in connection with such review, comment, or other content. You shall not use a false e-mail address, pretend to be someone other than yourself or otherwise mislead us or third parties as to the origin of any Submissions. We may, but shall not be obligated to, publish, remove, or edit your Submissions.

9.2 Consent to Receive e-mails: You consent to and authorise the use by us of any information provided by you (including Personal Data) for the purposes of sending informational and promotional e-mails to you. Your agreement to the provisions of this Clause 10.2 shall constitute your consent for the purpose of the provisions of any spam control laws (whether in Singapore or elsewhere). You may subsequently opt out of receiving promotional e-mails by clicking on the appropriate hyperlink in any promotional e-mail.

9.3 Privacy Policy: You acknowledge that you have read and agree to the Privacy Policy at https://www.hippo.sg/privacy-policy and consent to our collection, use and disclosure of your Personal Data for the purposes as set out in the Privacy Policy.

Termination

10.1 Termination by us: In our sole and absolute discretion, we may with immediate effect upon giving you notice, terminate your use of the Website and/or Services and/or disable your Username and Password. We may bar access to the Website and/or Services (or any part thereof) for any reason whatsoever, including a breach of any of these Terms of Use or where if we believe that you have violated or acted inconsistently with any terms or conditions set out herein, or if in our opinion or the opinion of any regulatory authority, it is not suitable to continue providing the services relating to the Website.

10.2 Termination by you: You may terminate these Terms of Use by giving fourteen days’ notice in writing to us. Please note that termination of these Terms of Use may result in us not beng in a position to continue providing our Services or Products to you and/or your business. In such circumstances, should there be outstanding Products, the said Products may become immediately due and payable under the terms of the respective agreement.

Notices

11.1 Notices from us: All notices or other communications given to you if:

(a) communicated through any print or electronic media as we may select will be deemed to be notified to you on the date of publication or broadcast; or

(b) sent by post or left at your last known address will be deemed to be received by you on the day following such posting or on the day when it was so left.

11.2 Notices from you: You may only give notice to us in writing sent to our designated address or e-mail address, and we shall be deemed to have received such notice only upon receipt. While we endeavour to respond promptly to notices from you, we cannot guarantee that we will always respond with consistent speed.

11.3 Other Modes: Notwithstanding Clauses 11.1 and 11.2 we may from time to time designate other acceptable modes of providing notice (including but not limited to e-mail, SMS, or other forms of electronic communication) and the time or event by which such notice shall be deemed given.