COWPER LABS PRIVATE LIMITED – TERMS OF USE

Cowper Labs Private Limited is a private limited company duly incorporated under the provisions of the Companies Act, 2013, having its registered office at #502, Indraprastha Ruhe, Next to Fourpoints Hotel, Whitefield Main Road, Bangalore 560066, which specializes in offering a digital platform that helps you inculcate the habit of saving towards a set goal or aspiration under a brand name "Wizely" through its mobile application – Wizely ("App"). The website, www.wizely.in contains the information pertaining to the services offered on the App ("Website"). The access and use of the Website, App and other communications that you are offered hereunder constitute "Service/s'.

The conditions for use of the Services are documented in this document that is published in compliance of and is governed by: (1) the Indian Contract Act, 1872; (2) the Information Technology Act, 2000 ("IT Act"); (3) the rules, regulations, guidelines and clarifications framed under the IT Act, including the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 ("SPI Rules"); (4) the Information Technology (Intermediaries Guidelines) Rules, 2011, which apply to any access or use of the Services by a visitor or registered user; (5) the Companies Act, 2013 and rules made thereunder and (6) Regulations by the Reserve Bank of India (RBI) ("Terms of Use").

In these Terms of Use, references to "you", "your", "user" or "customer", "member" shall mean the end user accessing and using the Services. References to "Wizely", "we", "us" and "our" shall mean Cowper Labs Private Limited, its franchisor, affiliates and partners.

  1. Acceptance of Terms of Use

    PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING OR USING THE WEBSITE AND/OR MOBILE APPLICATION, YOU AGREE TO BE LEGALLY BOUND BY THE TERMS DESCRIBED HEREIN AND ALL TERMS INCORPORATED BY REFERENCE. WIZELY RESERVES THE RIGHT TO ALTER, AMEND AND MODIFY THESE TERMS OF USE AS REQUIRED BY LAW OR AT ITS SOLE DISCRETION. ALL SUCH AMENDMENTS AND MODIFICATIONS WILL BE DULY NOTIFIED TO YOU BY EMAIL AND ON THIS WEBSITE AND/OR THE APP. YOUR CONTINUED USE AND ACCESS OF OUR SERVICES AFTER WE PUBLISH THE CHANGES TO THESE TERMS OF USE MEANS THAT YOU HAVE CONSENTED TO THE UPDATED TERMS OF USE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, WE REQUEST YOU NOT TO ACCESS OR USE THE SERVICES. IF YOU WISH TO TERMINATE ACCESSING OR USING THE SERVICES AT ANY TIME, YOU CAN DO SO BY CLOSING YOUR MEMBERSHIP ACCOUNT AND NO LONGER ACCESSING OR USING OUR SERVICES.

    These Terms of Use were last updated on August 23, 2018.

  2. Context and Purpose

    1. The Services offered to you by Wizely are towards goal creation, savings and product redemption through the App which is created, developed and distributed by Wizely. You may browse the Website and view any articles or features of the Services being offered by us without registering your details. However, for the purpose of using the Services offered on the App, you shall register yourself in accordance with the requirements under this Terms of Use.
    2. The Services offered to you are for the specific purpose of your personal finance management and goal creation corresponding to the items on the catalogue enabling you to save in small increments, over a predetermined period of time of 3 (three) to 300 (three hundred) days (“Goal Duration”), up to Indian Rupees (INR) 100,000 (Rupees One Hundred Thousand only) (“Goal Limit”) or such limits as determined by Wizely from time to time.
    3. You can load your savings through secure online payment methods such as UPI, net banking, and through a domestic debit card or other payment gateway services (“Payment Source”). The electronic loading of monies shall be through above Payment Sources as regulated in India and shall be in INR only.
    4. Upon reaching the goal set by you, subject to the applicable conditions given below, you may opt to either purchase vouchers issued by us under cobranding arrangements with an entity from the catalogue hosted on our App (“Vouchers”) or request for a transfer of the funds ‘Back to Payment Source’ or such other bank account as may be designated by you to us.
    5. Owing to the constant business changes and/or the changes in the applicable laws, Wizely endeavors to change, upgrade or revise the Services it provides. Any such changes, upgradation or revision shall be done at such times and at such frequencies as determined by Wizely in its sole discretion. All such changes shall be updated on the Website/App.
    6. It is not intended by Wizely to provide you with any nature of certification, guarantee, warranty or professional advice. By accessing, browsing or using the Services, you acknowledge that you understand this limited use, and that you will not rely on the information and materials provided to you for any purposes except as they are intended. Use of our Services is not a replacement for personal, professional advice or assistance regarding your finances or credit history.
    7. If you intend to use the features available in respect of the Services, you shall make an informed decision about submitting your personally identifiable information. We shall take every reasonable effort to not share any of the personally identifiable information submitted by you to any third party, except as required under our business model, the RBI Regulations and other applicable laws or to the limited extent necessary for us to implement any payment instructions we receive from you or any membership account-closing refund-initiation to be carried out by us.
  3. Eligibility

    1. To register as a member on the App, you must be legally competent and a major (over 18 years of age) as per the laws of India. If you are not legally permitted to enter into a contract either due to your age or any other reason then, you are not permitted to utilise the Services, and the membership to the App is void where prohibited.
    2. By using the website/mobile application, you represent and warrant that you have the right, consent, authority, and legal capacity to enter into these Terms of Use and that you are not prohibited or prevented by any applicable law for the time being in force or any order or decree or injunction from any court, tribunal or any such competent authority restraining you from entering into these Terms of Use.
    3. If at any time, we are of the opinion in our sole discretion or have any reason to believe that you are not eligible to use the Services or that you have made any misrepresentation, we reserve the right to forthwith terminate your membership and/or your right to avail of the Services and refund the monies paid by you.
  4. Registration and Use

    1. Subject to the eligibility criteria set out above, Wizely reserves the membership and rights ofadmission to the Services.
    2. We expect that you shall complete the online registration process by furnishing true, accurate, up-to date and complete personal information including your name as per your bank record, a valid phone number, valid and functional email address and any other additional information that the RBI Regulations may prescribe to be necessary to satisfy Know Your Customer norms ("KYC") or other information as we may deem necessary ("Registration Information"). You understand and agree that Wizely reserves the right to take all steps necessary to ensure compliance with all applicable KYC and legal requirements, when required.
    3. You shall bear in mind we and our automated system solely rely on the Registration Information provided by you so as to provide efficient and effective services to you, and we bear no liability for any false, incomplete, dated or incorrect Registration Information provided by you.
    4. In the event of any change in the Registration Information provided by you, you agree to promptly and duly update the said information so as to ensure that the communications we intend to send to you are promptly delivered to you and are not sent to any other entity/third party. You may change your registered mobile number associated with your membership Account through the profile section on the App.
    5. During the registration process, you authorise us to access one-time password (OTP) SMS from Wizely to enhance your Service experiences.
    6. Please read our Privacy Policy, which also governs your visit and use of the Website/ App, to understand our practices.
    7. In the event of your becoming aware of any unauthorised access or misuse of your membership account/information, you shall forthwith notify Wizely at contactus@wizely.in. Wizely will be not liable for any loss or damage arising from your failure to comply with this requirement.
  5. Other Terms of Use by Members

    1. You expressly agree that the usage of the Services may be monitored, tracked and recorded. We reserve the right in our sole discretion to review the activity and status of each membership account and block the membership account based on such review, if need be.
    2. As long as you are a registered member of the App, you hereby confirm that you do not have any objection to receiving communications from us and/or other members of the App. This consent extends to emails, SMS, other texting service messages or telephone calls relating to phone number verification, the provision of Services, related inquiries and promotions. You confirm that the content and information including the personal information provided by you are correct and accurate. In addition, you will ensure that the name provided by you at the time of registration is as per your bank records. This information will be verified at the time you want to take the savings back to your bank account.
    3. You are strictly prohibited from unauthorised use of the Services, including unauthorised entry into our systems, misuse of passwords, or misuse of any information posted to the Website/App or other communications made to you. We reserve the right to take immediate steps as deemed appropriate in our sole discretion in order to protect the Website/App and/or our other customers/members against any abuse/misuse.
    4. We reserve the right to screen communications that you may make/upload/publish and also regulate the same by deleting unwarranted/abusive communications/advertisements at any time at our sole discretion without prior notice to you.
    5. As a member of the App, you are expected to exercise precautions for your own privacy and safety.
    6. We may share information with third parties who perform services on our behalf. We share information with our vendors who help us manage our online registration process or payment processors or transactional message processors. Some vendors may be located outside of India. We may share information with third parties and or business partners who fulfill purchase and/or financial obligations. Such third parties may use the information we give them as described in their privacy policies. We are not responsible for these third-party websites/privacy policies. We encourage you to read the privacy policies of such other third party websites carefully.
    7. We may collect and use your geographic location data for the purposes of Goods and Services Taxes, if applicable and to personalize and improve the Services provided to you.
  6. Membership Account, Password and Security

    1. You will receive an account designation or identification (ID) and password upon completing the registration process on the App. You are responsible for maintaining the confidentiality of the ID, e-mail address, password and membership account and you are fully responsible for all activities that occur under your password or membership account.
    2. You agree to: (a) immediately notify us of any unauthorised use of your password or account or any other breach of security, and (b) ensure that you logout from your membership account at the end of each session or each use. We shall not be liable for any loss or damage arising from your failure to comply with these requirements.
    3. You understand that your right to access and use the Services offered is personal to you and is not transferable by you to any other person or entity. Further, you shall not sell, transfer or assign your membership account to anyone else.
  7. Closure of Savings Wallet/Membership Account and Refund Process

    1. You may, at your sole option, close the savings wallet or the membership account at any time. You may opt to either purchase a Voucher or transfer the money stored through the App at the time of closure, subject to you complying with the extant KYC requirements on such terms and conditions detailed below as may be applicable.
    2. In the event of you closing the savings wallet or your membership account, you will be prompted to declare the following: "I, (Legal name), hereby authorize Wizely to close my membership account and/or the savings wallet and refund the balance money to the registered bank account. I declare that the bank account number registered with Wizely belongs to me."
    3. Voucher Redemption Terms:

      1. CIf you opt to exercise the option to purchase from the catalogue which lists various brand Vouchers, we shall initiate a request for the purchase of the Voucher and we shall send a digital Voucher of such opted corresponding value to your registered email address.
      2. The maximum validity of a Voucher shall be subject to the terms and conditions as applicable and specified by third-party websites issuing such Vouchers and you shall be entitled to redeem the same within such period.
      3. You expressly understand that we are not and shall not be a domestic remittance service and as such you will be entitled to redeem and/or cause to be redeemed the Voucher for cash or seek a cash-out, or refund or fund transfer on such Vouchers.
      4. The Vouchers are not and shall not be a legal tender.
      5. The Vouchers shall not be reloadable.
      6. The Vouchers can be redeemable subject to terms and conditions as applicable and specified in third-party websites issuing such Vouchers.
    4. 'Back to the Source' Terms

      1. If you opt to transfer the funds 'back to the source' (payment source from which the monies were loaded on the App) or to your own bank account, we shall initiate the same subject to the terms and conditions set forth herein.
      2. Prior to the initiating the transfer, we reserve the right to take all necessary steps necessary to ensure that transfer is being made to correct user through verification of the username.
      3. In case of a name mismatch, upon intimation by us, you shall submit such documents for identification proof (for example, copy of driver’s licence, bank statement or telephone bill) as may be available. Subject to a complete name match with the identification proof, we shall initiate the refund.
      4. In the event you are unable to provide the identification proof as is requested, you shall be given an option to purchase Voucher.
      5. Based on the Payment Source used by you, the following conditions shall apply:
        1. Unified Payment Interface (UPI):

          1. Subject to the complete name match through the UPI ID function, we shall initiate a refund to the source UPI ID used by you at the time of loading your membership account with your savings.
          2. In the event your membership account contains multiple UPI IDs, you shall duly identify to us one of the active UPI IDs so as to confirm the UPI ID to which such refund is to be transferred by us.
          3. In the event your UPI ID is not active, we shall ask you to submit details of a valid UPI ID. Based on such details shared, we shall carry out the validation process before we initiate the refund.
        2. Debit Card or Net Banking or a combination of both:

          1. Subject to the complete name match through the ‘penny drop’ function, we shall seek details of your bank account such as your bank account number and the IFSC Code, or such other information as may be necessary to initiate the refund back to your bank account.
          2. Wizely shall ensure all data pertaining to the transactions, bank account details and other sensitive personal information provided to us are protected and kept confidential by employing adequate security standards as stated in our Privacy Policy.
        3. Combination of the any of above Payment Sources:

          1. You shall be provided with the options to choose either the UPI ID or your bank account for the refund to be effected by us.
          2. The applicable terms and conditions shall apply to the option exercised.

      6. Wizely reserves the right to impose charges or charge a commission upon any amounts loaded upon the App. You expressly agree to pay the service charges prescribed by Wizely in the form and manner prescribed for such payment (“Service Charges”). Wizely may at its discretion, change, amend, increase, or reduce the Service Charges with prior intimation.
    5. Automatic Redemption Terms

      1. In the event of your failure to exercise the above redemption options upon the lapse of the Goal Duration or upon the achievement of the Goal Limit, within a period of 60 (sixty) days from such date, we shall reserve the right to take all steps necessary to ensure that you either redeem the Vouchers or receive the refund as applicable.
      2. In the event of your failure to take the savings back within 10 (ten) days after the lapse of the Goal Duration, we shall take reasonable endeavors to communicate to you 3 (three) times during the subsequent 50 (fifty) days via email and SMS, requesting you to use the money saved towards the goal.
      3. In the event there is no response or action from you within 2 (two) weeks from the third attempt, we shall automatically redeem the amount saved to a Voucher of the equivalent value. The Voucher shall be forwarded to your registered email address and notified through SMS and updated on our system.
      4. Upon such automatic redemption, you shall not be entitled to an option of cancelling the Voucher or request the money back.
  8. Proprietary Rights

    1. Cowper Labs Private Limited owns and retains all proprietary rights in the Website and the App. The Website/App contains the copyrighted material, trademarks, and other proprietary information of www.wizely.in , and its licensors.
    2. Except for that information which is in the public domain or for which permission has been expressly obtained from the user, you cannot copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information. Any such act or an attempted act on your part shall constitute a violation of these Terms of Use and your membership is liable to be terminated forthwith by us without refund of your monies. We reserve the right to take legal action (civil and/or criminal) wherever applicable for any known violations.
  9. Content Posted on the Website/ App

    1. You understand and agree that Wizely may delete any listing, content, communication, photographs or profiles (collectively, "Content") that in its sole judgment violates any of these Terms of Use or which may be offensive, illegal, or that may violate the rights, harm, or threaten our safety or the safety of other customers or users.
    2. Wizely does not control the Content posted through the Website/App and does not guarantee the accuracy, integrity or quality of such Content. Under no circumstances shall Wizely be liable in any manner for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available through the Website/App.
    3. By posting Content or advertising in any public area of the Website/App, you shall automatically grant, represent and warrant that you have the right to grant to Wizely, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, copy, perform, display, and distribute such Content and to prepare derivative works of, or incorporate into other works, such Content, and to grant and authorize sublicenses of the foregoing.
    4. The following is an indicative list of the kind of Content that is illegal or prohibited on the Website/App. Wizely will investigate and take appropriate legal action in its sole discretion against anyone who violates these Terms of Use, including without limitation, removing the offending Content from the Website/App and terminating the membership of such violators without a refund of any monies. Illegal and prohibited Content includes Content which:
      1. is blatantly offensive to the community, such as Content that promotes racism, gender bias, bigotry, hatred or physical harm of any kind against any group or individual;
      2. harasses or advocates harassment of another person;
      3. involves the transmission of "junk mail", "chain letters" or unsolicited mass mailing or "spamming";
      4. promotes information that you know is false, misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous;
      5. promotes an illegal or unauthorized copy of another person's copyrighted work, such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files;
      6. contains restricted or password-only access pages, or hidden pages or images (those not linked to or from another accessible page);
      7. displays pornographic or sexually-explicit material of any kind;
      8. provides material that exploits persons under the age of 18 in a sexual or violent manner, or solicits personal information from anyone under 18 years of age;
      9. provides instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses;
      10. solicits passwords or personal identifying information for commercial or unlawful purposes from other users; and
      11. engages in commercial activities and/or sales without our prior written consent such as contests, sweepstakes, barter, advertising, and pyramid schemes.
    5. You expressly agree to use the Website/App and/or the Services in a manner consistent with any and all applicable local, state, and federal laws, rules and regulations.
  10. Copyright Policy

    You shall not post, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining the prior written consent of the owner of such proprietary rights.

  11. International Use

    Although the Website/App may be available worldwide, Wizely make no representation that materials on the Website/App are appropriate for use in locations outside India or that the Website/App complies with any other country’s privacy laws. Accessing the Website/App or materials from territories where the content is deemed illegal is prohibited. If you access the Website/App from locations outside of India, you shall do so on your own initiative and will be responsible for compliance with the applicable local laws. Any offer for any product, service, and/or information made in connection with the Website/App is void where prohibited.

  12. Disclaimers

    1. We are not responsible for any incorrect or inaccurate Content/listing posted on the Website/App or in connection with the Service, whether caused by users, members or by any of the equipment or programming associated with or utilized in the Service, nor for the conduct of any user and/or member whether online or offline.
    2. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure, theft or destruction or unauthorized access to, or alteration of user and/or member communications or any communications by us to any members.
    3. We are not responsible for any problems or technical malfunction of any communication network or lines, computer on-line systems, servers or providers, computer equipment, software or failure of email on account of technical problems or traffic congestion on the internet or at any website or combination thereof, including injury or damage to users and/or members or to any other person's computer related to or resulting and/or in connection with the Website/App or any of its Services.
    4. The Website/App and the Service are provided "AS-IS" and Wizely expressly disclaims any warranty of fitness for a particular purpose or non-infringement. We cannot guarantee and do not promise any specific results from use of the Website /App and/or the Service.
    5. We expressly disclaim any liability or responsibility whatsoever and howsoever arising as a result of any Content/listing posted, illegal or otherwise, by any members, users or third party or otherwise, on the Website/App made available to any members or the users of the Website/App or any third party.
    6. The Website/App may provide or contain links to other websites or resources. The responsibility for the operation and content of those websites rest solely with the organisation identified as the controlling entity of the third-party website and will be governed by separate terms and conditions. Links are provided for convenience only and inclusion of any link does not, in any manner, imply endorsement of the website to which it links. We shall not assume any responsibility in respect of the accuracy of such information or data maintained by such third parties in respect of updating, deletion, non-delivery or failure to store data, communications etc. You agree that Wizely shall not be liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party website or resource.
    7. All liability, whether civil or criminal arising out of any Content that is posted on the Website/App will be of that member/user/third party who has posted such Content and we reserve the right to claim damages from such member/user/third party that we may suffer as a result of such Content posted on the Website/App. We do not claim ownership of Content you submit or make available for inclusion on the Website/App.
  13. No Warranties

    Wizely disclaims any and all warranties or fitness for a particular purpose, merchantability oragainst infringement. In no event will Wizely or its directors, officers or employees be liable for any damages or losses, including without limitation, indirect, consequential, special, incidental or punitive damages resulting from or caused by the Website and/or the App, its contents or any errors or omissions in its contents, even if advised of the possibilities of such damages.

  14. Limitation of Liability

    Under no circumstances and under no legal theory, tort, contract, or otherwise, shall Wizely or its directors, officers or employees be liable to the member, customer, user or any other person for any indirect, special, incidental, or consequential damages of any character including, without limitation, damages resulting from the use of or the inability to use the Website and/or the App, or damages for loss of goodwill, business profit, business stoppage, loss of data or business information, computer damage, or damages resulting from unauthorized access to or changes made to customers data, or any and all other commercial damages or losses. In no event shall the liability of Wizely and its subsidiaries and affiliates exceed, in the aggregate, an amount of INR 1000.

  15. Indemnity

    You agree to indemnify and hold Wizely its subsidiaries, affiliates, directors officers, agents and employees, fully indemnified and harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your use of the Website and/or the App or its Service in violation of these Terms of Use and/or arising from a breach of these Terms of Use and/or any breach of representations and warranties set forth above and/or any fraudulent act on your part.

  16. Jurisdiction

    If you choose to visit or use the Website/App, your visit, use and any dispute over any terms is subject to these Terms of Use. Any disputes arising out of these Terms of Use and the Website/App shall be governed by the laws of India and the courts of Bengaluru (Bangalore), India shall have the exclusive jurisdiction.

  17. Grievance Officer

    In accordance with Information Technology Act, 2000, and Rules made thereunder, the name and contact details of the Grievance Officer are provided below, with the word "[GRIEVANCE]"" as the subject line:

    The Grievance Officer,

    #502, Indraprastha Ruhe Next to Fourpoints Hotel Whitefield Main Road Bangalore 560 066

    Email: grievance.officer@wizely.in

    If you have any questions about this Policy or other privacy concerns, you can also email us at

    contactus@wizely.in

  18. Term and Termination

    1. You may terminate your membership at any time, for any reason by writing to us at contactus@wizely.in.
    2. We may terminate your access to the Website/App and/or your membership upon sending notice to you at the email address as provided by you during registration on the App or such other email address as you may provide to us at any time for any reason including but not limited to the following:
      1. for any suspected violation of the rules, regulations, orders, directions, notifications issued from time to time by RBI or for any violation of these Terms of Use or any law for the time being in force;
      2. to combat potential fraud, sabotage, willful destruction, threat to national security or for any other force majeure event; or
      3. if Wizely believes, in its reasonable opinion, that cessation/suspension is necessary for any other legitimate purpose.
    3. If we terminate your membership for breach of terms of these Terms of Use, you will not be entitled to any refund of any monies.
    4. Upon termination/suspension of your membership, your right to use or access the Website/App or the Services may cease. All provisions of these Terms of Use that by their nature should survive termination shall survive termination, including, without limitation, disclaimers, indemnity and limitations of liability. Termination of your access to and use of the Website/App shall not relieve you of any obligations arising or accruing prior to such termination.
  19. Miscellaneous

    1. Settlement of disputes: The Terms of Use shall be governed by the laws of India. All disputes arising under these Terms of Use shall be attempted to be resolved through negotiations. All claims and disputes arising under the Terms of Use should be notified to Wizely within 30 (thirty) working days from the event date after which you shall have any claim against Wizely.
    2. Wizely or its parent Wizely, Inc. shall have the right to transfer, assign and sell in any manner, in whole or in part, the program to any third party of its choice without reference or intimation to you.
    3. Your enrollment and eligibility, the redeemable savings, availability of products and services in the redemption catalogue are subject to the terms and conditions specified herein and are subject to any applicable laws and regulations.
    4. Wizely reserves the right to terminate the Services, by giving 30 (thirty) working days’ notice to you.
    5. Upon termination or withdrawal of the Services, you will be given 30 (thirty) working days’ time within which you may redeem your savings towards a goal or cancel the goal and get a refund of the monies net of any convenience fee.
    6. You shall expressly acknowledge, represent and warrant that you are the sole and exclusive owner of your enrollment with the Services and the only authorized customer of the enrollment details. You also accept the sole responsibility to keep such enrollment details confidential. You shall be responsible for all the transactions and other activities that take place under your membership account (like profile changes, address change, etc.).
    7. Wizely will not ask for you for your password and other details through any e-mail or SMS. Please be aware of spam mails and phishing and do not share your Registration Information with anyone appearing to be coming from unauthorized sources.
  20. Acceptance to abide by Terms of Use

    I hereby agree and state that I have read all the Terms of Use mentioned on the Website/App and I undertake to comply with all the terms that apply or may apply to use the Website/App. I warrant and agree that I will not use the Website/App in any manner prohibited by the Terms of Use. I also acknowledge that a violation of the Terms of Use set forth herein may result in annulment of my access to the Website/App and/or legal action may also be taken.

    Please also refer to our privacy policy