PLEASE READ THESE TERMS CAREFULLY BEFORE CONTRIBUTING
These Terms form a legally binding electronic agreement between you and Ardenturn Limited.
1.1 These Contributor Terms and Conditions constitute an agreement between:
1.2 “ComOpp” is the trade name, product name and digital platform operated by Ardenturn Limited. ComOpp is not a separate company, partnership or legal person.
1.3 A reference in these Terms to an act, decision, right or obligation of ComOpp means an act, decision, right or obligation of Ardenturn Limited in its capacity as operator of the Platform.
1.4 These Terms apply whenever you create or use a contributor account or submit, upload, verify, correct, classify, annotate or otherwise provide a Contribution through the Platform.
1.5 These Terms apply only from the time you accept them and, unless you separately agree otherwise in writing, do not retrospectively govern a Contribution submitted before your acceptance.
1.6 A shareholder, director, employee, contractor, service provider, customer, partner, affiliate or purchaser of the Operator is not a contracting party merely because that person assists with, supplies, finances, receives services from or acquires the Platform.
1.7 Where a provision expressly protects a director, employee, Group Company, contractor, professional adviser or service provider of the Operator, the Operator contracts for itself and, to the extent legally permissible, as agent and trustee for that protected person.
2.1 In these Terms, unless the context otherwise requires:
“Account Data” means Personal Data and other information collected primarily to register, administer, authenticate or secure a contributor account.
“Business Day” means a day other than a Saturday, Sunday or public holiday in Ogun State, Nigeria.
“Contribution” means information or material intentionally submitted through an approved Platform submission function, including product, price, stock, supplier, business, location, market, transaction, review, verification or observational information and accompanying text, photographs, audio, documents or annotations.
“Contribution Data” means factual information contained in a Contribution, including names, prices, dates, quantities, categories, product details, business details, locations, market observations and verification results.
“Contributor-Created Material” means original text, photographs, audio, annotations, descriptions, classifications, selections or arrangements created by you specifically for a Contribution.
“Device Data” means technical and security information relating to the device, browser, application or network used to access the Platform.
“Group Company” means a company that directly or indirectly controls, is controlled by or is under common control with Ardenturn Limited, where “control” means the power to direct management or policies through voting rights, contract or otherwise.
“Location Data” means GPS coordinates, Plus Codes, approximate location, timestamps and related information used to establish or verify where a Contribution was made or observed.
“Personal Data” has the meaning given under applicable Nigerian data-protection legislation and includes information relating to an identified or identifiable individual.
“Platform” means the ComOpp website, mobile application, contributor portal, application programming interfaces and related contributor services operated by Ardenturn Limited.
“Privacy Notice” means the current ComOpp privacy notice made available through the Platform, as amended in accordance with applicable law.
“Protected Parties” means the Operator’s Group Companies and their respective directors, officers, employees, authorised contractors, service providers and professional advisers, but only to the extent relevant to the provision in which the expression is used.
“Reward Notice” means a written or electronic reward offer issued or expressly approved by the Operator for a specified Contribution or activity and containing the applicable eligibility, verification, vesting, redemption and cancellation rules.
“Sensitive Personal Data” has the meaning given under applicable Nigerian data-protection legislation.
“Source Material” means a pre-existing receipt, invoice, stock record, photograph, business document, database extract or other material that was not created specifically for ComOpp.
“Terms” means these ComOpp Contributor Terms and Conditions, including any material amendment that you validly accept.
2.2 Expressions such as “data controller”, “data processor”, “processing”, “profiling” and “automated decision-making” have the meanings given under applicable data-protection law where used in that context.
3.1 You accept these Terms only when you:
3.2 Account creation, browsing, silence, inactivity or the mere availability of these Terms will not, by itself, constitute acceptance.
3.3 Your electronic acceptance constitutes your electronic signature and records your intention to be legally bound.
3.4 The Operator may create and retain an electronic acceptance record showing:
3.5 For each Contribution, the Platform’s electronic receipt or acknowledgement constitutes the Operator’s electronic acceptance of the rights granted or assigned in respect of that Contribution, to the extent recipient acceptance or signature is legally required.
3.6 You may download these Terms and may request an electronic copy of the version applicable to your Contributions.
4.1 You must be at least 18 years old, have legal capacity to contract and not be prohibited by law from using the Platform.
4.2 You must provide accurate and current registration information, protect your login credentials and promptly notify the Operator if you suspect unauthorised account access.
4.3 You must not:
4.4 You are responsible for activity through your account only to the extent that it resulted from your fraud, deliberate disclosure of credentials or failure to take reasonable security precautions.
4.5 Unless your account is expressly registered and approved as an organisational account, you enter these Terms personally and do not purport to bind your employer, shop, customer or another organisation.
4.6 Where you submit a Contribution owned or controlled by an organisation, you represent and warrant that:
4.7 The Operator may require the organisation itself to accept separate organisational contributor terms before accepting proprietary, confidential, high-volume or commercially significant information.
4.8 No purported submission transfers rights that you did not own or have authority to transfer.
5.1 Each time you submit a Contribution, you represent and warrant, as at the time of submission, that:
5.2 A warranty stated to be “to the best of your knowledge” requires an honest belief based on reasonable checks appropriate to the nature of the Contribution. It does not require you to guarantee a fact that could not reasonably be verified.
5.3 You must promptly use the designated correction function or contact the Operator if you discover that a material part of a Contribution was false, inaccurate, unauthorised, misleading or submitted to the wrong business, product or location.
5.4 You must not delete, alter or fabricate supporting records after receiving a verification or dispute notice.
5.5 Where a Reward Notice requires supporting evidence, you must preserve that evidence for the reasonable period stated in the Reward Notice.
5.6 The Operator may correct, restrict or withdraw affected information after receiving a credible correction without thereby admitting liability.
6.1 You must never submit:
6.2 You must not submit any of the following unless the Platform specifically requests it for a stated lawful purpose through a separately approved collection process:
6.3 A request by the Operator does not make an otherwise unlawful disclosure lawful. You must still have authority, a lawful basis and any required consent.
6.4 Before uploading a receipt, invoice, stock sheet, photograph or other document, you must securely obscure personal names, telephone numbers, signatures, home addresses, account details, payment references and other Personal Data not expressly required by the Platform.
6.5 Redaction must be irreversible in the uploaded copy. Merely placing a removable digital layer over information is insufficient.
6.6 The Operator may reject, quarantine, restrict, redact or securely delete prohibited information without treating it as an eligible Contribution.
7.1 You must collect information lawfully, ethically and safely.
7.2 You must not, for the purpose of making a Contribution:
7.3 You must immediately stop a collection activity where continuing would be unlawful, unsafe or likely to cause confrontation.
7.4 The Operator does not require you to place yourself or another person at risk in order to complete a Contribution.
8.1 The Operator may verify Contributions using Location Data, timestamps, Source Material, account history, duplicate detection, statistical analysis, third-party information, automated systems and human review.
8.2 The Operator may:
8.3 Where the Operator substantively alters the meaning of a Contribution, it will retain an internal record of the original submission. Your warranties apply to the Contribution as originally submitted and not to a material alteration independently made by the Operator.
8.4 Approval by an automated or human system does not constitute a warranty that a Contribution is correct and does not prevent later correction where credible contrary evidence arises.
8.5 The Operator may calculate an internal reliability or confidence score using factors reasonably connected with contribution quality, including verified accuracy, duplication, timeliness, consistency, location verification, successful challenges and substantiated fraud indicators.
8.6 A reliability score must not be based on unlawfully discriminatory factors or Sensitive Personal Data unless expressly permitted by law and necessary for a stated lawful purpose.
8.7 The Privacy Notice will explain the material categories of Personal Data used for profiling, the purpose, recipients, principal consequences and applicable rights.
8.8 Where applicable law gives you a right not to be subject to a decision based solely on automated processing that produces legal or similarly significant effects, the Operator will provide meaningful human review and a reasonable opportunity for you to state your position.
8.9 A reliability score is an internal risk and quality indicator and will not be publicly represented as an allegation of dishonesty or criminality.
8.10 Except where disclosure would prejudice fraud prevention, security, another person’s rights or a lawful investigation, the Operator will provide a brief reason for:
8.11 You may request internal review within 14 days after receiving the decision. Where reasonably practicable, a person who did not make the original decision will conduct the review.
9.1 Your account, activity and Contributions do not give you:
9.2 As between you and the Operator, all intellectual-property and proprietary rights in the Platform, source and object code, ComOpp name and logos, interface, designs, documentation, algorithms, taxonomies, verification methods, analytics, business methods, databases, datasets, reports and products created by or for the Operator belong to the Operator or its licensors.
9.3 Clause 9.2 does not give the Operator ownership of:
9.4 Subject to these Terms, the Operator grants you a limited, revocable, non-exclusive and non-transferable right to access and use the contributor functions of the Platform for their intended purpose.
9.5 Except to the extent mandatory law expressly permits and does not allow contractual restriction, you must not copy, reverse-engineer, circumvent, commercially exploit or create a competing service from protected parts of the Platform.
10.1 In consideration of access to the Platform, the Operator’s processing and verification services, the opportunity to participate in applicable reward programmes and other good and valuable consideration, the receipt and sufficiency of which are acknowledged, the rights in this clause are granted separately for each Contribution when that Contribution is submitted and electronically acknowledged.
10.2.1 To the extent permitted by law, you assign to the Operator, with full title guarantee, all transferable economic rights and rights of commercial exploitation in the Contributor-Created Material contained in each Contribution for the full period of those rights, including renewals, revivals and extensions, throughout the world.
10.2.2 The assignment is a present assignment of existing rights and, to the extent legally permissible, an assignment of future rights that takes effect immediately when the relevant rights arise.
10.2.3 The assigned rights include the rights to:
10.2.4 If an assignment under this clause is invalid, ineffective or insufficient in a particular jurisdiction, you grant the Operator an exclusive, perpetual, irrevocable, worldwide, fully paid, royalty-free, transferable and sublicensable licence to exercise the affected rights to the maximum extent permitted by law.
10.3.1 You do not assign ownership of Source Material that existed before submission or is owned by another person.
10.3.2 To the extent that you are legally authorised to do so, you grant the Operator a worldwide, perpetual, irrevocable, fully paid, royalty-free, transferable and sublicensable licence to reproduce, store, host, verify, redact, extract information from, analyse and use Source Material for:
10.3.3 The Operator will not publicly distribute an unredacted source receipt, invoice or confidential business record unless the relevant owner has expressly authorised publication and the Operator has a lawful basis to disclose all information contained in it.
10.4.1 Facts and public information are not treated as being owned by you merely because you submitted them.
10.4.2 To the extent any permission is legally required, you grant the Operator unrestricted, perpetual, irrevocable, worldwide, fully paid, royalty-free, transferable and sublicensable permission to collect, verify, correct, reproduce, combine, analyse, publish, distribute and commercialise Contribution Data.
10.5.1 The Operator is not required to identify or credit you in connection with a Contribution unless a Reward Notice or separate written agreement states otherwise.
10.5.2 To the extent permitted by law, you consent to:
10.5.3 Nothing in these Terms purports to transfer a moral right that cannot legally be transferred or authorise treatment that cannot legally be consented to.
10.6.1 The assignment includes, to the extent legally transferable, the right to bring, defend, settle and recover remedies for infringement occurring after the assignment.
10.6.2 You will provide reasonable assistance, at the Operator’s cost, in documenting, perfecting or enforcing the rights granted under this clause. If you fail to execute a reasonably required confirmatory document after written request, you irrevocably appoint the Operator as your attorney solely to execute that confirmatory document on your behalf to the extent permitted by law, provided the document does not expand the substantive rights already granted by these Terms.
10.7.1 Nothing in these Terms prevents you from:
10.7.2 You must not reproduce, sell, license or distribute:
10.7.3 Independently observed prices, addresses, product names and other factual information are not restricted merely because equivalent facts were previously submitted to the Platform.
10.8.1 This clause does not transfer ownership of Personal Data, waive a data subject’s statutory rights or constitute the legal basis for every processing activity.
10.8.2 Personal Data will be processed only in accordance with applicable law, clause 15 and the Privacy Notice.
11.1 Contribution Data intended by the Platform for public display, including business names, public locations, product descriptions and publicly offered prices, may be published, combined and commercialised in accordance with these Terms.
11.2 The Operator will treat the following as non-public Source Material unless expressly designated otherwise:
11.3 The Operator may use non-public Source Material internally and disclose it to personnel, professional advisers and service providers who reasonably need access and are subject to appropriate confidentiality and data-protection obligations.
11.4 The Operator may disclose non-public Source Material where:
11.5 The Operator does not undertake to keep public facts, lawfully obtained public records, anonymised data or independently received information confidential.
11.6 You must keep confidential any non-public information concerning the Operator’s source code, security controls, fraud-detection methods, unreleased products, restricted reward-verification logic or business operations that you obtain through restricted access.
11.7 This clause does not prevent a lawful protected disclosure to a regulator, court or competent authority, or the exercise of a non-waivable whistleblowing right.
12.1 You participate as an independent contributor and not as an employee, worker, agent, partner, franchisee, fiduciary, representative or joint venturer of the Operator.
12.2 Except under a separate written agreement:
12.3 A specific Reward Notice may create a contract for the particular qualifying task described in that notice but does not, without more, create an employment relationship.
12.4 You must not:
12.5 Nothing in these Terms excludes any employment, tax, pension, social-security or other status that mandatory law applies based on the parties’ actual relationship.
13.1 The Operator is not required to:
13.2 Submitting information does not, by itself, create a debt or payment obligation.
13.3 A Reward Notice should identify:
13.4 A reward is “Pending” while stated verification, fraud-review, eligibility or redemption conditions remain incomplete. A Pending reward is conditional and is not yet payable.
13.5 A reward “Vests” when:
13.6 Once vested, a cash reward or other definite benefit may not be retrospectively cancelled except:
13.7 The Operator may place a Pending reward on hold during a genuine investigation but will complete the investigation within a reasonable period and provide a decision in accordance with clause 8.
13.8 Reward-programme amendments apply prospectively and do not reduce a reward that vested before the amendment.
13.9 Unless a Reward Notice expressly states otherwise, points:
13.10 A competition, random draw, lottery-like promotion or chance-based reward will be governed by separate promotion terms and operated only after any legally required approval, registration or notification has been obtained.
14.1 You are responsible for taxes and personal costs lawfully payable by you in connection with a reward.
14.2 The Operator may deduct or withhold an amount only where required or authorised by law and will provide reasonable evidence of the deduction on request.
14.3 The Operator may require lawful identity, age, payment, tax, sanctions or anti-fraud verification before issuing or redeeming a reward.
14.4 Sensitive verification information must be collected through a secure, specifically designated process and not through an ordinary Contribution field.
14.5 The Operator may refuse or delay payment where:
15.1 Ardenturn Limited is the data controller responsible for Personal Data collected in connection with contributor accounts and Contributions, except where a separate notice expressly identifies another controller.
15.2 The Operator will process Personal Data:
15.3 The Operator may process Account Data, contact information, Device Data, security information, submission history, verification records, fraud indicators, reward records, communications and Location Data for purposes explained in the Privacy Notice, including:
15.4 Before or at the time of collection, the Operator will make an accessible Privacy Notice available explaining, as applicable:
15.5 The Operator may disclose Personal Data only where reasonably necessary to:
15.6 Service providers processing Personal Data for the Operator must be bound by written terms addressing permitted purposes, confidentiality, security, assistance with rights requests, breach notification, deletion or return and applicable transfer restrictions.
15.7 The Operator will use appropriate lawful safeguards for any international transfer of Personal Data.
15.8 The Operator will maintain reasonable procedures for access, correction, deletion, objection, restriction, portability, consent withdrawal and human review to the extent those rights apply.
15.9 Withdrawal of consent does not affect processing lawfully undertaken before withdrawal and does not invalidate processing based on another lawful basis.
15.10 The Operator will undertake an appropriate data-protection impact assessment before commencing processing likely to create a high risk to individuals, including extensive precise-location tracking, Sensitive Personal Data processing or materially consequential profiling.
15.11 The Operator will maintain reasonable incident-response procedures and make legally required notifications following a Personal Data breach.
15.12 The Operator may use Personal Data for direct marketing only where it has a lawful basis and will provide an effective method to object or opt out.
15.13 You must not submit another person’s Personal Data unless:
15.14 The Operator’s acceptance of a submission does not mean you had lawful authority to provide third-party Personal Data. The Operator remains responsible for establishing and documenting its own lawful basis for subsequent processing.
15.15 The Operator may redact, restrict or delete third-party Personal Data where the necessary legal basis cannot be established.
15.16 For privacy requests sent to help@ardenturn.com, the subject line should state “Privacy Request”. The Operator may request reasonable information needed to verify identity and protect against unauthorised disclosure.
15.17 If these Terms conflict with the Privacy Notice on a Personal Data matter, the provision that affords the data subject the greater legally required protection prevails. Neither document reduces a non-waivable statutory right.
16.1 Where location verification is required, the Platform will provide a just-in-time notice stating:
16.2 Unless you give a separate, informed and revocable permission for a clearly stated purpose, the Operator will collect Location Data only while you actively make or verify a location-dependent Contribution.
16.3 The Platform will not continuously or secretly track your location merely because your account is logged in.
16.4 Refusing location permission may prevent acceptance of a location-dependent Contribution but will not prevent access to unrelated Platform functions unless reasonably necessary for security.
16.5 Location Data may be used for contribution verification, fraud detection, safety, service improvement and legal compliance only as explained in the Privacy Notice.
16.6 The Operator will retain precise identifiable Location Data only for the period reasonably necessary for the stated purpose, dispute handling, fraud prevention and applicable legal obligations. Longer-term analytics should, where reasonably possible, use aggregated or de-identified location information.
17.1 The Operator may immediately restrict or suspend an account where reasonably necessary to:
17.2 For a non-urgent breach capable of remedy, the Operator will ordinarily give notice describing the breach and allow at least seven days to remedy it before terminating the account.
17.3 The Operator may permanently terminate an account for:
17.4 Except where prohibited by law or where doing so would compromise security, another person’s rights or a lawful investigation, the Operator will provide a brief statement of reasons and access to the review process in clause 8.
17.5 You may close your account and stop contributing at any time, subject to completion of outstanding investigations and lawful record-retention requirements.
17.6 Account closure or termination does not:
17.7 Following closure or termination, the Operator will process deletion, objection or restriction requests in accordance with applicable law and the Privacy Notice.
18.1 A person who reasonably believes that a Contribution infringes copyright, privacy, confidentiality, trade mark or another legal right may send a complaint to help@ardenturn.com with the subject “Rights Complaint”.
18.2 The complaint should identify:
18.3 The Operator may temporarily restrict disputed material while investigating.
18.4 Where appropriate, the Operator may notify you and allow a reasonable response, except where notice would be unlawful, unsafe or likely to compromise an investigation.
18.5 The Operator may remove, restore, redact or restrict material after considering the available evidence and applicable law.
18.6 Repeated knowing infringement or deliberately false rights complaints may result in account restriction or termination.
19.1 To the fullest extent permitted by law, the Platform is provided on an “as is” and “as available” basis.
19.2 Because information may be crowdsourced, time-sensitive or derived from third parties, the Operator does not warrant that every price, stock record, supplier, location, review, recommendation, forecast or business record will be accurate, complete, current, uninterrupted or suitable for a particular purpose.
19.3 Platform information is general informational material and is not legal, investment, financial, accounting, tax, medical, safety or other professional advice.
19.4 You and other Platform users remain responsible for independently checking material information before entering a transaction or making a business decision.
19.5 The Operator does not control and is not responsible for:
19.6 Nothing in these Terms excludes an express undertaking in a Reward Notice or a warranty, remedy or right that applicable law does not permit the Operator to exclude.
IMPORTANT: THIS CLAUSE LIMITS THE TYPES AND AMOUNTS OF LOSS FOR WHICH THE OPERATOR MAY BE LIABLE.
20.1 Nothing in these Terms excludes or limits liability for:
20.2 Subject to clause 20.1, neither party is liable to the other for:
20.3 Subject to clause 20.1, the aggregate liability of the Operator and the Protected Parties arising from or in connection with these Terms during any 12-month period will not exceed the greater of:
20.4 The cap in clause 20.3 does not limit the Operator’s obligation to pay a separately vested reward.
20.5 A party claiming loss must take reasonable steps to mitigate that loss.
20.6 This clause must be interpreted and, where necessary, reduced only to the minimum extent required to comply with mandatory law rather than being treated as excluding a non-waivable right.
IMPORTANT: THIS CLAUSE MAY REQUIRE YOU TO REIMBURSE CERTAIN THIRD-PARTY CLAIMS CAUSED BY YOUR SERIOUS BREACH.
21.1 You will indemnify the Operator and the Protected Parties against reasonable losses, liabilities, damages, penalties, settlements and external legal costs finally incurred as a result of a third-party claim directly arising from:
21.2 The indemnity does not apply to the extent the claim resulted from:
21.3 The Operator must:
21.4 Failure to give prompt notice reduces the indemnity only to the extent that the delay materially prejudiced your defence.
22.1 The Operator may preserve records and investigate suspected fraud, infringement, security incidents, unlawful conduct or material breaches of these Terms.
22.2 The Operator may disclose account or Contribution information where:
22.3 Where reasonably practicable, the Operator will:
22.4 The Operator may suspend ordinary deletion procedures for information subject to a lawful legal hold, dispute or investigation. The information will remain access-restricted and will return to the ordinary retention cycle when the hold ends.
23.1 The Operator may amend these Terms to reflect changes in law, security requirements, Platform functions, reward structures or legitimate business operations.
23.2 Except for an urgent change required by law or necessary to address an immediate security risk, the Operator will provide at least 14 days’ notice of a material amendment.
23.3 A material-amendment notice will:
23.4 A material amendment affecting intellectual-property rights, rewards, liability, dispute resolution, location tracking or Personal Data will not bind you until you expressly accept it.
23.5 An amendment applies prospectively to Contributions submitted after its effective date and acceptance. It does not:
23.6 Where an urgent legal or security amendment takes immediate effect, the Operator will notify you as soon as reasonably practicable.
24.1 These Terms and any non-contractual obligation arising from them are governed by the laws of the Federal Republic of Nigeria.
24.2 A complaint should first be sent to help@ardenturn.com with the subject “Contributor Complaint” and should contain sufficient information to identify the account, Contribution, reward or decision concerned.
24.3 The Operator will use reasonable efforts to acknowledge a complaint within five Business Days and provide a substantive response within 15 Business Days.
24.4 Before commencing ordinary court proceedings, the parties will attempt in good faith to resolve the dispute for 30 days beginning when the complaint is acknowledged or, if not acknowledged, five Business Days after it was properly sent.
24.5 The parties may agree in writing to appoint a mediator and conduct mediation under applicable Nigerian law. Mediation is voluntary unless the parties enter a separate binding agreement to mediate.
24.6 If the dispute is not resolved within the period in clause 24.4, or within any further period agreed for mediation, either party may commence proceedings in a court of competent subject-matter and territorial jurisdiction in Nigeria.
24.7 Nothing in this clause prevents:
25.1 You may not sell, transfer or assign your account, contributor status, rights or obligations under these Terms without the Operator’s prior written consent.
25.2 The Operator may assign or transfer these Terms to:
25.3 The Operator will give reasonable notice of a transfer that changes the identity of the data controller or the person responsible for vested rewards.
25.4 The Operator may grant security over its assets or receivables without transferring day-to-day contractual obligations to the secured creditor.
25.5 Any transfer of Personal Data must comply with applicable data-protection law and the Privacy Notice.
26.1 The Operator may send operational notices by in-app message, account notification, SMS or email to the contact details associated with your account.
26.2 A formal legal notice to the Operator must be sent to its registered address or to help@ardenturn.com with the subject “Legal Notice”.
26.3 An email notice is treated as received on the next Business Day after transmission unless the sender receives a delivery-failure message.
26.4 You must maintain current contact details. Failure to update them does not invalidate a notice properly sent to the last address supplied, except where mandatory law provides otherwise.
26.5 A notice of material contractual changes will not be delivered solely through a transient pop-up that cannot later be accessed.
27.1 Neither party is liable for delay or failure caused by an event outside its reasonable control, including widespread telecommunications failure, natural disaster, epidemic, civil disorder, government restriction, major cyberattack or utility failure, provided the affected party:
27.2 This clause does not excuse payment of a reward that vested before the event or compliance with mandatory data-security and breach-response duties.
28.1 These Terms, the Privacy Notice, any applicable Reward Notice and any applicable organisational contributor agreement constitute the agreement governing Contributions.
28.2 In the event of an inconsistency:
28.3 A Reward Notice may supplement these Terms but may not reduce a non-waivable statutory right.
28.4 No oral statement, social-media post or informal communication varies these Terms unless expressly incorporated into a written Reward Notice or a written amendment validly accepted by the parties.
28.5 Nothing in this clause excludes liability for fraudulent misrepresentation or another matter that cannot legally be excluded.
29.1 If a provision is found invalid or unenforceable, it will be interpreted or reduced only to the minimum extent necessary to make it valid and enforceable where the law permits. If that is not possible, it will be severed without affecting the remaining provisions.
29.2 A delay or failure to enforce a right is not a waiver.
29.3 A waiver is effective only if it is in writing and applies only to the specific circumstance for which it is given.
29.4 Rights and remedies under these Terms are cumulative unless expressly stated otherwise.
30.1 Clauses concerning accrued rewards, intellectual-property rights, confidentiality, Personal Data, liability, indemnity, investigations, dispute resolution, governing law and any provision intended by its nature to continue will survive account closure or termination.
31.1 Headings are for convenience and do not affect interpretation.
31.2 “Including” and similar expressions mean “including without limitation”.
31.3 A reference to a statute includes amendments, replacements and subsidiary legislation made under it.
31.4 Singular words include the plural and vice versa where the context permits.
31.5 “Written” and “in writing” include an electronic record capable of being retained and reproduced.
31.6 The English-language version governs. A translation is provided for convenience unless the Operator expressly designates it as authoritative.
31.7 A provision will not be interpreted against a party solely because that party drafted or proposed it.
31.8 Where a deadline falls on a day that is not a Business Day, it moves to the next Business Day unless a Reward Notice expressly states otherwise and the shorter period is lawful and reasonable.
By selecting “I Agree and Continue”, you confirm that: