• This policy explains how RUICHENG GLOBAL LIMITED (RICHEN FINANCE) collects, uses, stores, maintains client’s information in compliance with the New Zealand Privacy Act 2020's Privacy Principles.

• This privacy policy is subject to, and must be read in conjunction with, RUICHENG GLOBAL LIMITED Terms and Conditions.

• In this Privacy Policy, “Ruicheng Global Limited” or "the company" or “we” or “us” or “our” refers to Ruicheng Global Limited and subsidiaries while “you” or “user” or” client(s) “or “your” refers to anyone using our service.

• In this Privacy Policy "The Website" refer to richenfinance.com which is operated and owned by RUICHENG GLOBAL LIMITED.

• We respect and are committed to protecting your privacy. Our Privacy Policy informs you how your personal information is processed and used. We will use our reasonable endeavours to take steps to use your personal information only in ways that are compatible with the Privacy Policy.

• Other than your personal information, which is covered by the Privacy Policy, any material you transmit or post to the Application shall be considered non-confidential and non-proprietary.

• We shall have no obligations with respect to such material. We and our designers shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text and other things for any and all commercial or non-commercial purposes.

• NZBN of Ruicheng Global Limited: 9429049327755; FSP: 1001154

• Contact:
  Email – info@richenfinance.com
  Phone: +64 21806660

• The headquarters of Ruicheng Global Limited is: 5/8 Burgoyne Street, Grey Lynn, Auckland 1021, New Zealand.

• 2.1We collect information from and about users of our service:

  • Directly from you when you provide it to us.
    Automatically when you use the Service.
    From third parties, such as identity verification service providers.
    

• 2.2Information that you provide to us (“personal information”) when you use our service:

  • First Name, Last Name;
    Email Address;
    Date of Birth, Place of Birth.
    Financial, Banking account and credit information;
    A valid identification, Visa Type;
    Tax Details.
    Residential Address.
    Employment or Business Details;
    Telephone number; and other non-personal information on the application form.
    

• 2.3 This information may also include:

  • Information that you provide us such as first name, last name, email address, telephone number and address (“Contact Information”). This includes information provided at the time of registering to use the Service and requesting further services.

  • Information you provide to us when you complete user surveys or surveys for research purposes such as your Contact Information.

  • Information you provide to us when you report a problem with the Service such as your first name, last name and email address.

  • Records and copies of your correspondence (including e-mail addresses and phone numbers), if you contact us.

  • Details of transactions you carry out through the Service when you make payment to RUICHENG GLOBAL LIMITED.

  • Your correspondence within the Service with other users (your username and location).

Any information collected by us is for a purpose in relation to your use of our service, including for providing the services, processing, and delivering your orders.

• Reports, Prescribed Transactions Reports, CRS, FATCA and any other reporting obligations imposed on RUICHENG GLOBAL LIMITED by New Zealand laws and regulations;

  Responses to lawful bank inquires; Marketing products, services and other subjects under the umbrella of RUICHENG GLOBAL LIMITED;

  Meeting the requirements to make disclosure under the requirements of any law binding on us or under and for any guidelines issued by regulatory or other authorities to comply;

  Any other purposes relating to the purposes listed above.

Provide Services to you:

• We collect information to send you email about the service we offer to you such as: Creating and maintaining risk related models, including but not limited to risk assessment, risk analysis and risk management;

• Assessing your current and on-going credit worthiness;

• Providing and administering your tradingexchange account;

• Fulfilling reporting obligations, including but not limited to our Annual AML/CFT Report, Suspicious Activity Reports, Prescribed Transactions Reports, CRS, FATCA and any other reporting obligations imposed on RUICHENG GLOBAL LIMITED by New Zealand laws and regulations;

• Responses to lawful bank inquires; Marketing products, services and other subjects under the umbrella of RUICHENG GLOBAL LIMITED.

• Meeting the requirements to make disclosure under the requirements of any law binding on us or under and for any guidelines issued by regulatory or other authorities to comply;

• Any other purposes relating to the purposes listed above.

We may also use your information to optimize or improve our Services and operations, for example, training and quality assurance.

Fulfilling legal and compliance obligations:

We collect information to fulfill our legal obligations. Examples of this may include satisfying regulatory screening requirements in connection with entity formations, responding to subpoenas and other legal requests for information, and maintaining records as required in our role as Registered Agent. We may also collect information to detect fraud or other suspicious activity. We may share any information collected in accordance with this Privacy Policy with:

1. governmental and other regulatory authorities or the courts in any jurisdiction;
2. any thirdparty; claimants or potential third-party claimants; or;
3. your card issuing bank, financial institution and/or payment service provider, to process or resolve dispute arising from or in connection with a transaction using our Services in accordance with our Terms of Service. We may disclose your personal information if required to do so by law or if we believe that such action is necessary to prevent fraud or crime or to protect our Services or the rights, property, or personal safety of any person.

To communicate with you: We collect your email address and phone number to (i) contact you regarding your use of our service, (ii) respond to your questions, complaints, and queries, and (iii) send you updates regarding our services or this Policy and other agreements; We may share the information with our potential partners, investors and other parties with a view to a potential business partnership, collaboration, joint venture or otherwise in furtherance of our business.

For other purposes through your consent: We may also process your information for some other reasons which your consent will be sought before we process such information. You may also withdraw your consent at any time. We respect your privacy, and we will not sell your personal information to any third party. We may disclose data and aggregate statistics about users of our Services and sales to prospective partners, advertisers, sponsors and other reputable third parties in order to describe our Services, deliver targeted advertisements or for other lawful purposes, but these data and statistics will not include information which can be used to identify you.

What are the lawful bases for processing personal data? At least one of these must apply whenever we process personal data. We mainly use consent, contract, legal obligations and legitimate interests as the bases to process your personal data in accordance with this privacy policy.

Consent: the individual has given clear consent for us to process their personal data for a specific purpose.

Contract: the processing is necessary for a contract we have with the individual, or because they have asked us to take specific steps before entering into a contract.

Legal obligation: the processing is necessary for us to comply with the law (not including contractual obligations).

Legitimate interests: the processing is necessary for our legitimate interests or the legitimate interests of a third party unless there is a good reason to protect the individual’s personal data which overrides those legitimate interests.

RUICHENG GLOBAL LIMITED does not sell or share your personal information to third parties but may share your information if need arises such as the following:

• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by the Company about our Service users is among the assets transferred.

• For any other purpose disclosed by us when you provide the information. For any other purpose with your consent.

• To comply with any court order, law or legal process, including to respond to any government or regulatory request.

• To enforce our rights arising from any contracts entered into between you and us.

• To verify the information provided to us.

If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Where you provides Personal Data to us, to the extent that we processes that Personal Data under this Agreement, we shall Process such Personal Data in accordance with the obligations set out in this Privacy Policy and shall not do anything to be in breach of the Data Protection Legislation.

We undertake to:

• Process the Personal Data only to the extent, and in such manner, as is necessary for the Purpose only in accordance with the Terms and Conditions and this clause.

• Implement appropriate technical and organisational measures to ensure a level of security.

• Appropriate to the risks that are presented by such Processing, to protect in particular against accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to Personal Data, taking into account the state of the art, the costs of implementation, the nature, scope, context and purposes of processing and the likelihood and severity of risk in relation to the rights and freedoms of the Data Subjects..

• Not without to transfer any Personal Data without your consent to another territory or organisation.

• Ensure that our employees or other persons to process the Personal Data are subject to appropriate obligations of confidentiality.

• Not engage any third party to carry out its Processing obligations under this Agreement.

• Notify as soon as reasonably practicable, about any request or complaint received about Data Subjects.

• Make available all information necessary to demonstrate our compliance with this clause and otherwise permit, and contribute to, audits carried out by the Data Subject and/or the Data Protection Enforcement Agency (or their authorized representatives); and

• Data which has been kept for longer than 7 years by the company will be destroyed.

Our Services may, from time to time, contain links to external sites or resources which are operated by third parties. We have no control over the content and privacy practices of such sites or resources. You are advised to review the privacy policies of these sites and resources operated by third parties and understand how your information may be used by those third parties.

If you have any questions or concerns of this Privacy Policy, please contact with our Privacy Officer:

• Email: glenn.gan@richenfinance.com
• Mobil: +6421806660
• Address: 5/8 Burgoyne Street, Grey Lynn, Auckland 1021, New Zealand

You may also send us an e-mail at info@richenfinance.com to request access to, correct or delete any personal information free of charge that you have provided to us. We cannot delete your personal information except by also deleting your user account.

We will respond to a request to access, correct or delete any data within 30 days of the date we receive the request.

We may not accommodate a request to change information if we believe the change would violate or breach any law or legal requirement or cause the information to be incorrect.

If, on your request, we refuse to amend, correct or delete your personal information, we will set out our reasons for not doing so and provide you with details of how you may complain about our refusal.

If you delete your User Contributions from the Service, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Service users. Proper access and use of information provided on the Service, including User Contributions, is governed by our Terms and Conditions

We will retain personal data at least 7 years to comply legal obligations. If you would like to close your account, we will not retain this information for longer than is necessary for the purposes for which the information may be legally protected.

1. We rely upon both consent and legitimate business interests for processing PII. For example, we may process PII with a User’s consent when they agree that we may place cookies on their devices, or that we can process information that they enter into a form on one of our sites.

2. t is in our interest as a business to enhance the services that we provide which may include processing your information to enable us to:

   • Respond to User enquiries and to fulfil User requests

   • Send Customers or Potential Customers relevant marketing information and offers Complete transactions

   • Provide customer service

   • Send administrative information

   • Personalize Users’ experiences with our sites.

   • Do so where we are required to by law

3. We may also process PII when it is in our or a Users’ legitimate interests to do so and when these interests are not overridden by an individual’s data protection rights.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Service. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Service.

It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Service home page. If we make material changes to how we treat our users' personal information, we will notify you by e-mail to the primary e-mail address specified in your account and/or through a notice on the Service home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable e-mail address for you, and for periodically visiting our Service and this privacy policy to check for any changes.

You acknowledge and agree that Ruicheng Global Limited may use outsourced data base (Centrix or equivalent database/software) to determine where I am/we are recorded with any notation as a Politically Exposed Person (PEP).

You acknowledge and agree Ruicheng Global Limited is subject to anti-money laundering and countering the financing of terrorism laws (the AML/CFT Act) in New Zealand. This may include reporting of suspicious activities required by the AML/CFT Act to the Financial Intelligence Unit of the New Zealand Police.

You agree to provide Ruicheng Global Limited (and its employees, agents, nominees and related entities) with all reliable information and other assistance it reasonably requires establishing the bona fides of the source of my/our funds/wealth, and to comply with the AML/CFT Act.

You represent and warrant that you have no cause to believe the funds used for money remittances are the proceeds of crime or will be used to finance terrorism.

You understand that failure to comply with the reasonable request for information by Ruicheng Global Limited to satisfy the AML/CFT Act could result in my/our application being rejected. You agree to indemnify Ruicheng Global Limited (and its employees, agents, nominees and related entities) against any loss it suffers because of me/us providing incorrect or incomplete information.

You confirm that you are authorised to provide the personal details presented and consent to the information being checked with the document issuer, official record holder or authorised record holder via third party systems for the purpose of confirming an identity.

• You are required to read the provisions in this Terms of Service (these “Conditions”) and agree to them as it relates to your use of the Ruicheng Global Limited services and platforms, our money remittance services to you and your use of all our social media channels (collectively, our “Services”).

• In these Conditions, “Ruicheng Global Limited” or “we” or “us” or “our” refers to Ruicheng Global Limited and subsidiaries while “you” or “user” or” client(s) “or “your” refers to anyone using our service.

• Your use of our Services constitutes your acceptance of these Conditions. If otherwise, you do not agree to be bound by provisions in these Conditions, you do not have our permission to use our Services, including accessing our website and purchasing from us.

• This “Terms of Service” is subject to and must be read in conjunction with the “RUICHENG GLOBAL LIMITED Privacy Policy”.

• We may modify these Terms of Service from time to time, and such modifications shall be effective immediately upon publication of the Terms of Service on richenfinance.com. You should check these Terms of Service periodically so that you are aware of such modifications, as your continued access or use of the Services will demonstrate your acceptance of the Terms of Service as modified. If you do not accept any modifications, then do not access, or use the Website or Services.

• In this Terms of Service, “The Website” refers to richenfinance.com, which is operated and owned by RUICHENG GLOBAL LIMITED.

• Ruicheng Global Limited agrees to provide the following professional services to the Client: Provide the Global Money Remittance Service, which transfers the client’s funds from a Country to a different Country and from a Currency to a foreign currency. Global Money Remittance is known as cross-board payment. Ruicheng Global Limited accepts all funds from clients in all legal tender approved by the law and does not accept funds in cryptocurrencies or cash.

• Ruicheng Global Limited reserves the right, at our discretion or due to developments, to amend, change, review, or modify a portion or whole of these Conditions from time to time (with or without notice to you). Any modification to these Terms of Service will take effect immediately upon publication of the modified portion to this page. You shall check these Terms of Service periodically to be aware of such modifications, as your continued access or use of the Services will demonstrate and deem your acceptance of the Terms of Service as modified. If you do not accept any modifications, then do not access, or use the Website or Services. You are obligated to review these Conditions for any modifications frequently.

• Clients represent and warrant that they have the full legal power and authority to use our services and enter into this Agreement and that the terms of this Agreement do not violate any obligation, laws preventing money-laundering, gaming and laws intended to protect the clients against unfair debt collection. Client and not Ruicheng Global Limited shall be responsible for all taxes associated with the services and/or the transfer of any funds performed hereunder, including, without limitation, income tax, withholding taxes, value-added taxes (VAT), goods and services taxes (GST), sales taxes, customs and excise duty and use taxes. Therefore, if it is determined that Ruicheng Global Limited may owe any such taxes, the Client shall promptly reimburse Ruicheng Global Limited.

• Ruicheng Global Limited shall be responsible for responding to and resolving inquiries and complaints from Clients arising out of the use of Ruicheng Global Limited.

• The Customer will defend, indemnify and hold harmless Richen, its parents, divisions, subsidiaries and affiliates, and their officers, directors, employees, agents, successors and assigns (collectively, “Indemnified Parties” and each of the foregoing beings hereinafter referred to individually as “Indemnified Party”), from and against, all liability to third parties and promptly reimburse them for all costs and expenses (including, without limitation, all settlements, judgments, fines, damages, reasonable legal fees, court costs, expert fees, etc.) by reason of any claim, demand, tax, penalty or judicial or administrative proceeding or investigation arising from or in connection with:

  • 6.1 Any breach of any representation or warranty contained in the Agreement by the Customer

  • 6.2 The Customer’s infringement, misuse, or misappropriation of any third-party intellectual property rights and

  • 6.3 The Customer’s failure to comply with applicable law, rules and regulations.

• 7.1 Under no circumstances will Ruicheng Global Limited be liable to Client or Customers for indirect, exemplary, incidental, special, or consequential damages, whether either party knew or had reason to know that they might be incurred. In no event shall Ruicheng Global Limited’s aggregate liability to Client under this Agreement for any reason exceed the lesser of the amount of fees paid hereunder to Ruicheng Global Limited during the sixth month period prior to when the claim arose or twenty thousand worth of New Zealand dollars (NZD 20,000)

• 7.2 In particular, the client agrees that where Ruicheng Global Limited is unable to complete the provision of services to the client as a result of external events (e.g. a collapse of financial services, the freezing of Ruicheng Global Limited or its agents or associated companies bank accounts by any bank, government or authority, force majeure etc.), Ruicheng Global Limited’s only obligation is to repay an amount equivalent to the amount initially paid to Ruicheng Global Limited, as and when it is reasonably able to do so.

• 7.3 In the event the funds are transferred or deposited incorrectly due to the false/wrong information of the beneficiary’s account provided by you, Ruicheng Global Limited shall take no responsibilities.

• 7.4 In the event the funds are not transferred successfully due to the false/wrong information of the beneficiary’s account provided by you, Ruicheng Global Limited shall take no responsibilities. If Ruicheng Global Limited needs to process the transfer again, the transaction fee will be charged separately based on the international remittance standards.

• 7.5 If the transfer is out of the normal business hours, the transfer may be delayed. The transferor shall provide the corresponding bank records. Once Ruicheng Global Limited receives the corresponding bank records, Ruicheng Global Limited will verify the transfer in the next day.

• 7.6 The transferor has no rights to order Ruicheng Global Limited to use specific methods or institutions to conduct the transfer. The timeframe and methods are determined by Ruicheng Global Limited based on the normal business hours, banks’ policies and the requirements of the AML/CFT Act 2013. The Ruicheng Global Limited will only provide an estimated timeframe for your information.

• 7.7 The transferor has the responsibilities to cooperate with Ruicheng Global Limited to verify if the required transfer is completed. Suppose the transferor does not cooperate and the Ruicheng Global Limited is not able to verify the completeness of the transfer. In that case, Ruicheng Global Limited will admit the completeness of the transfer autonomously after 24 hours and take no responsibilities afterwards.

• 7.8 In the event the actual transfer is more or less than the transfer requested for any reason, Ruicheng Global Limited reserves the rights to chase the discrepancy. To avoid this situation, the transferor must ensure the bank account is under control. The transferor/transferee shall return/transfer the discrepancy within seven natural days; otherwise, Ruicheng Global Limited will charge a forfeit penalty (5% of the discrepancy).

• 7.9 We shall charge a 5% penalty on the amount transferred to us in cash by the transferor to the bank account that we have provided instead of online transfer. We shall not in any be liable for any transaction that was made by cash. Such transactions shall be flagged and reported to New Zealand Financial Intelligence Unit Suspicious Activity and Transaction Channel. Each and every transaction shall be followed by a call, email, WeChat, or WhatsApp to inform us on the transaction. Transaction made by cash will not be complete and shall be mentioned by us through the call, email, or any modes of communication.

• 7.10 If the transferor transfers funds to a bank account other than the designated bank account, without the consent of Ruicheng Global Limited. The Ruicheng Global Limited shall take no responsibilities. If Ruicheng Global Limited assists in chasing the funds, Ruicheng Global Limited will charge 3% of the transfer value to compensate for the cost incurred.

• 7.11 Once the deal is confirmed through the lock of rate, we have no power to cancel the transaction, and you shall pay the amount required to us on the same day. Failure to do so on your part would entitle us to take action to recover all the losses that have been incurred by your inability to pay the amount within the promised business day.

• 7.12 You are authorised to enter into lock rate of currency contract with us. Once we lock a specific rate of exchange upon your approval, you do not have the right to cancel or reverse the transaction. Should you fail to pay us on time for the lock rate of currency contract (value date, New Zealand time 4 pm), we shall forfeit the deposit as liquidated ascertained damages we will charge 5% of the remaining amount as penalty. By locking the exchange rate, you agree that you must accept the exchange of currency at the agreed price, which can be considerably higher than the then market price, in the case of falling prices. In both cases, the risk lies in the difference between the agreed price and the market price. You acknowledge that this risk is not determinable in advance and agree to exempt us from any liability.

• 7.13 We do not guarantee or warrant those files available for downloading through the Website will be free of infection or viruses, worms, Trojan horses, or other code that manifests contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for accuracy of data input and output and for maintaining a means external to the Website for the reconstruction of any lost data.

• 7.14 We shall have no responsibility or liability with respect to loss or damage caused by any representations, inducement, misrepresentations, or fraud to you through any rapid means of communication other than the Website including but not limited to short messaging system, call, WhatsApp chat and Facebook Messenger.

  Ruicheng Global Limited does not take any responsibility when the transfer is delayed or unsuccessful due to issues caused by any bank for any reason, as Ruicheng Global Limited does not have any control on the banks involved in the process. The Ruicheng Global Limited may assist but is not responsible for any cost or loss incurred. The customer must take full responsibility.

• 7.15 You assume responsibility and risk for your use of the Website and the Internet generally. It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise, advertising and other information provided on the Website via a link or the Internet generally.

• 7.16 Once the fund has been approved and paid to your designated account, we shall no longer be responsible and hold any liability with regard to the account or the transaction, unless it has been proven that we have transferred the amount with uncleaned funds and must be proofed by a bank or local austerities.

• 7.17 We shall deliver our designated receiving bank account details to you through the mediums provided below:

  • Email that you provide. You shall update and notify us of the current email that you will be using for the transaction, and we shall not be liable for any delay or failure of the message to be delivered.

  • Mobile phone number provided by you. You shall update and notify us of the current phone number that you will be using for the transaction, and we shall not be liable for any delay or failure of the message to be delivered.

  • WeChat account that you choose to communicate with us. You shall update and notify us of the current WeChat account that you will be using for the transaction; we shall not be liable for any delay or failure of the message to be delivered.

  • WhatsApp account which number matches with your provided contact phone number. You shall update and notify us of the phone number you will be using for the transaction, and we shall not be liable for any delay or failure of the message to be delivered.

  • SMS messages to the number of customers provided to us. You shall update and notify us of the phone number you will be using for the transaction, and we shall not be liable for any delay or failure of the message to be delivered.

• You need to be aware that you have the responsibility to confirm and acknowledge the receipt of receiving the bank account numbers.

• We respect and are committed to protecting your privacy. Our Privacy Policy informs you how your personal information is processed and used. We will use our reasonable endeavours to take steps to use your personal information only in ways that are compatible with the Privacy Policy.

• Other than your personal information, which the Privacy Policy covers, any material you transmit or post to the Website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. Our designers and we shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things for any and all commercial or non-commercial purposes.

• In addition to any other method of termination or suspension provided for in these Terms of Service, Ruicheng Global Limited may terminate or suspend this Application Form and Agreement for Services or any services to the client at any time without notice if Ruicheng Global Limited determines in its sole discretion that the client is using the services to transmit funds:

  • 9.1 For gambling (including, without limitation, betting on sporting events) to or from New Zealand or any other jurisdiction where such transmission may be illegal.

  • 9.2 In any way which may violate anti-money laundering laws of New Zealand or any jurisdiction to or from which the money is transmitted.

  • 9.3 For any other purpose which may violate applicable law, banking regulation or Ruicheng Global Limited policy. Ruicheng Global Limited may also terminate or suspend this agreement or the services without notice to the client if Ruicheng Global Limited determines that any information provided by the client is false or misleading or that the client has breached or defaulted under any term of this agreement. Ruicheng Global Limited may terminate this client and Terms of Service at its sole discretion upon thirty (30) days written notice.

  Please note You and/or we may terminate these Terms of Service at any time, without prior notice, for any reason. All provisions of these Terms of Service which grant continuing rights or impose continuing obligations shall survive termination of these Terms of Service. We may, in our sole discretion, terminate your access to the Website, at any time, without notice.

• You agree that the use of our services does not give rise to personal jurisdiction over Ruicheng Global Limited, either specific or general, in jurisdiction other than the laws of New Zealand. A court of competent jurisdiction located in New Zealand will decide any claim or dispute between you and Ruicheng Global Limited that arises in whole or part from the service.

  • 10.1 High-Risk Risk countries are Algeria, Ecuador, Ethiopia, Indonesia, Myanmar, Pakistan, Syria and Turkey.

  • 10.2 Politically Exposed Persons are persons with prominent public functions and/or are senior public figures.

• RUICHENG GLOBAL LIMITED, NZBN: 9429049327755; FSP: 1001154 trade names are Richen Finance and Richen International Finance Limited.

• These Terms of Service contain all our commitments and constitute the entire agreement between you and us in relation to your use of the Application. No other statement we make, including statements in any brochure or promotional literature published by us, may be incorporated into this agreement or have any legal effect.

• Whenever possible, each provision of this Agreement shall be interpreted in such a manner as to be valid and effective under applicable law. Suppose any provision of this Agreement shall be unlawful, void or for any reason unenforceable. In that case, it shall be deemed separable from, and shall in no way affect the validity or enforceability of, the remaining provisions of this Agreement, and the rights and obligations of the parties shall be enforced to the fullest extent possible.

• Prices (Exchange rates) for our products are subject to change without notice.

• We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

• We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

• You may use the Website to link to third party Applications. If you use any link, you will leave our website. Your use of any third-party website will be subject to that third party’s Terms of Service. We do not monitor the content of third-party websites, and any links provided are for your convenience only.

• In order to avail of our services, you will be required to provide specific information to us, including but not limited to your information, transaction record, and verify your identity. You agree at all times that all the information you provided to us is accurate and complete, and you will oblige to regularly update this information as and when required. You agree to not to impersonate any other individual or entity, misrepresent an affiliation with any person/ entity, or hide any required information from us for any purpose. We agree to protect the information you provide to us, in accordance with our privacy policy. Failure to do so will constitute a breach of our terms and may lead to the termination of your account.

• Occasionally, there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

• We undertake no obligation to update, amend or clarify information in the Service or on any related website or social media channels, including, without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website should be taken to indicate that all information in the Service or on any related website has been modified or updated.

• While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the Website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law that the Website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the Website or any part of the content or materials, are appropriate or available for use either in New Zealand or in other jurisdictions. If you use this Website from other jurisdictions, you are responsible for compliance with applicable local laws.

• Any opinions, advice, statements, offers, advertising, products, or other information expressed or made available by third parties on the Website or via a link, are those of the third party concerned. We neither endorse nor are responsible for the accuracy or reliability of any third-party material. We do not warrant, represent, authorise or endorse the reliability, accuracy or completeness of any such material published on the Website.

• In order to maintain the security of our systems, protect our staff and detect fraud and other crimes, we reserve the right to monitor all internet communications, including web and email traffic, into and out of our domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way. We cannot guarantee continuous or secure access to the Services, and the operation of the Website may be interfered with by numerous factors outside of our control. For the avoidance of doubt, we shall not be liable for the acts or omissions of other providers of telecommunications services or faults in or failure of their networks and equipment.

• Headings and captions of this Agreement are included for ease of reference only and in no way define, limit, construe or describe the scope or extent of any provisions in this Agreement.