USING THE SITE AND CONTENT The Site is only for your personal use. You may not use the Site for commercial purposes or in any way that is unlawful, or harms us or any other person or entity, as determined in our sole discretion. All information, materials, functions and other content (including Submissions, subject to the provisions of Section 4, contained on this Site are our copyrighted property or the copyrighted property of our licensors or licensees. All trademarks, service marks, trade names, and trade dress are proprietary to us and/or our licensors or licensees. We may change this Site or delete Content or features at any time, in any way, for any or no reason. Except as we specifically agree in writing, no Content from this Site may be used other than as part of this Site, reproduced, transmitted, distributed or otherwise exploited in any way. ACCOUNTS This Site MAY require you to create an account to participate or to secure additional benefits. You agree to provide, maintain and update true, accurate, current and complete information about yourself as prompted by our registration processes (the “Registration Data”). You shall not impersonate any person or entity or misrepresent your identity or affiliation with any person or entity, including using another person’s username, password or other account information, or another person’s name, likeness, voice, image or photograph. You also agree to promptly notify us at the address set out in ABOUT US of any unauthorized use of your username, password, other account information, or any other breach of security that you become aware of involving or relating to this Site. In addition, you agree to exit from your account at the end of each session. We may suspend or terminate your account and your ability to use this Site or portion thereof for failure to comply with these terms of use or any special terms related to a particular service, for infringing copyright, or for any other reason whatsoever. RULES OF CONDUCT The following Rules of Conduct apply to this Site. By using this Site, you agree that you will not Distribute any Submission that: 1. (a) is defamatory, abusive, harassing, threatening, or an invasion of a right of privacy of another person; (b) is bigoted, hateful, or racially or otherwise offensive; (c) is violent, vulgar, obscene, pornographic or otherwise sexually explicit; or (d) otherwise harms any person or entity; 2. is illegal or encourages or advocates illegal activity or the discussion of illegal activities with the intent to commit them, including a Submission that is, or represents an attempt to engage in, child pornography, stalking, sexual assault, fraud, trafficking in obscene or stolen material, drug dealing and/or drug abuse, harassment, theft, or conspiracy to commit any criminal activity; 3. infringes or violates any right of a third party including: (a) copyright, patent, trademark, trade secret or other proprietary or contractual rights; (b) right of privacy (specifically, you must not distribute another person’s personal information of any kind without their express permission) or publicity; or (c) any confidentiality obligation; 4. is commercial, business-related or advertises or offers to sell any products, services or otherwise (whether or not for profit), or solicits others (including solicitations for contributions or donations); 5. contains a virus or other harmful component, or otherwise tampers with, impairs or damages this Site or any connected network, or otherwise interferes with any person or entity’s use or enjoyment of this Site; or 6. is antisocial, disruptive, or destructive, including “flaming,” “spamming,” “flooding,” “trolling,” and “griefing” as those terms are commonly understood and used on the Internet. 7. do not generally pertain to the designated topic or theme of the relevant Public Forum We cannot and do not assure that other users are or will be complying with the foregoing Rules of Conduct or any other provisions of these terms of use, and, as between you and us, you hereby assume all risk of harm or injury resulting from any such lack of compliance. DISCLAIMERS THE INFORMATION, CONTENT AND MATERIALS ON THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN INFORMATION, CONTENT AND MATERIALS ON THIS SITE (INCLUDING, WITHOUT LIMITATION, — USER-GENERATED CONTENT) WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE SUCH INFORMATION, CONTENT AND MATERIALS AVAILABLE ARE FREE OF VIR– USES OR OTHER HARMFUL COMPONENTS. MOREOVER, YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE — USE OR THE RESULTS OF THE — USE OF ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES CONTAINED ON OR OFFERED, MADE AVAILABLE THROUGH, OR OTHERWISE RELATED IN ANY WAY TO THE SITE, INCLUDING, WITHOUT LIMITATION, — USER-GENERATED CONTENT, OR ANY THIRD PARTY SITES OR SERVICES LINKED TO FROM THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, COMPLETENESS, RELIABILITY, SAFETY OR OTHERWISE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. We explicitly disclaim any responsibility for the accuracy, completeness or availability of information, content and materials found on sites that link to or from the Site. We cannot ensure that you will be satisfied with any products or services that you purchase from a third-party site that links to or from the Site or third-party information, content or materials contained on our sites (including, without limitation, User-Generated Content contained in Public Forums). We do not endorse any of the merchandise, nor have we taken any steps to confirm the accuracy, completeness or reliability of, any of the information, content or materials contained on any third-party site. We do not make any representations or warranties as to the security of any information, content or materials (including, without limitation, credit card and other personal information) you might be requested to give to any third party. You hereby irrevocably waive any claim against us with respect to information, content and materials contained on our sites (including, without limitation, User-Generated Content), on third party sites, and any information, content and materials you provide to such third party sites (including, without limitation, credit card and other personal information). We strongly encourage you to make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. INDEMNIFICATION You are responsible for maintaining the confidentiality of your username(s), password(s), and your account(s), as well as all activities that occur under your account(s). You hereby agree to indemnify, defend, and hold us, our licensors, licensees, distributors, agents, representatives and other authorized users, and each of the foregoing entities’ respective resellers, distributors, service providers and suppliers, and all of the foregoing entities’ respective officers, directors, owners, employees, agents, representatives and assigns (collectively, the “Indemnified Parties”) harmless from and against any and all losses, damages, liabilities and costs (including settlement costs and any legal or other fees and expenses for investigating or defending any actions or threatened actions) incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these terms of use or claims arising from your use of this Site and/or your account(s). You shall use your best efforts to cooperate with us in the defense of any claim. We reserve the right, at our own expense, to employ separate counsel and assume the exclusive defense and control of any matter otherwise subject to indemnification by you. LIMITATION OF LIABILITY UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES’ RESPECTIVE RESELLERS, DISTRIBUTORS, SERVICE PROVIDERS OR SUPPLIERS, BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES INCLUDING LOST PROFITS, PERSONAL INJURY (INCLUDING DEATH) AND PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, THAT RESULT FROM (A) THE — USE OF, OR THE INABILITY TO — USE, THIS SITE OR CONTENT, OR (B) THE CONDUCT OR ACTIONS, WHETHER ONLINE OR OFFLINE, OF ANY — USER OF THIS SITE OR ANY OTHER PERSON OR ENTITY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CA– USES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR $100 (WHICHEVER IS LESS) FOR ACCESSING OR PARTICIPATING IN ANY ACTIVITY RELATED TO THIS SITE. MOREOVER, UNDER NO CIRCUMSTANCES SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES’ RESPECTIVE RESELLERS, DISTRIBUTORS, SERVICE PROVIDERS OR SUPPLIERS, BE HELD LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE RESULTING DIRECTLY OR INDIRECTLY FROM AN ACT OF FORCE MAJEURE OR CA– USES BEYOND OUR OR THEIR REASONABLE CONTROL. WE MAY TERMINATE YOUR FURTHER ACCESS TO THIS SITE OR CHANGE THIS SITE OR DELETE CONTENT OR FEATURES IN ANY WAY, AT ANY TIME AND FOR ANY REASON OR NO REASON. THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION AND ELSEWHERE IN THESE TERMS OF — USE APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. JURISDICTIONAL AND VENUE ISSUES These terms of use shall be governed by and construed in accordance with the laws of the laws relevant to the country within which you live and the courts of that country shall have exclusive jurisdiction and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any action. We make no representation that Content on this Site is appropriate or available for use in any particular location. Those who choose to access this Site do so on their own initiative and are responsible for compliance with all applicable laws including any applicable local laws. AMENDMENT We reserve the right, in our sole discretion, to change, modify, add or delete portions of these terms of use at any time without notice, and it is your responsibility to review these terms of use for any changes. Your use of the Site following any amendment of these terms of use will signify and constitute your assent to and acceptance of such revised terms of use. TERMINATION These terms of use are effective until terminated by either you or us. You may terminate these terms of use at any time by discontinuing use of the Site and destroying all materials obtained from the Site and all related documentation and all copies and installations thereof, whether made under these terms of use or otherwise. Upon termination, you must cease use of the Site and destroy all materials obtained from the Site and all copies thereof, whether made under these terms of use or otherwise. We have adopted and implemented a policy that provides for the termination, in appropriate circumstances, of users who are repeat infringers of copyright. The provisions of these terms of use, which by their nature should survive the termination of these terms of use, shall so survive such termination. PRIVACY POLICIES If any provision of these terms of use shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these terms of use and shall not affect the validity and enforceability of any remaining provisions. No waiver of any provision of these terms of use by us shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these terms of use shall not constitute a waiver of such right or provision. In these terms of use, the word “including” is used illustratively, as if followed by the words “but not limited to.” TO THE EXTENT PERMITTED BY APPLCIABLE LAW YOU AGREE THAT ANY CA– USE OF ACTION YOU MAY HAVE ARISING OUT OF OR RELATED TO THESE TERMS OF — USE OR THIS SITE MUST GENERAL PROVISIONS If any provision of these terms of use shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these terms of use and shall not affect the validity and enforceability of any remaining provisions. No waiver of any provision of these terms of use by us shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these terms of use shall not constitute a waiver of such right or provision. In these terms of use, the word “including” is used illustratively, as if followed by the words “but not limited to.” TO THE EXTENT PERMITTED BY APPLCIABLE LAW YOU AGREE THAT ANY CA– USE OF ACTION YOU MAY HAVE ARISING OUT OF OR RELATED TO THESE TERMS OF — USE OR THIS SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CA– USE OF ACTION ACCRUES; OTHERWISE, SUCH CA– USE OF ACTION SHALL BE PERMANENTLY BARRED.

General Principles Protecting your privacy is very important to us. We have developed this Privacy Policy to protect your personal information and keep it confidential. We do everything we reasonably can to protect your rights of privacy on systems and websites controlled by us, but we are not liable for any unauthorised or unlawful disclosures of your personal and confidential information made by third parties who are not subject to our control, for example advertisers and websites that have links to our Site. You should take note that the information and privacy practices of our business partners, advertisers, sponsors or other sites to which we provide hyperlinks, may be different from ours. We also cannot warrant the security of the information, which you transmit to us. We collect information to provide better services to all of our users – from figuring out basic stuff like which language you speak, to more complex things like which ads you’ll find most useful, the people who matter most to you online, or which YouTube videos you might like. We categorise information about you (collectively referred to as “Personal Information”) as follows: Information about your personal identity such as gender, age, etc. Your financial information such as your banking details and any information relating to your income and lifestyle levels (if requested and provided); and Your contact details such as your physical addresses, postal addresses, telephone, mobile and fax numbers and the like (if requested and provided). Payment and Account Information: Your account history with us including (without limitation) all billing information and communications, payment history, etc (if requested and provided). We maintain this in encrypted form on secure servers Service Usage: Information about your navigation using our Services, for example the URLs of websites, which you visit and from which you request downloads. Log information: Information such as your web request, IP address, browser type, browser language, date and time of request. Transactional Information: Transactional history (other than banking details) about your e-commerce activities (if requested and provided). Correspondence Information: Content, information about your correspondents, and the destination/origin of communications between you and any other person using our Services, which include email communications, comments, blog, chat room and discussion board communications, instant message communications, experts forum communications, contests and entries, fax mail communications, membership of mailing lists, etc. User IDs: Your usernames, nicknames, passwords, email addresses and other security-related information used by you in relation to our Services. Stored Information: Data either created by you or by a third party and which you wish to store on our servers such as image files, documents etc. Profiling Information: Information which you provide when you Subscribe or register for a Service: Information about your personal identity such as gender, age, etc.; Your financial information such as your banking details and any information relating to your income and lifestyle levels (if requested and provided); and Your contact details such as your physical addresses, postal addresses, telephone, mobile and fax numbers and the like (if requested and provided). Payment and Account Information: Your account history with us including (without limitation) all billing information and communications, payment history, etc (if requested and provided). We maintain this in encrypted form on secure servers Information from Google’s Interest-based advertising or 3rd-party audience data (such as age, gender, and interests) with Google Analytics: – We use Google Analytics tracking code to track our site’s traffic. This code also supports Display Advertising. The Google Analytics features include Google Analytics Demographics and Interest Reporting that we have implemented based on Display Advertising. We only collect your Personal Information to conduct our business and to enable us to deliver and improve our Services. We will only disclose your Personal Information in accordance with this Privacy Policy. If we want to use it for any other purpose, we will obtain your prior written consent. If you decline to submit personal information to us, then we will unfortunately not be in a position to provide the Services to you. Any of your information which you provide when you use our Services in an unencrypted manner and/or to an open, public environment or forum including (without limitation) any blog, chat room, albums, community, classifieds or discussion board, is not confidential, does not constitute Personal Information, and is not subject to protection under Privacy Policy. Since such public environments are accessible by third parties, it is possible that third parties may collect and collate and use such information for their own purposes. You should accordingly be careful when deciding to share any of your Personal Information in such public environments. Information, which is disclosed publicly, is also shared with our affiliates, third party service providers, sponsors of competitions, etc. unless expressly stated otherwise. We are not liable to you or any third party for any damages that you or any third party may suffer howsoever arising from your disclosure of Personal Information in any public environment. You accordingly disclose information in a public environment at your own risk. Right to collect By accepting the Terms you agree that we may collect and store your Personal Information as long as you Subscribe to or use our Services subject to the limitations set out in this Privacy Policy. We collect your Profiling and Account Information for the following reasons: We need your identity details, contact details, banking information (if requested and provided) and account history (if requested and provided) to manage our relationship with you and provide Services to you. We will only disclose this information as provided for in clause 1.3 below. We use certain of your information in an aggregated form to compile statistical and demographical profiles for our business and marketing activities. We may disclose such information about you, provided that the information is in an aggregated form that is not capable of being used or interpreted in such a manner as to identify you. We collect and store your Correspondence Information and Personal Identifiers to: determine and verify the Service Charges payable by you and to administer our relationship with you; comply with any statutory or regulatory requirement; compile statistical and demographical profiles about you for our business and marketing activities and to customise our Services to you. While we are entitled to use such information about you for our own internal business purposes without limitation, we will only disclose it in a non-aggregated form which is not capable of being used or interpreted in such a manner as to identify you; and monitor your use of our Services for the purposes of ensuring compliance with our User Rules. We collect and store your Correspondence Information and Personal Identifiers to: comply with our obligations under clause 1.3 below; and monitor your use of our Services in order to ensure your compliance with our User Rules as provided for in clause 1.3 below. We will only disclose Correspondence Information and Personal Identifiers under clause 1.3 below. We may scan your Stored Information to ensure that you comply with clause 1.3 below. Any Personal Information which we collect and which we may use in an aggregated format is our property. We may use it, in our sole discretion and without any compensation to you, for any legitimate purpose including (without limitation) the commercial sale thereof to third parties. Some of our own websites use “cookies” so that we can provide you with more customised information when you return to our website. “Cookies” are used to store user preferences and to track user trends, so as to enhance your interactive experience and generally improve our Services to you. You can set your browser to notify you when you are sent a “cookie”, giving you the chance to decide whether or not to accept it. If you do accept a “cookie”, you thereby agree to our use of any Personal Information collected by us using that Cookie. You may update your Profiling Information at any time by using the personalise function. You acknowledge and agree that in the interests of improving personalisation and Service efficiency, we may, under controlled and secure circumstances, share your Personal Information with our affiliates (an entity which is our subsidiary or holding company or a subsidiary of our holding company or an entity which controls, is controlled by or is under common control with us). General exceptions If we are required to intercept, disclose, monitor and/or store your Personal Information: by law; to conduct our business; to secure our systems; or to enforce our own rights, we will do so in the manner as prescribed by legislation. Such interception, disclosure, monitoring and storage may take place without your knowledge. In that case, we will not be liable to you or any third party for any damages howsoever arising from such interception, disclosure, monitoring and storage. In order to ensure that all our Users comply with the User Rules, we may monitor your Personal Information to the extent that this may be required to determine compliance and/or to identify instances of non-compliance. To ensure that the security and integrity of our Services are safeguarded, we may monitor your Personal Information. This monitoring may include (without limitation) the filtering of incoming and outgoing electronic data messages to identify, limit and/or prevent the transmission of spam, viruses and/or unlawful, defamatory, obscene or otherwise undesirable material or content. We may under certain circumstances procure an element of the Services from a third party service provider; for example we may use third party advertising companies to serve advertisements when you visit our Website. To the extent that it may be necessary, and solely for the purposes of providing the Service to you, you agree that we may disclose to such third party any of your Personal Information that may be necessary for the procurement of services from the third party. These companies may also use information (not including your name, address, email address or telephone number) about your visits to this and other Websites in order to provide advertisements about goods and services of interest to you. More information about this practice and your choices about not having this information used by these companies would be available with the respective third parties. Also, you can visit http://www.networkadvertising.org/choices for information on how to opt-out of the use of such technologies for the delivery of more relevant advertising. Using the Google Ads Settings https://www.google.com/settings/ads, you can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads. You can also opt-out by downloading and installing the Google Analytics Opt-out Browser Add-on https://tools.google.com/dlpage/gaoptout/ for your web browser. In addition to the general limitations in the above terms, we will not be liable to you or any other third party for any damages suffered by you or any other third party howsoever arising from the disclosure of your Personal Information. Your only remedy under such circumstances will be to end this agreement.