Please read these terms of services carefully before accessing or using the services.

If you do not agree to these terms of service, you may not access or use the services. By clicking on “submit” or “i agree” you acknowledge that you have read and understood all of the terms of this agreement and your intent that it will be binding between you and us.

Our Relationship With You

1.1. These are the terms and conditions (“Terms of Service”) relevant to the Services we supply. These Terms of Service refer to the following additional terms which also apply to your use of our Services:-
1.1.1. Our Terms of Use;
1.1.2. Our Privacy Policy;
1.1.3. Our Acceptable Use Policy;

1.2. The above terms and conditions and policies are hereby incorporated by reference and together is the agreement (“Agreement”) between us and you. If there is any conflict between the above terms and conditions/policy and the Terms of Service the latter will prevail;

1.3. You acknowledge and agree that the provision of our Services to you creates a direct business relationship between us and you.

1.4. You expressly agree that no joint venture, partnership, or agency relationship exists between you and us and that neither of us (except where agreed in writing under these Terms of Service) have the authority to bind each other or hold ourselves out as an agent or authorised representative of the other.
Amendment To These Terms Of Service

We may amend the Terms of Service related to the Services from time to time. Amendments will be effective upon our posting of such updated Terms of Service on our website or the iProtect Exchange platform. Your continued access or use of the Services after such posting constitutes your consent to be bound by the Terms of Service (as amended).

Your Service Account

3.1. In order to use most aspects of the Services, you must register for and maintain an active personal user Services account (“Service Account”).

3.2. You must be 18 years and older, to obtain a Service Account.

3.3. Service Account registration requires you to submit to us certain information. You agree:-
3.3.1. To maintain accurate, complete, and up-to-date information in your Service Account.
3.3.2. That your failure to maintain accurate, complete, and up-to-date Service Account information, may result in your inability to access and use the Services or Our termination of this Agreement with you;
3.3.3. That we may use the information you provide us with to submit to our selected service provider to verify who you are, including but not limited to verify whether your account details submitted to us are accurate or not.

3.4. Submission of your information as per the registration form does not automatically give you the right to access the Services. We have the right not to grant you access to a Service Account or to revoke such right and disable any user identification code, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Service.

3.5. On acceptance of you registration information you will be allowed to select or provided with the necessary access credentials or any other piece of information as part of our security procedures; You must treat such information as confidential. You must not disclose it to any third party. TAKE NOTE: full utilisation of the Services may be subject to further verification (see 4.6 below)

3.6. Verification information: In certain instances you may be asked to provide additional information to access or use the Services. The additional information shall only be utilised to verify your details. You agree that you may be denied access to or use of the Services or part thereof if you refuse to provide the requested information. We will notify you if we cannot verify your identity or whether your banking details are correct.

3.7. You are responsible for all activity that occurs under your Account, and you agree to maintain the security and secrecy of your Service Account details at all times. You may only possess one Service Account and may not assign or transfer same.

3.8. You may not authorise third parties to use your Service Account.

3.9. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at:

3.10. You may not assign or otherwise transfer your Service Account to any other person or entity.

Electronic Communications

4.1. By creating a Service Account, you agree that we may send you information via your preferred selected communication option as part of the normal business operation of your use of the Services. You may opt-out of receiving such electronic communications by either:-
4.1.1. unsubscribe from the electronic communication as per the available functionality;
4.1.2. email us on Electronic communications may impact your use of the Services.

4.2. Take note, that unsubscribing from electronic communications from us to you may result in certain functions of the Services not working.


5.1. The whole Agreement: These Terms of Service expressly supersede prior agreements or arrangements with you, except obviously for those terms and conditions that are incorporated by reference to these Terms of Service.

5.2. Assignment: You may not assign these Terms of Service without our prior written approval. We may assign these Terms of Service without your consent to: (i) a subsidiary or affiliate; (ii) an acquirer of our equity, business or assets; or (iii) a successor by merger. Any purported assignment in violation of this section shall be void.

5.3. Third Party beneficiary. Except as specifically stated in these Terms of Service, nobody else has any rights under this Agreement. This Agreement is between you and us. No other person shall have any rights to enforce any of its terms.

5.4. If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

5.5. Even if we delay in enforcing this Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the products, we can still require you to make the payment at a later date.