Futurepay Global Limited - Terms and Conditions

1. Scope and Acceptance

1.1. Scope

1.1.1. These terms and conditions, composed of Part I (General Terms of Use) and Part II (Additional Terms of Use), (collectively, the "Terms") govern your use of the following services (collectively, the "Services") offered or managed by Futurepay Global Limited ("FutureShop") and/or its affiliates and subsidiaries (collectively referred to as "FutureShop" and "we", "us" or "our"):

(a) The website (www.futureshop.global), along with access to it and all its links and functions;

(b) The FutureShop mobile application, the FutureShop website (www.futureshop.global), and all other platforms through which FutureShop is accessible ("FutureShop");

(c) User accounts registered through FutureShop (a "Future Account");

(d) Payment facilitation and/or reselling services via FutureShop, wherein you may make purchases from FutureShop, its third-party merchants (the "Publishers"), and/or payment channel partners (the "Payment Channels"), and make payments through payment methods made available by Futurepay on the above-mentioned platforms;

(e) Other FutureShop applications, websites, and/or services that link to these Terms.

1.1.2. Unless specified otherwise in these Terms, the Terms are hereby entered into and agreed upon between you and FutureShop.

1.2. Acceptance

By using any of the Services, you consent to and accept these Terms and agree to be bound by them. IF YOU DO NOT ACCEPT OR AGREE TO THE TERMS, YOU SHOULD IMMEDIATELY STOP USING AND/OR ACCESSING THE SERVICES.

1.3. Amendments

FutureShop reserves the right to make changes at any time to these Terms or any of the policies or notices relating to its platforms, sites, or applications. Such changes will be effective immediately upon publication on www.futureshop.global (the "FutureShop Sites"), or other FutureShop applications, websites, and/or platforms. FutureShop will also post a notice on these platforms to inform users of the new Terms, and the date of the last revision is set out at the top of the Terms. It is your responsibility to regularly check the aforementioned sites for the latest version of the Terms. Your continued use of the Services or any of the foregoing platforms following any changes to the Terms shall be deemed as continued acceptance of the revised Terms.

1.4. Updates

FutureShop may provide new features, upgrades, updates, patches, and other modifications to the Services (collectively, the "variations"). We may update, patch, or modify the FutureShop Sites, the mobile application, or any of our platforms remotely. You hereby grant to FutureShop the right to deploy and apply such variations. All provisions of these Terms of Service shall also apply to all such variations.

2. Use of the Services

2.1. Application of Terms through Use

These Terms shall apply regardless of how you access or use any of the Services, including but not limited to mobile devices, desktop devices, mobile applications, internet browsers, or any other device, application, or software.

2.2. License for Use

2.2.1. FutureShop grants you a non-exclusive, non-transferable, limited right and license to access and use the FutureShop Sites and/or the Services for your personal and non-commercial use, subject to these Terms.

2.2.2. FutureShop reserves the right to terminate such license without prior notice to you if it is found that your use of the Services violates these Terms.

2.3. Access and Use of Services and FutureShop Sites

2.3.1. The Services allow you to purchase certain digital content, such as gift codes, app/game credits, and vouchers from FutureShop or its Publishers via the FutureShop Sites or through the Publishers' sites or platforms, and make payment for such purchases through the Payment Channels by:

(i) Redeeming or consuming prepaid mobile credits issued by your mobile network operator;

(ii) Having the value of such purchase added to your postpaid mobile bill issued by your mobile network operator; or

(iii) Using one of the other payment options offered by FutureShop's payment channel partners, such as e-wallets, voucher redemptions, over-the-counter payments at participating convenience stores, credit cards, and bank transfers.

For credit card or bank transfer payments, any banking or credit card details that you provide are collected directly by the Payment Channels, who are the relevant banking institutions, card issuers, or card aggregators. These details are not collected, stored, or processed by FutureShop.

2.3.2. Purchases made using the Services will be in one of two forms, where:

(a) You purchase gift codes, in-app/game credits, and vouchers directly from third-party Publishers ("Publisher Codes") as the merchant on record, and FutureShop provides facilitation services to the Publishers by processing and collecting payments for the purchased Publisher Codes for and on the Publishers' behalf;

(b) FutureShop resells the Publisher Codes directly to you, as the merchant on record.

2.4. Payment Facilitation and Digital Content Reselling Services

2.4.1. You initiate and make a purchase by choosing to purchase Publisher Codes via (i) the relevant Publisher's site or mobile platform, where you will be routed to the FutureShop Sites to make payment; or (ii) FutureShop.

2.4.2. To make payments via the Services, you must have a valid and eligible mobile phone account with one of our partner mobile network operators or a valid payment instrument issued or recognised by the Payment Channels.

2.4.3. You are fully liable for the use of your payment accounts or instruments via the Services. You acknowledge and accept that FutureShop has no liability for any unauthorized use or access by third persons of your accounts or your payment instruments.

2.4.4. FutureShop, the Publishers, and/or the Payment Channels reserve the right and discretion to reject or decline any transaction for any reason or set limits on transaction types and/or amounts.

2.5. Publisher Codes

In respect of Publisher Codes purchased through any of the FutureShop Sites or using any of the Services, the relevant Publishers that issued the purchased Codes, and not FutureShop, are solely responsible for redeeming the Codes and for providing goods or services to you in exchange. Unless otherwise noted on the relevant product information page on the FutureShop Sites, Publisher Codes do not expire.

2.6. Modification of Services

FutureShop reserves the right to change, modify, suspend or discontinue the Services in part or whole at any time, with or without notice to you. Any changes or modifications may be reflected in these Terms according to the section on Amendments.

2.7. Taxes, Charges, and Fees

You are responsible for any taxes, duties, currency exchange fees, data charges, and related charges on purchases that you make as a result of or in the course of using any of the FutureShop Sites or Services.

2.8. Disputes Handling

If you are dissatisfied with any Publisher Codes purchased using the Services, or if you believe that you have been charged in error, please directly contact the following in order to resolve the issue:

(a) FutureShop, for purchases made on FutureShop; or

(b) The Publisher, for all other transactions.

If you are unable to resolve the issue with the Publisher directly, you may file a dispute or complaint against the Publisher with us. You must not make any false or misleading statements when filing, or during the subsequent investigation of, a dispute. FutureShop will investigate all disputes that are filed with it and will make reasonable efforts to resolve them. However, the ultimate resolution of such disputes shall be at FutureShop's sole discretion.

2.9. Error Handling

As part of or separate from the dispute handling process, FutureShop may determine that a mistake has been made that affects you. If FutureShop determines that you have been incorrectly charged or overcharged, FutureShop will credit your account or otherwise arrange for a refund to rectify the mistake. If FutureShop concludes that you were not charged when you ought to have been, or that you have been undercharged, FutureShop may debit or charge your account or otherwise collect a payment to rectify the mistake accordingly.

3. Consumer Protection

3.1. Product Descriptions

FutureShop takes every effort to ensure that the product descriptions on FutureShop are as accurate as possible. However, to the extent permitted by law, we do not warrant that such product descriptions are complete and accurate.

3.2. Refunds

You acknowledge and understand that transactions successfully made using any of the FutureShop Sites or Services are final. No returns will be accepted, and no refunds will be issued unless expressly specified otherwise in these Terms. In the event that a refund will be made to you after dispute and/or error handling as outlined in the sections on Disputes and Error Handling, the time frame to credit the refund to your bank or payment service account shall depend on the Payment Channel used or your bank or payment service provider.

4. FutureShop User Accounts

4.1. Account Services

At your option, you may register for a Future Account, which allows you to:

(a) Access certain reward schemes or promotions on FutureShop;

(b) Track or keep records of purchase transactions you have made on FutureShop; and

(c) Use any other features of the Services or the FutureShop Sites that may only be available to registered users.

4.2. Account Verification

If you sign up for a Future Account, you confirm that you have provided FutureShop with complete and accurate information about yourself for verification purposes, and that you are responsible for maintaining the confidentiality of your Future Account, its password, and all activities that occur under your Future Account. In the event of any unauthorized access to your Future Account, you shall notify FutureShop immediately.

4.3. Transaction History

You may access a record of all your successful and failed purchases or top-ups on your Future Account page at www.futureshop.global. If there is any mistake or missing information, please contact us via the Help Center. We will take the steps necessary to resolve the matter as soon as reasonably practicable.

4.4. Closure or Suspension of Future Account Due to Breach

FutureShop reserves the right at its sole discretion to permanently close or suspend your Future Account or your access to it at any time if:

(a) You attempt to engage in, or indirectly or directly engage in any conduct prohibited under these Terms;

(b) You breach any clause of these Terms, and if the breach may be remedied, you fail to do so within thirty (30) days from receiving written notice from FutureShop specifying such breach;

(c) FutureShop is required to do so by any regulatory authority or law enforcement body;

(d) You become or are subject to bankruptcy proceedings;

(e) You have provided us with false or inaccurate information and have failed to provide us with the true or correct information within fifteen (15) days from receiving written notice from FutureShop requesting such information;

(f) FutureShop has determined that the security of your Future Account has been compromised, or your account has been accessed in an unauthorized manner, and you fail to take action within five (5) days from receiving written notice from FutureShop specifying the required corrective actions;

(g) You fail to comply with these Terms or any additional terms that apply to the Services.

4.5. Voluntary Closure of Future Account by User

You can choose to close your Future Account permanently, at any time and for any reason, upon giving thirty (30) days of prior written notice to FutureShop via www.futureshop.global. All transactions that you have made prior to such closure must be paid, and FutureShop reserves the right to deduct from your balance any unpaid fees, surcharges, or costs that you may have incurred before closing your Future Account.

5. User Content

5.1. User Content

You are responsible for all content that you transmit, publish, share, send, or post, whether publicly or privately (the "User Content"), on FutureShop platforms. FutureShop does not assume any responsibility or liability for the User Content, and it has no obligation to constantly monitor, moderate, or review the User Content. However, FutureShop may remove User Content that violates these Terms upon request by any other user or at its own discretion.

5.2. No Misrepresentation

You shall not misrepresent your identity, impersonate any person or entity, or mislead other users as to the origin of the User Content that you transmit, publish, share, send, or post.

5.3. User Content Restrictions

You shall not transmit, publish, share, send, or post User Content that:

(a) Harasses, bullies, or threatens other users, persons, or groups;

(b) Discriminates or promotes hate and/or violence against other users, persons, or groups, including on the basis of ethnicity, race, gender, sex, religion, disability, or any other identity trait or vulnerability;

(c) Is defamatory or libellous;

(d) Is offensive, obscene, graphic, or sexually explicit;

(e) Violates the prohibitions on user conduct as set out in the section on User Obligations;

(f) Infringes upon intellectual property rights in any way or violates the section on Use and Ownership of Intellectual Property;

(g) Invades the privacy of other users or persons in any way or violates the section on Personal Data and Confidential Information;

(h) Violates any other provision of these Terms or is in any way illegal or unlawful.

5.4. Rights over User Content

You represent and warrant that (i) you own or have the rights to transmit, publish, share, send, or post the User Content; and (ii) the User Content does not violate these Terms and any relevant laws or regulations applicable in your jurisdiction.

5.5. Removal of User Content

You accept and agree that FutureShop may remove your User Content if it violates this section or any part of these Terms, without prejudice to FutureShop's discretion to suspend or close your Future Account.

6. User Obligations

6.1. In Respect of Your Purchases

You confirm that:

(i) You are purchasing the Publisher Codes via the Services for your own exclusive and personal consumption;

(ii) You shall have no right to reproduce, replicate, distribute, or otherwise exploit any content, goods, or services provided to you; and

(iii) You at all times comply with all applicable laws, rules, and regulations in your purchase and use of the Publisher Codes.

6.2. Prohibited Conduct

In using any of the Services, you shall not carry out any of the following acts, nor use the Services to engage in the following acts:

6.2.1. Fraud and Unlawful Conduct

(a) Use the Services in any way that violates any applicable law, ordinance, or regulation, or for any unlawful purpose;

(b) Use the Services to violate, intentionally or unintentionally, any applicable local, state, national, or international law, rule, code, directive, guideline, policy, or regulation including without limitation laws and requirements (whether or not having the force of law) relating to anti-money laundering or counterterrorism;

(c) Use the Services to impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity;

(d) Disguise your origin, place of residence, or any identifiers, intentionally or otherwise, to get around any geographical restrictions or avoid terms that apply to a specific country, to purchase products and/or services not available or applicable in your country of residence, or for any other unlawful purpose;

(e) Remove any proprietary notices from the Services;

(f) Charge others to use the Services;

(g) Use the Services for any commercial purpose or the benefit of any third party or any manner not permitted by the licenses granted herein; or

(h) Use the Services for any fraudulent purposes.

6.2.2. Abuse, Harassment, and Interference with User Experience

(a) Interfere with any other users' use of the Services;

(b) Interfere with, manipulate, or disrupt the Services or servers or networks connected to the Services or any other users' use and enjoyment of the Services, or disobey any requirements, procedures, policies, or regulations of networks connected to the Services;

(c) Disrupt the normal flow of dialogue or otherwise act in a manner that negatively affects other users' ability to engage in real-time exchanges;

(d) Upload, post, email, transmit, or otherwise make available to any other user or person any material that contains software viruses, worms, Trojan horses or any other computer code, routines, files, or programs designed to directly or indirectly interfere with, manipulate, interrupt, destroy, or limit the functionality or integrity of any computer software or hardware or data or telecommunications equipment;

(e) Upload, post, email, transmit, or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other unauthorized form of solicitation; or

(f) Upload, post, email, transmit, or otherwise make available any content through the Services that is unlawful, harmful, threatening, abusive, harassing, alarming, distressing, tortious, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or discriminatory, or otherwise objectionable.

6.2.3. Damage to FutureShop's Business, Platforms, or Services

(a) Attempt to harm, disrupt, or otherwise engage in activity that diminishes the business and reputation of FutureShop and the capacity of the FutureShop Sites to serve other users, or hamper or interrupt the provision by FutureShop of the Services in any way;

(b) Attempt to decompile, reverse engineer, disassemble or hack the Services (or any portion thereof), or to defeat or overcome any encryption technology or security measures established by or for the benefit of FutureShop with respect to the Services and/or any data transmitted, processed, or stored by FutureShop;

(c) Attempt to gain access to any account, computers, or networks related to the FutureShop Sites and Services without proper authorization; or

(d) Take any action or engage in any conduct that could directly or indirectly damage, disable, overburden, interfere with, or impair the Services or the servers or networks connected to the Services.

6.2.4. You understand that the enumeration of acts above is not exhaustive, and that acts analogous to those enumerated above, or those that are unlawful, fraudulent, abusive, or damaging in a similar manner, shall also be prohibited.

7. Use and Ownership of Intellectual Property

7.1. FutureShop owns or holds all necessary licenses to all intellectual property rights (including all existing and future copyright, trademarks, and patent rights) in all information, text, material, graphics, logos, icons, sound recordings, software, and source code on the FutureShop Sites, including the platforms through which FutureShop provides you the Services ("Subject Matters").

7.2. Unless provided otherwise in these Terms, all third-party content on the FutureShop Sites is owned by or licensed to FutureShop in accordance with the relevant laws.

7.3. Except as expressly authorized by these Terms, you have no right, title, or interest in or to the Subject Matters. You may not, without our express written permission (or that of our suppliers or licensors, where applicable), in any form or by any means:

(a) Adapt, reproduce, modify, display, perform, publish, distribute, disseminate, broadcast, circulate, or create derivative works from any of the Subject Matters (including, without limitation, the display and distribution of any of the Subject Matters via third-party websites or other networked computer environments); or

(b) Commercialize any information, goods, or services from or in connection with any of the Subject Matters.

8. Personal Data and Confidential Information

8.1. Privacy Policy

FutureShop may access, collect, disclose, and/or process your personal data in the course of providing you with the Services. You acknowledge, accept, and understand that such access, collection, disclosure, and/or processing shall be in accordance with FutureShop's Privacy Policy.

8.2. User Obligations Relating to Personal Data

In using the Services, you agree not to in any way:

(a) Harvest or collect any information about or regarding other users or persons, including without limitation any personal data or information;

(b) Use the Services to collect or store personal data about other users or persons in connection with the prohibited conduct and activities set forth in the section on User Obligations; and

(c) Transmit, publish, share, disclose, or post another individual's confidential or personal information.

8.3. Confidential Information

You shall not upload, post, email, transmit, or otherwise make available through the Services any content that you do not have a right to make available under any law or under any contractual or fiduciary relationships (such as inside information or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).

9. Indemnification and Liability

9.1. Indemnification

You agree to indemnify, defend, and hold harmless FutureShop, its affiliates and subsidiaries, and their respective officers, directors, employees, agents, licensors, representatives, and third-party providers, from and against any and all claims, actions, proceedings, losses, liabilities, expenses, damages, and costs, including but not limited to attorneys' fees, arising out of or in connection with your use of the Services and/or any violation by you of these Terms.

9.2. Limitation of Liability

9.2.1. To the maximum extent permitted by applicable law, FutureShop and its respective employees, directors, agents, and representatives will not be liable for any indirect, incidental, punitive, or consequential damages arising out of or in connection with your use of the FutureShop Sites and/or the Services (including the inability to use the Services), or any Publisher Codes purchased or transactions entered into via the Services.

9.2.2. To the extent permitted by applicable laws, in no event will the aggregate liability of FutureShop and its respective employees, directors, agents, and representatives arising out of or in connection with these Terms or the transactions contemplated herein, whether in contract, tort (including negligence, product liability, or other theory), warranty, or otherwise, exceed the amount of payment that you have made via the Services, in respect of the transaction giving rise to the claim for liability.

9.2.3. FutureShop shall in no event be liable to you for any failure or delay by FutureShop or its employees, agents, or representatives to perform its obligations under these Terms, regardless of whether the failure or delay is caused by an event or condition beyond its control. The laws of some jurisdictions do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you may have rights in addition to those contained in these Terms. FutureShop's liability is limited to the greatest extent permitted by law.

9.2.4. Notwithstanding any law, rule, or regulation to the contrary, you agree that any claim you may have arising out of these Terms must be brought or filed before the relevant tribunal in the jurisdiction where you are located within one (1) year after such claim could be first filed. Any claims brought after such period shall be forever barred.

10. No Warranty and Disclaimer

10.1. The Services are Provided "As Is"

The Services are provided on an "as is" basis. We do not guarantee that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful computer software.

10.2. Disclaimer of Warranties

To the fullest extent permitted by applicable law, FutureShop makes no representations or warranties of any kind, express or implied, regarding the FutureShop Sites or the Services, including without limitation, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement of third-party rights.

10.3. Control over Publisher Goods or Services

FutureShop has no control over the quality, fitness for purpose, safety, reliability, legality, or any other aspect of any good or service provided by a Publisher that you purchase using the Services. Except as otherwise indicated in these Terms, FutureShop shall not be obliged to issue refunds if a purchase does not meet your expectations, or if the relevant Publisher does not fulfill its commitments, although FutureShop will make reasonable efforts to assist you in these matters as described under the sections on Disputes and Error Handling. FutureShop has no obligation, and cannot guarantee, that it will resolve any disputes related to your transaction to your satisfaction.

10.4. Suspension or Termination of Services

FutureShop may, at its sole discretion and at any time, suspend or terminate your access to or disable your use of the Services and/or the FutureShop Sites for any reason without prior notice to you, including if FutureShop suspects fraud, illegal, unauthorized, or improper conduct on your part, or if you have breached any part of these Terms. FutureShop may also impose limits on the type and/or amount of transactions you are allowed to make using the Services at any time in its sole discretion without prior notice.

10.5. Dependency on Service Providers

You agree and understand that the availability of the Services is dependent on the network and systems availability of our service providers, the Payment Channels, the Publishers, and/or our affiliates and subsidiaries.

10.6. Delays, Interruptions, and Disruptions

The Services and/or any of the FutureShop Sites may from time to time be delayed, interrupted, or disrupted for an indeterminate period of time. In the event of any of the above-mentioned circumstances, FutureShop shall not be liable for any claims arising from or in connection with any such delays, interruptions, disruptions, limitations, suspensions, termination, or the like to the Services and/or the FutureShop Sites.

11. General Provisions

11.1. Links to Third-Party Sites

Links to third-party sites provided through the Services may lead you to leave the FutureShop Sites. Please note that the linked sites may not be under the ownership or control of FutureShop in any manner whatsoever, and you therefore access them at your own risk. FutureShop is not responsible for the contents, terms of use, or privacy practices of any such linked site, or any link contained within a linked site, including any changes or updates to such sites. The inclusion of any third-party link does not in any way imply or express affiliation, endorsement, or sponsorship by FutureShop of any linked site and/or any of its content therein.

11.2. Notices

We may make any notices that we may be required by law to make in electronic format (such as but not limited to when you visit the FutureShop Sites or platforms, via forms or emails, when FutureShop posts notices or updates to these Terms, or when FutureShop communicates with you via your email or mobile phone number). You consent to receive communications from us in electronic form and agree that all terms and conditions, notices, rules, disclosures, policies, and other communications from FutureShop provided electronically to you shall be deemed to satisfy any legal requirement relating to communications in writing and shall be deemed to be given on the date of the electronic communication.

11.3. No Waiver

FutureShop's failure or delay in enforcing any right or provision under these Terms shall not be construed as a waiver or limitation of its right to subsequently enforce these Terms and compel strict compliance therewith.

11.4. No Endorsement

References to goods, services, and/or businesses on any of the FutureShop Sites do not constitute or imply an endorsement, approval, or recommendation by FutureShop of those goods, services, and/or businesses.

11.5. Termination

FutureShop may, at its sole discretion, terminate your access to any of the FutureShop Sites, the Services, and/or your Future Account if you breach any of the Terms. In the event of termination, the provisions of the section on Indemnification and Liability shall survive.

11.6. Security

FutureShop takes all reasonable steps to preserve the security of the information that you provide to it. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Whilst FutureShop strives to protect all data transmissions over the Internet (including your information) and has adopted substantial measures to mitigate security risks, FutureShop does not warrant and cannot ensure the absolute security of any information which you transmit to FutureShop. As such, any information which you transmit to FutureShop is transmitted at your own risk.

11.7. Relationship

Nothing in these Terms is intended to or creates any type of joint venture, employee-employer, creditor-debtor, escrow, partnership, or any fiduciary relationship between you and FutureShop.

11.8. Assignment

You may not assign any of your rights or obligations under these Terms, or any part of it, to any other party without our prior written approval. Any attempt by you to do so without our prior written approval shall be deemed null and void. We are, however, entitled to assign these Terms and/or any of our obligations, in whole or in part, at any time, to any FutureShop affiliate or subsidiary or any third party, with or without notice to you.

11.9. Localised Terms

These Terms were prepared in English. To the extent that any translated localised version of the Terms conflicts with the English version, the terms of the English version prevail. For localised terms for select jurisdictions, please refer to Part II (Additional Terms of Use).

11.10. Entire Agreement

These Terms constitute the entire agreement between you and FutureShop, and supersede and cancel all prior and contemporaneous agreements, claims, representations, and understandings relating to the subject matter of these Terms. No modification or amendment of these Terms will be binding on FutureShop unless agreed to by FutureShop, set forth in writing, and published in the same manner as previously binding versions.

11.11. Separability

If any of the provisions of these Terms is held by a court of competent jurisdiction to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

11.12. Governing Law

Unless otherwise stated in Part II (Additional Terms of Use):

11.12.1. These Terms shall be governed by and construed according to the laws of Hong Kong without regard to its conflicts-of-law provisions.

11.12.2. We (or the relevant FutureShop entity) shall endeavour to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity or termination), but in the event that such efforts shall fail, such dispute shall be referred to and finally resolved by arbitration administered by the Hong Kong International Arbitration Centre ("HKIAC") in accordance with the Arbitration Rules of the HKIAC for the time being in force, which rules are deemed to be incorporated by reference into this section on Governing Law. The seat of arbitration shall be Hong Kong, and the Tribunal shall consist of one (1) arbitrator. All arbitration proceedings shall be in the English language. The decision of the arbitrator shall be final and binding.

12. User Declarations

12.1. Age

The Services are not directed to persons under the age of majority in your country (a "minor"). Subject to specific age restrictions imposed in your country, and unless otherwise set forth in these Terms, permission and consent from a parent or legal guardian to use the Services is required for minors. By proceeding with the use of the Services, such parent or legal guardian will be deemed to have agreed to these Terms on the minor's behalf and will be responsible for the use of the Services, including the creation and use of the minor's Future Account, purchases or transactions made by the minor, and whether or not the minor was under supervision during such purchase. As such, purchases cannot be canceled on the ground that they were made without the permission, consent, and/or supervision of the parent or guardian.

12.2. Use for Lawful Purposes

You will use the Services for lawful purposes only and in accordance with these Terms and all applicable laws, rules, codes, directives, guidelines, policies, and regulations.