By accessing, browsing, using and carrying out other activities provided by the Brankas website, web and mobile applications and related services ("Platform"), you agree that you have read, understand and agree to these Terms of Use. These Terms of Use constitute a legal agreement between Registered Users or End Users (or “You” or “Your” or “Registered Users” or “End Users”) and Brankas including its subsidiaries and affiliates (collectively "Company", "Brankas" , "we", or "us". If you choose not to agree with these Terms of Use, you can stop using the Platform and the services Brankas provides.

The applicable Brankas Terms of Use are those stated on this website. Brankas may update or change the terms of Use from time to time. If Brankas makes updates or changes, Brankas will announce them on the Brankas website (https://brankas.com) and other communication channels within 30 (thirty) working days before the changes become effective. For any questions about these Terms of Use, you can submit them via e-mail privacy@brank.as or chat service via the widget in the lower right corner, with the Brankas Service Officer at https://brankas.com.

You hereby agree to abide by these Terms of Use, regardless of whether you are an End User or a user who is simply visiting the Platform ("Visitor"), by using the information, tools, features and functionality located on this Platform.

The Company recommends that regardless of whether you are a Visitor or an End User proposing to use the Services (as defined in section 2) provided by the Company, to carefully read all Terms of Use as specified herein. The displayed Terms of Use are recommended to be retained for future reference and for your own records. You can also print these Terms.

The Company hereby states that the Services provided or offered by this Platform and the Terms of Use that you must comply with are only for individuals / entities who are permitted to enter and are bound by legal provisions in accordance with statutory regulations. If you are not legally permitted to enter into a contract or for some reason either due to your age or other reasons are not permitted to enter into an agreement, then you are not permitted to use the Services provided by this Platform or enter into an agreement in connection with the Terms of Use.

Your agreement to the Terms of Use and Utilization of Services means that you expressly represent to the Company that you are of sufficient legal age and nothing will void this Agreement. Company reserves the right to bind you to these Terms of Use.

In the event that you represent any particular party(s), company(s), third party or any entity, in any capacity, then you expressly confirm that you have the legal authority and right to do so for and on their behalf. By agreeing to these Terms of Use, you represent that you have the right to bind such individuals, company(s), third parties or entities to this agreement.

Services on or through this Platform have been made available to you for the specific purpose of aggregating your financial services. It is not intended to provide you with any certification, guarantee or guarantee. By accessing, browsing and using this Platform, you agree and acknowledge that you understand these prohibitions and Restrictions on use, and agree that you will not use the information and materials contained in this Platform for any purpose except as intended. You agree that, you are responsible for determining your specific requirements.

You are strictly prohibited from using the Brankas system or this Platform in an unauthorized manner, including but not limited to unauthorized entry into the Brankas system, misuse of passwords, or misuse of any information posted to this Platform.

You understand that Brankas can disclose and transfer any information that you provide through this Platform if required according to statutory provisions. You expressly agree and acknowledge that your use of the Platform may be monitored, tracked and recorded. Accordingly, you expressly consent to such monitoring, tracking and recording.

You are responsible for understanding the version of these Terms of Use that is posted on the Platform during each session. By continuing to access the Platform or Services, you agree to be bound by the updated Terms of Use. Any such revisions will be uploaded on the Company Platform and the Company may notify you about them.

This platform provides financial services aggregation and disbursement routing services to you. Brankas provides a standalone online service that allows you to view and manage your accounts provided by financial institutions and other services including payment initiation, reconciliation, disbursement, information provided in the Brankas Consumer Services unit, and other services or features provided in the Platform ("Service").

However, this Service does not and should not be construed as nor should it imply the provision of any professional services or advice relating to legal, financial or tax implications or any other related matter. This service is designed to help you easily view your account, initiate and manage payments, and reconcile transactions. Any professional advice or implications should be obtained from your personal advisor, and the Company or Platform is not responsible for the same.

Please note due to constant business developments, the Company strives to improve, enhance or revise the Services provided. This is done to provide you with better and more efficient service. Any such changes, improvements or revisions are implemented by the Company at its sole discretion. All changes will be updated on this Platform which you are responsible for becoming familiar with.

Regarding Brankas Direct

Brankas Direct is a funds transfer service that allows you to transfer funds instantly and digitally via the Brankas web and mobile application. Brankas Direct serves as a single integration point for Brankas Partners where you can transfer funds through various banks integrated with Brankas. Brankas Direct allows you to transfer directly using your bank. Brankas Direct also does not charge any fees for your transactions.

Transactions are processed directly from your source bank account to the recipient’s bank account and Brankas does not store funds. There are no additional transaction fees charged for using the Brankas Service.

Before accessing Brankas Direct, you will directly interact with Brankas Tap, Brankas’ front end interface that allows you to log in with your bank credentials with your source bank account. Brankas secures your credentials by performing consent-based authorization backed by strong customer authentication and authorization mechanisms, such as requesting your OTP and TFA as part of the Brankas flow. None of your bank’s security measures are circumvented. After each transaction, Brankas deletes your credentials. However, there may be situations where we store your credentials, which is done with your consent.

Service Fees from Using Brankas Direct

Your use of Brankas Direct may be accompanied by payment of a minimal service fee. Brankas does not set a price for integrating and using Brankas Direct on the Brankas Client platform. Fees are negotiated with the Brankas Client, and details of the fees and amounts you must pay to the Client’s destination bank account are stated transparently before you complete the transaction with the Brankas Client.

	Basic	Company
Transaction Fees	Rp1.500,- per transaction	Subject to agreement with our Client
Warranty	Without minimum value	Subject to agreement with our Client

In some Brankas products, after you agree to become an End User and utilize the services of the Brankas Platform, Brankas may request certain basic information for registration. Once you have provided Brankas with the details, Brankas will request additional information to provide you with services. All information you provide will be treated privately and confidentially. For more information, see section 13 below which discusses Security and Privacy.

Personal data relating to credentials, including but not limited to usernames, passwords and PINs stored on the Company’s servers or the servers of third party providers contracted by the Company will only be processed based on your consent. The Company will seek your consent whenever Brankas uses it outside the stated purpose. Brankas upholds the confidentiality and privacy of your data.

As a user who utilizes the Services, you will provide your personal information to Brankas either to retrieve or collect data or information from third party websites. These third party websites are managed by financial institutions where you have an account, banks and other legal entities.
The Platform does not and cannot assume any responsibility or accuracy for such information or data maintained by third parties whether in terms of accuracy, deletion, non-delivery or failure to store data, communications, etc. Brankas has provided Services for you to empower your choices as a financial consumer. For the avoidance of doubt, any agreement you enter into with a third party website maintained by a financial institution is an agreement made solely and directly between you and such financial institution, without any participation by the Company other than by making the Services available to you. By providing and providing Services to you through the Platform, the Company will not be construed as affiliated, connected, or associated with any such financial institution or third party, nor does the Company claim that it is an agent or representative of the Company.

The Platform or third parties may provide, or contain links to other World Wide Web sites or other resources. Responsibility for the operation and content of such websites will rest solely with the organization identified as controlling the third party website and will be governed by their separate terms and conditions. Links may be provided as a convenience, and the inclusion of any link does not imply endorsement by Company in any way of the linked site.

Because Company has no control over such sites and resources, you acknowledge and agree that Company is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources.

You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, goods or services available on or through any site or resource that power.

The Company will send all correspondence, notices and other communications to the email address you provide. If there is a change regarding the email address, it is your responsibility to update or change it.

The Company must maintain complete confidentiality and use all security measures to ensure that the information is not misused by any third party. If you become aware of any unauthorized information or misuse of the information you provided to the Company, you are requested to immediately contact the Company at privacy@brankas.com. The Company cannot and will not be liable for any loss or damage arising from your failure to comply with this provision.

Furthermore, you agree and understand that your right to access and use the Services offered on this Platform is personal and you cannot transfer it to another entity, except to the extent specifically provided for in section 8.

You understand that you are authorized to access and use the Services only for legal and lawful purposes.

You further agree and represent that by using the Services, you are in no way impersonating or misrepresenting any person or entity. All services provided are for yourself only. In the case of representing an individual, company(s), third party or other entity, you agree and represent that you are that individual, company(s), third party or entity. You are solely responsible for the consequences arising from such actions and the Company is not liable in any way to any person or entity.

You must update any changes in your registration information.

Access and use of the Platform may be interrupted from time to time for one of several reasons, including but not limited to, equipment failure, periodic updates, maintenance or repair of the Platform or other actions that may, in its sole discretion, occur on the Platform. The Company uses its best efforts to provide the Services without interruption or hindrance. However, Brankas does not warrant that the function, operation, security or accessibility of the Platform will be uninterrupted or error-free, that defects will be corrected, or that this Platform or the server that makes it available will be free of viruses or other harmful elements. As a user of the Platform, you agree that your access will be subject to these Terms of Use and such access is done at your own risk. Brankas will not be responsible for damages of any kind related to your use of or inability to access the Platform.

You expressly acknowledge that under no circumstances, you or your representatives are permitted to sublicense the Services or rights granted to you or generally exploit or alienate the rights granted by the Platform or this Company in accordance with these Terms of Use or by utilizing the Services from the Platform.

You further agree that regardless of whether you use Brankas’ services, and if you propose to use them for commercial purposes, you must immediately contact the Company at privacy@brankas.com for the pricing structure for commercial use. Any violation of this clause or use of any unauthorized remedies will be deemed a material breach and the Company reserves the right to immediately terminate your access and use of the Services.

The Company will provide support to you with respect to the software applications and Services. Brankas directly appoints a Customer Service Unit to receive and handle your feedback, suggestions and complaints.

All support services will be delivered via email, where you can email the Company with details of the problem via privacy@brankas.com. You can also send it to Consumer Service at https://brankas.com which is listed in the bottom right corner. Once you submit your ticket/response to Brankas, Brankas will respond within 7-14 business days.

The Company hereby declares that your data will be your sole property and exclusive to you. Thus, you can revoke or delete the data provided, either in full or in any part, at any time by notifying the Company of the purpose for which your data is revoked or deleted. Intention to delete your data must be conveyed in writing to the Company by sending an email to privacy@brankas.com or by submitting a ticket/response in the bottom right corner of https://brankas.com.

After receiving the written request, the Company will immediately handle and notify you about it in accordance with the Brankas Customer Complaint Handling Policy. The Company will not store a copy of such data, either on Brankas’ servers or elsewhere.

After deletion, the Company guarantees that the Company will no longer be able to access the material that you have deleted. Any contact, information or access that the Company has to such data or materials or accounts will cease immediately. However, certain portions of your data, which the Company has maintained on its servers, may remain in backups or in transaction logs. These are maintained only for the specific purpose of backup or to provide the Services to you in the event of a failure or damage to the Brankas servers to ensure continuity of the Brankas Services.

The Company may send you communications, notices or alerts from time to time. These warnings and communications will be sent automatically by the Company to you. If you have suppressed receipt or disabled or marked alerts or communications generally for discard, the Company recommends that you revise the same and enable receipt of alerts as appropriate. All forms of communication that Brankas conveys are only related to the Services and do not contain marketing or spam. Communications from us will be sent to the email address you provide.

Each email sent by the Platform, its contents and attachments, if any, are intended solely for the recipient and may also have their own purpose. If you are not the recipient, you may not copy, forward, disclose any part of any message received or its attachments and if you receive an incorrect message, please delete the message from your system and notify Brankas immediately.

You agree and acknowledge that internet communications cannot be guaranteed to be secure or error-free. Any information sent via the internet may be intercepted, damaged, lost or contain viruses. The Company is therefore not responsible for any errors or omissions in messages received by you which may arise as a result of internet transmission.

In using the Brankas Service, you will provide Brankas with information, data, credentials, authorization codes and materials and content, suggestions, ideas, feedback, etc., you hereby expressly grant us the permission and right to utilize the same for and on your name in terms of providing the Services.

The Company may or will use such information for the sole purpose of providing you with the required Services and for no other purpose. Thus, you warrant and represent that you are authorized to submit or represent the third party you represent to provide information to the Company. Further, you acknowledge and agree that these materials, suggestions, feedback, and information may be used without any obligation or restriction on the Company in terms of payment of fees or other restrictions for marketing, promotional, advertising, or other purposes.

By using the Services, you expressly authorize the Company to access your account maintained by an identified third party on your behalf. When you use specified features of other additional accounts of the Services, you will be directly connected to the third party website or application that you have identified. The Company will send information including the username and password that you provide to access the Platform. You hereby authorize and permit the Company to use the information submitted for the Service (such as account passwords and usernames) to fulfill the above and to configure the Service so that it is compatible with the third party sites to which you submit your information.

The Company also compiles information about your use of the Services including the banks or financial institutions with whom you transact and uses this for statistical representation.

You acknowledge and agree that this Platform and the software necessary for its use in connection with the Platform contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You acknowledge and agree that any content or software on this Platform, including the "look and feel" (for example, text, graphics, images, logos and button icons), photos, editorial content, notices, software (including computer-based programs html) and other materials are protected by national and international laws relating to copyrights, trademarks, service marks, patents or other proprietary rights. Except as expressly authorized by the Company, you agree not to modify, rent, loan, sell, distribute or create derivative works based on this Platform, the Services offered or any software, in whole or in part.
You acknowledge that the entire Platform and its content including software are owned by or licensed to the Company and are protected by intellectual property laws in the countries where Brankas operates and based on international treaty provisions. All trademarks, service marks and logos used and displayed on this Platform are registered with and or owned by their owners. Nothing on this Platform should be construed as granting, by implication, legal prohibition, or otherwise, any license or right to use any of the trademarks, service marks and logos displayed on the Platform, without the prior written consent and permission of Company or respective owners.
You may download or print a copy of the information provided by this Platform for your personal, internal and non-commercial use only. Any distribution, reprint or electronic provision of any content from this Platform in whole or in part for any other purpose is expressly and explicitly prohibited without the prior written consent of Brankas.

You agree not to do the following:

1. upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racist, ethnic or unpleasant;
2. impersonate any person or entity, including, but not limited to, an officer, director, employee, agent, authorized representative, forum leader, guide or host, or falsely state or misrepresent any information or account;
3. forge or manipulate identifiers to disguise the origin of content or materials transmitted or made available through the Platform;
4. collect or store personal data of other users;
5. interfere with or disrupt the Platform or servers or networks connected to the Platform, or disobey the requirements, procedures, policies or regulations of networks connected to the Platform;
6. intentionally or unintentionally violate any applicable local, state, national or international law;
7. upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any software or hardware or other telecommunications equipment;
8. upload, post, e-mail, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, except in certain areas who may be designated for the purpose of posting such emails or messages either by the Platform or the Company;
9. use any robot, spider, scraper, deep link or other automatic data collection or similar tool, program, algorithm or methodology to access, acquire, copy or monitor this Platform, in whole or in part;
10. use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Platform, other than the search engines and search agents available through the Service and other than generally available third party web browsers (such as Microsoft Explorer);
11. attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Platform or Services;
12. post or transmit any message, data, image, or program that would violate another party’s intellectual property rights, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in a way that violates; And
13. interfere with other users’ use of the Services, including, but not limited to disrupting the normal flow of dialogue in interactive areas of the Platform, removing or revising any content posted by other persons or entities, or taking any action that imposes a disproportionate burden on the Services’ infrastructure or that negatively impacts the availability of the Services to others.

The Company understands that you care how your information is used and shared, and Brankas appreciates your trust that Brankas will do so carefully and fairly. Brankas continues to provide you with the right to maintain as much control as possible over your personal information. However, you cannot visit the Brankas Platform at any time without telling Brankas who you are or disclosing necessary information about you. For the Company, Brankas’ most important asset is Brankas’ relationship with you. Brankas is committed to maintaining the confidentiality, integrity and dissemination of any personal information about Brankas users. Brankas upholds the privacy practices and security strengths of the Brankas site and wants you to know how Brankas protects your information and uses it with the Services you use. Thus, by visiting this Platform, you accept the contents and conditions described in these Privacy Terms and Agreement.

Here is the information you need to know about Brankas Direct Products:

Risks of Using Brankas Direct

Here are your risks in using Brankas Direct and a brief overview of how Brankas handles them:

1. When you provide your log-in credentials, Brankas Direct can, in the absence of a bank-managed API available to the Company, automate your log-in process through the use of Robotic Processing Automation (RPA) in connecting your source bank account to the recipient bank account. Your credentials are maintained and safe because Brankas uses data encryption to secure all communications between your source bank account and Brankas’ internal services across all Brankas systems. Likewise, Brankas enforces a strict policy of not storing your Personal Data in the Brankas system. In the event that storage of sensitive data is required to enable certain functions, Brankas encrypts (using SHA256 with Salt) the information to enable the functionality and only stores the information until the relevant process is complete. Furthermore, Brankas covers your sensitive data in the persistence and presentation sections.
2. Brankas provides a system that can be used by Brankas Partners, in completing transactions with you, to receive and forward fund transfer transactions from your source bank account to the destination bank account registered by the Brankas Client. In this regard, if there is a problem in the funds transfer process which is not within the control of Brankas, but is with the bank, then the problem must be resolved by the bank. This is because all transactions you make using Brankas Direct remain between the bank and you, and Brankas does not have access to your bank account or the bank’s internal systems, for example, the bank is in control if there is a delay in a funds transfer transaction, either due to funds in the bank account your resources are insufficient or the bank system is under maintenance. In the event that a funds transfer transaction is delayed due to Brankas’ internal systems or operations, the transaction cannot be executed and funds will not be deducted from your source bank account.
3. You are obliged to ensure the security of your source bank account from unwanted things, including but not limited to access by unauthorized parties. Brankas is not responsible if there is a hack in your source bank account that is not related to the transaction, unless it is legally proven to be caused by Brankas. Brankas always implements the necessary measures to maintain the security of Brankas Services and Systems.
4. Brankas can take necessary actions on accounts and/or transactions, including but not limited to review, blocking or rejection, in accordance with statutory regulations.
5. In the event that the Bank identifies a transaction as a high risk or suspicious transaction, the Bank and/or Brankas takes the necessary actions in accordance with the provisions of laws and regulations, especially in the provisions of Anti-Money Laundering and Prevention of Terrorism Financing (APU and PPT).

Security Measures Applied to Brankas Direct

Apart from Brankas’ management of the risks of your use of Brankas Direct, Brankas also implements the following security measures to ensure your safety and protection:

1. HTTPS / TLS
   BBrankas rejects all unencrypted connections from third parties. All external connections to Brankas internal systems are encrypted and authenticated using TLS 1.2, ECDHE_RSA with X25519 and AES_256_GCM.
   
   
2. Keamanan Produk
   The Brankas product development process always pays attention to code quality and product safety. Likewise, Brankas external services created for Clients have strong authentication and password requirements, audit logging, and access controls. The entire product delivery process and security aspects of Brankas are always implemented and reviewed to ensure that Clients and End Users always have confidence in the use of Brankas Services.
   
   All external Brankas Services implement Client authentication and authorization processes as part of the Brankas API specification. Clients must include accurate authorization credentials as provided by Brankas as part of their request so that Brankas can ensure the authenticity of the call for each transaction.
   
   
3. Containerization
   Containerization refers to a collection of software programs (code) with libraries, an operating system (OS) and all the dependencies needed to run the code, to create an executable program — called a container — that can function consistently on existing infrastructure.
   Containerization not only provides operational benefits but also improves security. Containerization offers a smaller scope of areas worth protecting. Services can be more easily isolated when they are hacked.
   Brankas servers are containerized and developed on Google Cloud Platform (GCP). Your sensitive information, such as OAuth2 tokens, will also be stored and encrypted using AES256-GCM in the GCP database.
   
   
4. No Sensitive Information Retention Policy
   Once your sensitive information is received, such as your login credentials or bank account details, Brankas enforces a strict policy of not storing it in the Brankas system. If storage of sensitive information is required to enable certain functions (such as detection of concurrent logins to a bank’s online banking system), Brankas performs encryption (using SHA256 with Salt) of Your Information to enable such functions and only stores your information until the relevant process is complete.
   
   
5. Data Masking
   JIf sensitive information needs to be shown to you, such as a bank account number, that information is masked at both the persistence layer and the presentation layer.
   For RPA, we do not mask the persistence layer. Instead, we obtain information that comes from the bank’s online portal (whether it has been masked or not). Then we perform additional masking on the presentation layer (on the TAP interface) to display the account number in masking format, regardless of whether the bank has done the masking first or not.
   
   
6. Security of the End User Authentication and Authorization Environment
   Brankas applies the latest technology to ensure that no other party, including the Brankas Partner where you access Brankas services, will not be able to see your banking information, including data related to payments.
   
   This technology includes the following security features:
   1. Integrasi Direct ke Bank
      TAP Brankas facilitates your interaction with your source accounts with the digital services of your choice. TAP prevents interference from third parties by avoiding any contact points regarding potential data compromise or misuse.
   2. Token CSRF
      TAP Brankas uses the CSRF token to ensure that third parties cannot enter the Brankas Direct authentication and authorization flow, which protects the direct data exchange between you and your bank.
   3. Secure Session Cookies
      TAP Brankas also uses session cookies to ensure the uniqueness of your access to TAP, protecting it from potential attacks such as hijacking.
   4. Permission Limitations
      All access to Brankas services is restricted, where restrictions on access to your bank account and digital banking services are based on the agreed scope as specified in the third party application. This ensures that only relevant data and items as required based on the processes you have agreed to will be accessed and used by the Brankas service.

Brankas works to protect the security of your information during transmission by using Secure Sockets Layer/Transport Layer Security (SSL/TLS) software, which encrypts the information you enter and Brankas encrypts data according to the 256-bit Advanced Encryption Standard. Brankas continually re-evaluates Brankas’ privacy and security policies and adapts them as necessary to meet new challenges. Brankas does not and will not sell or rent your personal information to anyone, for any reason, at any time, except in (i)in response to a valid legal request by a regulatory authority or government agency; (ii) when you have explicitly given your consent; or (iii) use the same for some statistical or other representation without disclosing personal data.

Brankas only discloses things from your account that are necessary to allow Brankas to access and provide you with the necessary Services associated with your account.

Access to your registration information and your personal financial data is strictly limited to Company Brankas employees and contractors, strictly on a need to know basis, to operate, develop or improve the Services. These employees or contractors may be subject to disciplinary sanctions, including termination and criminal prosecution, if they fail to fulfill these obligations.

It is important for you to protect your account against unauthorized access to your password and to your computer. Please make sure to log out of your account, especially when using a shared computer.

DYou hereby consent and authorize Brankas to collect, use and process your personal information related to relevant sources with partners or third party service providers who collaborate with Brankas operationally, including but not limited to fraud and risk management, sales , and their marketing activities, communications regarding products and/or Services, product and system development and innovation, customer experience management and improvement, and market research.

You also provide consent to share this information with third party partners to provide and improve our Services for sales, marketing and research purposes. If you do not want your personal information to be used in this way, please do not use our Services.

The consent and permission granted by you herein will remain in effect for the term of this Agreement and will continue to apply even after the termination of this Agreement, as well as any other transactions, agreements or accounts you may have or use with or from Brankas or its third party partners.

The Content and all Services related to this Platform or provided through the Services are provided to you on an “as is” and “as available” basis. The Company makes no representations or warranties of any kind, express or implied, regarding the content or operation of this Platform or the Services. You expressly agree that your use of the Services is at your sole risk.

The Company makes no representations, warranties or guarantees, express or implied, regarding (i) the accuracy, reliability or completeness of the content on this Platform; or (ii) from the Services. The Company expressly disclaims any warranty of non-infringement or fitness for a particular purpose. The company engages and uses the best methods to secure and protect against viruses, infections, etc. However, despite such best efforts, the Company makes no representation, warranty or guarantee that any content that may be available through the Service is free from infection from viruses or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, secretly silently intercept or expropriate any system, data or personal information.

All information provided by the Company is for informational purposes only and that the Company shall not be responsible for its availability, accuracy or usefulness. Accordingly, the Company shall not be responsible or liable to you or any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any indirect, special, incidental, consequential, exemplary, liquidated or punitive damages, including but not limited to. not limited to loss of profits, income or business, business interruption, loss of programs or information, loss of savings, or other damages arising, in any way, form, from the availability, use of, reliance on, or inability to utilize the Services arising out of all or part of your access to this Platform or use of the Services, even if the Company has been advised of the possibility of such damage.