SECTION 1 - OVERVIEW

This website, importcreditglobal.com (the "site" or "website"), is operated by importCredit Fintech Limited, and its individual entities, referred to collectively as "importCredit Global". Throughout the site, the terms "company," "we", "us" and "our" refer to importCredit Global. ImportCredit Global offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated or incorporated by reference herein.

By visiting our site you agree to be bound by the following terms and conditions ("Terms of Service", "Terms" or " agreement"), including those additional terms and conditions and policies referenced herein and/or available on our website. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE ACCESSING OR USING OUR WEBSITE. BY ACCESSING OR USING ANY PART OF THE SITE, OR REGISTERING FOR AN ACCOUNT WITH THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT, THEN YOU MAY NOT ACCESS THE WEBSITE OR USE ANY OF OUR SERVICES. IF YOU ARE ENTERING INTO THE TERMS OF SERVICE ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT AND WARRANT THAT YOU ARE AUTHORIZED AND LAWFULLY ABLE TO BIND SUCH ENTITY TO THE TERMS OF SERVICE, IN WHICH CASE THE TERM "YOU" WILL REFER TO SUCH ENTITY. IF YOU DO NOT HAVE SUCH AUTHORITY, OR IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE, AND YOU MUST UNINSTALL ANY COMPONENTS OF THE SITE FROM ANY DEVICE WITHIN YOUR CUSTODY OR CONTROL.

THESE TERMS OF SERVICE IMPOSE BINDING ARBITRATION AND A WAIVER OF CLASS ACTIONS. THESE TERMS OF SERVICE REQUIRE BINDING ARBITRATION TO RESOLVE ANY DISPUTE OR CLAIM ARISING FROM OR RELATING TO THE TERMS OF SERVICE OR YOUR ACCESS TO OR USE OF THE SITE, INCLUDING THE VALIDITY, APPLICABILITY OR INTERPRETATION OF THE TERMS OF SERVICE (EACH, A "CLAIM"), AND YOU AGREE THAT ANY CLAIM WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE ACTION, ARBITRATION OR OTHER SIMILAR PROCESS. PLEASE REVIEW SECTION 18 CAREFULLY TO UNDERSTAND YOUR RIGHTS AND OBLIGATIONS WITH RESPECT TO THE RESOLUTION OF ANY CLAIM.

Any new features or tools which are added to this site are also subject to these Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service in our sole discretion by posting updates or changes to our website. It is your responsibility to check this page periodically for changes. You understand and agree that Your continued use of or access to the site following the posting of any changes constitutes acceptance of those changes. All changes are effective immediately when we post them and apply to all access and use of the website thereafter.

Section 2

To access the website or some of the resources it offers, you may be asked to provide certain registration details or other information ("Registration Data"). It is a condition of your use of the website that all the information you provide on the website is correct, current, and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or importCredit Global reasonably suspects that you have done so, importCredit Global may suspend or terminate your account. You agree that all information you provide to register with this website or otherwise, including, but not limited to, through the use of any interactive features on the website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with a username, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session.

We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time at our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Service.

SECTION 3 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

The information presented on or through the website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the website, or by anyone who may be informed of any of its contents.

This website includes content provided by third parties, including materials provided by other users. All statements and/or opinions expressed in these materials, other than the content provided by us, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of our company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

We accept no responsibility or liability for any actions between you and any other users of our website. The website is presented to you as-is and is to be used solely at your own discretion.

SECTION 4 - INTELLECTUAL PROPERTY RIGHTS

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by importCredit Global, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You must not modify copies of any materials from this site, use any illustrations, photographs, video, audio, or any graphics separately from the accompanying text, or delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the website in breach of the Terms of Service, your right to use the website will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the website or any content on the website is transferred to you, and all rights not expressly granted are reserved by us. Any use of the website not expressly permitted by these Terms of Service is a breach of these Terms of Service and may violate copyright, trademark, and other laws.

Our name, importCredit Global, our logo and all related names, logos, product and service names, designs, and slogans are trademarks of our company or its affiliates or licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners.

SECTION 5 - PRODUCTS OR SERVICES

The site includes an online marketplace and tools to purchase, bid on, list, market, offer for sale, and sell various products and services. EXCEPT FOR THE SALE OF IMPORTCREDIT GLOBAL PRODUCTS AND SERVICES, THE TERMS OF WHICH ARE SET FORTH IN MORE DETAIL IN SECTION 6 OF THESE TERMS, ALL ITEMS ARE OFFERED FOR SALE AND SOLD DIRECTLY FROM THE SELLER TO THE BUYER, AND IMPORTCREDIT GLOBAL IS NOT A PARTY TO ANY SALE. We may facilitate communication between users in connection with listings. However, we are not the agent of any buyer or seller for any purpose. IMPORTCREDIT GLOBAL does not endorse or control, and we are not responsible for, the conduct (whether online or offline) of any buyer, prospective buyer, bidder, seller or prospective seller. As a marketplace, importCredit Global does not own, take title to, have possession of, or sell the items bid on, listed, marketed, offered for sale, or sold on or in connection with our site. We do not transfer, and are not responsible for transferring, legal ownership or physical possession of items from the seller to the buyer.

SECTION 6 - TERMS OF AND CONDITIONS FOR THE ONLINE SALE OF IMPORTCREDIT GLOBAL PRODUCTS AND SERVICES

THIS SECTION 6 APPLIES ONLY WITH RESPECT TO ANY PRODUCTS OR SERVICES YOU PURCHASE DIRECTLY FROM IMPORTCREDIT GLOBAL, AND NOT TO ANY TRANSACTIONS BETWEEN BUYERS AND SELLERS ON THE SITE (FOR WHICH IMPORTCREDIT GLOBAL IS NOT A PARTY).

Order Acceptance and Cancellation

You agree that your order to buy importCredit Global products and services is an offer to buy, under this Section 6, all importCredit Global products and services listed in your order. All orders must be accepted by us or we will not be obligated to sell the products or services to you. We may choose not to accept orders at our sole discretion, even after we send you a confirmation email with your order number and details of the items you have ordered.

Prices and Payment Terms

All prices, discounts, and promotions posted on this site are subject to change without notice. The price charged for a product or service will be the price in effect at the time the order is placed and will be set out in your order confirmation e-mail. Price increases will only apply to orders placed after such changes. We strive to display accurate price information, however we may, on occasion, make inadvertent typographical errors, inaccuracies, or omissions related to pricing and availability. We reserve the right to correct any errors, inaccuracies, or omissions at any time and to cancel any orders arising from such occurrences.

We may offer from time to time promotions on the site that may affect pricing and that are governed by terms and conditions separate from these Terms. If there is a conflict between the terms for a promotion and these Terms, the promotion terms will govern.

Terms of payment are within our sole discretion and payment must be received by us/sellers before our acceptance of an order. The site uses third party to process payments. Third party payment processors accept the payment methods set forth in their terms of service. You represent and warrant that (i) the credit card information supplied through the site is true, correct, and complete at all times; (ii) you are duly authorized to use such credit card for the purchase; (iii) charges incurred by you will be honored by your credit card company; and (iv) you will pay charges incurred by you at the posted prices, including any applicable additional changes.

Returns and Refunds

Except for any products designated on the site as "final sale" or "non-returnable," we will accept return of the products for a refund of your purchase price, provided such return is made within seven (7) days of purchase with valid proof of purchase. To be issued a refund, if applicable, you must contact us using the contact information provided in Section 22 of these Terms of Service.

Refunds are processed within what importCredit Global determines is a reasonable amount of business days of our receipt of your request. Your refund will be credited back to the same payment method used to make the original purchase on the site. WE OFFER NO REFUNDS ON ANY IMPORTCREDIT GLOBAL PRODUCTS OR SERVICES DESIGNATED ON THIS SITE AS "NON-RETURNABLE" OR "FINAL SALE".

Privacy. We respect your privacy and are committed to protecting it. Our Privacy Policy governs the processing of all personal data collected from you in connection with your purchase of importCredit Global products and services through the site. We reserve the right to refuse any order you place with us. All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right to discontinue any product or service at any time. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail, billing address, or phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made with importCredit Global You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

SECTION 7 - OPTIONAL TOOLS

We may provide you with access to third party tools, persons, websites, or businesses over which we may neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools and third parties "as is" and "as available" without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools or your communications with these third party persons or businesses. importCredit Global assumes no responsibility or liability for the actions or inactions of such Third-Party Providers.

By using the Third-Party Services, you acknowledge and agree that importCredit Global is not a party to any agreements entered into between you and the Third-Party Provider, and that it has no control over the quality, safety, legality, or accuracy of the Third Party Services. importCredit Global makes no representation or warranty regarding the Third Party Services, and shall not be responsible or liable for any loss or damage of any sort incurred as a result of your use of the Third Party Services.

Any use by you of optional tools offered through the site or any communications with these third-party persons or businesses through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which such tools and third-party communications are provided. Your use of such Third-Party Services is subject to the terms and conditions of the applicable Third-Party Provider.

Without limiting the foregoing in this Section 7, you acknowledge and agree that, in order for you to access or use the website, including certain additional functions or features, you may be required to sign up for an account with or provide information to third-party services that are embedded in or work together with the website (each, a "Third-Party Service"). importCredit Global may provide the operator of a Third-Party Service (a "Third-Party Provider") with Registration Data about you for the Third-Party Provider to set up a user account in the applicable Third-Party Service for you or otherwise provide services to you. If you do not give importCredit Global consent to provide such Registration Data to a Third-Party Provider, then you may be required to provide such Registration Data directly to the Third-Party Provider for such Third-Party Provider to set up a user account in the applicable Third-Party Service for you or otherwise provide services to you. Access to and use of a Third-Party Service, and a Third-Party Provider's collection, use, storage, disclosure and processing of data, are subject to the applicable Third-Party Provider's terms of use and privacy policy.

We may make available within the site a Third-Party Service for verification of the ownership, identity, legitimacy, reputation, or quality of an account within the site ("Account Verification"). Such verification services are performed entirely by a Third-Party Provider. Obtaining Account Verification is voluntary. If you obtain Account Verification, you agree that you are bound by and will comply with all terms and policies of the Third-Party Provider applicable to the Account Verification service.

Any Account Verification displayed on the website is not an endorsement or approval by importCredit Global of, nor does it signify that importCredit Global has undertaken any due diligence relating to, the account or any business associated with the account. importCredit Global does not make any representations or warranties regarding the accuracy of any Account Verification. importCredit Global does not monitor or correct any Account Verification displayed on the website. Any reliance on an Account Verification is completely at your discretion and at your own risk. We disclaim all liability and responsibility arising from any reliance placed on any Account Verification by you or any other visitor to the website, or by anyone who may be informed of any of its contents.

SECTION 8 - THIRD-PARTY LINKS, INTERACTION, AND PRODUCTS

Certain content, products and services available via our website may include materials from third parties. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third parties (collectively, "External Materials"). We have no control over External Materials and accept no responsibility for them or for any loss or damage that may arise from your use of them. Third-party links on this site may direct you to third-party websites that are not affiliated with us. If you decide to access any of the third party websites linked to this website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

We are not liable for any harm or damages related to third parties, purchase or use of goods, services, resources, content, or any other transactions made in connection with any third party websites or communications including those conducted through our website. Please review carefully any third party policies and practices and make sure you understand them before you engage in any transaction. Please take care when dealing with third parties in any transaction. Complaints, claims, concerns, or questions regarding a particular third-party product should be directed to that third party.

SECTION 9 - USER CONTRIBUTIONS, FEEDBACK, AND OTHER SUBMISSIONS

Our website may contain features that allow users to upload, post, submit, email, publish, display, or transmit ( hereinafter, "post") content or materials on, to, or through the website (collectively, "User Contributions").

All User Contributions must comply with the standards set out in these Terms of Service. Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contributions on the website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material.

You represent and warrant that:

You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns.
All of your User Contributions do and will comply with these Terms of Service.
You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not us, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.

We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the website.

User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions must not:

Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Service and our Privacy Policy.
Be likely to deceive any person.
Promote any illegal activity, or advocate, promote, or assist any unlawful act.
Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
Impersonate any person or misrepresent your identity or affiliation with any person or organization.
Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, "comments"), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation to maintain any comments in confidence, pay compensation for any comments, or respond to any comments.

If you elect to provide or make available to importCredit Global any suggestions, comments, ideas, improvements or other feedback relating to the website or importCredit Global business ("Suggestions"), you hereby grant importCredit Global a perpetual, irrevocable, worldwide, royalty-free, fully-paid-up, non-exclusive, sublicensable, transferable right and license to use, reproduce, modify, adapt, create derivative works from, publicly perform, publicly display, distribute, make or have made Suggestions in any form and any medium (whether now known or later developed), without credit or compensation to you.

You agree, we may, but have no obligation or liability to, monitor, edit or remove content that we determine in our sole discretion is unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party's intellectual property rights or these Terms of Service.

We take no responsibility and assume no liability for any actions, comments, products, or other material posted by you or any third party or any actions, comments, products, or other material occurring on our website or occurring as a result of connections made on our website.

SECTION 10 - PERSONAL INFORMATION

Your submission of personal information is governed by our Privacy Policy. To view our Privacy Policy please click here. By using our website, you consent to all actions taken by us with respect to your information in compliance with our Privacy Policy.

SECTION 11 - ERRORS, INACCURACIES AND OMISSIONS

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

We undertake no obligation to update, amend or clarify information on our website, including without limitation, pricing information, except as required by law. We accept no responsibility and assume no liability for any error, inaccuracies, and/or omissions shared or posted on the site by you, other users, and third parties or any information or material shared as a result of using the website.

SECTION 12 - PROHIBITED USES

You may use the website only for lawful purposes and in accordance with these Terms of Service. Therefore, you agree not to use the website:

In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
To infringe upon or violate our intellectual property rights or the intellectual property rights of others.
For the purpose of exploiting, harming, or attempting to exploit or harm minors, other users, or any third party in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
To solicit others to perform or participate in any unlawful acts.
To submit false or misleading information or to collect or track the personal information of others.
To impersonate or attempt to impersonate importCredit Global, a importCredit Global employee, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).
To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the website, or which, as determined by us, may harm our company or users of the website, or expose them to liability.

Additionally, you agree not to:

Use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the website, including their ability to engage in real time activities through the website.
Use any robot, spider, or other automatic device, process, or means to access the website for any purpose, including monitoring or copying any of the material on the website.
Use any manual process to monitor or copy any of the material on the website, or for any other purpose not expressly authorized in these Terms of Service, without our prior written consent.
Use any device, software, or routine that interferes with the proper working of the website.
Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website.
Attack the website via a denial-of-service attack or a distributed denial-of-service attack.
Otherwise attempt to interfere with the proper working of the website.

SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the website will be free of viruses or other malicious code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE IMPORTCREDIT GLOBAL PARTIES AND ANY PERSON ASSOCIATED WITH THE IMPORTCREDIT GLOBAL PARTIES, MAKE NO WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE IMPORTCREDIT GLOBAL PARTIES NOR ANYONE ASSOCIATED WITH THE IMPORTCREDIT GLOBAL PARTIES REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

TO THE FULLEST EXTENT PROVIDED BY LAW, THE IMPORTCREDIT GLOBAL PARTIES HEREBY DISCLAIM (i) ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE; AND (ii) ANY LOSS, DAMAGE OR OTHER LIABILITY ARISING FROM OR RELATING TO EXTERNAL MATERIALS, THIRD-PARTY SERVICES, ACCOUNT VERIFICATION, OR ANY OTHER PRODUCTS OR SERVICES NOT PROVIDED BY IMPORTCREDIT GLOBAL.

The foregoing does not affect any warranties that cannot be excluded or limited under applicable law. TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE IMPORTCREDIT GLOBAL PARTIES BELIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY DAMAGES RELATING TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, COST OF COVER, LOSS OF GOODWILL, LOSS OF DATA, REGARDLESS OF THE LEGAL THEORY UNDER WHICH SUCH DAMAGES MAY ARISE, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE IMPORTCREDIT GLOBAL PARTIES' TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE TERMS OF SERVICE OR YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE WEBSITE EXCEED THE GREATER OF $100 OR THE AMOUNT PAID BY YOU TO IMPORTCREDIT GLOBAL (IF ANY) FOR ACCESS TO OR USE OF THE SITE WITHIN THE 12 MONTHS IMMEDIATELY PRECEDING THE DATE ON WHICH THE APPLICABLE CLAIM AROSE.

SECTION 14 - INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the importCredit Global (including its affiliates, officers, agents, and employees) from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees ( including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of the website, including, but not limited to, your User Contributions, any use of the website's content, services ( including any Third-Party Services), and products other than as expressly authorized in these Terms of Service, or your use of any information obtained from the website.

SECTION 15 - WAIVER AND SEVERABILITY

No waiver by us of any term or condition set out in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of us to assert a right or provision under these Terms of Service shall not constitute a waiver of such right or provision. In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 16 - TERMINATION

We have the right to:

Remove or refuse to post any User Contributions for any or no reason in our sole discretion.
Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Service, including any content standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the website or the public, or could create liability for our company.
Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the website.
Terminate or suspend your access to all or part of the website for any or no reason, including without limitation, any violation of these Terms of Service.

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the website. YOU WAIVE AND HOLD HARMLESS THE IMPORTCREDIT GLOBAL PARTIES FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES D

SECTION 17 - ENTIRE AGREEMENT

These Terms of Service, our Privacy Policy, and any policies or operating rules posted by us on the site constitutes the entire agreement and understanding between you and us with respect to and govern your use of the website and our services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service, our Privacy Policy, and any policies or operating rules). All of your obligations and liabilities under this agreement shall survive termination.

SECTION 18 - GOVERNING LAW, BINDING ARBITRATION AND CLASS ACTION WAIVER

The Terms of Service will be governed by and construed and enforced in accordance with the United States Federal Arbitration Act, other applicable federal laws, and the laws of the State of Delaware, without regard to conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods is specifically excluded from application to the Terms of Service.

ALL CLAIMS (DEFINED IN SECTION 1) WILL BE RESOLVED BY BINDING ARBITRATION RATHER THAN IN COURT, EXCEPT THAT YOU MAY ASSERT CLAIMS IN SMALL CLAIMS COURT IF YOUR CLAIMS ARE WITHIN THE COURT'S JURISDICTION AND YOU ARE AN INDIVIDUAL CONSUMER. THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS LIMITED.

The arbitration will be conducted by the American Arbitration Association (AAA) under its then-applicable Commercial Arbitration Rules or, as appropriate, its Consumer Arbitration Rules. The AAA's rules are available at http://www.adr.org/. The arbitrator will, among other things, have the power to rule on his or her own jurisdiction, including any objections with respect to the existence, scope, or validity of the arbitration agreement or to the arbitrarily of any Claims. Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules. The arbitration will be conducted in the English language by a single independent and neutral arbitrator. For any hearing conducted in person as part of the arbitration, such hearing will be conducted in Boston, Massachusetts or, if the Consumer Arbitration Rules apply, another location reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances, as determined by the arbitrator. The decision of the arbitrator on all matters relating to the Claim will be final and binding. Judgment on the arbitral award may be entered in any court of competent jurisdiction.

YOU AND IMPORTCREDIT GLOBAL EACH: (i) AGREES THAT ALL CLAIMS (DEFINED IN SECTION 1) WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE ACTION, ARBITRATION OR OTHER SIMILAR PROCESS; AND (ii) EXPRESSLY WAIVES ANY RIGHT TO HAVE A CLAIM DETERMINED OR RESOLVED ON A CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE BASIS. IF FOR ANY REASON THE PROVISIONS OF THE PRECEDING SENTENCE ARE HELD TO BE INVALID OR UNENFORCEABLE IN A CASE IN WHICH CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE CLAIMS HAVE BEEN ASSERTED, THE PROVISIONS OF THIS SECTION 18 REQUIRING BINDING ARBITRATION WILL LIKEWISE BE UNENFORCEABLE AND NULL AND VOID. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND IMPORTCREDIT GLOBAL EACH WAIVES ANY RIGHT TO A JURY TRIAL AND AGREES THAT SUCH CLAIM WILL BE BROUGHT ONLY IN A COURT OF COMPETENT JURISDICTION IN BOSTON, MASSACHUSETTS. YOU HEREBY SUBMIT TO THE PERSONAL JURISDICTION AND VENUE OF SUCH COURTS AND WAIVE ANY OBJECTION ON THE GROUNDS OF VENUE, FORUM NON-CONVENIENS OR ANY SIMILAR GROUNDS WITH RESPECT TO ANY SUCH CLAIM. Notwithstanding anything to the contrary, you and importCredit Global may seek injunctive relief and any other equitable remedies from any court of competent jurisdiction to protect our intellectual property rights, whether in aid of, pending or independently of the resolution of any dispute pursuant to the arbitration procedures set forth in this Section 18.

If importCredit Global implements any material change to this Section 18, such change will not apply to any Claim for which you provided written notice to importCredit Global before the implementation of the change.

SECTION 19 - CHANGES TO WEBSITE

We may update the content on this website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the website may be out of date at any given time, and we are under no obligation to update such material.

SECTION 20 - NO THIRD-PARTY BENEFICIARIES

You acknowledge and agree that there are no third-party beneficiaries to the Terms of Service.

SECTION 21 - PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

If you believe that your work has been made available through the website in a way that constitutes copyright infringement, please provide importCredit Global's Agent for Notice of Copyright Claims the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) a description of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works; (c) a description of the material that you claim is infringing and where that material may be accessed within the website; (d) your address, telephone number and email address; (e) a statement by you that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and (f) a statement from you that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. importCredit Global's Agent for Notice of Copyright Claims can be reached as follows:

Office Address: 4 Babatope Bejide Crescent, Lekki Phase 1, Lagos, Nigeria

Phone: +234 81644 27704 Email: hello@importcreditafrica.com

SECTION 22 - GENERAL PROVISIONS

The Terms of Service may not be amended by you except in a writing executed by you and an authorized representative of importCredit Global. For the purposes of the Terms of Service, the words "such as," "include," "includes" and " including" shall be deemed to be followed by the words "without limitation." You may not assign or delegate any right or obligation under the Terms of Service without the prior written consent of importCredit Global. Any prevention of or delay in performance by importCredit Global hereunder due to any act of god, fire, casualty, flood, war, strike, lock out, failure of public utilities, injunction or any act, exercise, assertion or requirement of any governmental entity, epidemic, pandemic, public health crisis, destruction of production facilities, insurrection or any other cause beyond importCredit Global reasonable control will excuse the performance of its obligations for a period equal to the duration of any such prevention or delay.

SECTION 23 - CONTACT INFORMATION

This website is operated by importCredit Global.

All legal notices should be sent to our email address along with all other feedback, comments, requests for technical support, questions, and other communications relating to this website. Our email address is hello@importcredictafrica.com