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v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body lang=EN-US link=navy vlink=maroon style='tab-interval:35.45pt;line-break: strict'> <div class=WordSection1> <p class=MsoNormal align=center style='text-align:center'><b><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></b></p> <p class=MsoNormal align=center style='text-align:center'><span class=SpellE><b><span lang=EN-GB style='font-size:9.0pt'>InstruNOTE</span></b></span><b><span lang=EN-GB style='font-size:9.0pt'> TERMS AND CONDITIONS<o:p></o:p></span></b></p> <p class=MsoNormal align=center style='text-align:center'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Credit<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt;mso-bidi-font-size:11.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>This document was created using a <span class=SpellE>Contractology</span> template available at </span><span lang=EN-GB><a href="http://www.freenetlaw.com/">http://www.freenetlaw.com</a></span><span lang=EN-GB style='font-size:9.0pt'>.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Introduction<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full.<span style='mso-spacerun:yes'> </span>If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website. <o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>This website uses cookies.<span style='mso-spacerun:yes'> </span>By using this website and agreeing to these terms and conditions, you consent to our <span class=SpellE>InstruNOTE's</span> use of cookies in accordance with the terms of <span class=SpellE>InstruNOTE's</span> privacy policy.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>For the purposes of this legal document, the term  website refers to the <span class=SpellE>InstruNOTE</span> website as well as applications and other products carrying <span class=SpellE>InstruNOTE s</span> name or affiliation, regardless of where they are found.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>License to use website<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>Unless otherwise stated, <span class=SpellE>InstruNOTE</span> and/or its licensors own the intellectual property rights in the website and material on the website.<span style='mso-spacerun:yes'> </span>Subject to the license below, all these intellectual property rights are reserved.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.<span style='mso-spacerun:yes'> </span><o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You must not:<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <ul style='margin-top:0in' type=disc> <li class=MsoNormal style='text-align:justify;mso-list:l2 level1 lfo2; tab-stops:list .5in'><span lang=EN-GB style='font-size:9.0pt'>republish material from this website (including republication on another website);<o:p></o:p></span></li> <li class=MsoNormal style='text-align:justify;mso-list:l2 level1 lfo2; tab-stops:list .5in'><span lang=EN-GB style='font-size:9.0pt'>sell, rent or sub-license material from the website;<o:p></o:p></span></li> <li class=MsoNormal style='text-align:justify;mso-list:l2 level1 lfo2; tab-stops:list .5in'><span lang=EN-GB style='font-size:9.0pt'>show any material from the website in public;<o:p></o:p></span></li> <li class=MsoNormal style='text-align:justify;mso-list:l2 level1 lfo2; tab-stops:list .5in'><span lang=EN-GB style='font-size:9.0pt'>reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;<o:p></o:p></span></li> <li class=MsoNormal style='text-align:justify;mso-list:l2 level1 lfo2; tab-stops:list .5in'><span lang=EN-GB style='font-size:9.0pt'>edit or otherwise modify any material on the website; or<o:p></o:p></span></li> <li class=MsoNormal style='text-align:justify;mso-list:l2 level1 lfo2; tab-stops:list .5in'><span class=GramE><span lang=EN-GB style='font-size: 9.0pt'>redistribute</span></span><span lang=EN-GB style='font-size:9.0pt'> material from this website except for content specifically and expressly made available for redistribution.<o:p></o:p></span></li> </ul> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Acceptable use<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without <span class=SpellE>InstruNOTE s</span> express written consent.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You must not use this website to transmit or send unsolicited commercial communications.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You must not use this website for any purposes related to marketing without <span class=SpellE>InstruNOTE s</span> express written consent.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b style='mso-bidi-font-weight: normal'><span lang=EN-GB style='font-size:9.0pt'>Applications<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><b style='mso-bidi-font-weight: normal'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>The Site offers features and services that are available to you via your mobile device, which features and services may include, without limitation, (<span class=SpellE>i</span>) applications featuring language learning modules, tutorials, educational games, and any and all content, information, data, designs, code, and materials associated with the application and all derivative works of the foregoing ( Application Content ); and (ii) any files that are delivered to you by <span class=SpellE>InstruNOTE</span> (via online transmission, through a third party distributor, or otherwise) to patch, update, or otherwise modify the application (collectively, the &quot;Applications&quot;). The Applications are the copyrighted works of <span class=SpellE>InstruNOTE</span> and contain trademarks, service marks, trade names, and/or other intellectual property of <span class=SpellE>InstruNOTE</span>.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span class=SpellE><span lang=EN-GB style='font-size:9.0pt'>InstruNOTE</span></span><span lang=EN-GB style='font-size:9.0pt'> reserves the right to change online or web-based features of any Application at any time without notice or explanation.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>If you are accessing an Application via Apple Inc.'s (&quot;Apple&quot;) App Store, You acknowledge that Apple is not a party to and has not agreed to these Terms and that Apple is not a sponsor of, affiliated with and does not otherwise endorse any Application.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>If you are accessing an Application via Google Inc.'s Google Play Store, You acknowledge that Google is not a party to and has not agreed to these Terms and that Google is not a sponsor of, affiliated with and does not otherwise endorse any Application.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><span style='mso-spacerun:yes'></span><o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>We may charge for an Application and these charges will be disclosed prior to completion of download of the Application. By downloading and/or installing a paid Application, You agree to pay the purchase fee. <span class=SpellE>InstruNOTE</span> may change pricing for the Application or Application Content.<span style='mso-spacerun:yes'> </span>We do not provide price protection or refunds due to price reductions, promotional pricing, or any other changes to pricing for any reason. Also, standard messaging, data and other fees may be charged by your carrier. Fees and charges will appear on your mobile bill or be deducted from <span class=GramE>Your</span> pre-paid balance. Your carrier may prohibit or restrict certain Applications and certain Applications may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Restricted access<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>Access to certain areas of this website is restricted.<span style='mso-spacerun:yes'> </span><span class=SpellE>InstruNOTE</span> reserves the right to restrict access to other areas of this website, or indeed this entire website, at <span class=SpellE>InstruNOTE s</span> discretion.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>If <span class=SpellE>InstruNOTE</span> provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.<span style='mso-spacerun:yes'> </span><o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span class=SpellE><span lang=EN-GB style='font-size:9.0pt'>InstruNOTE</span></span><span lang=EN-GB style='font-size:9.0pt'> may disable your user ID and password in <span class=SpellE>InstruNOTE s</span> sole discretion without notice or explanation.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>User content<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>In these terms and conditions,  your user content means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or <span class=SpellE>InstruNOTE</span> or a third party (in each case under any applicable law).<span style='mso-spacerun:yes'> </span><o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span class=SpellE><span lang=EN-GB style='font-size:9.0pt'>InstruNOTE</span></span><span lang=EN-GB style='font-size:9.0pt'> reserves the right to edit or remove any material submitted to this website, or stored on <span class=SpellE>InstruNOTE s</span> servers, or hosted or published upon this website.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>Notwithstanding <span class=SpellE>InstruNOTE s</span> rights under these terms and conditions in relation to user content, <span class=SpellE>InstruNOTE</span> does not undertake to monitor the submission of such content to, or the publication of such content on, this website.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>No warranties<o:p></o:p></span></b></p> <p class=MsoNormal align=center style='text-align:center'><b><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>This website is provided  as is without any representations or warranties, express or implied.<span style='mso-spacerun:yes'> </span><span class=SpellE>InstruNOTE</span> makes no representations or warranties in relation to this website or the information and materials provided on this website.<span style='mso-spacerun:yes'> </span><o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>Without prejudice to the generality of the foregoing paragraph, <span class=SpellE>InstruNOTE</span> does not warrant that:<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.25in; mso-list:l1 level1 lfo4;tab-stops:list .5in left 8.0in'><![if !supportLists]><span lang=EN-GB style='font-size:9.0pt;font-family:Wingdings;mso-fareast-font-family: Wingdings;mso-bidi-font-family:Wingdings'><span style='mso-list:Ignore'>l<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span lang=EN-GB style='font-size:9.0pt'>this website will be constantly available, or available at all; or<o:p></o:p></span></p> <p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.25in; mso-list:l1 level1 lfo4;tab-stops:list .5in left 8.0in'><![if !supportLists]><span lang=EN-GB style='font-size:9.0pt;font-family:Wingdings;mso-fareast-font-family: Wingdings;mso-bidi-font-family:Wingdings'><span style='mso-list:Ignore'>l<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=GramE><span lang=EN-GB style='font-size:9.0pt'>the</span></span><span lang=EN-GB style='font-size:9.0pt'> information on this website is complete, true, accurate or non-misleading.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>Nothing on this website constitutes, or is meant to constitute, advice of any kind.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Limitations of liability<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span class=SpellE><span lang=EN-GB style='font-size:9.0pt'>InstruNOTE</span></span><span lang=EN-GB style='font-size:9.0pt'> will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.25in; mso-list:l1 level1 lfo4;tab-stops:list .5in left 8.0in'><![if !supportLists]><span lang=EN-GB style='font-size:9.0pt;font-family:Wingdings;mso-fareast-font-family: Wingdings;mso-bidi-font-family:Wingdings'><span style='mso-list:Ignore'>l<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span lang=EN-GB style='font-size:9.0pt'>to the extent that the website is provided free-of-charge, for any direct loss;<o:p></o:p></span></p> <p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.25in; mso-list:l1 level1 lfo4;tab-stops:list .5in left 8.0in'><![if !supportLists]><span lang=EN-GB style='font-size:9.0pt;font-family:Wingdings;mso-fareast-font-family: Wingdings;mso-bidi-font-family:Wingdings'><span style='mso-list:Ignore'>l<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span lang=EN-GB style='font-size:9.0pt'>for any indirect, special or consequential loss; or<o:p></o:p></span></p> <p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.25in; mso-list:l1 level1 lfo4;tab-stops:list .5in left 8.0in'><![if !supportLists]><span lang=EN-GB style='font-size:9.0pt;font-family:Wingdings;mso-fareast-font-family: Wingdings;mso-bidi-font-family:Wingdings'><span style='mso-list:Ignore'>l<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span lang=EN-GB style='font-size:9.0pt'>for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>These limitations of liability apply even if <span class=SpellE>InstruNOTE</span> has been expressly advised of the potential loss.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Exceptions<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit <span class=SpellE>InstruNOTE s</span> liability in respect of any:<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.25in; mso-list:l0 level1 lfo6;tab-stops:list .5in left 8.0in'><![if !supportLists]><span lang=EN-GB style='font-size:9.0pt;font-family:Wingdings;mso-fareast-font-family: Wingdings;mso-bidi-font-family:Wingdings'><span style='mso-list:Ignore'>l<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span lang=EN-GB style='font-size:9.0pt'>death or personal injury caused by <span class=SpellE>InstruNOTE s</span> negligence;<o:p></o:p></span></p> <p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.25in; mso-list:l0 level1 lfo6;tab-stops:list .5in left 8.0in'><![if !supportLists]><span lang=EN-GB style='font-size:9.0pt;font-family:Wingdings;mso-fareast-font-family: Wingdings;mso-bidi-font-family:Wingdings'><span style='mso-list:Ignore'>l<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span lang=EN-GB style='font-size:9.0pt'>fraud or fraudulent misrepresentation on the part of <span class=SpellE>InstruNOTE</span>; or<o:p></o:p></span></p> <p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.25in; mso-list:l0 level1 lfo6;tab-stops:list .5in left 8.0in'><![if !supportLists]><span lang=EN-GB style='font-size:9.0pt;font-family:Wingdings;mso-fareast-font-family: Wingdings;mso-bidi-font-family:Wingdings'><span style='mso-list:Ignore'>l<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=GramE><span lang=EN-GB style='font-size:9.0pt'>matter</span></span><span lang=EN-GB style='font-size:9.0pt'> which it would be illegal or unlawful for <span class=SpellE>InstruNOTE</span> to exclude or limit, or to attempt or purport to exclude or limit, its liability. <o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Reasonableness<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.<span style='mso-spacerun:yes'> </span><o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>If you do not think they are reasonable, you must not use this website.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Other parties<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You agree that the limitations of warranties and liability set out in this website disclaimer will protect <span class=SpellE>InstruNOTE s</span> officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as <span class=SpellE>InstruNOTE</span>. <o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Unenforceable provisions<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Indemnity<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You hereby indemnify <span class=SpellE>InstruNOTE</span> and undertake to keep <span class=SpellE>InstruNOTE</span> indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by <span class=SpellE>InstruNOTE</span> to a third party in settlement of a claim or dispute on the advice of <span class=SpellE>InstruNOTE s</span> legal advisers) incurred or suffered by <span class=SpellE>InstruNOTE</span> arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Breaches of these terms and conditions<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>Without prejudice to <span class=SpellE>InstruNOTE s</span> other rights under these terms and conditions, if you breach these terms and conditions in any way, <span class=SpellE>InstruNOTE</span> may take such action as <span class=SpellE>InstruNOTE</span> deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Variation<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span class=SpellE><span lang=EN-GB style='font-size:9.0pt'>InstruNOTE</span></span><span lang=EN-GB style='font-size:9.0pt'> may revise these terms and conditions from time-to-time.<span style='mso-spacerun:yes'> </span>Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website.<span style='mso-spacerun:yes'> </span>Please check this page regularly to ensure you are familiar with the current version.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Assignment<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span class=SpellE><span lang=EN-GB style='font-size:9.0pt'>InstruNOTE</span></span><span lang=EN-GB style='font-size:9.0pt'> may transfer, sub-contract or otherwise deal with <span class=SpellE>InstruNOTE s</span> rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.<span style='mso-spacerun:yes'> </span><o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Severability<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.<span style='mso-spacerun:yes'> </span>If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect. <o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Entire agreement<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>These terms and conditions constitute the entire agreement between you and <span class=SpellE>InstruNOTE</span> in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><b><span lang=EN-GB style='font-size:9.0pt'>Law and jurisdiction<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>These terms and conditions will be governed by and construed in accordance with the laws of New York, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of New York.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span class=SpellE><b><span lang=EN-GB style='font-size:9.0pt'>InstruNOTE s</span></b></span><b><span lang=EN-GB style='font-size:9.0pt'> details<o:p></o:p></span></b></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>You can contact <span class=SpellE>InstruNOTE</span> by email to <a href="mailto:support@InstruNOTE.com">support@InstruNOTE.com</a>.<o:p></o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal style='text-align:justify'><span lang=EN-GB style='font-size:9.0pt'>(Updated December 2, 2014)<o:p></o:p></span></p> </div> </body> </html>