1. The use of the Services and the Website is at your sole risk. You hereby accept full responsibility for any consequences that may arise from your use of the Services or the Website, and expressly agree and acknowledge that Fold shall have absolutely no liability with respect to the same.
  2. To the fullest extent permissible by law, Fold and its related parties each disclaims all liability to you for any loss or damage arising out of or due to:
    • your use or inability to use, or availability or unavailability of the Services, including any Third Party Services;
    • the occurrence or existence of any defect, interruption, or delays in the operation or transmission of information to, from, or through the Services or the Website, communications failure, theft, destruction, or unauthorised access to Fold’s records, programmes, services, servers, or other infrastructure relating to the Services or the Website;
    • the failure of the Services or the Website to remain operational for any period of time;
    • the collection or processing of your personal information by Fold.
  3. Fold reserves the right to discontinue or suspend, temporarily or permanently, the Services including ancillary services offered on the Website, by giving reasonable time period notice, on a best effort basis, unless it is merely to change certain features/contents of the Website and/or maintain the security and integrity of the Website. You agree that Fold will not be liable to you in any manner whatsoever for any modification or discontinuance of the Website.
  4. You agree not to use the Services and ancillary services offered on the Website for illegal purposes or for the transmission of material that is unlawful, harassing, libellous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of other.
  5. The materials on the Website are provided on an 'as is' basis. Fold makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
  6. Fold does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on the Website or otherwise relating to such materials or on any sites linked to the Website.
  7. Fold makes no warranty, and expressly disclaims any obligation, that:
    • the content will be up- to-date, complete, comprehensive, accurate or applicable to your circumstances;
    • the Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis;
    • the results that may be obtained from the use of the Website or any Services offered through the Website will be accurate or reliable; or
    • the quality of any products, services, information, or other material obtained by you through the Website will meet your expectations.
  8. Any content provided by Fold on the website aimed for providing general awareness does not constitute investment advice or endorsement or solicitation by Fold. Such contents and/or information are derived from publicly available sources and Fold cannot verify or confirm the genuineness, authenticity or veracity of such information.
  9. While availing any of the payment method/s available on the Website, Fold will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to you due to: lack of authorization for any transaction/s, or any payment issues arising out of the transaction, or illegitimacy of the payment methods (credit/debit card frauds etc.) being used by a you, decline of transaction for any other reason(s).
  10. Notwithstanding anything contained herein, the Website reserves the right to conduct additional verification for security or other reasons if it is not satisfied with the creditability of you/your transaction.
  11. Use of the payment facilities provided by the Website shall not render the Website liable or responsible for the non-delivery, non-receipt, non-payment, damage, breach of representations and warranties, non-provision of after sales or warranty services or fraud as regards the Services listed on the Website. The Website shall not be responsible for any damages, interests or claims arising from not processing a transaction.
  12. You hereby agree to provide accurate information, such as credit/debit information for purchasing any Service or product on or through the Website. You further warrant that you shall not use payment information or an instrument that is not lawfully owned by you.
  13. In addition to these TOS, the terms and conditions of the bank or other financial institution shall also be applicable to every user. The Website disclaims any liability arising out of declining of payment by such bank or financial institution.
  14. In addition to the above, all the disclaimers specified under any Additional Terms of a specific Service shall be deemed to be included in these TOS.