1. The Services include provision of the Website by us, personalised spend analysis, and access to various products and services which may include but not be limited to financial products and services, web-based services and other allied activities (“Services”).
  2. The Services may also include services, content, documents, and information owned by, licensed to, or otherwise made available by a third party or our affiliates (“Third Party Services”), and may also include links to the Third Party Services. You understand and acknowledge that Third Party Services are the responsibility of the respective third-party or affiliate that renders such Third Party Services.
  3. You agree and acknowledge that your use of certain Services, including Third Party Services, may be subject to additional guidelines, terms, policies, or disclaimers made available or issued by Us, any third party or affiliate from time to time in relation to the respective Service (“Additional Terms”). Such Additional Terms shall be read in conjunction with these TOS, and in the event of a conflict between these TOS and any Additional Terms, the Additional Terms shall prevail.
  4. We reserve the right to introduce new services or features at any time as part of Services offered on the Website, which will also be governed by these TOS, unless otherwise stated. By continuing to use our Website, you agree that any new Services or features introduced after your initial acceptance of these TOS will also be subject to these TOS.
  5. Fold reserves the right at any time to modify these TOS and to add new or additional terms or conditions on the use of the Services and the Website. While we endeavor to notify users of significant changes to the TOS, you acknowledge that it is not always possible to provide advance notice for every modification. It is your responsibility to periodically review these TOS to stay informed of any changes. Your continued use of our Services after any updates or additions signifies your acceptance of the modified terms. If you do not agree to any changes or additions, you should discontinue your use of our Services.