Customer Agreement (LINK.IO Ltd)

Last updated: 28 June 2021

Contents
1. How to read this Agreement
2. Why you should read this Agreement
3. Glossary
4. Who are we and how to contact us
5. Who can use our Services
6. Your Link Account
7. Getting started
8. Getting to know you
9. Keep your Link Account safe
10. Uploading money into your Link Account
11. Sending money
12. Exchange Rates
13. Receiving money
14. Maintaining your Link Account
15. Withdrawing from your Link Account
16. How much will you pay?
17. Currency Conversion
18. Closing your Link Account
19. Intellectual property rights
20. Our responsibility for loss or damage
21. Accessing our services
22. Information security
23. Linking to our site
24. When we can end this Agreement or suspend our Services
25. Our right to make changes
26. How we may contact you
27. Complaints
28. Other important terms

1.How to read this Agreement
This Agreement contains 28 sections. You may go directly to any section by selecting the appropriate link provided. The headings are for reference only. Some capitalized terms have specific definitions in section 3.  For "send money" transactions, this Agreement applies individually to each transaction and is not a Framework Contract. Where you hold a balance with us (Borderless Account), this Agreement applies as a Framework Contract to your Borderless Account and any payment services involving your balances.

2. Why you should read this Agreement
2.1 What this Agreement covers.
These are the terms and conditions on which we provide our Services to you. 

2.2 Why you should read them: Please read this Agreement carefully before you start to use our Services. This Agreement (always together with the documents referred to in it) tells you who we are, how we will provide the Services to you, how this Agreement may be changed or ended, what to do if there is a problem and other important information. If you think that there is a mistake in this Agreement or require any changes, please contact us to discuss.
 
2.3 Other additional documents which apply to you: This Agreement refers to the following additional documents, which also apply to your use of our Services: 
(a) Our Privacy Policy, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing and you promise that all data provided by you is accurate. 
(b)Our Cookie Policy, which sets out information about the “cookies” on our Website. 
(c)Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our Services. 
(d)In order to receive some of our Services, you may be asked to agree to additional terms and conditions (including those referred to in section 28)which we will notify you about at the relevant time. 

2.4 Additional documents: For clarity, the additional documents and the parts of this Agreement which incorporate the additional documents are not Framework Contracts. 

2.5 Future changes to this Agreement: All future changes set out in the Customer Updates section of our Website at the time you sign-up for our Services are incorporated into this Agreement. 

2.6 You accept this Agreement: By visiting our Website and/or using our Services(including downloading and using our App, or via the API, a social media platform or other authorized third party), you confirm that you accept and agree to this Agreement (including the Customer Updates and the additional documents referred to above). If you do not agree, please do not use our Services. 

2.7 Where to get a copy of this Agreement. You can always see the most current version of this Agreement on our Website.

3. Glossary In this Agreement: API means the application programming interface provided by Link. App means the mobile application software, the data supplied with the software and the associated media. Balance means any amounts held in your Link Account. Business Day means a day other than a Saturday, Sunday or a public holiday in Nigeria when financial institutions in Nigeria are open for business. Framework Contract means a contract for payment services which governs the future execution of individual and successive payment transactions and which may contain the obligation and conditions for setting up a payment account as defined in the UK Payment Services Regulations 2017. Group Company means any entity that directly or indirectly controls, is controlled by, or is under common control with another entity. Services means all products, services, content, features, technologies or functions offered by us and all related websites, applications (including the App), and services (including the Website and API). Link Account means the account you have opened with us in accordance with the terms of this Agreement. Website means any webpage, including but not limited to www.linkio.com, where we provide the Services to you.

4. Link App and API
‍4.1 App subject to this Agreement and the App store Rules. We license the use of the App to you on the basis of this Agreement and subject to any rules and policies applied by any app store provider or operator whose sites are located at AppStore and Google Play. We do not sell the App to you. We remain the owners of the App at all times. 
‍
4.2 App updates. From time to time updates to the App may be issued through AppStore or Google Play. Depending on the update, you may not be able to use our Services via the App until you have downloaded the latest version of the App and accepted any new terms. 

4.3 Your right to use the App and the API. In consideration of you agreeing to abide by the terms of this Agreement, we grant you a non-transferable, non-exclusive license to use the App on your device and the API subject to this Agreement. We reserve all other rights. 

5. Who are we and how to contact us
5.1 Our company information. Link is the trading name of Link IO Limited, a company incorporated under the laws of Nigeria. 

5.2 Our registered office is at Plot B30 Federal Housing Estate, Idoro, Akwa Ibom,Nigeria.  

5.3 How to contact us. You can contact us by email, web chat or telephone. Our contact details are provided on the "Contact" page of our Website.  

6. Who can use our Services
6.1 You must be 18 years or over. If you are an individual, you must be 18 years or older to use our Services and by opening a Link Account you declare that you are 18 years or older. We may ask you at any time to show proof of your age. 

6.2 You must have authority to bind your business. If you are not a consumer, you confirm that you have authority to bind any business or entity on whose behalf you use our Services, and that business or entity accepts these terms. 

6.3 Your use of the Link Account must not violate any applicable laws. You committed us that your opening and/or using of a Link Account does not violate any laws applicable to you. You take responsibility for any consequences of your breach of this section. 

7. Your Link Account
7.1 About your Link Account 
(a) Your Link Account allows you to hold, send or receive electronic money/payments. 
(b) The electronic money held on your Link Account does not expire other than when your account is closed, see section 19 for more details. 
(c) The electronic money held on your Link Account will not earn any interest. 
(d) You may hold your electronic money in any currencies which we support from time to time. 
(e) You may withdraw money from your Link Account at any time subject to certain conditions, please see section 16 for more details. 
(f) Certain limits may be placed on your Link Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. 
(g) The electronic money held on your Link Account belongs to the person or legal entity which is registered as the Link Account holder. 
(h) Unless you have our consent in writing, you must not allow anyone to operate your Link Account on your behalf. 

8.Getting started
8.1 Open a Link Account: To start using our Services, you must open a Link Account and provide your details as prompted. 
‍
8.2 Information must be accurate: All information you provide to us must be complete, accurate and truthful at all times. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. 
‍
8.3 Transacting on your own account: All activities under a Link Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. 
‍
8.4 One account per person or entity: You may only open one Link Account unless we have agreed in writing the opening of additional accounts. Link may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Link may close or merge these duplicate accounts at its sole discretion. 

9. Getting to know you
9.1 We are required by law to carry out all necessary security and customer due diligence checks on you (including any parties involved in your transaction for example, your recipient) in order to provide any Services to you. You agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports. You authorize us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your Link Account with us or in the event of a dispute relating to this Agreement and activity under your Link Account. 

10. Keep your Link Account safe
10.1 Keep your Link Account safe 
(i) What to do. You must: 
(a) Change your password regularly and ensure that it isn’t reused across other online accounts. 
(b) Contact Customer Support if anyone asks for your Link password. 
(c) Always follow recommended password management practice, for example: https://support.google.com/accounts/answer/32040?hl=en.
(d) Set up 2-step authentication where prompted (for further instructions please refer to our FAQ). 
(e) Keep your e-mail account secure. You may reset your Link Account password using your email address. Let Customer Support know immediately if your email address becomes compromised. 
(ii) What NOT to do. You must NOT: 
(a) Disclose your Link Account password or your customer reference number. Keep them safe. 
(b) Let anyone access your Link Account or watch you accessing it. 
(c) Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. 
(d) Do anything which may in any way avoid or compromise the 2-step authentication process. 

10.2 Contact us if you suspect your Link Account has been compromised. If you suspect your Link Account or other security credentials are stolen, lost, used without your authorization or otherwise compromised, you must contact Customer Support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Link Account and also result in you being responsible for financial losses. 

10.3 Authorizing third parties: You may authorize third parties to access your Link Account to provide their services to you, including authorizing them to initiate payments from your Link Account. You acknowledge that if you authorize a third party to access your Link Account, we may disclose certain information about your Link Account to this third party. We are not responsible for any such third party’s use of your Link Account or any information in your Link Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Link Account has been compromised or if a transaction is incorrect or unauthorized. 

11. Uploading money into your Link Account
11.1 How to upload money into your Link Account. To upload money, you need to log into your Link Account and follow the steps as they appear on screen. We are not responsible for the money you have uploaded until we have received them. For clarity, in an upload transaction, we are the recipient of funds and not the payment services provider. 

11.2 Paying Methods. You may be presented with one or more methods of upload for example, bank transfer, credit cards or debit cards (in this Agreement, we will call these methods “Paying Methods”). The number of Paying Methods made available to you will depend on a number of factors including where you live and your verification status with us. Paying Methods are not part of our Services, they are services provided by third parties for example, the card provider which issued you with your credit/debit card. We cannot guarantee the use of any particular Paying Method and may change or stop offering a Paying Method at anytime without notice to you. 

11.3 Payment instrument must be in your name. Any payment instrument (for example, the credit card or debit card) you use with your chosen Paying Method must be in your name. 

11.4 Chargebacks on your payment instrument. If you selected a Paying Method which gives you chargeback rights (for example in relation to your credit card, you may ask your card provider to reverse a transaction on your card), you promise that you will only exercise this chargeback right if: 
(a) we have breached this Agreement; or 
(b) there was an unauthorized use of your payment instrument. You promise that you will not exercise your chargeback right for reasons which we are not responsible, including a dispute with your recipient or if there are insufficient funds in your payment instrument. If we need to investigate or take any actions in connection with a chargeback raised by you, we may charge you for our costs in doing so and may deduct such amount from your Link Account. 

11.5 Upload limits on your Link Account: For legal and security reasons, we impose limits on how much you can upload into your Link Account. 

11.6 When we will credit your Link Account: We will credit your Link Account once we have received your money. For some Paying Methods such as credit or debit card, we will credit the money to your Link Account as soon as possible subject to our right of reversal. This means if the actual amount you intended to upload does not reach us within a reasonable time, we may deduct such amount from your Link Account. If you do not have enough money in your Link Account for this purpose, we can demand repayment from you using other methods. 

12. Sending money
12.1 Setting up your payment order You must set up your payment order from your Link Account. Your order may either be: 
(a) a "Fixed Source Order" which is a payment order where you indicate that you wish to send and convert a fixed amount of Source Currency to your recipient who will receive the converted amount in the Target Currency; or 
(b) a "Fixed Target Order" which is a transfer where you indicate that you wish to send and convert a fixed amount of Target Currency to your recipient from the Source Currency you pay into Link. You can only set up a Fixed Target Order for certain Source Currencies, you can find a list of these Source Currencies on our FAQ. 

12.2 Information you need to provide to set up a payment order. To set up a payment order via your Link Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details or their Link Account details and (c) amount to be transferred. 

12.3 Payment order limits: We may place limits on the amount you may send per transfer.  

12.4 When is your payment order received: If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day. 

12.5 What happens after you have submitted your payment order: Once we have received your payment order, we will display it under the Activity section of your Link account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order. 

12.6 You need to provide us with sufficient funds before we can process your payment order. We will only process your payment order if we hold or have received sufficient cleared funds in your Link Account. It is your responsibility to fund your payment order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider.

12.7 Verification checks may increase the time for processing your payment order. We carry out verification checks, and these checks may increase the time it takes to process your payment order. We cannot be responsible for any delays as a result of carrying out those checks. 

12.8 Completion time of your payment order: The estimated completion time of your payment order is notified to you when you complete the setup of your payment order.  

12.9 We will use reasonable efforts to ensure funds arrive at your recipient’s account within the notified timeframe. We will use reasonable efforts to ensure that the funds arrive in the recipient’s bank account or payment account within the timelines notified to you or otherwise specified. We do not have any control over the time it may take for the recipient’s bank or payment provider to credit and make available funds to the recipient. 

12.10 Refusal of your payment order. If we are unable to complete your payment order, we will let you know and, if possible, the reasons for the refusal and an explanation of how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful. 

12.11 You may cancel your payment order before your funds are converted. You may cancel your payment order by following the instructions set out in our FAQ. You cannot cancel your payment order once your funds have been converted into the Target Currency you requested. 

12.12 You must ensure the information you provide to us is correct. You must make sure that the information you provide when setting up a payment order is accurate .If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake. 

12.13 What happens if you provide us with incorrect information. If you provide incorrect information with your payment order, we will use reasonable efforts to recover the funds for you, and may need to charge you a fee for that. 

12.14 When will I be notified of my next scheduled transfer. If you have scheduled a transfer in advance then we will notify you 24 hours before your upcoming transfer, setting out the total fees and the estimated ‘live’ exchange rate for that transfer. By scheduling a transfer, you agree to LINK sending the funds using the live exchange rate at any time on the scheduled date. If you have opted in to receiving emails, we will send you a transfer receipt after successfully sending your scheduled transfer. For more information on scheduled transfers see our Help Centre. 

13.Exchange Rates
13.1 The applicable exchange rate. We will let you know the exchange rate: 
(a) when you place your payment order, if it is a guaranteed rate payment order; or 
(b) when we have received your payment, if it is a non-guaranteed rate payment order. 

13.2 Exchange rate 
(a) Except as specified in section 13.2(b) below, when we refer to an exchange rate in this Agreement, it means the exchange rate at the relevant time for the relevant currency pair (for example, NGN to EUR, NGN to USD) as provided by our reference rate provider, LINK Rest API. We may change our reference rate provider from time to time without notice to you. 

13.3 Guaranteed rates: We offer automatic guaranteed rates on certain payment orders based on the table and subject to the conditions here, which may be changed from time to time.

14.Receiving money
14.1 You can receive money into your Link Account. You can receive money into your Link Account using methods which we support from time to time. 

14.2 The money received is shown in your Link Account. Any money you receive into your Link Account will be recorded in the transaction history section of your Link Account. You should check the incoming funds in your Link Account against yourown records regularly and let us know if there are any irregularities. 

14.3 The money received may be subject to reversal. You acknowledge that the money received in your Link Account ("Received Amount") may be subject to reversal and you agree that we may deduct the Received Amount from your Link Account if it was reversed by the person who paid you the Received Amount or any relevant payment services provider. 

14.4 Sending money using an email address. If you send money to a person using an email address which is not registered with us, the money will not be credited until the intended recipient has claimed the money following the steps we have set out for them. Until then, there is no relationship between us and the intended recipient and the money continues to belong to you. We will refund the money to you if the intended recipient does not claim the money or if they have failed our customer checks within a reasonable time period as determined by us. 

15.Maintaining your Link Account
‍
15.1 Transaction history is displayed on your Link Account. All your transactions (including your current Balance, money you have uploaded, received, sent and/or withdrawn) are recorded in the transaction history section of your Link Account. You may access this information after you log in to your Link Account. We have allocated a reference number to each transaction, you should quote this reference number when communicating with us about a particular transaction. 

15.2 Check your Link Account regularly. You must check your Link Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately, but no later than 13 months from the transaction; otherwise you may not be entitled to have any errors corrected. 

15.3 You accept the risks of holding balances in multiple currencies. You agree and accept all the risks associated with maintaining balances in multiple currencies including any risks associated with fluctuations in the relevant exchange rates over time. You agree that you will not use our Services for speculative trading. 

15.4 No negative balance in your Link Account: You promise to always have a zero or positive Balance in your Link Account. If your Link Account goes into a negative balance as a result of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you, you promise to repay the negative balance immediately without any notice from us. We may send your eminders or take such other reasonable actions to recover the negative balance from you, for example, we may use a debt collection service or take furtherlegal actions. We will charge you for any costs we may incur as a result of these additional collection efforts. 

15.5 Taxes: You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 

16. Withdrawing from your Link Account
‍
16.1 You can request to withdraw your money. After you log in to your Link Account, you may request all or part of your money held in your Link Account to be withdrawn. Press "send money" and follow the steps as prompted onscreen. We will charge you a fee for each withdrawal request, we will let you know the exact amount when you submit your request. You can also find out more information about the fees we charge on the Pricing page. 

16.2 Payout Methods available to you. You may be presented with one or more methods of withdrawal (in this Agreement, we will call these methods "Payout Methods"). The number of Payout Methods made available to you will dependon a number of factors including where you live and your verification status with us. We cannot guarantee the use of any particular Payout Method and may change or stop offering a Payout Method at any time without notice to you, but we will ensure that you will always have at least one Payout Method available to you. 

16.3 Payout Methods are not part of our Services. Payout Methods are not part of our Services, they are services provided by third parties for example the bank where you hold your bank account. For the purposes of a withdrawal transaction, we are a payer and not a payment service provider. 

16.4 You must provide correct information to us. When setting up your withdrawal request, you must ensure that the information you provide is correct and complete. We will not be responsible for money sent to the wrong recipient as a result of incorrect information provided by you. If you have provided wrong information to us, you may ask us to assist you in recovering the money, but we cannot guarantee that such efforts will be successful. 

16.5 Your withdrawal request is subject to limits. You agree that your Link Account is subject to withdrawal limits. If your withdrawal request exceeds the current limit, we may decline your request and require you to provide additional documents to us so that we can carry out additional checks before allowing the money to be withdrawn. 

17. How much will you pay?
‍
17.1 You must pay our fees. You must pay the fees in connection with the use of our Services. We will not process your transaction until we have received the fees from you. 

17.2 You can see our fee structure on the Pricing page. We will let you know the exact amount payable by you when you set up your order. You can see our fee structure on the "Pricing" page. For clarity, the fees applicable to you as set out on the "Pricing" page forms part of this Agreement which may be subject to change as set out in section 26. 

17.3 We can make deductions from your Link Account. You agree that we are authorised to deduct our fees, any applicable reversal amounts, and/or any amounts you owe us from your Link Account. If you don’t have enough money in your Link Account to cover these amounts, we may refuse to execute the relevant transaction or provide any Services to you. 

18.Currency Conversion

18.1 You may convert the money held in one currency in your Link Account into other currencies we support from time to time. You can only perform a conversion in respect of funds that you already hold in your Link Account. A conversion fee will apply when we perform a currency conversion. 

19.Closing your Link Account

19.1 You may close your Link Account at any time. You may end this Agreement and close your Link Account at any time by contacting our Customer Support. 

19.2 You should withdraw your money within a reasonable time. At the time of closure, if you still have money in your Link Account, you must withdraw your money within a reasonable period of time by following the steps described in section 16. After a reasonable period of time, you will no longer have access to your Link Account, but you can still withdraw your money by contacting Customer Support. You have the right to do this for a period of 6 years from the date your Link Account is closed. 

19.3 You must not close your Link Account to avoid an investigation. You must not close your Link Account to avoid an investigation. If you attempt to close your Link Account during an investigation, we may hold your money until the investigation is fully completed in order to protect our or a third party’s interest. 

19.4 You are responsible for your Link Account after closure. You agree that you will continue to be responsible for all obligations related to your Link Account even after it is closed. 

20.Intellectual property rights

20.1 While you are using our Services, you may use the Link Materials only for your personal use and solely as necessary in relation to those Services. 

20.2 "Link Materials" include any software (including without limitation the App, the API, developer tools, sample source code, and code libraries),data, materials, content and printed and electronic documentation (including any specifications and integration guides) developed and provided by us or our affiliates to you, or available for download from our Website. You may not, and may not attempt to, directly or indirectly: transfer, sublicense, loan, sell, assign, lease, rent, distribute or grant rights in the Service or the Link Materials to any person or entity; remove, obscure, or alter any notice of any of our trade marks, or other "intellectual property" appearing on or contained within the Services or on any Link Materials; modify, copy, tamper with or otherwise create derivative works of any software included in the Link Materials; or reverse engineer, disassemble, or decompile the Link Materials or the Services or apply any other process or procedure to derive the source code of any software included in the Link Materials or as part of the Services.

21. Our responsibility for loss or damage

21.1 We are responsible to you for foreseeable loss and damage caused by us. If we do not reasonably meet our commitments to you, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill. We are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during your account sign up process. 

21.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation. 

21.3 We are not liable for business losses. If you use our Services for any commercial or business purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. 

21.4 We are not liable for technological attacks. We will not be liable for any loss or damage caused by a virus, or other technological attacks or harmful material that may infect your computer equipment, computer programmes, data or other proprietary material related to your use of our Services. 

21.5 We have no control over websites linked to and from our Website. We assume no responsibility for their content or any loss or damage that may arise from your use of them. 21.6Our liability to you for unauthorised payments or our mistake. In case of an unauthorised payment or mistake due to our error, we shall at your request immediately refund the payment amount including all fees deducted by us. This shall not apply: (a)where your Link Account, or its personalised security features, are lost,stolen or misappropriated. You will be liable for the first GBP 35 of anyunauthorised payments if we believe you should have been aware of the loss,theft or unauthorised use. We will not hold you liable for the first GBP 35 if the unauthorised payment was caused either by our acts or omissions, or thoseof a third party expressly carrying out activities on our behalf. Yourliability for the first GBP 35 also does not apply to any unauthorisedtransactions made after you have notified us that your Link Account may havebeen compromised (using the details we’ve given you); (b)if you have acted fraudulently, in which case we will not refund you in anycircumstances; (c)if you do not quickly notify us of security issues on your Link Account (e.g.loss of your password), you remain liable for losses incurred up to yournotification to us; (d)if the payment transaction was unauthorised but you have with intent or grossnegligence compromised the security of your Link Account or failed to complywith your obligations to use your Link Account in the manner set out in thisAgreement. In such a case you shall be solely liable for all losses; or (e)if you don’t let us know about the unauthorised or incorrectly completedtransaction within 13 months from the date of the payment transaction. 21.7You are responsible for checking your Link Account regularly. We rely on you toregularly check the transactions history of your Link Account and to contactCustomer Support immediately in case you have any questions or concerns. 21.8We are not liable for things which are outside of our control. We (and ouraffiliates) cannot be liable for our inability to deliver or delay as a resultof things which are outside our control. 21.9You are liable for breaking this Agreement or applicable laws. In the unlikelyevent of loss or claims or costs and expenses arising out of your breach ofthis Agreement, any applicable law or regulation and/or your use of ourServices, you agree to compensate us and our affiliates and hold us harmless.This provision will continue after our relationship ends. 21.10What happens if you owe us money. In the event you are liable for any amountsowed to us, we may immediately remove such amounts from your Balance (ifavailable). If there are insufficient funds in your Balance to cover yourliability, we reserve the right to collect your debt to us by using anypayments received in your Link Account and otherwise you agree to reimburse usthrough other means. We may also recover amounts you owe us through legalmeans, including, without limitation, through the use of a debt collectionagency. 22.Accessing our services22.1We will try to make sure our Services are available to you when you need them.However, we do not guarantee that our Services will always be available or be uninterrupted.We may suspend, withdraw, discontinue or change all or any part of our Servicewithout notice. We will not be liable to you if for any reason our Services areunavailable at any time or for any period. You are responsible for making allarrangements necessary for you to have access to our Services. If you havegranted permission to a third party to access your account, we may refuseaccess to that third party if we are concerned about unauthorised or fraudulentaccess by that third party. We will give you notice if we do this, eitherbefore or immediately after we refuse access, unless notifying you would beunlawful or compromise our reasonable security measures. 23.Information security23.1You are responsible for configuring your information technology, computerprogrammes and platform in order to access our Services. You should use yourown virus protection software. We cannot guarantee that our Services will befree from bugs or viruses. 23.2You must not misuse our Services. You must not misuse our Services byintroducing viruses, trojans, worms, logic bombs or other materials which aremalicious or technologically harmful. You must not attempt to gain unauthorisedaccess to our Website, our servers, computers or databases. You must not attackour Website with any type of denial of service attack. By breaching thisprovision, you would commit a criminal offence under the Computer Misuse Act1990. We will report any such breach to the relevant law enforcementauthorities and we will co-operate with those authorities by disclosing youridentity to them. In the event of such a breach, your right to use our Websiteand/or our Services will cease immediately.