Terms of Service

THIS TERMS OF SERVICE CONTAINS AN ARBITRATION AGREEMENT, WHICH WILL, WITH LIMITED EXCEPTION, REQUIRE YOU TO SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION. UNDER THE ARBITRATION AGREEMENT, (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST COMPANY ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS. Please read these Terms of Service, the “Terms of Service” (collectively with BeYou Together Limited’s Privacy Policy: https://beyouonline.co.uk/pages/privacy and Refund Policy: https://beyouonline.co.uk/pages/delivery-refunds fully and carefully before using www.beyouonline.co.uk (the “Site”) and the services, features, content, applications, or products (as defined below) offered by BeYou Together Limited  (Company Number10958384) (“we”, “us”, “our” or “BeYou”) (together with the Site, the “Services”). BeYou Together Ltd's registered address is Unit 21 Wainwright Street, Birmingham, B6 5TH, United Kingdom.

These Terms of Service set forth the legally binding terms and conditions for your use of the Site and the Services. If you do not agree to these Terms, then you must exit the Site immediately and discontinue any use of the information or products obtainable or accessible through the Site. If you have any questions about the Terms, please contact us at info@beyouonline.co.uk or 0121 663 6635. We provide the Site in order to enable you to browse and purchase BeYou product(s) and services.

ACCEPTANCE OF TERMS OF SERVICE By registering for and/or using the Services in any manner, including but not limited to visiting or browsing the Site, you agree to these Terms of Service and all other operating rules, policies and procedures that may be published from time to time on the Site by us, each of which is incorporated by reference and each of which may be updated from time to time without notice to you. Certain Services may be subject to additional terms and conditions specified by us from time to time; your use of such Services is subject to those additional terms and conditions, which are incorporated into these Terms of Service by this reference. These Terms of Service apply to all users of the Services, including, without limitation, registered and unregistered users.

ARBITRATION NOTICE AND CLASS ACTION WAIVER: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. ELIGIBILITY You represent and warrant that you are at least 13 years of age. If you are under age 13, you may not, under any circumstances or for any reason, use the Services. We may, in our sole discretion, refuse to offer the Services to any person or entity and change its eligibility criteria at any time. You are solely responsible for ensuring that these Terms of Service are in compliance with all laws, rules and regulations applicable to you and the right to access the Services is revoked where these Terms of Service or use of the Services is prohibited or to the extent offering, sale or provision of the Services conflicts with any applicable law, rule or regulation. Further, the Services are offered only for your use, and not for the use or benefit of any third party.

REGISTRATION To sign up for the Services, you must register for an account on the Services (an “Account”). You must provide accurate and complete information and keep your Account information updated. You shall not: (i) select or use as a username a name of another person with the intent to impersonate that person; (ii) use as a username a name subject to any rights of a person other than you without appropriate authorization; or (iii) use, as a username, a name that is otherwise offensive, vulgar or obscene. You are solely responsible for the activity that occurs on your Account, and for keeping your Account password secure. You may never use another person’s user account or registration information for the Services without permission. You must notify us immediately of any change in your eligibility to use the Services (including any changes to or revocation of any licenses from governing authorities), breach of security or unauthorized use of your Account. You should never publish, distribute or post login information for your Account. You shall have the ability to delete your Account through a request made to one of our employees. You agree to notify us immediately of any breach in secrecy of your log-in information. If you have any reason to believe that your account information has been compromised or that your account has been accessed by a third party, you agree to immediately notify BeYou Together Limited by e-mail to info@beyouonline.co.uk. You will be solely responsible for the losses incurred by BeYou Together Limited and others due to any unauthorized use of your account. I. ELECTRONIC COMMUNICATION When you visit the Site, or send us e-mails, you are communicating with us electronically. In so doing, you consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing. II. CONTENT COPYRIGHT Images of people, places and/or Services posted on this Site are either the property of BeYou Together Limited or our licensors. Unless otherwise noted, all content included on this Site, including images, illustrations, designs, icons, photographs, video clips and written and other materials (together, with "Marks" (as defined below),"BeYou Content") is the property of BeYou Together Limited or its licensors, partners or affiliates and is protected by United Kingdom and international copyright laws. The compilation of this Site is the exclusive property of BeYou Together Limited and is protected by United Kingdom and international intellectual property laws. Any unauthorized use of any content or materials on this Site is strictly prohibited and may violate copyright and trademark laws, and/or the laws of privacy, publicity, and/or communications regulations and statutes. You may use the materials or content on this Site only with our prior written and express authorization. To inquire about obtaining authorization to use the materials or content on this Site, please contact us at info@beyouonline.co.uk. TRADEMARKS All trademarks, service marks, and trade names (collectively the "Marks") that appear on this Site are proprietary to BeYou Together Limited, or the other respective owners of such Marks. You may not display or reproduce the Marks in any manner without the prior written consent of BeYou Together Limited, and you may not remove or otherwise modify in any manner any trademark notices from any content offered or received through the Site. III. LIMITED LICENSE AND SITE ACCESS We grant you a limited license to use the Site for personal use only. Consequently, this grant does not allow you to do any of the following: (a) resell or make any commercial use of this Site or any of the contents of this Site; (b) modify, adapt, translate, reverse engineer, decompile, disassemble or convert into human readable form any of the contents of this Site not intended to be so read. This includes using or directly viewing the underlying HTML or other code from this Site except as interpreted and displayed in a web browser; (c) copy, imitate, mirror, reproduce, distribute, publish, download, display, perform, post or transmit any of the contents of this Site (including any Marks) in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise; or (d) use any data mining, bots, spiders, automated tools or similar data gathering and extraction methods on the contents of the Site or to collect any information from the Site or any other user of the Site. IV. FEES, PAYMENTS, BILLING, SHIPPING & RETURNS PAID SERVICES Certain of our Services, including the purchase of any products offered by us, may be subject to payments now or in the future (the “Paid Services”). Please see our FAQ https://beyouonline.co.uk/pages/frequently-asked-questions for a description of the current Paid Services. Please note that any payment terms presented to you in the process of using or signing up for a Paid Service are deemed part of this Agreement. BILLING We use a third-party payment processor (the “Payment Processor”) to bill you through a payment account linked to your Account on the Services (your “Billing Account”) for use of the Paid Services. The processing of payments will be subject to the terms, conditions and privacy policies of the Payment Processor in addition to this Agreement. We are not responsible for errors by the Payment Processor. By choosing to use Paid Services, you agree to pay us, through the Payment Processor, all charges at the prices then in effect for any use of such Paid Services in accordance with the applicable payment terms and you authorize us, through the Payment Processor, to charge your chosen payment provider (your “Payment Method”). You agree to make payments using that selected Payment Method. We reserve the right to correct any errors or mistakes that it makes even if it has already requested or received payment. PAYMENT METHOD The terms of your payment will be based on your Payment Method and may be determined by agreements between you and the financial institution, credit card issuer or other provider of your chosen Payment Method. If we, through the Payment Processor, do not receive payment from you, you agree to pay all amounts due on your Billing Account upon demand. RECURRING BILLING Some of the Paid Services, such as the purchase of auto-replacing BeYou period cramp relief patches or other products, may consist of an initial period, for which there is a one-time charge, followed by recurring period charges as agreed to by you. You will have the ability to cancel or modify your Paid Services any time after a two month period following your first purchase. More information on auto-replacing products can be found at our FAQ page. By choosing a recurring payment plan, you acknowledge that such Services have an initial and recurring payment feature and you accept responsibility for all recurring charges prior to cancellation. All recurring payments are fully earned upon payment. WE MAY SUBMIT PERIODIC CHARGES (E.G., EVERY 23 DAYS) WITHOUT FURTHER AUTHORIZATION FROM YOU, UNTIL YOU PROVIDE PRIOR NOTICE (RECEIPT OF WHICH IS CONFIRMED BY US) THAT YOU HAVE TERMINATED THIS AUTHORIZATION OR WISH TO CHANGE YOUR PAYMENT METHOD. SUCH NOTICE WILL NOT AFFECT CHARGES SUBMITTED BEFORE WE REASONABLY COULD ACT. TO TERMINATE YOUR AUTHORIZATION OR CHANGE YOUR PAYMENT METHOD, GO TO WWW.BEYOUONLINE.CO.UK CURRENT INFORMATION REQUIRED YOU MUST PROVIDE CURRENT, COMPLETE AND ACCURATE INFORMATION FOR YOUR BILLING ACCOUNT. YOU MUST PROMPTLY UPDATE ALL INFORMATION TO KEEP YOUR BILLING ACCOUNT CURRENT, COMPLETE AND ACCURATE (SUCH AS A CHANGE IN BILLING ADDRESS, CREDIT CARD NUMBER, OR CREDIT CARD EXPIRATION DATE), AND YOU MUST PROMPTLY NOTIFY US OR OUR PAYMENT PROCESSOR IF YOUR PAYMENT METHOD IS CANCELED (E.G., FOR LOSS OR THEFT) OR IF YOU BECOME AWARE OF A POTENTIAL BREACH OF SECURITY, SUCH AS THE UNAUTHORIZED DISCLOSURE OR USE OF YOUR USER NAME OR PASSWORD. CHANGES TO SUCH INFORMATION CAN BE MADE AT WWW.BEYOUONLINE.CO.UK. IF YOU FAIL TO PROVIDE ANY OF THE FOREGOING INFORMATION, YOU AGREE THAT WE MAY CONTINUE CHARGING YOU FOR ANY USE OF PAID SERVICES UNDER YOUR BILLING ACCOUNT UNLESS YOU HAVE TERMINATED YOUR PAID SERVICES AS SET FORTH ABOVE. CHANGE IN AMOUNT AUTHORISED If the amount to be charged to your Billing Account varies from the amount you preauthorized (other than due to the imposition or change in the amount of sales taxes), you have the right to receive, and we shall provide, notice of the amount to be charged and the date of the charge before the scheduled date of the transaction. Any agreement you have with your payment provider will govern your use of your Payment Method. You agree that we may accumulate charges incurred and submit them as one or more aggregate charges during or at the end of each billing cycle. AUTO-RENEWAL FOR SUBSCRIPTION SERVICES Unless you opt out of auto-renewal, which can be done by emailing info@beyouonline.co.uk, any subscription services, such as any auto-replacing products (“Subscription Services”), you have signed up for will be automatically extended for successive renewal periods of the same duration as the subscription term originally selected, at the then-current non-promotional rate. To change or resign your Subscription Services at any time, email info@beyouonline.co.uk or 0121 663 6635. If you terminate a Subscription Service, you may use your subscription until the end of your then-current term; your subscription will not be renewed after your then-current term expires as long you have had a minimum of two charges. All fees related to Subscription Services are fully earned upon payment. REAFFIRMATION OF AUTHORISATION Your non-termination or continued use of a Paid Service (including Subscription Services) reaffirms that we are authorized to charge your Payment Method for that Paid Service. We may submit those charges for payment and you will be responsible for such charges. This does not waive our right to seek payment directly from you. Your charges may be payable in advance, in arrears, per usage, or as otherwise described when you initially selected to use the Paid Service. TRIALS AND OTHER PROMOTIONS Any trial or other promotion that provides access to a Paid Service (a “Trial Offer”) must be used within the specified time of the trial. You will be required to have a valid Payment Method on file in order to initiate a Trial Offer. You must stop using a Paid Service before the end of the Trial Offer period in order to avoid being charged for that Paid Service. If you cancel prior to the end of the Trial Offer Period and are inadvertently charged for a Paid Service, please contact us at info@beyouonline.co.uk. Trial Offers are one-time only for new customers and are limited to one per household. Additional terms and limitations may apply and will be more fully explained at the time you sign up for the Trial Offer. Any such additional terms and limitations are deemed part of this Agreement. TERMINATION We may terminate your access to all or any part of the Services at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership. If you wish to terminate your Account, you may do so by contacting customer support by emailing info@beyouonline.co.uk. Any fees paid hereunder are non-refundable. All provisions of these Terms of Service which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. PRICING The price for any Products ("Products") or Paid Services available for purchase through the Site will be displayed to you on the Site. The prices displayed do not always include taxes. Any applicable taxes will be communicated to you before you place an order. Pound Sterling. All monetary transactions on the Site take place in Pound Sterling (£ / GBP). SHIPPING When you place an order for Products through the Site, the Products will be shipped to the address you designate as the "Shipping Address" during the checkout process. INTERNATIONAL SHIPPING The goods will be imported on behalf of the consignee/ebuyer. The consignee authorizes BeYou Together Limited to import the goods on his behalf. Further, the consignee/buyer agrees that BeYou Together Limited may delegate the obligation to import the goods on his behalf to a subcontractor. The consignee will pay the taxes & duties in addition with the purchase price of the goods. V. GIFT AND OFFER CODES From time to time, BeYou Together Limited may offer qualified consumers "gift codes" or "offer codes" through a variety of promotional activities and communications (collectively referred to herein as "offer codes") that are redeemable towards a purchase on beyouonline.co.uk, while supplies last, and subject to certain exclusions or any other restrictions as may be determined and communicated by BeYou Together Limited in its sole discretion. Only valid offer codes provided or promoted by BeYou Together Limited will be honored at checkout. Codes supplied or promoted by third parties unauthorized by BeYou Together Limited (including any unauthorized third party websites) will not be considered valid. Each offer code promoted by BeYou Together Limited is non-transferable and valid for single use on an item (or items) of merchandise as determined by BeYou Together Limited. Offer codes may not be combined and may not be used in conjunction with the BeYou Referral Program, and customers are limited to the use of a single offer code per order. Offer codes cannot be used towards purchase of non-branded merchandise, packaging or applicable taxes. For online purchases, the code must be entered in the 'discount code' field at checkout. Offer codes are not valid for use by customers that elect to finance their purchase through Affirm. BeYou Together Limited is not responsible for lost, stolen or corrupted codes or any unauthorized use of codes. Offer codes cannot be redeemed for cash or any cash equivalent; no substitutions or credits allowed. The Sterling value of any offer code will not be refunded or credited back if any or all of the merchandise is returned. Expiry dates may apply to each offer code. Offer codes are void if copied, transferred, sold, exchanged or expired, and where prohibited. Requests not complying with all offer code requirements will not be honored. 12 Days of Christmas Giveaway Offer ends at midnight on 12th December 2021. Multiple entries allowed. Winners will be emailed directly by 15th December 2021. Winners must be signed up to receive promotional emails to be informed. One winner per voucher. VI. FEEDBACK We appreciate hearing from our users and welcome your comments regarding the Site. Please be advised, however, that if you send us creative ideas, suggestions, inventions, or materials ("Creative Ideas"), we will (a) own, exclusively, all now known or later discovered rights to the Creative Ideas; (b) not be subject to any obligation of confidentiality and will not be liable for any use or disclosure of any Creative Ideas; and (c) be entitled to unrestricted use of the Creative Ideas for any purpose whatsoever, commercial or otherwise, without compensation to you or any other person. VII. CONTENT YOU SUBMIT TO BEYOU TOGETHER LIMITED From time to time, BeYou Together Limited may allow you to post reviews, comments, photos, or similar materials on the Site (collectively, the "Reviews"). We welcome your comments regarding our Products and Services, including our Site. However, any Reviews you submit to BeYou Together Limited must not harass, slander, malign, libel, defame, threaten, or otherwise violate any rights of any third-parties and must not include any profanity, obscene, indecent, pornographic, defamatory or unlawful material. By posting a Review on the Site, you hereby grant BeYou Together Limited an unrestricted, assignable, sublicensable, perpetual royalty-free, fully paid up license throughout the world to reproduce, distribute, publicly display, transmit, communicate to the public, publicly perform on a through-to- the-audience basis, create derivative works from, and otherwise use and exploit (collectively, "Use") all Reviews you post to the Site, for any purpose, including promoting and marketing BeYou Together Limited and the Products and Services. You further grant BeYou Together Limited a royalty-free license to Use the name, image, and likeness of any person identifiable in any Review you post to the Site. By posting a Review, you waive any and all rights of publicity, privacy or any other rights of a similar nature, in addition to any moral rights you may have in your Review. Except for materials provided to you by BeYou Together Limited through the Site, you represent, warrant, and covenant that (i) you either are the sole and exclusive owner of Reviews that you post to the Site, or you have all rights, licenses, consents, and releases that are necessary to grant to BeYou Together Limited the rights in your Reviews as contemplated under the Terms, and (ii) the Reviews you post to the Site do not (A) infringe, misappropriate or violate the rights of any party or entity, including a third party's patent, copyright, trademark, trade secret, moral rights, rights of publicity, rights of privacy or other intellectual property or proprietary rights, (B) constitute or result in defamation, libel, slander, or the violation of any applicable law or regulation (including, without limitation, restrictions on obscenity, child pornography, wiretap laws or other similar restrictions on nonconsensual recording, or otherwise), or (C) require BeYou Together Limited to obtain any licenses from or make any payments in any amounts to any third party throughout the world. No Objectionable Content. You agree not to submit Reviews that: (i) are or could be interpreted to be infringing, defamatory, libelous, inaccurate, unlawful, harmful, threatening, abusive, harassing, vulgar, offensive, obscene, pornographic, objectionable, hateful, or promotes discrimination, bigotry, racism, or hatred, as determined by BeYou Together Limited in its sole discretion; or (ii) introduce viruses, time-bombs, worms, cancel bots, Trojan Horses and/or other harmful or malicious code. Monitoring. BeYou Together Limited has no obligation to monitor this Site or any portion thereof. However, we reserve the right to review any Reviews and remove, delete, redact or otherwise modify such Reviews, in our sole discretion, at any time and from time to time, without notice or further obligation to you. BeYou Together Limited has no obligation to display or post any Reviews. BeYou Together Limited, subject to our Privacy Policy, reserves the right to disclose, at any time and from time to time, any information or posted content that it deems necessary or appropriate, including without limitation to satisfy any applicable, law, regulation, contractual obligation, legal, dispute process, or governmental request. VIII. USE OF THE SITE You agree to use the Site only for its intended purpose. You must use the Site in compliance with these Terms, our Privacy Policy and all privacy, data protection, intellectual property, and other applicable laws. The following uses of the Site are prohibited. You may not: Attempt to interfere with, harm, reverse engineer, steal from, or gain unauthorized access to the Site, user accounts, or the technology and equipment supporting the Site; Frame or link to the Site without permission; Use data mining, robots, or other data gathering devices on or through the Site; Post incomplete, false, or misleading information, impersonate another person, or misrepresent your affiliation with a person or entity; Disclose personal information about another person or harass, abuse, or post objectionable material; Sell, transfer, or assign any of your rights to use the Site to a third party without our express written consent; Post advertising or marketing links or content, except as specifically allowed by these Terms; Use the Site in an illegal way or to commit an illegal act in relation to the Site or that otherwise results in fines, penalties, and other liability to BeYou Together Limited or others; or Access the Site from a jurisdiction where it is illegal or unauthorized. IX. DISCLAIMER We do not represent or guarantee the truthfulness, accuracy, or reliability of content, posted by third parties. You accept that any reliance on material posted by third-party service providers will be at your own risk. By using the Site you accept the risk that you might be exposed to content that is objectionable or otherwise inappropriate. We may change, suspend, or discontinue any aspect of the Site at any time, including hours of operation or availability of the Site or any feature, without notice or liability. User Disputes. We are not responsible for any disputes or disagreements between you and any third party you interact with using the Site. You assume all risk associated with dealing with third parties. You agree to resolve disputes directly with the other party. You release BeYou Together Limited of all claims, demands, and damages in disputes among users of the Site. You also agree not to involve us in such disputes. Use caution and common sense when using the Site. Content Accuracy. We make no representations about accuracy, reliability, completeness, or timeliness of any contents of the Site. Similarly, we make no representations about accuracy, reliability, completeness, or timeliness of any data from a third-party service provider or the quality or nature of third-party products or services obtained through the Services. Use the Site at your own risk. We make no promises and disclaim all liability of specific results from the use of the Site. Released Parties Defined. "Released Parties" include BeYou Together Limited and its affiliates, officers, employees, agents, partners, and licensors. YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (A) YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK, AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND THE RELEASED PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO PRODUCTS OR SERVICES LISTED ON THE SITE, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) THE RELEASED PARTIES MAKE NO WARRANTY THAT (i) THE SITE WILL MEET YOUR REQUIREMENTS, (ii) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY GOODS OR SERVICE AVAILABLE ON THE SITE WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE SITE WILL BE CORRECTED; AND (C) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE THAT RESULTS FROM THE USE OF ANY SUCH MATERIAL. X. LIMITATION ON LIABILITY YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE RELEASED PARTIES WILL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE RELEASED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SITE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH, FROM, OR AS A RESULT OF THE SITE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY USER OR THIRD PARTY ON THE SITE; (v) YOUR RELIANCE ON CONTENT MADE AVAILABLE BY US; OR (vi) ANY OTHER MATTER RELATING TO THE SITE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS IN THIS PARAGRAPH MAY NOT APPLY TO YOU. TO THE FULLEST EXTENT POSSIBLE BY LAW, THE RELEASED PARTIES' MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE SITE OR YOUR USE OF ANY CONTENT MADE AVAILABLE BY US, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), WILL NOT EXCEED £100. XI. INDEMNIFICATION You agree to defend, indemnify, and hold harmless the Released Parties from and against any claims, actions, or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from (i) your use of or reliance on any third-party content, (ii) your use of or reliance on any BeYou Content, or (iii) your breach of these Terms. We will provide notice to you promptly of any such claim, suit, or proceeding. XII. DISPUTE RESOLUTION PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS. These Terms and the relationship between you and BeYou Together Limited will be governed by the laws of the United Kingdom without regard to its conflict of law provisions. You also acknowledge and understand that, with respect to any dispute with the Released Parties arising out of or relating to your use of the Site, purchase of Products or Services, or these Terms: YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY; AND YOU MUST FILE ANY CLAIM WITHIN ONE (1) YEAR AFTER SUCH CLAIM AROSE OR IT IS FOREVER BARRED. YOU AND COMPANY AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND COMPANY AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). XIII. TERMINATION Notwithstanding any of these Terms, we reserve the right, without notice or attendant liability, and in our sole discretion, to terminate your license to use this Site, and to block or prevent future access to and use of this Site for any reason or no reason. Upon termination, these Terms will still apply. WE RESERVE THE RIGHT TO UPDATE AND REVISE THESE TERMS AT ANY TIME. XIV. TIME From time to time we review these Terms to ensure that they comply with applicable law. Consequently, we reserve the right to update and revise these Terms at any time. You will know if these Terms have been revised since your last visit to the website by referring to the "Effective Date of Current Policy" date at the bottom of this page; provided, however, that we will endeavor to provide you with prior notice of any material changes. Your use of our website constitutes your acceptance of the terms of these Terms as amended or revised by us from time to time, and you should therefore review these Terms regularly to ensure that you are aware of its terms. XV. WAIVER Our failure to partially or fully exercise any rights or our waiver of any breach of these Terms by user shall not prevent our subsequent exercise of such right or be deemed a waiver by us of any subsequent breach by you of the same or any other term of these Terms. Our rights and remedies under these Terms and any other applicable agreement between you and us shall be cumulative, and the exercise of any such right or remedy shall not limit our right to exercise any other right or remedy. XVI. SEVERABILITY If any of these Terms is be deemed invalid, void, or for any reason unenforceable, that term will be severed and will not affect the validity and enforceability of any remaining term or condition. XVII. ENTIRE AGREEMENT These Terms constitute the entire agreement between the user and BeYou Together Limited with respect to this Site and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written with respect to this Site. A printed version of these Terms and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Any rights not expressly granted herein are reserved. Effective Date of Current Policy: June 29, 2018 ------------------------------------------------------------------------------- Terms for Klarna Shopping Service Highlights of change since last update of these Terms: New Section 3. A new Klarna interface is being launched, the Klarna Extension for certain computer browsers. The section explains how the extension works and sets out the terms for the features available therein. Last updates 06.11.2021 These terms and conditions represent an Agreement between Klarna Bank AB (“Klarna”, “we”, “us” or “our”) and you (“you” and “your”) when you use Klarna’s services and features as described in these terms, as may be amended from time to time (the “Service”). You sign up for the Service and enter into an Agreement with Klarna by accepting these terms on the first occasion that you use Klarna and create your User Account. You can at any time access the latest version of these terms via the Klarna App or our website. You can also download the terms here. Klarna User Account When you use one of Klarna’s Payment Services in a merchant's checkout for the first time or when you download and log in to the Klarna App, you acknowledge that a Klarna User Account will be created in your name. Description of the Service For Klarna, shopping is not just about finding great stuff and paying for them - it is also about enjoying a great shopping experience at the store of your preference, a state of the art app, and many other things. Simply put, a smoooth user experience both before you have done your purchases and after you have done a purchase. These terms explain in more detail what a "smoooth user experience" means. Please note that additional terms may apply to a specific Payment Service if you choose to make your payment by using one of the Payment Services offered by Klarna. 1. Smoooth User Experience - Autofill and preferences In order for you to have a smoooth and friction free shopping experience we will remember some information about you and use that information to autofill different forms with your information during your shopping . This will enable you to save time and focus on more important stuff than filling out the same information over and over again. Let us explain in more detail how this works. Autofill while shopping with Klarna When using Klarna the first time you will be asked to create a Klarna User Account to make your future interaction with Klarna smoother. We will keep this information in our systems so that when you return to us or use our Service, you only need to provide some information to us. We will handle all personal information we collect in creating your Klarna User Account in accordance with our Privacy Notice. When we are able to identify you, we may autofill some information about you in the purchase flow, such as name, address, telephone number, email, date of birth and card details. The autofill is based on the information stored on your Klarna User Account. An example of when autofill is used is when you shop directly from the Klarna App. 2. Klarna App The Klarna App, provided to you by way of an app or a web portal is your online shopping assistant, constituting your hub for all your Klarna purchases and all other great features Klarna offers. By using the Klarna App you can pay your purchases, track your packages and many more things. Some of these features are activated by downloading the Klarna App or logging in through the web portal, while others can be activated by you after login. Klarna wants to provide you with the best shopping experience and offer you the ability to search for a wide range of stores in the Klarna App. We may not have a commercial relationship with all stores shown or searchable in the Klarna App. In these cases, Klarna acts like a web browser or search engine, thereby just redirecting you to the store’s website. The exact content of features can differ between different country versions of the Klarna App. Klarna updates the Klarna App continuously with new and improved features. To mention a few of the features we are most proud of: Features: View your Klarna purchases and transactions Manage your payments Easy interaction with Klarna Example of other features we may offer depending on country version: Shopping services like search functions, an overview of stores that we think you will like, as well as personalised recommendations, offers and other content Shop using Klarna’s payment methods - even at stores which do not yet use Klarna Order, delivery or parcel tracking Easy return handling and refunds Personal finance overview and management Display and storage of your transactions, purchases, receipts, images and other material CO2 emission footprint on your purchases View your orders made via stores or entities unrelated to Klarna Create and share collections of goods or services of your choice Share your transactions with other Klarna users An assistant that suggests to help you to fill in various information (such as payment method, card details, shipping address) by use of autofill View your transactions made with one of our subsidiaries Sofort GmbH, Billpay GmbH and Klarna Inc. This will only be done after you have signed up for it in the subsidiaries services. The transaction data (such as for example name, address, bank account number/IBAN, sort code/BIC, reason for payment, date and amount, order details) will then be submitted to Klarna. As a Klarna App user you may, at your own discretion, upload, publish and share your content, such as collections, images and nicknames. You acknowledge that by sharing content you make it publically available, which means that information about you becomes available to others, and may be used and shared further by other individuals. You may only upload, publish or share content which you have the right to use for these purposes, and which do not violate law, this Agreement or third party rights. You agree to not upload, publish or share content which is unlawful, fraudulent, abusive, threatening, violate the rights of others, offensive or criminal (such as agitation against ethnical groups, child pornography or unlawful depictions of violence) or ; transmitting content that contains viruses, Trojan horses, spyware, adware, malware, or other harmful or damaging programming; distributing unsolicited advertising (spam) or any other form of harassment. Klarna reserves the right, without obligation, to monitor, review, adjust, inactivate or remove content, without notifying you or a third party, in our sole discretion. You are solely responsible for your upload, publication and sharing of content, and agree to indemnify and hold Klarna harmless from damages, loss or costs incurred by your upload, publication or sharing of content, including in connection to third party claims against Klarna. 3. Klarna Extension-specific Terms and Conditions Klarna Extension features assorted discount coupons on the online-store presence of merchants collaborating with and selected by Klarna ("Affiliate Stores"). Further, additional features are usable subject to an additional login into the Klarna Extension, enabling you to expand your purchase experience by earning points (as described hereunder) and using a tailored card payment solution (also described hereunder). Klarna receives fees for referring our Klarna Extension users to Affiliated Stores, and Klarna uses a portion of those fees to pay for gift cards earned by our users through accruing points on Qualifying Purchases. A "Qualifying Purchase" shall be those purchases where the Affiliate Store offers points on the purchase. The Affiliate Stores available through the Klarna Extension are entirely at the discretion of Klarna and may vary from time to time. Any purchases that you make are directly from Affiliate Stores and not from Klarna. The Affiliate Store’s terms and conditions shall apply to purchases made on its site and Klarna shall not have any liability in relation to any products or services that you purchase. We have no control over the contents of Affiliate Stores' websites. 3.1 General Information, Acceptance of these Terms, Eligibility The “Klarna Extension” is a software application made available by Klarna. The terms and conditions (“Extension Terms”) in this Section 3 are only applicable to your (hereinafter “Extension User” or "you") use of the Klarna Extension. By installing, activating, enabling, using, or otherwise accessing Klarna Extension, you accept these Extension Terms. Do not install, activate, enable, or otherwise access the Klarna Extension, if you do not wish to be bound by these Extension Terms. Klarna Extension can only be used on Google Chrome and in the future may become available on other supported web browsers. The technical usability of Klarna Extension is subject to the respective usage terms of these browsers and the technical limitations and specifications of any device on which Klarna Extension is to be installed. An Extension User must be at least 18 (eighteen) years old and have a European phone number to use the Klarna Extension, in addition to the eligibility requirements and Extension Terms set forth below. By installing, activating, enabling, using, or otherwise accessing the Klarna Extension, you confirm that you are 18 years old or over and that these Extension Terms will govern your use of the Klarna Extension. 3.2 Klarna Extension Functions and Limitations The Klarna Extension offers several features, some of which are only accessible to an Extension User after first registering for a Klarna Extension account. These features are split into basic functions, each a “Basic Function”, and enhanced functions, each an “Enhanced Function”. Klarna updates the Klarna Extension continuously with new and improved features and reserves the right to withdraw any of the Basic Functions or Enhanced Functions at any time. Enhanced Functions Prerequisite In order to use the Enhanced Functions, the Extension User must first create a user account (“Account”). To create an Account, you are required to provide your contact information, including a valid email address and postal address. Klarna reserves the right to verify your eligibility to create an Account. You must ensure that your details in your Account are kept up to date. You are responsible for the security of and activity conducted through your Account. Please keep your Account details secure. 3.2.1 Klarna Extension Basic Functions If the online store you visit is one of our Affiliate Stores, when you reach the Affiliate Store’s checkout you will be notified in the browser if there are coupons available and offered the opportunity to activate the coupons. If you choose to view the available coupons, the Basic Function will then show you available coupons for the Affiliate Store. All coupons and discounts are provided by the Affiliate Store. Coupon terms are subject to the relevant Affiliate Store’s terms and conditions. Klarna always strives to provide you with accurate coupons. However, we do not warrant or guarantee the availability of coupons or that any of the coupons or discounts are accurate, complete, up to date or error free or that any such coupons or discounts will offer the lowest price for an item. Klarna may earn a commission from your transaction. Examples of other Basic Function(s) that may be available to you depending on your country’s version of the Klarna Extension include the following: Create and share collections of goods or services of your choice (wishlists). Our price compare tool. The price compare tool searches for better prices on the relevant Amazon website by comparing sellers for you. Please note that Amazon and Klarna are not affiliated. Prices on Amazon may change and the results of our price comparison tool are valid only at the time the comparison is made. Klarna does not become a party to any agreement that you conclude with Amazon and is also not liable for any issues arising from contractual relationships existing between you and third parties. Klarna always strives to provide you with as complete and accurate information as possible. However, we gather information from public-domain sources. Our intention is that all the information in relation to the price compare toll should be accurate and up-to-date. However, we cannot guarantee the reliability or the accuracy of the information. 3.2.2 Klarna Extension Enhanced Functions Klarna Reward This function permits an Extension User to accrue points on Qualifying Purchases into a dedicated Account within Klarna Extension (“Points”). One Point will be the equivalent of GBP 1. The number of Points accrued on a Qualifying Purchase may be set individually by each Affiliate Store and may be changed by each Affiliate Store from time to time. Points can be collected by following the process set out below. You do not need to log in to the Klarna Extension at the time of purchase to collect Points, but in order to see your current Points balance or redeem such amount (subject to these Extension Terms) you need to be logged in and provide us with your name, email, and postal address - unless you have already provided that information to Klarna. Points are accrued on the net purchase amount. The net purchase amount for determining Points excludes taxes, fees, shipping, gift-wrapping, returns or cancellations, and extended warranties. Points may not be allocated if all or part of your order is returned, amended or cancelled. In order to earn and redeem Points, the following steps must be taken: Points are only earned by making online purchases of Qualifying Purchases at Affiliate Stores. Affiliate Stores may exclude certain products and purchases from the Klarna Reward Enhanced Function. The availability of Points for a particular Qualifying Purchase will be shown in the Klarna Extension. The Klarna Extension will show the number of Points available during the specific Extension User’s Shopping Session. A “Shopping Session” describes the uninterrupted process of product selection until payment for the Qualifying Purchase is completed on an Affiliate Store’s website. Once an Extension User has reached an Affiliate Store’s checkout during a Shopping Session, the Extension User may activate Points by clicking the relevant button. The Affiliate Store’s terms and conditions shall apply to purchases made on its site. After activating Points, an Extension User must complete the purchase in the same Shopping Session to accrue Points. Points cannot be redeemed retrospectively against any item(s) which you have already purchased. An Extension User must ensure that all technical criteria are met in order to activate and claim Points, including having cookies and java script enabled on your web browser. You will need to log in to your Account from the device used for the Shopping Session within fourteen (14) days of completing each Shopping Session so that we can allocate Points to your Account. A Points figure that was correctly obtained during a Shopping Session will be credited to an Account within thirty (30) days after an Affiliate Store’s (contractual and/or statutory) return policy (i.e. as long as you can return the item or service you bought) period expires. During the return policy period, the Points are categorised as Pending. The Extension User needs to collect a total amount of 25 Points (minimum) in order to redeem the Points for a gift card (the “Payout Threshold”). You must have the number of Points required for a gift card in your Account at the time of redemption. You cannot redeem Points which have not yet been credited to your Account. Subject to any other requirement in these Extension Terms, once the Extension User has reached the Payout Threshold, we will send an email to the Extension User’s registered email containing a redemption code that the Extension User may use to redeem the Points as a gift card. More information on how you do this is provided in the email you receive. Klarna may modify or add gift card providers at its discretion. The gift cards are subject to terms and conditions of the gift card provider and the relevant merchant if specified. If you have any questions related to the gift cards, you can contact our customer service and we will assist you further. Klarna sends emails with an offer to redeem the Extension User’s Points on a quarterly basis. Provided that you have at least 25 Points in your Account available for redemption, you will be offered the chance to redeem your Points during the next available period. Klarna is not responsible for lost email or any other event or delay beyond the control of Klarna. Once you have reached the Payout Threshold and we have sent you a redemption code, the redeemed Points will no longer be available in your Account and your Points balance will be adjusted to reflect the same. You will be responsible for selecting a gift card. Klarna will not have any responsibility for any error you make in selecting a gift card and/or your use of that gift card. Points: can only be earned, retained or redeemed as set out in these Extension Terms; cannot be used as any form of credit, debit or for any other purpose; can only be redeemed for gift cards as set out in these Extension Terms; they have no redeemable cash value and cannot be exchanged for cash; cannot be sold, transferred or exchanged (to other Klarna accounts or otherwise) or used for any other purpose, except as specified in these Extension Terms or otherwise in writing by Klarna; and are personal to your Account and cannot be pooled with the Points earned by another person and/or redeemed together. If someone else accesses your Account, then you may lose Points earned. You can check your Points balance on your Account at any point by logging in to your Account in your Klarna Extension. If you decide to check your balance, you will be responsible for all connection and/or data charges you incur in doing so. Please note also that we will not be responsible for any communication failure arising from events outside of our control which, for example (but without limitation), results in you being unable to check your Points balance or your Points balance not updating or being slow to update. You can also confirm your Points balance at any time by contacting customer service. We reserve the right to correct or amend Points balances in your Account or to suspend redemption codes if Points have been allocated to you in error or we reasonably consider that there has been a misuse of the Klarna Extension or an error has occurred. If you wish to query such correction or amendment to your Points balance or suspension of a redemption code, please contact our customer service. Klarna reserves the right to limit or terminate your Account (including without limitation by terminating the collection of Points and/or redemption of gift cards) and/or take any other action we consider appropriate if we reasonably suspect that you are not eligible to participate in the Enhanced Functions under these Extension Terms, there is misconduct, fraudulent, unauthorised or inappropriate use of your Account (including without limitation tampering with or duplicating Points), you have provided us with false or misleading information or you have otherwise not complied with these Extension Terms. One-Time Card One additional Enhanced Function is the use of the One-Time Card Service - one of Klarna’s available payment services. The use of the One-time Card is governed by the One-time Card terms available here. Licence Agreement and Limitations Klarna grants the Extension User a non-exclusive, non-transferable, non-sublicensable right to use the Klarna Extension. Klarna has the right to downgrade, limit or otherwise modify the scope and/or content of Klarna Extension at any time and/or amend, vary or alter these Extension Terms, to the extent we consider it necessary to do so without prior notice. Any amendments to the Extension Terms will be effective upon the posting of the revised Extension Terms to https://www.klarna.com/uk/terms-and-conditions/ and the login site of the Klarna Extension. Please check the website and the link available on the login screen to the Klarna Extension on a regular basis. Klarna has no warranty, compensation, maintenance, support or availability obligations for Klarna Extension. Except to the extent that liability cannot be excluded or limited as a matter of law, Klarna accepts no responsibility or liability for (a) Accounts which are created using incorrect or inaccurate information; (b) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications, line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, computers or providers used in any aspect of the operation of the Klarna Extension; (c) inaccessibility or unavailability of any network or wireless service, the Internet and/or any website; (d) any injury or damage to any person’s computer(s) or mobile device(s) which may be related to or result from any attempt to use the Klarna Extension; or (e) any matter outside of its reasonable control. Inactive Accounts If your Account is inactive for twelve (12) consecutive months or more, then any unused or unredeemed Points will expire. You will not be able to redeem a gift card using those forfeited Points. Forfeited Points cannot be reinstated. Klarna may also close the Account permanently and cease to maintain your Account records and your access to the Klarna Extension. To reactivate your Account, please contact our customer service. Login and security You must keep your Account login details safe and secure. The Klarna Extension may only be used by the Extension User as the Account holder and no third parties. You may not make purchases on behalf of third parties using the Klarna Extension or your Account. An Extension User or Account holder may not grant access to the Klarna Extension or his/her Account to any third party for any purpose. Any access by any such third party shall be deemed an unauthorised access of such Account. Once logged in you will be kept logged in until you actively log out or, until you have been inactive for 60 days, in which case you will be automatically logged out. To avoid unauthorised use of your Klarna Extension or unintended disclosure of your personal data, make sure only you have access to your login details and that you always log out from your Account if you leave the computer or device unattended. You are solely responsible for any unauthorised use of your Account or unintended disclosure of your personal data due to loss of login details or leaving your computer or device unattended. If at any time you wish to terminate your Account and withdraw from the Enhanced Functions, you can make a request by contacting our customer service. Alternatively, you can simply cease using your Account. If you terminate your Account by contacting customer service or if we terminate your Account, then we will forfeit all of your unused Points at the date of termination. General Any decision of Klarna is final and no correspondence will be entered into. If there is a conflict in these Extension Terms with any other terms whatsoever attached to any other advertising material in respect of the Klarna Extension, these conditions will take precedence. Any personal information supplied in connection with the Klarna Extension will be used, shared and retained as set out in the privacy notice found here. 4. Show historical purchases and transactions We save information about your purchases and transactions in the Klarna App. As a part of the Service provided under these terms, Klarna enables you to see information about your purchases and transactions in the Klarna App. If you want to learn more about how Klarna uses this information, and other information we have about you, please see our Privacy Notice. 5. Offers and benefits Klarna may provide you with offers and benefits such as discounts, special events, pre-access to products, sales promotions, merchant offers, sampling and giveaways. What offers and benefits you receive will be based on your previous actions such as number of purchases, purchase amounts, or usage of Klarna’s Services. 6. Are there any costs for the Service? This Service and other services offered by Klarna are free of charge. Please note that interest and fees may apply to the use of a specific Service offered by Klarna. So make sure you check the specific information for the Service that you use. 7. Privacy and your personal data To the extent you cause our processing of information, e.g. by uploading, publishing or sharing data in the Klarna App, about you indicating political or philosophical beliefs, trade union membership, data concerning health or sex life, etc. (so-called special categories of personal data, in accordance with EU Regulation 2016/679 (the “GDPR”) and the “UK GDPR”), you give your explicit consent to us processing that data to perform our Service. Please see our Privacy Notice for further information regarding our processing of your personal information and more information about your rights regarding your data. You can also find our contact information if you should have any questions. 8. Card Payments When making a purchase with Klarna you may configure and use a number of different funding sources, including debit, credit or prepaid cards. Your funding source will be saved to your Klarna User Account until you edit/remove it from your user account or if the user account is deleted. By choosing to save your card details with Klarna you authorise Klarna to charge this funding source for any subsequent usage of Klarna when making purchases with us. You will not be charged until you make a purchase. If your default card funding source can't be charged for a purchase, including instalment plans or subscriptions, if applicable, you authorize Klarna to attempt to charge your other card funding sources, registered to your Klarna User Account. 9. Your obligations You shall always provide correct information and use your own and correct identity. Any use of information that does not belong to you or that you for other reasons are not authorised to use, or the use of the Service in a non-prescribed way, will be seen as a misuse. Any data relating to misuse or suspected misuse may be saved and used for future risk assessment and for the protection of involved parties. Klarna reserves the right to block the Service from further usage. If you upload, import or share content to Klarna, like images, texts, receipts, information on goods, service or deliveries, or other content, you grant Klarna a royalty-free right to use and display the content for purposes of delivering the Service. We have the right to remove any content uploaded or shared by you if we are required by law, or believe it is offensive, inappropriate, unlawful, violating the rights of others, or otherwise objectionable. You are liable for any content uploaded or shared by you. You acknowledge and agree that if you upload, import or share content that is abusive, threatening or offensive, or violates, or Klarna may reasonably assume to violate, law or your agreement with Klarna, we may terminate or deactivate your use of the Klarna App. 10. Third party services Some features used by you, for example parcel tracking, may include services provided by a third party. Logistic companies’ tracking functions is an example of this. When you use features which rely on third party services, you authorize Klarna to utilize those services on your behalf. Your use of Google Maps in the checkout (for example by searching for your address in the address field) and the Klarna App is subject to the then-current Google Maps/Google Earth's Terms of Service and Privacy Policy. Furthermore, to prevent abuse of the Klarna’s App via the web portal, Klarna may use reCAPTCHA, making you subject to Google’s Terms of Service and Privacy Policy. The Klarna App is available through third-party distribution platforms (“Application Stores”). You may require prior registration with the relevant Application Store. Klarna has no influence on the collection, processing and use of personal data by the respective Application Store operators. 11. Changes to these terms In order to provide you with an increasingly smooth user experience, we may make changes to these terms from time to time so you should check back regularly to see if anything has changed. However, if we make significant changes, we will give you two months’ advance notice of those changes. If you gave us your email address when you created your Klarna User Account, we will send the notice to that email address, but otherwise you will need to review these terms each time you log in to check for changes. We will make all changes easy to identify. You will need to agree to the changes the next time that you log in after the end of the notice period. If you do not agree to any changes, you may contact Customer Service to terminate this Agreement. More information on how to terminate this Agreement can be found under section “Duration and termination of this Agreement” below. 12. Duration and termination of this Agreement This Agreement is for an indefinite period of time and continues until it is terminated by you or Klarna. You may request to terminate this Agreement at any time, for any reason, by contacting us directly. Klarna will terminate your access to the App provided that all amounts owed to us by you (including late fees) have been paid in full, and no disputes and/or refunds are in progress. You will remain liable for all outstanding amounts that you owe to Klarna (including late fees) even after this Agreement has been terminated (by you or Klarna). In that scenario, we will provide information to you on how to make payments to us. Klarna may suspend, limit your access to our Services and/or terminate this Agreement where we reasonably consider it necessary to comply with our legal obligations or because you have not complied with this Agreement, for example: for the prevention of fraud; to limit the risk of money laundering and/or terrorism financing; to protect us against any legal or regulatory risks; we reasonably suspect, or are aware, that you have breached this Agreement in a material respect; or we otherwise reasonably consider your activity associated with the Klarna User Account to be in breach of the law. Klarna will give you a three months’ advance notice of any suspension, limitation or termination, but sometimes Klarna will not be permitted to tell you by law or where it will prejudice any investigation. If Klarna cannot provide the Service for any reason or ceases to provide the Service, Klarna may terminate this Agreement by providing three written months' notice. Such notice will be provided to the email address registered to the relevant User Account. Please note that in the event of termination of this Agreement, the use of the Service, including any features provided in, or managed via, the Klarna App, will no longer be available. 13. Electronic communication By accepting these terms you agree to that Klarna will use electronic communication when communicating with you. Payment information, terms, disclosures required by law and other information to you can be provided electronically, including via Klarna website, app, or the email address(es) that you provided to us. Updating your contact information It is your responsibility to ensure that Klarna has your current email address and mobile phone number, so that we can communicate with you electronically. If you need to update your primary email address, please contact Customer Service to make the change. Questions If you have questions about electronic communication in general, please contact Customer Service. 14. Assignment or transfer You may not transfer or assign any rights or obligations you have under these terms. To the extent not otherwise already permitted by applicable law, we may transfer or assign these terms or any right or obligation under these terms at any time provided that such transfer does not alter your rights and obligations under these terms to your detriment. 15. Klarna Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, telephone: +46 8 120 120 00, fax: +46 8 120 120 99, e-mail: kund@klarna.se, is a Swedish bank registered at the Swedish companies register under registration number 556737-0431. The Managing Director is Sebastian Siemiatkowski. Klarna Bank AB (publ) is authorised to provide financial services by Finansinspektionen (the Swedish Financial Supervisory Authority). Klarna’s registration with the Swedish financial supervisory authority as well as a list of countries to which Klarna’s services have been passported to can be found on Finansinspektionen's website. 16. Governing law This Agreement is governed by the laws of England and Wales and is subject to the exclusive jurisdiction of courts of England and Wales. If you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland. 17. Complaints For complaints, the information provided on https://www.klarna.com/uk/feedback-and-complaints/ applies. By using our Service you consent and agree to that Klarna provides all communication regarding complaints electronically. If you have a complaint towards Klarna, you can submit your complaint through Klarna’s Customer Service webpage using the chat function or by giving us a call on (+44) 0808 189 3333. We aim to handle all complaints promptly, effectively and in a positive manner. If we do not resolve your complaint to your satisfaction, you may, in some instances, be able to refer your complaint to the Financial Ombudsman Service by calling 08000234567 or using the online form available at https://www.financial-ombudsman.org.uk/contact/index.html or writing at Exchange Tower, Harbour Exchange, London, E14 9SR. For all other instances, you may refer your complaint to Klarna’s Complaints Adjudicator for an impartial review, using the form provided alongside your final response. For more information about how we handle complaints at Klarna, please refer to our complaints handling procedure. Last updated 6th of November, 2021.