1. INTRODUCTION

Please read the Terms carefully as these general Terms and Conditions ("Terms and Conditions" or "T&C") shall be valid for all betting games offered by Correct Tech Nigeria Limited under the name of BetCorrect (a company duly registered under the laws of the Federal Republic of Nigeria, with company registration number RC 1996922).

These Terms and Conditions constitute a binding contract between you and Correct Tech Nigeria Limited.  If you do not accept the Terms, do not use the Website, Mobile platform, Retail outlets or any other means of placing betting or other transactions. The Terms and Conditions shall also apply to all gaming via mobile devices including downloadable applications to a mobile device.

In these Terms and Conditions, unless the context requires otherwise, the expressions have the following meaning:

1.1.  “Operator,” “BetCorrect”, “We”, “Us” or “Our” is Correct Tech Nigeria Limited, operating under the brand name of BetCorrect. a Sports Betting Operator incorporated in Nigeria.

 1.2.  “Website” or “Site” is the website available at the URL www.BetCorrect.ng and other related URLs.

 1.3. You", "Your" or the "Customer" is reference to any person using the Website or any of the services of BetCorrect and/or any registered customer of BetCorrect.

 1.4. "Username" is reference to any person who has registered on our website.

 1.5. “Platform” is reference to any means of placing a bet or other transaction with BetCorrect which includes, but is not limited to, online (Web, Mobile, Mobile App, USSD, SMS) and retail.

 1.6.    “Games” are Sportsbook, Virtual, Casino and other games as may from time to time become available on the Operator’s Website and in Operator’s Betting Shops.

 2. AMENDING THE TERMS AND CONDITIONS

2.1 We may amend the Terms and Conditions from time to time for a number of reasons including (without limitation) commercial reasons, to comply with law or regulation, to comply with instructions, guidance or recommendations from regulatory bodies, or for customer service reasons (e.g. to keep up to date with any changes to the Services).

2.2 If we make material changes to the Terms and Conditions, we will give you as much prior notice of such changes as is reasonably practicable but, in any event, customers will be notified of material changes before they come into effect. Material changes will be communicated to you via pop-up web and/or mobile messages when you log into your Account and/or by email. Your continued use of the Services after being notified of the material changes will be deemed to be your acceptance of the changes. If you do not agree to the changes, then you must not continue to use the Services, but you will always be able to withdraw your funds (subject to any rights we may have under the Terms and Conditions to withhold funds).

2.3 The date on which each relevant document comprising the then-current Terms and Conditions came into (or will come into) force will be stated at the bottom of the relevant page(s).

2.4 These General Terms and Conditions apply to all players playing on all our platforms. By using, registering and/or visiting any sections of our website www.BetCorrect.ng or any other application or platform or placing a bet in any of the operator’s betting shops you agree to be bound by our Terms and conditions.

2.5 The Terms and Conditions contained herein represent the complete, final, and exclusive agreement between the player and the Company and supersedes any and all prior agreements, representations, understandings, and statements made by its agents and its employees.

3 ACCOUNT ELIGIBILITY

3.1 To use the Services, you must register and open an account ("Account") with us. In order to register an Account, you agree and warrant (i.e., you promise and confirm to us) that:

3.1.1 You are at least 18 years of age as underage betting is strictly prohibited on our site. Upon discovery that an account has been opened by an underage person, any winnings shall be confiscated, deposit or remaining balance, as the case may be, returned (subject to reasonable charges) and the account will be closed. In the case of Betting Shops, age verification will be requested if deemed necessary by our staff or the Agent at any time. We reserve the right, without notice, liability or recourse to damages, to void any bet placed by any person less than 18 years of age.

 3.1.2 You will provide accurate registration information when opening your Account, including without limitation your name, your correct date of birth, together with valid identification proving the same, your current address, email address and personal telephone number which will all be verified by us (we may suspend or restrict your Account until you provide such evidence). You further agree to promptly inform us of any changes in such details by contacting our support channels provided on our website.

3.1.3 You acknowledge that you are opening an Account solely for your personal use, and are not acting and will never act on behalf of any third party;

3.1.4 You will not attempt to sell or otherwise transfer the benefit of your Account to any third party and neither will you acquire or attempt to acquire an Account which has been opened in the name of a third party;

4 ACCOUNT VERIFICATION AND DUE DILIGENCE

4.1 The following information must be provided during the Account registration process:

•        Valid mobile number;

 4.2 As noted above, you must enter all mandatory information requested into your registration form, all of which must be true, complete and correct. You authorize us to carry out identification and other verification checks that we may require and/or are required by applicable laws and regulations and/or by the relevant regulatory authorities. You agree to provide all requested information in connection with these verification checks.

4.3 We will try to conduct our verification processes electronically where possible, but if we are unable to do so, or if the check is inconclusive, we may ask you to provide us with personal identity documents. The identification documents that we may request for are your valid means of identification, utility bill or proof of deposit. As the case may be, we might require deeper checks.

4.4 As a licensed gambling operator and in compliance with our legal and regulatory obligations we are required to conduct a number of checks during the entire account validity with us. In order to meet our regulatory obligations, we may ask that you provide personal details and/or documentation relating to your financial circumstances. As part of the registration and verification process, we may supply your information details to authorized reference agencies to confirm your identity. You agree that we may process such information in connection with your registration and BetCorrect’s obligation in terms of ‘Know your customer” (KYC) and “Anti Money Laundering” (AML).

4.5 You agree to provide all such information as we reasonably require, in the form that we require it, from time-to-time. If you do not or cannot provide us with the required information, we are entitled to restrict your Account in any manner that we reasonably deem appropriate, including preventing you from accessing the Services, placing any Bets, or from withdrawing your funds. Your Account may also ultimately be suspended or permanently closed.

4.6 You accept that all transactions may be checked to prevent money laundering and that any transactions made by you which we deem to be suspicious may be reported to the appropriate authorities.

4.7 When deciding whether to accept your application for an Account, we may supply the information you have given us to authorized third parties to confirm your age, identity and registered payment details. They will check any details we disclose to them against any databases (public or private) to which they have access and will keep a record of that check.

4.8 We will process the personal information which you provide in connection with your registration in accordance with our Privacy Policy.

 5. DUPLICATE ACCOUNTS

5.1 Only one Account is permitted per customer for all BetCorrect services. If you open more than one Account, such additional Account will be classified as a "Duplicate Account". If we discover that you hold one or more Duplicate Accounts, the following actions would be taken.

 5.1.1 Close the Duplicate Account(s) or the original Account (as applicable), leaving you with only one Account (unless we have reason – for example if you have deliberately or fraudulently opened more than one active Account –BetCorrect reserves the right to close all of your Accounts);

5.1.2 Treat all bonuses and free bets, and all winnings accrued from such bonuses and free bets, obtained using the Duplicate Account as void; and

5.1.3 Void/cancel all future bets/wagers made on the Duplicate Account.

 6 ACCOUNT SECURITY AND HOW YOUR FUNDS ARE PROTECTED

6.1 To open an Account, you will need to choose your own confidential username and password.

6.2 Your username and password must be kept confidential. All Bets placed using a correctly entered Account username and password will be regarded as valid, provided that:

6.2.1 The Bet meets the other criteria for placing a Bet as laid down in the Terms and Conditions; and

6.2.2 We have no other reason to believe, at the time of acceptance of the Bet, that the Bet was not placed by you.

 6.3 Subject to the foregoing and other than where it is due to our negligence, we will not be liable for any loss that you may incur as a result of misuse of usernames or passwords, or from any unauthorized use of your Account, whether fraudulent or otherwise.

 6.4 Please contact us as soon as possible if you have lost or forgotten your Account details. You agree to inform us as soon as possible (by telephone, email, chats or any other channel provided) if you believe that your Account information is being misused by a third party so that we may suspend your Account to prevent further abuse.

6.5 It is your responsibility to ensure that all your personal details are current and up-to-date, as failure to do so may result in Bets or payments being declined or payments being issued incorrectly. You can update your personal details via the Websites, by chat, or by telephone.

6.6 We recommend that you disable any automatic password memory in your browser prior to using the Services. This will help to limit the risk of unauthorized use of your Account.

7 CONFIRMATION OF BET:

7.1 Bets will not be valid if there are insufficient funds in your account.

7.2 A bet is not valid until a transaction code has been issued by BetCorrect prior to the betting event.

7.3 All bets that have not been confirmed before the start of the betting event by the issuance of a code will be considered void. The printed version or a photo of a bet that has not yet been confirmed by BetCorrect will not be considered as a valid receipt.

7.4 BetCorrect only recognizes bets that appear as confirmed on the bet list of the betting account. Bets, which do not directly appear on BetCorrect server, are not valid. If you are unsure about the validity of a bet, please check your Account or contact our Customer Service. We shall not be liable for the settlement of any bets which are not issued with a unique transaction code. Should a dispute arise, you and BetCorrect agree that the BetCorrect transaction log database will be the ultimate authority in such matters.

7.5 It is the Customer’s sole responsibility to verify that the number of bets placed and the amount staked are coherent with his will before confirming the bet. Once confirmed, the bet cannot be changed or cancelled by the Customer. All odds are subject to changes. Only the odds indicated by BetCorrect in the bet receipt are deemed as valid.

7.6 BetCorrect has the right to refuse, accept or partially accept the bet amount. Furthermore, BetCorrect has the right to cancel all accepted bets before the betting event begins without any explanation.

7.7 In case of irregularities impacting upon the outcome of a betting event (e.g., team playing with youth squad because of strike/protest/illness etc.), BetCorrect has the right to declare the whole betting event void even after the event has taken place.

7.8 It is possible to place single as well as multiple bets. Multiple bets, which combine different selections within the same event or within different events, are not accepted if the outcome of one affect or is affected by the outcome of the other, unless special odds are offered for the combined eventuality. Where such a bet is accidentally accepted, because of human or technical error, BetCorrect reserves the right to void part of or the whole of the bet.

7.9 Requests containing the same selections or alternate from the same or different customers may be subsequently deemed void if believed that the customers are acting in collusion or as a syndicate. Also, where bet requests are registered within a short time of another, same may be voided

7.9.1 In any one of the cases, BetCorrect may pay out only an amount that would have been accepted for one customer placing one bet. We will inform the customer by e-mail or phone and the intended stake will be left on the customer's betting account. Where a selection is made void, in case of Single bets the stakes will be returned. In accumulative bets, the stake will stand for the remaining selections.

7.10 The “possible winnings” section is for information only and all bets will be settled upon the basis of the stake at the accepted odds.

7.11  If a football game is postponed or canceled for the day that was scheduled at the time when the bet was placed, then all bets on that game will be void unless the game is not played by the end of the next day. An event interrupted for any reason (even at the last minute) and not resumed and completed within the time frame indicated, it shall be void. .

7.12 Unless otherwise stated in these Terms and Conditions, the result of a sports event or race will be that which is declared by the relevant sport's governing body immediately upon the conclusion of the event. If a subsequent enquiry results in an alteration to the previously declared result, then notwithstanding this outcome, the original settlement of bets will stand. For example, horseracing bets will be settled on the basis of the official result at the weigh-in and will not be affected by any subsequent inquiries.

7.13 If the venue for any sporting event is changed, then all bets placed prior to the announcement of the change will be void.

7.14 The times of the events cited on the website are only indicative and subject to change by various sports federations. Consequently, bets inadvertently placed after the start of an event will be considered invalid, without prejudice to the other events which may be included in a multiple bet.

7.15 We reserve the right to delay a winning to validate if the bet was placed after the game had started.

7.16 If we find the instructions to be ambiguous and the ambiguity cannot be resolved before the start of the event then we reserve the right to void the bet, win or lose.

7.17 Customer complaints or disputes regarding a bet acceptance, settlement or resettlement must be submitted within three (3) months from the date of the settlement of the bet, or if still pending, from the date of acceptance of the bet.

8 BONUSES

8.1 All customer offers are limited to one per person, family, household address, email address, telephone number, mobile device (e.g., mobile or tablet), IP address, application download, or shared computer (e.g., public library or workplace).

8.2 Where any term of the offer or promotion is breached or there is any evidence of a series of bets placed by a customer or group of customers (e.g. where common betting patterns across the same fixture/markets have been identified across accounts), which due to a deposit bonus, enhanced payments, free and risk-free bets, or any other promotional offer results in guaranteed customer profits irrespective of the outcome, whether individually or as part of a group, BetCorrect reserves the right to reclaim the bonus element of such offers and in BetCorrect’s absolute discretion settle bets at the correct odds, void the free and risk-free bets or void any bet funded by the deposit bonus. In addition, BetCorrect reserves the right to levy an administration charge on the customer up to the value of the deposit bonus, free and risk-free bet, or additional payment to cover administrative costs. BetCorrect further reserves the right to ask any customer to provide sufficient documentation for BetCorrect to be satisfied in its absolute discretion as to the customer’s identity prior to BetCorrect crediting any bonus, free and risk-free bet or offer to the customer’s account.

8.3 BetCorrect reserves the right to withdraw the availability of any offer or all offers to any customer or group of customers at any time and at BetCorrect’s sole and absolute discretion. Offers only apply to customers who have made an actual/real money deposit with BetCorrect.

8.4 BetCorrect reserves the right to amend the terms of or cancel any customer offer or promotion at any time.

8.5 BetCorrect is committed to providing a fair and enjoyable betting experience for all users. Any form of abuse or exploitation of our bonus structure will not be tolerated. Specifically, we reserve the right to take action under the following circumstances:

1. Systematic Exploitation: If we identify that a client is placing multiple bets involving the same events and markets (regardless of market outcome) with the intent to exploit our accumulator bonuses, BetCorrect reserves the right to:

• Void any bets that are determined to be part of an exploitative betting system.

• Remove any winnings or bonuses derived from such behavior.

• Permanently close the customer’s account without prior notice.

2. Patterns of Abuse: BetCorrect’s monitoring systems are designed to detect unusual betting patterns that indicate bonus abuse. If we find that a customer is consistently placing bets designed to minimize risk and maximize bonus payouts through manipulation of our bet structures, we will consider this a breach of our fair play policy.

3. Final Decision: BetCorrect reserves the right, at its sole discretion, to determine what constitutes bonus abuse and take appropriate action, including but not limited to, voiding bets, removing bonuses, and closing accounts.

9 PAYOUTS

9.1 All funds in a customer’s BetCorrect wallet will be credited to the customer’s personal bank account. Payout would only be credited from the bank account the customer’s wallet has been funded with. All withdrawals are processed within two (2) working days (cases of delay in payment gateway) provided they are initiated during working hours.

9.2 Payout would remain in the customer's account and would not be granted in cases where BetCorrect has requested full verification of the account.

9.3 BetCorrect does not accept any liability for any delays which may be due to the payment provider or the customer’s bank.

9.4 BetCorrect has the right to deduct from your account any winnings mistakenly credited to your wallet either by technical or human error. The amount remains the property of BetCorrect and you shall not have any right to sue BetCorrect for such transfer. If prior to the Operator becoming aware of the error you have withdrawn funds that do not belong to you, without prejudice to other remedies and actions that may be available at law, the mistakenly paid amount will constitute a debt owed by you to the Operator and the Operator shall have the right to debit your account at any time the account is funded by you. In the event of an incorrect crediting, you are obliged to immediately notify the Operator by email.

9.5. BetCorrect may request identification documents for all withdrawals and perform due diligence in respect to withdrawal of funds which have not been used for wagering. Identification documents shall be either the National Identity Card, Voters Identity card, Driver’s License, or international passport of the Customer. This request can also extend to any withdrawal or number of withdrawals which cumulatively amount to or exceed the equivalent of Two Hundred and Fifty Thousand Naira Only (₦250,000.00) and BetCorrect reserves the right to carry out such verification procedures in case of lower withdrawals.

9.6. BetCorrect shall carry out additional verification procedures and the identification of the Customer including all transactions will be checked to prevent money laundering and terrorist financing. If the Customer fails to provide us with any of the requested documents within thirty (30) days of such request, BetCorrect may confiscate any winnings on the account, return the original deposit or remaining balance (as the case may be), to the Customer (subject to reasonable charges) and close the account.

10. DEPOSITS

10.1 To participate in any real-money Bets via the Services, you must deposit money into your Account. All information required to deposit funds into your Account can be found in the Deposit page by clicking on the “Deposit” button on the Website or in the Help page- Payment Methods section of the Website. You can use any of the methods available to you as specified in these pages.

10.2 Ensure you are making a deposit from your bank account as the name confirmed on your deposit would be put in consideration when conducting deeper checks on your account especially in case of withdrawal. Deposit must be made only with a credit card issued or from a bank account or e-wallet account held in the Customer’s name.

10.3. The type of deposit opted for may incur charges. Your bank may independently charge you for bank wire transfers and other methods of payment.

10.4 BetCorrect according to the regulators may carry out additional verification procedures which might warrant checking the identification of the Customer for any deposit which cumulatively amounts to or exceeds the equivalent of (Three Hundred Thousand Naira Only) ₦300,000.00.

10.5. BetCorrect would ensure and advise that customers make deposits to their wallet from their own bank account as all transactions will be checked to prevent money laundering and terrorist financing.

10.6. BetCorrect on finding out that a deposit was not made from your bank account or e-wallet carrying the Customer’s name has the right to return such deposit (transfer charges might be applied).

10.7. All funds deposited in Customer’s wallet cannot be withdrawn but must only be used for playing Games, only winnings can be withdrawn. 10.8. BetCorrect does not grant any credit for the use of its services and credit balances in your account will not bear interest as the Operator would not be seen as a financial institution.

11. EXCEPTIONAL OCCURRENCE

11.1. Where the Operator is not convinced of the reliability of the outcome of the betting event published in the official sources of information, it shall be entitled to defer confirmation of the result for up to three (3) working days. The Operator shall publish this on its Website. Upon expiry of the period of deferral, the winning shall be disbursed in accordance with the adjusted data available in the official sources of information or, where such adjustments are not available, according to the original data.

11.2. If the outcome of the betting event (a complaint has been lodged) is contested before publication of the original match record (statistical data published immediately after the match), disbursements of all related winnings shall be deferred to the date of examination of the opposition (complaint).

11.3. In case of cancellation or change of the result of the betting event (for example, due to disqualification of a team or a Customer, officiating, amendments to the terms and conditions etc.), the original result, that has been published before contesting it shall be deemed to be the valid result of the betting event.

11.4. If the Operator makes a mistake in accepting the bet placed by the Customer and finds out about such mistake before or after the start of the betting event or after the conclusion of the betting event, the bet shall be cancelled. Mistake shall be deemed to include (but shall not be limited to) the following cases:

(i) setting the betting odds which is obviously erroneous;

(ii) a comma is missing;

(iii) where due to a technical error in live betting, the betting odds in the betting offers are not updated and does not reflect the real course of the match;

(iv) the positive sign is reversed with the negative sign;

(v) the additional betting event offers do not meet the main offers of the outcomes of the same event (winner, handicap, total etc.);

(vi) the odds of the outcome significantly differ from the odds of the same outcome in the offers of other betting operators (e.g. Bet365, Pinnacle, etc.);

(vii) a bet has been erroneously accepted on a market which should have been suspended or removed;

(viii) a bet containing incompatible events is accidentally accepted, because of human or technical error;

(ix) a settlement error is made while computing or crediting the amount of winnings.

11.5 We reserve the right to withhold payment and to declare bets on an event void if we reasonably believe that the following has occurred:

(i) the integrity of the event has been called into question;

(ii) the price(s) or pool has been manipulated;

(iii)Match rigging has taken place.

Evidence of the above may be based on the size, volume or pattern of bets placed with us across any or all of our betting channels. A decision given by the relevant governing body of the sport in question (if any) will be conclusive. If any Customer owes any money to BetCorrect for any reason, we have the right to take that into account before making any payments to that Customer.

12. PUBLICITY

By playing any of our Games on the Website, you agree that should you win a prize, you will allow your name and photograph to be used in associated promotions or press, without further agreement from, or compensation to you.

13. INTELLECTUAL PROPERTY RIGHT.

13.1      You acknowledge and agree that all intellectual property rights on our Website, the Services and/or Information or Data shall remain at all times vested in BetCorrect, its affiliates or other third-party licensors.

13.2      These intellectual property rights include, without limitation, copyright, trademarks, the underlying software, the design, graphics, layout, look and feel and structure of our Website and the Services, database rights, design rights, domain names and rights to goodwill and/or to sue for passing off. You are permitted to use this material and content only as expressly authorized by us, and for the purposes set forth in the Terms and Conditions only. We reserve the right to enforce any of our intellectual property rights in any of the content, including, without limitation, Information or Data, and/or the Services, directly against you.
13.3      You agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit, tamper with or create derivative works of such material and content.

13.4      Any Commercial use or exploitation of any material on our website is strictly forbidden

14   RELATIONSHIP AND THIRD- PARTY RIGHTS

14.1 Nothing in the Terms and Conditions shall create or be deemed to create a partnership, joint venture or principal-agent relationship between you and BetCorrect.

14.2 Unless expressly stated, nothing in the Terms and Conditions shall create or confer any rights or any other benefits whether pursuant to the statue or otherwise in favour of any person other than you and BetCorrect respectively.

15. LIABILITY & WARRANTY

15.1 BetCorrect does not warrant the constant availability and functionality of services and shall not be held liable by you for any damages, losses, costs, loss of profits or any other disadvantage you may incur in connection with any disconnection from or the non-availability of any of the services offered by us.

15.2 BetCorrect does not accept any liability for any damages, liabilities or losses which are deemed or alleged to have arisen out of or in connection with the Website or its content (including delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person's misuse of the Website or its content or any errors or omissions in content).

15.3 Bet Correct does not accept any liability for any damages, liabilities or losses which are deemed or alleged to have arisen out of or in connection with the Website or its content (including delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person's misuse of the Website or its content or any errors or omissions in content).

15.4 BetCorrect takes steps to ensure that the information on the Website is correct, However, BetCorrect does not warrant the accuracy or completeness of the information and material on the Website. The Website may contain typographical errors or other inaccuracies, or information that is out of date. BetCorrect is under no obligation to update such material. The information and material on the Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, BetCorrect provides you with the Website on the basis that BetCorrect excludes all representations, express or implied warranties, conditions and other terms which but for these terms and conditions might have effect in relation to the Website.

15.5      BetCorrect shall not be liable to you in contract, tort (including negligence), breach of statutory duty or in any other way (arising directly or indirectly) for: loss of business, loss of profits, loss of revenue, loss of data, loss of opportunity, loss of good will or reputation or any special, indirect or consequential loss, arising out of, or in relation to your use of the Website, the Services, any activity under the Account and these Terms and Conditions, even if such losses are foreseeable or if we have been notified by you of the possibility of such losses.

15.6      BetCorrect’s total aggregate liability to you under or in connection with these Terms and Conditions does not exceed:

(a) the value of the bets you placed via your account in respect of the relevant bet or product that gave rise to the relevant liability;

(b) the amount of applicable monies, where such monies have been misplaced by us.

15.7 Bet Correct shall not be liable for any loss or damage that you may suffer because of any act of God, power failure, trade or labour dispute, act, failure or omission of any governmental authority or the government, obstruction of any telecommunication services or networks, or any other act, omission, delay or failure caused by a third party or otherwise outside of our control.

16. ASSIGNMENT

You may not assign, transfer, charge or otherwise deal in your rights and/or obligations under the Terms and Conditions without our prior written consent. BetCorrect is entitled to assign, transfer, charge or otherwise deal in our rights under these Terms and Conditions as we see fit.

17. GOVERNING LAW & DISPUTE

17.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. You irrevocably agree that the courts of Nigeria shall have exclusive jurisdiction in the event of any dispute. However, we retain the right to bring legal proceedings in any jurisdiction where we believe that infringement of our intellectual property rights or breach of these Terms and Conditions is taking place or originating. You are responsible for compliance with any applicable laws and regulations of the jurisdiction from which you access the Website or use the Services.

17.2 Any bet or transaction placed by the Customer shall be governed by the applicable laws of the Federal Republic of Nigeria as amended from time to time. It shall be the responsibility of the Customer to ensure that he/she is aware of these provisions.

18. WAIVER

In no event will any delay, failure or omission (in whole or in part) in enforcing, exercising or pursuing any right, power, privilege, claim or remedy conferred by or arising under these Terms and Conditions or by law, be deemed to be or construed as a waiver of that or any other right, power, privilege, claim or remedy in respect of the circumstances in question, or operate so as to bar the enforcement of that, or any other right, power, privilege, claim or remedy, in any other instance at any time or times subsequently.

19. ENTIRE AGREEMENT

These Terms and Conditions and any document expressly referred to, represent the entire agreement between you and us and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing. We each acknowledge that neither of us has relied on any representation, undertaking or promise given by the other or implied from anything said or written in correspondence between us except as expressly stated in these Terms and Conditions.

20. SEVERABILITY

If any of the Terms and Conditions are determined by any competent authority to be invalid, unlawful, void or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining Terms and Conditions which will continue to be valid to the fullest extent permitted by law.