Your Relationship with Xamun

Xamun inc. has taken all efforts to design our website (www.xamun.com) and Xamun product to be useful, informative, helpful, robust and maintain that Xamun magic of experience on its every user. Hopefully we have accomplished that and would ask that you let us know if you’d like to see improvements or changes that would make it even easier for you to find the information you need and want.

WITH THIS MENTIONED YOUR ACQUISITION AND USE OF XAMUN'S PRODUCTS, SOFTWARE, SERVICES AND WEBSITES (“SERVICES”) IS GOVERNED BY THE TERMS AND CONDITIONS SET FORTH BELOW WHICH ARE LEGALLY BINDING ON YOU. IF YOU REGISTER FOR A FREE TRIAL, THIS AGREEMENT WILL ALSO GOVERN THAT FREE TRIAL.

TAKE A FEW MINUTES TO LOOK THEM OVER BECAUSE BY USING OUR SERVICES OR BY CLICKING A BOX INDICATING YOUR ACCEPTANCE OR BY EXECUTING A PURCHASE ORDER FORM REFERENCING TO THIS AGREEMENT, YOU AUTOMATICALLY AGREE TO THE TERMS OF THIS AGREEMENT. IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE THE AUTHORITY TO BIND SUCH ENTITY AND ITS AFFILIATES. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE AND/OR THE SERVICES OR ANY INFORMATION CONTAINED ON THIS SITE.

WE RESERVE THE RIGHT TO MAKE ANY MODIFICATIONS THAT WE DEEM NECESSARY AT ANY GIVEN TIME WITHOUT PRIOR NOTICE. WE WILL CONTINUE UPDATING OUR SITE AND PRODUCT AS WE MOVE FORWARD. YOU ARE RESPONSIBLE FOR REGULARLY REVIEWING THESE TERMS. YOUR CONTINUED USE OF THIS SITE AND/OR SERVICES SHOULD MEAN THAT YOU ACCEPT SUCH CHANGES IN THE TERMS.

Language of the Terms

These Terms shall be exclusively translated and interpreted in accordance with the English language with the meaning of its terms. Should a translation of these Terms deviate from the English language version, only the English language version shall take precedence.

Definitions

• "Terms". The terms and conditions specified in this legal document which serves as an agreement between you and Xamun Inc.

• "Services". The web services described and specified on the applicable Purchase Order or under a free trial and made available by Us on the Site and any updates or upgrades to such services which may be generally released by Xamun to all customers from time to time.

• "Purchased Services". These are services that You or Your Affiliates purchase under a Purchase Order Form, as distinguished from those provided pursuant to a free trial.

• "Users". These are individuals who are authorized by You to use the Services, for whom subscriptions to a Service have been ordered, and who have been supplied user identifications and passwords by You (or by Us at Your request). Users may include but are not limited to Your employees, consultants, contractors and agents, and third parties with which You transact business.

• "Site". This refers to www.xamun.com, the web site in which you can access all the Services we provide.

• "Confidential Information". You may obtain direct access via the Site to certain confidential information of Xamun and its suppliers, including without limitation technical, contractual, product, program, pricing, marketing and other valuable information that should reasonably be understood as confidential.

• "Content". All information (such as data files, written text, computer software, music, audio files or other sounds, photographs, videos or other images) which you may have access to as part of, or through your use of, the Services are the sole responsibility of the person from which such content originated.

• "We," "Us" or "Our". The Xamun.com company (Who You Are Contracting With, Notices, Governing Law and Jurisdiction).

• "You" or "Your". The company or other legal entity for which you are accepting these Terms and Agreement, and Affiliates of that company or entity.

• "Your Data". All electronic data or information submitted by You to the Purchased Services.

Free Trial

• We will make one or more Services available to You free of charge if you register for a free trial of our services until the earlier of (a) the end of the free trial period for which you registered or are registering to use the applicable Service or (b) the start date of any Purchased Services ordered by You. Any such additional terms and conditions are incorporated into this Agreement by reference and are legally binding. You agree to abide by these Terms during the trial period.

• ANY DATA YOU ENTER INTO THE SERVICES, DURING YOUR FREE TRIAL WILL BE PERMANENTLY DELETED THREE (3) MONTHS AFTER THE TRIAL PERIOD UNLESS YOU PURCHASE A SUBSCRIPTION WITHIN THAT PERIOD TO THE SAME SERVICES COVERED BY THE TRIAL. YOU MAY REQUEST A BACK UP OR COPY OF YOUR DATA DURING THE TRIAL PERIOD OR WITHIN THE THREE (3) MONTHS AFTER THE TRIAL PERIOD GIVEN THAT YOU NOTIFY US AT LEAST SEVEN (7) DAYS BEFORE THE TRIAL PERIOD EXPIRES OR BEFORE THE THREE (3) MONTHS PERIOD AFTER THE TRIAL.

Purchased Services

• Provision of Purchased Services. Xamun constantly innovate its services to provide the best user experience possible. You agree and acknowledge that the form and nature of the Services provided by Xamun, may change from time to time without prior notice to you. Some services provided by Xamun may also stop (permanently or temporarily) from providing the Services to you at Xamun’s sole’s discretion. You agree that Your purchases hereunder are neither contingent on the delivery of any future functionality or features nor dependent on any oral or written public comments made by Us regarding future functionality or features.

• You also acknowledge and agree that if Xamun disables the access to your account, you may be prevented from accessing the Services, your account details or any files or other content which is contained in your account.

• User Subscriptions. Unless otherwise specified in the applicable Purchase Order Form, (i) Services are purchased as User subscriptions and may be accessed by no more than the specified number of Users, (ii) additional User subscriptions may be added during the applicable subscription term at the same pricing as that for the pre- existing subscriptions thereunder, prorated for the remainder of the subscription term in effect at the time the additional User subscriptions are added, and (iii) the added User subscriptions shall terminate on the same date as the pre-existing subscriptions. User subscriptions are for designated Users only and cannot be shared or used by more than one User but may be reassigned to new Users replacing former Users who no longer require ongoing use of the Services.

Use of the Services

• For you to access certain Services, you may be required to provide some information about yourself such as name, email and contact details as part of the registration process for the Service. You agree that all information provided during registration to any Services will always be accurate, correct, legal and up to date.

• You agree to use the Services only for purposes that are permitted by (a) the Terms and (b) any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions (including any laws regarding the export of data or software to and from the United States or other relevant countries).

• You agree that you are solely responsible for (and that Xamun has no responsibility to you or to any third party for) any breach of your obligations under the Terms and for the consequences (including any loss or damage which Xamun may suffer) of any such breach.

• You agree to use commercially reasonable efforts to prevent unauthorized access to or use of the Services, and notify Us promptly of any such unauthorized access or use.

• You shall use the Services only in accordance with the User Guide and applicable laws and government regulations.

• You shall NOT use the Services to store or transmit infringing, libelous, or otherwise unlawful or tortious material, or to store or transmit material in violation of third-party privacy rights.

• You shall NOT attempt to gain unauthorized access to the Services or their related systems or networks.

Your Password and Account Security

• Prior to gaining access to certain Services on the Site, Xamun may require you to set up a user name and password ("Password(s)") as set forth in the account registration procedures posted on the Site. You agree and understand that you are solely responsible for all the activities that occur under your account and that of maintaining the confidentiality of passwords associated with any account that you use in any of our Services.

• If you become aware of any unauthorized access to your account, you agree to notify us immediately at team@xamun.com.

Restrictions

• All Online Materials on the Site, including, without limitation to, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property of Xamun Inc.

• All usage rights are owned and controlled by Xamun.com. You, the visitor, may download Online Materials for non-commercial, personal use only provided that you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent any content on the Xamun.com site. Any attempt to modify any Online Material, or to defeat or circumvent our security features is prohibited.

• Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by Xamun.com or our third-party licensors for your personal, non-commercial home use only. We do not transfer title of the software to you. This means, that we retain full and complete title to our software and to all of the associated intellectual-property rights. You're not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.

• The Customer agrees not to reverse engineer the Service, or access the Service in order to (i) build a competitive product or service; (ii) build a product using similar ideas, features, functions or graphics of the Service; or (iii) copy any ideas, features, functions or graphics of the Service. The Customer shall not copy, license, sell, transfer, make available, distribute, or assign this license or the Content to any third-party.

• The Customer shall not create Internet "links" to the Service or "frame" or "mirror" any Content contained on, or accessible from, the Service on any other server or Internet-based device. User licenses cannot be shared or used by more than one individual User but may be reassigned from time to time to new Users who are replacing former Users who have terminated employment with the Customer or otherwise changed job status or function and no longer require access to the Service.

• Violation of any of the foregoing restrictions or breach of these TERMS may lead to immediate suspension or termination of this Agreement and cancellation of your accounts or access to our Services; however, we may provide warning notices in its discretion.

Confidentiality

• OUR SERVICES CONTAIN TRADE SECRETS AND PROPRIETARY KNOW-HOW THAT BELONG TO US AND IT IS BEING MADE AVAILABLE TO YOU IN STRICT CONFIDENCE. ANY USE OR DISCLOSURE OF THE SOFTWARE, OR OF ITS ALGORITHMS, PROTOCOLS OR INTERFACES, OTHER THAN IN STRICT ACCORDANCE WITH THESE TERMS, MAY BE ACTIONABLE AS A VIOLATION OF OUR TRADE SECRET RIGHTS.

• We shall maintain appropriate administrative, physical and technical safeguards for the protection of the security, confidentiality and integrity of Your data. We shall not (a) modify Your Data, (b) disclose Your Data to any unauthorized entity or for any purpose outside the scope of these Terms; except as compelled by law or as expressly permitted in writing by You, or (c) access Your Data except to provide the Services and prevent or address service or technical problems, or at Your request in connection with customer support matters.

• The Terms impose no obligation upon You with respect to Confidential Information that You can establish by legally sufficient evidence: (a) You possessed prior to Your receipt from Xamun, without an obligation to maintain its confidentiality; (b) is or becomes generally known to the public through no act or omission by You, or otherwise without violation of the Terms; (c) You obtained from a third party who had the right to disclose it, without an obligation to keep such information confidential; (d) You independently developed without the use of Confidential Information and without the participation of individuals who have had access to it, or (e) in response to a valid order by a court or other governmental body, as otherwise required by law, or as necessary to establish the rights of either party under these Terms and as disclosed after prior notice to Xamun adequate to afford Xamun the opportunity to object to the disclosure.

Policy on Privacy

• Xamun is committed to protecting the privacy of our online visitors and licensed users. We collect information from online visitors and licensed users who ask to be on our newsletter mailing list and/or receive periodic email announcements. Anyone who wishes, can request and choose to be removed from our mailing list at any time.

• In addition, online visitors or licensed users who wish to purchase a subscription membership through our Web site must provide their name, email address, mailing address, billing address, phone number.

• All online visitor data collected by Xamun is protected against unauthorized access. We will not sell, trade, or give your personal information to other companies or organizations.

• By using this Site and the Services in it, You agree to the use of your data in accordance with Xamun's Privacy Policy.

Content in the Services

• You should be aware that Content presented to you as part of the Services, including but not limited to advertisements in the Services and sponsored Content within the Services may be protected by intellectual property rights which are owned by the sponsors or advertisers who provide that Content to Xamun (or by other persons or companies on their behalf). You may not modify, rent, lease, loan, sell, distribute or create derivative works based on this Content (either in whole or in part) unless you have been specifically told that you may do so by Xamun or by the owners of that Content, in a separate agreement.

• Xamun reserves the right (but shall have no obligation) to pre-screen, review, flag, filter, modify, refuse or remove any or all Content from any Service. In addition, there are commercially available services and software to limit access to material that you may find objectionable.

• You understand that by using the Services you may be exposed to Content that you may find offensive, indecent or objectionable and that, in this respect, you use the Services at your own risk.

• You agree that you are solely responsible for (and that Xamun has no responsibility to you or to any third party for) any Content that you create, transmit or display while using the Services and for the consequences of your actions (including any loss or damage which Xamun may suffer) by doing so.

Proprietary Rights

• Reservation of Rights in Services. Subject to the limited rights expressly granted hereunder, We reserve all rights, title and interest in and to the Services, including all related intellectual property rights. No rights are granted to You hereunder other than as expressly set forth herein.

• Your Applications and Code. If You, a third party acting on Your behalf, or a User creates applications or program code using the Services, You authorize Us to host, copy, transmit, display and adapt such applications and program code, solely as necessary for Us to provide the Services in accordance with these Terms. Subject to the above, We acquire no right, title or interest from You or Your licensors under these Terms in or to such applications or program code, including any intellectual property rights therein.

License from Xamun

• Xamun gives you a personal, worldwide, royalty-free, non-assignable and non- exclusive license to use the software provided to you by Xamun as part of the Services as provided to you by Xamun (referred to as the "Services" below). This license is for the sole purpose of enabling you to use and enjoy the benefit of the Services as provided by Xamun, in the manner permitted by the Terms.

• You may not (and you may not permit anyone else to) copy, modify, create a derivative work of, reverse engineer, decompile or otherwise attempt to extract the source code of the Services or any part thereof, unless this is expressly permitted or required by law, or unless you have been specifically told that you may do so by Xamun, in writing.

• Unless Xamun has given you specific written permission to do so, you may not assign (or grant a sub-license of) your rights to use the Services, grant a security interest in or over your rights to use the Services, or otherwise transfer any part of your rights to use the Services.

Third Party Interaction

• Links to Other Web Sites. Links to third party web sites on this Site are provided solely as a convenience to you. If you use these links, you will leave this Site. We have not reviewed all of these third party sites and do not control and are not responsible for any of these sites or their content. We do not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third party sites linked to this Site, you do this entirely at your own risk.

• Third-Party Download. In the use of Our Service, you may have to download and install third-party applications and their updates from time to time. These applications and updates should be installed to improve, enhance and further develop the Services. You agree to receive such updates (and permit Us to deliver these to you through Xamun.com) as part of your use of the Services.

Customer Responsibilities

• Use of Services. IN NO EVENT WILL EPICOR AND/OR ITS RESPECTIVE SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR OTHER DAMAGES WHATSOEVER WITH RESPECT TO THE SERVICES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL OR BUSINESS INTERRUPTION) EVEN IF XAMUN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

• User Submissions. With the possible exception of in connection with password protected and/or secure/restricted areas of this Site, Xamun does not want to receive confidential or proprietary information from you on this Site. Other than personally identifiable information (which is covered under the Privacy Policy), any material, information or other communications that you transmit or post to the Site or any form of “User Communications” (such as blogs, forum, community, social media accounts maintained by Xamun) will be considered non-confidential and non-proprietary. Xamun will have no obligations with respect to such User Communications. Xamun and its designees will be free to copy, disclose, display, distribute, modify, incorporate, and otherwise use the User Communications and all data, images, sounds, text, and other things embodied therein, without any obligation to any party whatsoever, for any and all commercial or non-commercial purposes. Moreover, by sending Xamun any such User Communications, you also agree that Xamun is free to use any ideas, concepts, know- how, or techniques for any purpose and in any manner in its sole discretion.

Limitation of Liabilities

• YOU UNDERSTAND AND AGREE THAT XAMUN, ITS SUBSIDIARIES AND AFFILIATES, AND ITS LICENSORS SHALL HAVE NO LIABILITY WITH RESPECT TO ITS OBLIGATIONS UNDER THIS CONTRACT OR OTHERWISE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU EVEN IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY.. THIS SHALL INCLUDE, BUT NOT BE LIMITED TO, ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA SUFFERED, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR OTHER INTANGIBLE LOSS.

• IN ANY EVENT, THE LIABILITY OF XAMUN IS SHALL BE LIMITED TO THE AMOUNT PAID TO IT UNDER THESE TERMS. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION IN THE AGGREGATE INCLUDING WITHOUT LIMITATION TO BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS AND OTHER TORTS.

• Neither party shall be liable for any loss or failure to perform any of its obligations under this contract in the event and to the extent that such noncompliance or non-performance is due to force majeure, including without limitation, the results of war, riot, strike, lockout, power disruption, typhoon, earthquake, or any other calamity or incident similar in nature and beyond the control of that party.

Liability Disclaimer

NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT XAMUN’S WARRANTY OR LIABILITY FOR LOSSES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THE LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

• YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THAT THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."

• IN PARTICULAR, XAMUN, ITS SUBSIDIARIES AND AFFILIATES, AND ITS LICENSORS DO NOT REPRESENT OR WARRANT TO YOU THAT:

(A) YOUR USE OF THE SERVICES WILL MEET YOUR REQUIREMENTS,
(B) YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR FREE FROM ERROR,
(C) ANY INFORMATION OBTAINED BY YOU AS A RESULT OF YOUR USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, AND
(D) THAT DEFECTS IN THE OPERATION OR FUNCTIONALITY OF ANY SOFTWARE PROVIDED TO YOU AS PART OF THE SERVICES WILL BE CORRECTED.

• ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

• NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM XAMUN OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.

• XAMUN FURTHER EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON- INFRINGEMENT.

Copyright and Trade Mark Policy

• It is Xamun's policy to respond to notices of alleged copyright infringement that comply with applicable international intellectual property law.

• Unless otherwise indicated as belonging to a third party, all marks associated with products or services on this Site are the property of Xamun or its affiliates or subsidiaries. These marks may not be used or reproduced in whole or in part in any way without the express permission of Xamun.

Mutual Indemnification

• Indemnification by Us. We shall defend You against any claim, demand, suit, or proceeding made or brought against You by a third party alleging that the use of the Services as permitted hereunder infringes or misappropriates the intellectual property rights of a third party (a "Claim Against You"), and shall indemnify You for any damages, attorney fees and costs finally awarded against You as a result of, and for amounts paid by You under a court-approved settlement of, a Claim Against You; provided that You (a) promptly give Us written notice of the Claim Against You; (b) give Us sole control of the defense and settlement of the Claim Against You (provided that We may not settle any Claim Against You unless the settlement unconditionally releases You of all liability); and (c) provide to Us all reasonable assistance, at Our expense. In the event of a Claim Against You, or if We reasonably believe the Services may infringe or misappropriate, We may in Our discretion and at no cost to You (i) modify the Services so that they no longer infringe or misappropriate, without breaching Our warranties under "Our Warranties" above, (ii) obtain a license for Your continued use of the Services in accordance with this Agreement, or (iii) terminate Your User subscriptions for such Services upon 30 days' written notice and refund to You any prepaid fees covering the remainder of the term of such User subscriptions after the effective date of termination.

• Indemnification by You. You shall defend Us against any claim, demand, suit or proceeding made or brought against Us by a third party alleging that Your Data, or Your use of the Services in breach of this Agreement, infringes or misappropriates the intellectual property rights of a third party or violates applicable law (a "Claim Against Us"), and shall indemnify Us for any damages, attorney fees and costs finally awarded against Us as a result of, or for any amounts paid by Us under a court-approved settlement of, a Claim Against Us; provided that We (a) promptly give You written notice of the Claim Against Us; (b) give You sole control of the defense and settlement of the Claim Against Us (provided that You may not settle any Claim Against Us unless the settlement unconditionally releases Us of all liability); and (c) provide to You all reasonable assistance, at Your expense.

• Exclusive Remedy. This Section (Mutual Indemnification) states the indemnifying party’s sole liability to, and the indemnified party’s exclusive remedy against, the other party for any type of claim described in this Section.

Jurisdiction and Venue

• This site is created and controlled by Xamun Inc. Thus, to the maximum extent permitted by applicable law, these are governed by the laws of the United States and the Philippines, without giving effect to any principles of conflicts of law.

• You hereby expressly consent, and waive any jurisdictional, venue or inconvenient forum objections, to the exclusive jurisdiction and venue of the State and Federal courts in Singapore in all disputes arising out of or relating to the use of the Site.

• You also agree to comply with all laws from the country in which You reside that are applicable to the transmission of data on the Internet, including, but, not limited to laws governing the use of encryption and laws governing the transmission of data across international boundaries, into prohibited countries, and containing personally identifiable information

Changes of the Terms

• Xamun may update these terms at any time without notice by updating this posting. You should visit this page from time to time to review the then-current terms because they are binding on you.

• You understand and agree that if you use the Services after the date on which the Universal Terms or Additional Terms have changed, Xamun will treat your use as acceptance of the updated Universal.

Terms and Termination

• The Terms will continue to apply until terminated by either you or Xamun as set out below.

• If you want to terminate your legal agreement with Xamun, you may do so by (a) notifying Xamun at any time and (b) closing your accounts for all of the Services which you use, where Xamun has made this option available to you. Your notice should be sent, in writing, to Xamun’s address which is set out at the beginning of these Terms.

• Xamun may at any time, terminate its legal agreement with you if: (A) you have breached any provision of the Terms (or have acted in manner which clearly shows that you do not intend to, or are unable to comply with the provisions of the Terms); or (B) Xamun is required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or (C) the partner with whom Xamun offered the Services to you has terminated its relationship with Xamun or ceased to offer the Services to you; or (D) Xamun is transitioning to no longer providing the Services to users in the country in which you are resident or from which you use the service; or (E) the provision of the Services to you by Xamun is, in Xamun's opinion, no longer commercially viable.

• When these Terms come to an end, all of the legal rights, obligations and liabilities that you and Xamun have benefited from, been subject to (or which have accrued over time whilst the Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected by this cessation.