1. introduction

1.1. Arabiano – “Arabiano” is the trading name of the Arab Group of Companies for Information Technology. The Company operates an e-commerce platform consisting of a website and a mobile application (“Store”) together with their support of IT, logistics and payment infrastructure, to sell and buy consumer products and services (“Products”) in the designated area.
1.2. These General Terms and Conditions apply to sellers and buyers on the Arabiano website and these General Terms and Conditions govern your use of the Arabiano website and any related services.
1.3. When using the Arabiano website, you acknowledge that you accept these General Terms and Conditions in full and in the event that you do not agree to the General Terms and Conditions or part of them, you must not use the Arabiano store. 1.3. In the event that you use the Arabiano store while carrying out other business or organizational projects, you acknowledge the following:

• 4.1. You have obtained the necessary authority to agree to these General Terms and Conditions;
• 4.2. You warrant that you and the natural or legal person or any other legal entity that manages your business or organizational project are bound by the general terms and conditions contained in this contract; and
• 4.3. You agree that the pronoun “you” in these General Terms and Conditions refers to the single user and the relevant person, company or legal entity unless otherwise required.
• 4.4. The customer is not entitled to create more than one account on the site, and when adding more than one account, the company has the right to block the additional accounts.

2. Registration and Account

• 1 If you register to open an account on the Arabiano store, you will be asked for an email address/username and password and you agree to the following:
• 2.1. Keep your password confidential;
• 2.2. Notify Arbiano immediately (through the communication methods shown) in the event that your password is disclosed;
• 2.3. You acknowledge that you are responsible for any activity on the Arabiano Store resulting from your failure to maintain the confidentiality of your password, and that you may be held liable for any losses arising as a result of such failure.

2.3. You are committed to using the account alone and may not transfer that account to any third party and you shall be responsible in the event that you delegate the management of your account to any third party.
2.4. Arabiano has the right, at its absolute discretion and without prior notice or giving reasons, to suspend or cancel your account, and/or modify the account information, with Arabiano committing to refund the value of any products or services that you purchased on the store as long as you do not violate these general terms and conditions. See Section 4.2 below for more information on refunds.
2.5. You can cancel your account on the Arabiano store by contacting us as indicated in Clause No. 26.

3. Terms and Conditions of Sale

3.1. You acknowledge and agree to the following:

• 1.1. That the Arabiano Store is a website for sellers to sell their products and for buyers to purchase these products;
• 1.2. Arbiano will accept binding sales on behalf of the Seller, but (unless Arbiano is the selling party) Arbiano shall in no event be considered a party to the transaction between the Seller and the Buyer; and
• 1.3. A contract for the sale and purchase of the product or products is concluded between the seller and the buyer. Therefore, you are obligated to purchase or sell the product or products when the buyer confirms the purchase process through the Arabiano website.

3.2. The sale and purchase contract between the buyer and the seller is subject to the seller’s business terms in accordance with these general terms and conditions. However, the following texts are added to the sale and purchase contract between the buyer and the seller:

• 2.1. Sell at the same price as the product listed in the product listing;
• 2.2. The price of the product includes all types of taxes, taking into account all laws in force and in effect in the region from time to time;
• 2.3. Delivery, packaging, transportation, administrative fees, insurance costs, and other additional costs and fees shall be paid by the Buyer only if such fees and costs are clearly stated on the product listing;
• 2.4. The Products must be of satisfactory quality to the Buyer, fit and safe for any purpose specified in the Product Description listed and must match all physical specifications as per the Product Description listed by the Buyer on the Arbiano Website; and
• 2.5. The Seller warrants, with respect to the Transferred Products, that it has the right to sell the Products, that it is the sole legal and beneficial owner of the Products, and/or has the right to supply the Products in accordance with this Agreement and that the Products are not subject to any third party rights or restrictions including third party intellectual property rights and/or criminal proceedings, insolvency, investigations or tax proceedings; and the Seller warrants, with respect to the Digital Products, that it has the right to supply such Digital Products to the Buyer.
• 2.6. The Seller warrants that if such terms are present in the Product sold, the Seller will provide a detailed disclosure of the terms and conditions of the Product, any applicable warranty and any other terms necessary to inform the Buyer of the Product and its use in the Specifications section provided on each Product page.

4. Return and Refund

4.1. Returns of Products by Buyers and acceptance of returned Products by Sellers are managed by Arbiano in accordance with the Returns page on the Arbiano website, as may be amended from time to time. Acceptance of returned Products is at Arbiano’s sole discretion and is subject to applicable laws in the Territory.
4.2. Refunds for returned Products are managed in accordance with the Refunds page on the Arbiano website, as may be amended from time to time and Arbiano’s rules on refunds apply at Arbiano’s discretion, subject to applicable laws in the Territory. Arbiano may offer refunds for returned Products at its discretion, subject to the following:

• 2.1. Product Price;
• 2.2. Domestic and/or international shipping fees (as shown on the refund page);
• 2.3. The value of the product is refunded by depositing a balance in the account on the Arbiano website, or in the electronic wallet, or through purchase vouchers, or a transfer via phone, or a bank transfer, or any other method that we may determine from time to time.
• 2.4. In case the money transfer is rejected by the post office/bank, the relevant department will contact you to request new refund information. In case you do not respond, a message will be sent to you via the email registered with us and we will wait for your response with the correct information, and try again later. In case 10 working days pass without any response, the money will be automatically transferred to a purchase voucher and you will not be able to transfer the value of this voucher via the bank or post office.

4.3. Returned products will be accepted and refunded by Arbiano on behalf of the Seller.
4.4. Amendments made to the Returns page or Refunds page will be effective for all purchases from the date of posting of the amendment on the Arbiano website.

5. Payments

5.1. Payments due under these General Terms and Conditions shall be made in accordance with the payment information and instructions on the Arbiano Store.

6. Store Credit

6.1. Store Credits may be earned and managed in accordance with the Arbiano Store Credit Terms and Conditions, which may be amended from time to time. Arbiano reserves the right to cancel or withdraw Arbiano Store Credit Rewards for any reason at its sole discretion, including if we suspect fraud or manipulation. You can view the Terms and Conditions and any information about Arbiano Store Credit on our website and mobile application.

7. Offers

7.1. Offers and competitions run by Arabiano and/or other promoters are managed in accordance with the terms and conditions of the offers and you can view the terms and conditions of the applicable offers on our website or mobile application.
7.2. The number of pieces available for each product to the buyer is determined by the shopping cart in order to ensure that the largest possible number of users will benefit from the offer and accordingly in the event of repeating the order twice your order may be subject to cancellation.

8. Your Content Rules

8.1. In these General Terms and Conditions, “Your Content” means:

• 1.1. All works and materials (including but not limited to written texts, graphics, images, audio and video content, audio-visual materials, manuscripts, software and files) that the Seller sends to Arabiano for storage, publication, processing or subsequent transmission;
• 1.2. All communications on the Arabiano website, including product reviews, ratings and comments.

8.2. Your Content and Arbiano’s use of such Content must be accurate, complete and truthful in accordance with these General Terms and Conditions.
8.3. Your Content must be decent, civil and tasteful and conform to generally accepted standards of etiquette and conduct on the Internet, and must not:

• 3.1. is offensive, indecent, indecent, pornographic, vulgar, suggestive or sexually explicit; or
• 3.2. Images that depict violence in an explicit, graphic or gratuitous manner; or
• 3.3. Advocates violations of laws relating to racism, religion, hatred or discrimination;
• 3.4. is deceptive, fraudulent, threatening, harassing, anti-social, hateful, discriminatory or otherwise inflammatory;
• 3.5. any content that is likely to cause annoyance, inconvenience or needless anxiety to any person; or
• 3.8. Random and unwanted.

8.4. Your Content must not be illegal or unlawful, violate any person’s legal rights, or give rise to any legal action against any person (in any case, in any jurisdiction and under any applicable law) and Your Content must not be in breach of or in violation of:

• 4.1. Any copyright, moral rights, database rights, trademark rights, design rights, rights to use intellectual property or any other intellectual property rights.
• 4.2. any rights of confidence, privacy or rights under data protection laws;
• 4.3. any contractual obligation owed to any person; or
• 4.4. Any judgment issued under any judicial ruling.

8.5. You agree not to use the Site to link to any website or web page that contains or provides content that would violate the General Terms and Conditions if posted on the Arabiano Site.
8.6. You agree not to display any content on the Arabiano Site that is or has been the subject of any legal proceedings or any other similar complaint from any third party.
8.7. The rating feature on the Arabiano Site is used to facilitate the evaluation of products by the buyer and you may not use the rating feature or any other form of communication to provide inaccurate, false or fictitious ratings.
8.8. You agree not to interfere in any type of transaction by: (i) contacting another user to buy or sell a product listed on the Arabiano Store outside the Arabiano Site; or (ii) contacting a user with active or completed transactions to warn him or her about a particular buyer, seller or product; or (iii) contacting another user with the intent to collect any payment.
8.9. You acknowledge that all users of the Arabiano Store are solely responsible for their interactions with other users and you must exercise caution when communicating with users and not send personal information including credit card details to users.
8.10. Arabiano has the right to review your content periodically and has the right to remove any content at its discretion for any reason.
8.11. You shall immediately notify Arabiano if you discover any illegal content or activity on the Arabiano website or any content or activity that violates these general terms and conditions, by contacting Arabiano in accordance with Section 23 of the general terms and conditions.

9. Our rights to use your content

9.1. You grant to Arabiano a non-exclusive, irrevocable, royalty-free, worldwide license to use, reproduce, copy, publish, translate and distribute Your Content through Arabiano’s marketing channels and any existing or future media.
9.2. You grant to Arabiano the right to sublicense the rights licensed under Section 9.1 to third parties.
9.3. You grant to Arabiano the right to bring an action for infringement of the rights licensed under Section 9.1.
9.4. You hereby waive all of your moral rights in Your Content to the fullest extent permitted by applicable law; and you represent and warrant that all other moral rights in Your Content have been waived to the fullest extent permitted by applicable law.
9.5. If you violate the Content Rules in any way, or if Arabiano reasonably suspects that you have violated the Content Rules, Arabiano may delete, unpublish or edit any or all of the Seller Content without prejudice to Arabiano’s other rights under these General Terms and Conditions.

10. Use of the Site and Mobile Applications

10.1. In Section 10, the word “Store” and “Site” will be used interchangeably to refer to the Arbiano website and mobile applications.
10.2. You may:

• 2.1. View pages from the Arbiano Website on a browser;
• 2.2. Download pages from the Arbiano Website for temporary storage;
• 2.3. Print pages from the Arabiano website for personal, non-commercial use, provided that such printing is not periodic or excessive;
• 2.4. Download audio and video files from the Arbiano website using the video and audio content player; and
• 2.5. Use of our store services via browser,
• Subject to the other provisions of these General Terms and Conditions.

10.3. Except as expressly permitted in Section 10.2 or other provisions of these General Terms and Conditions, you agree not to download any content from the Arabiano website or save any such content on your computer.
10.4. You may only use the Arabiano website for your personal and commercial purposes in connection with the sale or purchase of products on the Arabiano website.
10.5. You agree not to modify or alter any content on the Arabiano website, except as expressly permitted in these General Terms and Conditions.
10.6. If you do not own or control any rights to any content on the Arabiano website, you agree not to:

• 6.1. Republish content on the Arabiano website (including republishing on another website);
• 6.2. Sell, rent or license content from the Arbiano website;
• 6.3. Display any content from the Arabiano Website in public;
• 6.4. exploit the Content for commercial purposes; or
• 6.5. Redistribution of Content.

10.7. Notwithstanding the provisions of Section 10.6, you may redirect links to products and redistribute the Arabiano newsletter and Arabiano promotional content in print or electronic form to any person.
10.8. Arabiano may suspend or restrict access to the Arabiano website in whole or in part and/or the use of any feature on the Arabiano website. For example, Arabiano may suspend access to the website during server maintenance or updates to the Arabiano website. You agree not to circumvent or bypass any procedures to access the Arabiano website.
10.9. You agree not to do the following:

• 9.1. Use the Arabiano Site in any way or take any action that may or may cause damage to the Site or impair the Site’s performance, availability, accessibility, integrity, or security;
• 9.2. use the Arabiano Website in any unethical, illegal, unlawful, fraudulent or harmful manner or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
• 9.3. Hacking or tampering with the Arbiano Site;
• 9.4. investigate, examine or test the Site without permission from Arbiano;
• 9.5. circumvent any authentication or security systems or procedures on or relating to our Site;
• 9.6. use the Arbiano Site to copy, store, host, transmit, send, use, publish or distribute any Content which consists of (or is related to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;
• 9.7. impose an unreasonably large load on the resources of the Arbiano Site (including bandwidth, storage capacity and processing capacity);
• 9.8. decrypt any communications sent by or to our Site without the permission of Arbiano;
• 9.9. conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data gathering) on or in relation to our Site without our express written consent;
• 9.10. access or interact with the Arabiano Website by using any robot, spider or other automated means, except for the purpose of search engine indexing;
• 9.11. use our website except through our public interface;
• 9.12. Violating the instructions contained in the robots.txt file on the Arbiano website;
• 9.13. Use data collected from the Arbiano Website for any direct marketing activity (including, without limitation, email marketing, SMS marketing, telemarketing and direct mail); or
• 9.14. Do anything that interferes with the normal use of the Arbiano Site.

11. Copyright and Trademarks

11.1. Subject to the express provisions of these General Terms and Conditions:

• 1.1. Arabiano, together with its licensors, owns all copyright and other intellectual property rights in the Arabiano Site and all content on the Site; and
• 1.2. All copyright and other intellectual property rights in the Arabiano website and the contents on the website are reserved.

11.2. All other registered and unregistered Arabiano logos and trademarks are trademarks owned solely by Arabiano; Arabiano does not authorize the use of these trademarks, and their use is an infringement of Arabiano’s rights.
11.3. Third party trademarks, whether registered or unregistered, on the Arabiano website are the property of their respective owners and Arabiano does not warrant or have any affiliation with the parties who own the trademarks and therefore Arabiano may not grant any licenses to these trademarks.

12. Data privacy and confidentiality

12.1. Sellers agree to process their personal data in accordance with Arbiano’s Privacy and Cookie Notice.
12.2. Arbiano processes all personal data obtained through the Arbiano Store and related services in accordance with the Privacy and Cookie Notice and Privacy Policy. 12.3
. Sellers are directly liable to Buyers for any misuse of Buyers’ personal data and Arbiano will not be liable to Buyers for any misuse of Buyers’ personal data.

13. Due Diligence and Review Rights

13.1. Arbiano operates an anti-money laundering program and reserves the right to conduct due diligence checks on all users of the Arbiano Store.
13.2. You undertake to provide all information and documents related to your business activity in addition to the possibility of entering your business premises upon our request and for the following reasons:

• 2.1. In order to verify your compliance with the terms and conditions of this Agreement and to perform your obligations under it;
• 2.2. for the purpose of providing disclosures pursuant to an order issued by a court or other governmental body; or
• 2.3. As required by applicable law or regulations.

14. The role of Arabiano as an online store

14.1. You acknowledge that:

• 1.1. Arbiano facilitates a store for buyers and third party sellers or Arbiano, where Arbiano is the seller of the product;
• 1.2. The relevant Seller of the Product (whether Arbiano is the Seller or a third party Seller) shall at all times remain solely responsible for the Products sold through the Store; and
• 1.3. In the event of a problem resulting from purchasing a product from the store, the buyer must resort to the seller of the product by following the procedures stipulated in the Arbiano Dispute Resolution Policy.
• 1.4. In the event that the customer places an order with more than one piece of the same product or more than one order for the same piece, this will be considered a commercial order and all orders will be cancelled and only one product will be kept even if the order is confirmed.

14.2. We undertake to ensure that Arabiano or any third party seller, as applicable, provides complete, accurate and up-to-date information relating to their products on the Store and accordingly:

• 2.1. The relevant Seller guarantees and represents the completeness and accuracy of the information relating to its products and published on our Store;
• 2.2. The applicable Seller warrants and represents that the materials on the Store are up to date; and
• 2.3. If the Buyer has a complaint regarding the accuracy or completeness of the Product information received from the Seller (including when Arbiano is the Seller), the Buyer may resort to the relevant Seller by following the procedure set out in the Arbiano Dispute Resolution Policy.

14.3. We do not warrant or represent that the Store will operate without error; or that the Store or any Store Service will remain available during events beyond Arbiano’s control (Force Majeure Events) including but not limited to floods, droughts, earthquakes or other natural disasters; hacking, viruses, malware or other malicious software attacks on the Store; terrorist attacks, civil war, civil unrest or riots; war or threat or preparation for war; epidemics; or unconstitutional events or circumstances that materially and adversely affect the overall political or economic stability of the territory.
14.4. We reserve the right to discontinue or change some or all of our Store Services, and to cease publishing our Store, at any time in our sole discretion without notice or explanation; and you will not be entitled to any compensation or other payments upon discontinuing or changing any of the Store Services, or if we cease publishing the Store, without prejudice to your rights in respect of any unfulfilled orders or other obligations on Arbiano.
14.5. If we discontinue or change any or all of our Store in circumstances other than Force Majeure, we will provide buyers and sellers with at least fifteen (15) days’ advance notice with clear instructions on how to proceed with pending transactions or any other obligations on Arbiano.
14.6. We do not guarantee any commercial results relating to the use of the Store.
14.7. We exclude all representations and warranties relating to the subject matter of these General Terms and Conditions, our Store and the use of our Store to the fullest extent permitted by applicable law and in accordance with clause 15.1 below.

15. Limitation and exclusion of liability

15.1. Nothing in the General Terms and Conditions shall:

• 1.1. limit any liabilities in any manner contrary to what is provided for by applicable law; or
• 1.2. excludes any statutory obligations or rights that may not be excluded by law,

15.2. Limitation and exclusion of liability set out in clause 15 and other provisions of these general terms and conditions:

• 2.1. Subject to Clause 15.1 of the General Terms and Conditions;
• 2.2. All obligations arising under these General Terms and Conditions or relating to the subject matter of these General Terms and Conditions, including civil liability arising from fault (including negligence) and breach of obligations arising from law, shall govern, except as expressly provided in these General Terms and Conditions.

15.3. Arbiano shall not be liable to you for any loss or damage of any kind arising out of the Services provided free of charge,
15.4. Arbiano’s total liability to you in respect of any contract for the provision of Services to you under these General Terms and Conditions shall not exceed the total amount paid or payable to Arbiano under that contract and each separate transaction on the Arbiano Store shall be a separate contract for the purposes of this Section 15.4.
15.5. Without prejudice to Section 15.4, Arbiano shall not be liable to you for any loss or damage of any kind, including in respect of:

• 5.1. any losses arising from any interruption or malfunction of the Site;
• 5.2. any losses arising from any event or events beyond Arbiano’s reasonable control;
• 5.3. any business losses, including, without limitation, loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill;
• 5.4. any loss or corruption of any data, database or software; or
• 5.5. Any special, indirect or consequential loss or damage.

15.6. Please note that order details cannot be modified after ordering, so please check that the information provided in your order such as phone number, name and address is correct. Arbiano is not responsible for any cancellations that may occur as a result of errors in delivery details
15.7. It is in Arbiano’s best interest to limit the personal liability of its officers and employees, and in consideration of this interest you acknowledge that Arbiano is a limited liability entity; and you agree and undertake that you will not bring any personal action against Arbiano’s officers or employees in respect of any losses you incur in connection with the Arbiano Store or these General Terms and Conditions (this will not limit or exclude the liability of the limited liability entity for the acts or omissions of Arbiano’s officers and employees).
15.8. Arbiano’s website contains hyperlinks to other websites owned and operated by third parties; these links are not recommendations and we have no control over third party websites and their contents, and we accept no responsibility for them or for any loss or damage that may arise from your use of them.

16. Compensation

16.1. You hereby undertake to indemnify Arbiano for:

• 1.1. Any and all losses, damages, costs, liabilities and expenses (including without limitation; legal expenses and any amounts incurred by Arbiano to any third party in settlement of a claim or dispute) incurred by Arbiano that arise directly or indirectly from your use of the Arbiano Store or any breach by you of any provision of these General Terms and Conditions or Arbiano’s provisions, policies or guidelines; and
• 1.2. Any liability for VAT or any other tax liability that Arbiano may incur in connection with any sale, supply or purchase made through the Arbiano Store, arising out of your failure to pay, withhold, declare or register to pay VAT or any other tax due in any jurisdiction.

17. Breach of General Terms and Conditions

17.1. If Arbiano allows you to register an account on the Arbiano Store, it will remain indefinitely, subject to these General Terms and Conditions.
17.2. If you breach any of the obligations contained in these General Terms and Conditions, or if Arbiano suspects that you have breached the General Terms and Conditions or any of Arbiano’s provisions, policies or guidelines in any way, Arbiano has the right to do the following:

• 2.1. temporarily suspend your access to the Arbiano Store;
• 2.2. Permanently block you from accessing the Arbiano Store;
• 2.3. Block computers using your IP from accessing the Arbiano Store;
• 2.4. Contact any or all of your Internet Service Providers and request that they block your access to the Arbiano Store;
• 2.5. Suspend or delete your account on the Arabiano website; and/or
• 2.6. Commence legal action against you, whether for breach of contract or otherwise.

17.3. You agree not to take any action to circumvent the suspension, blocking or deactivation of your access to the Arabiano Store (including without limitation creating and/or using a different account) in the event that Arabiano suspends, blocks or deactivates your access to the Arabiano Store in whole or in part.

18. The entire contract

18.1. These General Terms and Conditions and the Arbiano Terms, Policies and Guidelines (and in relation to the Seller the Seller Terms and Conditions are in addition) constitute the entire agreement between you and Arbiano in relation to your use of the Arbiano Store and will supersede all prior agreements between you and Arbiano.

19. Terms and Conditions Sequence

19.1. In the event of a conflict between these General Terms and Conditions and the Seller’s Terms and Conditions, and the Arbiano Terms, Policies and Guidelines, these General Terms and Conditions, the Seller’s Terms and Conditions, and the Arbiano Terms, Policies and Guidelines shall apply in the order stated in this section.

20. Review and Edit

20.1. Arabiano reserves the right to revise these General Terms and Conditions, the Seller Terms and Conditions, and Arabiano’s Terms, Policies and Guidelines from time to time.
The revised General Terms and Conditions apply from the date of publication on the Arabiano Store.

21. No waiver

21.1. No waiver of any breach of any provision of these General Terms and Conditions shall be construed as an implied or continuing waiver of any other breach of these General Terms and Conditions or any breach of any other provision of these General Terms and Conditions.

22. Possibility of separation

22.1. If any provision of these General Terms and Conditions is determined by any court or other competent authority to be illegal and/or unenforceable, the other provisions will remain in effect.
22.2. If any provision of these General Terms and Conditions is illegal and/or unenforceable and would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted and the rest of the provision will continue in effect.

23. to delegate

23.1. You hereby agree that Arabiano may assign, transfer, subcontract or otherwise dispose of its rights and/or obligations under these General Terms and Conditions.
23.2. You may not, without the written consent of Arabiano, assign, transfer, subcontract or otherwise dispose of any of your rights and/or obligations under these General Terms and Conditions.

24. Third Party Rights

24.1. The contract under these General Terms and Conditions is for our benefit and your benefit and is not intended to benefit or be enforceable by any third party.
24.2. The exercise of the parties’ rights arising from a contract entered into under these General Terms and Conditions is not subject to the consent of any third party.

25. Law and Jurisdiction

25.1. These General Terms and Conditions shall be governed by and construed in accordance with the laws of the Territory.
25.2. Any disputes relating to these General Terms and Conditions shall be subject to the jurisdiction of the courts of the Territory.

26. Marketing vouchers

26.1. The Company has the right to cancel any orders placed by any customer who violates the fair use policy by using more than one purchase voucher from more than one account at the same time.

26.2. Some J-force customers are eligible for automatic discounts specific to their program and therefore are not entitled to use any promotional coupons or Wheel of Fortune coupons and any J-force order will be cancelled in the event of a violation of this condition.

27. Arbiano Company Data and Notifications

27.1. You may contact us using the contact details listed in Appendix .
27.2. You may contact our sellers for post-sales enquiries, including any disputes, by requesting their contact details from Arbiano in accordance with Arbiano’s Dispute Resolution Policy, under which Arbiano undertakes to ensure that the seller is clearly identifiable.
27.3. You agree to receive notices electronically from Arbiano and we may provide all communications and information relating to your use of the Store in electronic form, either by posting on our Website or App, or by email to the email address set out in your account and all such communications will be deemed to be notices in writing and will be properly received and delivered by you.