PayRedeem Account: Terms & Conditions

Last update: September 22, 2023

1. GENERAL

1.1 The account (hereinafter, "Account") is set up and managed by Global Primex Limited (hereinafter, "Global Primex"), with its main office located at Level 10, Maeva Tower, Silicon Avenue, Cybercity, Ebène, Republic of Mauritius. Global Primex can be contacted via e-mail at [email protected] or via phone at (+44)1628200487 (UK) or (912)800-0083 (US), or any other contact number included on the website. Global Primex renders its services on the basis of a Payment Intermediary Services License number C116016613 issued by the Financial Services Commission of Mauritius (hereinafter, the "FSC") and it thus subject to the supervision of the FSC.

1.2 The opening, using, and closing of the Account and the matters relating to the use of PayRedeem eCard, are subject to these Terms and Conditions, which shall constitute the contract between Global Primex and the customer (hereinafter, the "Agreement"). The language of the document shall be English.

1.3 The customer should read these Terms and Conditions carefully as they contain important information about the customer's rights and duties relating to his/her Account. Furthermore, the customer is obliged to use his/her Account in accordance with these Terms and Conditions. The PayRedeem eCard purchased through the Account exclusively belongs to the person (you, the customer) who opened the account. The customer is not entitled neither to transfer the Account nor to transfer the PayRedeem eCard to a third party.

1.4 The purpose of the Account is to purchase eCards (hereinafter, "PayRedeem eCard"), the customer can use the PayRedeem eCard with those online retailers and service providers which accept PayRedeem eCard as means of payment (hereinafter, "Merchant" or "Participating Merchant"). Once the customer has purchased a PayRedeem eCard the customer can use it to pay for the purchase of products and services from these Merchants.

1.5 For the use of additional services, the customer may have to accept additional terms and conditions as notified to the customer when he/she is ordering or using such services. The customer is advised to print our download and keep a copy of this legal document for future reference. The customer can always view the current terms on the website.

2. OPENING AN ACCOUNT: REQUIREMENTS, REGISTRATION AND APPROVAL

2.1 The customer must be at least 18 (eighteen) years of age to open an Account and provide and official proof of identity. Global Primex is entitled to request proof of identity (legible picture) and age from the customer at any time. Each customer may only open one Account. The account must be in the customer's name. It is prohibited to open another Account for the customer or another person. If this regulation is violated, Global Primex expressly reserve the right to immediately freeze/block the relevant Account and terminate this Agreement. By accepting these Terms and Conditions the customer confirms that he/she will use the account in his/her own name and at his/her own cost, that he/she is the beneficial owner, and that he/she is not acting for the benefit of a third party.

2.2 To open an Account the customer must register online on the website (one-time procedure). As a financial institution, when establishing a business relationship, Global Primex is obliged to identify the customer and verify the customer identity, as well as assessing and, as appropriate, obtaining information on the purpose and intended nature of the business relationship. To this end, Global Primex is entitled to ask for proof of the customer's identity, the place of residence, the origin of the funds and to request other documents relating the purpose and intended nature of the business relationship and confirming the accuracy of registration data.

2.3 Global Primex is entitled to set up quantitative economic limits in the Account, both for the purchase of the products supported by Account and to the individual transactions executed through the Account and/or other limits based on risk assessment in order to protect the Account from fraudulent activity. For the purposes of the tier quantitative limits, Global Primex will consider the equivalent amount in EUR currency of the eCards denominated in any other currency. More information can be found on the website. Global Primex is entitled to temporarily or permanently increase or reduce the limits and the documentation required to qualify for each tier at its own discretion, on the basis of the relevant Anti-Money Laundering and Terrorist Financing (hereinafter, "AML-CFT") legislation and the recommendations by the international agencies.

2.4 Before the customer can perform transactions, whose amounts exceed the limits defined in the tiers, the customer must upgrade their Account to the relevant tier, this can be done at any moment. To do so the customer must submit the documentation required in order to assess the origin of the funds and the purpose of the business relationship. This data will be stored and checked electronically and reviewed by Global Primex’s specialized staff with the support of technological tools provided by reputable third-party providers.

2.5 Global Primex shall be entitled to block certain jurisdictions and/or regions if it is required or advisable in order to comply with the applicable anti money laundering legal framework. In this regard, Global Primex will block the jurisdictions and/or regions as per required by law, or if needed to comply with recommendations issued by a relevant government authority or recognized body for the prevention of financial crime. As a result, Global Primex, at its sole discretion, may decide to discontinue or restrict the services in certain regions and/or jurisdictions at any time and without prior notice, therefore, Global Primex reserves the right to suspend or terminate your Account at any time if Global Primex is required to do so by law or to comply with recommendations issued by a relevant government authority or recognized body for the prevention of financial crime. Whenever it is possible, Global Primex will publish on the website the list of jurisdictions and/or regions not supported.

2.6 Global Primex shall be entitled to update the above list at any moment.

3. BUYING PAYREDEEM

3.1 The customer can purchase a PayRedeem eCard directly from Global Primex, the customer can pay for a PayRedeem eCard with a bank transfer, with a debit/credit card or with different alternative payment methods. The customer should be aware that the payment methods available may vary depending on his/her location and the type of eCard (see section 3.5) that he/she wants to buy. Certain conditions may apply for each payment method, in which case the customer will be informed beforehand. Moreover, the Customer must be the title-owner of the payment method used for the purchasing of the PayRedeem eCard. Any violation of this requirement is very serious and will be treated as a fraudulent act. The base currency of PayRedeem is EUR. PayRedeem eCard are denominated in EUR and USD currencies, other currencies can be added in the future.

3.2 In order to receive the customer's wire payment in full, the customer must cover any wire related fees which are to be paid to the customer's bank. In this regard, most banks charge a fee for initiating a wire, but the amount of the possible fee depends on the sender’s bank and any intermediary bank they may use. If the customer is in doubt, the customer should contact his/her bank directly to ask if and the charges for initiating a wire. The customer should let his/her bank know that the customer will cover all fees associated with the wire prior to initiating the payment. Moreover, when filling out the wire application for a SWIFT international transfer, the customer should select "OUR" in the field related to the fees in order to avoid banks deducting additional fees for the wire.

3.3 Global Primex may enter into commercial relationships with online partners where the PayRedeem eCards can be purchased. The role of the online partners is to act as distributors, allowing the customer to buy the eCard and collect the funds, all of the remaining relevant actions will be performed by Global Primex. For the avoidance of doubt, Global Primex will issue the eCards and will also manage the redemption of the PayRedeem eCards at the Participating Merchants, as well as the execution, when applicable, of pay-outs and cash-outs.

3.4 Each PayRedeem eCard shall be assigned with its own unique reference number and with the unique Personal Identification Number ("PIN"), each of them will be between 16 to 20 digits. When the customer purchases a PayRedeem eCard, Global Primex will send the customer an email with the reference number and the PIN number, this information will also be displayed in the "My eCard" section. The customer needs to provide his/her mobile telephone, for security and verification purposes.

3.5 The eCards support several categories of spending destination. Each eCard can only be redeemed at a Participating Merchant that falls within the scope of the relevant category. The Customer needs to choose a category before buying the eCard. Each eCard will clearly visualize the category chosen by the customer at the moment it was purchased. The customer will not be able to change the category once the payment of the eCard has been authorized. The customer may need to upgrade its Tier in order to be able to buy certain categories.

3.6 All PayRedeem eCard are monitored to determine any irregular activity. Global Primex reserves the right to cancel any PayRedeem eCard if Global Primex reasonable believes that the transaction is suspicious or derived, directly or indirectly, from fraudulent activity.

3.7 Transaction related fees will be shown while purchasing an eCard, before authorizing any payment. Transaction related fees may include a processing fee and/or an activation fee, if applicable. If the fees are shown as struck through it means that the Participating Merchant preselected by the customer is sponsoring the fee (hereinafter, the "Sponsored Fees"). If this is accepted by the customer, then the eCard will not be able to be redeemed at a different Merchant.

3.8 The customer needs to be informed that neither Global Primex’s payment services providers nor any of its affiliates nor any of its brands, have made or will make any warranty nor representation as to the goods and/or services provided by Global Primex and that Global Primex’s payment service providers and its affiliates shall not be liable whether in contract, tort (including negligence), for breach of statutory duty, or otherwise for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising out of, or in connection with the products and/or services the payment service providers provide. Moreover, regarding the business relation between Global Primex and its payments service providers, please be informed that their activities are exclusively those related to the processing of the payments.

4. USING PAYREDEEM

4.1 The customer can use the PayRedeem eCard to make payments at Participating Merchants. The terms and conditions stated on the website of the relevant Participating Merchant will be applicable to the commercial relationship between the customer and the Participating Merchant. The validity of the PayRedeem eCard is 6 months from the moment it was purchased. If the customer does not redeem the PayRedeem eCard within 6 months, the PayRedeem eCard will be deactivated. The customer can use each PayRedeem eCard only one-time.

4.2 The customer can initiate a payment transaction to the relevant Participating Merchant by selecting the "payment by PayRedeem" option displayed on the Merchant's website. The payment details will be shown and then the customer shall authorize the transaction. After authorization the payment order will be deemed to have been received. Global Primex will process the payment order immediately, which means that the customer cannot cancel the order once it has been authorized.

4.3 All debits from the PayRedeem eCard shall be in the currency of the eCard, this is EUR or USD currency, or whichever other currency is going to be added in the future. In base currency of PayRedeem shall be EUR.

4.4 Upon authorization the transaction, the funds will be instantly credited to the Participating Merchants and the transaction becomes irreversible.

4.5 The customer will be able to bundle several PayRedeem eCards into one (hereinafter, "PayRedeem Bundled eCard"). The customer won't be able to bundle eCard from different categories.

4.6 It is prohibited to sell, trade in, or purchase PayRedeem eCard, of any type or sub-type. This prohibition explicitly refers to so-called "exchange platforms". A purchase of PayRedeem eCard over the Internet is allowed exclusively through the official website.

4.7 The customer can check the status of his/her PayRedeem eCard at any time in the Account's dashboard.

4.8 If the customer finds that his/her PayRedeem eCard is defective, the customer should tell Global Primex immediately, either by phone at (+44)1628200487 (UK) or (912)800-0083 (US), or via e-mail at [email protected]. If it is not possible to remedy the defect, Global Primex will refund the customer the relevant amount of the PayRedeem eCard.

4.9 The customer can schedule payments by setting up a scheduled payment order. By setting up a scheduled payment order, the customer is authorizing in advance that customer's payment method is debited for the purchase of an eCard, as well as authorizing in advance that Global Primex redeems the eCard in a Participating Merchant. Once the payment order has been duly activated, the customer will receive a reminder 24 hours before the funds are going to be captured from the payment method provided by the customer. Subsequently, the eCard will be automatically redeemed within 24 hours at the Participating Merchant as per the scheduled payment order provided by the customer. The customer can cancel the scheduled payment(s) at any point by logging into the Account and cancelling it, however the customer must cancel the scheduled payment order before the redemption of the eCard. For the avoidance of doubt, the customer will not be able to cancel the redemption of an eCard that has already been credited to the Participating Merchant.

5. REFUND

5.1 The customer may, at any time, request a refund of a particular PayRedeem eCard provided that the PayRedeem eCard has not been redeemed for the payment of goods and/or services at a Participating Merchant. To do so, the customer should send an e-mail to [email protected] providing the following details: (a) eCard number; (b) Date when the order was placed; (c) Order paid (amount and currency); (d) Product item (amount and currency); (e) Reason for refund.

5.2 If the customer bought the eCard with his/her debit/credit card, the refund will simply be executed by means of not capturing (transferring) the funds, as in those cases the funds are only captured (transferred) in case that the eCard has been redeemed. In all other cases, all eligible refunds will be credited as soon as practicable. A fee may be applicable in order to cover the costs incurred for refunding. Likewise, the customer should be aware that additional fees may be applied by the payment service provider operating the payment method used by the customer to purchase the eCard (i.e. the customer's Bank).

5.3 A customer can obtain a refund only if: (a) the customer did purchase the PayRedeem eCard; (b) the PayRedeem eCard has not been used (redeemed). In the event that the eCard has been used, the customer will be advised to contact the relevant Participating Merchant.

5.4 Any used (redeemed) PayRedeem eCard will be analyzed by our team and might be considered for a refund on a case-by-case basis (depending on the reason and circumstances).

5.5 Depending on the payment method used by the customer to purchase the eCard, a direct refund may not be possible, in that case the refund will be done via wire or whichever other payment method makes the refund possible.

5.6 The transaction-related fees (i.e. processing fee and/or activation fee) will not be refunded, as applicable. In this regard, the customer needs to be aware that the transaction-related fees sometimes are sponsored by the Participating Merchant preselected by the customer (which requires customer's consent), in which case the refunded amount may be deducted with the corresponding amount of the Sponsored Fees. Notwithstanding the foregoing, refunds of eCard purchased with debit/credit cards should not be deducted with the Sponsored fees, the same applies for any other eCard which was purchased with a payment method that supports an ex-post capture of the funds.

6. PAY-OUT AND CASH-OUT

6.1 Participating Merchants can perform a withdrawal to the customer using PayRedeem, to that end Global Primex will issue an eCard as a pay-out by the Participating Merchant to the customer (hereinafter, "PayRedeem Pay-Out eCard"), provided that the customer had redeemed at least one PayRedeem eCard with the Merchant in the past. The validity of each PayRedeem Pay-Out eCard is SIXTY (60) days. Global Primex may impose a minimum amount for each PayRedeem Pay-Out eCard. Global Primex does not charge any fee for the PayRedeem Pay-Out eCard although the Participating Merchant may charge a fee.

6.2 The pay-out feature will not be available if: (a) the customer's Account is blocked; (b) the limit for the Account, in its current status (tier), has been exceeded or; (c) the Participating Merchant is blocked or not authorized to make payments; (d) if the Participating Merchant's payment request is rejected, the customer will be immediately informed.

6.3 The customer can use a PayRedeem Pay-Out eCard as a normal eCard, hence, to pay for goods and services at the Participating Merchants. The customer can also cash-out the eCard, requesting the funds to be transferred to his/her bank account, the funds will be wired to the customer's bank account as soon as practicable. If the customer used a payment method different than the bank transfer, Global Primex will request the details of the bank account. Global Primex will request the relevant documentation that proves that the customer is the account holder of the bank account.

6.4 To cash-out a PayRedeem Pay-Out eCard is only possible to a bank account located in the jurisdiction registered as customer's residency. If the customer's bank does not accept the incoming wire, Global Primex will engage reasonably efforts in providing an alternative to the customer, in which case a fee may be applicable in order to cover the costs incurred by Global Primex.

6.5 The customer must ensure that the payment details entered when requesting the cash-out are correct and complete. Global Primex will not be liable for a cash-out being sent to the wrong account where this is due to the customer providing incorrect payment details. In particular, the customer must ensure that the bank account number, sort code, IBAN and/or BIC/SWIFT are correct. If the customer requests a cash-out to the wrong account, the customer may request that Global Primex assist him/her in reclaiming the funds. However, Global Primex may charge an administration fee for doing so. In any event, the customer needs to be aware that Global Primex cannot guarantee that the reclaim efforts will be successful. In the event that the reclaim efforts were successful, or for any reason the provision of the wrong payment details didn't materialize in the funds being sent to a wrong recipient, the customer will be able to provide with correct bank details and request for a new cash-out of the remaining amount (original amount minus fees applied by intermediary banks, if applicable).

6.6 Verification of the bank account verification might take up to 2 business days. After verification of the above-mentioned documents and bank account information, customers are notified regarding the status of their verification via email.

6.7 Depending on the location of the customer, Global Primex may apply a minimum amount for a cash-out. Global Primex will charge a fee in order to cover the costs incurred, the amount of the fee depends on several factors, including the location of the customer’s bank account. More detailed information can be found on the website, or requested via the customer support (phone, email, chat).

7. REJECTION OF A TRANSACTION

7.1 Global Primex will reject a payment transaction if: (a) carrying out the transaction would violate provisions of the relevant law, or a court order or official order; (b) there is a well-founded suspicion that carrying out the transaction would constitute an offence or is prohibited to prevent money laundering; (c) access data and/or security parameters have not been supplied or supplied incompletely; (d) the Account is blocked; (e) insufficient amount of the eCard to execute the transaction; (f) there is a mismatch between the title-owner of the payment method and the account holder of the Account; (g) when there is a high risk of chargeback, or when the third-party providers of payment/banking services deem that there is a high risk of chargeback; (h) the PayRedeem eCard was not acquired by person that is trying to use it.

7.2 If a transaction is rejected the customer will be informed immediately

8. SECURITY AND PIN PROTECTION

8.1 The customer must keep the eCard and/or the Pay-Out eCard safe and protect it from access by any third parties. The customer shall not give the details of the eCard to any third party. All transactions made using the and the PIN will be treated as being authorized by the customer. If the customer believes any transaction has been incorrectly executed, the customer must notify Global Primex without undue delay.

8.2 To maintain the security of the Account, Global Primex is authorized to contact the customer by sending an e-mail to the e-mail address provided by the customer when signing-up, or via text message or call to the mobile telephone number provided when signing-up. To this end, the customer shall be responsible for ensuring that the e-mail address and mobile telephone number provided are accessible, and for immediately retrieving and reading any messages sent to them by Global Primex in order to prevent unauthorized use of the Account and/or the PayRedeem eCard. Consequently, at any time, Global Primex is authorized to ask the customer to prove that their personal data is accurate and up to date, by providing appropriate evidence.

8.3 If Global Primex has legitimate concern that the customer's Account is at risk of fraud or a security threat, Global Primex will contact the customer using the details provided by the customer when signing-up.

8.4 The customer is obliged to protect their access data (email address and password) and any security parameters from use by third parties.

8.5 If the customer notices that their access data or security parameters have been lost, stolen, misused, or used in any other unauthorized way, they shall contact Global Primex without undue delay by telephone (+44)1628200487 (UK) or (912)800-0083 (US) or online [email protected] to have the Account blocked. Any undue delay in notifying Global Primex may affect the security of the customer's Account and PayRedeem eCards.

8.6 Credit card information is handled in compliance with PCI DSS 3.2 requirements and with respect to the strictest IT security practices via GPN DATA Payment Gateway (www.gpndata.com).

8.7 Please note that the staff of Global Primex will never ask the customer to provide his/her password by phone, e-mail or in any other way. The username and password shall only be entered directly on the website of Global Primex.

9. DISPUTES WITH MERCHANTS

9.1 If the customer has any disputes about purchases made with an eCard, the customer should settle these with the relevant Merchant. Global Primex is not responsible for the quality, safety or any other aspect of any goods or services purchased with PayRedeem eCards.

9.2 The customer will not be able to cancel the redemption of an eCard that has already been credited to the Participating Merchant, unless the customer didn't authorize the transaction, or the Participating Merchant engaged in fraud.

10. FEES

10.1 When the customer purchases an eCard certain transaction-related fees may be applicable, including a processing fee and/or an activation fee. Any applicable fee would be clearly displayed before buying the eCard. If the fees are shown as struck through it means that the Participating Merchant preselected by the customer is sponsoring those fees.

10.2 When executing a payment transaction to purchase a PayRedeem eCard or when requesting a cash-out, fees from third-party financial entities may apply according to the terms of the agreement between the customer and its bank or the financial entity operating the payment method. By purchasing the PayRedeem eCard or requesting the cash-out, the customer acknowledges that he/she solely responsible for any and all fees applied by his/her bank or financial entity operating the payment method.

10.3 All fees will be charged in the currency of the PayRedeem eCard. Nevertheless, the fees applicable by the financial entity operating the payment method used by the customer to purchase the PayRedeem eCard or to receive a cash-out will be charged, if applicable, in the currency of the payment method, regardless of the currency of the PayRedeem eCard.

11. BLOCKING THE ACCOUNT

11.1 Global Primex is entitled and may freeze/block the customer's Account or otherwise restrict its functionality on reasonable grounds relating to the security of the Account or any of their security features or if Global Primex reasonably suspects that an unauthorized or fraudulent use of the customer's Account has occurred or that any of its security features have been compromised. Global Primex will notify in advance the customer if Global Primex proceeds to freeze the Account or, where Global Primex is unable to do so, immediately after the suspension or restriction has been imposed, unless notifying the customer would be unlawful or compromise Global Primex's reasonable security interests. Global Primex will unblock the Account as soon as practicable after the reasons for the suspension and/or restriction have ceased to exist.

12. LIABILITY

12.1 In the case of an unauthorized payment that was incorrectly executed due to an error by Global Primex, Global Primex shall, as soon as practicable, refund the payment amount including all fees, if applicable.

12.2 Notwithstanding the above, Global Primex shall not be liable if the transaction was unauthorized but the customer acted fraudulently or compromised the security of the Account with intent or gross negligence, in which case the customer shall be solely liable for all losses. Likewise, the customer shall be solely liable for all the losses if the customer failed to dispute and bring the unauthorized or incorrectly executed transaction to Global Primex's attention within thirteen (13) months from the date of the transaction.

12.3 Global Primex shall not be liable for any disruption or impairment of the service or for disruptions or impairments of intermediary services on which Global Primex relies, provided that such disruption or impairment is due to abnormal and unforeseeable circumstances beyond Global Primex's reasonable control or the control of the intermediary affected.

12.4 Global Primex shall not be liable for any indirect or consequential losses.

12.5 Global Primex shall not be liable for the assessment or payment of any taxes, duties or other charges that arise from the customer's use of his/her PayRedeem eCard.

12.6 Global Primex does not guarantee the permanent availability of the Global Primex system, in particular the availability of the systems of the Merchants.

13. DATA PROTECTION

13.1 The customer explicitly consents to Global Primex, an entity with corporate address and operating in the Republic of Mauritius, accessing, processing, and retaining any information the customer provides to Global Primex, for the purposes of providing the services. The customer may withdraw this consent at any time. If the customer withdraws consent and/or closes his/her Account, Global Primex will cease using the customer's data but. However, if the customer has performed any transaction with economic value, Global Primex shall keep the customer's data for other purposes where Global Primex has other lawful grounds to do so, such as Anti-Money Laundering and Terrorist Financing purposes.

13.2 When the Account is used, the customer's personal data will be collected to the extent necessary to supply the services. We use cookies for the purpose of system protection and protection against misuse. The customer must accept these cookies in order to use the Global Primex website. Global Primex makes the Privacy Notice in the following section of the website: www.payredeem.com/privacy-policy

14. TERM AND TERMINATION OF CONTRACT

14.1 The contract between Global Primex and the customer concerning the use of the Account shall apply for an indefinite period of time.

14.2 The customer is entitled to terminate the contractual relationship at any time, without giving any notice period. On the other hand, Global Primex is entitled to terminate the contractual relationship at any time by giving two (2) months' notice by e-mail to the e-mail address provided by the customer.

14.3 Global Primex shall be entitled to terminate the contractual relationship with the customer with immediate effect, by e-mail to the e-mail address provided, if one of the following scenarios take place: (a) the customer has made incorrect statements about their identity, or concealed any other material circumstances; (b) the customer has violated material provisions of these Terms and Conditions; (c) Global Primex reasonably believes the customer has committed unlawful acts or violated Anti-Money Laundering and Terrorist Financing provisions; (d) the customer uses his/her Account in an illegitimate manner; (e) the customer uses PayRedeem eCards that were not bought directly from Global Primex; (f) there are cyber-security concerns; or (g) Global Primex is obliged to terminate the contract without notice due to statutory or regulatory reasons.

14.4 When the termination of the contract becomes effective, the customer's Account will be blocked. Global Primex shall refund to the customer the amount of the PayRedeem eCards not redeemed.

15. AMENDMENTS TO THE TERMS AND CONDITIONS

15.1 Global Primex is entitled to amend these Terms and Conditions provided the customer is given written notification of the intended amendments not later than TWO (2) months before to the date on which they are scheduled to apply. This notification shall be sent by e-mail to the e-mail address stored in the customer's Account. The parties agree that, unless the customer objects to the proposed amendments in writing before the date on which they are scheduled to come into force, the customer will be deemed to have consented to these amendments, which shall become an effective part of the contract with the customer. The customer shall be entitled to terminate the contract with Global Primex without notice prior to the date on which the amendments enter into force. In the communication regarding the amendments to the contract, Global Primex shall inform the customer about the consequences of failing to object to the amendments, and about the customer's right to terminate the contract free of charge, and without notice.

15.2 Any simple enhancement of functionality, introduction of new services, or change of payment methods or merchants, shall not be deemed an amendment to the contract.

16. COMPLAINTS

16.1 If the customer is dissatisfied in any way with the eCards or the way our service is managed, the customer can contact Global Primex by e-mailing [email protected], Global Primex will handle the compliant seriously and will investigate the circumstances. Any complaints made by the customer will be dealt with quickly and fairly.

17. APPLICABLE LAW

17.1 This contract shall be subject to the laws of the Republic of Mauritius. If any clauses or parts of clauses are ineffective, the effectiveness of the remainder of the clause(s) and the contract shall not be affected.