INubem Agreement, Terms, Prices, and Policies

Parties

Agreement

Schedule 1: Hosted Services and Prices

Schedule 2: Acceptable Use Policy

Date

May 31st, 2016

Parties

1.        INubem Sistemas, having its office at Avenida Onze de Junho, 719, São Paulo, Brazil (the "Provider"); and

2.        The natural or legal person, that uses, or desires to use the INubem SaaS        service (the "Customer").

Agreement

1.        Definitions

1.1        Except to the extent expressly provided otherwise, in this Agreement:

"Account" means an account enabling a person to access and use the Hosted Services, including both administrator accounts and user accounts;

"Agreement" means this agreement including any Schedules, and any amendments to this Agreement from time to time;

"Business Day" means any weekday other than a bank or public holiday in USA;

"Business Hours" means the hours of 09:00 to 17:00 UTC/GMT -3 on a Business Day;

"Charges" means the following amounts:

(a)        the amounts due to Customer Data storaged specified in Part 2 of Schedule 1 (Hosted Services particulars);

(b)        the amount due to data transfer in and out of of the Platform specified in Part 2 of Schedule 1 (Hosted Services particulars);

(c)        amounts calculated by multiplying the Provider's standard time-based charging rates (specified in Part 2 of Schedule 1 - Hosted Services particulars) by the time spent by the Provider's personnel performing the Support Services rounded up by the Provider to the nearest quarter hour; and

(d)   amount calculated by multiplying the Provider's standard operations (access or update) rates by the operations performed at each user access to the service.

"Customer Data" means all data, works and materials: uploaded to or stored on the Platform by the Customer; transmitted by the Platform at the instigation of the Customer; supplied by the Customer to the Provider for uploading to, transmission by or storage on the Platform; or generated by the Platform as a result of the use of the Hosted Services by the Customer;

"Documentation" means the documentation for the Hosted Services produced by the Provider and delivered or made available by the Provider to the Customer;

"Effective Date" means the date of acceptance of this Agreement;

"Force Majeure Event" means an event, or a series of related events, that is outside the reasonable control of the party affected (including failures of the internet, of the infrastructure provider, or any public telecommunications network, hacker attacks, denial of service attacks, virus or other malicious software attacks or infections, power failures, industrial disputes affecting any third party, changes to the law, disasters, explosions, fires, floods, riots, terrorist attacks and wars);

"Hosted Services"means the specification for the Platform and Hosted Services set out in Part 1 of Schedule 1 (Hosted Services particulars) and in the Documentation;

"Hosted Services Defect" means a defect, error or bug in the Platform having an adverse effect or on the appearance, operation, functionality or performance of the Hosted Services, but excluding any defect, error or bug caused by or arising as a result of:

(a)        any act or omission of the Customer or any person authorised by the Customer to use the Platform or Hosted Services;

(b)        any use of the Platform or Hosted Services contrary to the Documentation, whether by the Customer or by any person authorised by the Customer;

(c)        a failure of the Customer to perform or observe any of its obligations in this Agreement; and/or

(d)        an incompatibility between the Platform or Hosted Services and any other system, network, application, program, hardware or software not specified as compatible in the Hosted Services Specification;

"Hosted Services Specification" means the specification for the Platform and Hosted Services set out in Part 1 of Schedule 1 (Hosted Services particulars) and in the Documentation;

"Intellectual Property Rights" means all intellectual property rights wherever in the world, whether registrable or unregistrable, registered or unregistered, including any application or right of application for such rights (and these "intellectual property rights" include copyright and related rights, database rights, confidential information, trade secrets, know-how, business names, trade names, trade marks, service marks, passing off rights, unfair competition rights, patents, petty patents, utility models, semi-conductor topography rights and rights in designs);

"Maintenance Services" means the general maintenance of the Platform and Hosted Services, and the application of Updates and Upgrades;

"Personal Data" has the meaning given to it in the Data Protection Act 1998;

"Platform" means the platform managed by the Provider and used by the Provider to provide the Hosted Services, including the application and database software for the Hosted Services, the system and server software used to provide the Hosted Services, and the platform on which that application, database, system and server software is installed;

"Schedule" means any schedule attached to main body of this Agreement;

"Services" means any services that the Provider provides to the Customer, or has an obligation to provide to the Customer, under this Agreement;

"Support Services" means support in relation to the use of, and the identification and resolution of errors in, the Hosted Services, but shall not include the provision of training services;

"Supported Web Browser" means the current release from time to time of Microsoft Internet Explorer, Mozilla Firefox, Google Chrome or Apple Safari, or any other web browser that the Provider agrees in writing shall be supported;

"Term" means the term of this Agreement, commencing in accordance with Clause 3.1 and ending in accordance with Clause 3.2;

"Update" means a hotfix, patch or minor version update to any Platform software; and

"Upgrade" means a major version upgrade of any Platform software.

2.        Credit

2.1        This document was created using a template from SEQ Legal (http://www.seqlegal.com).

3.        Term

3.1        This Agreement shall come into force upon the Effective Date.

3.2        This Agreement shall continue in force indefinitely, subject to termination in accordance with Clause 17.

4.        Hosted Services

4.1        The Provider shall ensure that the Platform will allows the Customer to generate an Account for the Customer.

4.2        The Provider hereby grants to the Customer a worldwide, non-exclusive licence to use the Hosted Services by means of a Supported Web Browser for the internal business purposes of the Customer in accordance with the Documentation during the Term.

4.3        The licence granted by the Provider to the Customer under Clause 4.2 is subject to the following limitations:

(a)        the Hosted Services may only be used by the officers, employees, agents, subcontractors, or any kind acquaintances of the Customer;

4.4        Except to the extent expressly permitted in this Agreement or required by law on a non-excludable basis, the licence granted by the Provider to the Customer under Clause 4.2 is subject to the following prohibitions:

(a)        the Customer must not sub-license its right to access and use the Hosted Services;

(b)        the Customer must not permit any unauthorised person to access or use the Hosted Services;

(c)        the Customer must not use the Hosted Services to provide services to third parties;

(d)        the Customer must not republish or redistribute any content or material from the Hosted Services; and

4.5        The Customer shall use reasonable endeavours, including reasonable security measures relating to administrator Account access details, to ensure that no unauthorised person may gain access to the Hosted Services using an administrator Account.

4.6        The Provider shall use all reasonable endeavours to maintain the availability of the Hosted Services to the Customer but does not guarantee 100% availability.

4.7        For the avoidance of doubt, downtime caused directly or indirectly by any of the following shall not be considered a breach of this Agreement:

(a)        a Force Majeure Event;

(b)        a fault or failure of the internet, infrastructure provider, or any public telecommunications network;

(c)        a fault or failure of the Customer's computer systems or networks;

(d)        any breach by the Customer of this Agreement; or

(e)        scheduled maintenance carried out in accordance with this Agreement.

4.8        The Customer must comply with Schedule 2 (Acceptable Use Policy), and must ensure that all persons using the Hosted Services with the authority of the Customer or by means of an administrator Account comply with Schedule 2 (Acceptable Use Policy).

4.9        The Customer must not use the Hosted Services in any way that causes, or may cause, damage to the Hosted Services or Platform or impairment of the availability or accessibility of the Hosted Services.

4.10        The Customer must not use the Hosted Services:

(a)        in any way that is unlawful, illegal, fraudulent or harmful; or

(b)        in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

4.11        The Provider may suspend the provision of the Hosted Services if any amount due to be paid by the Customer to the Provider under this Agreement is overdue, and the Provider has given to the Customer at least 30 days' email notice (administrator email address), following the amount becoming overdue, of its intention to suspend the Hosted Services on this basis.

4.12 The Customer ensures that the administrator email address are updated in the Platform and is active during the Term, and after, if any pending issue remains.

5.        Maintenance Services

5.1        The Provider shall provide the Maintenance Services to the Customer during the Term.

5.2        The Provider shall where practicable give to the Customer at least 10 Business Days' prior email notice (administrador email address) of scheduled Maintenance Services that are likely to affect the availability of the Hosted Services or are likely to have a material negative impact upon the Hosted Services, without prejudice to the Provider's other notice obligations under this main body of this Agreement.

5.3        The Provider shall give to the Customer at least 10 Business Days' prior email notice (administrador email address) of the application of an Upgrade to the Platform.

5.4        The Provider shall give to the Customer email notice (administrador email address) of the application of any security Update to the Platform and at least 10 Business Days' prior email notice (administrador email address) of the application of any non-security Update to the Platform.

5.5        The Provider shall provide the Maintenance Services with reasonable skill and care.

6.        Support Services

6.1        The Provider shall provide the Support Services to the Customer during the Term.

6.2        The Provider shall make available to the Customer an email address helpdesk (support@inubem.com) in accordance with the provisions of this main body of this Agreement.

6.3        The Provider shall provide the Support Services with reasonable skill and care.

6.4        The Customer may use the helpdesk for the purposes of requesting and, where applicable, receiving the Support Services; and the Customer must not use the helpdesk for any other purpose.

6.5        The Provider shall respond to all requests for Support Services made by the Customer through the helpdesk at least within 3 Business Days.

6.6        The Provider may suspend the provision of the Support Services if any amount due to be paid by the Customer to the Provider under this Agreement is overdue, and the Provider has given to the Customer at least 30 days' email notice (administrador email address), following the amount becoming overdue, of its intention to suspend the Support Services on this basis.

7.        Customer Data

7.1        The Customer hereby grants to the Provider a non-exclusive licence to copy, reproduce, store, distribute, publish, export, adapt, edit and translate the Customer Data to the extent reasonably required for the performance of the Provider's obligations and the exercise of the Provider's rights under this Agreement, together with the right to sub-license these rights to its hosting, connectivity, infrastructure, and telecommunications service providers to the extent reasonably required for the performance of the Provider's obligations and the exercise of the Provider's rights under this Agreement.

7.2        The Customer warrants to the Provider that the use of the Customer Data by the Provider in accordance with this Agreement will not:

(a)        breach the provisions of any law, statute or regulation;

(b)        infringe the Intellectual Property Rights or other legal rights of any person; or

(c)        give rise to any cause of action against the Provider,

8.        No assignment of Intellectual Property Rights

8.1        Nothing in this Agreement shall operate to assign or transfer any Intellectual Property Rights from the Provider to the Customer, or from the Customer to the Provider.

9.        Charges

9.1        The Customer shall pay the Charges to the Provider in accordance with this Agreement.

9.2        All amounts stated in or in relation to this Agreement are, unless the context requires otherwise, stated inclusive of any applicable value added taxes.

10.        Payments

10.1        The Customer must pay the Charges to the Provider providing that the Charges must in all cases be paid before the commencement of the period to which they relate.

10.2        The Customer must pay the Charges by debit card, credit card, direct debit, bank transfer or cheque through one of the payment gateways provided by the Provider.

10.3        If the Customer does not pay any amount properly due to the Provider under this Agreement, the Provider may:

(a)        interrupt the service and remove all Customer Data with a 10 Business Days' prior email notice (administrador email address);

11.        Provider's confidentiality obligations

11.1        The Provider must:

(a)        keep the Customer Confidential Information strictly confidential;

(b)        not disclose the Customer Confidential Information to any person without the Customer's prior consent, and then only under conditions of confidentiality approved in writing by the Customer;

(c)        use the same degree of care to protect the confidentiality of the Customer Confidential Information as the Provider uses to protect the Provider's own confidential information of a similar nature, being at least a reasonable degree of care;

(d)        act in good faith at all times in relation to the Customer Confidential Information; and

(e)        not use any of the Customer Confidential Information for any purpose other than the Permitted Purpose.

11.2        Notwithstanding Clause 11.1, the Provider may disclose the Customer Confidential Information to the Provider's officers, employees, professional advisers, insurers, agents and subcontractors who have a need to access the Customer Confidential Information for the performance of their work with respect to the Permitted Purpose and who are bound by a written agreement or professional obligation to protect the confidentiality of the Customer Confidential Information.

11.3        This Clause 11 imposes no obligations upon the Provider with respect to Customer Confidential Information that:

(a)        is known to the Provider before disclosure under this Agreement and is not subject to any other obligation of confidentiality;

(b)        is or becomes publicly known through no act or default of the Provider; or

(c)        is obtained by the Provider from a third party in circumstances where the Provider has no reason to believe that there has been a breach of an obligation of confidentiality.

11.4        The restrictions in this Clause 11 do not apply to the extent that any Customer Confidential Information is required to be disclosed by any law or regulation, by any judicial or governmental order or request, or pursuant to disclosure requirements relating to the listing of the stock of the Provider on any recognised stock exchange.

11.5        The provisions of this Clause 11 shall continue in force indefinitely following the termination of this Agreement.

12.        Data protection

12.1        The Customer warrants to the Provider that it has the legal right to disclose all Personal Data that it does in fact disclose to the Provider under or in connection with this Agreement.

12.2        To the extent that the Provider processes Personal Data disclosed by the Customer, the Provider warrants that:

(a)        it will act only on instructions from the Customer in relation to the processing of that Personal Data;

(b)        it has in place appropriate security measures (both technical and organisational) against unlawful or unauthorised processing of that Personal Data and against loss or corruption of that Personal Data.

13.        Warranties

13.1        The Provider warrants to the Customer that:

(a)        the Provider has the legal right and authority to enter into this Agreement and to perform its obligations under this Agreement;

(b)        the Provider will comply with all applicable legal and regulatory requirements applying to the exercise of the Provider's rights and the fulfilment of the Provider's obligations under this Agreement; and

(c)        the Provider has or has access to all necessary know-how, expertise and experience to perform its obligations under this Agreement.

13.2        The Provider warrants to the Customer that:

(a)        the Platform and Hosted Services will conform in all respects with the Hosted Services Specification;

(d)        the Platform will be free from viruses, worms, Trojan horses, ransomware, spyware, adware and other malicious software programs; and

(e)        the Platform will incorporate security features reflecting the requirements of good industry practice.

13.3        The Provider warrants to the Customer that the Hosted Services, when used by the Customer in accordance with this Agreement, will not breach any laws, statutes or regulations applicable under English law.

13.4        The Provider warrants to the Customer that the Hosted Services, when used by the Customer in accordance with this Agreement, will not infringe the Intellectual Property Rights of any person.

13.5        If the Provider reasonably determines, or any third party alleges, that the use of the Hosted Services by the Customer in accordance with this Agreement infringes any person's Intellectual Property Rights, the Provider may at its own cost and expense:

(a)        modify the Hosted Services in such a way that they no longer infringe the relevant Intellectual Property Rights; or

(b)        procure for the Customer the right to use the Hosted Services in accordance with this Agreement.

13.6        The Customer warrants to the Provider that it has the legal right and authority to enter into this Agreement and to perform its obligations under this Agreement.

13.7        All of the parties' warranties and representations in respect of the subject matter of this Agreement are expressly set out in this Agreement. To the maximum extent permitted by applicable law, no other warranties or representations concerning the subject matter of this Agreement will be implied into this Agreement or any related contract.

14.        Acknowledgements and warranty limitations

14.1        The Customer acknowledges that complex software is never wholly free from defects, errors and bugs; and subject to the other provisions of this Agreement, the Provider gives no warranty or representation that the Hosted Services will be wholly free from defects, errors and bugs.

14.2        The Customer acknowledges that complex software is never entirely free from security vulnerabilities; and subject to the other provisions of this Agreement, the Provider gives no warranty or representation that the Hosted Services will be entirely secure.

14.3        The Customer acknowledges that the Hosted Services are designed to be compatible only with that software and those systems and the Provider does not warrant or represent that the Hosted Services will be compatible with any other software or systems.

14.4        The Customer acknowledges that the Provider will not provide any legal, financial, accountancy or taxation advice under this Agreement or in relation to the Hosted Services; and, except to the extent expressly provided otherwise in this Agreement, the Provider does not warrant or represent that the Hosted Services or the use of the Hosted Services by the Customer will not give rise to any legal liability on the part of the Customer or any other person.

15.        Limitations and exclusions of liability

15.1        Nothing in this Agreement will:

(a)        limit or exclude any liability for death or personal injury resulting from negligence;

(b)        limit or exclude any liability for fraud or fraudulent misrepresentation;

(c)        limit any liabilities in any way that is not permitted under applicable law; or

(d)        exclude any liabilities that may not be excluded under applicable law.

15.2        The limitations and exclusions of liability set out in this Clause 16 and elsewhere in this Agreement:

(a)        are subject to Clause 15.1; and

(b)        govern all liabilities arising under this Agreement or relating to the subject matter of this Agreement, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in this Agreement.

15.3        Neither party shall be liable to the other party in respect of any losses arising out of a Force Majeure Event.

15.4        Neither party shall be liable to the other party in respect of any loss of profits or anticipated savings.

15.5        Neither party shall be liable to the other party in respect of any loss of revenue or income.

15.6        Neither party shall be liable to the other party in respect of any loss of use or production.

15.7        Neither party shall be liable to the other party in respect of any loss of business, contracts or opportunities.

15.8        Neither party shall be liable to the other party in respect of any special, indirect or consequential loss or damage.

15.9        The liability of the Provider to the Customer under this Agreement in respect of any event or series of related events shall not exceed the total amount paid and payable by the Customer to the Provider under this Agreement in the 2 month period preceding the commencement of the event or events.

15.10        The aggregate liability of the Provider to the Customer under this Agreement shall not exceed the total amount paid and payable by the Customer to the Provider under this Agreement in the previous 2 months.

16.        Force Majeure Event

16.1        If a Force Majeure Event gives rise to a failure or delay in either party performing any obligation under this Agreement (other than any obligation to make a payment), that obligation will be suspended for the duration of the Force Majeure Event.

16.2        A party that becomes aware of a Force Majeure Event which gives rise to, or which is likely to give rise to, any failure or delay in that party performing any obligation under this Agreement, must:

(a)        promptly notify the other; and

(b)        inform the other of the period for which it is estimated that such failure or delay will continue.

16.3        A party whose performance of its obligations under this Agreement is affected by a Force Majeure Event must take reasonable steps to mitigate the effects of the Force Majeure Event.

17.        Termination

17.1        Either party may terminate this Agreement:

(a)        Customer may terminate at any moment with no further advise;

(b)        Provider must email notice (administrator email address) the Customer at least 30 days' of termination.

17.2        Either party may terminate this Agreement immediately if the other party commits a material breach of this Agreement.

(a) Provider must notice the termination to the Customer by the Administrator e-mail.

17.3        the Provider may terminate this Agreement immediately if you fail not deposit sufficient funds to keep the data stored by the Provider.

(a) ths Provider must notice the termination to the Customer by the Administrator e-mail.

(b) the Customer can set up your account to receive low balance alerts in order to have enough time to recharge the balance;

(c) The provider may grant, at its discretion, a period before terminating the contract based on the deposits made earlier by the Customer.

17.4        Either party may terminate this Agreement immediately by giving email notice of termination to the other party if:

(a)        the other party:

(i)        is dissolved;

(ii)        ceases to conduct all (or substantially all) of its business;

(iii)        is or becomes unable to pay its debts as they fall due;

(iv)        is or becomes insolvent or is declared insolvent; or

(v)        convenes a meeting or makes or proposes to make any arrangement or composition with its creditors;

(b)        an administrator, administrative receiver, liquidator, receiver, trustee, manager or similar is appointed over any of the assets of the other party;

(c)        an order is made for the winding up of the other party, or the other party passes a resolution for its winding up (other than for the purpose of a solvent company reorganisation where the resulting entity will assume all the obligations of the other party under this Agreement); or

(d)        if that other party is an individual:

(i)        that other party dies;

(ii)        as a result of illness or incapacity, that other party becomes incapable of managing his or her own affairs; or

(iii)        that other party is the subject of a bankruptcy petition or order.

18.        Effects of termination

18.1        Upon the termination of this Agreement, all of the provisions of this Agreement shall cease to have effect, save that the following provisions of this Agreement shall survive and continue to have effect (in accordance with their express terms or otherwise indefinitely):

18.2        The termination of this Agreement shall not affect the accrued rights of either party.

18.3        Within 30 days following the termination of this Agreement for any reason:

(a)        the Customer must pay to the Provider any Charges in respect of Services provided to the Customer before the termination of this Agreement; and

(b)        the Provider must refund to the Customer Charges paid by the Customer to the Provider in respect of Services that were to be provided to the Customer after the termination of this Agreement., limited by the amount of payments made by Customer in the last 60 days.

        without prejudice to the parties' other legal rights.

18.4 The data stored by the Provider will be removed.

19.        Notices

19.1        Any notice from one party to the other party under this Agreement must be given by email:

(a)        The Provider must be noticed on support@inubem.com

(b)        The Customer will be noticed by its main administrator email address

providing that, if the stated time of deemed receipt is not within Business Hours, then the time of deemed receipt shall be when Business Hours next begin after the stated time.

20.        General

20.1        No breach of any provision of this Agreement shall be waived except with the express written consent of the party not in breach.

20.2        If any provision of this Agreement is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions of this Agreement will continue in effect. If any unlawful and/or unenforceable provision 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 (unless that would contradict the clear intention of the parties, in which case the entirety of the relevant provision will be deemed to be deleted).

20.3        This Agreement may be varied by the Provider that always must notice the Customer in advance of 15 days.

20.4        Neither party may without the prior written consent of the other party assign, transfer, charge, license or otherwise deal in or dispose of any contractual rights or obligations under this Agreement.

20.5        This Agreement is made for the benefit of the parties, and is not intended to benefit any third party or be enforceable by any third party. The rights of the parties to terminate, rescind, or agree any amendment, waiver, variation or settlement under or relating to this Agreement are not subject to the consent of any third party.

20.6        Subject to Clause 16.1, this Agreement shall constitute the entire agreement between the parties in relation to the subject matter of this Agreement, and shall supersede all previous agreements, arrangements and understandings between the parties in respect of that subject matter.

21.        Interpretation

21.1        In this Agreement, a reference to a statute or statutory provision includes a reference to:

(a)        that statute or statutory provision as modified, consolidated and/or re-enacted from time to time; and

(b)        any subordinate legislation made under that statute or statutory provision.

21.2        The Clause headings do not affect the interpretation of this Agreement.

21.3        In this Agreement, general words shall not be given a restrictive interpretation by reason of being preceded or followed by words indicating a particular class of acts, matters or things.


Schedule 1: Hosted Services and Prices

1.        Specification of Hosted Services

INubem is a general purpose data-entry builder offered as SaaS Platform.

2.         Types of Clients

All Customers have the same status before INubem. Some of them can be enabled as Reseller.

Reseller

A Reseller may associate with it certain other INubem Customers, which are generally referred to in this document as "its customers". This relationship does not mean the loss of the Client's status for the INubem, but only the establishment of a relationship between two INubem Customers. Therefore, both Reseller and "its customer" are INubem Customers in the same way.

Reseller can qualify to earn discounts for themselves or their customers. These discounts can be applied to future charges of its funds and their customers funds. The difference between the Reseller discount and the discount passed on to their customer is the profit margin. When the customer consumes the fund, the profit is determined and made available to the Reseller for withdrawal.

3.        Financial provisions

All prices are in American dollars (USD).

3.1. Storage Costs

0.000019 / MB or 0.001 every 60 minutes, whichever is greater. The application of the minimum cost of 0,001 every 60 minutes generates a minimum monthly cost of approximately 0.75.

3.2. Data in/out traffic

No cost.

3.3. Usage

0.024 at each 1,000 data write operations (new or existing data);

0.0072 at each 1,000 data read operations.

Comments:

  1. Operations are counted independently of the size of the registry;
  2. Internal operations (system logs, financial records and other system controls) are also counted in the Account;
  3. Minimum cost per session: each user session is charged at least 0.001 if the total operations of that session does not reach this cost. A session is opened for each user and remains open (regardless of the user keeps the application open) for about 3 hours.

3.4. The reseller's cost of activation can vary from 50.00 to 300.00 and qualify for credits of future charges (its  charges or their Customers charges) whose total is defined at the time of activation. Reseller can withdraw their income when they accumulate at least 50.00.

IMPORTANT NOTES:

(A) the value for reseller authorization is NOT REFUNDABLE. And is NOT TRANSFERABLE.

(B) this value does not constitute acquisition of any load of values, but only the RIGHT to acquire loads with discounts.

(C) not exercising this right does not constitute withdrawal from it.

(D) the Reseller Account may be closed at any time

4.        Contractual notices

The only available contractual model is the “pay as you go”, funded in advanced. New Accounts are granted a small initial fund for free.

Accounts can be closed by negative balances and the data is removed. The customer can set low balance notices to prevent this.

They are granted up to 21 days for the balance to be settled, since the negative value does not exceed 5% of previously deposited by the Client. If exceeded this value the account is removed summarily.

The client who voluntarily terminates its account has the eventual remaining balance of funds returned by the SAME means of payment for which it made its last charge.


Schedule 2: Acceptable Use Policy

1.        Introduction

1.1        This acceptable use policy (the "Policy") sets out the rules governing:

(a)        the use of the website at www.inubem.com any successor website, and the services available on that website or any successor website (the "Services"); and

(b)        the transmission, storage and processing of content by you, or by any person on your behalf, using the Services ("Content").

1.2        References in this Policy to "you" are to any customer for the Services and any individual user of the Services (and "your" should be construed accordingly); and references in this Policy to "us" are to Provider (and "we" and "our" should be construed accordingly).

1.3        By using the Services, you agree to the rules set out in this Policy.

1.4        We will ask for your express agreement to the terms of this Policy through an express acceptance in the website.

1.5        You must be at least 18 years of age to use the Services; and by using the Services, you warrant and represent to us that you are at least 18 years of age .

2.        General usage rules

2.1        You must not use the Services in any way that causes, or may cause, damage to the Services or impairment of the availability or accessibility of the Services.

2.2        You must not use the Services:

(a)        in any way that is unlawful, illegal, fraudulent or harmful; or

(b)        in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

2.3        You must ensure that all Content complies with the provisions of this Policy.

3.        Unlawful Content

3.1        Content must not be illegal or unlawful, must not infringe any person's legal rights, and must not be capable of giving rise to legal action against any person (in each case in any jurisdiction and under any applicable law).

3.2        Content, and the use of Content by us in any manner licensed or otherwise authorised by you, must not:

(a)        be libellous or maliciously false;

(b)        be obscene or indecent;

(c)        infringe any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right;

(d)        infringe any right of confidence, right of privacy or right under data protection legislation;

(e)        constitute negligent advice or contain any negligent statement;

(f)        constitute an incitement to commit a crime, instructions for the commission of a crime or the promotion of criminal activity;

(g)        be in contempt of any court, or in breach of any court order;

(h)        constitute a breach of racial or religious hatred or discrimination legislation;

(i)        be blasphemous;

(j)        constitute a breach of official secrets legislation; or

(k)        constitute a breach of any contractual obligation owed to any person.

[additional list items]

3.3        You must ensure that Content is not and has never been the subject of any threatened or actual legal proceedings or other similar complaint.

4.        Graphic material

4.1        Content must be appropriate for all persons who have access to or are likely to access the Content in question, and in particular for children over 12 years of age.

4.2        Content must not depict violence in an explicit, graphic or gratuitous manner.

4.3        Content must not be pornographic or sexually explicit if you could not provide effective ways to avoid the access to minors (regarding age applied to each local legislation.

5.        Factual accuracy

5.1        Content must not be untrue, false, inaccurate or misleading.

5.2        Statements of fact contained in Content and relating to persons (legal or natural) must be true; and statements of opinion contained in Content and relating to persons (legal or natural) must be reasonable, be honestly held and indicate the basis of the opinion.

6.        Negligent advice

6.2        Content must not consist of or contain any advice, instructions or other information that may be acted upon and could, if acted upon, cause death, illness or personal injury, damage to property, or any other loss or damage.

7.        Etiquette

7.1        Content must be appropriate, civil and tasteful, and accord with generally accepted standards of etiquette and behaviour on the internet.

7.2        Content must not be offensive, deceptive, threatening, abusive, harassing, menacing, hateful, discriminatory or inflammatory.

7.3        Content must not be liable to cause annoyance, inconvenience or needless anxiety.

7.4        You must not use the Services to send any hostile communication or any communication intended to insult, including such communications directed at a particular person or group of people.

7.5        You must not use the Services for the purpose of deliberately upsetting or offending others.

7.6        You must not unnecessarily flood the Services with material relating to a particular subject or subject area, whether alone or in conjunction with others.

7.7        You must at all times be courteous and polite to other users of the Services.

8.        Marketing and spam

8.1        Content must not constitute or contain spam, and you must not use the Services to store or transmit spam - which for these purposes shall include all unlawful marketing communications and unsolicited commercial communications.

8.2        You must not send any spam to any person using any email address, or other contact details, made available through the Services or that you find using the Services.

8.3        You must not use the Services to promote or operate any chain letters, Ponzi schemes, pyramid schemes, matrix programs, "get rich quick" schemes or similar letters, schemes or programs.

9.        Gambling

9.1        You must not use the Services for any purpose relating to gambling, gaming, betting, lotteries, sweepstakes, prize competitions or any gambling-related activity that are not in accordance with local legislation.

10.        Monitoring

10.1        You acknowledge that we may actively monitor the Content and the use of the Services.

10.2  Content that violates any articles of this policy remain at odds even when not detected in our monitoring.

11.        Data mining

11.1        You must not conduct any systematic or automated data scraping, data mining, data extraction or data harvesting, or other systematic or automated data collection activity, by means of or in relation to the Services.

12.        Hyperlinks

12.1        You must not link to any material using or by means of the Services that would, if it were made available through the Services, breach the provisions of this Policy.

13.        Harmful software

13.1        The Content must not contain or consist of, and you must not promote or distribute by means of the Services, any viruses, worms, spyware, adware or other harmful or malicious software, programs, routines, applications or technologies.

13.2        The Content must not contain or consist of, and you must not promote or distribute by means of the Services, any software, programs, routines, applications or technologies that will or may have a material negative effect upon the performance of a computer or introduce material security risks to a computer.