TERMS AND CONDITIONS

Terms and Conditions

 

1. Introduction

1.1     ITB: International Tax Bytes by Steve Towers (“ITB”) is a subscription service that allows Subscribers (and selected other persons) to access a website (www.itbstevetowers.com) (the “ITB Website”), a mobile device application (the “ITB App”), and weekly video podcasts which are released on Fridays (collectively, “ITB Content”) streamed over the internet to computers and mobile devices (iPhone, iPad, and Android devices only).

1.2     ITB Service: The ITB Service is provided by International Insights Pte Ltd (“II”, or “we”, and cognate words).  These Terms & Conditions (“T&C”) govern all use of the ITB Service. As used in these T&C, “ITB Service”, “our Service”, or “the Service” means the service provided by II for accessing and watching the ITB Content, including all features and functionalities, the ITB Website and App, and user interfaces, as well as all content and software associated with the service.

1.3     T&C apply to all visitors: These T&C apply to all visitors to the ITB Website and/or App, regardless of whether the visitors are Subscribers or Subscription Permitted Users or otherwise. Without limiting the generality of the immediately preceding sentence, it is particularly noted that these T&C apply to the Opening Promotion period, to the Free Trial period, and to all Subscription periods.

1.4     Contract: When you access and use the ITB Website and/or App, you affirm that you have read these T&C and our Privacy Policy (which can be viewed on the ITB Website and App) and you agree to be bound and abide by them. THIS IS A CONTRACT BETWEEN YOU AND II – PLEASE READ IT CAREFULLY. IF YOU DO NOT AGREE WITH THESE T&C AND OUR PRIVACY POLICY, YOU MUST NOT ACCESS THE ITB WEBSITE AND APP AND YOU MUST NOT USE THE ITB SERVICE.

1.5     Changes: We reserve the right to change these T&C at any time without prior notice. You can view the most current version of the T&C on the ITB Website and App. Your use of the ITB Website and/or App following any such change constitutes your agreement to follow and be bound by the T&C as changed.

1.6     Derogation: We shall not accept provisions in derogation of these T&C unless we have expressly confirmed them in writing.

1.7     Breaches and threatened breaches: If you breach, or threaten to breach, any of these T&C, we reserve the right to respond to the breach or threatened breach within the terms of the law, and without prior notification. Such response can include termination of your use of the ITB Service, banning of future use, legal redress, or any other action deemed appropriate by us. If we pursue legal redress, we shall be entitled to recover from you all reasonable costs, expenses, and lawyers’ fees incurred in connection therewith.

1.8     Emails: By using the ITB Service, you consent to receive emails from us, which may include “operational” emails that are account or service related. As long as you maintain an account with us, you may not “opt out” of receiving such operational emails from us. Please see “Your Choices” in our Privacy Policy.

2. Subscription

2.1     Subscription periods: ITB has two subscription periods: 6 months and 12 months.

2.1.1    6 months subscriptions: A 6 months subscription period will expire on the day which is the 6 months “anniversary” of the start of the 6 months subscription period. For example, if the 6 months subscription period starts on 10 August 2019, the 6 months subscription period will expire on 10 February 2020. A 6 months subscription includes a minimum of 21 new weekly video podcasts (which are released on Fridays), plus full access to our archive of previous video podcasts (from the start of ITB in 2018). In the very unlikely event that 21 new weekly video podcasts are unable to be made available to a Subscription Permitted User in the relevant 6 months subscription period, we will provide reasonable compensation to the Subscriber – if the Subscriber believes that that situation has occurred, please contact us at billing@internationaltaxbytes.com.

2.1.2     12 months subscriptions: A 12 months subscription period will expire on the day which is the 12 months anniversary of the start of the 12 months subscription period. For example, if the 12 months subscription period starts on 10 August 2019, the 12 months subscription period will expire on 10 August 2020. A 12 months subscription includes a minimum of 42 new weekly video podcasts (which are released on Fridays), plus full access to our archive of previous video podcasts (from the start of ITB in 2018). In the very unlikely event that 42 new weekly video podcasts are unable to be made available to a Subscription Permitted User in the relevant 12 months subscription period, we will provide reasonable compensation to the Subscriber – if the Subscriber believes that that situation has occurred, please contact us at billing@internationaltaxbytes.com.

2.2     Subscriber: A “Subscriber” is an individual person or entity who or which is the party to a Subscription Contract with us.

2.3     Subscription Permitted User: A “Subscription Permitted User” is an individual person who is covered by a current ITB subscription (the “Relevant ITB Subscription”), and who is identified as such in the relevant Subscription Contract with us. A Subscription Permitted User is an individual person who is allowed to access and use the ITB Service under the Relevant ITB Subscription. A Subscription Permitted User must be either: (i) the Subscriber (in regard to the Relevant ITB Subscription), or (ii) in a current business, employment or academic relationship with the Subscriber (in regard to the Relevant ITB Subscription), such as partner, employee, student, or professor. In the case of an Enterprise Subscription (see subsection 2.4 below), there will be two or more Subscription Permitted Users under a single Subscription Contract.

2.4     Enterprise Subscriptions: An “Enterprise Subscription” is a subscription under a Subscription Contract, where there are two or more Subscription Permitted Users.

2.5     Subscription fees: Information on the subscription fees for the ITB Service is available on the ITB Website or App. All subscription fees are denominated in US dollars. The specific subscription fee for a Subscription Contract is stated in the Relevant ITB Invoice. Please see Indirect Tax (subsection 2.12 below).

2.6     Subscription fee changes: We may change the subscription fees for the ITB Service from time to time. Any such change will have effect only in regard to subscription periods which start after we have provided notification of the change. In particular, when we contact the Subscriber two (2) months before the end of the Subscriber’s current subscription period to remind the Subscriber to cancel the subscription if they do not want to renew the subscription (see subsection 2.7 below), we will advise the Subscriber of any change to the subscription fee which will apply to their subscription.

2.7     Cancellation: The Subscriber is permitted to cancel the ITB subscription effective at the end of the current subscription period. The Subscriber will need to notify us of the cancellation via email (see below) no less than thirty (30) days before the end of the current subscription period.  We will acknowledge receipt of the cancellation notice, by immediate return email. Two (2) months before the end of the Subscriber’s current subscription period, we will remind the Subscriber (by email) to cancel the subscription if the Subscriber does not wish to renew the subscription. We do not provide refunds or credits for any partial-year subscription within the current subscription period. To cancel, please email us at billing@internationaltaxbyes.com.

2.8     Orders: All orders for the ITB Service must be made on the ITB Website or App.

2.9     Subscription Contract: A contract (the “Subscription Contract”) will be made when we accept an order. We will advise the Subscriber by email of our acceptance.

2.10     Refusal: We reserve the right to refuse to accept an order for no reason / without cause. We will advise the person who or which made an order within a reasonable time if an order is not accepted by us.

2.11     Non-exclusive, non-transferrable, non-sublicensable and limited licence: During the Relevant ITB Subscription, the Subscription Permitted User will (or will each) have a non-exclusive, non-transferrable, non-sublicensable and limited licence to use the ITB Service only as expressly provided in these T&C. No right, title or interest in or to the ITB Website and/or App, or the ITB Content, is transferred or granted to the Subscriber or (if a different person) the (or a) Subscription Permitted User, and all rights not expressly granted are reserved by us. Please note, in particular, the restrictions on a Subscriber and a Subscription Permitted User (and other persons) described in subsection 6.2 below.

2.12     Indirect Tax: The subscription fee is exclusive of any value added tax, goods and services tax, sales and use tax, digital services tax, or similar indirect taxes (regardless of name) (collectively, “Indirect Tax”) which is levied in regard to the subscription fee. If such Indirect Tax is so levied, it (or, if more than one, they) shall be charged in full, in addition to the subscription fee.

2.13     Incorporation of ITB invoice: The (or, if more than one, each) ITB invoice (which relates to a specific Subscription Contract) (“Relevant ITB Invoice”) is hereby incorporated into these T&C.

2.14     Automatic renewal of subscription, unless cancelled: If a 6 months subscription is not cancelled in accordance with subsection 2.7 (see above), the Subscriber will be deemed to have ordered a new 6 months subscription, which will commence on the day (“Start Date”) immediately following the current subscription period; and the Payment Method (Credit Card), if applicable, will be charged automatically, on the Start Date, for the subscription fee (and Indirect Tax, if any) for that new 6 months subscription. If a 12 months subscription is not cancelled in accordance with subsection 2.7 (see above), the Subscriber will be deemed to have ordered a new 12 months subscription, which will commence on the day (“Start Date”) immediately following the current subscription period; and the Payment Method (Credit Card), if applicable, will be charged automatically, on the Start Date, for the subscription fee (and Indirect Tax, if any) for that new 12 months subscription.

2.15     Payment Methods: ITB has two payment methods : credit card and bank transfer. Subscribers can change their Payment Method by visiting the ITB Website and/or App and clicking on the “My Account” link.

2.15.1     Credit Card: We accept Visa, Mastercard, American Express, Discover, Diners Club and JCB credit cards only. When you provide us with the details of your Payment Method (Credit Card), you authorise us to charge (and, in the case of subscription renewals, continue to charge) the relevant subscription fee (and Indirect Tax, if any) to that Payment Method (Credit Card). If a payment is not successfully and fully settled, due to expiration, insufficient funds, or otherwise, and you do not change your Payment Method (Credit Card), we may suspend your access to the ITB Service until you have provided to us a valid and effective Payment Method (Credit Card). For some credit cards, the issuer may charge certain fees, such as foreign exchange transaction fees or other fees relating to the processing of your Payment Method (Credit Card). Local tax charges may vary, depending on the Payment Method (Credit Card) used. Please check with your Payment Method (Credit Card) service provider for details.

2.15.2     Bank Transfer: The full subscription fee (and Indirect Tax, if any) must be received into our bank account within fourteen (14) days after we send our email of acceptance (see subsection 2.9 above). If that does not occur, we may suspend your access to the ITB Service until you have provided us with the full subscription fee (and Indirect Tax, if any). Your bank might charge certain fees, such as foreign exchange processing fees and other fees relating to the bank transfer. Please check with your bank for details.

2.16     Start of subscription: All subscriptions will start on the day on which we send our email of acceptance (see subsection 2.9 above).

2.17     Registration: The (or, if more than one, each) Subscription Permitted User will need to register. Please see section 5 below in regard to user name and password.

3. Opening Promotion

3.1     Opening Promotion: September, October, and November 2018 is the Opening Promotion period. During this period, access will be allowed to the ITB Content without charge.

3.2     T&C apply: These T&C (and, in particular, sections 6, 7, 8, and 9) fully apply during the Opening Promotion period.

4. Free Trial

4.1     Free Trial: A “once only” Free Trial period will be available, and will be launched in 2019. The Free Trial period lasts for one (1) month and is intended for you to try the service. During the Free Trial period, you can watch new video podcasts issued in that one (1) month, and all available archives. Only one (1) Free Trial period will be available for each individual person.

4.2     Email address: A business, corporate, government, or university email account must be used to sign up for the Free Trial. This is to protect us against repetitive Free Trial attempts by using web-based email accounts such as Hotmail, Yahoo, Gmail, Outlook.com, iCloud.com, etc.

4.3     Eligibility: Free Trial eligibility is determined by us at our sole discretion and we may limit eligibility to prevent Free Trial abuse or other reasons. We reserve the right to revoke the Free Trial and put your account on hold in the event that we determine that you are not eligible. We may use information such as device ID, method of payment or an account email address used with an existing ITB subscription to determine eligibility.

4.4     T&C apply: These T&C (and, in particular, sections 6, 7, 8, and 9) fully apply during the Free Trial period.

4.5     Registration: You will need to register for the Free Trial. Please see section 5 below in regard to user name and password.

5. User Name and Password

5.1     User name, password, etc.: Subscription Permitted Users and persons undertaking Free Trials, are required to register to access the ITB Service. As part of the registration, you must choose, or we will provide you with, a user name, password or other information as part of our security procedures. You must treat such information as confidential, and you must not disclose it to any other person. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the ITB Service using your user name, password or other security information. You agree to notify us immediately of any unauthorised access to or use of your user name or password or any other breach of security. You also agree to exit from your account at the end of each session. You also agree to use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. We may require you to change your password if it has been compromised, or from time to time as a security measure.

6. Intellectual Property

6.1     Copyright: The ITB Content is protected by copyright, which is owned solely by II.

6.2     Use of ITB Content: You may use the ITB Content solely for your own personal use and benefit and not for resale or other transfer or disposition to any other person. You shall not reproduce, copy, record, photograph, screenshot, store in any retrieval system, download, torrent, frame, hyperlink, publish, post, modify, transfer, exploit, share, distribute, or dispose of any ITB Content (with or without consideration), which in any way infringes our copyright, without our express prior written permission. You shall not use the ITB Content in any manner that might compete with, or adversely affect, our business (including, without limitation, by making the ITB Content available to any other person where such content is accessible through subscription only), except with our express prior written permission.

6.3     Service marks and logo: The service marks, “International Tax Bytes by Steve Towers” and “ITB”, and the “ITB” logo, are the property solely of II. You shall not use these marks and/or logo without our express prior written permission.

6.4     Music and VFX: The ITB Content contains music and visual effects (“VFX”), the copyright for which is owned solely by II. You shall not copy that music and/or VFX, in whole or in part, without our express prior written permission.

7. Your Obligations and Aknowledgements

7.1     Age: The ITB Website and App are not intended for users under eighteen (18) years of age and such individuals are not permitted to be subscribers. If individuals under eighteen (18) years of age wish to subscribe, their parent or guardian must agree to these T&C on their behalf.

7.2     Your undertakings: You undertake that you will:

  1. Comply with all applicable laws in relation to the ITB Website, App, and Service, including (without limitation) laws relating to the use of intellectual property;
  2. Not use the ITB Website or App or the ITB Content, in any way which breaches section 6 above, nor infringe any intellectual property or other rights in or relating to the ITB Website or App or the ITB Content or of any third party;
  3. Not use the service marks, “International Tax Bytes by Steve Towers” or “ITB”, or the ITB logo, in any way which breaches section 6 above;
  4. Not prevent or restrict, or in any way interfere with, the operation of the ITB Website or App or the ITB Service, including conduct which restricts or inhibits other users’ use or enjoyment of the ITB Website or App or the ITB Service, nor hack into or cause damage to any server or other equipment operated by us or on our behalf;
  5. Not “frame” or “mirror” all or any part of the ITB Website and/or App;
  6. Not use any automated software program, spider, scraper, web-crawler, URL checker, robot, or other type of site search tool or other automated means to retrieve, index, data mine or otherwise access the ITB Website and/or App, or reproduce any ITB Content;
  7. Not use any automated software to access, download, or reproduce, in whole or in part, the ITB Website and/or App or the ITB Content;
  8. Not introduce any viruses, “Trojan horses”, worms, or other material which is malicious or technologically harmful, or attack the ITB Website and/or App via a denial of service attack or a distributed denial of service attack;
  9. Not attempt to gain unauthorised access to the ITB Website, App or Service;
  10. Not attempt to obtain more than one (1) Free Trial; and
  11. Comply fully with these T&C.

7.3     Equipment and telephone, etc.: You are responsible for procuring the necessary equipment and the payment of telephone, internet and other charges necessary to access and/or use the ITB Website, App, and Service. You acknowledge that we are not responsible for the reliability or continued availability of the telephone lines, internet and equipment you use to access and/or use the ITB Website, App, and Service.

7.4     Quality of vision and audio: You acknowledge that the quality of the vision and audio of the ITB Content may vary from device to device, and may be affected by a variety of factors, such as your location and the bandwidth available through and/or speed of your internet connection.

7.5     Software: The ITB software (e.g., video player) is developed by, or for, us and is designed to enable viewing of the ITB Content through computers and mobile devices (iPhone, iPad, and Android devices only). The ITB software may vary by device and medium, and functionalities and features may also differ between devices. You acknowledge that the use of the ITB Service may require third party software that is subject to third party licences. You agree that you may automatically receive updated versions of the ITB and related third-party software.

7.6     Linking to the ITB Website: You may provide links to the publicly available parts of the ITB Website which are not password protected, provided that you do so in a way that is fair and legal and does not damage ITB’s reputation or take advantage of it. However, you shall not create a link which suggests any form of association, approval or endorsement by us without our express prior written permission. Moreover, you shall discontinue providing links to the ITB Website, if notified to do so by us.

8. Liability

8.1     Not legal, etc. advice: The ITB Content is made available solely for general information purposes. The ITB Content is not provided by us as legal, accounting, tax, financial or other professional advice, opinion, or recommendation, and it shall not be used as such. If legal or other professional assistance is required, you should seek the services of a competent professional.

8.2     No reliance, no warranties: You use the ITB Content strictly at your own risk. You should not rely on all or any part of the ITB Content in making decisions to take action, or inaction, in regard to tax or other matters. The ITB Service is provided “as is” and “as available”. II, its employees and directors (collectively, the “II Parties”) do not represent, warrant or guarantee the accuracy, completeness, usefulness, or timeliness of all or any part of the ITB Content, and the II Parties do not represent, warrant or guarantee that the ITB Content will meet your needs or expectations. The II Parties disclaim all liability and responsibility arising from any reliance on all or any part of the ITB Content. The II Parties disclaim all warranties of any kind, whether express or implied, statutory, or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for a particular purpose or use.

8.3     Accessibility, etc. of ITB Service: The II Parties do not represent or warrant that the ITB Service will always be accessible, or that it will be error-free, complete, secure, reliable, or accurate. Although we aim to provide access to the ITB Service twenty-four (24) hours per day, every day, the II Parties are not liable for periods of non-accessibility and the II Parties shall not be liable for any damage caused by a malfunction or a period when the ITB Service is not operative, except as indicated in this subsection 8.3. If access to all or part of the ITB Service is not possible as a result of a system breakdown or malfunctioning of II online hardware and/or software infrastructure, II will make all necessary efforts to solve this problem. II will inform all affected subscribers if the access problem cannot be resolved within seventy-two (72) hours after discovery of the non-accessibility by II. If access cannot be restored during the following seventy-two (72) hours, all affected subscribers will be entitled to terminate their contract with II – in which case, II will refund the proportion of the subscription fee which relates to the remaining months. However, termination of the contract and refund of the proportion of the subscription fee are not possible in the case of Force Majeure (see section 10 below).

8.4    Compatibility: The II Parties do not represent, warrant or guarantee that the ITB Service is compatible with your computer/device.

8.5     Viruses, etc.: The II Parties do not represent, warrant or guarantee that the interactions between your computer/device and the ITB Website and/or App, or any linked website or resources, will not expose your computer/device to viruses, other malicious code, unauthorised access, or other security breaches. You are responsible for implementing appropriate and sufficient anti-virus and similar protection for your computer/device. The II Parties will not be liable for any loss or damage caused by any such security breach, a denial of service attack, a distributed denial of service attack, viruses or other technologically harmful material which might infect your computer/device due to interactions with the ITB Website or App or with any linked website or resources.

8.6     Linked websites and resources: The ITB Website and App might contain links to other websites and resources provided by third parties. If so, these links are provided for your convenience only. The II Parties have no control over the availability, content or accuracy of those websites or resources, and the II Parties accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites or resources linked to the ITB Website and/or App, you do so entirely at your own risk and subject to the terms and conditions of use for such websites and resources.

8.7     Liability: The II Parties shall not be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the ITB Service, any linked websites or resources, all or any part of the ITB Content, or all or any part of the content on any linked websites or resources, including any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including but not limited to personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable and even if the II Parties have been advised specifically of the possibility of such damages.

8.8     Limitation of exclusions: The foregoing does not affect any warranty or liability which cannot be excluded under applicable law.

8.9     Sole and exclusive remedy: Notwithstanding the foregoing, your sole and exclusive remedy, and the II Parties’ entire liability, shall be a refund of your subscription fee (if any) for the subscription period in which the event (giving rise to such claim) occurs, or alternatively five hundred US dollars (US$500), whichever is the higher.

8.10     Deadline: No action, regardless of form, arising out of or pertaining to the ITB Service, may be brought by you more than 12 months after the event (giving rise to such claim) occurs.

8.11     Indemnity: You agree to defend, indemnify and hold harmless the II Parties against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable lawyers’ fees) directly or indirectly arising out of, relating to, or caused by your breach of these T&C.

9. Privacy Policy

9.1     Privacy Policy: The most current version of our Privacy Policy is hereby incorporated into these T&C. It can be viewed on the ITB Website and App.

10. Force Majeure

10.1     Force Majeure: We shall not be liable for any default resulting from Force Majeure.

10.2     Definition: The term, “Force Majeure”, shall include, but shall not be limited to, war, threat of war, strike, government measures, business interruption, internet interruption, natural disaster, earthquake, epidemic, fire, flood, and all other circumstances beyond our reasonable control.

11. Governing Law & Exclusive Jurisdiction

11.1     Governing Law & Exclusive Jurisdiction: These T&C shall be governed by and construed in accordance with the laws of Singapore. All disputes between the parties shall be subject to the exclusive jurisdiction of the courts of Singapore. You waive all objections to the exercise of jurisdiction over you by such courts and to venue in such courts. In particular, you agree not to assert a defence of forum non conveniens, sovereign immunity, Act of State, or analogous doctrines in connection with any such action.

12.  Invalid Terms

12.1     Invalid, etc. terms: If any part of these T&C is determined by a competent authority to be invalid, illegal or unenforceable for any reason, such part shall be severed from the remaining T&C, which shall continue to be valid and enforceable to the fullest extent permitted by law.

13. No Waiver

13.1     No waiver: If we waive any term or condition in these T&C or fail to assert a right or provision in these T&C, it will not be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, nor will it constitute a waiver of such right or provision.

14. Third Party Rights

14.1     Third party rights: Except in regard to section 8 (where there are provisions for the benefit of the II Parties), a person who is not a party to a contract which includes these T&C has no right under the Contracts (Rights of Third Parties) Act, Chapter 53B of Singapore to enforce or enjoy the benefit of these T&C. Notwithstanding any provision in these T&C, the consent of any third party is not required for any change (including any release or compromise of any liability under) or termination of any contract which includes these T&C.

15. Survivability

15.1     Survivability: The obligations, acknowledgements, representations, warranties, indemnities, limitations, and rights which are contained in sections 6, 7, 8, and 9 shall survive the termination of any contract which includes these T&C.

16. Assignment

16.1     Assignment: You may not assign these T&C or the rights hereunder without our express prior written permission.

17. Entire Agreement

17.1     Entire agreement: These T&C, the Privacy Policy, and (if applicable) the Relevant II Invoice constitute the sole and entire agreement between you and us with respect to the ITB Service, and supersede all prior and contemporaneous understandings, agreements, representations and warranties, whether written and/or oral, between you and us.

18. Other

18.1     Definitions: The following definitions are used in these T&C:

(a) “Enterprise Subscription” is defined in subsection 2.4;

(b) “Free Trial” means the “once only” free trial period, which is described in section 4;

(c) “Force Majeure” is defined in subsection 10.2;

(d) “II” and “we” (and cognate words) mean International Insights Pte Ltd, a limited liability company formed under the laws of Singapore, and which has its registered office at 140 Robinson Road, #01-01 Crown at Robinson, Singapore 068907;

(e) “II Parties” means II, its employees and directors;

(f) “Indirect Tax” means value added tax, goods and services tax, sale and use tax, or similar indirect taxes (regardless of name);

(g) “ITB” means International Tax Bytes by Steve Towers, a subscription service;

(h) “ITB App” means the mobile device application which relates to ITB;

(i) “ITB Content” means the ITB Website, the ITB App, and weekly video podcasts which are released on Fridays;

(j) “ITB Service”, “our Service”, and “the Service” mean the service provided by II for accessing and watching the ITB Content, including all features and functionalities, the ITB Website and App, and user interfaces, as well as all content and software associated with the service;

(k) “ITB Website” means the internet website, www.itbstevetowers.com;

(l) “Opening Promotion” means the period (being September, October, and November 2018) during which access will be allowed to the ITB Content without charge;

(m) “Payment Method” means, in regard to a Subscriber, the specific method of payment for the ITB subscription fee (and Indirect Tax, if any) and which is either by credit card or bank transfer;

(n) “Payment Method (Credit Card)” means, in regard to a Subscriber, the specific credit card which is that Subscriber’s Payment Method;

(o) “Privacy Policy” means our Privacy Policy, which can be viewed on the ITB Website and App;

(p) “Relevant ITB Invoice” means the (or, if more than one, each) ITB invoice which relates to a specific Subscription Contract;

(q) “Relevant ITB Subscription” means the current ITB subscription under a Subscription Contract;

(r) “Start Date” is defined in subsection 2.14;

(s) “Subscriber” is an individual person or entity who or which is the party to a Subscription Contract with us;

(t) “Subscription Contract” is the contract which is made when we accept an order for the ITB Service; and

(p) “Subscription Permitted User” is defined in subsection 2.3.

Last Updated: 15 November 2018