Terms of Service

1. Preamble

This Terms of Service agreement (the “Agreement”) governs the use of EazyDraft (the “Website”), and any other Service provided by or on the Website to the User. The Agreement has been entered into between:

1. EazyDraft, a business having its registered office in Bangalore, (the "Owner") and
2. Any natural or legal person, including a vendor, buyer, merchant, browser, and contributor, who accesses the Website or uses its Services (the “User”).

2. Definitions

1. “Affiliates” mean wholly-owned and majority owned subsidiaries of the Owner if any.
2. “Content” includes text, photos, videos, games, music, audio, other media, and third-party content, that is available on the Website.
3. “Products” mean any product developed and offered for sale or rent by the Owner on the Website.
4. “Services” mean the web-pages, Content, Products, technologies, software, and other related features and functionality, whether paid or available for free that the Owner provides on the Website.

3. Representations and Warranties

1. By using the Website, the User represents and warrants that they are legally competent to use the Website and have the legal capacity to enter into the Agreement.
2. The Owner shall not be liable for any misrepresentation of the age of the User.

4. Assent

1. By accessing the website, the User shall be bound by the Agreement, including those terms, conditions, and policies referenced or available through a hyperlink.
2. If the User does not assent to the Agreement, then the User shall leave the Website immediately. The Owner shall provide use of the Website and its Services only if the User assents to the Agreement.

5. License to Use the Website

1. The Owner shall grant the User a non-exclusive, limited, non-transferable, and revocable license to use the Website, its Services, or any other information developed by the Owner that will assist the User while using the Website or its Services, Provided that the license is available in connection with User’s use of the Website or its Services, and is not available for any other purpose.
2. The license, referred to in Section 5.1, will terminate on the termination of this Agreement.

6. Intellectual Property of the Parties

1. The User agrees that the Website and all Services provided by the Owner are the property of the Owner, including all copyrights, trademarks, patents and other intellectual property.
2. The User shall not use, reproduce, or distribute the intellectual property of the Owner in any way, including registration of any new trademarks, trade names, service marks or Uniform Resource Locators (URLs), without express written permission from the Owner.
3. To improve the User’s access to the Website and its Services, the User shall grant the Owner a non-exclusive, transferable, sub-licensable, royalty-free and worldwide license to host, use, distribute, modify, run, copy, publicly perform or display, translate, or create derivative works of the Content that the User publishes, uploads, or otherwise makes available to the Owner and its Affiliates through the Website.
4. The license, referred to in Section 6.3, will terminate once the User’s Content is deleted from the storage system of the Owner.

7. Acceptable Use

1. The User shall not use the Website or its Services, or assist anyone else in using the Website or its Services, for any purpose:
   • That is unlawful, misleading, discriminatory, or fraudulent; or
   • That is obscene or immoral; or
   • That infringes or violates someone else's rights, including their intellectual property rights; or
   • That violates any local, federal, or international law, statute, regulation, or ordinance.
2. The User shall not use the Website or its Services, or assist anyone else in using the Website or its Services:
   • To upload viruses or malicious code; or
   • To send spam or do anything else that could disable, overburden, interfere with or impair the proper working, integrity, operation or appearance of the Services or Website; or
   • To access or collect data from the Website using automated means or attempt to access data that the User do not have permission to access, without the prior permission of the Owner; or
   • To sell, license or purchase any data obtained from the Website or its Services; or
   • To threaten, harass, or abuse any other User, or interfere with the use of the Website or its Services by any other User without any lawful justification; or
   • To engage in any activity that has the effect of threatening, harassing, or abusing any other User, or has the effect of interfering with the use of the Website or its Services by any other User without any lawful justification; or
   • To publish or distribute any obscene or defamatory Content; or
   • To publish or distribute any Content that incites violence, hate, or discriminates against any group or individual; or
   • To engage in or, create any gambling or pyramid scheme; or
   • To circulate Content that is pornographic in nature.

8. Suspension or Termination of Access

1. If the User violates the Agreement, the Owner may suspend the access of the User to the Website and its Services for a period of 6 months. The period will be computed from the day the User is notified of the suspension.
2. The Owner may extend the suspension period beyond the period specified in Section 8.1, if such extension is in the:
   • interest of other Users; or
   • commercial interest of the Owner and its Affiliates; or
   • interest of the proper working, integrity, operation or appearance of the Website or its Services; or
   • interest of public safety or public policy.

     The extension is subject to a Notification that the Owner shall provide at least 10 days prior to the day such extension comes into effect.

     For the purpose of this clause, a “Notification” includes any digital mode of communication, such as an e-mail, or SMS, that notifies or has the effect of notifying the User about the decision of the Owner to extend the suspension period.

3. If the User violates the Agreement after the access has been suspended once, the Owner may permanently terminate the access of the User to the Website or its Services.
4. The Owner shall not suspend or terminate the access of any User to the Website or its Services without providing Due Warning to the User if the User violates the Agreement. For the purpose of this clause, any notification, including an e-mail, or SMS, from the Owner that states why the activity of the User on the Website or in relation to its Services violates the Agreement, will qualify as “Due Warning”.
5. If the User fails to remove any Content or stop any activity that violates the Agreement within 2 days, after the User has been given Due Warning as per Section 8.4, the Owner may suspend or terminate the access of such User, as the case may be.
6. Nothing in the above sections shall prevent the Owner from terminating the access of any User to the Website and its Services at the discretion of the Owner if such termination is in the:
   • interest of other Users; or
   • commercial interest of the Owner and its Affiliates; or
   • interest of the proper working, integrity, operation or appearance of the Website or its Services; or
   • interest of public safety or public policy.
7. If the access of the User is suspended as per Section 8.1, the Owner shall preserve the Content of the User, and therefore copies of all information with regard to the activity of the User on the Website, including the copies of the Content that the User may have uploaded, posted, transmitted, or made available on or through the Website or its Services for the entirety of the suspension period. The Owner shall restore the Content and other data, access to the Website, and access the Services that were available to the User prior to the suspension once the suspension period has elapsed.
8. During the suspension period, the Owner shall not share the Content, or copies of all information with regard to the activity of the User on the Website or in relation to the Services, including the copies of the Content that the User may have uploaded, posted, transmitted, or made available on or through the Website or its Services, with any third-party or any other User, unless required by law.
9. If the access of the User is terminated as per Section 8.3, the Owner may preserve the Content, and therefore copies of all information with regard to the activity of the User on the Website or in relation to the Services, including the copies of the Content that the User may have uploaded, posted, transmitted, or made available on or through the Website or its Services, in accordance with law.
10. After the termination, the Owner may share the Content, or copies of all information with regard to the activity of the User on the Website or in relation to the Services, including the copies of the Content that the User may have uploaded, shared, transmitted, or made available on or through the Website or its Services, with any public authority for a lawful purpose in accordance with law.

9. Limits on Liability

1. The User agrees that the Website and its Services are provided “As is”, and to the extent permissible by law, the Owner does not warrant that:
   • the Website or its Services will always be safe, secure, or error-free; or
   • the Website or its Services will function without disruptions, delays, or imperfections.
2. To the extent permitted by law, the Owner disclaims all warranties, whether express or implied, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
3. The Owner or its Affiliates do not control or direct what other Users do or say. The Owner or its Affiliates are not responsible for the actions or conduct of other Users on the Website or any Content that they share, upload, transmit, or otherwise make available on or through the Website or its Services, including offensive, inappropriate, obscene, unlawful and other objectionable Content.
4. The User agrees that any information posted on the Website or otherwise made available on or through the Website or its Services, is not intended to be legal, medical, or financial advice. The Owner or its Affiliates are not liable for any advice made available on or through the Website or its Services.
5. To the extent permitted by law, the Owner or its Affiliates will not be liable for any lost profits, revenues, information, or data, or consequential, special, indirect, exemplary, punitive or incidental damages arising out of or related to the use of the Website or its Services by the User however caused and on any theory of liability, including negligence, even if the Owner or its Affiliates have been advised of the possibility of such damages.

10. Indemnification

1. The User shall indemnify and hold harmless the Owner or any of its Affiliates, as the case may be, against any and all legal claims and demands, including consequential damages, costs of litigation and execution, and legal fees, which may arise from or relate to the:
   • use of the Website or its Services by the User; or
   • violation of the Agreement by the User; or
   • conduct or actions of the User.

11. Updating the Terms

1. The Owner may update the terms of the Agreement to:
   • accurately reflect the Services and practices of the Owner; or
   • promote a safe and secure experience on the Website and its Services; or
   • comply with applicable law.

     Or if any of the following conditions is satisfied:

   • if the terms are no longer appropriate; or
   • if the terms are incomplete; or
   • if the updates are required for safety and security purposes or to comply with applicable law.
2. The above section is subject to the following conditions:
   • The Owner shall, as far as reasonably possible, ensure that the updates are reasonable and take due account of the interests of the User; and
   • The Owner shall provide a Notification at least 5 days before the terms of the Agreement are updated, unless such updates are required by law.

     For the purpose of this clause, a “Notification” includes any digital mode of communication, such as posting on the website, an e-mail, or SMS, that notifies or has the effect of notifying the User about the decision of the Owner to update the terms of the Agreement.

12. Governing Law and Dispute Resolution

1. The Agreement will be governed by and interpreted in accordance with Indian Law.
2. The Parties shall refer the dispute to arbitration to be governed under the Indian Arbitration and Conciliation Act, 1996 prevailing in force at that time. The number of arbitrators will be three. The Parties will appoint one arbitrator each, and the arbitrators chosen by the Parties will together appoint the third arbitrator.
3. The seat and the venue of arbitration will be Bangalore, India. The language to be used in the arbitral proceedings will be English. The award rendered by the Arbitral Tribunal is final and binding upon the Parties.
4. If either Parties challenges the award rendered by the Arbitration Tribunal, the Parties shall submit to the exclusive jurisdiction of the courts at Bangalore, India.

13. Interpretation

1. The Agreement will be interpreted according to the rules of interpretation laid down in this Clause.
2. If the title or illustrations to the clauses, are in contravention to the clauses of the Agreement, the clauses will take precedence.
3. The word ‘including’ will always mean ‘including, without limitation’.
4. The Owner and the User shall be collectively referred to as the “Parties”.

Data Protection Policy

1. Preamble

This Data Protection Policy (the “Policy”) determines how the Owner of (Variable.A2) (the “Website”), shall collect and process the data provided by the User while using the Website or any other Service provided by or on the Website by the User. The Policy has been entered into between:

• EazyDraft, a business having its registered office in Bangalore, and
• Any natural or legal person, including a vendor, buyer, merchant, browser, and contributor, who accesses the Website or uses its Services (the “User”).

2. Definitions

1. “Affiliates” mean wholly-owned and majority owned subsidiaries of the Owner if any.
2. “Cookie” means small text files with unique identifiers stored on the device of the User to recognise the User when they log-in or access the Website or its Services that may be used by the Owner, its Affiliates, or any third-party.
3. “Data Breach” means compromise of security that leads to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to data of the User stored by the Owner in accordance with this Policy.
4. “Personal Information” includes name, date of birth, residential address, e-mail address, phone number, biometric and health data, race, gender, identification card number, and any other data of the User that makes the User identifiable by or in relation to such data.
5. “Public Information” means any information that the User shares with a public audience on or through the Website and any information that is available or accessible to anyone through online search engines, websites, or any other media.
6. “Services” mean the web-pages, content, products, technologies, software, and other related features and functionality, whether paid or available for free that the Owner provides on the Website.

3. Representation and Warranties

1. The Owner represents and warrants that this Policy is in accordance with the IT Act, 2000 and the rules made thereunder and other national and state laws that relate to the collection, processing, or use of Personal Data.
2. The Owner represents and warrants that the Owner has taken reasonably sufficient means to secure the data of the User from a Data Breach and has employed safe and reliable technology to that end
3. While the Owner is committed to the data security of the User, the Owner does not represent or warrant that the data of the user stored with the Owner is immune to a Data Breach.

4. Consent

1. By using the Website or its Services, the User consents to the Policy and shall be bound by its terms, including those terms, conditions, and policies referenced or available through a hyperlink in this Policy. For the purpose of this section, browsing through the Website or its Services, irrespective of logging in to the Website account or signing up, shall amount to “using the Website or its Services”.
2. If the User does not consent to the Policy, then the User shall leave the Website immediately.

5. Scope

1. This Policy applies to all Personal Data and other data collected from the User by the Owner in accordance with Section 8, Provided that this Policy shall not apply to any Public Information.
2. This Policy applies to all Affiliates of the Owner and Authorized Personnel who have access to the Personal Data and other data of the User, Provided that the Affiliates of the Owner may frame their own data protection policies that shall be in addition, and not in contravention, to this Policy.
3. This Policy does not apply to any other website or online platform belonging to a third-party that is hyperlinked to the Website of the Owner. Such website or online platform belonging to a third-party may be governed by its own data protection policy.

6. Data Stored

1. The Owner may collect and store any of the following data in accordance with this Policy:
   • Personal Information;
   • Behavioural information including information related to how the User interacts with other Users, how the User uses the Services, content browsed by the User on the Website, taste and preferences of the User in relation to the Website or its Services, and the frequency or duration of the activities of the User on the Website;
   • Device information including the Operating System (“OS”) running on the device, hardware version, device settings, file and software names and types, battery and signal strength;
   • Device location, including specific geographic locations, through GPS, Bluetooth, or WiFi signals;
   • Connection information including the name of your mobile operator or Internet Service Provider (“ISP”), browser type, language zone, time zone, mobile phone number, and Internet Protocol (“IP”) address;
   • Payment information including credit or debit card number and other card information, other account and authentication information, billing, shipping and contact details;
   • Information about the User from the Affiliates of the Owner
   • Cookies, in accordance with Section 10
2. The Owner may store the data mentioned in Section 6.1 for the purposes listed in Section 7 and for such period as is necessary to provide Services to the User through the Website in accordance with applicable laws.

7. Purpose

1. The Owner may collect or store the data mentioned in Section 6 for any of the following purposes:
   • To improve the Services offered on or through the Website and the browsing experience of the User;
   • To personalize the Services offered on or through the Website in accordance with the tastes and preferences of the User;
   • To offer new Services or develop new features and functionalities;
   • To communicate with the User, provide customer support, and respond to the comments, requests, or inquiries made by the User;
   • To create and manage the User account on the Website;
   • To send information to the User related to the use of the Website or its Services, including confirmations, invoices, notifications, updates, security alerts, and support and administrative messages;
   • To show relevant ads to the User and measure the effectiveness and reach of ads and Services offered by or on the Website;
   • To communicate about promotions, upcoming events, and news about the Owner and its Affiliates, Website, or the Services offered on or by the Website;
   • To promote safety and security on the Website by investigating suspicious, fraudulent, unauthorized, or illegal activity.

8. Data Collection

1. The Owner may collect the data mentioned in Section 6.1 for the purposes defined in Section 7.1 through any of the following means:
   • Directly from the User through their interaction with the Website or its Services;
   • Through cookies, in accordance with Section 10.
   • Through business interaction with the User or their Employees;
   • Through the Affiliates of the Owner;
   • Through public databases, social media, or other third-party sources that are accessible to anyone;
   • Through third-parties associated with the Owner in relation to the commercial interests of the Website or its services, or in relation to the provision of Services to the user.

9. Data Sharing

1. The Owner may share the data mentioned in Section 6.1 with any of the following:

   • The Affiliates of the Owner
   • Third-parties that perform functions related to the Website on behalf of the Owner, including providing Services, fulfilling orders, sending e-mails or notifications, providing search results, providing customer care, and processing payments;
   • Third-parties that provide technical infrastructure for the Website, conduct research and surveys for the Owner, analyse the use and reach of the Services offered on or by the Website;
   • Third-parties for advertising purposes;
   • Law enforcement agencies and public authorities in response to a legal request, such as a warrant or a court order, in accordance with law;
   • A new owner, if the ownership or control of all or part of the Website or its assets changes.

2. The Owner shall not share any data of the User with a third-party in the absence of a confidentiality agreement between the Owner and such third-party that is consistent with this Policy and any other agreement entered into between the Owner and the User in relation to the use of the Website or its Services.

3. The Owner shall share any data of the User with any of its Affiliates in accordance with their respective data protection policy if any.

4. Notwithstanding anything to the contrary, the Owner shall not share any Personal Information of the User with any third-party for advertising purposes.

5. Notwithstanding anything to the contrary, the Owner shall not share any Personal Information of the User with any third-party or its Affiliates without the consent of the User, other than:

   • to comply with laws or respond to legal requests by lawful authorities; or

   • to protect the rights and commercial interests of the Owner and its Affiliates; or

   • to enforce the agreements entered into by the Owner and the User in relation to the use of the Website or its Services; or

   • in an emergency, including to prevent death or imminent bodily harm;

   • in the interest of the proper working, integrity, operation or appearance of the Website or its Services; or

   • in the interest of public safety or public policy;

   • to a new owner, if the ownership or control of all or part of the Website or its assets changes.

     For the purpose of this Section, the Owner shall request the User for their consent through an e-mail, SMS, or notification, clearly stating the purpose for which the Personal Information of the User is intended to be shared with an Affiliate or third-party.

6. Prior to sharing any data of the User with any third-party or Affiliate in accordance with this Policy, the Owner shall ensure that such third-party or Affiliate:

   • adheres to the data protection principles laid out in the IT Act, 2000 and other applicable laws; and
   • provides at least the same level of privacy protection through safe and reliable technology as is required by such principles.

10. Cookies

1. The Owner may use the following Cookie types when the User accesses the Website or its Services:

   • “Strictly Necessary Cookie” means the Cookie that is essential to provide the Services to the User that cannot be disabled by the User;
   • “Behavioural Cookie” means the Cookie that records behavioural information of the User including information related to how the User interacts with other Users, how the User uses the Services, content browsed by the User on the Website, taste and preferences of the User in relation to the Website or its Services, and the frequency or duration of the activities of the User on the Website;
   • “Advertising Cookie” means the Cookie that records information related to how the User interacts with the Website or its Services for the purpose of advertising by the Owner or a third-party;
   • “Temporary Cookie” means the Cookie that are automatically deleted once the User closes the browser through which the User was accessing the Website or its Services.

2. The Owner may use the Cookies mentioned in Section 10.1 for any of the following purposes:

   • To recognise the User when they log-in to the Website or access the Website or its Services without logging-in;
   • To keep track of the tastes and preferences of the User in order to provide targeted and personalised content on the Website or in relation to the Services;
   • To conduct research and surveys to improve the performance of the Website or its Services;
   • To provide personalised ads relevant to the interests of the User;
   • To prevent any illegal activity and improve security;

3. By accessing the Website, the User consents to the default Cookie settings of the Owner unless the User chooses to customize the Cookie settings in accordance with Section 10.4.

4. The User may customize the Cookie settings on the Website and may disable any or all Cookies including Cookies used by the Affiliates of the Owner, or any third-party. Provided that nothing in this Section shall apply to a Strictly Necessary Cookie. Provided further that changing the Cookie settings from the default settings may affect the features and functionalities of the Website or any of its Services.

5. The Owner may allow any Affiliate or third-party to use Cookies to record any information in relation to the use of the Website or its Services by the User for any purpose mentioned in Section 10.2. Provided that the Owner shall notify the User about which third-parties or its Affiliates use Cookies through the Website or its Services and for what purpose.

11. Updating Personal Information

1. The User may update, change, or correct any Personal Information provided by the User to the Owner in relation to the use of the Website or its Services.
2. The Owner shall update the Personal Information of the User stored in database of the Owner within reasonable time when such an update is made by the User in accordance with Section 11.1.
3. The Owner shall not store or hold copies of any Personal Information once it has been changed or updated by the User.
4. Notwithstanding Section 11.3, the Owner may preserve the unchanged Personal Information of the User if the Owner believes, in good faith, that it is necessary:
   • to detect, prevent and address fraud and other illegal activity; or
   • to protect the rights and commercial interests of the Owner and its Affiliates; or
   • in the interest of the proper working, integrity, operation or appearance of the Website or its Services; or
   • to comply with laws or respond to legal requests by lawful authorities; or
   • to prevent death or imminent bodily harm.

12. Erasing Personal Information

1. The Owner shall erase the Personal Information of the User from its databases and delete all copies:
   • if the User deletes the account; or
   • if the storage of such Personal Information is no longer necessary for the purpose for which it was collected; or
   • if the User makes a Request to the Owner to delete such Personal Information that the User believes, in good faith, is no longer necessary for the purpose for which it was collected;

     For the purpose of this Section, a “Request” means an e-mail sent by the User to the Owner from their registered e-mail address, specifying the type of Personal Information they desire to be erased and the reason for such erasure.

2. Notwithstanding Section 12.1, the Owner may retain the Personal Information of the User for an extended period of time when such Personal Information is subject to a legal request or obligation, governmental investigation, investigations concerning possible violations of the terms and policies of the Website, or otherwise to prevent harm.
3. If the Owner retains any information of the User, other than Personal Information, after the User has deleted their account or such information is no longer necessary for the purpose for which it was initially collected, then the Owner shall ensure that such information does not make the User identifiable.

13. Responsibilities of the User

1. To ensure data protection for all Users and prevent a Data Breach, the User:
   • shall not, to the extent possible, share any Personal Information such as username and password that may be used to gain unauthorised access to the Website or its Services; and
   • shall not engage in or cause someone else to engage in a Data Breach; and
   • shall not use the Website or its Services to threaten the data security of any User.

14. Data Security

1. The Owner shall take reasonable technical and other measures to prevent a Data Breach.
2. To protect the security of the data provided by the User, the Owner uses encrypts the data. It allows the User to transmit sensitive information, including Personal Information and financial information, in a secure manner.
3. The Owner shall maintain physical, electronic, and procedural safeguards in relation to the collection, processing, storage, dissemination, or disclosure of User data.
4. The Owner shall limit the access to the Personal Information of the User to such employee, agent, or third-party that has a legitimate business need for such access.
5. In the event of a Data Breach, the Owner shall notify the User of such Data Breach through a Notification within 7 working days of when such Data Breach comes to the knowledge of the Owner. For the purpose of this clause, a “Notification” includes any digital mode of communication, such as an e-mail, or SMS, that notifies or has the effect of notifying the User about the Data Breach.
6. In the event of a Data Breach, the Owner shall take reasonable steps to minimize the damage to the data resulting from that Breach.
7. The Owner shall review the technical and other measures, physical, electronic, and procedural safeguards employed to secure the data of the User and conduct risk assessment at least once every six months to ensure that the data protection strategy of the Owner is in compliance with the data protection principles laid down in the IT Act, 2000 and other national and state laws.

15. Updating the Policy and Cookie Settings

1. The Owner may update the Policy or the Cookie settings:
   • to accurately reflect the Services and practices of the Owner; or
   • to promote a safe and secure experience on the Website and its Services; or
   • if the updates are required for safety and security purposes or to comply with applicable law; or
   • if the updates are in the commercial interest of the Owner and its Affiliates or in the interest of the proper working, integrity, operation or appearance of the Website or its Services.
2. The above section is subject to the following conditions:
   • The Owner shall, as far as reasonably possible, ensure that the updates are reasonable and take due account of the interests of the User; and
   • The Owner shall provide a Notification at least 2 days before the Cookie settings or terms of the Policy are updated, unless such updates are required by law.

     For the purpose of this clause, a “Notification” includes any digital mode of communication, such as an e-mail, or SMS, that notifies or has the effect of notifying the User about the decision of the Owner to update the Cookie settings or terms of the Policy.

16. Limitation of Liability

To the extent permitted by law, the Owner will not be liable for any loss of use, interruption of business, lost profits, or any indirect, special, incidental, or consequential damages however caused and on any theory of liability, including negligence, or strict liability, which may arise from or relate to a Data Breach or breach of this Policy, even if the Owner has been advised of the possibility of such damages.

17. Indemnification

Each Party shall defend, indemnify, and hold harmless the other Party from and against any liability or damages, including consequential damages, costs of litigation and execution, and legal fees, that may arise as a result of the breach of this Policy by such Party.

18. Governing Law and Dispute Resolution

1. The Policy will be governed by and interpreted in accordance with Indian Law.

2. The Parties shall refer the dispute to arbitration to be governed under the Indian Arbitration and Conciliation Act, 1996 prevailing in force at that time. The number of arbitrators will be three. The Parties will appoint one arbitrator each, and the arbitrators chosen by the Parties will together appoint the third arbitrator.

3. The seat and the venue of arbitration will be Bangalore, India. The language to be used in the arbitral proceedings will be English. The award rendered by the Arbitral Tribunal is final and binding upon the Parties.

4. If either Party challenges the award rendered by the Arbitration Tribunal, the Parties shall submit to the exclusive jurisdiction of the courts at Bangalore, India.

19. Interpretation

1. The Policy will be interpreted according to the rules of interpretation laid down in this Section.

2. If the title or illustrations to the clauses, are in contravention to the clauses of the Policy,the clauses will take precedence.

3. The word ‘including’ will always mean ‘including, without limitation’.

4. The Owner and the User shall be individually referred to as “Party” and collectively referred to as the “Parties”.