PLEASE READ THESE TERMS OF SERVICE CAREFULLY.

1. Acceptance of Terms

This is a contract between you (the Customer) and us (BeyondApplications Ltd.) It describes the services we will provide to you, how we will work together, and other aspects of our business relationship.

Terminology:

"Agreement" means these Customer Terms of Service and all materials referred or linked to in here.

"Organisation", “You” and “Your” refers to you, the person accessing the Service either as a visitor or a member (registered with smart-bill.co.uk).

"The Company", “Ourselves”, “We” and "Us", refers to our Company, Smarter Financial Ltd.

“Party”, “Parties”, or “Us”, refers to both you and ourselves, or either you or ourselves.

“Client Companies” refers to companies that referred you to use our services, as part of a commercial arrangement with Ourselves.

Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to be same.

2. Service Description

We will provide you with access to a variety of services and resources (“Services) to design, build and, manage your technology solutions.This service may also present you with information relating to third party products or services, general tips, recommendations and educational material.

Any 3^rd party companies we use are subject to UK and EU data protection laws and are required to treat your data in accordance with those laws, as well their own Terms of Service and Privacy Policies.

3. Security Terms

We trust you to use our Service responsibly. By using the Service, including features, content and functionality provided by us, you agree to be bound by this Agreement.

Unless otherwise specified, the Services are for organisations use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Services.

In no event shall BeyondApplications be liable for any indirect or consequential damages or any damages resulting from loss of use, data or revenue, whether in action of negligence, performance of software or failure to provide services.

You must not:

• Share your login details with other people. We cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.
• Analyse, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures;
• Forge any IP packet header or any part of the header information in any email or posting, or in any way use the Service to send altered, deceptive or false source-identifying information;

You accept that:

• We reserve the right to suspend or terminate our services for violation of any of the terms above;
• We may temporarily or permanently stop providing the Service, or any features within the Service, to you and may not be able to provide you with prior notice.
• Any alerts provided to you through the Services may be delayed or fail due to any number of reasons. We shall not be liable for any loss or damages, howsoever arising, associated with your use of the service, any report or data except for liability in respect of loss that cannot be limited under English law.

4. Data Protection

We comply with EU data protection laws and as such, any information concerning you is regarded as confidential and therefore will not be divulged to any third party, other than (1) to our affiliates, representatives, agents, service providers and professional advisors to the extent necessary in connection with the provision of the services or (2) if legally required to do so under any applicable law or regulation or by order of any legal, supervisory, regulatory, judicial or governmental authority.

We use collected information for the following general purposes: products and services provision, billing, identification and authentication, services improvement, contact, and market research.

We will not sell, share, or rent your personal information to any third party or use your e-mail address for unsolicited mail. Any emails sent by us will only be in connection with the provision of agreed Services.

5. Modifications

We may periodically revise these Terms of Services. We will update our website and at our sole discretion, will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in the Services or by placing a prominent notice on our site. By continuing to access or use the Service after revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new terms, please stop using the Services.

We reserve the right to modify or discontinue temporarily or permanently, the Service (or any part thereof) with or without notice. We shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of the Service.

We have sole discretion to change to fix, refine or add more features to the Service at anytime and may not give you prior notice. Any new features that augment or enhance the current Service, including the release of new tools and resources, shall be subject to the Terms of Service. Continued use of the Service after any such changes shall constitute your consent to such changes.

6. Disclosure

We may disclose personally identifiable information under special circumstances, such as to comply with subpoenas or when your actions violate the TERMS OF SERVICE.

7. Force Majeure

Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, Political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or man made eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavour to comply with the terms and conditions of any Agreement contained herein.

8. Waiver

Failure of either Party to insist upon strict performance of any provision of this Terms of Service or the failure of either Party to exercise any right or remedy to which they are entitled hereunder shall not constitute a waiver thereof and shall not cause a reduction of the obligations under this Terms of Service.

9. No Warranty

The information on the Service is provided on an "as is" basis and excludes all warranties relating to its website and its contents, including any inaccuracies or omissions in this website and/or literature. Use of the Service is at your own Risk.

The Services exclude all liability for damages arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised the Company of the possibility of such potential loss), damage caused to your computer, computer software, systems and programs and the data thereon or any other direct or indirect, consequential and incidental damages.

We do not warrant that

(I) the service will meet your specific requirements,
(II) the service will be uninterrupted, timely, secure, or error-free,
(III) the results that may be obtained from the use of the service will be accurate or reliable,
(IV) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, and
(V) any errors in the Service will be corrected.

8. 10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, EMPLOYEES OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SERVICE. UNDER NO CIRCUMSTANCES WILL WE BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR ACCOUNT OR THE INFORMATION CONTAINED THEREIN.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY

I. ERRORS, MISTAKES, OR INACCURACIES OF CONTENT;

II. PERSONAL DAMAGE OF ANY NATURE WHATSOEVER RESULTING FROM YOUR ACCESS TO OR USE OF OUR SERVICE;

III. ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN;

IV. ANY INTERRUPTION OR TERMINATION OF TRANSMISSION TO OR FROM THE SERVICE;

V. ANY BUGS or VIRUSES THAT MAY BE TRANSMITTED TO OR THROUGH OUR SERVICE BY ANY THIRD PARTY;

VI. ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICE;

VII. USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. IN NO EVENT SHALL The Company, Its DIRECTORS, EMPLOYEES, or SUPPLIERS, BE LIABLE TO YOU FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING THE AMOUNT YOU PAID TO COMPANY HEREUNDER.

THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF The company HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

The Service is controlled and operated from its facilities in the United Kingdom. We make no representations that the Service is appropriate or available for use in other locations. Those who access or use the Service from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United kingdom laws.