Terms & Conditions

OZEX TOKEN SALE TERMS AND CONDITIONS

The following Terms and Conditions (“Terms“) govern your (“you” or the “Purchaser”) purchase of cryptographic tokens (“OZEX”) from OZEX, OZEX Project (the “Company”). Each of you and the Company is a “Party​” and, together, the “Parties​” to these Terms. This document is not a solicitation for investment and does not pertain in any way to an offering of securities in any jurisdiction. This document describes the OZEX token sale.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT PURCHASE OZEX FROM THE COMPANY. BY PURCHASING OZEX FROM THE COMPANY, YOU WILL BE BOUND BY THESE TERMS AND ANY TERMS INCORPORATED BY REFERENCE. IF YOU HAVE ANY QUESTIONS REGARDING THESE TERMS, PLEASE CONTACT THE COMPANY AT info@ozex.io. By purchasing OZEX, and to the extent permitted by law, you are agreeing not to hold any of the Company and its respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (the “OZEX Team​”) liable for any losses or any special, incidental, or consequential damages arising from, or in any way connected, to the sale of OZEX, including losses associated with the terms set forth below.

DO NOT PURCHASE OZEX IF YOU ARE NOT AN EXPERT IN DEALING WITH CRYPTOGRAPHIC TOKENS AND BLOCKCHAIN-BASED SOFTWARE SYSTEMS. PRIOR TO PURCHASING OZEX, YOU SHOULD CAREFULLY CONSIDER THE TERMS LISTED BELOW AND, TO THE EXTENT NECESSARY, CONSULT AN APPROPRIATE LAWYER, ACCOUNTANT, OR TAX PROFESSIONAL. IF ANY OF THE FOLLOWING TERMS ARE UNACCEPTABLE TO YOU, YOU SHOULD NOT PURCHASE OZEX.

PURCHASES OF OZEX SHOULD BE UNDERTAKEN ONLY BY INDIVIDUALS, ENTITIES, OR COMPANIES THAT HAVE SIGNIFICANT EXPERIENCE WITH, AND UNDERSTANDING OF, THE USAGE AND INTRICACIES OF CRYPTOGRAPHIC TOKENS, INCLUDING ETHEREUM TOKENS, AND BLOCKCHAIN BASED SOFTWARE SYSTEMS. PURCHASERS SHOULD HAVE A FUNCTIONAL UNDERSTANDING OF STORAGE AND TRANSMISSION MECHANISMS ASSOCIATED WITH OTHER CRYPTOGRAPHIC TOKENS. WHILE THE COMPANY WILL BE AVAILABLE TO ASSIST PURCHASERS OF OZEX DURING THE SALE, THE COMPANY WILL NOT BE RESPONSIBLE IN ANY WAY FOR LOSS OF BTC, ETH OR OZEX RESULTING FROM ACTIONS TAKEN BY, OR OMITTED BY PURCHASERS. IF YOU DO NOT HAVE SUCH EXPERIENCE OR EXPERTISE, THEN YOU SHOULD NOT PURCHASE OZEX OR PARTICIPATE IN THE SALE OF OZEX. YOUR PARTICIPATION IN OZEX SALE IS DEEMED TO BE YOUR UNDERTAKING THAT YOU SATISFY THE REQUIREMENTS MENTIONED IN THIS PARAGRAPH.

PURCHASER AGREES TO BUY, AND COMPANY AGREES TO SELL, THE OZEX TOKENS IN ACCORDANCE WITH THE FOLLOWING TERMS:

 

  1. Conditions to OZEX token sale

YOU MAY NOT MAKE A ACQUIRE A OZEX TOKEN IF YOU ARE A CITIZEN, RESIDENT (TAX OR OTHERWISE) OR GREEN CARD HOLDER OF THE UNITED STATES OF AMERICA, OR A CITIZEN OR RESIDENT OF THE REPUBLIC OF SOUTH AFRICA, OR THE CAYMAN ISLANDS.

When you purchase, or otherwise receive, a OZEX token, you may only do so by accepting the following conditions and, by doing so, you warrant and represent that the following are a true and accurate reflection of the basis on which you are acquiring the OZEX tokens:

  • neither the Company nor any of the OZEX Team has provided you with any advice regarding whether OZEX is a suitable investment for you;
  • you have sufficient understanding of the functionality, usage, storage, transmission mechanisms and intricacies associated with cryptographic tokens, such as Bitcoin and Ether, as well as blockchain-based software systems generally;
  • you are legally permitted to receive and hold and make use of OZEX in your and any other relevant jurisdiction;
  • you will supply us with all information, documentation or copy documentation that we require in order to allow us to accept your purchase of OZEX and allocate OZEX to you;
  • you have not supplied us with information relating to your acquisition of OZEX or otherwise which is inaccurate or misleading;
  • you will provide us with any additional information which may be reasonably required in order that we can fulfil our legal, regulatory and contractual obligations, including but not limited to any anti-money laundering obligation;
  • you will notify us promptly of any change to the information supplied by you to us;
  • you are of a sufficient age (if an individual) to legally obtain OZEX, and you are not aware of any other legal reason to prevent you from obtaining OZEX;
  • you take sole responsibility for any restrictions and risks associated with receiving and holding OZEX, including but not limited to these set out in Annex A;
  • by acquiring OZEX, you are not making a regulated investment, as this term may be interpreted by the regulator in your jurisdiction;
  • you are not obtaining or using OZEX for any illegal purpose, and will not use OZEX for any illegal purpose;
  • you waive any right you may have / obtain to participate in a class action lawsuit or a class wide arbitration against any entity or individual involved with the sale of OZEX;
  • your acquisition of OZEX not involve your purchase or receipt of shares, ownership or any equivalent in any existing or future public or private company, corporation or other entity in any jurisdiction;
  • to the extent permitted by law and provided we act in good faith, the Company makes no warranty whatsoever, either expressed or implied, regarding the future success of OZEX and/or the Ethereum Network;
  • you accept that OZEX is created and you obtain OZEX on an “as is” and “under development” basis. Therefore, provided the Company acts in good faith, you accept that the Company is providing OZEX without being able to provide any warranties in relation to OZEX, including, but not limited to, title, merchantability or fitness for a particular purpose;
  • you accept that you bear sole responsibility for determining if (i) the acquisition, the allocation, use or ownership of OZEX (ii) the potential appreciation or depreciation in the value of OZEX over time, if any, (iii) the sale and purchase of OZEX; and/or (iv) any other action or transaction related to OZEX has tax implications.

 

  1. Overview of OZEX sale

OZEX is required for proper operation and comprehensive utilization of OZEX (as defined in the white paper (the “White Paper”) provided at https://ozex.io (the “Website”) as of the date the Purchaser acquires OZEX token). After the OZEX sale, each OZEX is backed by the purchase of the underlying assets, as described in the White Paper. To the extent they do not contradict these Terms, the rights connected to OZEX are subject to the limitations set out in the White Paper, but this should in no case create obligations for the Company in addition to the ones contained in these Terms. The Company reserves the right to circumvent the algorithm used to select the underlying assets if it believes, in its sole discretion, that such selected underlying assets could adversely affect the Company or OZEX from a regulatory or legal perspective. The Company shall have the right to sell any such underlying assets (if already part of OZEX portfolio) and block their acquisition.

The maximum total amount of OZEXs to be issued is 300,000,000,000. OZEXs are generated as Purchasers buy them and the total supply of OZEXs will be fixed after the end of the OZEX ICO sale. No more OZEXs will be issued after the end of the OZEX sale, as described in the preceding paragraph. Ownership of OZEX during the OZEX token sale carries no rights express or implied. Purchases of OZEX are non-refundable.

The anticipated distribution of the OZEX tokens is as follows:

  • 21Billion – Crowd Sale
  • 1.5 Billon – Development
  • 2.5 Billion – Private Sale
  • 500 Million – Bounty
  • 2.5 Billion – Partners & Advisory
  • 2 Billion – Reserve Fund

 

  1. OZEX Price

Purchasers in the OZEX token sale will be allocated their OZEX tokens in exchange for ETH at the following rate:

  • For the first 24hours 19th Apr 2018 : 163,868.9 OZEX tokens against 1 ETH;
  • for the second 24hours 20th Apr 2018 : 151,263.6 OZEX tokens against 1 ETH;
  • for the third 24hours 21st Apr 2018: 138,658.3 OZEX tokens against 1 ETH;
  • from 22nd Apr 2018 01:00GMT, 126,053; and
  • during the period of OZEX ICO : US$ 0.01 per OZEX token.

The US Dollars to ETH exchange rate is used to dynamically set the ETH to OZEX rate. As a result, for the duration of the OZEX sale, the price to purchase a OZEX will be set as an amount in ETH.

Purchaser must have an MyEtherWallet in order to receive any OZEX purchased from the Company.

 

  1. After the OZEX Token Sale

The Purchasers should have no expectation of influence over governance of the Company.

Upon the conclusion of a successful OZEX sale, the digital assets backing each OZEX token will be transparently purchased.

The Company will provide you with an official and regular audit conducted on the existence of the digital assets backing each OZEX token. Through this audit, you can track and confirm that the digital assets backing your OZEX have been received and acquired. Access to the audit results does not constitute a OZEX purchase receipt or indicate in any way that the party possessing such access has rights to or ownership of the purchased OZEX tokens.

Prior to a Purchaser selling OZEX after the OZEX token sale completion, such Purchaser shall ensure that the buyer of any such OZEX undertakes to comply with all the provisions of these Terms as if such person were a Purchaser in the OZEX token sale.

 

  1. The Company Will Not Purchase OZEX During the OZEX Sale

The Company warrants that neither it nor its shareholders will purchase OZEX during the OZEX sale. Furthermore, the Company warrants that neither it nor its shareholders will purchase OZEX from any third party during the period of the OZEX sale.

 

  1. All purchases of OZEX are final

ALL PURCHASES OF OZEX ARE FINAL. PURCHASES OF OZEX ARE NON-REFUNDABLE. BY PURCHASING OZEX, THE PURCHASER ACKNOWLEDGES THAT NEITHER THE COMPANY NOR ANY OF ITS AFFILIATES, DIRECTORS OR SHAREHODELRS ARE REQUIRED TO PROVIDE A REFUND FOR ANY REASON.

IF THE COMPANY BELIEVES, IN ITS SOLE DISCRETION, THAT ANY INDIVIDUALS OR ENTITIES OWNING OZEX CREATES MATERIAL REGULATORY OR OTHER LEGAL RISKS OR ADVERSE EFFECTS FOR THE COMPANY AND/OR OZEX, THE COMPANY RESERVES THE RIGHT TO: (A) BUY ALL OZEX FROM SUCH OZEX OWNERS AT THE THEN-EXISTING MARKET PRICE AND/OR (B) SELL ALL CRYPTOCURRENCY ASSETS OF THE COMPANY.

 

  1. Privacy

The Purchasers may be contacted by email by the Company. Such emails will be informational only. The Company will not request any information from Purchasers in an email.

 

  1. Disclaimer of Warranties

THE PURCHASER EXPRESSLY AGREES THAT THE PURCHASER IS PURCHASING OZEX AT THE PURCHASER’S SOLE RISK AND THAT OZEX IS PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE (EXCEPT ONLY TO THE EXTENT PROHIBITED UNDER APPLICABLE LAW WITH ANY LEGALLY REQUIRED WARRANTY PERIOD TO THE SHORTER OF THIRTY DAYS FROM FIRST USE OR THE MINIMUM PERIOD REQUIRED). WITHOUT LIMITING THE FOREGOING, NONE OF THE OZEX TEAM WARRANTS THAT THE PROCESS FOR PURCHASING OZEX WILL BE UNINTERRUPTED OR ERROR-FREE.

 

  1. Limitations Waiver of Liability

THE PURCHASER ACKNOWLEDGES AND AGREES THAT, TO THE FULLEST EXTENT PERMITTED BY ANY APPLICABLE LAW, THE DISCLAIMERS OF LIABILITY CONTAINED HEREIN APPLY TO ANY AND ALL DAMAGES OR INJURY WHATSOEVER CAUSED BY OR RELATED TO (i) USE OF, OR INABILITY TO USE, OZEX OR (ii) THE OZEX TEAM UNDER ANY CAUSE OR ACTION WHATSOEVER OF ANY KIND IN ANY JURISDICTION, INCLUDING, WITHOUT LIMITATION, ACTIONS FOR BREACH OF WARRANTY, BREACH OF CONTRACT OR TORT (INCLUDING NEGLIGENCE) AND THAT NONE OF THE OZEX TEAM SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING FOR LOSS OF PROFITS, GOODWILL OR DATA, IN ANY WAY WHATSOEVER ARISING OUT OF THE USE OF, OR INABILITY TO USE, OR PURCHASE OF, OR INABILITY TO PURCHASE, OZEX, OR ARISING OUT OF ANY INTERACTION WITH THE SMART CONTRACT IMPLEMENTED IN RELATION TO OZEX. THE PURCHASER FURTHER SPECIFICALLY ACKNOWLEDGES THAT THE OZEX TEAM IS NOT LIABLE FOR THE CONDUCT OF THIRD PARTIES, INCLUDING OTHER PURCHASERS OF OZEX, AND THAT THE RISK OF PURCHASING AND USING OZEX RESTS ENTIRELY WITH THE PURCHASER. TO THE EXTENT PERMISSIBLE UNDER APPLICABLE LAWS, UNDER NO CIRCUMSTANCES WILL ANY OF THE OZEX TEAM BE LIABLE TO ANY PURCHASER FOR MORE THAN THE AMOUNT THE PURCHASER HAVE PAID TO THE COMPANY FOR THE PURCHASE OF OZEX. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES. THEREFORE, SOME OF THE ABOVE LIMITATIONS IN THIS SECTION AND ELSEWHERE IN THE TERMS MAY NOT APPLY TO A PURCHASER. IN PARTICULAR, NOTHING IN THESE TERMS SHALL AFFECT THE STATUTORY RIGHTS OF ANY PURCHASER OR EXCLUDE INJURY ARISING FROM ANY WILFUL MISCONDUCT OR FRAUD OF THE OZEX TEAM.

 

  1. Complete Agreement

These Terms set forth the entire understanding between the Purchaser and the Company with respect to the purchase and sale of OZEX. For facts relating to the sale and purchase, the Purchaser agrees to rely only on the Terms in determining purchase decisions and understands that the Terms govern the sale of OZEX and supersede any public statements about the OZEX token sale made by third parties or by the OZEX Team or individuals associated with any of the OZEX Team, past and present and during the OZEX token sale.

 

  1. Severability

The Purchaser and the Company agree that if any portion of these Terms is found illegal or unenforceable, in whole or in part, such provision shall, as to such jurisdiction, be ineffective solely to the extent of such determination of invalidity or unenforceability without affecting the validity or enforceability thereof in any other manner or jurisdiction and without affecting the remaining provisions of the Terms, which shall continue to be in full force and effect.

 

  1. No Waiver

The failure of the Company to require or enforce strict performance by the Purchaser of any provision of these Terms or the Company’s failure to exercise any right under these Terms shall not be construed as a waiver or relinquishment of the Company’s right to assert or rely upon any such provision or right in that or any other instance. The express waiver by the Company of any provision, condition, or requirement of these Terms shall not constitute a waiver of any future obligation to comply with such provision, condition or requirement. Except as expressly and specifically set forth in these Terms, no representations, statements, consents, waivers, or other acts or omissions by the OZEX Team shall be deemed a modification of these Terms nor be legally binding.

 

  1. Updates to the Terms

The Company reserves the right, at its sole discretion, to change, modify, add, or remove portions of the Terms at any time during the sale by posting the amended Terms on the Website. Any Purchaser will be deemed to have accepted such changes by purchasing OZEX. The Terms may not be otherwise amended except by express consent of both the Purchaser and the Company.

 

  1. Cooperation with Legal Authorities

The Company will cooperate with all law enforcement enquiries, subpoenas, or requests provided they are fully supported and documented by the law in the relevant jurisdictions.

 

  1. Indemnification

To the fullest extent permitted by applicable law, you will indemnify, defend and hold harmless the OZEX Team from and against all claims, demands, actions, damages, losses, costs and expenses (including attorneys’ fees) that arise from or relate to: (i) your purchase or use of OZEX; (ii) your responsibilities or obligations under these Terms; (iii) your violation of these Terms; or (iv) your violation of any rights of any other person or entity.

 

The Company reserves the right to exercise sole control over the defense, at your expense, of any claim subject to indemnification under this Section 15. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and the Company.

 

  1. Security

You are responsible for implementing reasonable measures for securing the wallet, vault or other storage mechanism you use to receive and hold OZEX purchased from the Company, including any requisite private key(s) or other credentials necessary to access such storage mechanism(s). If your private key(s) or other access credentials are lost, you may lose access to your Tokens. The Company is not responsible for any losses, costs or expenses relating to lost access credentials.

 

  1. Language

Currently, English, Chinese and Japanese versions of any OZEX’s communications is considered official.

 

ANNEX A

OZEX Risks

By purchasing, owning, and using OZEX, you expressly acknowledge and assume the following risks:

  1. Risk​ ​of​ ​Losing​ ​Access​ ​to​ ​OZEX​ ​Due​ ​to​ ​Loss​ ​of​ ​Private​ ​Key(s),​ ​Custodial​ ​Error​ ​or​ ​Purchaser Error

A private key, or a combination of private keys, is necessary to control and dispose of OZEX stored in your digital wallet or vault. Accordingly, loss of requisite private key(s) associated with your digital wallet or vault storing OZEX will result in loss of such OZEX. Moreover, any third party that gains access to such private key(s), including by gaining access to login credentials of a hosted wallet service you use, may be able to misappropriate your OZEX. Any errors or malfunctions caused by or otherwise related to the digital wallet or vault you choose to receive and store OZEX in, including your own failure to properly maintain or use such digital wallet or vault, may also result in the loss of your OZEX. Additionally, your failure to follow precisely the procedures set forth in for buying and receiving Tokens, including, for instance, if you provide the wrong address for the receiving OZEX, or provides an address that is not ERC-20 compatible, may result in the loss of your Tokens.

  1. Risks​ ​Associated​ ​with​ ​the​ ​Ethereum​ ​Protocol

Because OZEX and the OZEX platform are based on the Ethereum protocol, any malfunction, breakdown or abandonment of the Ethereum protocol may have a material adverse effect on the platform or OZEX. Moreover, advances in cryptography, or technical advances such as the development of quantum computing, could present risks to the OZEX and the platform, including the utility of the OZEX for obtaining services, by rendering ineffective the cryptographic consensus mechanism that underpins the Ethereum protocol.

  1. Risk​ ​of​ ​Mining​ ​Attacks

As with other decentralized cryptographic tokens based on the Ethereum protocol, OZEX are susceptible to attacks by miners in the course of validating OZEX transactions on the Ethereum blockchain, including, but not limited, to double-spend attacks, majority mining power attacks, and selfish-mining attacks. Any successful attacks present a risk to the platform and OZEX, including, but not limited to, accurate execution and recording of transactions involving OZEX.

  1. Risk​ ​of​ ​Hacking​ ​and​ ​Security​ ​Weaknesses

Hackers or other malicious groups or organizations may attempt to interfere with the platform or OZEX in a variety of ways, including, but not limited to, malware attacks, denial of service attacks, consensus-based attacks, Sybil attacks, smurfing, and spoofing. Furthermore, because the platform is based on open-source software, there is a risk that a third party or a member of the Company team may intentionally or unintentionally introduce weaknesses into the core infrastructure of the platform, which could negatively affect the platform and OZEX, including the utility of OZEX for obtaining services.

  1. Risks​ ​Associated​ ​with​ ​Markets​ ​for​ ​OZEX

If secondary trading of Tokens is facilitated by third party exchanges, such exchanges may be relatively new and subject to little or no regulatory oversight, making them more susceptible to fraud or manipulation. Furthermore, to the extent that third-parties do ascribe an external exchange value to OZEX (e.g., as denominated in a digital or fiat currency), such value may be extremely volatile.

  1. Risk​ ​of​ ​Uninsured​ ​Losses

Unlike bank accounts or accounts at some other financial institutions, OZEX are uninsured unless you specifically obtain private insurance to insure them. Thus, in the event of loss or loss of utility value, there is no public insurer or private insurance arranged by Company, to offer recourse to you.

  1. Risks​ ​Associated​ ​with​ ​Uncertain​ ​Regulations​ ​and​ ​Enforcement​ ​Actions

The regulatory status of OZEX and distributed ledger technology is unclear or unsettled in many jurisdictions. It is difficult to predict how or whether regulatory agencies may apply existing regulation with respect to such technology and its applications, including the OZEX platform and OZEX. It is likewise difficult to predict how or whether legislatures or regulatory agencies may implement changes to law and regulation affecting distributed ledger technology and its applications, including the platform and OZEX. Regulatory actions could negatively impact the platform and OZEX in various ways, including, for purposes of illustration only, through a determination that the purchase, sale and delivery of OZEX constitutes unlawful activity or that OZEX are a regulated instrument that require registration or licensing of those instruments or some or all of the parties involved in the purchase, sale and delivery thereof. The Company may cease operations in a jurisdiction in the event that regulatory actions, or changes to law or regulation, make it illegal to operate in such jurisdiction, or commercially undesirable to obtain the necessary regulatory approval(s) to operate in such jurisdiction.

  1. Risks​ ​Arising​ ​from​ ​Taxation

The tax characterization of OZEX is uncertain. You must seek your own tax advice in connection with purchasing OZEX, which may result in adverse tax consequences to you, including withholding taxes, income taxes and tax reporting requirements.

  1. Risk​ ​of​ ​Competing​ ​platforms

It is possible that alternative platforms could be established that utilize the same open source code and protocol underlying the platform and attempt to facilitate services that are materially similar to the OZEX services.

  1. Risks​ ​Arising​ ​from​ ​Lack​ ​of​ ​Governance​ ​Rights

Because OZEX confer no governance rights of any kind with respect to the OZEX platform or the Company, all decisions involving the Company’s products or services within the platform or the Company itself will be made by the Company at its sole discretion. These decisions could adversely affect the platform and the utility of any OZEX you own, including their utility for obtaining services.

  1. Unanticipated​ ​Risks

Cryptographic tokens such as OZEX are a new and untested technology. In addition to the risks included in this Annex A of these Terms, there are other risks associated with your purchase, possession and use of OZEX, including unanticipated risks. Such risks may further materialize as unanticipated variations or combinations of the risks discussed in this Annex A of these Terms.

Further Information

For further information regarding the OZEX sale, please contact info@ozex.io

PRIVACY POLICY

OZEX Project is committed to protecting and respecting your privacy.

This policy (together with our terms of use available at https://OZEX.io (“Website”) and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting the Website you are accepting and consenting to the practices described in this policy.

INFORMATION WE COLLECT FROM YOU

 

We will collect and process the following data about you:

  • Information you give us. This is information about you that you give us by filling in forms on the Website (https://OZEX.io) or by corresponding with us by phone, e-mail, MyEtherWallet Address.
  • Information we collect about you. With regard to each of your visits to our site we will automatically collect the following information:
    • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
    • information about your visit, including the full Uniform Resource Locators (URL), clickstream to, through and from our site (including date and time), products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, and any phone number used to call our customer service number.
  • Information we receive from other sources. We are working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) who may provide us information about you.

 

 

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