4. MINORS

If you are under the age of eighteen, a minor or not capable of assuming legal responsibility, you should seek advice from your parents or guardians as to the meaning and consequences of these T&C before using any of the Services. You must not provide us with your personally identifiable information unless you have received the consent from your parents or guardians. ESDlife presumes that every User of the Websites has the requisite capacity required for any use of any of the Services and, by using any of the Services, you undertake and warrant to us that you have the requisite capacity. ESDlife is not obliged to verify the age or capacity or any Users, but in the event it is discovered that any Users lack the requisite capacity, ESDlife reserves the rights as may be available against such Users, or the parents or guardians of such Users, including the right to be indemnified by them against all the loss or damage suffered by us as the result of the said lack of capacity or to cancel their registration and terminate their access to the Websites.

5. ESDlife PRIVACY POLICY

Personally identifiable information is subject to our Privacy Policy. Please see our Privacy Policy Statement and Personal Data Collection Statement

6. PIN, PASSWORD AND SECURITY

You will receive a password and/or Personal Identification Number ("PIN") upon completing our on-line registration form. You may request the alteration of your password or PIN (via the Websites or otherwise) if necessary from time to time.You may also receive passwords in respect of digital or electronic certificates issued to you under certain Public Key Infrastructuresfor effecting on-line transactions. You are responsible for maintaining the confidentiality of the said passwords and PIN, and are fully responsible for all activities that occur under those passwords or PIN. You agree to (a) immediately notify ESDlife of any unauthorized use of your passwords or PIN or any other breach of security and (b) ensure that you exit from your passwords or PIN at the end of each visit to the Websites. ESDlife cannot and will not be liable for any loss or damage arising from your failure to comply with this Section 6 or your use of any digital or electronic certificates in connection with the Services.

You acknowledge that the said passwords and PIN are confidential and must not be disclosed to any other person(s) under any circumstances. Any words, action or conduct whether intentional or unintentional, by you breaching that confidentiality shall render you liable to ESDlife for all losses and damages thereby caused. You shall take all necessary precautions to maintain the confidentiality of the said passwords and PIN. You hereby agree and acknowledge that the use of the Services by any person whatsoever (whether authorised by you or not) with those passwords and PIN shall constitute and be deemed the use of the Services by you. You shall notify ESDlife immediately of any actual or possible unauthorised use of those passwords and PIN and shall confirm the same in writing without delay to ESDlife. Until ESDlife has received such written confirmation you shall have no claim against ESDlife and shall be liable to ESDlife for all losses and damages incurred by ESDlife in respect of any use of the Services whether authorised by you or not.

You acknowledge and agree that the only duty of ESDlife is to verify those passwords and PIN and ESDlife shall not be liable in respect of:

1. any loss or damage suffered by you or any other person as a result of any failure to effect or execute instructions through various electronic delivery channels or perform any obligation thereunder where such failure is attributable either directly or indirectly to any circumstances or events outside our control: or
2. any other loss or damage whatsoever suffered by you or by any other person as a result of any instructions through various electronic delivery channels given with the correct password and/or PIN.

You acknowledge that, given the nature of the Internet, we cannot guarantee that any transmission of personally identifiable information, Contents or Other Information under any Services is completely secure. By using or accessing any Services and in consideration of such access and use, you acknowledge that you are satisfied that the security features that we have adopted as set out in our Security Statement are adequate for all your purposes.

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