Terms of service

2. Limitation of use

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• You must use the Website in accordance with these Terms of Use:
  • Do not copy, transmit, distribute, reproduce, licence, alter, reverse engineer, adapt or modify the Website, partially or wholly, under any circumstances or method;
  • Do not use the Website in any manner that is unlawful or inconsistent with these Terms of Service, for any unlawful purpose, or  hack into or insert malicious code into the Website, including viruses, destruction of data or harmful data.
  • Do not use the Website in any way that could damage, disable, overburden, impair or compromise the Website; and
  • Comply with any applicable law and regulation relating to downloading content or applications used or supported by the Website.

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3. Cookies

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• “Cookies” are small files downloaded to your computer to track movements within websites. 
• We use cookies and other technologies to personalise your experience and monitor usage of Mosaica websites and/or applications. We may link cookie information to personal information.
• Most internet browsers will allow you to erase cookies from your computer hard drive, block acceptance of cookies, or receive a warning before a cookie is stored. However, please note that if you block cookies, some portions of Mosaica websites and/or applications may not function properly.

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4. Access and alteration

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• You have a right to access any of our records that contain personal information about you, except where the law stipulates otherwise.
• We reserve the right to charge a fee for providing you with access to records containing your personal information, where permitted by law.
• We allow you to control the way that we use personal information that we might obtain. At the time you provide personal information, you have opted in to accepting future offers or information about news, promotions, or services from us or our affiliates. In addition, many of the “mailings” we may send you (such as newsletters) contain procedures to cancel the receipt of any future mailings. If at any time you change your mind and do not want to receive emails or other correspondence from us or want to have your account deactivated, contact us.
• If you choose to have your personal information removed from Mosaica websites and/or applications, we will remove it within a reasonable time after your request and will take reasonable steps to ensure that your personal information is not used (except as may be required by law) by us after your notification to us. Please note that if you remove the minimum personal information intended to be displayed on your account, we may suspend or close your account.
• Any information retained due to technical and legal requirements and constraints related to the security, integrity and operation of Mosaica websites and/or applications.
• We will take all reasonable steps to ensure that any personal information we hold about you is accurate, complete and up to date. Please assist us in keeping our records accurate by advising us of any changes to, or errors in, your personal information.

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6. Exclusion of liability

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To the maximum extent permitted by law, Mosaica excludes all liability for any loss or damage whatsoever which is suffered (including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, loss of profits or revenue, business interruption, loss, damage or corruption of data or failure to realise anticipated savings or benefits or business opportunities) as a result of:

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• the use of, reliance on, or action taken as a result of, any information or material in the Website for any decision or otherwise;
• accessing, displaying and using the Website and/or participating in any on-line activities contained therein;
• any interruption, suspension or termination of the Website in whole or in part for whatever reason including failure of or suspension of public or private telecommunications networks;
• the unavailability, unsuitability and non-connectivity of third party sites;
• any loss, damage, corruption or degradation of any data or other material as a result of the use of the Website and or viruses or other technologically harmful material that may infect your computer or mobile device due to your use of the Website.

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6. Your risk

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You access the Website at your own risk and Mosaica accepts no responsibility for any interference, loss, damage or disruption to your own computer or mobile device or otherwise which arises in connection with your use of the Website. You must take your own precautions to ensure that the process which you employ to obtain access to the Website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your computer or mobile device, or otherwise cause you or any person loss, damage or corruption.

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7. Security

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You hereby waive and relinquish any and all claims that you may have against Mosaica, its related bodies corporate, directors, officers, employees, contractors, agents and representatives, in connection with, arising out of, or incidental to your access to or use of the Website – including but not limited to downloading any information and materials in or from the Website.You release, forgive, discharge and indemnify Mosaica, its related bodies corporate, directors, officers, employees, contractors, agents and representatives (“those indemnified”) from and against:

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• any loss, damage, liability or expense incurred by you; and
• any loss, liability, damage or expense (including legal fees) incurred or suffered by any third party, and any claim or demand made by any third party against those indemnified, howsoever caused (including through negligence) directly or indirectly arising out of or in connection with:
  
  • your use of the Website or any linked website, including by making or carrying out any commitments;
  • your use of or reliance on information contained in or accessed through the Website; or
  • a breach by you of the Terms of Service.

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8. Software viruses, etc.

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Without limiting the above, Mosaica does not warrant that the Website, information and or material available for download is free from viruses or other conditions that could damage or interfere with data, hardware or software. Accordingly, Mosaica excludes to the maximum extent possible, any liability for any loss suffered as a result of any such viruses or defects.

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9. Downloadable material

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You hereby waive and relinquish any and all claims that you may have against Mosaica, its related bodies corporate, directors, officers, employees, contractors, agents and representatives, in connection with, arising out of, or incidental to your access to or use of the Website – including but not limited to downloading any information and materials in or from the Website.You release, forgive, discharge and indemnify Mosaica, its related bodies corporate, directors, officers, employees, contractors, agents and representatives (“those indemnified”) from and against:

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• any loss, damage, liability or expense incurred by you; and
• any loss, liability, damage or expense (including legal fees) incurred or suffered by any third party, and any claim or demand made by any third party against those indemnified, howsoever caused (including through negligence) directly or indirectly arising out of or in connection with:
  
  • your use of the Website or any linked website, including by making or carrying out any commitments;
  • your use of or reliance on information contained in or accessed through the Website; or
  • a breach by you of the Terms of Service.

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