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TERMS AND CONDITIONS


TERMS AND CONDITIONS

 

1. INTRODUCTION

1.1     ITB: International Tax Bytes by Steve Towers (“ITB”) is a subscription
service that allows Subscribers (and selected other persons) to access a website
(www.itbstevetowers.com) (the “ITB Website”), a mobile device application (the
“ITB App”), and weekly video podcasts which are released on Fridays
(collectively, “ITB Content”) streamed over the internet to computers and mobile
devices (iPhone, iPad, and Android devices only).

1.2     ITB Service: The ITB Service is provided by International Insights Pte
Ltd (“II”, or “we”, and cognate words).  These Terms & Conditions (“T&C”) govern
all use of the ITB Service. As used in these T&C, “ITB Service”, “our
Service”, or “the Service” means the service provided by II for accessing and
watching the ITB Content, including all features and functionalities, the ITB
Website and App, and user interfaces, as well as all content and software
associated with the service.

1.3     T&C apply to all visitors: These T&C apply to all visitors to the ITB
Website and/or App, regardless of whether the visitors are Subscribers or
Subscription Permitted Users or otherwise. Without limiting the generality of
the immediately preceding sentence, it is particularly noted that these T&C
apply to the Opening Promotion period, to the Free Trial period, and to all
Subscription periods.

1.4     Contract: When you access and use the ITB Website and/or App, you affirm
that you have read these T&C and our Privacy Policy (which can be viewed on the
ITB Website and App) and you agree to be bound and abide by them. THIS IS A
CONTRACT BETWEEN YOU AND II – PLEASE READ IT CAREFULLY. IF YOU DO NOT AGREE WITH
THESE T&C AND OUR PRIVACY POLICY, YOU MUST NOT ACCESS THE ITB WEBSITE AND APP
AND YOU MUST NOT USE THE ITB SERVICE.

1.5     Changes: We reserve the right to change these T&C at any time without
prior notice. You can view the most current version of the T&C on the ITB
Website and App. Your use of the ITB Website and/or App following any such
change constitutes your agreement to follow and be bound by the T&C as changed.

1.6     Derogation: We shall not accept provisions in derogation of these T&C
unless we have expressly confirmed them in writing.

1.7     Breaches and threatened breaches: If you breach, or threaten to breach,
any of these T&C, we reserve the right to respond to the breach or threatened
breach within the terms of the law, and without prior notification. Such
response can include termination of your use of the ITB Service, banning of
future use, legal redress, or any other action deemed appropriate by us. If we
pursue legal redress, we shall be entitled to recover from you all reasonable
costs, expenses, and lawyers’ fees incurred in connection therewith.

1.8     Emails: By using the ITB Service, you consent to receive emails from us,
which may include “operational” emails that are account or service related. As
long as you maintain an account with us, you may not “opt out” of receiving such
operational emails from us. Please see “Your Choices” in our Privacy Policy.

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2. SUBSCRIPTION

2.1     Subscription periods: ITB has two subscription periods: 6 months and 12
months.

2.1.1    6 months subscriptions: A 6 months subscription period will expire on
the day which is the 6 months “anniversary” of the start of the 6 months
subscription period. For example, if the 6 months subscription period starts on
10 August 2019, the 6 months subscription period will expire on 10 February
2020. A 6 months subscription includes a minimum of 21 new weekly video podcasts
(which are released on Fridays), plus full access to our archive of previous
video podcasts (from the start of ITB in 2018). In the very unlikely event that
21 new weekly video podcasts are unable to be made available to a Subscription
Permitted User in the relevant 6 months subscription period, we will provide
reasonable compensation to the Subscriber – if the Subscriber believes that that
situation has occurred, please contact us at billing@internationaltaxbytes.com.

2.1.2     12 months subscriptions: A 12 months subscription period will expire
on the day which is the 12 months anniversary of the start of the 12 months
subscription period. For example, if the 12 months subscription period starts on
10 August 2019, the 12 months subscription period will expire on 10 August 2020.
A 12 months subscription includes a minimum of 42 new weekly video podcasts
(which are released on Fridays), plus full access to our archive of previous
video podcasts (from the start of ITB in 2018). In the very unlikely event that
42 new weekly video podcasts are unable to be made available to a Subscription
Permitted User in the relevant 12 months subscription period, we will provide
reasonable compensation to the Subscriber – if the Subscriber believes that that
situation has occurred, please contact us at billing@internationaltaxbytes.com.

2.2     Subscriber: A “Subscriber” is an individual person or entity who or
which is the party to a Subscription Contract with us.

2.3     Subscription Permitted User: A “Subscription Permitted User” is an
individual person who is covered by a current ITB subscription (the “Relevant
ITB Subscription”), and who is identified as such in the relevant Subscription
Contract with us. A Subscription Permitted User is an individual person who is
allowed to access and use the ITB Service under the Relevant ITB Subscription. A
Subscription Permitted User must be either: (i) the Subscriber (in regard to the
Relevant ITB Subscription), or (ii) in a current business, employment or
academic relationship with the Subscriber (in regard to the Relevant ITB
Subscription), such as partner, employee, student, or professor. In the case of
an Enterprise Subscription (see subsection 2.4 below), there will be two or more
Subscription Permitted Users under a single Subscription Contract.

2.4     Enterprise Subscriptions: An “Enterprise Subscription” is a subscription
under a Subscription Contract, where there are two or more Subscription
Permitted Users.

2.5     Subscription fees: Information on the subscription fees for the ITB
Service is available on the ITB Website or App. All subscription fees are
denominated in US dollars. The specific subscription fee for a Subscription
Contract is stated in the Relevant ITB Invoice. Please see Indirect Tax
(subsection 2.12 below).

2.6     Subscription fee changes: We may change the subscription fees for the
ITB Service from time to time. Any such change will have effect only in regard
to subscription periods which start after we have provided notification of the
change. In particular, when we contact the Subscriber two (2) months before the
end of the Subscriber’s current subscription period to remind the Subscriber to
cancel the subscription if they do not want to renew the subscription (see
subsection 2.7 below), we will advise the Subscriber of any change to the
subscription fee which will apply to their subscription.

2.7     Cancellation: The Subscriber is permitted to cancel the ITB subscription
effective at the end of the current subscription period. The Subscriber will
need to notify us of the cancellation via email (see below) no less than thirty
(30) days before the end of the current subscription period.  We will
acknowledge receipt of the cancellation notice, by immediate return email. Two
(2) months before the end of the Subscriber’s current subscription period, we
will remind the Subscriber (by email) to cancel the subscription if the
Subscriber does not wish to renew the subscription. We do not provide refunds or
credits for any partial-year subscription within the current subscription
period. To cancel, please email us at billing@internationaltaxbyes.com.

2.8     Orders: All orders for the ITB Service must be made on the ITB Website
or App.

2.9     Subscription Contract: A contract (the “Subscription Contract”) will be
made when we accept an order. We will advise the Subscriber by email of our
acceptance.

2.10     Refusal: We reserve the right to refuse to accept an order for no
reason / without cause. We will advise the person who or which made an order
within a reasonable time if an order is not accepted by us.

2.11     Non-exclusive, non-transferrable, non-sublicensable and limited
licence: During the Relevant ITB Subscription, the Subscription Permitted User
will (or will each) have a non-exclusive, non-transferrable, non-sublicensable
and limited licence to use the ITB Service only as expressly provided in these
T&C. No right, title or interest in or to the ITB Website and/or App, or the ITB
Content, is transferred or granted to the Subscriber or (if a different person)
the (or a) Subscription Permitted User, and all rights not expressly granted are
reserved by us. Please note, in particular, the restrictions on a Subscriber and
a Subscription Permitted User (and other persons) described in subsection 6.2
below.

2.12     Indirect Tax: The subscription fee is exclusive of any value added tax,
goods and services tax, sales and use tax, digital services tax, or similar
indirect taxes (regardless of name) (collectively, “Indirect Tax”) which is
levied in regard to the subscription fee. If such Indirect Tax is so levied, it
(or, if more than one, they) shall be charged in full, in addition to the
subscription fee.

2.13     Incorporation of ITB invoice: The (or, if more than one, each) ITB
invoice (which relates to a specific Subscription Contract) (“Relevant ITB
Invoice”) is hereby incorporated into these T&C.

2.14     Automatic renewal of subscription, unless cancelled: If a 6 months
subscription is not cancelled in accordance with subsection 2.7 (see above), the
Subscriber will be deemed to have ordered a new 6 months subscription, which
will commence on the day (“Start Date”) immediately following the current
subscription period; and the Payment Method (Credit Card), if applicable, will
be charged automatically, on the Start Date, for the subscription fee (and
Indirect Tax, if any) for that new 6 months subscription. If a 12 months
subscription is not cancelled in accordance with subsection 2.7 (see above), the
Subscriber will be deemed to have ordered a new 12 months subscription, which
will commence on the day (“Start Date”) immediately following the current
subscription period; and the Payment Method (Credit Card), if applicable, will
be charged automatically, on the Start Date, for the subscription fee (and
Indirect Tax, if any) for that new 12 months subscription.

2.15     Payment Methods: ITB has two payment methods : credit card and bank
transfer. Subscribers can change their Payment Method by visiting the ITB
Website and/or App and clicking on the “My Account” link.

2.15.1     Credit Card: We accept Visa, Mastercard, American Express, Discover,
Diners Club and JCB credit cards only. When you provide us with the details of
your Payment Method (Credit Card), you authorise us to charge (and, in the case
of subscription renewals, continue to charge) the relevant subscription fee (and
Indirect Tax, if any) to that Payment Method (Credit Card). If a payment is not
successfully and fully settled, due to expiration, insufficient funds, or
otherwise, and you do not change your Payment Method (Credit Card), we may
suspend your access to the ITB Service until you have provided to us a valid and
effective Payment Method (Credit Card). For some credit cards, the issuer may
charge certain fees, such as foreign exchange transaction fees or other fees
relating to the processing of your Payment Method (Credit Card). Local tax
charges may vary, depending on the Payment Method (Credit Card) used. Please
check with your Payment Method (Credit Card) service provider for details.

2.15.2     Bank Transfer: The full subscription fee (and Indirect Tax, if any)
must be received into our bank account within fourteen (14) days after we send
our email of acceptance (see subsection 2.9 above). If that does not occur, we
may suspend your access to the ITB Service until you have provided us with the
full subscription fee (and Indirect Tax, if any). Your bank might charge certain
fees, such as foreign exchange processing fees and other fees relating to the
bank transfer. Please check with your bank for details.

2.16     Start of subscription: All subscriptions will start on the day on which
we send our email of acceptance (see subsection 2.9 above).

2.17     Registration: The (or, if more than one, each) Subscription Permitted
User will need to register. Please see section 5 below in regard to user name
and password.

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3. OPENING PROMOTION

3.1     Opening Promotion: September, October, and November 2018 is the Opening
Promotion period. During this period, access will be allowed to the ITB Content
without charge.

3.2     T&C apply: These T&C (and, in particular, sections 6, 7, 8, and 9) fully
apply during the Opening Promotion period.

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4. FREE TRIAL

4.1     Free Trial: A “once only” Free Trial period will be available, and will
be launched in 2019. The Free Trial period lasts for one (1) month and is
intended for you to try the service. During the Free Trial period, you can watch
new video podcasts issued in that one (1) month, and all available archives.
Only one (1) Free Trial period will be available for each individual person.

4.2     Email address: A business, corporate, government, or university email
account must be used to sign up for the Free Trial. This is to protect us
against repetitive Free Trial attempts by using web-based email accounts such as
Hotmail, Yahoo, Gmail, Outlook.com, iCloud.com, etc.

4.3     Eligibility: Free Trial eligibility is determined by us at our sole
discretion and we may limit eligibility to prevent Free Trial abuse or other
reasons. We reserve the right to revoke the Free Trial and put your account on
hold in the event that we determine that you are not eligible. We may use
information such as device ID, method of payment or an account email address
used with an existing ITB subscription to determine eligibility.

4.4     T&C apply: These T&C (and, in particular, sections 6, 7, 8, and 9) fully
apply during the Free Trial period.

4.5     Registration: You will need to register for the Free Trial. Please see
section 5 below in regard to user name and password.

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5. USER NAME AND PASSWORD

5.1     User name, password, etc.: Subscription Permitted Users and persons
undertaking Free Trials, are required to register to access the ITB Service. As
part of the registration, you must choose, or we will provide you with, a user
name, password or other information as part of our security procedures. You must
treat such information as confidential, and you must not disclose it to any
other person. You also acknowledge that your account is personal to you and
agree not to provide any other person with access to the ITB Service using your
user name, password or other security information. You agree to notify us
immediately of any unauthorised access to or use of your user name or password
or any other breach of security. You also agree to exit from your account at the
end of each session. You also agree to use particular caution when accessing
your account from a public or shared computer so that others are not able to
view or record your password or other personal information. We may require you
to change your password if it has been compromised, or from time to time as a
security measure.

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6. INTELLECTUAL PROPERTY

6.1     Copyright: The ITB Content is protected by copyright, which is owned
solely by II.

6.2     Use of ITB Content: You may use the ITB Content solely for your own
personal use and benefit and not for resale or other transfer or disposition to
any other person. You shall not reproduce, copy, record, photograph, screenshot,
store in any retrieval system, download, torrent, frame, hyperlink, publish,
post, modify, transfer, exploit, share, distribute, or dispose of any ITB
Content (with or without consideration), which in any way infringes our
copyright, without our express prior written permission. You shall not use the
ITB Content in any manner that might compete with, or adversely affect, our
business (including, without limitation, by making the ITB Content available to
any other person where such content is accessible through subscription only),
except with our express prior written permission.

6.3     Service marks and logo: The service marks, “International Tax Bytes by
Steve Towers” and “ITB”, and the “ITB” logo, are the property solely of II. You
shall not use these marks and/or logo without our express prior written
permission.

6.4     Music and VFX: The ITB Content contains music and visual effects
(“VFX”), the copyright for which is owned solely by II. You shall not copy that
music and/or VFX, in whole or in part, without our express prior written
permission.

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7. YOUR OBLIGATIONS AND AKNOWLEDGEMENTS

7.1     Age: The ITB Website and App are not intended for users under eighteen
(18) years of age and such individuals are not permitted to be subscribers. If
individuals under eighteen (18) years of age wish to subscribe, their parent or
guardian must agree to these T&C on their behalf.

7.2     Your undertakings: You undertake that you will:

 1.  Comply with all applicable laws in relation to the ITB Website, App, and
     Service, including (without limitation) laws relating to the use of
     intellectual property;
 2.  Not use the ITB Website or App or the ITB Content, in any way which
     breaches section 6 above, nor infringe any intellectual property or other
     rights in or relating to the ITB Website or App or the ITB Content or of
     any third party;
 3.  Not use the service marks, “International Tax Bytes by Steve Towers” or
     “ITB”, or the ITB logo, in any way which breaches section 6 above;
 4.  Not prevent or restrict, or in any way interfere with, the operation of the
     ITB Website or App or the ITB Service, including conduct which restricts or
     inhibits other users’ use or enjoyment of the ITB Website or App or the ITB
     Service, nor hack into or cause damage to any server or other equipment
     operated by us or on our behalf;
 5.  Not “frame” or “mirror” all or any part of the ITB Website and/or App;
 6.  Not use any automated software program, spider, scraper, web-crawler, URL
     checker, robot, or other type of site search tool or other automated means
     to retrieve, index, data mine or otherwise access the ITB Website and/or
     App, or reproduce any ITB Content;
 7.  Not use any automated software to access, download, or reproduce, in whole
     or in part, the ITB Website and/or App or the ITB Content;
 8.  Not introduce any viruses, “Trojan horses”, worms, or other material which
     is malicious or technologically harmful, or attack the ITB Website and/or
     App via a denial of service attack or a distributed denial of service
     attack;
 9.  Not attempt to gain unauthorised access to the ITB Website, App or Service;
 10. Not attempt to obtain more than one (1) Free Trial; and
 11. Comply fully with these T&C.

7.3     Equipment and telephone, etc.: You are responsible for procuring the
necessary equipment and the payment of telephone, internet and other charges
necessary to access and/or use the ITB Website, App, and Service. You
acknowledge that we are not responsible for the reliability or continued
availability of the telephone lines, internet and equipment you use to access
and/or use the ITB Website, App, and Service.

7.4     Quality of vision and audio: You acknowledge that the quality of the
vision and audio of the ITB Content may vary from device to device, and may be
affected by a variety of factors, such as your location and the bandwidth
available through and/or speed of your internet connection.

7.5     Software: The ITB software (e.g., video player) is developed by, or for,
us and is designed to enable viewing of the ITB Content through computers and
mobile devices (iPhone, iPad, and Android devices only). The ITB software may
vary by device and medium, and functionalities and features may also differ
between devices. You acknowledge that the use of the ITB Service may require
third party software that is subject to third party licences. You agree that you
may automatically receive updated versions of the ITB and related third-party
software.

7.6     Linking to the ITB Website: You may provide links to the publicly
available parts of the ITB Website which are not password protected, provided
that you do so in a way that is fair and legal and does not damage ITB’s
reputation or take advantage of it. However, you shall not create a link which
suggests any form of association, approval or endorsement by us without our
express prior written permission. Moreover, you shall discontinue providing
links to the ITB Website, if notified to do so by us.

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8. LIABILITY

8.1     Not legal, etc. advice: The ITB Content is made available solely for
general information purposes. The ITB Content is not provided by us as legal,
accounting, tax, financial or other professional advice, opinion, or
recommendation, and it shall not be used as such. If legal or other professional
assistance is required, you should seek the services of a competent
professional.

8.2     No reliance, no warranties: You use the ITB Content strictly at your own
risk. You should not rely on all or any part of the ITB Content in making
decisions to take action, or inaction, in regard to tax or other matters. The
ITB Service is provided “as is” and “as available”. II, its employees and
directors (collectively, the “II Parties”) do not represent, warrant or
guarantee the accuracy, completeness, usefulness, or timeliness of all or any
part of the ITB Content, and the II Parties do not represent, warrant or
guarantee that the ITB Content will meet your needs or expectations. The II
Parties disclaim all liability and responsibility arising from any reliance on
all or any part of the ITB Content. The II Parties disclaim all warranties of
any kind, whether express or implied, statutory, or otherwise, including but not
limited to any warranties of merchantability, non-infringement, and fitness for
a particular purpose or use.

8.3     Accessibility, etc. of ITB Service: The II Parties do not represent or
warrant that the ITB Service will always be accessible, or that it will be
error-free, complete, secure, reliable, or accurate. Although we aim to provide
access to the ITB Service twenty-four (24) hours per day, every day, the II
Parties are not liable for periods of non-accessibility and the II Parties shall
not be liable for any damage caused by a malfunction or a period when the ITB
Service is not operative, except as indicated in this subsection 8.3. If access
to all or part of the ITB Service is not possible as a result of a system
breakdown or malfunctioning of II online hardware and/or software
infrastructure, II will make all necessary efforts to solve this problem. II
will inform all affected subscribers if the access problem cannot be resolved
within seventy-two (72) hours after discovery of the non-accessibility by II. If
access cannot be restored during the following seventy-two (72) hours, all
affected subscribers will be entitled to terminate their contract with II – in
which case, II will refund the proportion of the subscription fee which relates
to the remaining months. However, termination of the contract and refund of the
proportion of the subscription fee are not possible in the case of Force Majeure
(see section 10 below).

8.4    Compatibility: The II Parties do not represent, warrant or guarantee that
the ITB Service is compatible with your computer/device.

8.5     Viruses, etc.: The II Parties do not represent, warrant or guarantee
that the interactions between your computer/device and the ITB Website and/or
App, or any linked website or resources, will not expose your computer/device to
viruses, other malicious code, unauthorised access, or other security breaches.
You are responsible for implementing appropriate and sufficient anti-virus and
similar protection for your computer/device. The II Parties will not be liable
for any loss or damage caused by any such security breach, a denial of service
attack, a distributed denial of service attack, viruses or other technologically
harmful material which might infect your computer/device due to interactions
with the ITB Website or App or with any linked website or resources.

8.6     Linked websites and resources: The ITB Website and App might contain
links to other websites and resources provided by third parties. If so, these
links are provided for your convenience only. The II Parties have no control
over the availability, content or accuracy of those websites or resources, and
the II Parties accept no responsibility for them or for any loss or damage that
may arise from your use of them. If you decide to access any of the third party
websites or resources linked to the ITB Website and/or App, you do so entirely
at your own risk and subject to the terms and conditions of use for such
websites and resources.

8.7     Liability: The II Parties shall not be liable for damages of any kind,
under any legal theory, arising out of or in connection with your use, or
inability to use, the ITB Service, any linked websites or resources, all or any
part of the ITB Content, or all or any part of the content on any linked
websites or resources, including any direct, indirect, special, incidental,
consequential, punitive or exemplary damages, including but not limited to
personal injury, pain and suffering, emotional distress, loss of revenue, loss
of profits, loss of business or anticipated savings, loss of use, loss of
goodwill, loss of data, and whether caused by tort (including negligence),
breach of contract or otherwise, even if foreseeable and even if the II Parties
have been advised specifically of the possibility of such damages.

8.8     Limitation of exclusions: The foregoing does not affect any warranty or
liability which cannot be excluded under applicable law.

8.9     Sole and exclusive remedy: Notwithstanding the foregoing, your sole and
exclusive remedy, and the II Parties’ entire liability, shall be a refund of
your subscription fee (if any) for the subscription period in which the event
(giving rise to such claim) occurs, or alternatively five hundred US dollars
(US$500), whichever is the higher.

8.10     Deadline: No action, regardless of form, arising out of or pertaining
to the ITB Service, may be brought by you more than 12 months after the event
(giving rise to such claim) occurs.

8.11     Indemnity: You agree to defend, indemnify and hold harmless the II
Parties against any claims, liabilities, damages, judgments, awards, losses,
costs, expenses or fees (including reasonable lawyers’ fees) directly or
indirectly arising out of, relating to, or caused by your breach of these T&C.

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9. PRIVACY POLICY

9.1     Privacy Policy: The most current version of our Privacy Policy is hereby
incorporated into these T&C. It can be viewed on the ITB Website and App.

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10. FORCE MAJEURE

10.1     Force Majeure: We shall not be liable for any default resulting from
Force Majeure.

10.2     Definition: The term, “Force Majeure”, shall include, but shall not be
limited to, war, threat of war, strike, government measures, business
interruption, internet interruption, natural disaster, earthquake, epidemic,
fire, flood, and all other circumstances beyond our reasonable control.

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11. GOVERNING LAW & EXCLUSIVE JURISDICTION

11.1     Governing Law & Exclusive Jurisdiction: These T&C shall be governed by
and construed in accordance with the laws of Singapore. All disputes between the
parties shall be subject to the exclusive jurisdiction of the courts of
Singapore. You waive all objections to the exercise of jurisdiction over you by
such courts and to venue in such courts. In particular, you agree not to assert
a defence of forum non conveniens, sovereign immunity, Act of State, or
analogous doctrines in connection with any such action.

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12.  INVALID TERMS

12.1     Invalid, etc. terms: If any part of these T&C is determined by a
competent authority to be invalid, illegal or unenforceable for any reason, such
part shall be severed from the remaining T&C, which shall continue to be valid
and enforceable to the fullest extent permitted by law.

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13. NO WAIVER

13.1     No waiver: If we waive any term or condition in these T&C or fail to
assert a right or provision in these T&C, it will not be deemed a further or
continuing waiver of such term or condition or a waiver of any other term or
condition, nor will it constitute a waiver of such right or provision.

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14. THIRD PARTY RIGHTS

14.1     Third party rights: Except in regard to section 8 (where there are
provisions for the benefit of the II Parties), a person who is not a party to a
contract which includes these T&C has no right under the Contracts (Rights of
Third Parties) Act, Chapter 53B of Singapore to enforce or enjoy the benefit of
these T&C. Notwithstanding any provision in these T&C, the consent of any third
party is not required for any change (including any release or compromise of any
liability under) or termination of any contract which includes these T&C.

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15. SURVIVABILITY

15.1     Survivability: The obligations, acknowledgements, representations,
warranties, indemnities, limitations, and rights which are contained in sections
6, 7, 8, and 9 shall survive the termination of any contract which includes
these T&C.

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16. ASSIGNMENT

16.1     Assignment: You may not assign these T&C or the rights hereunder
without our express prior written permission.

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17. ENTIRE AGREEMENT

17.1     Entire agreement: These T&C, the Privacy Policy, and (if applicable)
the Relevant II Invoice constitute the sole and entire agreement between you and
us with respect to the ITB Service, and supersede all prior and contemporaneous
understandings, agreements, representations and warranties, whether written
and/or oral, between you and us.

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18. OTHER

18.1     Definitions: The following definitions are used in these T&C:

(a) “Enterprise Subscription” is defined in subsection 2.4;

(b) “Free Trial” means the “once only” free trial period, which is described in
section 4;

(c) “Force Majeure” is defined in subsection 10.2;

(d) “II” and “we” (and cognate words) mean International Insights Pte Ltd, a
limited liability company formed under the laws of Singapore, and which has its
registered office at 140 Robinson Road, #01-01 Crown at Robinson, Singapore
068907;

(e) “II Parties” means II, its employees and directors;

(f) “Indirect Tax” means value added tax, goods and services tax, sale and use
tax, or similar indirect taxes (regardless of name);

(g) “ITB” means International Tax Bytes by Steve Towers, a subscription service;

(h) “ITB App” means the mobile device application which relates to ITB;

(i) “ITB Content” means the ITB Website, the ITB App, and weekly video podcasts
which are released on Fridays;

(j) “ITB Service”, “our Service”, and “the Service” mean the service provided by
II for accessing and watching the ITB Content, including all features and
functionalities, the ITB Website and App, and user interfaces, as well as all
content and software associated with the service;

(k) “ITB Website” means the internet website, www.itbstevetowers.com;

(l) “Opening Promotion” means the period (being September, October, and
November 2018) during which access will be allowed to the ITB Content without
charge;

(m) “Payment Method” means, in regard to a Subscriber, the specific method of
payment for the ITB subscription fee (and Indirect Tax, if any) and which is
either by credit card or bank transfer;

(n) “Payment Method (Credit Card)” means, in regard to a Subscriber, the
specific credit card which is that Subscriber’s Payment Method;

(o) “Privacy Policy” means our Privacy Policy, which can be viewed on the ITB
Website and App;

(p) “Relevant ITB Invoice” means the (or, if more than one, each) ITB invoice
which relates to a specific Subscription Contract;

(q) “Relevant ITB Subscription” means the current ITB subscription under a
Subscription Contract;

(r) “Start Date” is defined in subsection 2.14;

(s) “Subscriber” is an individual person or entity who or which is the party to
a Subscription Contract with us;

(t) “Subscription Contract” is the contract which is made when we accept an
order for the ITB Service; and

(p) “Subscription Permitted User” is defined in subsection 2.3.

Last Updated: 15 November 2018


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