LUX PROPERTY CLUB is the brand that is owned by the company Future Now LLC Dubai, the company is a registered entity in Dubai, UAE with registry No.2007221 with its company address at Office # G08, Al Qayada Building, Dubai International Airport, Dubai, UAE.

LUX PROPERTY CLUB operates a digital marketplace under the domain luxpropertyclub.com, where it offers its clients the opportunity to buy and sell digital membership certificates in real estate owned and managed by the Future now LLC. There is a Cash-Back Reward associated with the purchase of digital membership certificates, which distributes a portion of the rental income to the certificate holders on a monthly basis.

These Terms constitute a legally binding contract between you and LUX PROPERTY CLUB which you accept for yourself and on behalf of any principal or principals on whose behalf you are acting as agent by giving us instructions to deal or accepting services from us. These Terms supersede any other general terms of business or similar documents that may have been previously issued to you by us.

For your own protection, you should read and fully understand these Terms prior to submitting your account application to LUX PROPERTY CLUB. If you do not understand anything in these Terms or the documents incorporated by reference, you should contact LUX PROPERTY CLUB to ask for further information or seek independent professional advice before you open an account, place any order or enter into a transaction with LUX PROPERTY CLUB.

Risk Warning

Once purchased, the value of membership certificates may vary from the purchase price over time and cash-back rewards may be affected by various factors. Your capital may be at risk, and you may not receive the anticipated returns.

The services offered by the LUX PROPERTY CLUB (Future now LLC) is not an investment product and we do not constitute investment advice or a recommendation to make investment decisions. We are not a broker, exchange, dealer, financial institution, payments processor, money services business, or creditor.

You acknowledge and understand that using our marketplace and the company's products:

Involves a high degree of risk; and

Is appropriate only for persons who, can assume the risk of loss in excess of their initial and subsequent deposits.

When you enter into a Transaction, any profit or loss arising as a result of a fluctuation in the value of the digital Membership-Certificate asset will be entirely for your account and risk;

We do not conduct any manual or automated monitoring of your Transactions or transactions of other clients. Hence, we will not monitor the result of your Transactions and cannot be held responsible for any Transactions that may develop differently from what you may have presupposed;

Guarantees of profit or safety from loss are impossible in investments in property. Even low risk investment strategies contain an element of uncertainty. You agree that you have not received such guarantees or similar representations from us or any of our employees or representatives, from any Agent, Service Provider; Partners, Promotors, Marketing, Agencies or any other entity with whom you deal with in connection with your Account; and

LUX PROPERTY CLUB does not control, does not endorse, and is not liable for the accuracy or completeness of any information, recommendation or advice provided or given by any Agent.

You represent, warrant and agree that you understand the aforementioned risks and that you are willing and able, financially and otherwise, to assume the risks of trading in leveraged products and that the loss of your account balance and any resulting negative account will not change your life style.

Services

Subject to your performance of your obligations under this Agreement, we may enter into the following transactions with you:

• Providing an online marketplace for the purchase and sale of digital membership certificates in the limited liability company's assets, such as, but not limited to, real estate assets or digital assets;
• Participation in the cash back rewards program
• Participation in the Family & Friends referral program.
• Such other programs and instruments as we may offer from time to time.

Except as provided elsewhere in these Terms: (i) there are no restrictions on the types of purchases or sales or the markets on which you wish Transactions to be executed; and (ii) we will assume that you do not intend any, restrictions or limits to apply to your Account, unless you notify us otherwise in writing and we confirm our acceptance in writing.

You agree that even though you and we have entered into these Terms, we may refrain from providing any of the services:

Until all of our internal procedures for establishing accounts have been completed and the necessary internal approvals have been obtained; or

If you are in breach of any of your obligations as set out in these Terms or any other agreement you may have entered into with any member of the LUX PROPERTY CLUB Services.

We shall deal with you on an execution-only basis. We will not make personal recommendations or advise on the merits of purchasing, selling, or otherwise dealing in the placements and offerings on our marketplace , their taxation consequences or the composition of any account or any other rights or obligations attaching to such activities. Where we, our employees, directors, officers or agents have provided you with an explanation of to the terms of a Transaction or its performance characteristics, such explanation does not itself amount to advice on the merits of the investment.

Your Account enables you to access various services through the System, including placing of Orders, legal notices and other information relating to the operation of the System.

Additional Activities

We may, from time to time, provide you, and other clients who are registered on our platform, with general information, independent research, market commentary, or other data, facts or information via our website. These activities are incidental to our relationship with you and are provided solely to enable you to make independent decisions. You understand that we do not produce the information with the intent of impacting your decisions and therefore release us from any liability for Losses you may incur as a result of entering into any Transaction regarding our services. Those market overviews provided by third party providers and that doesn't represent financial, legal, trading or any kind of advice.

You also acknowledge and agree that:

• We do not advise on the merits or perils of a particular Transaction or its taxation consequences and make no representation, warranty or guarantee as to the accuracy or completeness of any market or other information furnished to you or as to the legal, tax or accountancy consequences of your Transaction;
• The market overviews and market news are being provided as general market commentary or compilation of market information. It may reflect the opinion of the person generating such information; however, it does not reflect our opinion and does not constitute an offer or solicitation from us to you or to any of our clients;
• The information does not amount to a general or personal recommendation or advice;
• Any market or other information communicated to you by us are wholly incidental to the conduct of our business and to your dealing relationship with us and are provided solely by us as a courtesy to you in order for you to make your own investment decisions and it is not part of the services offered to you and do not constitute personal recommendation or advice by us to you; or any advice please seek independent legal, tax, financial counsel;
• The information, independent research or market commentary, although based upon data obtained from sources believed by us to be reliable, may be inaccurate or incomplete, may not have been verified and may be changed without notice to you;
• Where information is in the form of a document containing a restriction on the person or category of persons for whom that document is intended or to whom it is distributed, you agree that you will not pass it on contrary to that restriction;
• You are solely responsible for making the decision whether to do any Transactions with instruments, including the timing, quantity and price of such Instruments;
• Where you have taken the information provided by us into consideration when making your investment decisions, you represent that you have not relied on such information exclusively but have conducted your own independent research and made your decision as to the suitability of any Instrument/s to your investment objectives and financial situation without placing reliance on the information provided by us; and

We may, from time to time, also provide you, and other clients who are registered at our platform, with educational tutorials on our products and services and on using the various programs which we make available to you. These activities are incidental to our relationship with you and are provided solely to assist you in understanding the markets and risks associated with investment and to provide you with a general understanding of the functionalities of the program.

Account

An Account must be opened prior to making any Order or entering into any using of our platform, marketplace and services. No Orders can be placed until an Account has been opened and cleared funds received. Without prejudice to the foregoing. That means that you will have to provide s with your personal documents to assess your creditworthiness, credit risk and to prevent fraud criminal activity) you acknowledge and agree that we may make periodic searches and enquiries about you and any related party at credit reference agencies, and your employers, if applicable, disclose information to organizations involved in fraud or money laundering prevention; and obtain information from and disclose information to investment firms which deal for you concerning any payment or security default or concerning any investment which is related to or connected with Transactions which you seek to open with us.

We may, at our sole discretion, refuse to open an Account for you and we are not obliged to provide you with any reason for our refusal.

Account types

LUX PROPERTY CLUB offers couple of types of accounts in order to meet the member’s needs, as it is previously explained to you by our company representatives though various the following:

• Free Basic Membership account: an account to use our marketplace for purchasing and selling the digital membership-certificates and receiving the cash-back rewards
• Advanced Membership account: an account to become part of our Family & Friends referral program and to purchase pre-market opportunities.

Fees and Charges, and Other Costs

We will generally be remunerated for providing you with the services by charging you or by any other person using your Authenticators, and you acknowledge and agree that any breach by such person of any of your obligations hereunder shall constitute a breach of such obligations by you;

You agree that it is your responsibility to provide, at your own expense, all equipment necessary for you to access and use the service, including, but not limited to, computers, computer systems, servers, peripheral equipment, operating systems, applications, communications software, internet access, telecommunications equipment and other equipment and software including any updates thereof. You are solely responsible for any losses, damages, or costs incurred as a result of errors made by, or the failure of, such equipment that you use to access the service.

Access to the System or Secure Access Website is provided “as is”. We make no warranties, express or implied representations or guarantees as to the merchantability and/or fitness for any particular purpose or otherwise with respect to the System or Secure Access Website, their content, any documentation or any hardware or software provided. Technical difficulties could be encountered in connection with either the System or Secure Access Website. These difficulties could involve, among others, failures, delays, or malfunction, which may cause Orders not to be transmitted, received or executed as a result of such disruption, failure or malfunction, software erosion or hardware damage, which could be the result of hardware, software or communication link inadequacies or

Tax

We will not provide you with any advice on legal, financial or tax issue related to any services. You are advised to obtain individual and independent counsel from your financial advisor, auditor or legal counsel with respect to legal, financial or tax implications of the respective services. You are responsible for the payment of all taxes that may arise in relation to your Transactions of Instruments.

Agents

You may have been referred to us by a Agent. If so, we will not be responsible for any agreement made between you and your Agent, or lack thereof. You acknowledge that any such Agent will either be acting as an independent intermediary or an agent for you and that your Agent and is wholly separate and independent from the LUX PROPERTY CLUB and is not an agent, associate or employee of LUX PROPERTY CLUB or any member of the LUX PROPERTY CLUB. You further acknowledge that your Referral Agent is not authorized to make any representation relating to us or our services.

We do not control, and cannot endorse or vouch for the accuracy or completeness of any information, recommendation or advice you may have received or may receive in the future from a Referral Agent. Since the Referral Agent is not an agent or employee of LUX PROPERTY CLUB or any member of the LUX PROPERTY CLUB, it is your responsibility to properly evaluate a Referral Agent before engaging its services.

You are specifically made aware that your agreement with your Agent may result in additional costs for you as

• We may pay one-off or regularly scheduled fees or commissions to such person or entity from your Account or by us directly; and
• Where you and your Agent agree to compensation on a per-trade basis depending on your activity, such compensation to the Agent may be in the form of a commission and/or require you to incur a mark-up, above and beyond the ordinary spread provided by us. Such compensation may be paid to the Agent from your Account or by us directly.

You acknowledge and accept that frequent transactions may result in a sum of total commissions, fees or charges that may be substantial and may not necessarily be offset by the net profits, if any, achieved from the relevant trades. It is your and the Agent's responsibility for correctly assessing whether the size of the total commissions, fees or charges for trades conducted and paid from your Account is commercially viable. We only act as Principal, and therefore are not responsible for the size of the commissions, fees or charges paid by you to your Agent.

You understand and agree that the Agent will have access to information held by us relating to your activity with our company. You further understand that your Agent may have been introduced to us by a third party who may be compensated based on your introduction to us or on your activity history. Where this occurs, you agree that the third party who introduced your Agent will have access to information held by us relating to your activity.

Manifest Errors

A ''Manifest Error'' means a manifest or obvious misquote by us, or any market, exchange, price providing bank, information source, commentator or official on whom we reasonably rely which is not indicative of fair market value at the time an Order is placed. A Manifest Error could include but is not limited to, inaccurate third party or liquidity provider data or pricing, a mistype of a quote, an erroneous quote or misquote provided by a Dealer or a System due to the failure of any software, hardware, whether given by telephone and/or other electronic means. When determining whether a situation amounts to a Manifest Error, we may take into consideration all information in our possession including, without limitation, information concerning all relevant market conditions and any error in, or lack of clarity of, any information source or announcement.

We will, when making a determination as to whether a situation amounts to a Manifest Error, act fairly towards you but the fact that you may have entered into, or refrained from entering into, a corresponding financial commitment, contract or Transaction in reliance on an Order placed with us (or that you have suffered or may suffer any loss of profit, consequential or indirect loss) will not be taken into account by us in determining whether there has been a Manifest Error. We reserve the right, without prior notice, to:

• amend the details of relevant Transactions to reflect a price which is on or near the prevailing market prices, which will be determine by us in our sole and absolute discretion, acting in good faith, to be the correct or fair terms of such Transaction absent such Manifest Errors;
• If you do not promptly agree to any amendment made under (a) herein, void from its inception any Transaction resulting from or deriving from a Manifest Error or close or liquidate the Transaction or any Open Position resulting from such Transaction; and/or
• Refrain from taking and refuse to take any action at all to amend the details of such a Transaction or to void, terminate, close or liquidate such Transaction.
• If there are any technical issues, or any error caused by the mentioned above, resulting in profit or loss, the positions and their results will be treated fairly by the company and take the suitable action in order to rectify the results, and the company preserve its rights without a prior notice.

Complaints

Any complaints or objections shall be directed to LUX PROPERTY CLUB's Support Department by email at support@luxpropertyclub.com.

Submission of your complaint or objection to us in respect of a Transaction or alleged Transaction will not relieve you from your duty to manage your risks and mitigate your losses. Without prejudice to any of our other rights to close a Transaction under this Agreement, if we are in dispute with you in respect of a Transaction or alleged Transaction or any communication relating to a Transaction, we may, at our absolute discretion and without notice to you, close any such Transaction or alleged Transaction.

We reasonably believe such action to be desirable for the purpose of limiting the maximum amount involved in the dispute, and we will not be under any obligation to you in connection with any subsequent movement in the level of the Transaction concerned. We will take reasonable steps to inform you that we have taken such action as soon as practicable after doing so.

Exclusion responsibility building condition

LUX PROPERTY CLUB is not responsible for circumstances beyond the control of LUX PROPERTY CLUB. This includes but is not limited to the present and future condition of the building, apartment or land, weather conditions, acts of war or terrorism, catastrophic events that affect the condition of the building, apartment, or land and thus the cash back payments.

Default on rental payments

LUX PROPERTY CLUB is not responsible for the loss of rental payments due to vacancy, insolvency of the tenants, and other reasons beyond the control of LIX PROPERTY CLUB, including but not limited to weather conditions, acts of war or terrorism, catastrophic events that affect the rental payments of the building or apartment and thus the cash back payments.

Change of legal framework

LUX PROPERTY CLUB is not liable for any damage, failure or loss of rights under the membership certificates that are due to local, regional or national laws being introduced or changed in such a way that the ownership of real estate, the leasing of real estate, the development of land or otherwise the business model as a whole is affected.

Costs for repairs, restoration, reconstruction and vacancy

LUX PROPERTY CLUB will allocate the costs of repairs, rehabilitation or reconstruction not covered by insurance between the owners of the membership certificates of the property according to the membership proportions and will suspend cash back payments until the costs are covered. This also applies to the ongoing costs during a vacancy of the property due to reasons beyond the control of LUX PROPERTY CLUB. LUX PROPERTY CLUB is not obliged to rebuild the property if this is not economically reasonable.

Performance

Real estate prices are subject to constant volatility. LUX PROPERTY CLUB assumes no liability for losses in the value of the membership certificates resulting from a revaluation based on current market prices of the underlying property.

Amendments

We reserve the right at any time to: Change the terms and conditions of this Agreement, terms and conditions, enhance, add to, modify or discontinue the website, or any portion of the website or the terms and conditions, at any time in our sole discretion.

If you provide information to us, access or use the website or participate in any way after this Agreement and terms and conditions have been changed, you will be deemed to have read, understood and consented to and agreed to such changes. The most current version of this Agreement will be available on the website and will supersede all previous versions of this Agreement. If you choose to object to amendments to these Terms and conditions or any arrangements made hereunder, you must notify us in writing. If you do object to the amendment, you have to notify us, You must withdraw all funds remaining to the credit of your Account after payment of any amounts due to us and close your Account.

Any amended Terms will supersede any previous agreement between us on the same subject matter and will govern any Transaction entered into after, or outstanding on, the date the amended Terms comes into effect.

You may terminate these Terms immediately by giving written notice to us.

We may suspend or terminate these Terms and/or your Account immediately for any reason or no reason whatsoever. Where we suspend your Account, we may prevent you from opening any new positions but we will not close your open positions unless otherwise allowed under these Terms.

Upon termination of these Terms, all amounts payable by you to us will become immediately due and payable including (but without limitation):

• All outstanding fees, charges and commissions;
• Any expenses incurred by terminating these Terms; and
• Any losses and expenses realized in closing out any Transactions or settling or concluding outstanding obligations incurred by us on your behalf.

Termination of these Terms will not affect any rights or obligations, which may already have arisen between us and you. The termination of these Terms will not affect the coming into force or the continuance in force of any provision in these Terms which is expressly, or by implication, intended to come into, or continue in force, on or after such termination.

If termination occurs, we will, as soon as reasonably practicable and subject to these Terms, deliver to you any funds or investments in your Account(s) subject to any applicable charges and rights of set-off. A final statement will be issued to you where appropriate.

In the Event of Death

Where you are a natural person, in the event of your death, any person(s) purporting to be your legal personal representative(s) or surviving joint account holder must provide us with formal notice of your death in a form acceptable to us, including but not limited to the provision of an original death certificate in physical form.

Upon the receipt and acceptance of your death certificate, we will treat your death as an Event of Default allowing us to exercise any of our rights including but not limited to closing any and all open positions within your Account. These Terms will continue to bind your estate until terminated by your legal personal representative or by us.

Person shall not be proven to be your legal personal representative until we receive the appropriate legal documentation. Once we receive such documentation, we will accept and execute written Orders from your legal representative(s). We will only accept Orders that aim to wind-down and/or close your Account. Where we have not received any Orders after six months following receipt of your death certificate, we may, in our sole and absolute discretion (but shall not be obliged to), re-register your holdings into the name of your legal representative, re-materialize any electronic holdings and send such holdings in certificated form to the registered correspondence address for your estate, subject to appropriate charges.

Any applicable charges as detailed in the Fees will still be charged until the Account is closed.

Notwithstanding anything in these Terms, if the Agreement is not terminated within two years after the date of your death, we may take such action as we consider appropriate to close your Account. Your estate or your legal representative(s) will be liable for all costs associated with us taking this action, or considering taking action, except to the extent that costs arise because of our negligence, willful default or fraud.

Intellectual Property

Our Website, System, Secure Access Website and any and all information or materials that we may supply or make available to you (including any software which forms part of those items) are and will remain our property or that of our service providers. Such service providers may include providers of real-time price data to us. In addition:

• All copyrights, trademarks, design rights and other intellectual property rights in those items are and will remain our property (or those of third parties whose intellectual property we use in relation to products and services we provide for your Account);
• We supply or make them available to you on the basis that: (i) we can also supply and make them available to other persons; and (ii) we may cease providing them at our sole and absolute discretion or if our service providers require us to do so;
• You must not supply all or part of them to anyone else and you must not copy all or any part of them;
• You must not delete, obscure or tamper with copyright or other proprietary notices we may have put on any of those items; and/or (e) you must only use these items for the operation of your Account in accordance with these Terms.

Confidentiality and Data Protection

We may obtain information (including personal data) from you during the course of our relationship with you. This section describes some of the key issues in relation to how we process this personal data, which you should be aware of.

In accordance with Applicable Law, and subject to the following, we will treat all information we hold about you as private and confidential, even when you are no longer a customer. You agree that we, or any member of the LUX PROPERTY CLUB, may:

• use your information to (i) determine your identity and background before and during the term of these Terms for money laundering and regulatory purposes, (ii) administer and operate your Account and monitor and analyze its conduct, (iii) provide services to you, (iv) improve any of our operations, procedures, products and/or services during the term of these Terms, (v) assess any credit limit or other credit decision (and the interest rate, fees and other charges to be applied to your Account) and (vi) carry out statistical and other analysis;
• use your personal data including your contact details, application details and details of the service we provide you and how you use them, to decide what products and services may be of interest to you;
• contact you by telephone (including automated calls), post, email and other electronic messages such as short text, video and picture messaging, and fax, with information, news, events and seminars and generally for the purpose of promoting our services and those of the LUX PROPERTY CLUB and other selected third-party service providers to you; and
• Use your personal data to comply and cooperate with the requirements of regulators and the courts and to comply with our legal obligations.

You hereby specifically and explicitly agree that we may share your personal data with any of our Service Providers in connection with providing you with services under or in connection with these Terms, including but not limited to, data processors, information technology service providers, platform providers, marketing services providers, credit card related services providers, or any member of the LUX PROPERTY CLUB who may only use it for the same purposes as us. Such purposes include the processing of Orders and the generation of confirmations of Transactions, the operation of control systems and the operation of management information systems. We will take appropriate measures to protect the security of your personal data. In order to comply with our obligations under various legislative and regulatory requirements we may be required to make certain disclosures relating to you or your Account, which may or may not involve disclosing your identity. In addition to complying with such obligations, we may comply with any request for information pertaining to you from any relevant regulatory or government authority. You agree that such compliance does not constitute a breach of any obligation of confidentiality, which we owe you pursuant to these Terms and Conditions.

PRIVACY POLICY

With this privacy policy, we are explaining what data and information we may collect from you and how we may use that information. Please read this privacy policy and associated notices and terms and conditions, so that you are fully aware of how and why we are using your data. This privacy policy is in addition to the other privacy notices and is not intended to override them. If you provide personal information to us about other individuals, we will process such information in accordance with this privacy policy.

Our Data Protection Officer (''DPO'') is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights, please contact the DPO using the details set out below. Email: support@luxpropertyclub.com. Postal address: Dubai, UAE, Address: Greenbull Platinum Tower, 30th floor Jumeirah Lake Towers Dubai. If you wish to contact us to make a complaint about how we handle your personal data, you can do so through our Data Protection Officer (whose contact details are above).

This policy was last updated on the date shown at the bottom of the document. We will only use your personal data for the purposes for which we collected it, or for reasons which we believe are compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact the DPO using the contact details provided.

We reserve the right to make changes to this policy from time to time, and we will do that without notifying you. If you enter our website it means you have read all updated policies. However, if we need to use your personal data for an unrelated purpose, we will notify you, and we will explain the legal basis, which allows us to do so.

Please note that we will not process your personal data without your knowledge or consent unless this is required or permitted by law. In such cases, we will do so only in compliance with the law. Please notify us if the personal data we hold about you is not accurate and current.

Personal data, or personal information, means any information which can be used to identify an individual. It includes pseudonyms such as unique identifiers (e.g. client, name, address, or any other identification), but excludes data from which a person cannot be identified from (anonymized data). The data that are and could be collected are, but are not limited to your username, your email address, residence information, mobile phone. The person that has referred you to us may be provided with your email address/s. The information that we collect will depend on your relationship with us.

Our website includes links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

From time to time, we may use data processors who process your personal data outside of the European Economic Area (EEA). In these cases, we will always ensure a similar degree of protection is afforded to your data by ensuring at least one of the following safeguards is implemented. We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission. Where we use certain service providers, we may use specific contracts approved by the European Commission, which give personal data the same protection it has in Europe. Please contact the DPO if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.

We will only retain your personal data for as long as reasonably necessary to fulfil the relevant purposes set out in this privacy notice and to satisfy our legal, statutory, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements, but not longer than 5 years.

In some circumstances, we may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. Also, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Request access to your personal data (commonly known as a ''data subject access request''). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected. However, we may need to verify the accuracy of the new data you provide to us.

This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing, where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party), and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful, but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

Object to automated decision making or profiling. This enables you to ask us not to subject your personal data to automated decision-making or profiling with legal or similarly significant effects.

If you wish to exercise any of your rights above, please contact the DPO.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information about your request to speed up our response.

We shall respond to all legitimate requests within one month unless your request is particularly complex or you have made several requests. In this case, we will notify you and keep you updated and may take longer to respond. We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. We may use your personal data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you. You may receive marketing communications from us if you have given us your contact details when signing up for a service from us and by using our services and entering into business cooperation with us, you agree with everything abovementioned. We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. Besides, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need-to-know. They will only process your personal information on our instructions, and they are subject to a duty of confidentiality.