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NTWGOLD.COM Terms and Conditions

1. Introduction

By using and placing an order for products through the ntwgold.com website (the “Website"), you agree to the terms and conditions set for the below (the “Terms and Conditions"). The Terms and Conditions is a legally binding agreement made by and between AT NTW GOLD (“AT NTW GOLD", “our," “we" or “us"), and you, personally and, if applicable, on behalf of the entity for whom you are using the Website (“the Customer", “the customer", “you" or “your"). The Terms and Conditions govern your use of the Website and the products and services we offer on the Website, including making purchases from AT NTW GOLD and placing orders with AT NTW GOLD

THESE TERMS AND CONDITIONS APPLY TO ALL ORDERS, PURCHASES, WHETHER MADE VIA THE WEBSITE, OR OTHERWISE. YOU MUST READ AND ACCEPT ALL OF THESE TERMS AND CONDITIONS BEFORE PLACING AN ORDER TO PURCHASE WITH AT NTW GOLD STRONGLY ENCOURAGES YOU TO PRINT A COPY FOR FUTURE REFERENCE.

We may request that you submit certain personally identifiable information about yourself, including, but not limited to your first and last name, company, email address, telephone number, mailing address, billing address, shipping address, country of residence, credit card type, credit card number, credit card expiration date, and credit card security code. We may also gather certain types of non-personal information about your visit to protect the security of our members, the Website, or to make our products and services more beneficial to you. All information gathered from you by us will be governed by our Privacy Policy, which is hereby incorporated into these Terms and Conditions, by reference. In the event of a conflict between the terms set forth in these Terms and Conditions and our Privacy Policy, the terms of the Privacy Policy will control.

Please carefully review our Privacy Policy, regarding personal information provided by you, for further information regarding our data collection, use, and disclosure practices. BY USING THE WEBSITE, YOU REPRESENT AND WARRANT, WITHOUT LIMITATION, THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THE TERMS OF THIS AGREEMENT. IF YOU DO NOT UNDERSTAND OR DO NOT AGREE TO BE BOUND BY AND COMPLY WITH THE TERMS OF THIS AGREEMENT AND ANY OTHER SUPPLEMENTAL TERMS, DISCLOSURES, AND DISCLAIMERS, YOU MUST IMMEDIATELY LEAVE THE WEBSITE.

WE RESERVE THE RIGHT TO MAKE CHANGES TO THESE TERMS AND CONDITIONS AT ANY TIME AND YOU AGREE THAT WE MAY CHANGE THE TERMS AT ANY TIME. YOU AGREE FURTHER THAT WE MAY MAKE CHANGES TO THE WEBSITE AT ANY TIME IN OUR SOLE DISCRETION, FOR ANY REASON OR NO REASON AND WITHOUT PRIOR NOTICE TO YOU. YOU AGREE THAT IF YOU CONTINUE TO USE THE WEBSITE AFTER WE HAVE POSTED A CHANGE TO THESE TERMS AND CONDITIONS, THEN YOU ARE BOUND BY THE MOST RECENT VERSION OF THESE TERMS AND CONDITIONS.

By purchasing from or ordering from AT NTW GOLD, whether through the Website or otherwise, you are subject to all terms, policies, rules, restrictions, obligations, representations, and warranties, with which you hereby agree to comply.

Because this Agreement contains legal obligations, please read them carefully. Please direct any legal questions to:

Attn: Customer Support Department, AT NTW GOLD Email: support@ntwgold.com

We may change the terms of this Agreement from time to time. By continuing to use the ntwgold.com website after we post any such changes, you accept the Agreement, as modified.

2. Purchase and Order Policies and Procedures

You may make purchases and order from AT NTW GOLD only in accordance with these Terms and Conditions and accompanying policies and procedures.

Upon placing an order to purchase with AT NTW GOLD, you have entered into a binding and legally enforceable agreement. Prices and availability are subject to change, without notice. When placing an order on the Website, the price at which your order is submitted is the guaranteed price. An “order number" will subsequently be forwarded to you via email. Your credit card information is required to guarantee all orders.

In order to reserve your order you must make 5% security deposit of the deal via payment options we accept. Please carefully review our Payment Options and Accepted Payment Methods. For bank wire orders you will have 48 hours to make 5% security deposit of the deal. After completing your bank wire order for 5% security deposit of the deal you must email us a scanned copy of your payment order marked by the bank as executed at support@ntwgold.com. Since the time AT NTW GOLD receives the scanned copy of your original payment order for 5% security deposit your order is reserved. In case 5% security deposit wire order is not received in its entirety within seven (7) business days since the date of bank wire we cancel the order and send you notification by email that the order could not be completed.

In order to execute your order your remaining payment of 95% of the deal in total or the last portion of 100% payment must be received by AT NTW GOLD within five (5) business days since the date of security deposit payment for bank wire orders.

For online payments by credit or debit card or by e-payment system(s) your remaining payment of 95% of the deal in total or the last portion of 100% payment must be received by AT NTW GOLD within five (5) business days since the date of security deposit payment in order to fulfill your order.

If any order is in error, due to AT NTW GOLD's fault or otherwise, we reserve the right to cancel the order.

Without limiting any other legal or equitable rights and remedies that may be available to AT NTW GOLD, in the event of any failure by you to comply with these Terms and Conditions, AT NTW GOLD may suspend or terminate your account. The suspension or the termination of your account shall not affect your obligations as set forth in these Terms and Conditions.

Additional terms, including, without limitation, prices, payment methods, refund and cancellation policies, and exchange policies may be posted from time to time on the Website. Fraud. We reserve the right, but undertake no obligation, to actively report and prosecute actual and suspected credit card fraud. We may, in our discretion, require further authorization from you such as a telephone confirmation of your order and other information. We reserve the right to cancel, delay, refuse to ship, or recall from the shipper any order if fraud is suspected. We capture certain information during the order process, including, without limitation, information that will be used to locate and identify individuals committing fraud. If any Website order is suspected to be fraudulent, we reserve the right, but undertake no obligation, to submit all records, with or without a subpoena, to all law enforcement agencies and to the credit card company for fraud investigation. We reserve the right to cooperate with authorities to prosecute offenders to the fullest extent of the law.

3. Payment Options

AT NTW GOLD requires that all payments be made via credit card, debit card, bank wire or by e-payment system(s). Please carefully review Accepted Payment Methods. Depending upon the amount of an order, AT NTW GOLD reserves the right to request additional documentation for certain credit card orders. Direct bank wire is always recommended. By choosing to pay with a credit or debit card, you expressly authorize AT NTW GOLD to authorize and capture your credit card payment prior to shipment.

AT NTW GOLD expressly reserves the right to refuse or cancel any order, for any reason, at its sole discretion, regardless of payment method and price confirmation.

4. Payment Instructions

AT NTW GOLD will issue payment instructions to you during the ordering process and via email following completion of your order. AT NTW GOLD does not accept Cash on Delivery orders. AT NTW GOLD reserves the right to cancel orders where security deposit is not performed by you within 48 hours for bank wire orders.

5. Pricing Information

Product prices appear on ntwgold.com website based on the London PM fix and appear in euro. Please carefully review Rates. The final price for gold is set only after the last portion of payment for the desirable amount of gold is received by AT NTW GOLD.

100% price of your order consists of 5% security deposit of the deal and 95% of the remaining payment(s). 5% security deposit of the deal is non-refundable. Please review carefully our Refund Policy.

AT NTW GOLD cannot confirm the price of an item until after your 100% payment is made. Pricing errors may occur on ntwgold.com website. AT NTW GOLD reserves the right to cancel any orders containing pricing errors, with no further obligations to you, even after your receipt of an order confirmation or shipping notice from AT NTW GOLD AT NTW GOLD may, at its discretion, either contact you for instructions or cancel your order and notify you of such cancellation.

The price on ntwgold.com website does not include any taxes or custom duties. The customer is solely responsible for paying all custom duties and taxes. AT NTW GOLD with the help of logistics partner is helping the customer to go through customs procedures for additional cost.

6. Cancellation Policy

Once you have made the 5% security deposit with AT NTW GOLD you have entered into a binding legal agreement, and cannot cancel the confirmed order.

After AT NTW GOLD has shipped the product, the order is final and cannot be canceled. If you refuse shipment the product will be returned to us and you must pay to have it reshipped. Please review carefully our Return Policy.

AT NTW GOLD reserves the right to refuse or cancel an order for any reason or for no reason at all, regardless of payment method or price confirmation, including without limitation, for orders AT NTW GOLD deems questionable or suspicious, for orders AT NTW GOLD deems to be a significant risk, when the confirmed price is incorrect, for abrupt movements in the precious metals market, and/or when AT NTW GOLD does not receive payment within the allotted time frame.

AT NTW GOLD is not responsible for pricing or typographical errors and expressly reserves the right, in its sole and absolute discretion, to cancel any and all orders placed with respect to such items. IN the event of a cancelled order AT NTW GOLD will contact you directly with notification of the cancellation.

7. Refund Policy

AT NTW GOLD's refund policy is limited to five (5) business days from the date that you receive the item. The refund (except 5% security deposit and losses from price shift) happens in five (5) business days. 5% security deposit of the deal is non-refundable according with the agreement written on the website. The final price for gold is set only after the last portion of payment for the desirable amount of gold is received by AT NTW GOLD.

8. Return Policy

AT NTW GOLD's return is limited to five (5) business days from the date that you receive the item. You must notify AT NTW GOLD's Customer Service Department within five (5) business days from the date that you receive the item and follow the instructions provided to you, at that time.

In case the Customer is not willing to accept shipment by Brink's Incorporated or is not satisfied the Customer has to return the shipment by the same carrier (Brink's Incorporated). In this case the bars have to be returned in unopened condition. The refund will be made in full except the costs of delivery and return of the 5% security deposit. All the costs of return are to be paid by the Customer. The refund is made in twenty (20) business days after bars are delivered back to the vault to VIA MAT Dubai at disposal of AT NTW GOLD. Please review carefully our Shipping Details.

In case if the Customer has not ordered the bars and is willing to get the refund of his accumulated payments it is possible in 10 business days with the exclusion of initial non-refundable 5% security deposit for intended purchase.

Shipping and handling charges are non-refundable. You are fully responsible for all taxes, as well as return shipping and handling costs. AT NTW GOLD may reject any returned item that does not reasonably conform to these terms. Returns and refunds are subject to AT NTW GOLD's Market Loss Policy. Any and all market gains on refunds and returns shall belong solely to AT NTW GOLD

9. AT NTW GOLD Market Loss Policy

Upon receipt of non-refundable 5% security deposit by AT NTW GOLD, the order is guaranteed and you may not cancel the transaction. As set forth above, all cancellations are subject to our market loss policy. Market gains on cancellations or returns shall remain the property of AT NTW GOLD 5% security deposit of the deal is non-refundable according with the agreement written on the website.

Without limiting any other legal or equitable rights and remedies that may be available to AT NTW GOLD, AT NTW GOLD may elect to apply any and all of your funds in its possession to satisfy your monetary obligations and/or may offset any obligations that AT NTW GOLD may have to you. AT NTW GOLD also reserves the right, in its sole and absolute discretion, to apply any/all funds in its possession toward the satisfaction of your obligations to AT NTW GOLD

10. Shipping Details

The items are shipped directly from the producer (Emirates Gold DMCC) or producer's stock in the appropriate vault (VIA MAT Dubai). We keep the right to use the following method of delivery to our customers such as expedited shipment by Brink`s Incorporated. An alternative is vault storage services for later withdrawal by the customer.

As the exclusive shipment, insurance and security partner for Emirates Gold DMCC is Brink's Incorporated http://www.brinks.com/ we keep the right to ship your order to you by the mentioned above carrier.

The cost per shipment is 50 euro. If in the country of residence of the customer additional taxes are applied such as excise taxes the customer is fully responsible for them.

In case the Customer is not willing to accept shipment by Brink's Incorporated or is not satisfied the Customer has to return the shipment by the same carrier (Brink's Incorporated).

Shipment may take up to thirty (30) days from completed payment, depending upon the customer's location. Note that this 30 day period is IN ADDITION to all payment clearing times and any product-specific delays. Applicable taxes, as well as shipping and handling charges are not reflected. You are fully responsible for applicable taxes, and shipping and handling charges. Each package requires a signature upon delivery. AT NTW GOLD fully insures all of its shipments. Should anything happen while your package is in transit to you it will be covered by our insurance policy. However, we will not accept responsibility if you have left instructions with any carriers or delivery service to leave parcels unattended for you without the need for a signature or if you have given them instructions to leave your package with a third party. When we ship to you, if metals are lost or damaged in transit, AT NTW GOLD .assumes responsibility to pursue any claim with the insurance company. If we determine the package is lost or damaged, we will file a claim. Once the claim is filed, we reserve the right to re-ship your items or refund your money at our discretion.

Please note that AT NTW GOLD will not be responsible for reimbursements or insurance claims on packages that are successfully delivered as addressed. Our liability and insurance ceases the moment the package is signed for or left at the specified delivery address.

11. Export Compliance

Each product that AT NTW GOLD sells is subject to all International export laws.

12. Termination

This Agreement is effective unless and until terminated by either you or AT NTW GOLD You may terminate this Agreement at any time, provided that you discontinue any further use of the AT NTW GOLD Sites. AT NTW GOLD also may terminate this Agreement at any time and may do so immediately without notice, and accordingly deny you access to the AT NTW GOLD Sites, if in AT NTW GOLD's sole discretion you fail to comply with any term or provision of this Agreement. Upon any termination of this Agreement by either you or AT NTW GOLD, you must promptly destroy all materials downloaded or otherwise obtained from the AT NTW GOLD Sites, as well as all copies of such materials, whether made under this Agreement or otherwise. The following sections shall survive any termination of this Agreement: “Website Use and Restrictions," “Purchase and Order Policies and Procedures" “Pricing Information," “Export Compliance," “Intellectual Property," “Indemnity and Release," “Termination," “Disclaimer of Warranties," “Limitation of Liability," “Privacy," and “Miscellaneous."

13. Disclaimers, Exclusions and Limitations

CAUTION: All investments, including bullion, involve some degree of risk and are affected by numerous economic factors, all of which are beyond the control of AT NTW GOLD You, and not AT NTW GOLD, are responsible for such risk, including, without limitation, market volatility and inability to liquidate the products at an acceptable price, or at all. Consult your investment or financial advisor prior to purchasing and fully assess whether you possess adequate savings and income prior to considering such an investment. You represent and warrant to AT NTW GOLD that you have sufficient experience and knowledge to make informed financial decisions and that AT NTW GOLD is not making any recommendation with respect to such purchases and/or such sales.

14. Disclaimer of Warranties

AT NTW GOLDPROVIDES THE WEBSITE, THE PRODUCTS, AND SERVICES ON AN “AS IS" AND “AS AVAILABLE" BASIS. AT NTW GOLDDOES NOT REPRESENT OR WARRANT THAT THE WEBSITE, ITS USE, ANY INFORMATION ON IT: (I) WILL BE UNINTERRUPTED OR SECURE, (II) WILL BE FREE OF DEFECTS, INACCURACIES OR ERRORS, (III) WILL MEET YOUR REQUIREMENTS, OR (IV) WILL OPERATE IN THE CONFIGURATION OR WITH OTHER HARDWARE OR SOFTWARE YOU USE. AT NTW GOLDMAKES NO WARRANTIES OTHER THAN THOSE MADE EXPRESSLY IN THESE TERMS AND CONDITIONS, AND HEREBY DISCLAIMS ANY AND ALL IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, WARRANTIES OF FOR A PARTICULAR PURPOSE, MERCHANTABILITY AND NON-INFRINGEMENT

Disclaimer of Forward Looking Statements. THIS WEBSITE MAY CONTAIN FORWARD LOOKING STATEMENTS THAT REFLECT AT NTW GOLD'S CURRENT EXPECTATION REGARDING FUTURE EVENTS AND BUSINESS DEVELOPMENT. THE FORWARD LOOKING STATEMENTS INVOLVE RISKS AND UNCERTAINTIES. ACTUAL DEVELOPMENTS COULD DIFFER MATERIALLY FROM THOSE PROJECTED AND DEPEND ON A NUMBER OF FACTORS, MOST, IF NOT ALL OF WHICH, ARE OUTSIDE OF AT NTW GOLD'S CONTROL.

PLEASE REMEMBER TO ALWAYS CONSULT WITH YOUR INVESTMENT AND FINANCIAL ADVISOR PRIOR TO PURCHASING.

Products. ALL PRODUCTS ARE SUBJECT ONLY TO ANY APPLICABLE WARRANTIES. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, AT NTW GOLD HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE HEREBY EXPRESSLY DISCLAIM ALL LIABILITY FOR PRODUCT DEFECT OR FAILURE, CLAIMS THAT ARE DUE TO NORMAL WEAR, PRODUCT MISUSE, ABUSE, PRODUCT MODIFICATION, IMPROPER PRODUCT SELECTION, NON-COMPLIANCE WITH ANY CODES, OR MISAPPROPRIATION.

Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, the disclaimers herein may not apply to you insofar as they relate to implied warranties.

15. Limitation of Liability

AT NTW GOLD SPECIFICALLY DISCLAIMS ANY LIABILITY OR RESPONSIBILITY FOR ORDER PLACED VIA THE AT NTW GOLD ONLINE ORDER ENTRY SYSTEM, FOR ANY LOSSES OR DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES THAT YOU MAY INCUR AS A RESULT OF THE USE OF THE AT NTW GOLD ONLINE ORDER ENTRY SYSEM, THE WEBSITE, AND/OR RELATED PRODUCTS/SERVICES. AT NTW GOLD SHALL NOT BE RESPONSIBLE FOR ERRORS, NEGLIGENCE, OR INABILITY TO EXECUTE ORDERS. FURTHER, AT NTW GOLD SHALL NOT BE RESONSIBLE FOR ANY DELAYS IN THE TRANSMISSION, DELIVERY, OR EXECUTION OF YOUR ORDERS DUE TO BREAKDOWN OR FAILURE OF TRANSMISSION OR COMMUNICATION FACILITIES, OR FOR ANY OTHER CAUSES BEYIND AT NTW GOLD'S REASONABLE CONTROL. AT NTW GOLD SPECIFICALLY DISLAIMS ANY LIABILITY FOR THE INTERRUPTION, CANCELLATION, OR OTHER TERMINATION OF THE AT NTW GOLDONLINE ORDER ENTRY SYSTEM.

In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, the foregoing limitation may not apply to you.

16. Indemnity and Release

You agree to defend, indemnify and hold AT NTW GOLD and its parents, subsidiaries, affiliates, officers, directors, agents, employees, licensors, members, shareholders, co-branders or other partners, employees, and advertising partners harmless from any and all claims and expenses, liabilities, losses, actions, damages, claims or demands, including reasonable attorneys' fees, made by any third-party directly or indirectly relating to or arising out of (a) content you provide to the Website or otherwise transmit or obtain through the products and/or services, (b) your use and/or purchase of the products and/or services, (c) your connection to the products and/or services, (d) your violation of these Terms and Conditions, (e) your violation of any rights of another, (f) your breach of any representation or warranty me by you to AT NTW GOLD, or (g) your failure to perform your obligations hereunder. If you are obligated to provide indemnification pursuant to this provision, AT NTW GOLD may, in its sole and absolute discretion, control the disposition of any claim at your sole cost and expense. Without limitation of the foregoing, you may not settle compromise or in any other manner dispose of any claim without AT NTW GOLD's consent.

You are hereby agreeing to release the AT NTW GOLD and its parents, subsidiaries, affiliates, officers, directors, agents, employees, licensors, members, shareholders, co-branders or other partners, employees, and advertising partners from any and all claims, demands, debts, obligations, damages (actual or consequential), costs, and expenses of any kind or nature whatsoever, whether known, suspected or unsuspected, disclosed or undisclosed, that you may have against them arising out of or in any way related to, without limitation, such disputes and/or to the Website and related products and services.

17. Relationship

The sole relationship between you and AT NTW GOLD is that of purchaser-seller. No other relationship, express or implied, including, without limitation, an agency, employee-employer, franchisee-franchisor, joint venture, or any partnership relationship exists.

18. No Waiver

Upon your failure to comply with your duties and obligations to AT NTW GOLD, the latter reserves all rights and remedies available at law or in equity. No delay or failure on the part of AT NTW GOLDin exercising any right or any remedy shall operate or be construed as a waiver of that right or that remedy. In addition, no partial exercise by AT NTW GOLD of any right or any remedy shall preclude the further exercise of that right or that remedy or the exercise of any other right or any other remedy. In the event that you fail to comply with these Terms and Conditions, you expressly authorize and grant to AT NTW GOLD the right to charge your credit card for any and all market losses incurred by AT NTW GOLD, including, without limitation, cancellation fees for accepting your orders to buy from AT NTW GOLDas a result of price and market fluctuations for which you did not fulfill.

19. No Assignment

You may not assign these Terms and Conditions, including your related rights and/or obligations, without express prior written consent of AT NTW GOLD Such consent may be granted or withheld by AT NTW GOLDat its sole and absolute discretion. These Terms and Conditions shall be binding upon and inure to the benefit any/all permitted assignees and successors of you and AT NTW GOLD

20. Force Majeure

You acknowledge and understand that if AT NTW GOLD and/or the Website are unable to provide the products and/or services as a result of a force majeure event, AT NTW GOLD and/or the Website will not be in breach of any of its obligations towards you under these Terms and Conditions. A force majeure event means any event beyond the control of AT NTW GOLD and/or the Website. AT NTW GOLDSHALL NOT HAVE ANY LIABILITY TO YOU WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER FORM OF LIABILITY FOR FAILING TO PERFORM ITS OBLIGATIONS UNDER THIS AGREEMENT TO THE EXTENT THAT SUCH FAILURE IS AS A RESULT OF A FORCE MAJEURE EVENT.

21. Website Use and Restrictions

Except as expressly provided below, the purchase of related products/services may only be consummated by, and is expressly limited to, individuals who can form legally binding contracts under applicable law. Without limitation, minors are prohibited from utilizing the Website and/or related services.

You must comply with all of the terms set forth in these Terms and Conditions, the policies referred to herein, and all applicable laws, rules and regulations when you use the Website.

Subject to these Terms and Conditions, you are hereby granted a limited, non-exclusive right to use the content and materials on the Website in the normal course of your use of the Website. You may not use any third-party intellectual property without the express written permission of the applicable third-party, except as permitted by law. The Website will retain ownership of its intellectual property rights and you may not obtain any rights therein by virtue of these Terms and Conditions or otherwise, except as expressly set forth in these Terms and Conditions. You will have no right to use, copy, display, perform, create derivative works from, distribute, have distributed, transmit or sublicense from materials or content available on the Website, except as expressly set forth in these Terms and Conditions. You may not attempt to reverse engineer any of the technology used to provide the products and/or services.

In your use of the Website and the products and/or services, you may not: (i) infringe any patent, trademark, trade secret, copyright, right of publicity or other right of any party; (ii) defame, abuse, harass, stalk any individual, or disrupt or interfere with the security or use of the products and/or services, the Website or any websites linked to the Website; (iii) interfere with or damage the Website or products and/or services, including, without limitation, through the use of viruses, cancel bots, Trojan horses, harmful code, flood pings, denial of service attacks, packet or IP spoofing, forged routing or electronic mail address information or similar methods or technology; (iv) attempt to use another user's account, impersonate another person or entity, misrepresent your affiliation with a person or entity, including (without limitation) the Website or create or use a false identity; (v) attempt to obtain unauthorized access to the Website or portions of the Website that are restricted from general access; (vi) engage, directly or indirectly, in transmission of “spam," chain letters, junk mail or any other type of unsolicited solicitation; (vii) collect, manually or through an automatic process, information about other users without their express consent or other information relating to the Website or the products and/or services; (viii) use any meta tags or any other “hidden text" utilizing the AT NTW GOLDname, trademarks, or product names; (ix) advertise, offer to sell, or sell any goods or services, except as expressly permitted by the Website; (x) engage in any activity that interferes with any third party's ability to use or enjoy the Website or products and/or services; or (xi) assist any third party in engaging in any activity prohibited by these Terms and Conditions.

22. Intellectual Property

All copyrights, trademarks, trade dress, other intellectual property and materials, including page headers, images, text, illustrations, formats, logos, designs, icons, photographs, programs, music clips or downloads, video clips and written and other materials (collectively, the "IP") are owned, controlled or licensed by AT NTW GOLD, one of its affiliates or by third parties who have licensed their materials to AT NTW GOLD and are protected by UAE and international trademark and copyright laws. You may access, view, download, and print the IP and all other materials displayed on the AT NTW GOLD Sites for your personal, non-commercial use only; provided, however, that you (1) retain all copyright, trademark or other proprietary designations contained on all IP; (2) do not modify or alter the IP in any way; and (3) do not provide or make available the IP to any third party in a commercial manner. No license, right, title, or interest in any materials or software is transferred to you as a result of your use of the AT NTW GOLD Sites or your accessing, viewing, downloading, or printing of the IP. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of or exploit in any way, in whole or in part, any of the IP, the AT NTW GOLD Sites or any related software. All software used on the AT NTW GOLD Sites is the property of AT NTW GOLD or its suppliers and protected by UAE and international copyright laws. The IP and software on the AT NTW GOLD Sites may be used only as a shopping resource. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the IP on this Site is strictly prohibited. The compilation (meaning the collection, arrangement, and assembly) of all IP on the AT NTW GOLD Sites is the exclusive property of AT NTW GOLD and is also protected by UAE and international copyright laws. AT NTW GOLD, AT GOLD, the atgold.com names and logos, and all other graphics, logos, page headers, button icons, scripts, and service names included in or made available through any of the AT NTW GOLD Sites are trademarks or trade dress of AT NTW GOLD in UAE and other countries. All other marks are the property of their respective companies.

23. Third Party Sites

References on the ntwgold.com website to any names, marks, products, or services of third parties, or links to third-party sites or information are not an endorsement, sponsorship, or recommendation of the third party, its information, products, or services. AT NTW GOLD is not responsible for the content of any third party linked site or any link contained in a linked site. Your use of a third-party site linked from the ntwgold.com website is at your own risk and will be governed by such third party's terms and policies.

24. Miscellaneous

This Agreement represents the complete agreement between the parties and supersedes all prior agreements and representations between them. Headings used in this Agreement are for reference purposes only and in no way define or limit the scope of the section. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable and the other terms of this Agreement shall remain in full force and effect. The failure of AT NTW GOLD to act with respect to a breach of this Agreement by you or others does not constitute a waiver and shall not limit AT NTW GOLD 's rights with respect to such breach or any subsequent breaches. This Agreement shall be governed by and construed under UAE law without regard to conflicts of law provisions. Any action or proceeding arising out of or related to this Agreement or your use of the ntwgold.com website must be brought in courts of UAE and you consent to the exclusive personal jurisdiction of such courts.

25. Severability

If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect.

26. Entire Agreement

This Agreement constitutes the entire agreement between you and AT NTW GOLD and governs your use of the Website, superseding any prior agreements.

27. Statute of Limitations

YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF RELATED TO THE AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.

28. Privacy

Use of this Website is subject to the terms of our Privacy Policy, which is hereby incorporated into and made part of these Terms and Conditions. Please carefully review our Privacy Policy. By using this Website, you agree to be bound by the terms of our Privacy Policy. We reserve the right, and you authorize us, to use information regarding your use of this Website, account registration, and any other personal information provided by you in accordance with our Privacy Policy.

Last updated on 23/12/2017

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