These terms of use (together with the documents referred to in them) tell you the terms on which you may make use of our website valverge.com and any of its sub domains (“our Website“). Our Website is operated by valverge Limited (“we“, “us” or “our“). These terms of use apply whether you are using our Website as a guest or as an account holder (a “member“). Use of our Website includes accessing, browsing, opening an account with us and completing our sign-up procedures to our satisfaction. Please read these terms of use carefully before you start to use our Website as they will apply to your use of our Website. We recommend that you print a copy of these terms for future reference. By using our Website, you confirm that you accept these terms of use and that you agree to comply with them and any applicable laws and regulations. If you do not agree to these terms of use, you must not use our Website. If you are using our Website on behalf of an organisation of which you are an employee, officer, agent or other contractor, such organisation will be responsible to us for ensuring you and any other person who uses our Website on the organisation's behalf complies with these terms of use. You confirm that you have the authority to accept such responsibility on behalf of your organisation. 2. Other applicable terms These terms of use refer to our Data & Privacy Policy available at valverge.com. Certain content is made available to all users of our Website. However, if you wish valverge Limited to: * manage your portfolio on a discretionary basis; and * arrange for the safe custody of your investments with an authorised custodian. (together, “our services“), you will need to open an account with us and complete our sign-up procedures to our satisfaction. 3. Change to these terms and our website We may revise these terms of use at any time by amending this page. Please check this page every time you wish to use our Website to take notice of any changes we make as they are binding on you. We may update our Website from time to time and may change the content at any time. However, please note that any of the content on our Website could be out of date at any given time and we are under no obligation to update it. 4. Accessing our website Our Website is made available free of charge. We reserve the right to restrict access to some parts of our Website to members and to only deliver our services to members. We guarantee that our Website, or any content on it, or our services will always be available and that it will be free from errors. Access to our Website is permitted at all times. We change or restrict the availability of all or any part of our Website with our customer notice. We will be liable to you if for any reason all or any part of our Website is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.