Terms and Conditions

Last updated: January 29, 2024

Please read these terms and conditions carefully before using Our Service.

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purpose of these Terms and Conditions:

Account means a unique account created for You to access our Service or parts of our Service.

Country refers to: Singapore

Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Plusconcept Pte. Ltd., 12 Purvis Street, #02-01, 188591, Singapore.
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

Free Trial refers to a limited period of time that may be free when purchasing a Subscription.

Service refers to the Website.

Subscriptions refer to the services or access to the Service offered on a subscription basis by the Company to You.

Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

Website refers to Myposte by Plusconcept, accessible from www.plusconcept.space

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

Subscriptions

Subscription period

The Service or some parts of the Service are available only with a paid Subscription. You will be billed in advance on a recurring and periodic basis (such as daily, weekly, monthly or annually), depending on the type of Subscription plan you select when purchasing the Subscription.

At the end of each period, Your Subscription will automatically renew under the exact same conditions unless You cancel it or the Company cancels it.

Subscription cancellations

You may cancel Your Subscription renewal either through Your Account settings page or by contacting the Company. You will not receive a refund for the fees You already paid for Your current Subscription period and You will be able to access the Service until the end of Your current Subscription period.


Billing

You shall provide the Company with accurate and complete billing information including full name, address, state, zip code, telephone number, and a valid payment method information.

Should automatic billing fail to occur for any reason, the Company will issue an electronic invoice indicating that you must proceed manually, within a certain deadline date, with the full payment corresponding to the billing period as indicated on the invoice.

Location and mailbox

You subscribe to be provided with an address and mailbox with digital services. You subscribe to a mailbox and an address. It is up to the discretion of the operator and company to change the address due to operational reasons as long as you are provided an operational mailbox. Subscriptions are non-refundable based on location changes.

Refunds

Except when required by law, paid Subscription fees are non-refundable.

Certain refund requests for Subscriptions may be considered by the Company on a case-by-case basis and granted at the sole discretion of the Company.

Free Trial

The Company may, at its sole discretion, offer a Subscription with a Free Trial for a limited period of time or usage.

At any time and without notice, the Company reserves the right to (i) modify the terms and conditions of the Free Trial offer, or (ii) cancel such Free Trial offer.

User Accounts

When You create an account with Us, You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account on Our Service.

You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password, whether Your password is with Our Service or a Third-Party Social Media Service.

You agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.

You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party websites or services that You visit.

Termination

We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 SGD if You haven't purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

   

"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Governing Law

The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

Severability and Waiver


Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.


Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.


Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.


Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.


Contact Us

If you have any questions about these Terms and Conditions, You can contact us:
By email: hello@plusconcept.space

Myposte Use Of Service   

1. You agree that you will not use the Service for any unlawful, illegitimate, or fraudulent purpose, or for any purpose prohibited by local / international postal regulations. Violations of this might lead to termination of the account. Misuse of the above might result in a Myposte fine of SGD 500 - 1000 asides from legal charges if authorities have been involved. We deserve the right to charge your account.

2. You must use the exact mailing address for the mailbox without major modification. The Postal Service will return mail without a proper address to the sender endorsed “Undeliverable as Addressed.” 

3. You agree that any use of the Mailbox shall be in conformity with all applicable federal, state, and local laws. 

4. As your Commercial Mail Receiving Agent (“CMRA”), the Company will receive your mail and packages during the time that your account is active with us. An “Active Account” is an account that is not cancelled and is not suspended or terminated by the Company for any violation of policies as set forth in this TOS. 

5. You agree to use the proper mailing address for the Mailbox given to you when you sign up for the Service. You understand and agree that the Company has no liability for any undeliverable mail resulting from improper address or address formats. It is your sole responsibility to make sure that the address you use is correct. 

6. Your Account, Password, and Security. As a condition to using the Service, you are required to register with the Company and select a password and user name (“User ID”). You shall provide us with accurate, complete, and updated registration information. You may not (i) select or use as a User ID a name of another person with the intent to impersonate that person; or (ii) use as a User ID a name subject to any rights of a person other than you without appropriate authorization. We reserve the right to refuse registration of, or cancel a User ID in its discretion. You shall be responsible for maintaining the confidentiality of your account information, including your password. 

7. Content. “Content” means any information that may be generated through the use of the Service, such as data files, written text, software, images, messages, graphics, and any other like materials. You understand that all Content, whether publicly or privately transmitted on the Service, is your sole responsibility. This means that the you are solely responsible for any Content that is transmitted through email, downloaded via the web browser or any mobile device, or stored on any hardware media such as a hard drive, USB drive, or other online storage services. You understand and agree that your use of the Service and any Content is solely at your own risk. 

8. Acceptable Mail. As your CMRA, we will accept all mail including registered, insured, and certified items. Unless prior arrangements have been made, we shall only be obligated to accept mail, or packages delivered by commercial courier services, which require a signature from us as a condition of delivery. You must accept and sign for all mail and packages upon the request of the Company. In the event you refuse to accept any mail or package, we may return the mail or package to the sender and you will be responsible for any postage or other fees associated with such return. 

9. Unacceptable Mail. The Company does not accept any C.O.D. items, large parcels or any illegal items.

10. Mail Scanning. You authorize the Company to scan the outside of your mail and take photos of your packages. You also authorize the Company to open the mail and scan the inside content of the mail on your behalf upon your request submitted either through the web/phone application or over email. The Company reserves the right to refuse to scan any mail content that is unreasonably excessive. “Unreasonably excessive” as used herein means that the amount of scanned mail content greatly exceeds the average level of mail pages of members of the Service generally. Mail types that will not be scanned shall include but not limited to (i) magazines; (ii) books; (iii) brochures; and (iv) catalogues. 

11. Mail Storage Period. You understand that the Company will only store your physical mail in the Center as defined in your subscription plan from the date of receipt of the mail unless otherwise indicated or specified in your Service you signed up for. It is your responsibility to re-mail your mail before the mail reaches past the storage period. You agree and authorize the Company to trash and shred at its sole discretion any mail that has passed the storage period. 

12. Cash, Currency, Gift Cards, and Prepaid Debit Cards ("Currency"). You agree that the Company is not responsible for Currency delivered to the Center. You acknowledge and understand that you and your senders send Currency through the mail at your and their own risk, and that you solely assume that risk. In the event that you request us to obtain any security or redeem code off a gift card, you agree to not hold us liable should you find any discrepancies in your card balance.

13. Specific Terms

A. We have the right to return any personal mail, eg. personal bills, bank statement and the like. without further notice and terminate the service without a refund.

B. Each plan is for one business/company entity registered with ACRA ONLY.

C. Cancellation within seven days of payments will be fully refunded. Should you cancel after seven days, your payment is non-refundable and your service will continue until the end of your monthly/yearly term.

D. Services provided are for receiving normal mail that does not include parcels unless they are occasional small items. Larger parcels have to be prearranged for storage and fast pickup. We reserve the right to reject large items. Generally, parcels might have different might have different collection procedures and might not be able to be collected at times desired but within 4 weeks.

E. We reserve the right to open letters for identification purposes - if it is not clear from the address. 

F. We shall not be liable for any loss or misplacement of mail in the redirection outside our premises, i.e. Singpost or delivery services.

G. The address cannot be used for ICA registrations and registration of the official residence.

H. All Action requests are required to be triggered by email in response to our Mailbot. Missed action request due to verbal input, general chat or Whatsapp, can not be guaranteed.

I. The service reserves the right to change the address at any time should it be operationally required.


CHEQUE DEPOSIT SERVICE 

Definitions The Company provides to you a Cheques Deposit Service (“CDS”) to process and deposit checks to your account on your behalf. These deposit transactions (“Transactions”) will be placed through your designated financial institution (“NETWORK”) who will be acting as the Originating Depository Financial Institution (“ODFI”). Client Responsibilities * 

REPRESENTATIONS. 
You represent and warrant with respect to all CDS requests that (1) you are a signer or account owner of the bank account to make deposits to, and (2) each Check submitted for deposit is in all other respects properly authorized. Client agrees to indemnify the Company for any losses, liabilities, costs or expenses suffered or incurred as a result of the breach of these representations and warranties. * 

IDENTIFYING NUMBERS. You understand that the Company may rely solely on identifying numbers provided by you to determine the bank and account even if the numbers identify a bank or account holder different from the one identified by you by name. You will indemnify the Company for any losses, liabilities, costs or expenses suffered or incurred as a result of an incorrect account of other identification. * 


REGULATORY COMPLIANCE.

You bear the final responsibility to insure that your policies and procedures meet the requirements of the Rules and Regulations. You are encouraged to consult counsel regarding compliance with authorization and payment procedures whenever there is any doubt about compliance. * 

NOTICE OF ERRONEOUS UNAUTHORIZED TRANSFERS. You agree to promptly and regularly review all entries and other communication received from the Company and to immediately notify us if there are any discrepancies between your records and those provided by the Company, the ODFI or your bank, or with respect to any transfer not authorized by you. If you fail to notify the Company within 7 days of the date the Company sent the confirmation of deposit email or other report of activity to you, then you will be responsible for all losses or other costs associated with any erroneous or unauthorized transfer. Company Responsibilities * 

ACCEPTING TRANSACTIONS. The Company will only be responsible for processing CDS requests that have been sent to us in proper format and on a timely basis. The Company will advise you of any applicable cut-off time. You do not have the right to cancel or amend any entry after your request has been processed and submitted for deposit. * 

ORIGINATING TRANSACTIONS. The Company will use the information provided by you to process the deposit request and send it to the NETWORK. You acknowledge understanding that we may reject Checks for any reason permitted or required in the Rules or Regulations. At your request the Company will make reasonable efforts to reverse, modify, or delete an entry, but will have no responsibility for the failure to comply with that request. All requests must be made in writing and emailed or faxed to us, or delivered to the Company. * 
LIMITS OF LIABILITY. The Company will be responsible for the performance of the Company as a Third Party Processor in accordance with the terms of this TOS and the Rules and Regulations. The Company will not accept responsibility for errors, acts, or failure to act by others, including but not limited to, banks, communication common carriers, or the clearing houses through which Checks may be passed and or originated. The Company will not be responsible for any loss, liability or delay caused by fires, earthquakes, war, civil disturbances, power surges or failures, acts of governments, labor disputes, failures in communication networks, legal constraints or other events beyond the control of the Company. In the event that the error originates from the Company for the the loss of the Check that is within the defined storage length for your account or error in processing the CDS request that is submitted in proper format, the Company will pay for the cost to replace the check or $25, whichever is smaller. The payment will be credited directly to your account balance with us. 


PAYMENT AND RECHARGE 
* You agree to pay all fees and charges for the Service you signed up for and any part thereof. All fees are paid in advance. There are no prorations or refunds for cancellation of any service. The Company uses various billing service providers. When using such provider’s services, you agree to follow and comply with the policies of such provider. 
* Payment Method. The Company will charge the subscription fee and any other additional fees you authorize to the debit or credit card account provided by you. By authorizing the Company to charge a credit card for the fees associated with your subscription, you are authorizing the Company to automatically continue charging that card for all fees or charges associated with your subscription fees, including any renewal fees and usage fees. 
* Automatic Recharge. The Automatic Recharge service is an account setting that applies only to how additional usage fees are charged to your account. The Automatic Recharge setting is a courtesy to our customers who might require higher incremental Usage Charges for high volume activity. When your Account Balance falls below $0, you authorize the Company to automatically charge your debit or credit card on file for the amount set in your account settings. This setting can be changed in your account settings. “Account Balance” as used herein means the amount of available money or credit in your account. * Changes in Price. The Company may, upon notice required by applicable law, at any time change the Service price or any part thereof, or institute new charges or fees. Price changes and institution of new charges implemented during your subscription term will apply to subsequent subscription terms and to all new subscribers after the effective date of the change. If you do not agree to any such price changes, then you must cancel your account and stop using the Service. Your continued use of the Service after the effective date of any such change shall constitute your acceptance of such change. 



TERMINATION OR CANCELLATION 

1. You agree that the Company may terminate or cancel this TOS for good cause at any time. 


The Company shall make any such termination or suspension in its sole discretion, without any refund to you of any prepaid fees or amounts. The Company will not be responsible to you or any third party for any damages that may result or arise out of such termination or suspension of your account and/or access to the Service. 1. You agree that the Company may terminate or cancel this TOS for good cause at any time. The Company shall make any such termination or suspension in its sole discretion, without any refund to you of any prepaid fees or amounts. Cancellations might be also done due to illegal use of account, exceeding fair use politics or issues like abusive behavior towards company and service staff. The Company will not be responsible to you or any third party for any damages that may result or arise out of such termination or suspension of your account and/or access to the Service. 


2. Good cause shall include but is not limited to:

1. You abandon the Mailbox. 

2. You use the Mailbox for unlawful, illegitimate, or fraudulent purposes. 

3. You fail to pay monies owed to the Company when due. 

4. You receive an unreasonable volume of mail or packages. “Unreasonable volume of mail or packages” as used herein means your usage within a given day or month greatly exceeds the average level of monthly or daily usage of members of the Service generally. 
5. A request and/or order from law enforcement, a judicial body, or other government agency. 
6. You violate any provision of this agreement. 
7. Your account remains in Suspension for more than 30 consecutive days. 
8. Your behaviour towards our employees is offensive, violent, disruptive, abusive, or threatening. 
9. Discontinuance or material modification to the Service or any part thereof. 
10. Unexpected technical or security issues or problems. 
11. You fail to provide or the Company is unable to validate correct and accurate contact and personal information that we require of all customers. 
12. You provide and use a payment mechanism that is likely being used or will be used in a fraudulent manner. 

3. Upon expiration, cancellation, or termination of this TOS, the Company will: 

1. Close and restrict access to your online account at the end of your current billing cycle. You will no longer be able to login. 
2. Cancel all pending requests and orders associated with your account. 
3. Re-mail (i.e., forward) your mail to you until your Account Balance falls below $0. It is your responsibility to make arrangements with us to identify any mail forwarding needs PRIOR to the expiration, cancellation, or termination of this TOS. 
4. Retain your mail, other than Unsolicited Mail, at the Centre for a period of thirty (30) days, if you leave no forwarding fees and forwarding address. After such time any mail or package may be discarded or destroyed. 
5. Discard, destroy, or return to sender any mail (e.g., bulk mail: mail addressed as “occupant,” “current resident” or similar designation; or coupons, advertising, or other promotional material) delivered to or remaining at the Centre. 
6. Return any new or future incoming mail back to sender. Returned mail will show as “Attempted – Not Known”. 
7. Refuse any package addressed to you delivered by any party other than the Postal Service, such as a commercial courier service. 
8. Refund any remaining credits, if any, in your account balance back to the original payment card on file with us provided that the most recent credit was added within 60 days before the date your account is closed. Remaining credits resulting from a check payment will not be refunded. You agree to release us from compliance with any obligation to re-mail any mail or package received after your account has been terminated. You further agree that the foregoing is intended to be a written instruction from you to us that your mail need not be re-mailed except as expressly stated in this TOS. 

WARRANTY DISCLAIMERS 

You Expressly Understand And Agree That Your Use Of The Service Is At Your Sole Risk And The Service Is Provided On An “As Is” And “As Available” Basis, Without Warranties Of Any Kind, Either Express Or Implied, Including, Without Limitation, Implied Warranties Of Merchantability, Fitness For A Particular Purpose Or Non-Infringement. In Particular, The Company And Its Affiliates, Officers, Directors, Agents, Employees, And Partners Make No Warranty That (I) Your Use Of The Service Will Be Uninterrupted, Secure, Timely, Or Error-Free; (Ii) Any Information Obtained By You As A Result Of The Service Will Be Accurate Or Reliable; (Iii) The Service Will Meet Your Requirements; And (Iv) Any Defects Or Errors In The Software Provided To You As Part Of The Service Will Be Corrected. Some States Do Not Allow Limitations On How Long An Implied Warranty Lasts, So The Above Limitations May Not Apply To You. Limitation Of Liability In No Event Shall The Company Or Its Affiliates, Suppliers, Officers, Directors, Employees, Partners, And Agents Be Liable Under Contract, Tort, Strict Liability, Negligence Or Other Legal Theory (I) With Respect To The Site, The Service Or Any Content For Any Lost Profits Or Special, Indirect, Incidental, Punitive, Or Consequential Damages Of Any Kind Whatsoever, Substitute Goods Or Services (However Arising), (Ii) For Any Direct Damages In Excess Of (In The Aggregate) $100, (Iii) For Any Changes Made To The Service Or Any Temporary Or Permanent Cessation Of The Service Or Any Part Thereof; (Iv) For The Deletion Of, Corruption Of, Or Failure To Store And/Or Send Or Receive Your Transmissions Or Data On Or Through The Service. Some States Do Not Allow The Exclusion Or Limitation Of Incidental Or Consequential Damages, So The Above Limitations And Exclusions May Not Apply To You. You Expressly Understand And Agree That Your Use Of The Service Is At Your Sole Risk And The Service Is Provided On An “As Is” And “As Available” Basis, Without Warranties Of Any Kind, Either Express Or Implied, Including, Without Limitation, Implied Warranties Of Merchantability, Fitness For A Particular Purpose Or Non-Infringement. In Particular, The Company And Its Affiliates, Officers, Directors, Agents, Employees, And Partners Make No Warranty That (I) Your Use Of The Service Will Be Uninterrupted, Secure, Timely, Or Error-Free; (Ii) Any Information Obtained By You As A Result Of The Service Will Be Accurate Or Reliable; (Iii) The Service Will Meet Your Requirements; And (Iv) Any Defects Or Errors In The Software Provided To You As Part Of The Service Will Be Corrected. Some States Do Not Allow Limitations On How Long An Implied Warranty Lasts, So The Above Limitations May Not Apply To You. Limitation Of Liability In No Event Shall The Company Or Its Affiliates, Suppliers, Officers, Directors, Employees, Partners, And Agents Be Liable Under Contract, Tort, Strict Liability, Negligence Or Other Legal Theory (I) With Respect To The Site, The Service Or Any Content For Any Lost Profits Or Special, Indirect, Incidental, Punitive, Or Consequential Damages Of Any Kind Whatsoever, Substitute Goods Or Services (However Arising), (Ii) For Any Direct Damages In Excess Of (In The Aggregate) $100, (Iii) For Any Changes Made To The Service Or Any Temporary Or Permanent Cessation Of The Service Or Any Part Thereof; (Iv) For The Deletion Of, Corruption Of, Or Failure To Store And/Or Send Or Receive Your Transmissions Or Data On Or Through The Service. Some States Do Not Allow The Exclusion Or Limitation Of Incidental Or Consequential Damages, So The Above Limitations And Exclusions May Not Apply To You.