Terms & Conditions of Use

IOU Website Terms & Conditions of Use

Your access to and use of IOU's Website and native Apps (hereby collectively known as “Services”) are subject to the following terms and conditions. By using our Services, you agree to all of the Terms and Conditions of Use, as may be updated by us without prior notice. IOU reserves to amend the Terms and Conditions of Use at its own discretion.

IOU advises you to check this page regularly to take note of any changes we may have made to the Terms and Conditions of Use.

Website & App Access

Access to this Website and our Native Apps are permitted on a temporary basis, and IOU reserves the right to withdraw or amend the Services without prior notice. IOU will not be held liable if, for any reason, this Website or the Native Apps are unavailable at any time or for any period. Occasionally, we may restrict access to some parts or all of this Website or the Native Apps at our own discretion and without prior notice.

All data on this Website and the Native Apps is published “As is” and is correct at the time of publishing. IOU reserves the right to remove, edit and add on any data without prior notice.

This Website may also contain links to other third-party websites (henceforth referred to as “Linked Sites”), which are not operated by IOU. IOU has no control over the Linked Sites and accepts no responsibility for them, or for any loss or damage that may arise from your use of them. Your use of the Linked Sites is at your own risk and will be subject to the individual terms of use and service of each such site, if any.

Website and Native App Usage

You are prohibited from misusing this Website and the IOU Native Apps.

You will not: commit or encourage a criminal offence; transmit or distribute any material which is malicious, technologically harmful, in breach of confidence or in any way offensive or obscene; hack into any aspect of the Service; corrupt data; cause annoyance to other users; infringe upon any other person's proprietary rights; or attempt to affect the performance or functionality of any computer facilities of or accessed through this Website or the Native Apps.

Any breach of this provision constitutes a criminal offence under the Computer Misuse Act 1998. We will not hesitate to report any such breach to the relevant law enforcement authorities and disclose your identity to them.