User Agreement

1.1 "Product" means the electronic digital identity product which virtually simulates a business card and which is supplied by Marketing Opedia directly and via Sellers. The Product may be provided and used through any one or more media or technology platforms, including (without limitation) the Internet, mobile telephone or networks, or otherwise.

1.2 "Seller" means a person who has contracted with Marketing Opedia to sell the Product to end users.

This is a legally binding end user agreement (the "Agreement") between you (the "User") and Marketing Opedia with respect to your access and use of the Product. For good and valuable consideration (the adequacy and sufficiency of which is acknowledged by both of the parties), the parties hereby agree as set forth below. All Users will be subject to and bound by this Agreement.

By activating, accessing or using the Product you become a User thereof and expressly acknowledge and confirm that you have read, understood accepted and agreed to each of the terms and conditions set forth herein.

3.1 The Product may not be accessed or used in any territory or jurisdiction where it is prohibited by applicable law or regulation.

The User hereby warrants that he/she is at least 18 years old and if he/she is acting on behalf of a company or other legal entity then the User further hereby warrants that he/she has the legal authority to bind the company or legal entity.

5.1 The normal period of use of the Product is one year from the date of activation (the "TERM") and the fee payable to access the Product is payable in advance to a Seller or Marketing Opedia. In the event that a User pays a Seller and the Seller does not make payment to Marketing Opedia, then Marketing Opedia reserves the right to terminate use of the Product, with prior notice to the User.

5.2 Marketing Opedia will usually inform the User, prior to termination of the one year period, that the annual usage period is about to end, provided that there is no obligation whatsoever on Marketing Opedia to do so.

5.3 If the User desires to continue using the Product after expiry of the annual usage period, he/she shall pay the required fee specified by the Seller or Marketing Opedia at the time, and shall be required to reactivate the Product.

5.4 Neither the fee paid by the User, or any part thereof, shall be refundable to the User, for any reason whatsoever.

5.5 Fees may be changed or modified by Marketing Opedia and its Sellers, in their sole and absolute discretion, at any time.

5.6 Upon any termination or expiration of this Agreement, any and all provisions and obligations, which are of a continuing nature or intent, shall survive.

5.7 Upon termination or expiry of the Agreement the User must immediately discontinue any and all use of the Product and destroy, delete, or uninstall any and all copies of the Product in his/her possession, whether on his/her phone or other device or on any media or otherwise.

5.8 Following termination or expiration of the Agreement, Marketing Opedia may, in its sole and absolute discretion, choose to at any time erase, destroy, permanently delete any and all of User's data, materials, content, information and files stored with or backed up by, through or via Marketing Opedia.

6.1 Subject to the terms and conditions of this Agreement, the User is granted only a limited, personal, non-exclusive, non-sub-licensable, non-transferable and non-assignable authority to download, install, and use the Product on a device in only the manner prescribed herein. For the avoidance of doubt, use only of the Product is authorized and the User does not acquire any rights whatsoever in the underlying software associated with the Product.

6.2 The User is permitted to install and use the Product on one or more devices, provided that the same are for his/her own direct benefit (and not that of any other person or entity). At any time during the Term or thereafter, Marketing Opedia or its nominee shall have the right to audit use of the Product and compliance with the terms and conditions of this Agreement and the User shall permit same.

7.1 The User may utilize the Product only for his/her personal use for the sole purposes for which the Product is designed. The User may not, under any circumstances whatsoever, use the Product in a manner or for a purpose for which it is not intended or designed.

7.2 The User may not, under any circumstances whatsoever, make or attempt to make, any unauthorized copies of the Product.

7.3 The Product is provided via installation on the User's phone or other device. The User hereby expressly and unconditionally consent to the installation on his/her phone or other device of any and all materials, data, software and other items necessary for the Product to operate as intended.

7.4 In addition, the User may not, directly or indirectly, do any of the following: (a) remove any copyright, trademark, or other proprietary notices incorporated in or affixed to the Product; (b) sell, transfer, rent, lease, or sub-license the Product to any third party; (c) alter, change, repurpose or modify the Product in an unauthorized manner; (d) reverse engineer, disassemble, decompile or attempt to derive source code from the Product; (e) prepare a derivative work, improvements or developments to the Product; (f) use the Product for any unlawful, immoral, unethical or unreasonable purpose or activity; or (g) cause or intend the Product to be used in any way or manner that may violate the intellectual property or other personal rights (including, but not limited to, privacy rights and ownership rights) of any other person or entity.

7.5 In the event of the User breaching any of the terms of this Agreement and failing to remedy such breach within a period of three business days after receipt of notice drawing attention to the breach, Marketing Opedia may forthwith terminate use of the Product by the User.

7.6 Marketing Opedia may supply the User with such reports as it, in its sole discretion may from time to time decide. Such reports will be supplied to the User electronically in such form as Marketing Opedia, in its sole discretion may decide from time to time.

8.1 In its sole and absolute discretion, Marketing Opedia may (but shall be under no obligation to do so), from time to time, provide fixes, updates, and upgrades to the User, including, but not limited to, new versions of the Product which will automatically be supplied to the User. Although Marketing Opedia will use its best endeavors to ensure that private information of the User is not corrupted, modified or lost, no warranty is given that this will not happen. In the event that this does happen, Marketing Opedia will assist the User to correct any errors.

8.2 Marketing Opedia is not required and is not under any obligation whatsoever to provide any maintenance or services to the User, including (without limitation) any support, updates, enhancements, or other modifications to the Product.

8.3 Unless explicitly stated otherwise in writing, the terms of this Agreement will govern any software or service fixes, updates, or upgrades provided by Marketing Opedia that replaces, modifies or supplements the Product.

9.1 For the purposes of the Agreement, "Third Party Items" shall mean software, services, activities, content, materials, documents, graphics, products, goods or devices supplied by a third person or entity (i.e. other than Marketing Opedia) to the User.

9.2 Third Party Items are used, obtained or accessed (without limitation) by Users independently (and with no assistance or connection from Marketing Opedia) and Marketing Opedia does not warrant that the Product is usable on or with Third Party Items.

10.1 Marketing Opedia shall keep the User's identity and other data confidential and shall ensure that all legislation relating to protection of information is complied with.

10.2 The User hereby warrants that any and all of his/her personal information used with Product is true and correct.

10.3 It is the responsibility of the User to maintain his/her personal information.

10.4 The User hereby acknowledges and agrees that Marketing Opedia may disclose information provided to it, if required to do so by any applicable law, rule or regulation, or if Marketing Opedia, in its sole and absolute discretion, believes that disclosure is reasonable or necessary to (a) comply with any applicable law, rule or regulation, requests or orders from law enforcement, or any legal process; or (b) protect or defend the rights or property (including, but not limited to, intellectual property) of Marketing Opedia or any third person or entity.

11.1 Implementation of the Product shall at all times be in the sole and absolute discretion of Marketing Opedia.

11.2 Without limiting the foregoing, Marketing Opedia may choose, at its sole and absolute discretion, the times of any backups and the frequency and manner in which any and all backups are made.

11.3 In addition, Marketing Opedia may choose the scope, manner, design and function of any encryption technology or mechanisms used by it with respect to User's data.

11.4 Marketing Opedia does not warrant that any information displayed, uploaded, or posted on or by the Product is true or correct and specifically and expressly disclaims any and all liability related to such information.

11.5 Moreover, Marketing Opedia, in its sole and absolute discretion, reserves the right to refuse to post, host or display, and the right to remove or delete, any information from the Product, for any reason (or no reason) at any time without any notice thereof to the User.

11.6 Any comments, feedback or advice that the User may provide, through, or relating to the Product shall be deemed to be non-confidential and Marketing Opedia shall have an unrestricted and absolute right to post and publish the same (in its sole and absolute discretion) for any lawful purpose whatsoever.

Marketing Opedia may make copies of any and all data stored as part of the backup and recovery of files on any and servers or hardware associated with the Product. Marketing Opedia shall not be obligated to archive such copies, and further, it assumes no responsibility or liability for their safekeeping. Any such copies shall not be accessible by the User except in conjunction with his/her use of the Product. Marketing Opedia has no responsibility or liability with respect to any copies of the User's data backed up via the Product.

13.1 User hereby expressly represents, warrants, covenants and agrees that he/she will not, directly or indirectly, do any of the following: falsify or misrepresent any information regarding his/her identity or intentions; post, publish, transmit, distribute, or upload any information or materials that Marketing Opedia deems unlawful, obscene, lewd, sexually explicit, derogatory, abusive, threatening, or discriminatory; transmit any virus or other harmful software code; post unlawful, false, deceptive, misleading, fraudulent or otherwise objectionable information; infringe any patent, copyright, trademark or other proprietary rights; violate any legal, property, intangible, confidentiality or privacy rights of others; transmit bulk e-mail, chain letters, advertisements, pyramid schemes or other unsolicited communication (spam); violate or attempt to violate the security of the Product or any third party network; circumvent or alter any method of measuring, tracking, recording or billing for the Product; or resell, re-distribute, sub-license or redirect the Product for any reason whatsoever.

13.2 User hereby expressly represents, warrants, covenants and agrees that he/she will be solely and exclusively responsible for maintaining the confidentiality and security of any user name and password given by Marketing Opedia or provided by the User in connection with his/her use or access of the Product. Moreover, the User is responsible and liable for any and all activities that occur in regard to his/her account.

13.3 The User hereby agrees to notify Marketing Opedia immediately in the event of any unauthorized use of his/her account or any breach of account security of which he/she may become aware or that he/she may reasonably suspect. However, regardless of such notification, Marketing Opedia will under no circumstances whatsoever be liable or responsible for any loss that the User may incur as a result of any unauthorized use of his/her account.

14.1 From time to time, Marketing Opedia may offer certain trials or promotions to Users. Marketing Opedia reserve its right to, in its sole and absolute discretion, at any time (without any liability thereof) discontinue, modify, suspend, reorganize or terminate any such trials and promotions.

14.2 Any trial or promotion will be subject to the terms and conditions of such trial or promotion, but in no event whatsoever shall any trial or promotion modify or change any of the terms and conditions of this Agreement (except as is expressly set forth in the trial or promotion).

14.3 Marketing Opedia may offer a free evaluation or trial period in which to test and evaluate the Product. If such a User decides to continue to use the Product after such period is over this shall be subject to payment of the appropriate fee and the annual use period shall be deemed to have begun on the first day of commencement of use in the evaluation or trial period.

15.1 All Marketing Opedia's information, materials, content, images, graphics, software, trademarks, logos, service marks provided on or through the Product (collectively the "Proprietary Information") is and are the sole and exclusive property of Marketing Opedia or are duly licensed by Marketing Opedia, and may not under any circumstances whatsoever be used, copied, reproduced, distributed, republished, uploaded, downloaded, displayed, posted or transmitted by the User in any form or by any means without the prior express written consent of Marketing Opedia.

15.2 The Proprietary Information is exclusively owned or duly licensed by Marketing Opedia, and is and shall, to the maximum extent allowed by applicable law, be protected by foreign and domestic copyright and trademark laws, rules and regulations and applicable international treaty provisions.

15.3 Except as expressly and specifically set forth herein under the section above "Limited Authority", User shall have absolutely no rights whatsoever to the Proprietary Information. Copying or reproduction of the Proprietary Information to any other server or location for any reason is expressly and strictly prohibited.

16.1 Except as expressly and specifically set forth herein under the section "Limited Authority" above, nothing in this Agreement is intended to grant any rights (including, without limitation, under or with respect to any patent, mask work right, copyright, trademark, title, interest in products or trade secret of Marketing Opedia) to the User. All such rights shall remain the sole and exclusive property of Marketing Opedia and the User shall gain no interest, right or title therein by entering into or performing this Agreement or using the Product.

Marketing Opedia will, in appropriate circumstances, terminate the access and use of the Product for any person or entity who infringes (or is suspected of infringing) the rights, security or property of others, by means of use of the Product. If any individual or entity believes that his, her or its rights, security or property has been used or copied in a prohibited manner (or otherwise infringed) through or in connection with the Product, he/she/it is requested to provide Marketing Opedia with a written notice containing the full details of such infringement and the action requested of Marketing Opedia.

Marketing Opedia does not assume any responsibility for verifying the content, materials, documents and information passed through or accessed via or in connection with the Product. User's use of the Product is at User's sole and exclusive risk and at his/her own discretion and peril. Marketing Opedia is not responsible for any damages, losses, expenses or other injuries incurred by the User as a result of, relating to, or in connection with, any content, materials, documents and information transmitted, distributed or uploaded through or in connection with the Product.

The Product may become unavailable due to routine maintenance or malfunction of computer equipment, wireless or local networks, devices, hardware or for other reasons, and in any such instance, Marketing Opedia shall not have any liability whatsoever to User under any such circumstance.

20.1 The User hereby expressly agrees to assume sole and entire responsibility for use and access of third party links and pointers included in the Product by the User.

20.2 Marketing Opedia hereby expressly disclaims any and all liability and responsibility for such third party links and pointers and the content of any third party sites, services or software included by the User and the User hereby indemnifies Marketing Opedia against any and all claims howsoever arising there from.

20.3 Furthermore, the User is directed to take any and all precautions to ensure that third-party sites, services and software are free of such harmful items as (without limitation) viruses, worms, Trojan horses and other items of a destructive nature.

20.4 Marketing Opedia shall have no duty whatsoever to investigate, evaluate, recommend or otherwise provide information with respect to any third party site, services or software.

A party may only provide a hypertext link to the Product on another web site, if such hyperlink complies with specific requirements. Marketing Opedia is to be contacted for more information and details before providing any such link to the Product. Without limiting the foregoing, the appearance, position and other aspects of a link must not be such as to directly or indirectly damage or dilute the goodwill associated with the name and trademarks of Marketing Opedia and/or the Product, and must not create the false or misleading appearance that Marketing Opedia and/or the Product is associated with, or endorses or sponsors, the linking web site. Marketing Opedia may selectively revoke consent to any link at any time (for any reason or no reason) in its respective sole and absolute discretion.

22.1 The Product, and any and all information, services, content and materials thereon and therewith, are provided and distributed on an "as is" and "as available" basis without warranties of any kind except as expressly provided herein. Marketing Opedia disclaims any and all implied warranties, including but not limited to, warranties of merchantability, fitness for a particular purpose, title and non-infringement.

22.2 Specifically, but without limitation, Marketing Opedia does not warrant that: (a) the information, services, materials or content associated with the Product is correct, accurate or reliable; (b) the functions provided by or through the Product will be uninterrupted, secure or error free; (c) any defects will be corrected, or that the Product, or the server that makes it available, are free of viruses or other harmful components.

22.3 The User hereby acknowledges that use of the Product is at his/her sole and absolute risk and in his/her own discretion.

22.4 No oral or written representation, information or advice given by any employee, officer or agent of Marketing Opedia will under any circumstances create a warrantee, unless specifically set forth in an express writing signed by an authorized officer of Marketing Opedia.

22.5 The User hereby acknowledges and agrees that the Product may fail at any time, may not operate error-free, may be interrupted by power failure or otherwise, may be down for maintenance or troubleshooting, and may be subject to delays, disruptions, denial of service attacks, malfunction or other problems.

22.6 The User further acknowledges and agrees that the Product has been considered and investigated prior to payment of the fee and that the Product meets his/her needs.

23.1 Notwithstanding anything to the contrary in this Agreement, Marketing Opedia will not be liable, even if it knows or has been advised of the possibility thereof, for any incidental, special, consequential, exemplary, punitive, reversionary or indirect damages, including but not limited to, business interruption, loss of business profits or revenues, loss of use or loss of business or personal information, arising out of, relating to, or in connection with, this Agreement, the Product or the relationship between the User and Marketing Opedia.

23.2 The User hereby agrees that any claim that it may have against Marketing Opedia, for damages and costs, shall be limited to the fee paid by it to the Seller or Marketing Opedia, as the case may be.

23.3 The User expressly acknowledges and agrees that the limitations of liability set forth in this paragraph are an essential element of this Agreement, and in the absence of such limitations, the economic terms of this Agreement would have been substantially different than provided herein and/or the parties would not have entered into this Agreement.

24.1 The User will, at his/her own expense, defend, indemnify and hold harmless Marketing Opedia and each of its officers, directors, shareholders, agents, representatives, contractors and employees (each, an "Indemnity", and collectively, "Indemnities") from and against any and all loss, cost, expense, damage, claim, demand, or liability (a "Claim"), including (without limitation) reasonable attorney and professional fees and costs, and the cost of settlement, compromise, judgment, or verdict incurred by, or demanded of, an Indemnity, that, directly or indirectly, arises out of, results from or occurs in connection with: (a) his/her negligence, bad faith or willful misconduct; (b) his/her breach of any of the provisions of this Agreement; (c) his/her violation of any applicable law, rule or regulation; (d) infringement by him/her of any intellectual property, proprietary or other rights of any third party; (e) unlawful disclosure, use, or misappropriation of a trade secret by the User; (f) violation of any other third-party intellectual property right, or other property or personal right of any person or entity; or (g) his/her use of (or inability to use) the Product.

24.2 Marketing Opedia may assume the exclusive defense and control of any matter otherwise subject to indemnification by the User, in which event the User will fully cooperate with Marketing Opedia in asserting any available defenses, and promptly reimburse all reasonable costs and expenses. No settlement, compromise or adjudication of any Claim to which indemnity applies hereunder, shall be effective or permitted without the express and prior written consent of Marketing Opedia.

Marketing Opedia may, in its sole and absolute discretion, modify or change any or every aspect of the Agreement at any time (for any reason or no reason), effective on renewal as provided for above.

In the event of the User committing a breach of any of the terms of this agreement and failing to remedy such breach within three business days after receipt of notice drawing attention to the breach, Marketing Opedia may apply for injunctive relief (including, but not limited to, specific performance) from any court of competent jurisdiction.

The User hereby expressly agrees that during the term of this Agreement and for a period of one (1) year thereafter, he/she will not, directly or indirectly, attempt to or actually circumvent this Agreement or its purpose or intent.

28.1 Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the Republic of South Africa.

28.2 Severability. If any provision of this Agreement is declared by a court of competent jurisdiction to be illegal, invalid or unenforceable for any reason, then (i) such provision will be enforced to the maximum extent permissible so as to effectuate the original intent of the parties; and (ii) the remaining provisions of this Agreement will be unaffected thereby and will continue to remain in full force and effect at all times.

28.3 Acts beyond Control. Marketing Opedia will not be liable for any failure to perform acts due to causes beyond its control (including, without limitation, electrical outage, Internet Service Provider or wireless network or other service provider downtime, power failure, fire, flood, strike, civil disturbance, terrorism, war or Acts of God). If any such circumstances occur, Marketing Opedia shall use commercially reasonable efforts to attempt to provide reasonable notice to User of the same. The time for Marketing Opedia to perform hereunder will be extended for a period of time equal to the duration of the delay or default caused thereby.

28.4 Notices. Unless otherwise stated herein, any notices hereunder to Marketing Opedia shall be in writing and be delivered by hand to its registered office address and shall be deemed to have been received the following business day unless the contrary shall be proved. Notices to the User may be provided by electronic mail to the electronic mail address provided by the User to Marketing Opedia (and such notice shall be deemed given immediately upon transmission thereof by Marketing Opedia).

28.5 Assign ability. Neither this Agreement, nor any rights or obligations herein, may be assigned or otherwise transferred (in whole or in part) by the User without the prior express written consent of Marketing Opedia. Any attempted assignment, cession or transfer by the User in violation of this paragraph shall be null and void. This Agreement and any rights herein may be freely ceded and assigned by Marketing Opedia without notice to the User.

28.6 Shrink wrap Agreement. The User acknowledges and confirms that he/she understands that this Agreement is of the "shrink wrap" kind and that he/she fully understands the implications and consequences thereof and confirms and understands that a binding agreement comes into force upon activation by the User of his/her Product and subsequent use of the Product.

28.7 Headings. The headings used in this Agreement are for convenience only and shall not be used in interpreting or construing this Agreement.

28.8 Legal Advice. The User hereby confirms that he/she has taken legal advice in regard to the Agreement or has decided to dispense therewith.

28.9 No Partnership. Nothing in this Agreement will be construed to constitute an agency, partnership, joint venture or employer-employee relationship between the parties. Neither party has the power, and will not hold itself out as having the power, to act for or in the name of, or to bind, the other party.

28.10 Enforcement Failure. Failure by Marketing Opedia to enforce any right, remedy or provision hereof will not be deemed a waiver of the same or any future enforcement of that or any other right, remedy or provision. A waiver by Marketing Opedia of any right, remedy or provision hereof shall only be effective if it is in an express writing that is signed by a duly authorized officer of Marketing Opedia.

28.11 Entire Agreement. This Agreement contains the entire understanding between Marketing Opedia and the User with respect to the subject matter hereof and supersedes any and all prior and contemporaneous agreements or understandings (whether oral, written, implied or otherwise) between the parties with respect to the subject matter hereof. Any modification, addendum, or amendment to this Agreement will not be effective unless the same is in writing and signed by a duly authorized officer of Marketing Opedia. This Agreement may not be modified, supplemented or amended by an electronic signature (or electronic correspondence) from Marketing Opedia.