Terms & Conditions

BACKGROUND

These Terms of Use (“Terms”), together with any and all other documents referred to herein, set out the terms under which Users may use this website https://www.cosresell.com (“Our Site”), and under which Buyers and Sellers may buy and sell on Our Marketplace. Please read these Terms carefully and ensure that you understand them before using our Site or buying or selling on Our Marketplace. If you do not agree to comply with and be bound by these Terms, you must stop using Our Site immediately and you will not be able to purchase anything or sell anything on Our Marketplace. These Terms, as well as any and all contracts are in the English language only.

Definitions and Interpretation
1. In these Terms, unless the context otherwise requires, the following expressions have the following meanings:

Information About Us
1. Our Site is [owned and] operated by Reflaunt Pte.Ltd, a limited company registered in Singapore under company number 201819230E, whose registered address is 4-07, 102F Pasir Panjang road, 118530 Singapore.
Access to and Use of Our Site
1. Access to Our Site is free of charge.
2. It is your responsibility to make any and all arrangements necessary in order to access Our Site.
3. Access to Our Site is provided “as is” and on an “as available” basis. We may alter, suspend, or discontinue Our Site (or any part of it) at any time and without notice. Subject to the remainder of these Terms, We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.
4. Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.
Accounts
1. Certain parts of Our Site (including the ability to buy and sell through the Marketplace) require an Account in order to use them.
2. You may not create an Account if you are under 18 years of age. [If you are under 18 years of age but over 18 years of age, your parent or guardian should create the Account for you and you must only use the Account with their supervision.]
3. When creating an Account, the information you provide must be accurate and complete. If any of your information changes at a later date, it is your responsibility to ensure that your Account is kept up-to-date.
4. We recommend that you choose a strong password for your Account, consisting of a combination of lowercase and uppercase letters, numbers, and symbols.
5. It is your responsibility to keep your password safe.
6. If you believe your Account is being used without your permission, please contact Us immediately at customerservice@cosresell.com. We will not be liable for any unauthorised use of your Account.
7. You must not use anyone else’s Account.
8. All personal information provided in your Account will be collected, used, and held in accordance with your rights and Our obligations under the law, as set out in Clause 23.
9. If you wish to suspend AND/OR delete your Account, you may do so at any time by writing to customerservice@cosresell.com. If you delete your Account, We will remove your information from Our systems [and will remove your User Content from Our Site (where applicable)]. [If you suspend your Account, nothing will be deleted, but you [and your User Content] will cease to be visible to other Users on Our Site]. Deleting your Account will also remove access to any areas of Our Site requiring an Account for access.
Our Marketplace
Our Marketplace is provided solely as an online venue for Buyers and Sellers. We are not a party to any transactions or other relationships between Buyers and Sellers. You hereby acknowledge and agree that:
1. Buyers are not making purchases from Us and are not entering into a contract with Us. A Buyer’s purchase is from the Seller in question, and their contract is with that Seller;
2. We may pre-screen Sellers and items that you advertise in Listings on Our Marketplace. We may accordingly remove any Listings that infringe upon our policies, best industry practice and any laws or regulations; and
3. You are required to comply with these Terms, which include provisions covering important matters such as payment methods, processing times, and delivery methods.
What Can and Cannot be Sold on Our Marketplace
1. The following are permitted on Our Marketplace:
  1. COS Fashion pieces in excellent condition.
2. The following are not permitted on Our Marketplace:
  1. counterfeit or non-genuine items;
  2. non-COS branded items;
  3. Intimates that are not brand new.
3. We reserve the right to remove any Listing that breaches the provisions of this Clause 6 or that are not in line with our policies, best industry practice and any laws or regulations. We may suspend or terminate a Seller’s Account. All sums due will remain due and payable notwithstanding any suspension or termination for any reason.
Descriptions Policy
When selling on Our Marketplace, it is important that all descriptions of items are truthful and accurate, and that all visual representations are true representations of what you are selling (as far as is reasonably possible). Sellers agree that all Listings submitted by them will comply with the following:
1. if an item is not new, it must not be described as such;
2. if an item is used, the description must give as much detail as is reasonably possible about the age of the item, its condition, and any damage or defects;
3. you warrant that the item is not counterfeit and does not infringe upon any third party’s intellectual property rights;
4. photographs must be of what you are selling;
5. you must not use any Content that belongs to other parties in your Listings without their express permission (please refer to Clause 9 for more information on intellectual property rights);
6. your Listing must not advertise alternate locations from which your items can be purchased, thereby avoiding Our Transaction Fees.
User Content
1. You agree that you will be solely responsible for your User Content. Specifically, you agree, represent and warrant that you have the right to submit the User Content and that it will comply with our policies and these Terms.
2. You agree that you will be liable to Us and will, to the fullest extent permissible by law, indemnify Us for any breach of the warranties given by you under sub-Clause 8.1. You will be responsible for any loss or damage suffered by Us as a result of such breach.
3. You (or the licensors who own the Content in question, as appropriate) retain the ownership of the User Content that you submit to Our Site and all the intellectual property rights in that User Content. By submitting User Content to Our Site, you grant Us an irrevocable, unconditional, non-exclusive, fully transferable, royalty-free, perpetual, worldwide licence to use, store, archive, syndicate, publish, transmit, adapt, edit, reproduce, distribute, prepare derivative works from, display, perform, and sub-licence your User Content for the purposes of operating and promoting Our Site.
4. If you wish to remove User Content, you may do so by going to your customer account and deleting any information you wish to remove. We will use reasonable efforts to remove the User Content from Our Site. Please note that caching or references to your User Content may not be made unavailable immediately (or may not be made unavailable at all where they are outside of Our reasonable control).
5. We may reject, reclassify, or remove any User Content from Our Site where in violates Our policies, or if We receive a complaint from a third party about it and determine that it should be removed in response to that complaint. If any of your User Content is removed, you will be informed of the removal and the reasons for the removal in writing.
Intellectual Property Rights
1. With the exception of User Content, all Content included on Our Site and the copyright and other intellectual property rights in that Content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content, including User Content, is protected by applicable intellectual property laws and treaties.
2. Subject to sub-Clause 9.3, you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use Content (including User Content) from Our Site unless given express written permission to do so by Us or the relevant User.
3. You may:
  1. access, view, and use Our Site in any web browser (including, but not limited to, in-app web browsers);
  2. download Our Site (or any part of it) for caching;
  3. print pages from Our Site;
  4. download extracts from pages on Our Site; and
  5. save pages from Our Site for later and/or offline viewing.
4. The owner and author of any Content (including User Content) must always be acknowledged when re-using that Content.
5. You may not use any Content (including User Content) printed, saved, or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or Our licensors, or the relevant User, as appropriate) to do so. This does not prohibit the normal access, viewing, and use of Our Site for general purposes whether by business users or consumers.
6. Sellers and Buyers must, at all times, respect the intellectual property rights of Our Marketplace. Under no circumstances may you use intellectual property belonging to another party without that party’s express permission.
7. If you feel that another User has infringed your intellectual property rights in any way, please contact Us at customerservice@cosresell.com.
8. If another party contacts Us accusing you of listing a counterfeit item or infringing their, or another third party’s, intellectual property rights:
  1. We will contact you to inform you of the complaint;
  2. We may remove the User Content that is the subject of the complaint;
  3. if you have questions regarding the complaint, or wish to challenge it, you must contact the complaining party. We will not be a party to any dispute concerning intellectual property and cannot assist in resolving such disputes; and
  4. you are free to resubmit the User Content in question if the complaint is resolved and you have the permission of the complaining party to do so (where it is required). We can neither permit nor deny such resubmission as We will not be a party to the dispute.
Rules and Acceptable Usage Policy
1. When using Our Marketplace, you must do so lawfully, fairly, and in a manner that complies with the provisions of this Clause 10. Specifically:
  1. you must ensure that you comply fully with all local, national, or international laws, and/or regulations (including but not limited to those which may apply to the item(s) you wish to sell);
  2. you must not use Our Marketplace in any way, or for any purpose, that is unlawful or fraudulent;
  3. you must not use Our Marketplace to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind;
  4. you must not use Our Marketplace in any way, or for any purpose, that is intended to harm any person or persons in any way;
  5. you must always provide accurate, honest information about yourself and any and all items that you are selling on Our Marketplace;
  6. as a Seller, you must state the price of an item accurately and clearly, and must not change it in order to avoid paying the applicable Transaction Fee; and
  7. you must not engage in any form of price fixing with other Users (including Sellers and Buyers).
2. When using Our Marketplace, you must not submit anything (including, but not limited to, material in a Listing) or otherwise do anything that:
  1. is sexually explicit;
  2. is obscene, deliberately offensive, hateful, or otherwise inflammatory;
  3. promotes violence;
  4. promotes or assists in any form of unlawful activity;
  5. discriminates against, or is in any way defamatory of, any person, group, or class of persons; race; gender; religion; nationality; disability; sexual orientation; or age;
  6. is intended or otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
  7. is calculated or is otherwise likely to deceive;
  8. is intended or otherwise likely to infringe (or threaten to infringe) another person’s right to privacy or otherwise uses their personal data in a way that you do not have a right to;
  9. misleadingly impersonates any person or otherwise misrepresents your identity or affiliation in a way that is calculated to deceive (obvious parodies are not included within this definition provided that they do not fall within any of the other provisions of this sub-Clause 10.2);
  10. implies any form of affiliation with Us where none exists;
  11. infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, trade marks, patents, and database rights) of any other party; or
  12. is in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.
3. We reserve the right to suspend or terminate your access to Our Marketplace and Our Site if you materially breach the provisions of this Clause 10 or any of the other provisions of these Terms. Further actions We may take include, but are not limited to:
  1. removing your Listing(s) from Our Marketplace;
  2. removing any offending material from Our Marketplace;
  3. issuing you with a written warning;
  4. legal proceedings against you for reimbursement of any and all relevant costs resulting from your breach on an indemnity basis;
  5. further legal action against you as appropriate;
  6. disclosing such information to law enforcement authorities as required or as We deem reasonably necessary; and/or
  7. any other actions which We deem reasonably necessary, appropriate, and lawful.
4. We hereby exclude any and all liability arising out of any actions that We may take in response to breaches of these Terms.
Selling and Purchasing and Transaction Fees
1. When making a purchase from a Seller, the Buyer expressly agrees that:
  1. you have read the description and all details within the relevant Listing carefully and that you understand and agree to any and all specific policies that are stated to apply to the Listing;
  2. you will pay for the item(s) purchased in full and on time, using an accepted payment method via Our Payment Service; and
  3. you have provided complete and accurate delivery details.
2. A Transaction Fee of 10% of the price of each item sold will apply to each sale. Transaction Fees are calculated based on the price of an item and includes delivery charges.
3. Any and all actions designed to avoid the payment of any fees described in these Terms are strictly prohibited.
Payment Service
1. All Payments, other than the Seller Payments set out in clause 13, on Our Marketplace are made through the Payment Service provided by Stripe, Our Third Party Payment Service Provider.
2. Your use of the Payment Service requires an account with the Third Party Payment Service Provider and will be subject to its own terms and conditions and privacy policy. You will be required to read and accept those terms and conditions and privacy policy before taking payments from Buyers on Our Marketplace.
3. By using the Payment Service, you acknowledge and agree to Us sharing your personal information and/or information about your transactions on Our Marketplace with the Third Party Payment Service Provider.
4. The Payment Service works with the following payment methods:
  1. Visa, Mastercard, Amex and Paypal.
5. If We receive notice from the Third Party Payment Service Provider that your use of Our Marketplace or the Payment Service is in breach of their terms or of any agreement between you and them, We may take actions including, but not limited to, those necessary to rectify your breach, removing your ability to use the Payment Service to make or accept payments on Our Marketplace, and/or the suspension or termination of your Account on Our Site.
6. The Third Party Payment Service Provider reserves the right to refuse the use of the Payment Service to anyone, for any reason, and at any time.
Payments to Sellers
1. All payments made to Sellers are processed using Stripe and processed within 15 days of the confirmation of the sale via e-mail. The pay-out will be transferred on the Seller’s bank account, provided the Seller has updated his bank account details in his Reflaunt account.
2. We will not make any Buyers’ payment details (including, but not limited to, card numbers, bank account numbers, and sort codes) available to you at any time, or for any reason. All payment details are held securely and shared only with Our Third Party Payment Service Provider.
Taxes
1. It is the responsibility of Sellers to collect and pay applicable taxes on any sales made through Our Marketplace.
2. Where any tax, for example VAT, forms a part of the price of any item on Our Marketplace, the tax must be included in the price of the item.
3. Value added tax (“VAT”) may be charged to Buyers on purchases and to Sellers on fees payable to Us.
4. If a Seller is VAT registered, they may be required to charge VAT on the items that they sell on Our Marketplace.
5. For further information on VAT and other taxes in your location, please contact your local tax authority.
For automatically generated shipping labels
1. The seller may choose our third-party delivery service to ship their item. The cost of the shipment will be charged to the buyer.
2. Risk of title and loss will be the buyer’s responsibility.
Problems with Transactions and Buyers’ Rights
1. A Buyer may lodge a complaint regarding the order of their item within two (2) calendar days from the date on which the Buyer has received the relevant item, by completing the relevant cancellation / complaint form on Our Site https://www.cosresell.com
2. If a Buyer exercises their right to request a cancellation or lodge a complaint during the above cooling off period, The complaint and request will be sent to the seller.
3. If upon the claim and request, this one was accepted by the seller, the buyer will have the responsibility to send back the item to the seller and provide proof of postage of the item to the address of the sellers. The buyer will then be reimbursed within 15 days.
4. By law, Sellers must provide goods that are of satisfactory quality, fit for purpose, as described at the time of purchase, in accordance with any pre-contract information that the Seller has provided to the Buyer, and that matches any samples or models that the Seller has shown to the Buyer (unless the Seller has made the Buyer aware of any differences).
5. If items do not conform with the requirements outlined in sub-Clause 16.4 and, for example, have faults or are damaged when the Buyer receives them, the Buyer must follow the complaints and cancellations procedure set out above. The following remedies will be available to the Buyer:
  1. Beginning on the day that the Buyer receives the item(s), if the item(s) is/are goods, the Buyer has a 5 calendar day right to reject them and to receive a full refund if they do not conform.
6. Please note that Buyers will not be eligible to claim under this Clause 16 in the following circumstances:
  1. the Seller the Buyer of any fault(s), damage, or other problems with the item(s) before the Buyer purchases them and it is because of that/those same issue(s) that the Buyer subsequently wishes to return them;
  2. the Buyer has purchased the item(s) for an unsuitable purpose that is neither obvious nor made known to the Seller and the problem has resulted from the Buyer’s use of the item(s) for that purpose; or
  3. the problem is the result of normal wear and tear, misuse, or intentional or careless damage.
Account Cancellation Rights
1. You may close your Account and cancel your agreement with Us by going to My Account, My profile and click on close my account to send an email to customer support
2. If We have done something wrong, you may be entitled to cancel and receive a refund of certain sums paid for services that have not been provided to you. You may also be entitled to compensation. This may apply in the following circumstances:
  1. We have breached these Terms in a material way and fail to remedy the breach within << >> insert period of you asking Us to do so in writing; or
  2. We go into liquidation or have a receiver or administrator appointed over Our assets; or
  3. We change our service or these Terms to your material disadvantage; or
  4. We are adversely affected by an event outside of Our control
Our Liability to You
1. We are not a party to any transactions or relationships between Buyers and Sellers. We will not be responsible for any aspect of a transaction and make no warranties as to the quality, safety or legality of any item(s) purchased from Sellers on Our Marketplace.]
2. We will be responsible for any foreseeable loss or damage that you may suffer as a result of Our breach of these Terms or as a result of Our negligence.
3. To the fullest extent permissible by law, We will not otherwise be liable to you for any loss of profit, loss of business, interruption to business, or for any loss of business opportunity.
4. Nothing in these Terms seeks to limit or exclude Our liability for death or personal injury caused by Our negligence (including that of Our employees, agents, or sub-contractors); or for fraud or fraudulent misrepresentation.
5. If you are a business (i.e. a User using Our Site in the course of business and/or for commercial reasons), We accept no liability for loss of profits, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.
6. We use all reasonable skill and care to ensure that Our Site is free from viruses and other malware. Subject to sub-Clause 21.2, however, We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect your hardware, software, data, or other material that occurs as a result of your use of Our Site or any other site referred to on Our Site.
7. We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of Our Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
Viruses, Malware and Security
1. We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware [including, but not limited to, the scanning of all User Content uploaded by Users for viruses and malware as it is uploaded]. [We do not, however, guarantee that Our Site is secure or free from viruses or other malware and accept no liability in respect of the same, as detailed in sub-Clause 18.6, subject to sub-Clause 21.2.]
2. You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other internet security risks.
3. You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.
4. You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.
5. You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.
6. By breaching the provisions of sub-Clauses 19.3 to 19.5, you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.
Events Outside of Our Control (Force Majeure)
1. We will not be liable for any failure or delay in performing Our obligations to you where that failure or delay results from any cause that is beyond Our reasonable control. Such causes include, but are not limited to: power failure, internet service provider failure, industrial action by third parties, civil unrest, fire, explosion, flood, storms, earthquakes, subsidence, acts of terrorism, acts of war, governmental action, epidemic or other natural disaster, or any other event that is beyond Our reasonable control.
2. If any event described under this Clause 20 occurs that is likely to adversely affect Our performance of any of Our obligations to you:
  1. We will inform you as soon as is reasonably possible;
  2. Our obligations under these Terms will be suspended and any time limits that We may be bound by will be extended accordingly;
  3. We will inform you when the event outside of Our control is over and provide details of any new dates, times, or availability of services as necessary;
Disclaimers and Legal Rights
1. Nothing on Our Site constitutes advice on which you should rely. Information and other materials on Our Site are provided for general information purposes only.
2. Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure. If, as a result of Our failure to exercise reasonable care and skill, any digital content from Our Site damages your device or other digital content belonging to you (if you are a consumer) you may be entitled to certain legal remedies. For more details concerning your rights and remedies as a consumer, please contact your local Citizens Advice Bureau or Trading Standards Office.
3. We make reasonable efforts to ensure that Our Content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties, or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date.
4. We are not responsible for the content or accuracy of any User Content, nor for any opinions, views, or values expressed in any User Content. Any such opinions, views, or values are those of the relevant User and do not reflect Our opinions, views, or values in any way.
Communication and Contact Details
1. If We have your contact details, We may send you important notices by email. Such notices will only relate to important matters including, but not limited to, service changes; changes to these Terms, Privacy Policy, or Cookie Policy; and changes to your Account.
2. We will never send you marketing emails of any kind without your express permission. If you do give Us permission, you may opt-out at any time. Any and all marketing emails sent by Us include an unsubscribe link. If you opt out of receiving emails from Us, it may take up to 4 days for Us to comply with your request. During that time, you may continue to receive emails from Us.
3. If you wish to contact Us with general questions or complaints, you may contact Us by email at customerservice@cosresell.com.
4. For matters relating to Our Marketplace including, but not limited to, these Terms, transactions, Buyers, and Sellers, please contact Us by email at customerservice@cosresell.com.
5. For matters relating to cancellations, please contact Us by email at customerservice@cosresell.com or refer to the relevant Clauses above.
Data Protection
1. All personal information that We may use will be collected, processed, and held in accordance with the provisions of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) and your rights under the GDPR.
2. For complete details of Our collection, processing, storage, and retention of personal data including, but not limited to, the purpose(s) for which personal data is used, the legal basis or bases for using it, details of your rights and how to exercise them, and personal data sharing (where applicable), please refer to Our Privacy Policy https://www.cosresell.com/privacy
3. As a Seller, you will also collect, hold, and process Buyers’ personal information in the course of transactions (for example, buyers’ names, email addresses, and postal addresses). [You must have your own privacy policy in place to govern your collection, processing, and holding of Buyers’ personal data.] Sellers are, therefore, also considered data controllers under the GDPR and you will be responsible for complying with your legal obligations and protecting Buyers’ rights under the GDPR.
4. You must only use the personal data of other Users (whether they are Buyers or Sellers) to the extent necessary to complete a transaction, to communicate about a specific transaction, to communicate via Our Marketplace, and/or to respond to messages from them. You may not add any User to a mailing list, use their data for marketing, or retain any payment details. You may only use another User’s personal data for additional purposes with their consent.
5. If a Seller and Us are found to be joint data controllers of any Buyers’ personal data, and We are sued, fined, or otherwise incur any expense because of something a Seller has done with a Buyer’s personal data, the Seller agrees to indemnify Us for any expenses incurred by Us in connection with the Seller’s actions in respect of that personal data.
Disputes
1. If there is a dispute between a Seller and a Buyer, the procedure described in clause 16.1 - 16.3 will apply.
Other Important Terms
1. We may transfer (assign) Our obligations and rights under these Terms to a third party (this may happen, for example, if We sell Our business). If this occurs, you will be informed by Us in writing. Your rights under these Terms will not be affected and Our obligations under these Terms will be transferred to the third party who will remain bound by them.
2. You may not transfer (assign) your obligations and rights under these Terms without Our express written permission.
3. If any of the provisions of these Terms are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, that / those provision(s) shall be deemed severed from the remainder of these Terms. The remainder of these Terms shall be valid and enforceable.
4. No failure or delay by Us in exercising any of Our rights under these Terms means that We have waived that right, and no waiver by Us of a breach of any provision of these Terms means that We will waive any subsequent breach of the same or any other provision.
5. We may alter these Terms of Use at any time. [If We do so, details of the changes will be highlighted at the top of this page [and We will email you with details of the changes].] Any such changes will become binding on you upon your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time.
6. In the event of any conflict between the current version of these Terms and any previous version(s) , the current version shall prevail unless it is specifically stated otherwise.
7. We may revise these Terms from time to time in response to changes in relevant laws and other regulatory requirements. If any changes to these Terms are to your material disadvantage, you may cancel as set out in sub-Clause 17.2.3.
8. Use of Our Site is also governed by Our Privacy Policy and Cookie Policy, available from https://www.cosresell.com/privacy
Law and Jurisdiction
1. These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with the law of Singapore.
2. If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in Sub-Clause 25.1 above takes away or reduces your rights as a consumer to rely on those provisions.
3. If you are a consumer, any dispute, controversy, proceedings or claim between you and Us relating to these Terms and Conditions, or the relationship between you and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of [Singapore], as determined by your residency.
4. If you are a business, any disputes concerning these Terms and Conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of Singapore.