Chapter 1 General Provisions
  • Article 1 Purpose
    • These Terms & Conditions (hereinafter referred to as "Terms & Conditions") is aimed to set forth the rights, obligations and responsibilities, and other necessary matters of "Company" and "User" in relation to the use of "Service" provided by GlobePoint (hereinafter referred to as the "Company").
  • Article 2 Definition of Terms
    • (1) Definition of terms used in this "Terms and Conditions" is as follows.
      • ① The "Service" means all available "Services" provided by the "Company" regardless of the type of device and includes beta or trial type of services released in order to check for errors on the functions and receive feedback "User".
      • ② "Content" means knowledge related videos and other relevant information that "Members" provide by accessing "Services" of the "Company". Whether or not the "Content" is related to the knowledge shall be solely determined by the "Company".
      • ③ "Member" means 14 years of age or older person that can enter into the Agreement by accessing the "Services" of the "Company" to agree these Terms & Conditions and can continue to fairly use the information and the "Services" provided by the "Company".
      • ④ "User" means "Member" and non-members that use "Service" provided by the "Company" by connecting to the "Service" of the "Company" in accordance with the "Terms & Conditions".
      • ⑤ "Password" refers to the combination of letters and numbers and symbols set up by "Member" itself to confirm the "Member" to be matched with the name and "E-mail" address provided by "Member" and to protect the password of "Member".
      • ⑥ "E-mail" means the mail (e-mail) using mail or electronic media over the Internet.
      • ⑦ "Course" means the space in the "Service" provided by "Company", which is the space for video uploads, video streaming, video management, "User" management, etc.
      • ⑧ "License Course" refers to the authority to operate "Course".
      • ⑨ "Category" refers to the classification in the "Course" in accordance with standards prescribed by the "Company", taking into account the nature of the "Content".
      • ⑩ "Content Creation Support" means to get a variety of support for content creation "member" from the "Company" or a third party introduced by the "Company" for the production of the "Content" that "Member" gives access to and provides the services of the "Company".
    • (2) In addition to those defined in the preceding subparagraphs, the definition of other terms will be subject to trade practices and relevant laws and regulations.
  • Article 3 Validity and Modifications
    • (1) The "Terms & Conditions" shall be effected by the disclosure and publication on the "Service" provided by the "Company".
    • (2) The "Terms & Conditions", if there are reasonable grounds, may be amended to the extent not inconsistent with the relevant laws and regulations including "Act on the Regulation of Terms & Conditions", "Law on Promotion of Information and Communications Network and Information Protection", etc. In addition, the revised "Terms & Conditions" shall be effected by the disclosure and publication online, and revision of important provisions such as the rights or obligations of the "User" shall be notified in advance.
    • (3) The "Company" may change these "Terms & Conditions" if reasonable cause occurs, and if the "Terms & Conditions" are subject to change, the "Company" will notice it immediately. In addition, the revised "Terms & Conditions" shall be effected in the notice date.
    • (4) Agreeing to the "Terms & Conditions" means that the User will regularly visit the "Service" and check the changes to the "Terms and Conditions". The "Company" shall not be liable for any damage to the "User" caused by not knowing information on the changed "Terms & Conditions".
    • (5) If "Member" does not agree to the changed "Terms and Conditions", the "Company" may have to request a withdrawal (termination) of the "Member", and if the "Member" does not display the refusal within 15 days from the effective date of the changed "Terms and Conditions" and continues to use the "Service", it shall be deemed to have agreed to the changes in the "Terms and Conditions".
  • Article 4 Other Terms
    • Matters as not specified in the "Terms and Conditions" shall be subject to applicable law and commercial practice and rules as set forth in the notice of the "Company".
Chapter 2 "Service" Contract
  • Article 5 "Service" Application for Use
    • (1) Any non-members (hereinafter referred to as the "Customer in Application for Use") that want to use the "Service" shall fill in the requirements in the subscription form for "Member" as presented by the "Company" in such a way of internet access.
    • (2) The "Customer in Application for Use", if applies for use by clicking the Accept button or checking the check box at the bottom of the "Terms & Conditions", shall be deemed to have agreed to the "Terms & Conditions".
    • (3) The "User" that is not registered with the correct information for the subscription of "Member" can not claim any rights with respect to the use of the "Service".
    • (4) Only age 14 or older people can apply to join the "Member".
    • (5) For "Member" subscription, the applicant shall fill in accurate information to be contacted, and the "Company" can check the information for the management of the posts.
    • (6) The "Company", if there is no interference with work performance or technical difficulty with respect to the application for the use according to the provisions of this Article, will accept the application, without delay, as a rule. However, the "Company" will not accept any of the following.
      • ① If minors under the age of 14 have applied for the use of "Service"
      • ② If an operator that can not be used for normal business activities has applied
      • ③ If an applicant has applied using someone else's information
      • ④ In case of application for use of the "E-mail" address in use or the "E-mail" to inhibit the morals
      • ⑤ In case of a false application for use of the "Service"
      • ⑥ In violation of the "Terms & Conditions", or if confirmed to be illegal or the improper application for use
      • ⑦ If there are legitimate reasons for the protection of the "Customer in Application for Use"
    • (7) The "Company", if there is no interference with work performance or technical difficulty with respect to the application for the use according to the provisions of the preceding Article, will accept the application, without delay, as a rule.
    • (8) If there is a fail in the "Service" offered by the "Company" or "if there is no afford in the equipment of the "Company", and in the event of legitimate reasons including inspections due to site restructuring, the "Company" can hold the application until the approval of the use.
    • (9) When accepting the application for use, the "Company" can notify it such as through the "E-mail".
    • (10) "User" shall be responsible for the management of "Email" and "Password". "User" shall be responsible for such damages to the "Service" caused by careless management or unauthorized use by third parties, and the "Company" shall not be responsible for it.
Chapter 3 The Use of "Service"
  • Article 6 Commencement of the "Service"
    • "Service" will start immediately after the "Company" accepts the application for use under Article 5. However, if the "Company" does not start the "Service" due to a failure in business or technical things, the "Company" will notify it to the "Member".
  • Article 7 "Service" Hours
    • (1) "Service" will be provided as a rule for 24 hours unless there is business, a technical failure or other special reason of the "Company".
    • (2) If there is an interference with the use of the "Service" due to force majeure such as maintenance, replacement and failures, communications problem, congestion of "Service" or if the "Company" requires for other reasons, the "Company" can limit the use of the "Service" in whole or in part.
    • (3) In the case of the "Service" interrupted by the paragraph 2, the "Company" shall not indemnify for damages of "User" or "Third Parties" caused by the temporarily interrupted service. However, intention or gross negligence by the "Company" shall not be applied.
  • Article 8 Limit to Use of the "Service"
    • (1) If "User" conducts corresponds to any of the following paragraphs, the "Company" can then terminate of the Agreement or limit the use of "Service" in any specified period without notice.
      • ① If "User" does not fulfill its obligations under Article 13
      • ② If "User" steals someone else's "E-mail" address and the "Password"
      • ③ If "User" willfully interferes with the operation of the "Service"
      • ④ If "User" deliberately disseminates the information that harms public order and morals
      • ⑤ If "User" is deemed to use the "Service" for the purpose to harm the national interests or social public interests or for the criminal purpose
      • ⑥ If "User" acts to damage the honor or impose disadvantage of others
      • ⑦ If "User" willfully damages the "Service" by exploiting the purchasing policies of "Service", or hinders the sound use of the "Service" by posting such virus infection data
      • ⑧ If "User" infringes or has a possibility to infringe another user's or any third party's property or anyone is determined to claim that its intellectual property will be infringed
      • ⑨ If wartime, incidents, acts of God or national emergency or the like occur or are likely to occur and if there is a Force Majeure such that a key telecommunications business operator stops telecommunications "Service" by the Telecommunications Act
      • ⑩ If the "Company" deemed a "User" as inadequate
    • (2) Despite the provisions of the preceding paragraph, the free "Service", by reason of a change to management policy of the "Company", may be restricted or suspended in whole or in part, and can be converted into paid services.
    • (3) When limiting or stopping the use of "Service" and converting the free "Service" to paid services, the "Company" shall inform the customers without delay of the reason, limited period of time, expected date, etc.
  • Article 9 Interruption of "Service"
    • In any of the following cases, the "Company" may restrict or suspend all or part of the "Service".
      • ① If the "Company" is in repair, inspection, replacement and failure of telecommunications equipment including computers owned by the "Company"
      • ② If key telecommunication operator or a foreign service currently being used by "Company" as prescribed in the Telecommunications Business Act stops the telecommunication services
      • ③ When there is an interference with the normal use of "Service" due to national emergencies, power outages, failure of "service" equipment or congestion in the use of "Service"
      • ④ When the national authorities request to limit the use
  • Article 10 Release of Information and Publication of Advertising
    • (1) The "Company" can provide the "User" with a variety of information and advertising deemed necessary in such a way of banner posting, "email", mobile phone short message (SMS), telephone, mail, etc. "User" may, if doesn't want, reject receiving them in accordance with the method provided by the "Company".
    • (2) Even in case of quiesce "User" in accordance with the provision of the preceding paragraph, the "Company" can provide the information such as "Terms & Conditions", Privacy Policy and other important changes that may affect the interests of "User" that the "User" must be aware of.
    • (3) The "Company" can not be held responsible for any loss or damage arising as a result of the transaction or user's participation in promotions of advertisers.
  • Article 11 Editing and Deleting of Information
    • (1) The "Company", if determines the information such as the "Category" to which the "Course" operated by membership who has acquired "Course License" is attributable inappropriate, reserves the rights to add, change and modify it without the approval of the membership.
    • (2) The "Company", if determines that "Course License" display name, "Course" name, video title, course licensing member profile image, course cover images, etc. do not meet the company's policy or are inappropriate on social norms, reserves the rights to add, change, modify and delete it without the approval of the membership.
    • (3) The "Company", if contents or operation of the "Course" or contents of the video belonging to the "Course" do not meet the company's policy, may change, modify or delete "Course" or "Video" arbitrarily without approval of the members that have acquired "Course License", and in this case, it should be notified to the "E-mail" which has been entered by "Course License"-acquired members.
    • (4) "Course License"-acquired members that want to change "Course" name, video price and uploaded videos already entered, shall request a change and obtain the approval of the "Company".
Chapter 4 Obligations of the Contracting Parties
  • Article 12 Obligations of the "Company"
    • (1) The "Company" shall exercise the rights and implement obligations prescribed by statute and the "Terms & Conditions" faithfully.
    • (2) The "Company" shall always maintain and repair the "Service" facility provided in operable condition and shall do its best to continue to reliably provide the "Service".
    • (3) The "Company" shall not disclose and circulate any personal information of "User" obtained in connection with "Service" to a third party without the consent of the "User". However, if there are requirements by related governmental organizations, under related laws and regulations including the provisions of the Telecommunications Basic Act or if there is a presentation of the warrant for investigation purposes, it will not be applied to the case.
    • (4) The "Company" shall not distribute or publish the "Contents" provided by "Member" in whole or in part to a third-party service. However, if the "Company" gets the consent from "Member" for the promotion of "Service" or the "Contents", it shall be an exception.
    • (5) The "Company", if comments or complaints raised by "Member" in relation to the use of "Service" are deemed reasonable, will try its best efforts to resolve them. For comments or complaints raised by "Member", the "Company" will deliver the process and results through "E-mail" to "Member".
  • Article 13 Obligations of "User"
    • (1) "User" shall fill in correct information based on the fact for the new input or change of the "Member" subscription information or "Course License" registration information, and if registering it with false or someone else's information, the "User" can not claim any rights, and will not take any liability for the matter resulted from this.
    • (2) The "User" can upload only "works", "contents", images and attachments directly holding the copyrights, intellectual property rights and any other necessary rights to the "Service", but for "works", "contents", images and attachments with which the "User" does not hold the copyrights, intellectual property rights and any other necessary rights, the "User" can upload to the "Service" only after receiving prior approval through the legal procedures from third parties that hold the rights. If the "User" does not hold the copyrights, intellectual property rights and any other necessary rights regarding "works", "contents", images and attachments, the "User" shall have a responsibility for any other issues that may arise due to not holding all the rights required, and the "Company" shall assume no liability in connection with it.
    • (3) The "User" shall not take a profit by using the "Service" without the prior consent of the "Company" and other "Users" who are "Content" providers, and the "Company" shall not take any responsibility for the consequences of a commercial activity. In addition, if the "Company" or "Content" copyright holder has suffered damages due to such a profit-seeking activity, the "User" shall liable for the damages to the "Company" and "Content" copyright holders, and the "Company" or "Content" copyright holders can claim such damages to the "User" through the limited use of "Service" and legal procedures.
    • (4) The "User" shall not copy, reproduce, edit, transfer, offer, present, adapt, distribute, broadcast, display, sell, license the "Contents" for any purpose without the prior written consent from the person who holds all the rights, including copy rights with respect to each of the "contents".
    • (5) The "User" shall not download "Contents" in the "Service" without getting express written permission of the "Company" for the download of the "Contents".
    • (6) The member who has acquired "License Course" shall not transfer the "Course" operated in the "Service" to other "User".
    • (7) The "User" shall comply with requirements stated by the "Company" including relevant laws, regulations of the "Terms & Conditions" and guidance for use, and shall not conduct the act detrimental to the work or the act of damaging the honor.
    • (8) The "User", if the contract requirements including "Email" are changed, shall notify to the "Company" immediately through the procedure.
    • (9) Except in the case where the "Company" takes the responsibility on the basis of the relevant laws and "Privacy Policies", the "User" shall take a responsibility for all the results caused by the user's negligence and illegal use of "E-mail" address and "Password".
    • (10) The "User" shall be responsible for reporting the income arising from "Content" sales within the "Service" and tax obligations to the tax authorities, and the "User" shall be responsible for any penalties arising from non-reporting and non-payment."
    • (11) The "User" shall not infringe intellectual property rights of the "Company" and a third party, and shall be responsible for all the consequences of the corresponding action.
    • (12) The "User" shall not be engaged in activities that correspond to each of the following, and in the case of the following action, the "Company" may impose sanctions including limited use of the "Service" and legal actions of the "User".
      • ① False information of another person's ID theft and "Member" information
      • ② Violation of intellectual property rights of "Company" and a third party
      • ③ If "User" interferes the use of "Service" of other "users" or claims to be the staff, employees or officials of the "Company"
      • ④ If "User" harms public peace and good order or traditional custom, or publishes associated code, letters, voice, sound and video information and distributes to others
      • ⑤ If "User" utilizes the "Service" for commercial purposes without the consent of "Company" or "Content" copyright holder
      • ⑥ If damaging honor of "Company" and other third parties
      • ⑦ In the case of a violation of the relevant laws and regulations and requirements as specified in the present "Terms & Conditions"
  • Article 14 Protection of Personal Information
    • (1) The "Company" highly regards the protection of personal information of "Member", and the "Member" utilizes the use of "Service" and the "Company" is trying its best to protect personal information provided to the "Company" online at the same time. In addition, for the protection and use of personal information of "User", the relevant laws and Privacy Policy of the "Company" applies. However, for web linked sites other than the official site of the "Company", privacy policies of the "Company" does not apply. In addition, the "Company" shall not be responsible for the information exposed by reasons attributable to the "User".
    • (2) No personal information provided shall be used for other purposes or provided to any third party without the consent of the "User", and the "Company" shall assume all the responsibility for it. However, the following cases will be the exception.
      • ① If requested on the purpose of the investigation by the relevant laws and regulations from the authorities
      • ② If requested by the Information Communication Ethics Committee
      • ③ If by other laws and regulations
      • ④ If provided in a form that can not identify a specific individual as when necessary for creating statistics, academic research or market research
    • (3) The "Member" may always request to see and correct personal information held by the "Company" and the "Company" is obliged to take the necessary measures about it without delay.
    • (4) "Member" can always terminate the contract to withdraw the consent to the collection and use of personal information, the separate consent for other use than purposes, the separate consent for providing it to third parties.
    • (5) The information on the "Member" held by the "Company" shall continuously be maintained for the "Service" if the "Member" has no intention to withdraw "Member" and as long as the site exists.
    • (6) The "Company" may collect the interest and information for the "Service" from "User".
Chapter 5 Copyright
  • Article 15 Copyright
    • (1) The rights and obligations of copyright and other intellectual property rights for works including the images and various files and links that the "Member" has posted shall be attributed to the "Member", the publisher of the works, and the "Company" does not hold any copyright and other intellectual property rights.
    • (2) "Member", if a problem or dispute occurs in connection with "Content" published by the "Member" on "Service", shall be entirely responsible for these matters, and in the event of a dispute between the publisher and the third party, the "Company" has no responsibility in relation to such a dispute.
    • (3) The copyright of the "Content" published by "Member" shall be retained by the original author, but the "Company" will save the "Content" provided by the "Member" to "Service" in the server that the "Company" owns and uses, and will use the "Content" of the "Member" in such a way that other "Member" and other "User" can view it by streaming "Service".
    • (4) The "Company" can not use the "Content" posted by "Member" for commercial purposes other than the "Service without the consent of the "Member". However, for non-commercial purposes, the "Company" can use it after notification to the "Member" who have posted "Content".
    • (5) "User" shall not infringe copyright by an act of recording, reproducing, editing, exhibiting, transmitting, distributing, selling, broadcasting, performing the information obtained by using "Service" provided by "Company" without the prior consent of the copyright holder.
    • (6) The "Company" may delete, move or refuse registering the "Content" or the data hereunder the paragraph without prior notice, and can stop the use of "Service" or can cancel it by force, depending on the amount of the "Content".
      • ① The "Company" determines that the "Content" is not consistent with the nature of "Service" (eg, the "Content" that includes personal or political judgment or religious views)
      • ② When "Content" may insult other "Member" or third parties or damage the honor
      • ③ If "Content" results in a significant hindrance to the use of "Service" of other customers
      • ④ When disseminating or linking the content which may be in violation of public order and morals
      • ⑤ If the contents may promote piracy or hacking
      • ⑥ When objectively considered to be associated with crime
      • ⑦ If the contents may infringe other rights including copyrights of other "User" or any third party
      • ⑧ If it is determined that the contents is in a violation of the relevant laws
Chapter 6 Purchase and Refund / Change of Paid "Service"
  • Article 16 Price and Terms of "Content"
    • (1) Whether the "Content" published in the "Service" provided by "Company" to be free/paid shall be determined by "Content" provider for each "Course", and the price of the "Content" shall be less than 500 won.
    • (2) The price of the paid "Content" can be set for each of the two periods as follows: However, "7 days" shall basically be provided, and "Unlimited" is the option of the "Content" provider.
      • ① 7 days (hereinafter referred to as the "7 days"): It can be played for 7 days after the "Content" purchased by "Member" is first played, and the "Member" if wishes to play after the playback period has expired, shall purchase the "Content" again
      • ② Unlimited (hereinafter referred to as the "Unlimited"): "Member" can play the purchased "Content" without the constraints of the purchase period. However, the playback will stop when the "Content" is deleted according to the determination of the "Company".
    • (3) Subject to paragraph 2 of this Article, "Unlimited" "Content" shall be set to over "7 days" prices.
    • (4) "content" providers "content", which is available free of charge to the "content" will be played, regardless of the time period until you delete it.
  • Article 17 Incorrect Charges
    • (1) If a mistake has occurred, the total amount of incorrect charges shall be refunded in the same method as payment of the price. However, when a refund is not possible in the same way, it shall be notified in advance.
    • (2) If incorrect charges are caused by the "Company", the "Company" shall refund the total of incorrect charges, regardless of contract costs, charges, etc. However, if incorrect charges are caused by the "Member", the costs required to refund will be borne by the "Member" within a reasonable range.
    • (3) The "Company", if rejects a refund of incorrect charges the "Member" claims, shall be liable to demonstrate that the charges are correctly imposed.
    • (4) The "Company" shall process a refund in accordance with Digital Content Protection Directive.
Chapter 7 Distribution of Sales and Revenue of Paid "Service"
  • Article 18 Sale of Paid "Service"
    • (1) The price of the "Content" published in the "Service" provided by the "Company" shall be determined including VAT by "Member", the "Content" provider.
    • (2) The "Company" can, without separate notice, discount the normal price of "Content" published in the "Service" for the various promotions and events hosted by the "Company".
    • (3) The distribution of the revenue of the "Content" discounted and sold shall be applied to the same ratio as defined in Article 20. However, in the case of the "Content" 100% off the normal price, it is required to obtain the prior consent of the "Content" providers.
  • Article 19 Distribution of Profits
    • (1) The "Company" shall pay 70% of the net sales of the "Content" published by the "Member", the "Content" provider, on 25 days of the following month (if not a business day, it will be on a next business day) to the account as designated by "Member". However, when a complaint is filed for the "Content" or there is a problem of copyright infringement, the "Company" can postpone the payment, and when "Content" is deleted in accordance with the paragraph 6 of Article 15, the "Company" can deny the payment of a fee.
    • (2) The net sales of the "Content" set forth in paragraph 1 of this Article refer to the amount after tax and utility charges including VAT, a refund by customer request, and other expenses including payment-related charges are deducted from the total sales (all revenue obtained by selling the "Content" in the "Service" provided by the "Company").
    • (3) The "Company" can support production of "Content" after separate consultation with "Member", the "Content" provider. Notwithstanding Article 1, in this case, the distribution ratio of profits of the "Content" sales shall be determined subject to a separate agreement between the "Company" and "Member", the "Content" provider, and whether to support production of "Content" shall be determined by the "Company" in view of the marketability and contribution of the "Content".
    • (4) The "Company", if necessary, can cut or raise the distribution ratio of sales profit of "Content" specified in Article 1 through a separate agreement with the "Content" provider.
    • (5) If the "Company" can not pay profit sharing amount due to errors of the "Content" provider and can not reach the "Content" provider due to errors of personal information, the payment of a dividend shall be postponed to the following month, the financial benefits shall not be paid. Also, if the "Company" can not pay the payment for more than six months and can not reach the "Content" provider, payment obligations will automatically be terminated.
Chapter 8 Termination of the Agreement
  • Article 20 Termination of the Agreement
      (1) "Member" may request the "Company" to terminate the Agreement at any time, and then the "Company" shall treat it immediately as provided in the relevant laws and regulations. (2) If "Member" terminates this Agreement, all data will immediately be destroyed in accordance with applicable laws and Privacy Policy, except when the "Company" holds "Member" information. (3) If "Member" terminates this Agreement, all posts registered to its account such as the "Content" posted by "Member" will be deleted. However, if other "members" purchase the "Content", the "Content" may not be deleted.
Chapter 9 Disclaimer and Settlement of Disputes
  • Article 23 Disclaimer
    • (1) If the "Company" can not provide "Service" due to force majeure such as a natural disaster, war and other similar things, the responsibility for providing "services" will be exempt.
    • (2) The "Company" can not be held responsible for damages caused by of the "Service" failure, interruption, loss, deletion or modification of the archived "Content", etc. However, the ones caused by intention or gross negligence of the "Company" are excluded.
    • (3) The "Company" shall not be liable for the failure of the "Service" that has occurred due to reasons attributable to the "User".
    • (4) The "Company" shall not be liable for information, data, the reliability and accuracy, etc. of the facts published by "User" in conjunction with the "Service".
    • (5) "The "Company" shall not be liable for the dispute arising out of the "Content" between "Users" or between "User" and a third party.
    • (6) The "Company" shall not be liable for damage that has occurred because key service providers stop or does not provide telecommunications "Service" normally, the responsibility will be waived.
    • (7) The "Company" shall be exempt from liability if damage has occurred due to unavoidable reasons such as maintenance replacement, periodic inspection, construction, etc. of the equipment for "Service".
    • (8) The "Company" shall not be liable for damage that has occurred due to computer error of the "User" or damage that has occurred inaccurate filling of the personal information and "email" address of the "Member".
    • (9) The "Company" shall not be responsible for the return or loss the "User" gets by using the "Service".
    • (10) The "Company" shall not be responsible for any damages resulting from data obtained while the "User" uses "Service". In addition, the "Company" is not responsible for compensation for mental damages of the "User" suffered from other "users" while using "Service".
    • (11) The "Company" shall not be responsible for any damages in relation to use of the free "Service" offered by "Company" to "User".
  • Article 24 Settlement of Disputes, etc.
    • (1) The "Company", when a dispute occurs, shall take appropriate and prompt actions by reflecting a legitimate opinion or complaint raised by the "Member". However, the "Company" if the rapid actions are impossible, will notify the reasons and schedules to the "Member".
    • (2) Notwithstanding the preceding paragraph, the "Terms & Conditions", Use of "Service", all related things between "Member" and "Company" will be subject to the laws of the Republic of Korea.
    • (3) If a lawsuit is filed for the dispute resulting from the use of "Service", the competent court will be the court where the head office of the "Company" is located.
  • [Addendum]
    • The "Terms & Conditions" shall be effected from April 1, 2015. The existing Terms & Conditions that were effective from October 1, 2014 shall be replaced by these Terms & Conditions.