HIGH NET WORTH INDIVIDUALS
(defined in FSMA, Section 48(2)
Somebody who had, throughout the financial year immediately preceding the date of receipt of this communication, an annual income to the value of 100,000+ OR net assets to the value of 250,000+ excluding the property used as their primary residence or any money raised through a loan secured on that property, any rights under a qualifying contract of insurance, any benefits in the form of pensions or otherwise, which are payable on the termination of service, death or retirement to which they or their dependents are or may be entitled.
SELF-CERTIFIED SOPHISTICATED INVESTORS
(defined in FSMA, Section 50A(1)
Somebody who is a member of a network or syndicate of business angels and has been for at least the last six months prior to the date of receipt of this communication, OR has made more than one investment in an unlisted company in the two years prior to the date of receipt of this communication, OR is working (or has worked in the two years prior to the date of receipt of this communication) in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises, OR is currently (or has been in the two years prior to the date of receipt of this communication) a director of a company with an annual turnover of at least £1 million. Moving ahead with our investments confirms you are eligible in full understanding of the risks involved and minimum 3 year term for each investment.
CAPITAL AT RISK. ENSURE YOU CAN BARE THE RISKS OF INVESTING AS ALL INVESTMENTS CARRY AN ELEMENT OF RISK.
Last updated: 3 April 2019
Schwabcore Management takes the privacy and security of your personal information very seriously, and were committed to protecting and respecting your privacy.
As Schwabcore Management, we include the entities weve listed below. When we use “Schwabcore Management”, we, ‘our’ or us throughout this Policy, were referring to any one of our entities. All our legal entities may act as data controller of your personal information.
We recognise that there are risks to you with us processing your personal information, such as financial loss if there is a security breach, You can find out more information about our security measuresby emailing firstname.lastname@example.org.
We are always looking to improve the information we provide to our customers and contacts so if you have any feedback on this Policy, please let us know using our contact page.
We collect and process your information in these circumstances:
a) When you give us your personal information by phone, email, and via our websites, in writing or otherwise. This includes but isnt limited to information you give us when you open an account, request quotations, register for email alerts, request literature, signup for newsletters or enter a competition, promotion or survey. The information you give us can include your name, address, email address and other contact information. It can also include your financial and debit card information and other personal details such as your National Insurance number and health information.
b) When you visit our premises: Because of our security policies and procedures in our office premises, we will collect images of visitors using CCTV footage.
c) When you visit our website: When you visit our websites we automatically collect information which includes: the Internet Protocol (IP) address used to connect your computer to the internet, your login information, your geographic location, your browser and browser plug-in type and version, and your operating system and platform. We also collect information about your visit, including the source of your visit, and the full click path and mouse movement through our sites (including date and time). This includes the services you viewed, searches you made on our sites, page response times, download errors, length of visits to certain pages, page interaction information (such as page scrolling, mouse clicks, mouse movements and keyed text), and how you navigated away from any page and any phone number you use to call our Helpdesk. We collect this type of information using a website recording service.
d) When we email you: From time to time when you open an email weve sent you, we automatically collect information including your geographic location, browser type and version, the device, and the operating system and platform youre using. We also collect information about your email consumption, including the full click path from within and on to our sites (including date and time), and whether you opened, deleted, forwarded, printed or unsubscribed from the email, and also how long the email was open.
e) When we receive your information from third party service providers: We may receive information about you from third party service providers such as credit reference agencies, payment service providers, or analytics providers. If you have a workplace pension with us, we also receive personal information from your employer.
If we dont receive all of the personal information weve requested from you, then we wont be able to provide all of our products and services to you.
Some of the personal information that we collect about you or which you provide to us about you or your family members may be special categories of data. Special categories of data include information about physical and mental health, sexual orientation, racial or ethnic origin, political opinions, philosophical belief, trade union membership and biometric data. We take special care with this data.
3. How we use your information
We use your personal information in the following ways:
- To provide you with any services and/or information you request from us. This also includes carrying out any obligations specified in any contracts between us.
- To get quotations or arrange investments or insurance for you with regulated entities.
- If you contribute to a childs Junior investment, well give your name to the parent/guardian whos responsible for the account.
- If you apply for an account with us for someone else, acting with power of attorney, well use the information you give us about the applicant (including information about the applicants mental health) and your role as the attorney to provide the product or service you request.
- To comply with our legal and regulatory obligations, co-operate with the court service, our regulators and law enforcement agencies and to prevent and detect crime.
- To check instructions youve given us or to resolve disputes including to establish, exercise or defend our legal rights.
- To improve the quality of our services and to train our staff.
- To let you know about any changes we make to our service.
- To process any job application you submit, or that an agency submits for you.
- To tell you (by mail, email, telephone or otherwise) about products and services we think you could be interested in, based on our products you already have or have shown an interest in. You can opt out of this communication at any time.
- To confirm your identity and address, which includes using automated decisions when we carry out financial crime checks.
- To request your feedback on a product or service via a third party weve chosen (well only share your name and email address).
- Gathering data for analysis and research, and to provide management information or other services internally and to third parties.
- To administer our sites and for internal operations, including troubleshooting, data analysis, load management, testing, research, statistical and survey purposes.
- To improve our sites to make sure that our content is as effective as we can for you and for your computer.
- So we can provide services such as the most popular information on our site.
- So we can show you and others targeted advertisements when you browse the internet.
- So you can choose to participate in interactive features of our sites.
- As part of our efforts to keep our sites safe and secure and to prevent and detect money laundering, financial crime and other crime.
- To monitor, record, store and use any telephone, email or other communication with you. Well update your records with any new information you or a third party give us, and well add it to any information we already have.
- When you call our main contact phone number, well collect the Calling Line Identification information and keep a copy of the call for training and security purposes. Well also use your information to help improve our efficiency and effectiveness.
- To deal with any enquiries or issues you have about how we collect, store and use your information, or any requests made by you for a copy of the information we hold about you.
- For internal corporate reporting, business administration, ensuring adequate insurance coverage for our business, ensuring the security of company facilities, research and development, and to identify and implement business efficiencies.
4. Information security
We take the security of your personal data very seriously, and we use appropriate technologies and procedures to protect your personal information.
We keep our data security policies and procedures up to widely accepted international standards. In addition, we review our policies regularly and update them whenever needed to protect you, and to meet our business needs, changes in technology, and regulatory requirements.
Here are examples of the ways we protect your data:
a) We have appropriate technical and organisational measures in place to protect you against accidental loss and unauthorised access, use, destruction or disclosure of your data.
b) We have a business continuity and disaster recovery plan that is designed to help us offer our services and protect our people and assets no matter what happens.
c) We place appropriate restrictions on access to personal information.
d) We implement measures and controls, including monitoring and physical measures, to store and transfer data securely.
e) We complete data protection impact assessments in accordance with legal requirements and our business policies.
f) We provide data security training for our employees.
g) We use a stringent approach to vendor risk management.
The internet is an open medium and we cant guarantee that any information you send to us by email or via our sites wont be intercepted or tampered with. Any transmission is at your own risk. To help protect your personal information and minimise the risk of it being intercepted by unauthorised third parties, our secure servers use Secure Socket Layer v3 (SSL) encryption when you submit information to us through our sites. You can see this security is in place when you see “https” and the padlock on your URL bar. Older browsers dont always support current SSL technology, so we recommend that you use an up-to-date browser. Once weve received your information, we use strict procedures and security features to try to prevent unauthorised access. For more information please email email@example.com
5. Our legal basis for using your information
Our legal basis for collecting and using your personal information depends on the exact type of information and how and when we collect it. However, well normally only collect personal information from you, your employer, or another third party where one of the following applies:
a) we need your personal information to perform a contract with you (for example if you are a client of one of our financial service products);
b) its in our legitimate interests or the legitimate interests of others (for example, to ensure the security of our website). Our legitimate interests are to:
i. run, grow and develop our business;
ii. ensure a safe environment for our staff and website visitors;
iii. marketing, market research and business development;
iv. provide client services; and,
v. for internal group administrative purposes.
If we rely on our (or another person’s) legitimate interests for using your personal information, we will undertake a balancing test to ensure that our (or the other person’s) legitimate interests are not outweighed by your personal interests or fundamental rights and freedoms which require protection.
c) we have your consent (for example you have ticked a box on a form):
We may use your special categories of data (such as health information) where you have provided your consent (which you may withdraw at any time after giving it, as described below).
We may also process your personal information in some cases for marketing purposes on the basis of your consent (which you may withdraw at any time after giving it, as described below).
If we rely on your consent for us to use your personal information in a particular way, but you later change your mind, you may withdraw your consent by contacting us and we will stop doing so. Investments can go up as well as down and are at risk.
d) we have a legal obligation to collect your personal information (such as for H.M.R.C. reporting).
When we collect personal information to comply with a legal requirement or to enter into a contract with you, well let you know at that time. Well also tell you if providing your personal information is mandatory or not, and what the consequences would be if you dont provide it. Similarly, if we collect and use your personal information for our legitimate interests (or those of any third party), which are not set out above well tell you at that time what those legitimate interests are.
6. How and when we share your information
Well share your personal information with other members of the Schwabcore ManagementGroup to:
a) help us to better understand your needs, run your accounts and improve our products and services. This could be, for example, client modelling, or statistical and trend analysis; and
b) contact you to tell you about the products and services we provide and think you could be interested in.
We also share your information with the following third parties: partners, suppliers, sub-contractors including but not limited to payment service providers, advertising networks, our professional advisors such as lawyers, auditors, insurers and information, service and software providers that help us improve and optimise our sites.
Our reasons for sharing your information with these service providers include:
a) To uphold our part of any contract we enter into with them or you.
b) To enforce or apply our statutory disclosures or any other agreement or to protect the rights, property or safety of our sites, our users or others.
c) In agreement with advertisers and advertising networks that require your information so they can select and serve adverts about our services to you and others. We will only share your personal information with third party advertisers in order to help them provide services on our behalf.
We will also disclose your information to third parties:
a) where it is in our legitimate interests to do so to run, grow and develop our business:
b) if we sell or buy any business or assets, we may disclose your personal information to the prospective seller or buyer of such business or assets;
c) if substantially all of our assets are acquired by a third party, in which case personal information held by us will be one of the transferred assets;
d) if we are under a duty to disclose or share your personal information: in order to comply with any legal obligation, any lawful request from government, judicial bodies or agencies to make sure we comply with our legal and regulatory obligations; with law enforcement officials; and as may be required to meet national security or law enforcement requirements or prevent illegal activity; to work with fraud prevention agencies, other companies and organisations to prevent or detect financial and other crime.
e) in order to enforce or apply our terms and conditions or any other agreement or to respond to any claims, to protect our rights or the rights of a third party, to protect the safety of any person or to prevent any illegal activity; or
f) to protect our rights, property, or safety and that of our staff, our customers or other persons. This may include exchanging personal information with other organisations for the purposes of fraud protection and credit risk reduction.
When share your information with third parties, we make sure the appropriate safeguards are in place to protect your personal information.
We will never sell, trade, or rent your personal information to anyone.
We usually store your information on our secure servers in the UAE.
However, where we use third parties to process your information for us, for any reason detailed, we may transfer your information to, and store it and process it inside or outside the European Economic Area. This could be for (but isnt limited to) the following purposes:
a) If youve agreed with us and your employer that well provide them with your trading activity and account balance details.
b) Where a fund group in which you hold units requests details of the investors in their funds to comply with their regulatory obligations.
c) In order to obtain quotations or to arrange investments or insurances with regulated entities.
Our partners and service providers may also transfer your personal information outside of the European Economic Area.
Countries outside the European Economic Area where your personal information can be transferred to include: United States of America andUAE.
8. How long we store your personal information
We keep the personal information we collect from you, your employer, and other third parties, where we have an ongoing legitimate business need to do so (for example, to provide you with a service you have requested or to comply with applicable legal, tax or accounting requirements).
We keep all records for a minimum of ten years from when you stop being a client with us, or from when your records were provided to us (whichever is longer). We can use it to respond to any questions or complaints, to maintain records according to rules that apply to us, or for fighting financial crime, including fraud.
In certain circumstances, we will keep your information for longer than ten years – for example if we can’t delete it for technical reasons or for compliance with our legal and regulatory obligations. If your personal information is kept for longer than ten years for research and statistical purposes it will be anonymised.
When we have no ongoing legitimate business need to hold your personal information, we will either delete or anonymise it. If we cant do this (for example, because your personal information is stored in backup archives), well securely store your personal information, only use it for a purpose weve already communicated to you, and isolate it from any further processing until archives are deleted.
To note specifically for our UK clients. Our Physical Commodities are not UK based nor operated. Physical commodity investments fall out of the scope of the FCA. We are not required by law to be regulated by the FCA in Britain. However we do comply with all of their guidelines IF you request to be contacted. All our practices are operated outside of UK jurisdiction. We back and fully support all European investors.
Where we process information on behalf of other organisations we apply the same retention periods as above.
We may collect and use your personal information for undertaking marketing by email, telephone and post.
We may send you certain direct marketing communications (including electronic marketing communications to existing customers) if it is in our legitimate interests to do so for marketing and business development purposes.
However, we will always obtain your consent to direct marketing communications where we are required to do so by law.
You have the right to ask us not to process your personal information for marketing purposes. You can do this by contacting us by email using the details in the Contact Schwabcore Management page. You can also unsubscribe from emails by simply emailing unsubscribe.
10. Your rights
a) Right of access: You have the right of access to any personal information we hold about you. You can ask us for a copy of your personal information; confirmation whether your personal information is being used by us; details about how and why it is being used; and details of what safeguards are in place if we transfer your information outside of the European Economic Area.
b) Right of to update information: If any of the information we hold is inaccurate, you can ask us to make any necessary amendments. IT IS YOUR RESPONSIBILITY TO ENSURE DETAILS YOU PRESENT TO US ARE ACCURATE AS WE ARE NOT RESPONSIBLE FOR CLIENT ERROR.
c) Right to request withdrawal: For all investments, the minimum fixed holding full term is minimum of 5 years.
d) If you have any complaints or concerns about our handling of your personal information please do get in touch with us and we will do our best to resolve these. You can contact us by emailing firstname.lastname@example.org
E) Physical Commodities which we solely operate are not regulated by the FCA. You can look at this here: https://fca.org.uk/publication/finalised-guidance/guide-to-commodity-markets-regulation.pdf. We predominantly work with physical food commodities at source level outside of the EU. We do not provide:
- Forwards, Futures, and Swaps
- contracts for difference, and
- options on financial instruments (as well as currencies and precious metals)
We taking investing very seriously which is why we speak to the FCA on behalf of our UK based clients to ensure we are adhering by their guidelines and laws. Laws sometimes change. As a responsible company we like to keep the company and investors up to date.
In accordance with Article 77 of the General Data Protection Regulation, you have the right to complain about our collection and use of your personal information to our management team.
In certain specific circumstances you also have following further rights:
a) Right of deletion: You have a right to ask us to delete any personal information which we are holding about you.
b) Right to restrict use of your information: You have a right to ask us to restrict the way that we process your personal information.
c) Right to data portability: You have a right to ask us to provide your personal information to a third party provider of services.
d) Right to object. You have a right to ask us to consider any valid objections which you have to our use of your personal information where we process your personal information on the basis of our or another persons legitimate interest.
e) Right to stop marketing: You have a right to ask us to stop using your personal information for direct-marketing purposes.
We will consider all such requests and provide our response within a reasonable period (and in any event within one month of your request, unless we tell you we are entitled to a longer period required by applicable law). Please note, however, that certain personal information may be exempt from such requests in certain circumstances, for example if we need to keep using the information to comply with our own legal obligations or to establish, exercise or defend legal claims. If an exception applies, we will tell you this when responding to your request. We may request you provide us with information necessary to confirm your identity before responding to any request you make.
This is a legally binding agreement (“Agreement”) between you (the “Client”) and SCHWABCORE MANAGEMENT and ACM (hereinafter “we”, “us”, “our”, and/or “Company”). We reserve the right to prospectively modify the Terms of this Agreement from time to time. If we modify any term of this agreement we will notify you via email but it is your responsibility to verify and check the Terms from time to time for such modifications. Your continued use of our services after sending modified terms constitutes your consent to be bound by the terms, as amended. PLEASE ENSURE THAT YOU READ AND UNDERSTAND ALL THESE TERMS & CONDITIONS CONTAINED HEREIN. IF ANY TERM OR MODIFICATION IS UNACCEPTABLE, YOU CAN TERMINATE THIS AGREEMENT AS PER THE TERMS OF THIS AGREEMENT. YOUR AGREEMENT TO THESE TERMS SHALL OPERATE AS A BINDING AND LEGALLY ENFORCEABLE AGREEMENT BETWEEN YOU AND SCHWABCORE and ACM IN RESPECT OF THE SERVICES OFFERED. The agreement signed confirms you are a sophisticated investor understanding the investment fully or of High Net worth.
1. APPOINTMENT The Client wishes to appoint the Company provider in respect of the Client’s Asset holding and the Company wishes to accept such appointment. The Company undertakes to fulfil its obligations in terms of this Agreement in the utmost good faith and to act in the interest of the Client at all times. All income, profit and loss resulting from the Portfolio shall be for the account of the Client.
2. POWERS AND AUTHORITIES OF THE COMPANY Subject to the provisions of this Agreement and applicable law, the Client hereby authorises the Company to administer and manage the Portfolio by buying, selling or otherwise dealing with the Investments in its full discretion. Without derogating from the generality of the foregoing, the Company shall have the authority, without client’s consent, to: evaluate and negotiate investment opportunities and prepare related agreements; and/or evaluate andnegotiate disinvestment opportunities and prepare related agreements; execute Investments; incur expenses on behalf of the Client which is payable to company; utilise the services of its own staff or that of another authorised financial services and asset management provider to assist it to perform its obligations under this Agreement and further needs of company; utilise hedging strategies and offshore management procedures; appoint one or more Authorised Representative to represent it in the capital performance of its obligations under this Agreement and delegate all or any of its powers and authorities in terms of this Agreement to such Authorised Representative; appoint and engage professional advisers on behalf of and at the cost of the Client, appoint a broker to execute any transactions in respect of the Investments; instruct any member of an Exchange to deal on any such Exchange on the Client’s behalf in any listed Contract Security or Derivative Instrument; enter into aasset management agreement as representative of the Client with any trading member of Exchange for the purpose of executing transactions in respect of Derivative Instruments; realise Investments and make payments in order to maintain adequate margin balances on behalf of the Company in terms of the rules of Exchange; and do whatever shall be necessary or desirable for the due performance of then Company and representatives.3. INVESTMENT MANDATE AND RESTRICTIONS The Company shall manage the assets in accordance with the investment objectives and restrictions set out in this agreement. The investment objectives and restrictions include the following: The Company is authorised to make foreign Investments; and Investments into companies via Company’s escrow services are restricted to certain categories of investor or via an intermediary. Funds are fixed during transition period and for length of investment term. Applications for shares may be made only based on the firm prospectus and will be accepted only from eligible investors. Investors must be able to bear the risks involved in the investment and must meet the reserve’s suitability requirements. Investments will be realised: Where the Company in its sole discretion (subject to compliance with this Agreement) believes that the Company would be better served by disinvestment at that particular time; or On the Client’s written instructions or as soon as reasonably possible after receipt of written notification and exact client like for like buyout of investment not otherwise; The Client shall advise the Company in writing of all statutory and other limitations which may be applicable to the Client and of any proposed amendments to the client contact information. The Company is entitled to undertake take a position that may or may not benefit the Client, or to sell for its own account any Investment owned by it to the Client, or to buy from the Client any Investment. The client has absolutely no authority over investment and the company shall do whatever it choose in line with agreement or not to better the needs of the company and representatives. Money invested is not guaranteed nor secured and it is up to the discretion of the administrators how funds are allocated which may or may not be in agreement with the investments and can be done so without the knowledge of client.
4. MANAGEMENT FEES AND EXPENSES In consideration for administering and managing the Portfolio, the Client shall pay the Company a Management Fee which shall be calculated and as determined by the Company from time to time based on the Investment Portfolio of the client.
5. REPORTING TO CLIENT The Company shall keep accounts in respect of the Portfolio in such a manner as to establish clearly all transactions entered into with or on behalf of the Client, and shall distinguish all transactions in such a manner as can be readily understood and shall fairly represent the state of the affairs of the Portfolio. The minimum investment period is 3 years at the discretion of the company and can be changed without notice. The Company shall on reasonable request by the Client or at such intervals as may be agreed between the Company and the Client, which may not exceed three months at a time, provide the Client with a report in respect of the Portfolio. The Company shall provide such report to the Client in printed format, provided that the Client may elect to receive same in electronic format. The report shall contain sufficient information to enable the Client to: (i) produce a set of financial statements; (ii) determine the composition of the assets comprising the Portfolio and the changes therein over the period reported on; and (iii) determine the market value of the assets comprising the Investments and the changes therein over the period reported on. The Company shall on request by the Client furnish detailed information to the Client in respect of the following matters: (i) the original cost of the Investment held, as well as the current market value thereof; (ii) Investments purchased or sold during the period reported on; (iii) cash receipt and payments during the period reported on; (iv) income earned and expenses incurred during the period on; (v) details of non-cash transactions during the period, including, without limiting the generality of the foregoing, details of capitalisation issues, script dividends and option expiries; (vi) Investments received or delivered to the Client or custodian; (vii) profits and losses realised during the period; and (viii) any other information which the Company is required by applicable law to furnish to the Client or may be reasonably requested by the Client.
6. RISK AND LIABILITY The Client acknowledges: (i) that it understands and is aware of the various risks that are involved in holding the Investments and in dealing therein, and more particularly the risks that may arise from the use of futures, hedging strategies, offshore management procedures and other Derivative Instruments; (ii) that the Company does not guarantee and will not be liable for any future performance of the Investments including real estate, or that any Investment shall retain its value or behave in any particular manner; (iii) that the Company has advised the Client of the risks pertaining to investing in Derivative Instruments; (iv) that there is an investment risk associated with all asset classes, including foreign Investments, that are exposed to currency risk; and (v) that the Company does not guarantee and liable for the repayment of the Client’s original Investments and/or the performance of Investments, or make any representation concerning either of these matters, and the Client records that it accepts such risks, which may result in financial loss, and agrees that it shall not hold the Company liable for resulting financial losses. Client understands that capital is at risk with all investments. Any gains or bonuses from CTW are only realisable upon full term and exit upon full term of investment at discretion of management. The Company shall not be liable for, and the Client hereby indemnifies the Company in respect of, any claims for loss or damage which the Client may suffer, howsoever such loss or damage may arise or be suffered, in respect of the Investments managed by the Company on behalf of the Client. The Company shall however be liable for, and shall indemnify the Client in respect of, any such loss or damage which arises as a result of the fraud, dishonesty or gross negligence of the Company or any director, employee, officer, or agent of the Company.
7. OFFER OR SOLICITATION This Agreement is not an offer or solicitation for investment management services, investment advisory agency, securities or any other product or service in any jurisdiction where Company is not authorised to do business or where such an offer or solicitation is contrary to securities laws or other local laws and/or regulations pertaining to that jurisdiction or where it is otherwise unlawful to make such an offer or solicitation.8. HOLDING PERIOD Investments will be held for a maximum of 5 days before being sent to the investment house upon confirmation of receipt. 9. COMPANY AGENTS & HOLDINGS Company is an intermediary brokerage firm and only uses fully authorised Exchange agents for UK & Europe Asia and the Americas. Company is administrated by two (2) external trust holding companies.
10. TERMINATION OF AGREEMENT This agreement may be terminated at any time by Company, without written notice. There shall not be any penalty in terminating the agreement but settlement will be made for any transactions entered into before termination and a due proportion of any periodic payments for services. After termination of the agreement we will not execute any further transactions. All investment must see the full course of the investment term which is 3 years minimum.
11. ASSUMPTION OF RISKS Client hereby expressly assume the risk of market from the investment activities and release the Company and each of their directors, officers, employees, agents, representatives, successors and assigns (collectively, “the Released Parties”) from all such liability. Additionally as stated on the website it is the full responsibility of the investor to provide accurate information and Schwabcore will not be held liable for client errors. Insurances are in place for clients as a secondary safety measure although this is not guaranteed.
12. BINDING EFFECT This Agreement shall be binding on the Parties hereto and each of their heirs, executors, administrators, successors, and, where applicable, assigns.
13. SEVERABILITY Should any provisions or portion of this Agreement be held unenforceable or invalid for any reason, that part shall be deemed severed from this Agreement and the remaining provisions and portions of this Agreement shall be unaffected by such holding and remain enforceable.
14. ASSIGNMENT Client shall not assign this Agreement, in whole or in part, without the other party’s written consent and any attempt to assign this Agreement without such consent shall be null and void. Company may amend change edit agreement at any stage and investment is not guarantee of future return
15. WAIVERS No party’s waiver of any term, provision, or condition of this Agreement, whether by conduct or otherwise, in any one or more instances, shall be deemed to be or construed as a further and continuing waiver by such party of any such term, provision or condition of this Agreement. I, undersigned, certify that I have read all of the foregoing Agreement and fully understand all of the terms of this agreement and acknowledge and represent that I enter into this Agreement of my own will and not due to any representation, commitment, promises, pressure, or duress from any other party.