13. DISCLOSURE OF ACCOUNT NAME / USER ID AND PASSWORD

The Account name / User ID and password selected when You apply for membership should not be disclosed to any third party. You are solely responsible for the security of Your Account name / User ID and password.

You agree to keep Your Account name / User ID and password secret and confidential and not to allow anyone else to use it. Every person who identifies themselves by entering a correct Account name / User ID and password is assumed by Us to be the rightful Account holder and all transactions where the Account name / User ID and password have been entered correctly will be regarded as valid. In no event will We be liable for any loss You suffer as a result of any unauthorised use or misuse of Your log-in details. We shall not be required to maintain Account names / User IDs or passwords. If You have lost Your Account name / User ID, password or any log-in details, please contact Us for a replacement. If You misplace, forget, or lose Your Account name / User ID, password or other log-in details as a result of anything other than Our error, We shall not be liable to the extent permitted by law.