Nothing in these Terms limits or excludes liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, for breach of statutory consumer rights, or for any other liability that cannot lawfully be limited or excluded.
If you are a consumer
We are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our failure to use reasonable care and skill. We are not responsible for loss or damage that is not foreseeable, or for loss arising because you used the service for a business purpose. We do not ask consumers to indemnify us.
If you are a business customer
We exclude all implied terms to the fullest extent permitted by law. We are not liable for loss of profit, loss of business, loss of goodwill, loss of anticipated savings, loss or corruption of data, or any indirect or consequential loss. Subject to the paragraph above, our total liability arising out of or in connection with the service in any 12-month period is limited to the greater of the fees you paid us in that period and USD 100.
In all cases, we are not liable for the underlying cyber incident itself, for the acts of the attacker, for decisions taken by your bank, provider, insurer or an authority, or for your decision to act or not act on guidance provided through the platform.