Preamble Our SkinsOwl Marketplace is an online stage where users are permitted to sell, buy, and exchange virtual gaming elements known as ‘skins’ for utilization in digital video games across various geographic territories. Users are solely responsible for setting their pricing formats. We don't partake in the sales contract between the third-party buyer and seller and we are not functioning as an auction house. All advice you encounter on our SkinsOwl Marketplace concerning how to purchase, trade, list, or price virtual in-game elements is strictly for your awareness and convenience. All decisions or actions taken on the SkinsOwl Marketplace are solely your responsibility. We hold no power over and do not assure the presence, quality, or legality of items listed on our SkinsOwl Marketplace by users, nor do we control or ensure the content of users, their listings, or the capability of sellers to deliver or buyers to procure items. By utilizing our SkinsOwl Marketplace and our Services, you are entering into a contract with us. This Contract and any policies posted on our SkinsOwl Marketplace establish the Terms and Conditions under which we provide you with the ability to use the SkinsOwl Marketplace and our Services. This Contract outlines: · Your legal rights and duties; · Our legal rights and duties; and · Particular key data required under relevant law. This Contract should be read with caution. For any queries or complaints regarding this Contract or any purchases made, kindly contact us at admin@skinsowl.com. Section 1 – Glossary and Interpretation 1.1. Glossary In the context of this Contract, the following terms are defined as: o “Contract” refers to this end user agreement which incorporates the Terms and Conditions; o “AML & KYC Procedures” is the procedure ensuring adherence with relevant Anti-Money Laundering and Know-Your-Client protocols; o “Business day” indicates any day excluding Saturdays, Sundays, and public holidays in Jersey; o “Intellectual Property Rights” covers rights such as copyright, invention rights, patents, trade secrets, trademarks and trade names, service marks, design rights, database rights, rights in data, rights in semiconductor chip topography, utility models, domain names, and all similar rights. This is irrespective of whether they are registered or not, including any applications to protect or register such rights, including all renewals and extensions of such rights or applications, whether vested, contingent or future, and wherever they exist; o “SkinsOwl Marketplace” refers to the Company's online marketplace accessible at https://skinsowl.com; o “Service” or “Services” refers to the access provided to users to utilize the SkinsOwl Marketplace operated by the Company, where users can propose for sale and/or procure and/or trade virtual in-game elements called ‘skins’ to be used in digital video games; o “Steam Account” pertains to your account provided by the Valve Corporation; o “Terms and Conditions” include the terms and conditions of this SkinsOwl Marketplace as revised, replaced and/or altered from time to time, which are an integral part of the Contract; o “User” or “you” refers to any person or entity utilizing the SkinsOwl Marketplace and/or concluding legal transactions with other users o "User Account" refers to the individual account that you establish and sign into to utilize and gain access to the SkinsOwl Marketplace and/or its services; and o "Valve" refers to Valve Corporation. 1.2. Understanding Terms 1.2.1. Whenever we mention this Agreement, it encompasses any policies mentioned here (if any); 1.2.2. Words used in singular form also imply their plural counterparts and vice versa; 1.2.3. When we refer to sections, sub-sections, and paragraphs, we're referring to those within this Agreement; 1.2.4. Words that come after 'include', 'includes', 'including', 'particularly', or any similar terms and phrases should be seen as illustrative and don't restrict the meaning of any preceding word, phrase, term, definition, or description; 1.2.5. A duty not to perform an action also includes a responsibility to prevent that action from occurring; 1.2.6. The term 'agreement' denotes any kind of commitment or agreement, whether conditional or unconditional, and can be by deed, orally, or in writing; 1.2.7. Any reference to a piece of legislation means the current state of that legislation at the date of this Agreement or as amended, extended, re-enacted, or consolidated over time, unless such change increases or modifies a party's liability under this Agreement. Section 2 – Agreement Acceptance 2.1. These Terms and Conditions outline your obligations and rights, forming a legally enforceable contract between you (as an individual or on behalf of an entity) and the Company, so it's crucial to read them thoroughly. 2.2. By engaging with the SkinsOwl Marketplace, you affirm that you've comprehended and agreed to these Terms and Conditions in their entirety. If you're not in agreement with any of these Terms and Conditions, you must not use the SkinsOwl Marketplace and/or any Service and stop usage immediately. If you infringe any of these terms, we reserve the absolute right to temporarily or permanently suspend your account. 2.3. To consent to this agreement and use the SkinsOwl Marketplace and/or any Service, you must be of legal age (at least 18 years old) and have the legal capacity to enter into a contract and not be prohibited from doing so by applicable laws. Adolescents over the age of 16 may only use the Service through an account established and supervised by a parent or legal guardian. The parent or legal guardian is solely responsible for overseeing the minor's usage of their user account. All necessary personal details for account registration and transaction completion will be under the parent or legal guardian’s name, and you, as a parent or legal guardian, vouch for being solely responsible for the use of this user account by the minor. We will take all reasonable measures to verify the age of users and may ask for additional information from a user in case of age-related doubts. We reserve the right to demand appropriate proof to activate a user account. 2.4. You affirm that you have the requisite knowledge and experience to use and/or sell virtual items and/or pay for such items with cryptocurrency. More specifically, you should ensure that you comprehend how they function and acknowledge the associated risks. 2.5. By agreeing to these Terms and Conditions, you give us your consent to communicate with you electronically, such as through email. This communication can include notices about your account (like alerts on the content you post, changes to your account details, resetting passwords etc). We may also send you promotional emails to update you about possible offers or news we believe you might find engaging. You can opt out of these promotional emails at any time by following the unsubscribe instructions provided in the emails. Section 3 – The Digital Marketplace 3.1. The Marketplace is an online platform where users can buy, sell, or trade virtual in-game items known as skins for use in electronic video games. Users of the Marketplace can post sale offers or acquisition requests for the virtual in-game items, with transactions managed through the Marketplace. We function as a mediator and offer the Marketplace to users to finalize their transactions. We don't become part of the agreement between the users when they conduct a sale transaction on the Marketplace. The contractual responsibilities in a sale transaction are solely between the users. Subject to certain conditions detailed below, users can also withdraw their earnings from the sale of their items and exchange items. 3.2. We don't handle or retain any user funds. We collaborate with third-party service providers that offer you regulated payment services and handle tasks related to payment transactions, such as card processing, credit top-ups, disbursements, currency exchange, identity verification, fraud analysis, and regulatory compliance. We might have to share your personal or transactional information with these third-party providers to comply with regulations and enable them to process payments. 3.3. If needed, we reserve the right, at our sole discretion and without prior notification, to utilize other third-party payment processors or service providers to deliver the Services. Section 4 – Account Creation and Registration 4.1. You will need to create and register a user account to use the Marketplace and/or any Service. Account setup is free of charge. 4.2. To use the Service, you first need to log into your Steam account provided by Valve via the Marketplace and establish a user account. By creating a user account, you agree to these Terms and Conditions. 4.3. We are in no way affiliated with Valve, so you must also abide by their respective terms, conditions, and policies. You acknowledge that the terms and conditions of any corresponding Steam/Valve subscriber agreement and/or policies apply to you in all respects. Any warranties, rights, responsibilities, or other contractual relations you have with your Steam account and Valve remain solely your responsibility, and they are in addition to these Terms and Conditions. 4.4. You affirm and promise that all the data/information you provide for your account registration is truthful, precise, up-to-date, complete, and pertains to you, not a third party. You confirm that you will keep such information accurate and quickly update such information as required. This information is subject to our Privacy Policy. 4.5. If you provide data/information that is false, inaccurate, not current, or incomplete, we may suspend your account temporarily or permanently until you provide accurate information. Any changes to your data/information must be immediately updated in your user account. 4.6. You acknowledge that you are solely accountable for all activities that occur on your user account or Steam account. The user account is non-transferable. It's not permitted to create a user account on behalf of someone else or to set up multiple accounts for one user. 4.7. It is your responsibility to ensure the confidentiality and security of your password and other account details. Should you suspect unauthorized access to your accounts, you must take immediate actions to ensure that your accounts are accessible only to you and inform us about any unauthorized activities. You alone are responsible for limiting access to your accounts. Under no circumstances should you allow any third party to access or use the Service since your account is non-transferable and is meant for your use only. 4.8. If we suspect a security breach or misuse of the Marketplace through your account or via your password, we may alert you and ask you to change your password, or we might suspend or terminate your account. 4.9. You may deactivate your account at any time by emailing us at admin@skinsowl.com or using our live chat feature. We hold the right to delete any user accounts that are either incomplete or have been inactive for twelve consecutive months. We will do so at our discretion and without liability or further obligations to you or any other party, unless the account is completed or use is resumed. 4.10. You acknowledge that you have the experience and/or knowledge to deal with virtual items, understanding their nature and structure. You're also aware of the benefits, risks, and any limitations associated with virtual items, including their purchase and use. You possess the necessary skills to trade, sell, and/or purchase them and accept sole responsibility for any decisions regarding such items within the Marketplace. 4.11. If you breach any of these Terms and Conditions and/or infringe on any third-party rights, we reserve the right to suspend your account temporarily or permanently. We can do this at our discretion and without prior notice or any liability or further obligations to you or any other party, taking any reasonable actions based on the violation. Section 5 – Concluding Transactions Between Users 5.1. To sell or buy items via the Marketplace, a seller can post a sale offer on the Marketplace. Once a buyer accepts the offer, a legally binding agreement is formed between the seller and buyer. 5.2. The Marketplace also allows for trading of virtual items, involving an exchange of one user’s item for another user's item listed on the Marketplace. In this case, a legally binding agreement is also formed between the two trading users. 5.3. We are not a party to the contract between the buyer and seller. We merely provide the platform and the means for executing the transaction between users. We act as the merchant of record and assist in completing the transaction. 5.4. We process transactions upon clearance of payment. Unless specified otherwise, virtual items purchased via the Marketplace are delivered instantly. However, delays can occur due to various factors such as payment method, technical issues, etc. To download and use the acquired items, make sure your Steam account is fully operational and your chosen device has updated operating systems and sufficient space. 5.5. Delays due to payment processing issues beyond our control do not qualify as non-delivery and do not entitle you to a refund. Section 6 – Payment Terms 6.1. Registering a user account on the Marketplace incurs no fees. 6.2. If you fail to provide valid, accurate information or additional information required for payment processing according to AML & KYC Procedures, we may temporarily or permanently suspend your account until we receive such information. If a user's account is suspended, they are still obligated to pay any fees incurred during the process. 6.3. Funds held briefly by us until they are transferred to sellers after a sale are maintained separately from our own funds, as mandated by applicable law. 6.4. Our brokerage fees encompass the relevant VAT. 6.5. You bear the responsibility for any extra fees, bank charges, taxes, and any other expenses imposed by our payment processor(s), your payment processor, or any local authorities. Section 7 – Charges 7.1. For transactions concluded between users as per section 5, we levy our service fee (termed the 'seller fee') depending on the value of the virtual item involved. This fee is calculated based on the seller's listed price valid at the time the virtual item was listed for sale. These fees are incorporated in the item's purchase price and transferred to us immediately upon transaction completion. All fees for our services are subject to evaluation, and we reserve the right to alter them at any time, without prior notice, at our absolute discretion. All fees are always rounded to the nearest cent and are due for payment instantly. 7.2. For each sale or purchase of virtual items, users may incur: · sales fees; · withdrawal fees; 7.3. Additional details and a breakdown of our fees can be found here. Section 8 – Deposits and Withdrawals 8.1. You may add funds to your account using your preferred payment method. 8.2. You may only withdraw funds from your account that were obtained through the sale of virtual items, via your preferred payment method. Deposited funds cannot be withdrawn. Section 9 – Refunds 9.1. Owing to their digital nature, virtual items bought through the Marketplace are generally not refundable. All sales are final and cannot be reversed. 9.2. In case you unintentionally purchased the wrong item or changed your mind and no longer want it, your only option is to list the item for sale. 9.3. Before completing any transactions, we recommend reviewing your payment method’s refund policy. 9.4. Refunds from us can only be requested for the full amount of unused deposited funds within 14 business days of the deposit. You can request a refund by contacting us via email at admin@skinsowl.com or through the live chat feature. 9.5. Approved refunds are typically processed within 14 business days from the day the refund is sanctioned, using the same payment method with which you deposited your funds. Please note that refunds in cryptocurrency are not possible. Section 10 – AML & KYC Procedures 10.3. We and/or our payment processor(s) may, at our absolute discretion, request additional information (e.g., a copy of your ID and/or passport, a photo of you with your ID and/or passport, a bank statement or utility bill) to verify your identity and/or source of funds and to investigate if a user's activity warrants additional information and/or appears suspicious, unusual, or illegal. 10.4. Such activities may include, but are not limited to, refusal to provide requested additional information, owning multiple accounts, using someone else’s payment details, giving us fake or someone else’s identity documents, being listed as a sanctioned individual or entity, or engaging in any illegal activity or any other activity that violates these Terms and Conditions. 10.5. If we detect any suspicious activity, we may, at our absolute discretion, suspend your account or subscription temporarily or permanently, or remove your item(s) from sale without prior notice. You can appeal our decision to suspend your account by notifying us within 30 business days of such suspension at admin@skinsowl.com. After further investigation, we may reactivate your account. 10.6. We and/or our payment processor(s) are fully cooperative with any public body investigating potential or actual violations of applicable AML & KYC Procedures. We are not accountable for any damage inflicted on any party in the process of adhering to our legal obligations. 10.7. We bear no liability to any user for any damage or loss (be it direct, indirect, punitive, actual, consequential, incidental, special, exemplary, or otherwise), including but not limited to loss of revenue, profits, Marketplace balance, and/or skins, stemming from actions we take against any user due to alleged breaches of these Terms and Conditions or other relevant terms, policies, and regulations by the user. 10.8. Specific measures are confidential and intended solely for internal use to deter fraudulent and dishonest actions. Section 11 – Content Usage Our Content 11.1. You recognize and agree that the Company holds all moral and legal rights, titles, and interests in and to all aspects of the Marketplace, its technology, and all Intellectual Property Rights therein. This includes but is not limited to software and program codes, trademarks (registered or unregistered), systems, methods, intellectual property object protected as "know-how", profiles, databases, functionality, content compilation, designs, data, ideas, concepts, animations, sounds, audio effects, text, artworks, photographs, graphics, logos, any Company product, Service or Service names, slogans, the appearance of the Marketplace, including, without limitation, all page headers, custom graphics, button icons, and scripts that may appear on the Marketplace and all other elements of the Marketplace (collectively referred to as the "Company’s Content"). This excludes any content directly associated with Steam virtual items. 11.2. Unless explicitly stated in the Terms and Conditions or on the Marketplace, the Company’s Content, as defined above, are Intellectual Property Rights of the Company. These may not be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, imitated, or otherwise exploited for any commercial purpose, in whole or in part, without our prior written consent. You are not permitted to use any metatags or other "hidden text" utilizing "SkinsOwl.com" or any other name, trademark, product, or Service name of us or our Services without our explicit prior written consent. 11.3. We retain all rights regarding any registered and unregistered Intellectual Property Rights appearing on or associated with the Marketplace, or otherwise contained in the Company’s Content. 11.4. The Marketplace may also include content that is the Intellectual Property Rights of our licensors or third parties. 11.5. Provided that you are eligible to use the Marketplace, you are granted a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Marketplace and our content. You can download or print a copy of any portion of the content to which you have legitimately gained access solely for your personal, non-commercial use. 11.6. You shall not (a) attempt to gain unauthorized access to the Marketplace or any networks, servers, or computer systems connected to the Marketplace; and/or (b) make any modifications, adaptations, additions, or enhancements to the Marketplace or our content for any purpose, including error correction. This includes modifying the paper or digital copies you may have downloaded. 11.7. The content on the Marketplace is provided for general information only. It is not intended as advice upon which you should depend. You must seek professional or specialist advice before making, or refraining from making, any decisions based on the content on the Marketplace. 11.8. Despite our diligent efforts to maintain updated information on the Marketplace, we do not provide any assurances, either expressed or implied, that the content on our Marketplace is accurate, comprehensive, or current. Your Content 11.9. You confer on us a transferable, simple, and unrestricted right in terms of space and time, to use the content you upload on the Marketplace as necessary for the Marketplace's operation. 11.10. You grant us the right to display the appropriate content on the Marketplace and make the necessary copies of the content (such as storage on servers, etc.). Moreover, you give us the right to modify the content for optimal presentation on the Marketplace. This modification might involve the condensing or editorial adjustment of texts, the creation of excerpts from uploaded images, or the reduction of images to thumbnails. Furthermore, we reserve the right to duplicate, publicly share, and publicly reproduce the content in the highest quality across diverse end devices and networks (both public and private). This includes, in particular, the right to distribute content to other users' fixed or mobile end devices (like cell phones, etc.). The right to publicly reproduce also specifically includes the right to reproduce content on the Marketplace through streaming. 11.11. By posting your content on the Marketplace, you permit other users to utilize your content to a certain degree. Hence, posted texts may be read and any images viewed by other users. This process inevitably involves storing the content in the RAM of other users' terminal devices. Section 12 – Your Content and Prohibited Activity 12.1. Any content you create on the Marketplace is considered your content, and we do not stake any claim on it. You declare and warrant that such content is yours, accurate, and does not violate any of these provisions. The responsibility for such content lies solely with you. 12.2. By uploading any content on the Marketplace, you offer the Company a temporary license to use your content to the required extent (e.g., modifying it for better presentation, storing it on our servers). 12.3. We reserve the right, at our complete discretion, to monitor, edit, or remove any content that does not comply with these provisions, without prior notice. 12.4. You commit to not producing any content that is illegal, abusive, defamatory, offensive, misleading, inappropriate, false, or insulting towards any users or us. 12.5. You are prohibited from allowing third-party access to your payment service provider(s) credentials or user account. 12.6. You agree not to engage in any of the following activities, either through the content you post or otherwise: 12.6.1. Systematically retrieving data or other content from the Marketplace to compile a database or directory or automate web requests without our written consent; 12.6.2. Unauthorized use of the Marketplace, including collecting usernames and/or email addresses of users to send unsolicited email or creating user accounts under false pretenses; 12.6.3. Bypass, disable, or otherwise interfere with security-related features of the Marketplace, including features that prevent or restrict the use or copying of any content or enforce limitations on use; 12.6.4. Unauthorized framing of or linking to the Marketplace; 12.6.5. Deceiving, defrauding, or misleading us and other users, particularly in an attempt to learn sensitive account information such as user passwords; 12.6.6. Misapply our support services or submit incorrect reports of misuse or inappropriate behavior; 12.6.7. Disturb, interfere with, or place an unwarranted burden on the Marketplace or the networks and services connected to it; 12.6.8. Attempt to mimic another user or individual, or use another user's username; 12.6.9. Sell or transfer your profile by any means; 12.6.10. Utilize any information acquired from the Marketplace to harass, abuse, or harm another individual; 12.6.11. Use the Marketplace or our content in any endeavor to rival us; 12.6.12. Decode, decompile, disassemble, or reverse engineer any of the software that makes up any part of the Marketplace; 12.6.13. Attempt to gain access to any areas of the Marketplace from which you are restricted; 12.6.14. Harass, disturb, intimidate, or threaten any of our staff, agents, or other users; 12.6.15. Duplicate or modify the Marketplace’s software, including but not limited to PHP, HTML, JavaScript, CSS or other code; 12.6.16. Discredit, damage, or cause harm to us and/or the Marketplace, in our view; 12.6.17. Use the Marketplace in a way that contradicts any applicable laws or regulations; 12.6.18. Intimidate users with negative feedback or offer services purely to provide positive feedback to users; 12.6.19. Falsify experience, skills, or information about a user; 12.6.20. Advertise products or services that we have not authorized; 12.6.21. Untruthfully suggest a relationship with us or another company with which you do not have a relationship; and 12.6.22. Use any of the financial functions (such as deposits, withdrawals and the like) for purposes beyond making purchases and sales on the Marketplace, including, but not limited to, depositing money solely to withdraw it later or transferring money between accounts. Section 13 – Liability Limitations 13.1. The Marketplace and Services are offered "as is" and "as available". Except as explicitly outlined in these Terms and Conditions, you agree that your use of the Marketplace and/or Services is at your own risk. All warranties, terms, conditions, and promises, whether implied or express by law in relation to the Marketplace and Services, including but not limited to the implied warranties of satisfactory quality, suitability for a specific purpose, and non-infringement are excluded to the maximum extent permitted by law. 13.2. To the maximum extent allowed by law, the Company, its employees, contractors, and partners, are not liable for any type of damage or loss, including loss of profits, business, or revenues, or any incidental, consequential, direct, indirect, punitive or special damages arising from or in relation to your use of our Services, unless otherwise stated in writing. 13.3. To the maximum extent permissible by law, the Company dismisses all warranties or claims about the accuracy or completeness of the Marketplace’s content. Despite our reasonable efforts to ensure the security of the Marketplace and its continuous availability, we are not liable for any (1) errors, inaccuracies or omissions in content; (2) unauthorized access or use of our servers and/or any personal or financial information stored on our server; (3) interruptions or stoppage of transmission to or from the site or the Marketplace or Services; (4) any damage to property or personal injury of any kind, except death; and (5) any bugs, viruses, malicious code, trojan horses, or similar threats transmitted to or through the site or Marketplace by a third party. To the greatest extent allowed by law, the Company will not be accountable for any delay or failure to fulfil our obligations under these Terms and Conditions if such delay or failure is caused by circumstances beyond our reasonable control. 13.4. You understand that the Marketplace may include links to third-party platforms, which we do not control, and thus we are not accountable for their content. Unless otherwise stated, you access such links at your own risk. These third-party platforms may necessitate the acceptance of their own Terms and Conditions. The Company is not part of those agreements and is not liable for any loss you experience when accessing such platforms. 13.5. Items available through the Service are subject to Steam’s terms and policies and users must abide by them. The Company is not responsible for any loss of funds or items resulting from actions taken by Steam. 13.7. When using the Marketplace, you might encounter content from other users that you deem offensive or unsuitable. We do not endorse or take responsibility for any content posted by users via our Services. The Company is not accountable for the accuracy, legality, or decency of user-posted content that you access through our Services. You absolve us of all liability related to that content. 13.8. Unless otherwise stated in writing, we bear no liability for any losses or damages you incur due to the temporary or permanent suspension of your account resulting from a violation of these Terms and Conditions. 13.9. We disclaim any liability for losses or damages suffered by you through the use of our API (web requests to web path /API/*). 13.10. You accept that it is your duty to comply with any legal obligations imposed by your country of residence when using the Marketplace. We are not liable if you infringe any such provisions. 13.11. Under no circumstance shall the Company’s total liability for any loss or damage exceed the greater of the amount paid by the user to the Company or €1000 (EUR). 13.12. If applicable law or the law of your country of residence does not permit the exclusion and/or limitation of any of the above terms, such exclusions and/or limitations shall apply to the extent permitted by applicable law. Section 14 – Indemnification Clause 14.1. To the degree allowed by applicable law, you agree to shield the Company from any liability, costs (including legal fees, taxes), claims, losses, and any other expenses incurred by a third party due to your violation of the obligations arising from this Agreement. 14.2. You are solely responsible for the content you generate on the Marketplace and for executing the payment to complete your transaction, and we disclaim any responsibility in the event that a third party brings a claim against the Marketplace because of such use. 14.3. You agree to defend, indemnify and hold the Company harmless from and against any VAT, turnover and other taxes or levies including penalties, interests, surcharges ("Taxes") due on any product or service you sell on the Marketplace and any costs or damages related to such Taxes. You will be liable towards the Company and/or its payment processor(s) for any such Taxes and costs or damages related to such Taxes. Section 15 – Agreement Duration, Termination Rights, and Deactivation 15.1. This Agreement is indefinite and will remain effective as long as you use the Marketplace and/or any Service. 15.2. Users can terminate this Agreement by giving the Company 14 days' notice in accordance with section 15.4 below and request the deactivation of their user account, without providing any reason. 15.3. If you terminate this Agreement as per the above clause, we will refund all payments received from you, minus any outstanding payments / fees for services provided by us, within 14 Business days from the day we receive your termination notice. Such reimbursement will be done using the same payment method you used for the initial transaction, unless otherwise agreed with you. 15.4. To exercise your right of termination, you must inform us either by email at admin@skinsowl.com or by using the "Contact us" feature available at skinsowl.com and must use the following template termination form: Hereby, I give notice of my intention to deactivate my user account as I no longer want to use the Marketplace or avail any Services. Thus, I wish to terminate this Agreement. Ordered on: User's Full Name: User's Address: Date: 15.5. We reserve the right to terminate this Agreement and deactivate a user account without providing a reason, by issuing a prior written notice to the user. In this case, we will refund all payments received from you, after deducting any outstanding payments / fees for services provided by us, within 14 Business days from the day we receive your termination notice. This reimbursement will use the same payment method you used for the initial transaction, unless otherwise agreed with you. 15.6. We can terminate this Agreement and deactivate or suspend a user account if there's a significant breach of this Agreement or any applicable law. Section 16 – Miscellaneous Severability 16.1. If any clause of these Terms and Conditions is deemed invalid, void, or unenforceable, such provision will be limited and deemed severable to the minimum extent necessary, while the rest of the Terms and Conditions will continue in full force and effect. Amendments and Variation 17.2. We retain the right to modify the Marketplace and the Terms and Conditions at any time, without prior notice, for any reason. The updated version of these Terms and Conditions will be marked by an updated “Revised” date and the updated version will become effective as soon as it's accessible. You are responsible to review and familiarize yourself with these updates. If there are significant changes to the Terms and Conditions, we will inform you. Continued use of the Marketplace implies your acceptance of such changes. 17.3. You accept that we may, at our sole discretion, alter, suspend temporarily or permanently, or cease any of our Services, from time to time, in response to changes in our products, user needs, or business priorities. Applicable Law and Dispute Resolution 17.4. Unless otherwise required by the law of the user’s country of residence, these Terms and Conditions and the contractual relationship between users and us will be governed by, and enforced in accordance with, the laws of Cyprus. 17.5. If a user resides in the European Union and the laws of their country of residence provide them with superior consumer protection, those higher standards shall apply. 17.6. In case of a dispute between you and another user or us, we encourage the involved parties to first attempt to resolve the dispute amicably by negotiating for a minimum of 60 Business days before filing a claim in the courts of Cyprus. 17.7. Users may also use The European Online Dispute Resolution (ODR) platform, provided by the European Commission, as an alternative dispute resolution that does not involve court proceedings to settle potential disputes. 17.8. You agree that any claims against the Company can only be brought in your personal capacity and not as a plaintiff in a class action lawsuit. Data Protection 17.9. We collect your data to improve the accessibility of the Marketplace. Our Privacy Policy outlines how we collect, use, and share your data when you use the Marketplace. Force Majeure 17.10. We won't be held accountable for any loss arising from our inability to meet our obligations under these Terms and Conditions if such a failure is due to circumstances that are reasonably beyond our control. These circumstances include, but are not limited to fire, flood, explosion, earthquake, other natural phenomena, war, civil disturbances, accidents, strikes, riots, power outages, malfunctions of equipment or software, actions by government including travel bans and restrictions, epidemics, pandemics, diseases or public health emergencies such as the COVID-19 outbreak, or any event akin to those mentioned above. Assignment 17.11. We, at our sole discretion, can assign or transfer any of our rights and/or obligations to third parties at any given time. You are prohibited from assigning or transferring your rights and/or obligations without first obtaining our written consent. Customer Service 17.12. For inquiries related to customer service or to address any disputes, you can contact us via email at admin@skinsowl.com or through the "Contact us" feature available at skinsowl.com. Wherever feasible, we will cooperate with you and/or any user selling items on the Marketplace to settle any potential issues.