Terms of Service

These Terms of Service (hereinafter referred to as “Terms” or “Agreement”) constitute an agreement between the user, i.e., you (hereinafter referred to as “you” or “Customer” or “User”) and Opera Financial Service Limited (hereinafter referred to as “we” or “Company” or “Opera”) and, where applicable, apply to the services provided by Opera to you (hereinafter collectively referred to as “the Services”), including access to and use of this website (hereinafter referred to as “the Site”).

You are responsible for ensuring your understanding and agreement to these Terms before using the Services, and your use of the Services shall not violate the laws of the jurisdiction in which the Services are offered. These Terms do not serve as an inducement or solicitation for the use of the Services. If you do not agree to these Terms, you may not use the Services. We reserve the right to suspend or terminate the Services as deemed appropriate if you breach any of these Terms, and we reserve the right to amend these Terms as necessary. You must periodically check the Site to receive notification if we change these Terms.

1. Payment Services and Eligibility

1.1

Opera is a payment service provider. By using the services provided by Opera and maintaining an account (“Account”) with us, you can make payments to or receive payments from other customers holding accounts with Opera. To avoid any misunderstanding, please note that Opera does not engage in remittance or money transfer services, and the Services are not intended for transferring funds to third parties.

1.2

The minimum age requirement to open and maintain an Account with us is 20 years, and you must confirm your country of residence when opening an Account.

1.3

Users must provide Opera with all accurate and up-to-date information for the purpose of opening and maintaining an Account. Customer Due Diligence (“CDD”) is conducted on each prospective customer before services are provided. In this context, you agree that we may make inquiries as deemed necessary to identify you, either directly or through third parties. Therefore, we may request additional information or documents, including but not limited to a social security or taxpayer number, conduct credit checks, and verify information via third-party databases or other sources. If Opera determines that you do not meet the required CDD standards, Opera may, at its discretion, accept or reject your service application, and this decision shall be final.

1.4

In the case of a joint account, unless otherwise specified on the account application form, Opera may accept instructions from any of the joint account holders, and each joint account holder agrees to jointly and severally bear all obligations related to this Agreement with the other joint account holders. We are not obligated to investigate the purpose or reasonableness of the instructions given, or verify the application of funds placed in the Account by any User or joint account holder. We are free to release or exempt any joint account holder from responsibilities under this Agreement, accept proposals from any joint account holder, or make other arrangements with any joint account holder. However, this does not release or exempt other joint account holders from obligations, nor does it affect our rights and remedies against them, or change or release the rights and remedies we have against the deceased account holders.

Opera shall not be liable under any circumstances for any claims, losses, damages, liabilities, costs, expenses, etc., incurred directly or indirectly by individuals or entities (including surviving joint account holders, among others) resulting from our actions or inactions in accepting instructions from any of the joint account holders. Furthermore, each joint account holder agrees to indemnify Opera from all claims, losses, damages, liabilities, costs, expenses, arising from our actions or inactions under this provision.

2. Execution of Payments

2.1

Opera may, at its discretion, set limits on the payment amounts available through the Services.

2.2

When a User makes a payment using the Services, the recipient is not obligated to accept that payment; therefore, unclaimed, refunded, or rejected payments will be returned to the User’s balance by the original payment method (unless specifically directed otherwise by the User).

2.3

Users acknowledge the possibility of delays in payment receipt as recipients due to merchants’ processing times, and agree that we are not responsible for the consequences of such delays. In such cases, the validity of the authority granted to the merchant is up to a maximum of 30 days. If currency conversion is required in relation to a payment, the exchange rate will be determined at the time the merchant processes and completes the transaction.

Time is essential with respect to all User obligations under these Terms and the performance of all transactions intended under these Terms.

2.4

“Pre-approved Payment” means a payment that the User has instructed, confirmed, or authorized for the merchant to make either on a recurring or one-time basis. In this case, the merchant is deemed to have agreed to these Terms on behalf of each individual User. When a pre-approved payment is made from the User’s account, an email confirming the transaction will be sent to the User.

2.5

A pre-approved payment can be canceled by notifying Opera at least five business days before the next scheduled payment. If you notify us to stop a pre-approved payment, any payment made under a contract between you and the merchant after such a stop will also be halted.

Despite the arrangement to stop pre-approved payments, Users may still be liable for ongoing payment obligations or other penalties under the terms of the contract with the merchant, and in such cases, the User must pay the merchant by other means.

3. Account Closure

3.1

You may close your account at any time by providing written instructions as directed by Opera. Upon closure of the account, unless prohibited by law, Opera will cancel all pending transactions.

4. Payment Receipts

4.1

Merchant users can utilize the payment receipt function.

4.2

If a payment made or received is determined to be invalid for any reason, the User agrees and acknowledges that they are responsible for indemnifying Opera for the full amount paid or received, associated service fees, losses, costs, and expenses Opera may incur, and Opera reserves the right to deduct from the User’s account balance the amount owed to Opera. If insufficient funds are available, the User agrees to reimburse Opera from other relevant sources.

4.3

The User agrees not to charge additional fees or other charges related to accepting Opera as a payment method under any circumstances.

The User may charge fees related to the sale of goods or services. However, such fees shall not be considered Opera fees and shall not exceed Opera’s standard transaction fees.

4.4

When selling products or providing services using Opera, the User shall not request payment from the purchaser via any third party other than Opera.

5. Account Balance

5.1

The User’s account balance is held in an account managed separately from Opera’s operating account. We do not use the funds/balances in User accounts for operational expenses or other business purposes. The User does not receive any interest or other gains from the account balance. The User agrees to assign and transfer all rights related to the interest arising from such balances to Opera, and Opera has the right to receive all interest related to such amounts.

5.2

If there are any overdue or unpaid amounts related to the products or services provided by Opera that the User owes to Opera or its affiliates, Opera or its affiliates may withdraw or debit funds from the Account to cover the payment of amounts overdue for more than 60 days from the due date.

5.3

If the User’s account balance is negative, we may offset this balance with funds subsequently deposited or received in the User’s account.

If the User holds multiple accounts, Opera may, at its absolute discretion, offset the negative balance of one account with the positive balance of another. In such cases, other liabilities of the account may also be handled together under this provision.

6. Withdrawal of Funds

6.1

Withdrawal methods vary depending on the country or region in which the User's account is registered. The User can withdraw funds in accordance with the methods available in that country or region.

6.2

The User acknowledges and agrees that if Opera determines the User has not provided sufficient or necessary information as required by Opera, Opera may impose restrictions on the User’s withdrawal of funds. If a withdrawal limit is set, it will be displayed on the screen after the User logs into their account. Additionally, in cases where the amount of the withdrawal exceeds the level observed in the past, Opera may delay the withdrawal while conducting risk verification and authentication processes. Opera shall not be liable for such delays under any circumstances.

7. Unauthorized Transactions

7.1

An unauthorized transaction occurs when a payment is made from the User’s account that was not authorized by the User or does not benefit the User. For example, if a third party steals the User's password and accesses the User's account to process payments using the User’s customer information.

If the User permits third-party access to their account (by providing login information) and a transaction is conducted without the User’s awareness or consent, the User will be responsible for that transaction.

Opera reserves the right to act in accordance with instructions given or claimed to be given on behalf of the User, provided Opera has a good faith belief the instruction was given by the User. Notwithstanding the above, Opera reserves the discretion to refuse such instructions. If there are insufficient funds in the account, or if Opera believes actions or execution might result in a violation of applicable law for Opera or the User, or for any other reason, Opera is not obliged to act on behalf of the User, follow instructions, or execute transactions on behalf of or for the User. Should Opera, at its absolute discretion, refuse to act on behalf of the User, follow the User’s instructions, or execute transactions on behalf of or for the User, Opera may, at its discretion, notify the User accordingly, but shall not be liable for any loss, damage, liability, cost, or expense the User incurs as a result of Opera’s exercise of this discretion.

7.2 Notification Events

The User shall promptly notify us as soon as they become aware or reasonably suspect any of the following:

An unauthorized transaction or fraudulent use or access has occurred on the account.
There is an error in the account history information, or an error in the transaction confirmation sent to the User via email, or
The password or security code number for executing transactions has been compromised.

In order to verify transactions, the User will need the details of the transactions as displayed in the statement or transaction confirmation.

You shall notify Opera as soon as possible after you first notice an unauthorized transaction appears in your account history. Additionally, you should periodically log into your account to verify the transaction history to ensure no unauthorized transactions have occurred. Opera will notify you of each transaction conducted in your account through the main email address specified by the User. You must review each transaction in the notification to ensure it is authorized and free from error. If there is an unauthorized transaction in your account, you must notify Opera by email with (i) the name and email address registered on the account, (ii) the details of the suspicious unauthorized transaction, the reasons you believe the transaction is unauthorized, and all details necessary to identify the transaction.

7.3

If Opera receives notice of or confirms a suspicious or unauthorized transaction, we may conduct an investigation as promptly as practical following receipt of such notice. Without interpreting this as a legal obligation, and depending on the complexity of the case, we will endeavor to complete the preliminary investigation within 90 days of receiving notice from the User. Opera shall notify the User of the investigation results within three business days after the investigation is completed.

7.4

If the User mistakenly makes a payment to someone other than the intended recipient or makes an incorrect payment amount (e.g., due to a typo), the User should request a refund from the recipient. Opera is not liable for any responsibility related to such erroneous transactions and is under no obligation to arrange for refunds or cancellations of payments made due to the User’s error.

8 Restricted Actions

8.1

The User shall not engage in any of the following actions (which are suggestive but not exhaustive) in relation to the use of our Site, Account, or the services provided, or in communications or transactions with us, other users, or third parties:

Violation of these Terms or any other policies or conditions agreed between us and the User.
Payments to sanctioned countries (such as North Korea and Syria), payments related to embargoed goods such as weapons or nuclear weapons development, violations of applicable laws, unwritten laws, regulations, ordinances, or rules, or violations of payment restrictions or usage of funds related to foreign exchange or trade in the country or region where the User’s account is registered.
Infringing upon the copyrights, patents, trademarks, trade secrets, other intellectual property rights, rights of publicity, or privacy rights of us or third parties.
Selling counterfeit or fake products.
Threatening or harassing our employees, agents, or other users.
Providing false, inaccurate, or misleading information.
Engaging in fraudulent, suspicious, or potentially illegal activities or transactions.
Refusing to cooperate with the verification or investigation of user identification information provided to us.
Attempting to provide or providing duplicate receipts of funds for the same transaction that was disputed, from both us and fraudulent vendors, banks, or credit card companies.
Managing an account in relation to or arising from any of the 'restricted actions' mentioned in this section.
Using the Service in a manner that may give rise to complaints, disputes, claims, chargebacks, service fees, fines, penalties, or any other liabilities against us, other users, third parties, or the User themselves.
Using the account or service in a manner that Visa, MasterCard, American Express, Discover, or other electronic payment networks reasonably deem to be a violation of card system abuse or the terms of card associations or network rules.
Using a credit card for cash advances (or cooperating with a third party for cash advances).
Connecting to the Service from countries or regions not authorized by Opera.
Disclosing or distributing another user’s information to third parties or using it for marketing purposes (unless expressly approved in advance by the other user).
Engaging in any action that unfairly or excessively burdens Opera’s system.
Distributing viruses, trojans, worms, or other computer program routines that may damage, interfere with, or secretly intercept or seize Opera’s users' systems, data, or information.
Using anonymous proxies, robots, spider software, or other devices to monitor or copy Opera’s website without prior written permission from Opera.
Using any devices, software, or routines to bypass Opera’s 'robot exclusion header' or interfere with or attempt to interfere with Opera’s website or services.

9. User's Indemnification

9.1

The User shall be liable for any damage incurred by us, other users, or third parties as a result of payment cancellations, chargebacks, claims, service fees, charges, fines, penalties, and/or violations of these Terms and/or the User's use of the Services. The User agrees to indemnify Opera, other users, or third parties for such damages, and to hold Opera harmless from any loss or damage related to or arising from these actions, continuing to indemnify Opera as necessary.

9.2

If the User is liable for a payment to Opera, the User shall repay and compensate Opera by any means necessary. If such repayment is not made, we may take measures to collect the outstanding amounts.

9.3

If the User engages in any restricted actions, Opera will take such measures as deemed necessary to protect Opera, its affiliates, its users, third parties, or the User from chargebacks, claims, service fees, charges, fines, penalties, or other liabilities. These measures may include, but are not limited to:

Opera may suspend, temporarily interrupt, or limit the User’s access to their account or the Services.
Opera may suspend the User's eligibility for user protection.
Opera may refuse to provide the Services to the User now and in the future.
Opera may withhold the User’s funds to protect Opera or third parties from indemnity risks or if it deems the User to be engaging in fraudulent or suspicious activities or transactions.

9.4

Opera, at its absolute discretion, may suspend or terminate the account and cease to act on behalf of the User without showing reasons. Upon termination or suspension of the account, all amounts the User owes to Opera will immediately become due, and the User shall promptly repay those amounts to Opera. The User acknowledges and agrees that decisions regarding access restrictions or specific measures taken by Opera, including those related to risk management, account security, and essential confidentiality standards for Opera's systems, are based on various factors. The User understands and agrees that (i) Opera is not obliged to disclose the details of its risk management or security procedures to the User, and (ii) if the User violates any of the Terms, the User will be responsible for the damages suffered by Opera in addition to the actions taken by Opera.

10. Submitting Disputes to Opera

10.1

If a dispute arises between the User and Opera, Opera will aim to address the User’s concerns. If Opera cannot resolve such concerns to the User’s satisfaction, Opera will provide the User with a neutral and cost-effective method to resolve the dispute. The User can report any dispute between the User and Opera regarding the Services to Opera’s customer service online at any time.

10.2

Any dispute, controversy, or claim arising from or related to the existence, interpretation, validity, violation, termination, or business relationship formed by these Terms shall be resolved through friendly negotiation. If such negotiation fails, the dispute shall be referred to arbitration under the international arbitration rules of the Canadian Commercial Arbitration Center and shall be finally resolved. The number of arbitrators shall be one. The arbitration may only be conducted via phone, online, and/or submission of documents, and the specific methods, including the venue, shall be determined by Opera. Unless otherwise agreed by the parties, neither party nor their witnesses will be required to appear physically at the arbitration hearing. The arbitrator’s award shall be final.

11. General Provisions

11.1

Opera, its affiliates, officers, directors, agents, joint ventures, employees, and suppliers shall not be liable for any loss of profits or any special, incidental, or consequential damages (including but not limited to damages caused by data loss or transaction loss) related to or arising from Opera's website, the Services, or these Terms, whether due to negligence or otherwise. The User further agrees that Opera will not be liable for any unauthorized transactions unless it is proven that such negligence was due to fraudulent conduct. In such cases, Opera’s liability to the User or third parties will be limited to the actual amount of direct damage incurred.

11.2

The User understands that Opera is not a bank. Furthermore, the Services are payment services, not banking services. Opera acts as an agent or administrator in relation to the User’s funds, but not as a trustee, escrow service provider, or fiduciary. Opera is not involved in managing the products or services paid for through the Services and does not assume responsibility for them. Opera does not guarantee the identity of the User, nor the completion of transactions by the buyer or seller.

11.3

The Services are provided 'as is' without any warranties or conditions, either explicit or implied, to the maximum extent permissible under the applicable laws of the User’s jurisdiction. Opera, its affiliates, officers, directors, agents, joint ventures, employees, and suppliers specifically disclaim any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Opera does not manage or control any products or services paid for through the Services. Therefore, Opera does not guarantee that buyers or sellers engaging with the User will complete transactions or have the ability or authority to do so. Opera does not guarantee continuous, uninterrupted, or secure access to any part of the Services. Furthermore, the operation of the Services’ website may be interfered with by various factors beyond our control. While Opera will make reasonable efforts to process electronic deposit and withdrawal requests in a timely manner, we cannot guarantee the completion time for these requests due to various external factors such as delays in banking systems or email services.

11.4

The User agrees to indemnify and hold Opera, its officers, employees, and agents harmless from any loss, damage, interest costs, litigation, claims, lawsuits, legal proceedings, costs, expenses (including but not limited to reasonable attorney fees and costs incurred to collect liabilities from the User), and liabilities (except those arising from Opera's fraud or willful misconduct), directly or indirectly caused by any action or inaction taken by Opera under this Agreement.

The User acknowledges that any handling of their account by an individual or party other than themselves must be appropriately documented as specified by Opera (e.g., by filling out the required form). The User agrees to indemnify Opera and not hold Opera liable for any loss, damage, interest, costs, litigation, claims, liabilities, or legal proceedings arising from instructions, agreements, or understandings made with other individuals or parties related to their account or funds.

11.5 License

Unless explicitly stated otherwise, no part of this Agreement grants the User any intellectual property rights over Opera’s intellectual property. The User shall not copy, modify, imitate, or use Opera’s intellectual property without prior written consent. Additionally, all headers, custom graphics, button icons, and scripts on all pages of the website are service marks, trademarks, and/or trade dress of Opera. When using Opera’s software (such as Application Programming Interfaces, developer tools, or software downloaded to computers, devices, or other platforms), Opera grants the User a non-exclusive, non-transferable, revocable license to use the software according to Opera's instructions. This license includes permission to use the software and all updates, upgrades, new versions, and alternative software.

The User agrees to comply with all installation, setup, and usage requirements as outlined in the documentation provided by Opera in relation to the Services. If the User fails to comply with these requirements, they will be responsible for any damages caused to themselves, Opera, or third parties. Additionally, the User agrees not to attempt to modify, replicate, alter, distribute, display, disclose, reverse engineer, translate, disassemble, decompile, or create derived works from the software.

11.6

(Without prejudice to Opera’s rights or obligations under applicable law, the User acknowledges that Opera has the right to report suspicions of fraudulent activity or other misconduct to regulatory authorities and may disclose related information. Opera may, at its sole discretion, suspend account operations or refuse to comply with instructions, but Opera shall not be liable for any claims, losses, lawsuits, or costs related to such actions.

11.7

The User agrees to perform any acts, deeds, documents, and things as required by Opera in relation to the enforcement of this Agreement. If the User fails to perform any such required actions, the User irrevocably appoints Opera as their attorney to act on their behalf to execute such actions.

11.8

Opera may record phone conversations with the User, and such recordings shall be considered the final and conclusive evidence of the conversation and its contents.

11.9

The User guarantees and promises that all information provided by them to Opera, whether related to this Agreement or not, is accurate, complete, and up-to-date. The User agrees to notify Opera immediately of any changes to such information. Opera has the right to rely entirely on all such information for all legal uses and purposes unless Opera receives written notice to the contrary.

11.10

The user is responsible for properly securing and managing all or part of the personal identification number, password, and other codes necessary to access the services provided by Opera.

11.11

The user is responsible for determining, at their own discretion, what kind of taxes apply to any payment transactions made or received by the user. The user is responsible for collecting and reporting taxes and paying them to the appropriate tax authorities. Opera is not responsible for determining whether taxes are applied to the user's transactions, nor for collecting, reporting, or paying any taxes arising from those transactions.

11.12

The User represents, warrants, and agrees to the following to Opera:

If the user is a corporation, the user is formally incorporated or established in accordance with all applicable laws and regulations, has the corporate authority to enter into and execute this agreement, and has taken all corporate actions and other actions necessary for this agreement to be legally effective.
The user does not require the consent or authority of any individual to enter into this agreement (unless already obtained as intended in (a) for corporate customers).
The user's execution of this agreement or any related transactions will not violate any other agreements or conditions of the user.
The user has not taken any action for bankruptcy or liquidation, nor has the user initiated or threatened legal proceedings.
The user has not taken any actions, measures, or initiated or threatened any legal proceedings for bankruptcy or liquidation, nor has the user entered into any settlement or arrangement with creditors. The user has received all necessary professional advice on taxes or other liabilities, including legal, accounting, estate planning, or tax advice, and the user does not rely on Opera in any way for the services provided or the transactions based on the user's instructions or orders.

The user further acknowledges and agrees that for the purpose of compliance with applicable laws and regulations, including those aimed at preventing money laundering, terrorist financing, or other crimes, Opera may take actions (hereinafter referred to as 'compliance actions') that it deems appropriate at its sole discretion, or may refrain from taking such actions. These compliance actions may include, but are not limited to, the following:

Refusing to process a transaction, rejecting its processing or procedure, or refusing payment in relation to a transaction intended under this agreement, if any of the involved individuals or entities are considered to be subject to sanctions.
If Opera becomes aware that a payment made to or by the user violates compliance rules, Opera may immediately recover such payment from the user, regardless of any conflicting agreement with the user.
Intercepting and investigating payment messages and other information or communications sent by the user or on behalf of the user through Opera’s system.
Investigating whether names that could indicate a sanctioned individual are actually referring to such a person. Opera is not responsible for any loss (including direct, indirect, or consequential loss such as loss of profit or benefit) or damage suffered by the user or any involved party due to the compliance actions.
- Delays or failure by Opera to perform obligations or any duties related to processing payment messages, other communications, or requests from the user due to compliance actions.
- Or the exercise of Opera's rights or actions or omissions based on this section. In this section, 'applicable law' refers to the legal requirements of the location or jurisdiction in which Opera operates or to which such legal requirements apply to Opera. 'Compliance rules' refer to all regulations, sanction regimes, international guidance or procedures, and relevant rules from regulatory authorities or industry bodies that may apply to Opera.

The user further guarantees, represents, and acknowledges to Opera that all warranties are true, accurate, and not misleading, and that Opera has entered into this agreement relying on these warranties. These warranties are considered to be repeated on each day until the termination of this agreement.

The terms and applicable policies outlined in the 'Opera Website Terms' constitute the sole and entire agreement between the user and Opera in relation to the services provided. If any provision of this agreement is found to be invalid or unenforceable, that provision shall be removed or excised from this agreement, and the remaining provisions will continue in full force and effect.

11.13

The User may not transfer or assign any rights or obligations under this Agreement without Opera's prior written consent. Opera reserves the right to assign or transfer any rights or obligations under this Agreement at any time.

11.14

Translations of these Terms are provided for the User's convenience only and do not alter the conditions set forth in these Terms. In the event of a conflict between the English version of these Terms and any translated version, the English version shall prevail.

11.15

The failure of Opera to take action against any breach by the User or a third party does not waive Opera’s right to take action against subsequent or similar breaches.

11.16

If Opera makes a payment in relation to any claim, chargeback, or cancellation by the User against a payee, the User agrees that Opera will assume the rights of the User against the payee or third party and may, at its discretion, pursue such rights directly or on behalf of the User.

11.17

The User understands that there may be a risk of loss while using the Services. The User acknowledges and agrees to use the Services with full understanding of the following and without holding Opera responsible:

The legal tender and/or cryptocurrency deposited by the User in the Service will be used to exchange for different legal tender or cryptocurrency as per the User's instructions. Therefore, the amount deposited and the amount exchanged may differ due to fluctuations in exchange rates. The exchange rate is determined after Opera processes the payment request following the User's exchange instructions.

Due to time lag between when the User gives instructions for exchange and when the rate is converted on the Opera platform, there is a possibility that the User may incur losses due to fluctuations in exchange rates.

Opera’s services may not be available in all jurisdictions at all times due to differing laws, customs, and regulations adhered to by each country. The User is solely responsible for ensuring full compliance with all applicable laws and regulations related to the use of Opera’s services, regardless of the purpose of use.

11.18

In the event of war, terrorism, revolution, riot, detention of rulers, military unrest, insurrection, civil unrest, civil disobedience, or other similar national actions, strikes, lockouts, labor stoppages or restrictions, asset seizure or confiscation, government actions with similar effects, currency exchange regulations, restrictions on capital movements or transfers imposed by government, natural disasters, epidemics, pandemics, sabotage, failures of computer systems and/or communications equipment, or other similar events beyond Opera’s control (hereinafter referred to as 'Force Majeure Events'), Opera will be excused from its obligations under this Agreement. Opera may, at its sole discretion, either (a) delay performance until the effects of the Force Majeure Event have passed, or (b) provide or request cash settlement based on the actual market price of the goods related to the payment on the second business day before the occurrence of the Force Majeure Event, where delivery or payment is required. Opera will not be liable for any loss incurred by the User due to such Force Majeure Events, and the User agrees to bear the risks of such events independently.

11.19

Opera, at its sole discretion, may suspend or terminate the account and/or services without giving any reason. Upon termination or suspension of the account and/or services, all monetary obligations owed to Opera by the User shall immediately become due, and the User must promptly repay such amounts to Opera. The User agrees that the terms set forth herein may be amended by Opera at its discretion. Termination does not affect any actions taken by Opera, its agents, or third parties prior to the termination under this Agreement or any compensation or guarantees made by the User under this Agreement.

The User acknowledges that Opera has offered to explain the terms of this Agreement to the User, and the User affirms that they have either received such an explanation or fully understand the terms of this Agreement without requiring further explanation. The User acknowledges that they have been advised to consult their own independent legal and other professional advisors, and that they have had the opportunity to do so.